+Člen 13 Izračun prispevkov v sisteme jamstva za vloge
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Člen 13 Izračun prispevkov v sisteme jamstva za vloge

Člen 13

Izračun prispevkov v sisteme jamstva za vloge

1.  Prispevki v sisteme jamstva za vloge iz člena 10 temeljijo na znesku kritih vlog in stopnji tveganja posamezne članice.

Države članice lahko določijo nižje prispevke za sektorje z nizkim tveganjem, ki jih ureja nacionalno pravo.

Države članice lahko odločijo, da članice institucionalne sheme za zaščito vlog plačajo nižje prispevke v sisteme jamstva za vloge.

Države članice lahko dovolijo, da za centralni organ in vse kreditne institucije, ki so stalno povezane s centralnim organom iz člena 10(1) Uredbe (EU) št. 575/2013, velja teža tveganja, določena za centralni organ in njegove povezane institucije na konsolidirani podlagi.

Države članice lahko odločijo, da kreditne institucije plačajo minimalni prispevek ne glede na znesek njihovih kritih vlog.

2.  Sistemi jamstva za vloge lahko uporabijo svoje metode na podlagi tveganja za določitev in izračun prispevkov svojih članic na podlagi tveganja. Izračun prispevkov je sorazmeren s tveganjem članic in ustrezno upošteva profile tveganj različnih poslovnih modelov. Navedene metode lahko upoštevajo tudi aktivno stran bilance ter kazalnike tveganja, kot so kapitalska ustreznost, kakovost aktive in likvidnost.

Vsako metodo odobri pristojni organ v sodelovanju z imenovanim organom. EBA se obvesti o odobrenih metodah.

3.  Da bi zagotovili dosledno uporabo te direktive, EBA najpozneje do 3. julija 2015 izda smernice v skladu s členom 16 Uredbe (EU) št. 1093/2010 za določitev metod za izračun prispevkov v sisteme jamstva za vloge v skladu z odstavkoma 1 in 2 tega člena.

Zlasti vključi formulo za izračun, posebne kazalnike, kategorije tveganja za članice, prage za teže tveganj, pripisane posameznim kategorijam tveganj, in druge potrebne elemente.

EBA do 3. julija 2017 in nato najmanj vsakih pet let pregleda smernice glede metod na podlagi tveganja ali alternativnih lastnih metod na podlagi tveganja, ki jih uporabljajo sistemi jamstva za vloge.

1. Pregled

,
Article 13 1.
The contributions to DGSs referred to in Article 10 shall be based on the amount of covered deposits and the degree of risk incurred by the respective member.

Member States may provide for lower contributions for low-risk sectors which are regulated under national law.

Member States may decide that members of an IPS pay lower contributions to the DGS.

Member States may allow the central body and all credit institutions permanently affiliated to the central body as referred to in Article 10(1) of Regulation (EU) No 575/2013 to be subject as a whole to the risk weight determined for the central body and its affiliated institutions on a consolidated basis.

Member States may decide that credit institutions pay a minimum contribution, irrespective of the amount of their covered deposits.
Article 13 2.
DGSs may use their own risk-based methods for determining and calculating the risk-based contributions by their members. The calculation of contributions shall be proportional to the risk of the members and shall take due account of the risk profiles of the various business models. Those methods may also take into account the asset side of the balance sheet and risk indicators, such as capital adequacy, asset quality and liquidity.

Each method shall be approved by the competent authority in cooperation with the designated authority. EBA shall be informed about the methods approved.
Article 13 3.
In order to ensure consistent application of this Directive, EBA shall, by 3 July 2015, issue guidelines pursuant to Article 16 of Regulation (EU) No 1093/2010 to specify methods for calculating the contributions to DGSs in accordance with paragraphs 1 and 2 of this Article.

In particular, it shall include a calculation formula, specific indicators, risk classes for members, thresholds for risk weights assigned to specific risk classes, and other necessary elements.

By 3 July 2017 and at least every five years thereafter, EBA shall conduct a review of the guidelines on risk-based or alternative own-risk-based methods applied by DGSs.

1.1 Sklici

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

Zahteve

3. Povezani standardi

Standardi
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