+Članak 15. Podružnice kreditnih institucija osnovane u trećim zemljama
---+Article 15 1.
---+Article 15 2.
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Članak 15. Podružnice kreditnih institucija osnovane u trećim zemljama

Članak 15.

Podružnice kreditnih institucija osnovane u trećim zemljama

1.  Države članice provjeravaju imaju li podružnice koje je na njihovom državnom području osnovala kreditna institucija sa sjedištem izvan Unije zaštitu istovrijednu onoj koja je propisana ovom Direktivom.

Ako zaštita nije istovrijedna, države članice mogu, pridržavajući se članka 47. stavka 1. Direktive 2013/36/EU, odrediti da podružnice koje je osnovala kreditna institucija sa sjedištem izvan Unije moraju pristupiti SOD-u koji djeluje unutar njihovih državnih područja.

Prilikom obavljanja provjere predviđene u prvom podstavku ovog stavka, države članice provjeravaju uživaju li deponenti barem jednaku razinu pokrića i opseg zaštite kako je predviđeno ovom Direktivom.

2.  Svaka podružnica koju je osnovala kreditna institucija sa sjedištem izvan Unije i koja nije član SOD-a aktivnog u državi članici pruža sve relevantne informacije u vezi s aranžmanima osiguranja za depozite postojećih i potencijalnih deponenata u toj podružnici.

3.  Informacije navedene u stavku 2. moraju biti dostupne na jeziku o kojem su se dogovorili deponent i kreditna institucija prilikom otvaranja računa ili na službenom jeziku ili jezicima države članice u kojoj je ta podružnica osnovana na način koji propisuje nacionalno pravo te moraju biti jasne i razumljive.

1. Pregled

,
Article 15 1.
Member States shall check that branches established in their territory by a credit institution which has its head office outside the Union have protection equivalent to that prescribed in this Directive.

If protection is not equivalent, Member States may, subject to Article 47(1) of Directive 2013/36/EU, stipulate that branches established by a credit institution which has its head office outside the Union must join a DGS in operation within their territories.

When performing the check provided for in the first subparagraph of this paragraph, Member states shall at least check that depositors benefit from the same coverage level and scope of protection as provided for in this Directive.
Article 15 2.
Each branch established by a credit institution which has its head office outside the Union and which is not a member of a DGS operating in a Member State shall provide all relevant information concerning the guarantee arrangements for the deposits of actual and intending depositors at that branch.
Article 15 3.
The information referred to in paragraph 2 shall be made available in the language that was agreed by the depositor and the credit institution when the account was opened or in the official language or languages of the Member State in which the branch is established in the manner prescribed by national law and shall be clear and comprehensible.

1.1 Reference

1.2 Utvrđeni zahtjevi

1.3 Povezani standardi

2. Utvrđeni zahtjevi

Zahtjevi

3. Povezani standardi

Standardi
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