+Člen 19 Prehodne določbe
---+Article 19 1.
---+Article 19 2.
---+Article 19 3.
---+Article 19 4.
---+Article 19 5.
---+Article 19 6.

Člen 19 Prehodne določbe

Člen 19

Prehodne določbe

1.  Kadar nekatere vloge ali vrste vlog ali drugih instrumentov po prenosu te direktive ali Direktive 2009/14/ES v nacionalno zakonodajo niso več v celoti ali delno krite s sistemom jamstva za vloge, lahko države članice dovolijo, da so vloge in drugi instrumenti s prvotnim datumom zapadlosti kriti do prvotnega datuma njihove zapadlosti, če so bili vplačani ali izdani pred 2. julijem 2014.

2.  Države članice zagotovijo, da so vlagatelji obveščeni o vlogah ali vrstah vlog ali drugih instrumentih, ki jih sistem jamstva za vloge od 3. julija 2015 ne krije več.

3.  Dokler ni ciljna raven prvič dosežena, lahko države članice v zvezi z razpoložljivimi finančnimi sredstvi uporabljajo prage iz člena 11(5).

4.  Z odstopanjem od člena 6(1) lahko države članice, ki so 1. januarja 2008 zagotavljale raven kritja od 100 000  EUR do 300 000  EUR, navedeno višjo raven kritja ponovno uporabljajo do 31. decembra 2018. V tem primeru se ustrezno prilagodijo ciljna raven in prispevki kreditnih institucij.

5.  Komisija do 3. julija 2019 Evropskemu parlamentu in Svetu predloži poročilo in, če je primerno, zakonodajni predlog, v katerem navede, kako lahko sistemi jamstva za vloge, ki delujejo v Uniji, sodelujejo prek evropskega sistema, da bi preprečili tveganja, povezana s čezmejnimi dejavnostmi, in zaščitili vloge pred takšnimi tveganji.

6.  Komisija do 3. julija 2019 ob podpori EBA Evropskemu parlamentu in Svetu predloži poročilo o napredku pri izvajanju te direktive. Navedeno poročilo bi moralo zlasti zajemati:

(a) ciljno raven na podlagi kritih vlog, z oceno ustreznosti določenega odstotka in ob upoštevanju propada kreditnih institucij v Uniji v preteklosti;

(b) učinek alternativnih ukrepov, ki se uporabijo v skladu s členom 11(3), na zaščito vlagateljev in skladnost z rednim postopkom likvidacije v bančnem sektorju;

(c) vpliv na raznolikost bančnih modelov;

(d) ustreznost sedanje ravni kritja za vlagatelje;

(e) ali so zadeve iz tega pododstavka opravljene tako, da se ohrani zaščita vlagateljev.

Do 3. julija 2019 EBA Komisiji poroča o modelih za izračun in njihovem pomenu za poslovna tveganja članov. EBA pri poročanju ustrezno upošteva profile tveganja različnih poslovnih modelov.

1. Pregled

,
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 Sklici

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

Zahteve

3. Povezani standardi

Standardi
  • Builddate: 02.07.2014 00:00:00 -Doknr: CELEX:32014L0049
  • EULAW -

    EN: Legal acts of the European Union from EUR-Lex, https://eur-lex.europa.eu/. © European Union. Re-use is authorised by Decision 2011/833/EU, provided the source is acknowledged; the consolidated texts are licensed under CC BY 4.0 (EUR-Lex legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the legislation published in the Official Journal of the European Union is deemed authentic.

    DE: Rechtsakte der Europäischen Union aus EUR-Lex, https://eur-lex.europa.eu/. © Europäische Union. Weiterverwendung nach Beschluss 2011/833/EU mit Quellenangabe gestattet; die konsolidierten Fassungen stehen unter CC BY 4.0 (Rechtlicher Hinweis von EUR-Lex). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Verbindlich sind allein die im Amtsblatt der Europäischen Union veröffentlichten Rechtsakte.