+Člen 6 Raven kritja
---+Article 6 1.
---+Article 6 2.
---+Article 6 3.
---+Article 6 4.
---+Article 6 5.
---+Article 6 6.
---+Article 6 7.

Člen 6 Raven kritja

Člen 6

Raven kritja

1.  Države članice zagotovijo, da je v primeru nerazpoložljivosti vlog raven kritja celotnih vlog istega vlagatelja 100 000  EUR.

2.  Poleg odstavka 1 države članice zagotovijo, da so za najmanj tri mesece in največ 12 mesecev po dobropisu zneska ali po tem, ko postanejo takšne vloge zakonito prenosljive, naslednje vloge krite nad 100 000  EUR:

(a) vloge, ki izhajajo iz nepremičninskih transakcij v zvezi z zasebnimi stanovanjskimi nepremičninami;

(b) vloge, ki so namenjene socialnim vidikom, določenim v nacionalnem pravu, in so povezane s posebnimi dogodki v življenju vlagatelja, kot so poroka, razveza, upokojitev, odpoved, odpuščanje, invalidnost ali smrt;

(c) vloge, namenjene vidikom, določenim v nacionalnem pravu, ki izhajajo iz nekaterih oblik zavarovalnine ali nadomestila za poškodbe pri kaznivih dejanjih ali krivičnih obsodbah.

3.  Odstavka 1 in 2 državam članicam ne preprečujeta ohranitve ali uvedbe sistemov, ki ščitijo proizvode v zvezi s starostjo in pokojnine, če ti sistemi poleg zaščite vlog ponujajo tudi razumljivo zaščito za vse produkte in situacije, ki pridejo v poštev v zvezi z njimi.

4.  Države članice zagotovijo, da se izplačila izvršijo na enega od naslednjih načinov:

(a) v valuti države članice, v kateri je lociran sistem jamstva za vloge;

(b) v valuti države članice, v kateri ima imetnik računa običajno prebivališče;

(c) v eurih;

(d) v valuti računa;

(e) v valuti države članice, v kateri je lociran račun.

Vlagatelji so obveščeni o valuti izplačila.

Če je bil račun voden v drugi valuti, kot je valuta izplačila, se uporabi menjalni tečaj na datum, ko pristojni upravni organ sprejme ugotovitev iz točke (8)(a) člena 2(1) ali ko sodni organ sprejme odločitev iz točke (8)(b) člena 2(1).

5.  Države članice, ki znesek iz odstavka 1 preračunavajo v svoje nacionalne valute, na začetku pri preračunavanju uporabijo menjalni tečaj, veljaven na 3. julija 2015.

Države članice lahko zneske po valutni pretvorbi zaokrožijo, pri čemer pa tako zaokrožanje ne sme preseči 5 000  EUR.

Države članice brez poseganja v drugi pododstavek vsakih pet let ravni kritja, pretvorjene v drugo valuto, prilagodijo znesku iz odstavka 1 tega člena. Države članice zaradi nepredvidenih dogodkov, kot je nihanje tečajev, po posvetovanju s Komisijo ravni kritja prilagodijo že prej.

6.  Komisija redno in najmanj vsakih pet let preverja znesek iz odstavka 1. Po potrebi predloži Evropskemu parlamentu in Svetu predlog direktive za prilagoditev zneska iz odstavka 1, ob upoštevanju predvsem razvoja bančnega sektorja ter gospodarskega in denarnega položaja Unije. Prvo preverjanje se ne opravi prej kot 3. julija 2020, razen če je zaradi nepredvidenih dogodkov potreben zgodnejši pregled.

7.  Na Komisijo se prenese pooblastilo, da v skladu s členom 18 sprejme delegirane akte za prilagajanje zneska iz odstavka 6 vsaj vsakih pet let, v skladu z inflacijo v Uniji na podlagi sprememb v harmoniziranem indeksu cen življenjskih potrebščin, ki ga objavi Komisija po prejšnji prilagoditvi.

1. Pregled

,
Article 6 1.
Member States shall ensure that the coverage level for the aggregate deposits of each depositor is EUR 100 000 in the event of deposits being unavailable.
Article 6 2.

In addition to paragraph 1, Member States shall ensure that the following deposits are protected above EUR 100 000 for at least three months and no longer than 12 months after the amount has been credited or from the moment when such deposits become legally transferable:

(a) 

deposits resulting from real estate transactions relating to private residential properties;

(b) 

deposits that serve social purposes laid down in national law and are linked to particular life events of a depositor such as marriage, divorce, retirement, dismissal, redundancy, invalidity or death;

(c) 

deposits that serve purposes laid down in national law and are based on the payment of insurance benefits or compensation for criminal injuries or wrongful conviction.
Article 6 3.
Paragraphs 1 and 2 shall not prevent Member States from maintaining or introducing schemes protecting old-age provision products and pensions, provided that such schemes do not only cover deposits but offer comprehensive coverage for all products and situations relevant in this regard.
Article 6 4.

Member States shall ensure that repayments are made in any of the following:

(a) 

the currency of the Member State where the DGS is located;

(b) 

the currency of the Member State where the account holder is resident;

(c) 

euro;

(d) 

the currency of the account;

(e) 

the currency of the Member State where the account is located.

Depositors shall be informed of the currency of repayment.

If accounts were maintained in a currency different from that of the payout, the exchange rate used shall be that of the date on which the relevant administrative authority makes a determination as referred to in point (8)(a) of Article 2(1) or when a judicial authority makes a ruling as referred to in point (8)(b) of Article 2(1).
Article 6 5.
Member States that convert into their national currency the amount referred to in paragraph 1 shall initially use in the conversion the exchange rate prevailing on 3 July 2015.

Member States may round off the amounts resulting from the conversion, provided that such rounding off does not exceed EUR 5 000 .

Without prejudice to the second subparagraph, Member States shall adjust the coverage levels converted into another currency to the amount referred to in paragraph 1 of this Article every five years. Member States shall make an earlier adjustment of coverage levels, after consulting the Commission, following the occurrence of unforeseen events such as currency fluctuations.
Article 6 6.
The amount referred to in paragraph 1 shall be reviewed periodically by the Commission and at least once every five years. If appropriate, the Commission shall submit to the European Parliament and to the Council a proposal for a Directive to adjust the amount referred to in paragraph 1, taking account in particular of developments in the banking sector and the economic and monetary situation in the Union. The first review shall not take place before 3 July 2020 unless unforeseen events necessitate an earlier review.
Article 6 7.
The Commission shall be empowered to adopt delegated acts in accordance with Article 18 in order to adjust the amount referred to in paragraph 6 at least every five years, in accordance with inflation in the Union on the basis of changes in the harmonised index of consumer prices published by the Commission since the previous adjustment.

1.1 Sklici

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

Zahteve

3. Povezani standardi

Standardi
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