+Definitions
---+17. Unless otherwise specified, the definitions provided in the legislative acts referred to in …
|
Definitions
Definitions
1. Forbhreathnú
| Teideal |
Rialáil |
|
17. Unless otherwise specified, the definitions provided in the legislative acts referred to in …
|
Unless otherwise specified, the definitions provided in the legislative acts referred to in this paragraph have the same meaning in these Guidelines. In addition, for the purposes of these Guidelines, the following definitions apply: | Consumer | A natural trade, | person, who is acting for purposes which are outside his business or profession. | | Institutions | a) b) c) d) e) | ‘Credit institutions’ as defined in Article 4(1) of Regulation (EU) No 575/201312 ; ‘Creditors’ as defined in Article 4(2) of Directive 2014/17/EU; ‘Credit intermediaries’ as defined in Article 4(5) of Directive 2014/17/EU; ‘Payment institutions’ as defined in Article 4(4) Directive (EU) 2015/2366; ‘Electronic money institutions’ as defined in Article 2(1) of Directive 2009/110/EC. | | Banking products and/or services | a) b) c) d) e) f) g) h) | ‘credit agreements’ as defined in Article 4(3) of Directive 2014/17/EU; ‘deposits’13 as defined in Article 2(3) of Directive 2014/49/EU14 ; ‘payment accounts’ as defined in Article 4(12) of Directive (EU) 2015/2366; ‘payment services’ as defined in Article 4(3) of Directive (EU) 2015/2366; ‘payment instruments' as defined in Article 4(14) of Directive (EU) 2015/2366; other means of payment, as referred to in Annex 1(5) Directive 2013/36/EU15 ; ‘electronic money’ as defined in Article 2(2) of Directive 2009/110/EC; and other forms of credit, in addition to that in point (a) above, as referred to in Annex 1(2) of Directive 2013/36/EU and in line with Article 1(5)(e) of Regulation (EU) No 1093/2010. | | Management body | An accordance institution's oversee the | institution's body or bodies16 , which are appointed in with national law, which are empowered to set the strategy, objectives and overall direction, and which and monitor management decision-making, and include persons who effectively direct the business of the institution. | | Relevant persons | Any a) b) | natural person who is: working for an institution and directly offering or providing banking products or services to consumers; or working for an institution and directly or indirectly managing a person referred to in point (a). | | Remuneration | All made or benefits health generous | forms of fixed and variable remuneration, including payments or benefits, monetary or non-monetary, awarded directly by on behalf of institutions to relevant persons. Non-monetary may include, but are not limited to, career progression, insurance, discounts or provision of car or mobile phone, expense accounts or seminars. |
12 Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p.1). 13 Deposits include all forms of deposits. The Markets for Financial Instruments Directive 2014/65/EU (MiFID2) has extended, in line with its Article 1(4), certain organisational and conduct of business rules to the subset of deposits called structured deposits, as defined in point (43) of Article 4(1) of MiFID2. MiFID2 remuneration rules, including future delegated acts setting further specifications in relation to Articles 16(3) and 24(10) of MiFID2, will apply to structured deposits and, therefore, these Guidelines will not apply to them. 14 Directive 2014/49/EU of the European Parliament and of the Council of 16 April 2014 on deposit guarantee schemes (OJ L 173, 12.6.2014, p.149). 15 Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p.338). 16 Different management body structures can be observed in European countries. In some countries a unitary structure is common, i.e. supervisory and management functions of the board are exercised by only one body. In other countries a dual structure is common, with two independent bodies being established, one for the management function and the other for the supervision of the management function.
|
,
1.1 Tagairtí
1.2 Ceanglais aitheanta
1.3 Caighdeáin ghaolmhara
2. Ceanglais aitheanta
Ceanglais
| Foinse |
Ceanglas |
3. Caighdeáin ghaolmhara
Caighdeáin
| Foinse |
Ceanglas |
- EBA - Published by the European Banking Authority at https://www.eba.europa.eu/
|