+Članak 19. Prijelazne odredbe
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Članak 19. Prijelazne odredbe

Članak 19.

Prijelazne odredbe

1. Ako određeni depoziti ili kategorije depozita ili drugi instrumenti prestanu biti osigurani, djelomično ili u potpunosti, od strane SOD-a nakon prenošenja ove Direktive ili Direktive 2009/14/EZ u nacionalno pravo, države članice mogu dopustiti da depoziti i drugi instrumenti koji imaju početni datum dospijeća budu osigurani do njihova početnog datuma dospijeća ako su plaćeni ili izdani prije 2. srpnja 2014.

2. Države članice osiguravaju da su deponenti obaviješteni o depozitima ili kategorijama depozita ili drugim instrumentima koje SOD više neće osiguravati od 3. srpnja 2015.

3. Dok se prvi put ne postigne ciljna razina, države članice mogu primijeniti pragove iz članka 11. stavka 5. u odnosu na raspoloživa financijska sredstva.

4. Odstupajući od članka 6. stavka 1., države članice koje su, na dan 1. siječnja 2008., predvidjele razinu pokrića između 100 000 EUR i 300 000 EUR, mogu ponovno primijeniti tu višu razinu pokrića do 31. prosinca 2018. U tom se slučaju odgovarajuće prilagođavaju ciljna razina i doprinosi kreditnih institucija.

5. Do 3. srpnja 2019. Komisija podnosi izvješće Europskom parlamentu i Vijeću i, prema potrebi, zakonodavni prijedlog u kojem navodi na koji način SOD koji djeluje u Uniji može surađivati putem europskog sustava radi sprečavanja rizika koji proizlaze iz prekograničnih aktivnosti i zaštite depozita od takvih rizika.

6. Do 3. srpnja 2019. Komisija, u suradnji s EBA-om, dostavlja Europskom parlamentu i Vijeću izvješće o napretku u provedbi ove Direktive. U tom bi izvješću posebno trebalo razmotriti:

(a) ciljnu razinu na temelju osiguranih depozita, zajedno s procjenom prikladnosti određenog postotka, uzimajući u obzir propast kreditnih institucija u Uniji u prošlosti;

(b) utjecaj alternativnih mjera korištenih u skladu s člankom 11. stavkom 3. na zaštitu deponenata i dosljednost s redovnim postupkom likvidacije u bankarskom sektoru;

(d) prikladnost postojeće razine pokrića za deponente; i

(e) jesu li se pitanja iz ovog podstavka rješavala na način da se očuva zaštita deponenata.

Do 3. srpnja 2019. EBA obavješćuje Komisiju o modelima izračuna i njihovoj važnosti za poslovni rizik članova. Pri obavješćivanju EBA uzima u obzir profile rizika raznih poslovnih modela.

1. Pregled

Naslov	Regulativa
Article 19 1.	Where certain deposits or categories of deposits or other instruments cease to be covered wholly or partially by DGSs after the transposition of this Directive or Directive 2009/14/EC into national law, Member States may allow deposits and other instruments which have an initial maturity date to be covered until their initial maturity date if they were paid in or issued before 2 July 2014.
Article 19 2.	Member States shall ensure that depositors are informed about the deposits or categories of deposits or other instruments which will no longer be covered by a DGS from 3 July 2015.
Article 19 3.	Until the target level has been reached for the first time, Member States may apply the thresholds in Article 11(5) in relation to the available financial means.
Article 19 4.	By way of derogation from Article 6(1), Member States which, on 1 January 2008, provided for a coverage level of between EUR 100 000 and EUR 300 000 , may reapply that higher coverage level until 31 December 2018. In that case, the target level and the contributions of the credit institutions shall be adjusted accordingly.
Article 19 5.	By 3 July 2019, the Commission shall submit a report, and, if appropriate, a legislative proposal to the European Parliament and the Council setting out how DGSs operating in the Union may cooperate through a European scheme to prevent risks arising from cross-border activities and protect deposits from such risks.
Article 19 6.	By 3 July 2019, the Commission, supported by EBA, shall submit to the European Parliament and to the Council a report on the progress towards the implementation of this Directive. That report should, in particular, address: (a) the target level on the basis of covered deposits, with an assessment of the appropriateness of the percentage set, taking into account the failure of credit institutions in the Union in the past; (b) the impact of alternative measures used in accordance with Article 11(3) on the protection of the depositors and consistency with the orderly winding up proceedings in the banking sector; (c) the impact on the diversity of banking models; (d) the adequacy of the current coverage level for depositors; and (e) whether the matters referred to in this subparagraph have been dealt with in a manner that maintains the protection of depositors. By 3 July 2019, EBA shall report to the Commission on calculation models and their relevance to the commercial risk of the members. When reporting, EBA shall take due account of the risk profiles of the various business models.

1.1 Reference

1.2 Utvrđeni zahtjevi

1.3 Povezani standardi

2. Utvrđeni zahtjevi

Zahtjevi
Izvor	Zahtjev

3. Povezani standardi

Standardi
Izvor	Zahtjev

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