natgillin/translations-raw huggingface dataset:
To poročilo bi moralo zlasti zajemati možnost, da se na podlagi kritih vlog določi ciljna raven, ne da bi se zmanjšala zaščita vlagateljev.
This report should cover notably the possibility to determine the target level on the basis of covered deposits, without diminishing the protection of depositors.
Komisija s podporo Evropskega bančnega organa do 31. decembra 2015 predloži Evropskemu parlamentu in Svetu poročilo o napredku pri izvajanju te direktive.
The Commission, supported by EBA , shall submit to the European Parliament and to the Council by 31 December 2015 a report on the progress towards the implementation of this Directive.
To poročilo bi moralo zlasti zajemati :
This report should cover notably :
– ciljno raven na podlagi kritih vlog, z oceno ustreznosti zadržanega odstotka ali z oceno ustreznosti drugih regulativnih možnosti; ciljna raven v tem kontekstu odraža neplačilo vlog v zadnjih desetih letih v okviru zakonsko določene, pogodbene ali institucionalne jamstvene sheme iz člena 80(8) Direktive 2006/48/ES;
- the target level on the basis of covered deposits , with an assessment of the appropriateness of the percentage set or an assessment of other regulatory options; in this context the target level shall reflect the failure of deposits over the last ten years within a statutory, contractual or institutional protection scheme , as referred to in Article 80(8) of Directive 2006/48/EC;
– kumulativni učinek regulativnih obveznosti kreditnih institucij, kot so kapitalske zahteve;
- the cumulative effect of the regulatory obligations of credit institutions, such as capital requirements;
– povezavo med cilji zakonodaje o sistemih zajamčenih vlog in prihodnje zakonodaje o kriznem upravljanju;
- the interconnection between the legislation on Deposit Guarantee Schemes and the future legislation on crisis management purposes;
– vpliv na raznolikost bančnih modelov, ob upoštevanju potrebe, da se ta ohrani;
- the impact on the diversity of banking models, bearing in mind the need to safeguard it.
– ustreznost sedanje stopnje kritja za vlagatelje;
- the adequacy of the current coverage level for depositors;
Vse delo se opravi tako, da se ohrani zaščita vlagateljev.
All this work shall be carried out in such a way that protection of depositors is maintained .
Države članice sprejmejo zakone in druge predpise, potrebne za uskladitev s členi 1, 2(1)(a), (c), (d), (f), (h)–(m), 2(2), 3(1), 3(3), 3(5)–3(7), 4(1)(d)–(k), 5(2)–5(5), 6(4)–6(7), 7(1)–(3), 8(2)–(4), 9–11, 12, 13(1)–(2), 14(1)–(3), 14(5)–(7), 19 in prilogami I-III najpozneje do 31. decembra 2012.
Member States shall bring into force the laws, regulations and administrative provisions necessary to comply with Articles 1, 2(1)(a), (c), (d), (f), (h)-(m), 2(2), 3(1), 3(3), 3(5)-3(7), 4(1)(d)-(k), 5(2)-5(5), 6(4)-6(7), 7(1)-(3), 8(2)-(4), 9-11, 12, 13(1)-(2), 14(1)-(3), 14(5)-(7), 19 and Annex I-III by 31 December 2012 at the latest.
Takoj sporočijo Komisiji besedilo teh določb in korelacijsko tabelo med temi določbami in to direktivo.
They shall forthwith communicate to the Commission the text of those provisions and a correlation table between those provisions and this Directive.
Države članice sprejmejo zakone in druge predpise, potrebne za uskladitev s to direktivo, najpozneje do 31. decembra 2012.
Member States shall bring into force the laws, regulations and administrative provisions necessary to comply with this Directive by 31 December 2012 at the latest.
Z odstopanjem od prvega pododstavka države članice do 31. decembra 2020 sprejmejo zakone in druge predpise, potrebne za uskladitev s tretjim pododstavkom člena 9(1), člena 9(3) in člena 10.
By way of derogation from the first subparagraph, Member States shall bring into force the laws, regulations and administrative provisions necessary for them to comply with the third subparagraph of Article 9(1), Article 9(3) and Article 10 by 31 December 2020.
Člen 20 – odstavek 1 – pododstavek 3
Article 20 – paragraph 1 – subparagraph 3
Z odstopanjem od prvega pododstavka države članice do 31. decembra 2013 sprejmejo zakone in druge predpise, potrebne za uskladitev s členom 7(1) in 9(5).
By way of derogation from the first subparagraph, Member States shall bring into force the laws, regulations and administrative provisions necessary for them to comply with Article 7(1) and 9(5) by 31 December 2013.
Vendar se odstotek upravičenih vlog iz člena 9(5)(a) ne uporablja pred 1. januarjem 2014.
However, the percentage of eligible deposits referred to in Article 9(5)(a) shall not apply before 1 January 2014.
Priloga 1 – točka 1 – točka c – odstavek 2 – alinea 6
Annex 1 – point 1 – point c – paragraph 2 – indent 6
CB osnova za prispevke (tj. upravičene vloge)
CB the contribution base (i.e. the eligible deposits)
CB osnova za prispevke (tj. najkasneje do 1. januarja 2015 krite vloge oziroma dokler teh ni mogoče izračunati za vse institucije, ki so članice sistema zajamčenih vlog, upravičene vloge)
CB the contribution base (i.e. the covered deposits from 1 January 2015 at the latest or, where these cannot be calculated for all member bodies of the Deposit Guarantee Scheme, the eligible deposits)
Priloga II – del A – točka 1
Annex II – Part A – point 1
Določijo države članice na podlagi člena 11(4)
To be determined by Member States subject to Article 11(4)
Razred tveganja
Risk class
Kapitalska ustreznost
Capital adequacy
Postavke lastnih sredstev iz člena 57 (a)– (ca) Direktive 2006/48/ES in tveganju prilagojena sredstva iz člena 76 Direktive 2006/48/ES
Own funds items referred to in Article 57 (a) to (ca) of Directive 2006/48/EC and risk-weighted assets referred to under Article 76 of Directive 2006/48/EC
Lastna sredstva
Own funds
Tveganju prilagojena sredstva
Risk weighted assets
Kakovost sredstev
Asset quality
Neservisirana posojila
Non-performing loans
Tvegana posojila
Non performing loans
Bruto posojila
Gross loans
Tveganju prilagojen donos sredstev
Risk adjusted return on assets
Neto prihodek
Net income
Povprečje skupnih sredstev
Average total assets
Priloga II – del B – točka 1 – uvodni del
Annex II – part B – point 1 – introductory part
Države članice določijo dopolnilne kazalnike za izračun prispevkov na podlagi tveganj .
Member States shall determine supplementary indicators for calculating risk-based contributions.
V ta namen se lahko uporabijo nekateri ali vsi naslednji kazalniki:
Some or all of the following indicators may be used for this purpose :
Za izračun prispevkov na podlagi tveganj se lahko dodatno uporabijo nekateri ali vsi naslednji kazalniki:
Some or all of the following indicators may also be used to calculate risk-based contributions :
Priloga III – odstavek 1
Annex III – paragraph 1
Če kreditna institucija vloge, ki zapade v plačilo in je plačljiva, ni plačala iz razlogov, ki so neposredno povezani z njenim finančnim položajem, prejmejo vlagatelji izplačila iz sistema zajamčenih vlog.
If a deposit which is due and payable has not been paid by a credit institution for reasons which are directly related to its financial circumstances, depositors are repaid by a Deposit Guarantee Scheme.
[Navesti proizvod] [navesti ime kreditne institucije, ki vodi račun] je na splošno krit s strani pristojnega sistema zajamčenih vlog.
The [insert product] of the [insert name of the account-holding credit institution] is in general covered by the responsible Deposit Guarantee Scheme.
Če vaša kreditna institucija vaše vloge, ki zapade v plačilo in je plačljiva, ni plačala iz razlogov, ki so neposredno povezani z njenim finančnim položajem, kot vlagatelj prejmete izplačila iz sistema zajamčenih vlog.
If your deposit which is due and payable has not been paid by your credit institution for reasons which are directly related to its financial circumstances, you, as the depositor, are repaid by a Deposit Guarantee Scheme.
[Navesti proizvod] [navesti ime kreditne institucije, ki vodi račun] je krit s strani pristojnega sistema zajamčenih vlog v skladu z Direktivo 2011/ . ../EU Evropskega parlamenta in Sveta o sistemih zajamčenih vlog*.
The [insert product] of the [insert name of the account-holding credit institution] is covered by the responsible Deposit Guarantee Scheme in accordance with Directive 2011/.../EU of the European Parliament and of the Council on Deposit Guarantee Schemes* .
* vstaviti številko in referenco na objavo te direktive
* N umber and publication reference of this Directive .
Namen tega predloga spremembe je zagotoviti potrošniku razumljivejši jezik in poenostaviti strokovno izrazje, uporabljeno v Prilogi III (Informacijska predloga za vlagatelja).
This Amendment aims at providing more consumer-comprehensive language and simplifies the terminology used in the Annex III (Depositor Information Template).
Vsota, ki se krije z izplačilom, znaša največ 100 000 EUR na banko.
This repayment covers at maximum EUR 100 000 per bank.
To pomeni, da se za določitev stopnje kritja seštejejo vse vloge iste banke .
This means that all deposits at the same bank are aggregated in order to determine the coverage level.
Če ima na primer vlagatelj hranilni račun z 90 000 EUR in tekoči račun z 20 000 EUR, prejme samo 100 000 EUR.
If, for instance a depositor holds a savings account with EUR 90 000 and a current account with EUR 20 000 , he or she will only be repaid EUR 100 000.
Vsota, ki se krije z izplačilom, znaša največ 100 000 EUR na banko.
This repayment covers a maximum of EUR 100 000 per bank.
To pomeni, da se za določitev stopnje kritja seštejejo vse vaše vloge v isti banki .
This means that all your deposits at the same bank are added up in order to determine the coverage level.
Če imate na primer hranilni račun z 90 000 EUR in tekoči račun s 40 000 EUR, prejmete samo 100 000 EUR.
For example , i f you hold a deposit account with EUR 90 000 and a current account with EUR 40 000 , you will only be repaid EUR 100 000.
To pomeni, da se skupna vsota vlog pri eni ali več prej navedenih izpostav krije s 100 000 EUR.
This means that all deposits with one or more of these brand names are in total covered up to EUR 100 000.
To pomeni, da se skupna vsota vlog pri eni ali več prej navedenih izpostav krije vsakokrat s 100 000 EUR.
This means that all deposits with one or more of these brand names are each in total covered up to EUR 100 000.
Priloga III – odstavek 6
Annex III – paragraph 6
Vloge vseh malih vlagateljev in podjetij na splošno krijejo sistemi zajamčenih vlog.
In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes.
Izjeme za določene vloge so navedene na spletni strani pristojnega sistema zajamčenih vlog.
Exceptions for certain deposits are stated on the web site of the responsible Deposit Guarantee Scheme.
Vaša banka vas bo obenem na zaprosilo obvestila o tem, ali se določeni proizvodi krijejo ali ne.
Your bank will also inform you on request whether certain products are covered or not.
Če se vloge krijejo, banka to potrdi na izpisku računa.
If deposits are covered, the bank shall also confirm this on the statement of account.
Vloge vseh malih vlagateljev in podjetij [če velja za državo članico: in lokalnih organov, ki potrebujejo zaščito] na splošno krijejo sistemi zajamčenih vlog.
In general, all retail depositors and businesses [where applicable in the Member State : and vulnerable local authorities are covered by Deposit Guarantee Schemes.
Izjeme za določene vloge so navedene na spletni strani pristojnega sistema zajamčenih vlog [vstavi spletno mesto pristojnega sistema zajamčenih vlog] .
Exceptions for certain deposits are stated on the web site of the responsible Deposit Guarantee Scheme [ insert web site of the responsible DGS] .
Če se vloge krijejo, kreditna institucija to navede na vašem izpisku računa.
If deposits are covered, the credit institution shall also specify this on your statement of account.
Priloga III – odstavek 7
Annex III – paragraph 7
Pristojni sistem zajamčenih vlog [navesti ime in naslov, telefonsko številko, e-poštni naslov in spletno stran].
The responsible Deposit Guarantee Scheme is [insert name and address, telephone, e-mail and web site].
Vaše vloge (do 100 000 EUR) izplača v šestih tednih, od 31. decembra 2013 pa v enem tednu.
It will repay your deposits (up to EUR 100 000) within six weeks at the latest, from 31 December 2013 within one week.
Od leta 2017 dalje bodo vaše vloge (do 100 000 EUR) izplačane v petih delovnih dneh.]
From 2017, your deposits (up to EUR 100 000) will be repaid within five working days.]
Priloga III – odstavek 8
Annex III – paragraph 8
Če vam jih ne izplača v navedenih rokih, stopite s sistemom zajamčenih vlog v stik, saj lahko čas za vložitev zahtevkov za izplačilo po določenem časovnem roku poteče .
If you have not been repaid within these deadlines, you should take contact with the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit .
Več informacij je na voljo na naslovu [navesti spletno stran pristojnega sistema zajamčenih vlog].
Further information can be obtained under [insert web site of the responsible DGS].
Če vam jih ne izplača v navedenih rokih, stopite s sistemom zajamčenih vlog v stik, saj čas za vložitev zahtevkov za izplačilo poteče po [vstaviti zadevno obdobje, ki velja v državi članici ter natančno navedbo sklica na nacionalni pravni akt ter zlasti člen, ki določa te določbe] .
If you have not been repaid within the above deadlines, you should take contact with the Deposit Guarantee Scheme since the time to claim reimbursement is barred after a [insert relevant time period applicable in the Member State and the exact reference to the national legal act and the particular A rticle, which governs these provision].
Priloga III – odstavek 9
Annex III – paragraph 9
[Samo kjer pride v poštev]: Za vašo vlogo jamči institucionalna jamstvena shema, ki [je/ni] priznana kot sistem zajamčenih vlog .
[ Only where applicable :] Your deposit is guaranteed by an Institutional Guarantee Scheme [recognized/not recognized] as a Deposit Guarantee Scheme.
To pomeni, da se vse banke , ki so članice tega sistema, medsebojno podpirajo, da bi preprečile propad kake banke .
This means that all banks that are members of this scheme mutually support each other in order to avoid a bank failure .
Če kljub temu pride do propada banke , se vaše vloge izplačajo v višini do 100 000 EUR.
However, if a bank failure would nevertheless occur, your deposits will be repaid up to EUR 100 000.
[Samo kjer pride v poštev]: Vaša kreditna institucija je del institucionalne jamstvene sheme .
[ Only where applicable :] Your credit institution is part of an Institutional Guarantee Scheme .
To pomeni, da se vse institucije , ki so članice tega sistema, medsebojno podpirajo, da bi preprečile nesolventnost .
This means that all institutions that are members of this scheme mutually support each other in order to avoid insolvency .
Če kljub temu pride do nesolventnosti , se vaše vloge izplačajo v višini do 100 000 EUR v omenjenem okviru sistemov zajamčenih vlog, priznanih v nacionalni zakonodaji .
However, if insolvency would nevertheless occur, your deposits will be repaid up to EUR 100 000 within the above mentioned framework of deposit guarantee schemes recognised under national law .
Pristop poročevalca
The rapporteur’s approach
Pristop poročevalca
Initial situation
V obstoječih nacionalnih sistemih zajamčenih vlog v Evropski uniji vlagatelji v primeru propada kreditne institucije prejmejo izplačilo do stopnje kritja.
Existing national Deposit Guarantee Schemes in the EU reimburse depositors in the event of failure of a credit institution up to a certain ceiling (the ‘coverage level’).
Med finančno in gospodarsko krizo se je ta stopnja v okviru Direktive 2009/14/ES Evropskega parlamenta in Sveta z 20 000 EUR najprej zvišala na 50 000 in 1. januarja 2011 na 100 000 EUR na vlagatelja.
During the financial and economic crisis, the coverage level was increased pursuant to Directive 2009/14/EC of the European Parliament and of the Council, initially from EUR 20 000 to EUR 50 000 and as of 1 January 2011, finally, to EUR 100 000 per depositor.
Istočasno se je rok izplačila za odškodnine skrajšal na največ 30 delovnih dni.
At the same time, the time limit for paying depositors was reduced to a maximum of 30 working days.
Zvišana stopnja zaščite povečuje zaupanje vlagateljev in tako preprečuje, da bi zaradi strahu pred izgubo vloge denar istočasno dvignilo veliko vlagateljev (množični dvig bančnih vlog).
The increased level of protection improves depositors’ confidence and thus helps to prevent simultaneous withdrawals by many depositors (a run on the bank) prompted by a fear of losing their money.
Vendar pa samo višja stopnja kritja ni dovolj za verodostojno zaščito vlagateljev.
However, a higher coverage level alone is not sufficient to protect depositors credibly.
Da bi preprečili nevarnost množičnih dvigov bančnih vlog in možno destabilizacijo finančnih trgov, morajo imeti sistemi zajamčenih vlog na voljo potrebna finančna sredstva.
In order to counteract the danger of bank runs and prevent a possible destabilisation of financial markets, Deposit Guarantee Schemes must also be adequately financed.
V času finančne in gospodarske krize se je pokazalo, da so bili posamezni nacionalni sistemi zajamčenih vlog v Evropi nezadostno financirani, zaradi česar so morali država in nazadnje tudi davkoplačevalci nositi posledice propada kreditnih institucij.
During the financial and economic crisis, however, it has become apparent that individual national Deposit Guarantee Schemes in Europe were inadequately financed, so that the State and ultimately the tax-payer had to bear the consequences of the failure of a credit institution.
Da bi v izjemnih finančnih situacijah dosegli stabilizacijski učinek sistemov zajamčenih vlog, je v vsej EU treba vnaprej zagotoviti zadostno financiranje teh sistemov zajamčenih vlog.
In order for Deposit Guarantee Schemes to have a stabilising effect at times of financial stress, therefore, it is also necessary throughout the EU to finance Deposit Guarantee Schemes adequately in advance (ex ante).
Vlagatelji morajo biti bolje kot doslej obveščeni o načinu njihovega delovanja, v primeru izplačila pa morajo izplačilo hitro prejeti.
Depositors must be better informed than hitherto about how Deposit Guarantee Schemes operate and must be reimbursed rapidly if the occasion arises.
Povezovanje ukrepov v omenjeni direktivi služi krepitvi zaupanja vlagateljev in stabilnosti evropskega finančnega sistema ter prispeva k dokončanju notranjega trga.
Bringing the measures together in this directive will increase depositors’ confidence, promote the stability of the European financial system and help to build the internal market.
Evropska komisija poskuša v svojem predlogu spremembe direktive o sistemih zajamčenih vlog te cilje doseči z univerzalnim pristopom pri oblikovanju načina delovanja sistema zajamčenih vlog.
In its proposal to amend the deposit guarantee directive, the Commission seeks to attain these objectives by means of a ‘one-size fits all’ approach to Deposit Guarantee Schemes.
Pri tem v veliki meri ne upošteva heterogenosti bančnih trgov v državah članicah, ki je privedla do različnih načinov delovanja teh sistemov, kar se je v nacionalnem kontekstu deloma izkazalo kot upravičeno.
It largely disregards the heterogeneity of banking markets in the Member States, which has resulted in Deposit Guarantee Schemes operating in different ways, which in some cases have proven to be justified in the national context.
Poročevalec zato meni, da je treba rešiti zastavljeno nalogo za bistveno boljšo zaščito vlagateljev, kar je v skladu s predlogom Komisije, ter hkrati upoštevati tudi heterogenost bančnih trgov in pozitivni način delovanja dobrih praks.
In the rapporteur’s opinion, therefore, the task to be tackled here is that of achieving significantly better protection of depositors, which is the purpose of the Commission proposal, but at the same time taking into account the heterogeneity of banking markets and the positive functioning of tried and tested practices.
Poleg tega je treba preprečiti izkrivljanje konkurence med bankami in sistemi zajamčenih vlog ter upoštevati finančno stabilnost.
In addition, distortion of competition between banks and Deposit Guarantee Schemes must be avoided and account must be taken of financial stability.
Poročevalec zato predlaga diferenciran pristop, ki vključuje določitev skupnih zahtev za vse sisteme zajamčenih vlog ob zagotavljanju zadostne prožnosti pri konkretnem načinu delovanja in temelji na predlogu Komisije.
The rapporteur therefore proposes a differentiated approach, involving the setting of common requirements applicable to all Deposit Guarantee Schemes, while ensuring sufficient flexibility with regard to the specific way in which they operate, based on the Commission proposal.
(1) Skupne zahteve za obsežno zaščito vlagateljev in enako stabilnost sistemov zajamčenih vlog znotraj EU
(1) Common requirements for comprehensive protection of depositors and equal stability of Deposit Guarantee Schemes within the EU
Da bi preprečili izkrivljanje konkurence, v enaki meri zaščitili vlagatelje v vseh državah članicah in posegli v destabilizirajoče preusmeritve vlog, morajo vsi sistemi zajamčenih vlog v EU izpolnjevati skupne zahteve.
In order to avoid any distortion of competition, protect depositors equally in all Member States and prevent destabilising displacements of deposits, all Deposit Guarantee Schemes in the EU must comply with common requirements.
Ključne skupne zahteve so:
The essential common requirements include the following:
· vse kreditne institucije morajo biti vključene v sistem zajamčenih vlog;
· All credit institutions must belong to a Deposit Guarantee Scheme
· vlagatelji so upravičeni do povračila do višine 100 000 EUR;
· Depositors must be entitled to a reimbursement of up to EUR 100 000
· predhodno financiranje in enaka ciljna raven za vse sisteme;
· Ex ante financing and the same target cover for all schemes
· kratek rok izplačila vlog v primeru odškodnine;
· A short time limit for repayments to depositors where they are due
· enaki pogoji za uporabo finančnih sredstev v preventivne in podporne namene.
· The same conditions applicable to the use of funds for prevention and support purposes
Z določitvijo skupnih zahtev za sisteme zajamčenih vlog dosežemo v državah članicah enotno zaščito za vse vlagatelje in hkrati preprečimo izkrivljanje konkurence.
By laying down common requirements with which Deposit Guarantee Schemes must comply, uniform protection of all depositors in the Member States will be achieved while at the same time avoiding distortions of competition.
Pod temi pogoji ohranimo potreben prostor za prožnost in zadostimo posebnostim bančnih trgov v državah članicah.
Subject to these preconditions, the necessary scope for flexibility remains to do justice to the specific characteristics of banking markets in the Member States.
(2) Prožnost za preventivne in podporne ukrepe zagotavlja stabilnost
(2) Flexibility for prevention and support measures ensures stability
Ni dvoma, da mora imeti vsak sistem zajamčenih vlog na voljo zadostna finančna sredstva za primer odškodnine.
It is beyond question that any Deposit Guarantee Scheme must have adequate funding in reserve to cover the cost of reimbursements should the need arise.
Ne glede na to lahko finančno stabilnost in interese vlagateljev v isti meri zavarujemo s tem, da do propada kreditne institucije sploh ne pride.
Despite this, financial stability and the interests of depositors may be equally well protected by ensuring that credit institutions do not fail in the first place.
Z izboljšanimi možnostmi spremljanja in nadzora, pravočasnim posredovanjem in podpornimi ukrepi za sisteme zajamčenih vlog lahko pogosto zgodaj prepoznamo znake propada banke in ga preprečimo.
By improving the scope for monitoring and supervision, intervening at the right time and instituting measures in support of Deposit Guarantee Schemes, it will often be possible to foresee the impending insolvency of a bank at an early stage and to avert it.