+Članak 5. Prihvatljivost depozita
---+Article 5 1.
---+Article 5 2.
---+Article 5 3.
---+Article 5 4.

Članak 5. Prihvatljivost depozita

Članak 5.

Prihvatljivost depozita

1.  Od bilo kakve isplate od strane SOD-ova isključuje se sljedeće:

(a) pridržavajući se članka 7. stavka 3. ove Direktive, depoziti ostalih kreditnih institucija u njihovo ime i za njihov račun;

(b) „regulatorni kapital” kako je definiran u članku 4. stavku 1. točki 118. Uredbe (EU) br. 575/2013;

(c) depoziti koji proizlaze iz transakcija u odnosu na koje su donesene kaznene presude za pranje novca kako je definirano u članku 1. stavku 2. Direktive Vijeća 2005/60/EZ;

(d) depoziti financijskih institucija kako je definirano u članku 4. stavku 1. točki 26. Uredbe (EU) br. 575/2013;

(e) depoziti investicijskih poduzeća kako je definirano u članku 4. stavku 1. točki 1. Direktive 2004/39/EZ;

(f) depoziti čiji imatelj nikad nije identificiran na temelju članka 9. stavka 1. Direktive 2005/60/EZ kada su postali nedostupni;

(g) depoziti osiguravajućih društava i društava za reosiguranja kako je navedeno u članku 13. stavcima 1. do 6. Direktive 2009/138/EZ Europskog parlamenta i Vijeća ( 15 );

(h) depoziti društava za zajednička ulaganja,

(i) depoziti mirovinskih fondova;

(j) depoziti tijela javne vlasti;

(k) dužnički vrijednosni papiri kreditnih institucija i obveze iz vlastitih akcepata i vlastitih mjenica.

2.  Odstupajući od stavka 1. ovog članka, države članice mogu osigurati da je sljedeće uključeno do razine pokrića kako je utvrđeno u članku 6. stavku 1.:

(a) depoziti koje drže osobni ili strukovni mirovinski sustavi malih ili srednjih poduzeća;

(b) depoziti koje drže tijela lokalne vlasti s godišnjim proračunom do najviše 500 000  EUR.

3.  Države članice mogu odrediti da su depoziti, koji u skladu s nacionalnim pravom mogu biti stavljeni na raspolaganje jedino radi otplate zajma za privatnu imovinu u obliku nekretnina koji je odobren bilo od strane kreditne institucije ili druge institucije koja drži depozit, isključeni iz isplate od strane SOD-a.

4.  Države članice osiguravaju da kreditne institucije označe prihvatljive depozite na način koji omogućava trenutnu identifikaciju takvih depozita.

1. Pregled

,
Article 5 1.

The following shall be excluded from any repayment by a DGS:

(a) 

subject to Article 7(3) of this Directive, deposits made by other credit institutions on their own behalf and for their own account;

(b) 

own funds as defined in point (118) of Article 4(1) of Regulation (EU) No 575/2013;

(c) 

deposits arising out of transactions in connection with which there has been a criminal conviction for money laundering as defined in Article 1(2) of Directive 2005/60/EC;

(d) 

deposits by financial institutions as defined in point (26) of Article 4(1) of Regulation (EU) No 575/2013;

(e) 

deposits by investment firms as defined in point (1) of Article 4(1) of Directive 2004/39/EC;

(f) 

deposits the holder of which has never been identified pursuant to Article 9(1) of Directive 2005/60/EC, when they have become unavailable;

(g) 

deposits by insurance undertakings and by reinsurance undertakings as referred to in Article 13(1) to (6) of Directive 2009/138/EC of the European Parliament and of the Council ( 15 );

(h) 

deposits by collective investment undertakings;

(i) 

deposits by pension and retirement funds;

(j) 

deposits by public authorities;

(k) 

debt securities issued by a credit institution and liabilities arising out of own acceptances and promissory notes.
Article 5 2.

By way of derogation from paragraph 1 of this Article, Member States may ensure that the following are included up to the coverage level laid down in Article 6(1):

(a) 

deposits held by personal pension schemes and occupational pension schemes of small or medium-sized enterprises;

(b) 

deposits held by local authorities with an annual budget of up to EUR 500 000 .
Article 5 3.
Member States may provide that deposits that may be released in accordance with national law only to pay off a loan on private immovable property whether made by the credit institution or another institution holding the deposit are excluded from repayment by a DGS.
Article 5 4.
Member States shall ensure that credit institutions mark eligible deposits in a way that allows an immediate identification of such deposits.

1.1 Reference

1.2 Utvrđeni zahtjevi

1.3 Povezani standardi

2. Utvrđeni zahtjevi

Zahtjevi

3. Povezani standardi

Standardi
  • Builddate: 02.07.2014 00:00:00 -Doknr: CELEX:32014L0049
  • EULAW -

    EN: Legal acts of the European Union from EUR-Lex, https://eur-lex.europa.eu/. © European Union. Re-use is authorised by Decision 2011/833/EU, provided the source is acknowledged; the consolidated texts are licensed under CC BY 4.0 (EUR-Lex legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the legislation published in the Official Journal of the European Union is deemed authentic.

    DE: Rechtsakte der Europäischen Union aus EUR-Lex, https://eur-lex.europa.eu/. © Europäische Union. Weiterverwendung nach Beschluss 2011/833/EU mit Quellenangabe gestattet; die konsolidierten Fassungen stehen unter CC BY 4.0 (Rechtlicher Hinweis von EUR-Lex). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Verbindlich sind allein die im Amtsblatt der Europäischen Union veröffentlichten Rechtsakte.