+Članak 11. Korištenje sredstava
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Članak 11. Korištenje sredstava

Članak 11.

Korištenje sredstava

1.  Financijska sredstva iz članka 10. prvenstveno se koriste kako bi se isplatili deponenti na temelju ove Direktive.

2.  Financijska sredstva SOD-a koriste se za financiranje sanacije kreditnih institucija u skladu s člankom 109. Direktive 2014/59/EU. Tijelo nadležno za sanaciju, nakon savjetovanja sa SOD-om, određuje iznos za koji SOD odgovara.

3.  Države članice SOD-u mogu dopustiti korištenje raspoloživih financijskih sredstava za alternativne mjere radi sprečavanja propasti kreditne institucije, pod uvjetom da su ispunjeni sljedeći uvjeti:

(a) tijelo nadležno za sanaciju nije poduzelo nikakvu sanacijsku mjeru na temelju članka 32. Direktive 2014/59/EU;

(b) SOD ima odgovarajuće sustave i postupke za odabir i provedbu alternativnih mjera te za praćenje povezanih rizika;

(c) troškovi mjera ne premašuju troškove ispunjavanje zakonskog ili ugovornog mandata SOD-a;

(d) korištenje alternativnih mjera od strane SOD-a povezano je s uvjetima nametnutim kreditnoj instituciji koju se podupire i uključuju barem strože praćenje rizika i veću provjeru prava za SOD;

(e) korištenje alternativnih mjera od strane SOD-a povezano je s obvezama kreditne institucije koju se podupire radi osiguravanja pristupa osiguranim depozitima;

(f) sposobnost povezanih kreditnih institucija da plate izvanredne doprinose u skladu sa stavkom 5. ovog članka potvrđuje se procjenom nadležnog tijela.

SOD se savjetuje s tijelom nadležnim za sanaciju i nadležnim tijelom o mjerama i uvjetima nametnutima kreditnoj instituciji.

4.  Alternativne mjere kako su navedene u stavku 3. ovog članka ne primjenjuju se ako nadležno tijelo nakon savjetovanja s tijelom nadležnim za sanaciju smatra da su ispunjeni uvjeti za sanacijsku mjeru u okviru članka 27. stavka 1. Direktive 2014/59/EU.

5.  Ako se raspoloživa financijska sredstva koriste u skladu sa stavkom 3. ovog članka, povezane kreditne institucije SOD-u odmah osiguravaju sredstva koja se koriste za alternativne mjere, prema potrebi u obliku izvanrednih doprinosa ako:

(a) se ukaže potreba za isplatom naknade deponentima i ako raspoloživa financijska sredstva SOD-a iznose manje od dvije trećine ciljne razine;

(b) raspoloživa financijska sredstva padnu ispod 25 % ciljne razine.

6.  Države članice mogu odlučiti da se raspoloživa financijska sredstva mogu koristiti i za financiranje mjera radi očuvanja pristupa osiguranim depozitima deponentima, uključujući prijenos imovine i obveza te prijenos depozita, u kontekstu nacionalnog stečajnog postupka, pod uvjetom da troškovi koje snosi SOD ne premašuju neto iznos naknade osiguranim deponentima u dotičnoj kreditnoj instituciji.

1. Pregled

,
Article 11 1.
The financial means referred to in Article 10 shall be primarily used in order to repay depositors pursuant to this Directive.
Article 11 2.
The financial means of a DGS shall be used in order to finance the resolution of credit institutions in accordance with Article 109 of Directive 2014/59/EU. The resolution authority shall determine, after consulting the DGS, the amount by which the DGS is liable.
Article 11 3.

Member States may allow a DGS to use the available financial means for alternative measures in order to prevent the failure of a credit institution provided that the following conditions are met:

(a) 

the resolution authority has not taken any resolution action under Article 32 of Directive 2014/59/EU;

(b) 

the DGS has appropriate systems and procedures in place for selecting and implementing alternative measures and monitoring affiliated risks;

(c) 

the costs of the measures do not exceed the costs of fulfilling the statutory or contractual mandate of the DGS;

(d) 

the use of alternative measures by the DGS is linked to conditions imposed on the credit institution that is being supported, involving at least more stringent risk monitoring and greater verification rights for the DGS;

(e) 

the use of alternative measures by the DGS is linked to commitments by the credit institution being supported with a view to securing access to covered deposits;

(f) 

the ability of the affiliated credit institutions to pay the extraordinary contributions in accordance with paragraph 5 of this Article is confirmed in the assessment of the competent authority.

The DGS shall consult the resolution authority and the competent authority on the measures and the conditions imposed on the credit institution.
Article 11 4.
Alternative measures as referred to in paragraph 3 of this Article shall not be applied where the competent authority, after consulting the resolution authority, considers the conditions for resolution action under Article 27(1) of Directive 2014/59/EU to be met.
Article 11 5.

If available financial means are used in accordance with paragraph 3 of this Article, the affiliated credit institutions shall immediately provide the DGS with the means used for alternative measures, where necessary in the form of extraordinary contributions, where:

(a) 

the need to reimburse depositors arises and the available financial means of the DGS amount to less than two-thirds of the target level;

(b) 

the available financial means fall below 25 % of the target level.
Article 11 6.
Member States may decide that the available financial means may also be used to finance measures to preserve the access of depositors to covered deposits, including transfer of assets and liabilities and deposit book transfer, in the context of national insolvency proceedings, provided that the costs borne by the DGS do not exceed the net amount of compensating covered depositors at the credit institution concerned.

1.1 Reference

1.2 Utvrđeni zahtjevi

1.3 Povezani standardi

2. Utvrđeni zahtjevi

Zahtjevi

3. Povezani standardi

Standardi
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