+Κατευθυντήριες γραμμές σχετικά με τις συμφωνίες συνεργασίας μεταξύ των συστημάτων εγγύησης των καταθέσεων που προβλέπονται στην οδηγία 2014/49/ΕΕ (EBA/GL/2016/02)
---+1. Συμμόρφωση και υποχρεώσεις υποβολής στοιχείων και αναφορών
------+Καθεστώς των κατευθυντήριων γραμμών
---------+1. Το παρόν έγγραφο περιέχει κατευθυντήριες γραμμές οι οποίες εκδίδονται βάσει του άρθρου 16 του …
---------+2. Οι κατευθυντήριες γραμμές παρουσιάζουν την άποψη της ΕΑΤ σχετικά με τις ενδεδειγμένες εποπτικές …
------+Απαιτήσεις υποβολής στοιχείων και αναφορών
---------+3. Σύμφωνα με το άρθρο 16 παράγραφος 3 του κανονισμού (ΕΕ) αριθ. 1093/2010, οι αρμόδιες αρχές …
---------+4. Οι γνωστοποιήσεις δημοσιεύονται στον δικτυακό τόπο της ΕΑΤ, σύμφωνα με το άρθρο 16 παράγραφος 3.
---+2. Αντικείμενο, πεδίο εφαρμογής και ορισμοί
------+Αντικείμενο
---------+5. Οι παρούσες κατευθυντήριες γραμμές προσδιορίζουν τους στόχους και το ελάχιστο περιεχόμενο των …
---------+6. Οι παρούσες κατευθυντήριες γραμμές έχουν ως στόχο τη διασφάλιση μιας κοινής και συνεπούς …
------+Πεδίο εφαρμογής
---------+7. Οι παρούσες κατευθυντήριες γραμμές εφαρμόζονται σε σχέση με τις συμφωνίες συνεργασίας τις οποίες …
---------+8. Όταν τα ΣΕΚ διοικούνται από ιδιωτικές οντότητες, οι ορισθείσες αρχές θα πρέπει να διασφαλίζουν …
---------+9. Οι παρούσες κατευθυντήριες γραμμές προσδιορίζουν τα ελάχιστα βασικά στοιχεία για καθέναν από …
------+Αποδέκτες
---------+10. Οι παρούσες κατευθυντήριες γραμμές απευθύνονται στις αρμόδιες αρχές, όπως ορίζονται στο άρθρο 4 …
------+Ορισμοί
---------+11. Εκτός αν προβλέπεται διαφορετικά, οι όροι που χρησιμοποιούνται και ορίζονται στην οδηγία …
---+3. Εφαρμογή
------+Ημερομηνία εφαρμογής
---------+12. Οι αρμόδιες αρχές θα πρέπει να εφαρμόσουν τις παρούσες κατευθυντήριες γραμμές έως τις …
---+4. Στόχοι και γενική προσέγγιση κατά τη σύναψη συμφωνιών συνεργασίας μεταξύ των συστημάτων εγγύησης των καταθέσεων
------+4.1 Στόχοι των συμφωνιών συνεργασίας
---------+13. Σύμφωνα με το άρθρο 14 παράγραφος 5 της οδηγίας 2014/49/ΕΕ, οι στόχοι των συμφωνιών συνεργασίας …
------+4.2 Γενική προσέγγιση που πρέπει να ακολουθείται κατά τη σύναψη συμφωνιών συνεργασίας
---------+14. Τα ΣΕΚ ή, κατά περίπτωση, οι ορισθείσες αρχές θα πρέπει να τηρούν την πολυμερή συμφωνία-πλαίσιο …
---------+15. Οι όροι και οι προϋποθέσεις της πολυμερούς συμφωνίας-πλαισίου συνεργασίας προβλέπονται στο …
---------+16. Τα ΣΕΚ ή, κατά περίπτωση, οι ορισθείσες αρχές θα πρέπει να συνάπτουν διμερείς ή πολυμερείς …
---+5. Ελάχιστα βασικά στοιχεία των συμφωνιών συνεργασίας
------+17. Δυνάμει του άρθρου 14 παράγραφος 5 της οδηγίας 2014/49/ΕΕ, οι συμφωνίες συνεργασίας θα πρέπει …
------+18. Για καθέναν από αυτούς τους τρεις προαναφερθέντες τομείς, η παρούσα ενότητα περιλαμβάνει έναν …
------+5.1 Όροι καταβολής αποζημιώσεων σε καταθέτες υποκαταστημάτων
---------+40. Supplementary bilateral or multilateral cooperation agreements should also specify the …
---------+41. Cooperation agreements should specify that the currency of the repayment shall be the currency …
---------+42. Where the law of the home DGS allows for a choice between several currencies and where that …
---------+43. Where there is a need for a currency exchange, the rate to be applied should be the spot rate …
---------+44. The necessary funding referred to in paragraphs 32–34 should be provided in the currency of …
---------+45. Cooperation agreements should specify that the host DGS will handle communication with …
---------+46. In addition, where the home DGS has the capability to effectively handle communication with …
---------+47. Cooperation agreements should specify that the language to be used by DGSs in communicating …
---------+48. The home and the host DGSs or, where relevant, the designated authorities, should use English …
---------+49. Communication channels established to communicate with the depositors, and between the home and …
---------+50. Cooperation agreements should specify the types of costs that the home DGS will reimburse the …
---------+51. Eligible costs incurred by the host DGS should meet the following criteria: a. be necessary for …
---------+52. Cooperation agreements may provide that: a. the home DGS shall provide a lump sum amount, based …
---------+53. Where the host DGS is reimbursed following the payout, reimbursement details, such as time to …
---------+54. To further reinforce trust in DGSs’ ability to perform their function in the case of a payout …
---------+55. Such an audit, subject to the DGSs’ or, where relevant, the designated authorities’ agreement …
---------+19. Οι συμφωνίες συνεργασίας μεταξύ των ΣΕΚ ή κατά περίπτωση, των ορισθεισών αρχών θα πρέπει να …
---------+20. Cooperation agreements should specify the content and the process of sending the notification …
---------+21. The home DGS should notify the host DGS, and the designated authority of the host Member State …
---------+22. The notification should be transmitted by the home DGS to the host DGS immediately upon …
---------+23. While Article 4(9) of Directive 2014/49/EU requires DGSs to ensure the confidentiality and the …
---------+24. Cooperation agreements should provide a deadline by which the home DGS should send all the …
---------+25. The home DGS should obtain the SCV in line with domestic deadlines for receiving this …
---------+26. In the event that the home DGS does not have all the information needed, depending on the …
---------+27. The DGSs should inform one another promptly of any updates to the data.
---------+28. The host DGS should strive to ensure that the repayable amount is available to depositors as …
---------+29. Following the initial payout, the host DGS should inform the home DGS in a documented manner of …
---------+30. Cooperation agreements should provide that, after receiving notification of unavailability of …
---------+31. The accounts and transfer method chosen should ensure utmost security of the funds and …
---------+32. Cooperation agreements should specify the deadline for providing the necessary funding.
---------+33. The home DGS should provide the host DGS with the necessary funds no later than the day on …
---------+34. Any funds advanced in excess to the host DGS should be refunded to the home DGS by no later …
---------+35. Where the home DGS’s deadline for making the payout amount repayable is longer than seven …
---------+36. The host DGS should, within one working day, notify the home DGS of a depositor request for a …
---------+37. When a depositor requests a payout of a cost of living amount, either directly to the home DGS …
---------+38. Where the full payout is imminent, or where a partial payout would significantly delay the full …
---------+39. Cooperation agreements should outline the process for repaying temporary high balances by the …
---------+56. Any costs arising from delays in the home DGS providing the host DGS with the instructions for …
---------+57. Where the delay is attributable to the host DGS’s actions, the host DGS should bear the costs …
---------+58. In accordance with Article 14(2) of the Directive 2014/49/EU, the host DGS shall not bear any …
---------+59. The home and the host DGS may bilaterally agree that, on a case-by-case basis and no earlier …
------+5.2 Όροι για τη μεταφορά των εισφορών των ΣΕΚ και την παροχή πληροφοριών μεταξύ των ΣΕΚ
---------+60. Cooperation agreements between DGSs, or where appropriate, the designated authorities, should …
---------+61. Article 14(6) in connection with Article 4(9) of Directive 2014/49/EU requires effective …
---------+62. While the abovementioned provision ensures a common minimum set of standards of confidentiality …
---------+63. The provision of accurate data is a key step in ensuring an effective transfer of information …
---------+64. The deadline should be set before the institution formally leaves the transferring DGS and …
---------+65. The information to be transmitted should include anything that the transferring DGS and the …
---------+66. The transferring DGS should not be required to obtain new information for the purpose of …
---------+67. The transferring DGS should be able to refuse to share information which, due to its sensitive …
---------+68. Any costs of raising the funds by the transferring DGS, where, for example, the transferring …
---------+69. The receiving DGS should provide the transferring DGS with the account details and any other …
---------+70. Cooperation agreements should acknowledge that the transferring DGS will provide funds in the …
---------+71. According to paragraph 13(d) of the EBA guidelines on payment commitments to deposit guarantee …
---------+72. Cooperation agreements should specify the deadline by which the transferring DGS, where …
---------+73. Where the transferring DGS decides to enforce the commitment and transfer the proceeds to the …
---------+74. Where the transferring DGS decides not to enforce the payment commitments, it should engage …
---------+75. A membership of a DGS is a necessary condition for a credit institution being allowed to take …
---------+76. Where the receiving DGS is willing to take the risk of accepting the new member credit …
---------+77. The DGSs should communicate in English when transmitting information from one DGS to the other …
---------+78. Cooperation agreements should specify that the receiving DGS is responsible for any costs …
---------+79. Cooperation agreements should include a clause specifying that where delays in the provision of …
------+5.3 Όροι για αμοιβαίο δανεισμό μεταξύ των ΣΕΚ
---------+80. The cooperation agreement should outline whether, in accordance with the law in their …
---------+81. Where the DGSs do not agree to lend to one another, either because their national law does not …
---------+82. Where the DGSs intend to lend to one another, the cooperation agreement should specify in how …
------+5.4 Αποτελεσματική επίλυση διαφορών
---------+83. Cooperation agreements should include a clause stating that any party may refer any dispute …
---+Annex 1 – Multilateral framework cooperation agreement between deposit guarantee schemes and designated authorities in the European Union
------+1. Κοινοποίηση της μη διαθεσιμότητας των καταθέσεων 20. Οι συμφωνίες συνεργασίας θα πρέπει να …
------+2. Ανταλλαγή πληροφοριών, συμπεριλαμβανομένων των οδηγιών για πληρωμή 23. Παρότι το άρθρο 4 …
------+1. ‘Home DGS’ means the DGS established in the Member State in which a Member Institution has been …
------+2. ‘Host Designated Authority’ means the designated authority of the Member State where the Host …
------+3. ‘Host DGS’ means the DGS established in the Member State in which territory a Member …
------+4. ‘Member Institution’ means a credit institution affiliated to a DGS.
------+5. ‘Deposit guarantee scheme (DGS)’ means a DGS introduced and officially recognised in a Member …
------+6. ‘Single customer view (SCV)’ means the file containing the individual depositor information …
------+1. This Agreement is agreed to by DGSs and, where appropriate, designated authorities, as defined …
------+2. The EBA shall not be considered a Party to this Agreement, and any provision thereof shall not …
------+3. The list of DGSs and designated authorities subscribing to this Agreement will be available on …
------+4. Additional DGSs and designated authorities may subscribe to this Agreement from time to time. …
------+1. Upon the Home DGS becoming aware that a relevant administrative authority has made a …
------+2. The notification shall also include: a. general information about the Member Institution in …
------+3. As soon as the notification is received, the Host DGS shall start preparing for a payout, ahead …
------+4. Promptly after receiving the notification of unavailability of deposits, the Host DGS shall …
------+5. Such accounts and the transfer method used shall ensure the utmost security of the funds from …
------+1. The Home DGS shall make every reasonable effort to provide the Host DGS with all necessary …
------+2. For these purposes, the Home DGS shall obtain the SCV in line with domestic deadlines for …
------+3. The Home DGS shall then process the SCV in order to provide the Host DGS with the relevant …
------+4. The instructions for payment shall be provided in the format and with the content specified …
------+5. Where the Home DGS does not have all information needed depending on the method of payout of the …
------+6. The Home and the Host DGS shall inform one another promptly of any updates to the data. Article …
------+1. The Host DGS shall strive to ensure that the repayable amount is available to depositors as soon …
------+2. Following the initial payout, the Host DGS shall communicate to the Home DGS in a documented …
------+3. The Host DGS shall regularly communicate to the Home DGS in a documented manner about progress …
------+1. The Home DGS shall provide the Host DGS with the necessary funding prior to the payout no later …
------+2. The funds shall be provided in the currency of repayment pursuant to paragraphs 1 and 2 of …
------+3. Any funds advanced in excess to the Host DGS shall be refunded by it to the Home DGS no later …
------+1. Where the Home DGS’s deadline for making the repayable amount available is longer than seven …
------+2. The Host DGS shall, within one working day, notify the Home DGS of a depositor request for a …
------+3. When a depositor requests a payout of a cost of living amount through a Host DGS, either …
------+4. Where the full payout is imminent, or where a partial payout would significantly delay the full …
------+1. The Host DGS shall assist the Home DGS with the handling of claims related to temporary high …
------+2. Claims related to temporary high balances may be submitted either to the Host or to the Home …
------+3. The Home DGS shall verify the claim. Upon request by the Home DGS, the Host DGS shall lend the …
------+4. Upon verifying the claim, the Home DGS shall send the necessary instructions for repayment of …
------+5. Upon receiving the instructions for payment and the funds, the Host DGS shall repay the …
------+6. For the purposes of this article, the Home DGS shall communicate to the Host DGS, at the time of …
------+1. The repayments shall be made by the Host DGS in the currency determined by the Home DGS’s …
------+2. Where the law of the Home DGS allows choosing between several currencies of repayment, and where …
------+3. Where there is a need for a currency exchange, the rate to be applied shall be the spot rate …
------+1. In accordance with Article 14(2) of Directive 2014/49/EU, the Host DGS shall handle …
------+2. Where the Home DGS has the capability to effectively handle communication with depositors at …
------+3. The language to be used in communicating with the depositors at the branch in the context of a …
------+4. The language to be used in all communication between the Home and the Host DGS shall be English …
------+5. The communication channels established to communicate with the depositors at branches, and …
------+1. In accordance with Article 14(2) of Directive 2014/49/EU, the Home DGS shall compensate the …
------+2. The types of costs referred to above shall include, but shall not be limited to, the costs …
------+3. Eligible costs incurred by the Host DGS shall meet the following criteria: a. be necessary for …
------+4. The Home and the Host DGSs shall bilaterally agree on whether: a. the Home DGS shall provide a …
------+5. Where the Host DGS is reimbursed following the payout, reimbursement details, such as time to …
------+1. Subject to subsequent bilateral agreement between the Home and the Host DGS or, where relevant …
------+2. Such an audit may take the form of, for example, oversight, post-payout review, audit of costs …
------+1. Any costs arising from delays in the Home DGS providing the Host DGS with the instructions for …
------+2. Where the delay is attributable to the Host DGS’s actions, the Host DGS shall bear the costs …
------+1. Within one month of becoming aware of the intention of a Member Institution to cease to be a …
------+2. Similarly, where a Member Institution communicates to the Receiving DGS its intention to become …
------+3. The exchange of information referred to in paragraphs 1 and 2 shall take place in any event …
------+4. The information to be communicated referred to in paragraphs 1 and 2 shall include any …
------+5. The Transferring DGS shall not be required to obtain new information for the purpose of …
------+6. The Transferring DGS shall have the right to refuse to share information which, due to its …
------+1. In accordance with Article 14(3) of Directive 2014/49/EU, the contributions paid during the 12 …
------+2. Where the Transferring DGS needs to collect additional funds, for example following a recent …
------+3. The Receiving DGS shall provide the Transferring DGS with the account details and any other …
------+4. The Transferring DGS shall transfer the funds in the currency in which the contributions had …
------+1. Where a member Institution ceases to be a member of the Transferring DGS and joins the Receiving …
------+2. Within seven working days of first becoming aware of the intention of the Member Institution to …
------+3. Where the Transferring DGS decides to enforce the payment commitments and transfer the proceeds …
------+4. Where the Transferring DGS decides not to enforce the payment commitments, the Transferring DGS …
------+1. The transfer of contributions (whether funds or payment commitments) from the Transferring DGS …
------+2. By way of exception to paragraph 1, where the Receiving DGS accepts to take the risk of …
------+1. Any costs associated with transferring the contributions from the Transferring DGS, and any …
------+2. Without prejudice to paragraph 1, any costs arising from delays in the provision of information …
------+1. Where the Lending and the Borrowing DGSs intend to lend to one another, the Borrowing DGS shall …
------+2. The Lending DGS shall communicate its decision to the Borrowing DGS as soon as possible and in …
------+3. Within five working days of the Member State of the Receiving DGS receiving the communication …
------+1. The provisions of this Agreement shall not preclude the Parties from entering into bilateral (or …
------+2. In the event of any contradiction or inconsistency between the terms of those supplemental terms …
------+1. This Agreement may be amended in accordance with the following procedure.
------+2. Any Party may propose an amendment to this Agreement.
------+3. Any Party proposing an amendment of this Agreement shall notify the EBA of its proposal.
------+4. The EBA will notify the other Parties to this Agreement of the amendments proposed by any Party …
------+5. An amendment shall enter into force 30 days after the date on which the EBA has received the …
------+6. This Agreement shall be subject to a joint examination by all the Parties to this Agreement …
------+1. This Agreement shall enter into force on the [seven months from publication of the translation …
------+2. Any Party may at any time withdraw from this Agreement by sending written notification thereof …
English - European Union - Financial Industry -

Κατευθυντήριες γραμμές σχετικά με τις συμφωνίες συνεργασίας μεταξύ των συστημάτων εγγύησης των καταθέσεων που προβλέπονται στην οδηγία 2014/49/ΕΕ (EBA/GL/2016/02)

Κατευθυντήριες γραμμές σχετικά με τις συμφωνίες συνεργασίας μεταξύ των συστημάτων εγγύησης των καταθέσεων που προβλέπονται στην οδηγία 2014/49/ΕΕ (EBA/GL/2016/02)

https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/depositor-protection/guidelines-cooperation-agreements-between-deposit-guarantee-schemes – PDF

1. Επισκόπηση

,
Τίτλος Κανονισμός
1. Συμμόρφωση και υποχρεώσεις υποβολής στοιχείων και αναφορών

1. Συμμόρφωση και υποχρεώσεις υποβολής στοιχείων και αναφορών

2. Αντικείμενο, πεδίο εφαρμογής και ορισμοί

2. Αντικείμενο, πεδίο εφαρμογής και ορισμοί

3. Εφαρμογή

3. Εφαρμογή

4. Στόχοι και γενική προσέγγιση κατά τη σύναψη συμφωνιών συνεργασίας μεταξύ των συστημάτων εγγύησης των καταθέσεων

4. Στόχοι και γενική προσέγγιση κατά τη σύναψη συμφωνιών συνεργασίας μεταξύ των συστημάτων εγγύησης των καταθέσεων

5. Ελάχιστα βασικά στοιχεία των συμφωνιών συνεργασίας

5. Ελάχιστα βασικά στοιχεία των συμφωνιών συνεργασίας

Annex 1 – Multilateral framework cooperation agreement between deposit guarantee schemes and designated authorities in the European Union

MULTILATERAL FRAMEWORK COOPERATION AGREEMENT BETWEEN DEPOSIT GUARANTEE SCHEMES AND DESIGNATED AUTHORITIES IN THE EUROPEAN UNION The subscribing deposit guarantee schemes (DGSs) and, where appropriate, designated authorities of the Member States of the European Union, Recognising the responsibility of DGSs to protect depositors, and their additional role in contributing to market confidence and financial stability, Recognising the importance of cooperation between DGSs within the European Union, in particular, when deposit-taking business is carried out on a cross-border basis, Having regard to the first subparagraph of Article 14(5) of Directive 2014/49/EU of the European Parliament and of the Council of 16 April 2014 on deposit guarantee schemes (Directive 2014/49/EU), which establishes that ‘In order to facilitate an effective cooperation between DGSs, with particular regard to this Article and to Article 12, the DGSs or, where appropriate, the designated authorities, shall have written cooperation agreements in place. Such agreements shall take into account the requirements laid down in Article 4(9)’, Having regard to the second subparagraph of Article 14(5) of Directive 2014/49/EU, which establishes that ‘The designated authority shall notify EBA of the existence and the content of such agreements and EBA may issue opinions in accordance with Article 34 of Regulation (EU) No 1093/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Banking Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/78/EC (Regulation (EU) 1093/2010). If designated authorities or DGSs cannot reach an agreement or if there is a dispute about the interpretation of an agreement, either party may refer the matter to EBA in accordance with Article 19 of Regulation (EU) 1093/2010 and EBA shall act in accordance with that Article’, Conscious of the need to ensure a consistent application of Directive 2014/49/EU throughout the European Union and avoid the conclusion of a high number of overly complex bilateral agreements between deposit guarantee schemes,

Have agreed as follows

PART I GENERAL PROVISIONS

Article 1 Objective of this Multilateral Framework Cooperation Agreement

1.1 Παραπομπές

1.2 Εντοπισμένες απαιτήσεις

1.3 Σχετικά πρότυπα

2. Εντοπισμένες απαιτήσεις

Απαιτήσεις
Πηγή Απαίτηση

3. Σχετικά πρότυπα

Πρότυπα
Πηγή Απαίτηση

Συνδεδεμένα ζητήματα

  • EBA - Published by the European Banking Authority at https://www.eba.europa.eu/