+Artikolu 5 Eliġibbiltà tad-depożiti
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Artikolu 5 Eliġibbiltà tad-depożiti

Artikolu 5

Eliġibbiltà tad-depożiti

1.  Dawn li ġejjin għandhom ikunu esklużi minn kwalunkwe ħlas lura minn SGD:

(a) soġġett għall-Artikolu 7(3) ta’ din id-Direttiva, depożiti magħmulin minn istituzzjonijiet ta’ kreditu oħrajn f’isimhom jew għan-nom tagħhom,

(b) fondi proprji kif definiti fil-punt 118 tal-Artikolu 4(1)tar-Regolament (UE) Nru 575/2013;

(c) depożiti li joriġinaw minn transazzjonijiet li b’konnessjoni magħhom kien hemm kundanna kriminali għal ħasil tal-flus kif definit f-Artikolu 1(2) tad-Direttiva 2005/60/KE;

(d) depożiti minn istituzzjoni ta’ kreditu kif definit fil-punt 26 tal-Artikolu 4(1) tar-Regolament (UE) Nru 575/2013;

(e) depożiti minn ditti tal-investiment kif definiti fil-punt (1) tal-Artikolu 4(1) tad-Direttiva 2004/39/KE;

(f) depożiti li d-detenturi tagħhom qatt ma ġie identifikat skont l-Artikolu 9(1) tad-Direttiva 2005/60/KE, meta ma baqgħux disponibbli;

(g) depożiti minn impriżi tal-assigurazzjoni u minn impriżi tar-riassigurazzjoni kif imsemmi fl-Artikolu 13(1) sa (6) tad-Direttiva 2009/138/KE tal-Parlament Ewropew u tal-Kunsill ( 15 );

(h) depożiti minn impriżi tal-investiment kollettiv;

(i) depożiti minn fondi tal-pensjonijiet u tal-irtirar;

(j) depożiti minn awtoritajiet pubbliċi;

(k) titoli ta’ dejn maħruġin minn istituzzjoni ta’ kreditu u obbligazzjonijiet li joriġinaw mill-aċċettazzjonijiet proprji u kambjali.

2.  B’deroga mill-paragrafu 1 ta’ dan l-Artikolu, l-Istati Membri jistgħu jiżguraw li dawn li ġejjin huma inklużi sal-livell ta’ kopertura stabbilit fl-Artikolu 6(1):

(a) depożiti miżmumin minn skemi ta’ pensjoni personali u skemi ta’ pensjoni okkupazzjonali ta’ intrapriżi żgħar jew ta’ daqs medju;

(b) depożiti miżmumin minn awtoritajiet lokali b’baġit annwali sa EUR 500 000 .

3.  L-Istati Membri jistgħu jipprovdu li depożiti li jistgħu jiġu rilaxxati skont il-liġi nazzjonali biss biex jitħallas self fuq proprjetà immobiljari kemm jekk magħmulin mill-istituzzjoni ta’ kreditu jew istituzzjoni oħra li tkun qed iżżomm id-depożitu jiġu esklużi mill-ħlas lura minn SDG.

4.  L-Istati Membri għandhom jiżguraw li l-istituzzjonijiet ta’ kreditu jimmarkaw id-depożiti eliġibbli b’mod li tali depożiti jkunu jistgħu jiġu identifikati immedjatament.

1. Ħarsa ġenerali

,
Article 5 1.

The following shall be excluded from any repayment by a DGS:

(a) 

subject to Article 7(3) of this Directive, deposits made by other credit institutions on their own behalf and for their own account;

(b) 

own funds as defined in point (118) of Article 4(1) of Regulation (EU) No 575/2013;

(c) 

deposits arising out of transactions in connection with which there has been a criminal conviction for money laundering as defined in Article 1(2) of Directive 2005/60/EC;

(d) 

deposits by financial institutions as defined in point (26) of Article 4(1) of Regulation (EU) No 575/2013;

(e) 

deposits by investment firms as defined in point (1) of Article 4(1) of Directive 2004/39/EC;

(f) 

deposits the holder of which has never been identified pursuant to Article 9(1) of Directive 2005/60/EC, when they have become unavailable;

(g) 

deposits by insurance undertakings and by reinsurance undertakings as referred to in Article 13(1) to (6) of Directive 2009/138/EC of the European Parliament and of the Council ( 15 );

(h) 

deposits by collective investment undertakings;

(i) 

deposits by pension and retirement funds;

(j) 

deposits by public authorities;

(k) 

debt securities issued by a credit institution and liabilities arising out of own acceptances and promissory notes.
Article 5 2.

By way of derogation from paragraph 1 of this Article, Member States may ensure that the following are included up to the coverage level laid down in Article 6(1):

(a) 

deposits held by personal pension schemes and occupational pension schemes of small or medium-sized enterprises;

(b) 

deposits held by local authorities with an annual budget of up to EUR 500 000 .
Article 5 3.
Member States may provide that deposits that may be released in accordance with national law only to pay off a loan on private immovable property whether made by the credit institution or another institution holding the deposit are excluded from repayment by a DGS.
Article 5 4.
Member States shall ensure that credit institutions mark eligible deposits in a way that allows an immediate identification of such deposits.

1.1 Referenzi

1.2 Rekwiżiti identifikati

1.3 Standards relatati

2. Rekwiżiti identifikati

Rekwiżiti

3. Standards relatati

Standards
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