+Artikolu 2 Definizzjonijiet
---+Article 2 1.
---+Article 2 2.
---+Article 2 3.

Artikolu 2 Definizzjonijiet

Artikolu 2

Definizzjonijiet

1.  Għall-finijiet ta’ din id-Direttiva, għandhom japplikaw id-definizzjonijiet li ġejjin:

(1) “skemi ta’ garanzija tad-depożiti” jew “ SGD” tfisser skemi msemmijin fil-punti (a), (b) jew (c) tal-Artikolu 1(2);

(2) “skemi ta’ protezzjoni istituzzjonali” jew “IPS” tfisser skemi ta’ protezzjoni istituzzjonali kif imsemmijin fl-Artikolu 113(7) tar-Regolament (UE) No 575/2013;

(3) “depożitu” tfisser bilanċ ta’ kreditu li jirriżulta minn fondi li jitħallew f’kont jew minn sitwazzjonijiet temporanji li joħorġu minn tranżazzjonijiet bankarji normali u li l-istituzzjoni ta’ kreditu għandha tħallas lura taħt il-kondizzjonijiet legali u kontrattwali applikabbli, inkluż depożitu ta’ żmien fiss u depożitu ta’ tfaddil, iżda eskluż bilanċ ta’ kreditu fejn:

(a) l-eżistenza tiegħu tista’ tintwera biss permezz ta’ strument finanzjarju kif definit fl-Artikolu 4(17) tad-Direttiva 2004/39/KE tal-Parlament Ewropew u tal-Kunsill ( 14 ), sakemm ma jkunx prodott ta’ tfaddil li huwa evidenti permezz ta’ ċertifikat ta’ depożitu mogħti lil persuna msemmija u li jeżisti fi Stat Membru Stat fit-2 ta’ Lulju 2014;

(b) il-kapital mhux ripagabbli at par;

(c) il-kapital tiegħu huwa ripagabbli biss at par taħt garanzija jew ftehim partikolari mogħti mill-istituzzjoni ta’ kreditu jew parti terza;

(4) “depożiti eliġibbli” tfisser depożiti li mhumiex esklużi mill-protezzjoni f’konformità mal-Artikolu 5;

(5) “depożiti koperti” tfisser il-parti ta’ depożiti eliġibbli li ma jeċċedux il-livell ta’ kopertura stabbilit fl-Artikolu 6;

(6) “depożitant” tfisser id-detentur jew, fil-każ ta’ kont (d) konġunt, kull wieħed u waħda mid-detenturi tad-depożitu;

(7) “kont konġunt” tfisser kont miftuħ fl-ismijiet ta’ żewġ persuni jew aktar jew li fuqu żewġ persuni jew aktar jkollhom drittijiet li huma eżerċitati permezz ta’ firma ta’ wieħed jew aktar minn dawk il-persuni;

(8) “depożitu mhux disponibbli” tfisser depożitu li huwa dovut u pagabbli imma li ma kienx tħallas minn istituzzjoni ta’ kreditu skont il-kondizzjonijiet legali u kuntrattwali applikabbli għalihom, fejn jew:

(a) l-awtoritajiet amministrattivi rilevanti jkunu ddeterminaw li fil-fehma tagħhom l-istituzzjoni ta’ kreditu kkonċernata tkun tidher li fiż-żmien kurrenti ma tkunx tista’, għal raġunijiet li huma direttament relatati maċ-ċirkostanzi finanzjarji tagħha, li tħallas lura d-depożitu u l-istituzzjoni ma jkollha l-ebda prospett attwali li jkun jista’ jsir dan; jew

(b) awtorità ġudizzjarja li tkun tat digriet għar-raġunijiet li huma direttament relatati maċ-ċirkostanzi finanzjarji tal-istituzzjoni ta’ kreditu li jkollha l-effett li tissospendi d-drittijiet tad-depożitanti li jagħmlu pretensjonijiet kontrih;

(9) “istituzzjoni ta’ kreditu” tfisser istituzzjoni ta’ kreditu kif definita fil-punt (1) tal-Artikolu 4(1) tar-Regolament (UE) Nru 575/2013;

(10) “fergħa” tfisser post tan-negozju fi Stat Membru li jifforma parti legalment dipendenti minn istituzzjoni ta’ kreditu u li jwettaq b’mod dirett it-tranżazzjonijiet kollha jew uħud minnhom inerenti fin-negozju tal-istituzzjonijiet ta’ kreditu;

(11) “livell ta’ mira” tfisser l-ammont tal-mezzi finanzjarji disponibbli li l-SGD hija meħtieġa tilħaq skont l-Artikolu 10(2), espress bħala perċentwali tad-depożiti koperti tal-membri tagħha;

(12) “mezzi finanzjarji disponibbli” tfisser kontanti, depożiti u assi b’riskju baxx li jistgħu jiġu likwidati f’perijodu li ma jeċċedix dak imsemmi fl-Artikolu 8(1) u l-impenji ta’ pagament sal-limitu stabbilit fl-Artikolu 10(3);

(13) “impenji ta ‘pagament” tfisser impenji ta’ pagament ta’ istituzzjoni ta’ kreditu lejn SGD li huma kompletament kollateralizzati sakemm il-kollateral:

(a) ikun jikkonsisti f’assi b’riskju baxx;

(b) ikun frank minn kwalunkwe drittijiet ta’ partijiet terzi u jkun għad-dispożizzjoni tal-SGD;

(14) “assi b’riskju baxx” tfisser assi li jaqgħu fl-ewwel jew it-tieni kategoriji msemmija fit-Tabella 1 tal-Artikolu 336 tar-Regolament (UE) No 575/2013 jew kwalunkwe ass li huwa meqjus li jkun similarment sikur u likwidu mill-awtoritajiet kompetenti jew l-awtorità maħtura;

(15) “Stat Membru domiċiljari” tfisser Stat Membru domiċiljari kif definit fil-punt (43) tal-Artikolu 4(1) tar-Regolament (UE) Nru 575/2013;

(16) “Stat Membru ospitanti” tfisser Stat Membru ospitanti kif definit fil-punt (44) tal-Artikolu 4(1) tar-Regolament (UE) Nru 575/2013;

(17) “awtorità kompetenti” tfisser l-awtorità kompetenti nazzjonali kif definita fil-punt (40) tal-Artikolu 4(1) tar-Regolament (UE) Nru 575/2013;

(18) “awtorità maħtura” tfisser korp li jamministra SGD skont din id-Direttiva, jew, fejn l-operazzjoni ta’ SGD tkun amministrata minn entità privata, awtorità pubblika maħtura mill-Istati Membri konċernat għas-superviżjoni ta’ dik l-iskema skont din id-Direttiva.

2.  Fejn din id-Direttiva tirriferi għar-Regolament (UE) Nru 1093/2010, korp li jamministra l-SGD jew fejn l-operazzjoni tal-SGD tiġi amministrata minn kumpanija privata, l-awtorità pubblika li tissorvelja dik l-iskema, għandha, għall-fini ta’ dak ir-Regolament, titqies bħala awtorità kompetenti kif definita fl-Artikolu 4(2) ta’ dak ir-Regolament.

3.  Ishma f’building societies fl-Irlanda jew fir-Renju Unit apparti minn dawk ta’ natura kapitali koperti fil-punt (b) tal-Artikolu 5(1) għandhom jiġu ttrattati bħala depożiti.

1. Ħarsa ġenerali

,
Article 2 1.

For the purposes of this Directive the following definitions apply:

(1) 

‘deposit guarantee schemes’ or ‘DGSs’ means schemes referred to in point (a), (b) or (c) of Article 1(2);

(2) 

‘institutional protection schemes’ or ‘IPS’ means institutional protection schemes as referred to in Article 113(7) of Regulation (EU) No 575/2013;

(3) 

‘deposit’ means a credit balance which results from funds left in an account or from temporary situations deriving from normal banking transactions and which a credit institution is required to repay under the legal and contractual conditions applicable, including a fixed-term deposit and a savings deposit, but excluding a credit balance where:

(a) 

its existence can only be proven by a financial instrument as defined in Article 4(17) of Directive 2004/39/EC of the European Parliament and of the Council ( 14 ), unless it is a savings product which is evidenced by a certificate of deposit made out to a named person and which exists in a Member State on 2 July 2014;

(b) 

its principal is not repayable at par;

(c) 

its principal is only repayable at par under a particular guarantee or agreement provided by the credit institution or a third party;

(4) 

‘eligible deposits’ means deposits that are not excluded from protection pursuant to Article 5;

(5) 

‘covered deposits’ means the part of eligible deposits that does not exceed the coverage level laid down in Article 6;

(6) 

‘depositor’ means the holder or, in the case of a joint account, each of the holders, of a deposit;

(7) 

‘joint account’ means an account opened in the name of two or more persons or over which two or more persons have rights that are exercised by means of the signature of one or more of those persons;

(8) 

‘unavailable deposit’ means a deposit that is due and payable but that has not been paid by a credit institution under the legal or contractual conditions applicable thereto, where either:

(a) 

the relevant administrative authorities have determined that in their view the credit institution concerned appears to be unable for the time being, for reasons which are directly related to its financial circumstances, to repay the deposit and the institution has no current prospect of being able to do so; or

(b) 

a judicial authority has made a ruling for reasons which are directly related to the credit institution’s financial circumstances and which has the effect of suspending the rights of depositors to make claims against it;

(9) 

‘credit institution’ means a credit institution as defined in point (1) of Article 4(1) of Regulation (EU) No 575/2013;

(10) 

‘branch’ means a place of business in a Member State which forms a legally dependent part of a credit institution and which carries out directly all or some of the transactions inherent in the business of credit institutions;

(11) 

‘target level’ means the amount of available financial means which the DGS is required to reach in accordance with Article 10(2), expressed as a percentage of covered deposits of its members;

(12) 

‘available financial means’ means cash, deposits and low-risk assets which can be liquidated within a period not exceeding that referred to in Article 8(1) and payment commitments up to the limit set out in Article 10(3);

(13) 

‘payment commitments’ means payment commitments of a credit institution towards a DGS which are fully collateralised providing that the collateral:

(a) 

consists of low risk assets;

(b) 

is unencumbered by any third-party rights and is at the disposal of the DGS;

(14) 

‘low-risk assets’ means items falling into the first or second category referred to in Table 1 of Article 336 of Regulation (EU) No 575/2013 or any assets which are considered to be similarly safe and liquid by the competent or designated authority;

(15) 

‘home Member State’ means a home Member State as defined in point (43) of Article 4(1) of Regulation (EU) No 575/2013;

(16) 

‘host Member State’ means a host Member State as defined in point (44) of Article 4(1) of Regulation (EU) No 575/2013;

(17) 

‘competent authority’ means a national competent authority as defined in point (40) of Article 4(1) of Regulation (EU) No 575/2013;

(18) 

‘designated authority’ means a body which administers a DGS pursuant to this Directive, or, where the operation of the DGS is administered by a private entity, a public authority designated by the Member State concerned for supervising that scheme pursuant to this Directive.
Article 2 2.
Where this Directive refers to Regulation (EU) No 1093/2010, a body which administers a DGS or, where the operation of the DGS is administered by a private entity, the public authority supervising that scheme, shall, for the purpose of that Regulation, be considered to be a competent authority as defined in Article 4(2) of that Regulation.
Article 2 3.
Shares in Irish or United Kingdom building societies apart from those of a capital nature covered in point (b) of Article 5(1) shall be treated as deposits.

1.1 Referenzi

1.2 Rekwiżiti identifikati

1.3 Standards relatati

2. Rekwiżiti identifikati

Rekwiżiti

3. Standards relatati

Standards
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