+Članak 13. Izračun doprinosa SOD-ovima
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Članak 13. Izračun doprinosa SOD-ovima

Članak 13.

Izračun doprinosa SOD-ovima

1.  Doprinosi SOD-ovima iz članka 10. temelje se na iznosu osiguranih depozita i stupnju rizika koji snosi odgovarajući član.

Države članice mogu predvidjeti niže doprinose za niskorizične sektore koji su uređeni nacionalnim pravom.

Države članice mogu odlučiti da članovi ISZ-a uplaćuju niže doprinose u SOD-ove.

Države članice mogu središnjem tijelu i svim kreditnim institucijama trajno povezanima sa središnjim tijelom kako je navedeno u članku 10. stavku 1. Uredbe (EU) br. 575/2013 dopustiti da kao jedna cjelina podliježu primjeni ponderiranja rizika određenog za središnje tijelo i za institucije povezane s njim na konsolidiranoj osnovi.

Države članice mogu odlučiti da kreditne institucije plaćaju minimalni doprinos, bez obzira na iznos njihovih osiguranih depozita.

2.  SOD-ovi mogu upotrebljavati svoje vlastite metode utemeljene na riziku za određivanje i izračun doprinosa članova koji se temelje na riziku. Izračun doprinosa razmjeran je riziku članova i uzima u obzir profile rizika raznih poslovnih modela. Te metode mogu uzeti u obzir i aktivu bilance te pokazatelje rizika, poput adekvatnosti kapitala, kvalitete i likvidnosti imovine.

Svaku metodu odobrava nadležno tijelo u suradnji s imenovanim tijelom. EBA-i se priopćavaju odobrene metode.

3.  Radi osiguravanja dosljedne primjene ove Direktive, EBA do 3. srpnja 2015. izdaje smjernice na temelju članka 16. Uredbe (EU) br. 1093/2010 kojima se pobliže određuju metode za izračun doprinosa SOD-ovima u skladu sa stavcima 1. i 2. ovog članka.

To posebno obuhvaća formulu za izračun, posebne pokazatelje, kategorije rizika za članove, pragove za pondere rizika dodijeljene pojedinim kategorijama rizika te druge potrebne elemente.

Do 3. srpnja 2017. i barem svakih pet godina nakon toga EBA provodi preispitivanje smjernica o metodama utemeljenima na riziku ili alternativnim metodama utemeljenima na vlastitom riziku koje primjenjuju SOD-ovi.

1. Pregled

,
Article 13 1.
The contributions to DGSs referred to in Article 10 shall be based on the amount of covered deposits and the degree of risk incurred by the respective member.

Member States may provide for lower contributions for low-risk sectors which are regulated under national law.

Member States may decide that members of an IPS pay lower contributions to the DGS.

Member States may allow the central body and all credit institutions permanently affiliated to the central body as referred to in Article 10(1) of Regulation (EU) No 575/2013 to be subject as a whole to the risk weight determined for the central body and its affiliated institutions on a consolidated basis.

Member States may decide that credit institutions pay a minimum contribution, irrespective of the amount of their covered deposits.
Article 13 2.
DGSs may use their own risk-based methods for determining and calculating the risk-based contributions by their members. The calculation of contributions shall be proportional to the risk of the members and shall take due account of the risk profiles of the various business models. Those methods may also take into account the asset side of the balance sheet and risk indicators, such as capital adequacy, asset quality and liquidity.

Each method shall be approved by the competent authority in cooperation with the designated authority. EBA shall be informed about the methods approved.
Article 13 3.
In order to ensure consistent application of this Directive, EBA shall, by 3 July 2015, issue guidelines pursuant to Article 16 of Regulation (EU) No 1093/2010 to specify methods for calculating the contributions to DGSs in accordance with paragraphs 1 and 2 of this Article.

In particular, it shall include a calculation formula, specific indicators, risk classes for members, thresholds for risk weights assigned to specific risk classes, and other necessary elements.

By 3 July 2017 and at least every five years thereafter, EBA shall conduct a review of the guidelines on risk-based or alternative own-risk-based methods applied by DGSs.

1.1 Reference

1.2 Utvrđeni zahtjevi

1.3 Povezani standardi

2. Utvrđeni zahtjevi

Zahtjevi

3. Povezani standardi

Standardi
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