+Članak 12. Pozajmljivanje među SOD-ovima
---+Article 12 1.
---+Article 12 2.
---+Article 12 3.

Članak 12. Pozajmljivanje među SOD-ovima

Članak 12.

Pozajmljivanje među SOD-ovima

1.  Države članice mogu SOD-ovima dopustiti pozajmljivanje drugim SOD-ovima unutar Unije na dobrovoljnoj osnovi, pod uvjetom da su ispunjeni sljedeći uvjeti:

(a) SOD koji prima zajam ne može ispunjavati svoje obveze prema članku 9. stavku 1. zbog nedostatka raspoloživih financijskih sredstava iz članka 10.;

(b) SOD koji prima zajam koristi se izvanrednim doprinosima iz članka 10. stavka 8.;

(c) SOD koji prima zajam preuzima pravnu obvezu da će se pozajmljena sredstva koristiti za isplatu potraživanja prema članku 9. stavku 1.;

(d) SOD koji prima zajam trenutačno ne podliježe obvezi otplate zajma drugim SOD-ovima prema ovom članku;

(e) SOD koji prima zajam navodi traženi iznos novca;

(f) ukupni pozajmljeni iznos ne premašuje 0,5 % osiguranih depozita SOD-a koji prima zajam;

(g) SOD koji prima zajam bez odlaganja obavješćuje EBA-u i navodi razloge zbog kojih smatra da su uvjeti navedeni u ovom stavku ispunjeni te traženi iznos novca.

2.  Za zajam vrijede sljedeći uvjeti:

(a) SOD koji prima mora otplatiti zajam u roku od pet godina. On može otplatiti zajam u godišnjim obrocima. Kamate dospijevaju tek u vrijeme otplate;

(b) kamatna stopa mora biti određena barem u visini kamatne stope Europske središnje banke za mogućnost granične posudbe tijekom kreditnog razdoblja;

(c) SOD koji daje zajam mora obavijestiti EBA-u o početnoj kamatnoj stopi i o trajanju zajma.

3.  Države članice osiguravaju da su doprinosi koje naplaćuje SOD koji prima zajam dovoljni za nadoknadu pozajmljenog iznosa i za ponovno uspostavljanje ciljne razine, što je prije moguće.

1. Pregled

,
Article 12 1.

Members States may allow DGSs to lend to other DGSs within the Union on a voluntary basis, provided that the following conditions are met:

(a) 

the borrowing DGS is not able to fulfil its obligations under Article 9(1) because of a lack of available financial means as referred to in Article 10;

(b) 

the borrowing DGS has made recourse to extraordinary contributions referred in Article 10(8);

(c) 

the borrowing DGS undertakes the legal commitment that the borrowed funds will be used in order to pay claims under Article 9(1);

(d) 

the borrowing DGS is not currently subject to an obligation to repay a loan to other DGSs under this Article;

(e) 

the borrowing DGS states the amount of money requested;

(f) 

the total amount lent does not exceed 0,5 % of covered deposits of the borrowing DGS;

(g) 

the borrowing DGS informs EBA without delay and states the reasons why the conditions set out in this paragraph are fulfilled and the amount of money requested.
Article 12 2.

The loan shall be subject to the following conditions:

(a) 

the borrowing DGS must repay the loan within five years. It may repay the loan in annual instalments. Interest shall be due only at the time of repayment;

(b) 

the interest rate set must be at least equivalent to the marginal lending facility rate of the European Central Bank during the credit period;

(c) 

the lending DGS must inform EBA of the initial interest rate and the duration of the loan.
Article 12 3.
Member States shall ensure that the contributions levied by the borrowing DGS are sufficient to reimburse the amount borrowed and to re-establish the target level as soon as possible.

1.1 Reference

1.2 Utvrđeni zahtjevi

1.3 Povezani standardi

2. Utvrđeni zahtjevi

Zahtjevi

3. Povezani standardi

Standardi
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