XXXX&Xxxxxx;XĚX&Xxxxxx; XXŘ&Xxxxxx;XXX&Xxxxxx; XXXXXX (XX) 2015/2015
xx xxx 11. listopadu 2015,
xxxx&xxxxxx;x xx xxxxxx&xxxxxx; prováděcí xxxxxxxx&xxxxxx; xxxxx x&xxxxxx;xxx&xxxxxx;x&xxxxxx; xx postupů xxx xxxxxxx&xxxxxx;x&xxxxxx; xxxxxx&xxxxxx;xx &xxxxxx;xěxxx&xxxxxx;xx xxxxxxxx&xxxxxx; x&xxxx;xxxxxxx se xxěxxxx&xxxxxx; Evropského xxxxxxxxxx x&xxxx;Xxxx 2009/138/ES
(Xxxx s x&xxxxxx;xxxxxx pro XXX)
XXXXXXX&Xxxxxx; XXXXXX,
x&xxxx;xxxxxxx xx Xxxxxxx x&xxxx;xxxxxx&xxxxxx;x&xxxxxx; Evropské unie,
x&xxxx;xxxxxxx xx směrnici Xxxxxxx&xxxxxx;xx xxxxxxxxxx x&xxxx;Xxxx 2009/138/ES xx xxx 25. xxxxxxxxx 2009 x&xxxx;xř&xxxxxx;xxxxx x&xxxx;xxxx&xxxxxx;ťxxxx&xxxxxx; x&xxxx;xxxx&xxxxxx;ťxxxx&xxxxxx; čxxxxxxx x&xxxx;xxx&xxxxxx;x x&xxxxxx;xxxx (Xxxxxxxxxxx XX) (1), x&xxxx;xxxx&xxxxxx;xx na čx.&xxxx;44 xxxx.&xxxx;4x čtvrtý xxxxxxxxxxx xxxxxx&xxxxxx; xxěxxxxx,
xxxxxxxx x&xxxx;xěxxx xůxxxůx:
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(1) |
Dodatečné hodnocení xxxxxx&xxxxxx;xx úvěrových xxxxxxxx&xxxxxx; x&xxxx;xxxxxxxx jejich xxxxxxxxx, xxxx&xxxxxx; xx xxxxxxx x&xxxx;čx.&xxxx;44 odst. 4a směrnice 2009/138/XX, xx mělo xřxxxxxxxxxx rozhodující x&xxxx;xůxxžxxxx čxxxxxx x&xxxx;x&xxxxxx;xxx xxxx&xxxxxx;xx ř&xxxxxx;xxx&xxxxxx; rizik, xxxxť xx&xxxxxx;xňxxx xxxxxx xxxxxx&xxxxxx; x&xxxx;x&xxxxxx;xxčxxx xxxxxxxx&xxxxxx;xx xxxxxx x&xxxx;xxxxxxxxxxxx&xxxxxx;xx xxxxx&xxxxxx;xxx&xxxxxx;xx xxžxxxxxx. |
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(2) |
Xxxxxxxx x&xxxx;xxxx, že je xxxxxxčx&xxxxxx; xxxxxxxx&xxxxxx; součástí xxxx&xxxxxx;xx ř&xxxxxx;xxx&xxxxxx; xxxxx, xěxx xx být xxxxxxx&xxxxxx; xxxxxxx xxxxxx xxxxxxxx&xxxxxx; promítnuty do xxxxxxxx ř&xxxxxx;xxx&xxxxxx; xxxxx xxxx&xxxxxx;ťxxxx x&xxxx;xxxx&xxxxxx;ťxxxx, xxxx&xxxxxx; xx xxxxxxx x&xxxx;čx.&xxxx;41 xxxx.&xxxx;3 xxěxxxxx 2009/138/XX. |
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(3) |
Xřx xxčxxňxx&xxxxxx;x&xxxxxx; xěxxxx xxxxxxx&xxxxxx;xx xxxxxxů dodatečného xxxxxxxx&xxxxxx; xx xxxxxxxx řízení xxxxx xx měly xxxx&xxxxxx;ťxxxx a zajišťovny xřxxx&xxxxxx;xxxxx x&xxxx;xxxxxx, rozsahu x&xxxx;xxxxxxxxxxxx xx&xxxxxx; čxxxxxxx a měly xx x&xxxxxx;xxxxxx xxxxxx xxxxxxčx&xxxxxx;xx xxxxxxxx&xxxxxx; x&xxxx;xxůxxx, xxx&xxxxxx;x je xxxx&xxxxxx;xěxx, xxxxxxxxxxxxx. |
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(4) |
Xxxx xxř&xxxxxx;xxx&xxxxxx; xxxx&xxxxxx;x&xxxxxx; x&xxxx;x&xxxxxx;xxxů xxxx&xxxxxx;xěx&xxxxxx;xx xxxxxxxx&xxxxxx;xx xxxxx, které Xxxxxx xřxxxxžxx Xxxxxxx&xxxxxx; xxx&xxxxxx;x xxx xxxx&xxxxxx;ťxxxxxxx&xxxxxx; x&xxxx;xxxěxxxxxxxx&xxxxxx; xxxxxxx&xxxxxx; xxxx&xxxxxx;xěx&xxxxxx;. |
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(5) |
O návrzích xxxx&xxxxxx;xěx&xxxxxx;xx xxxxxxxx&xxxxxx;xx xxxxx, x&xxxx;xxxxž xxxx xxř&xxxxxx;xxx&xxxxxx; xxxx&xxxxxx;x&xxxxxx;, xxxxxxčxxx Xxxxxxx&xxxxxx; xxx&xxxxxx;x xxx xxxx&xxxxxx;ťxxxxxxx&xxxxxx; a zaměstnanecké xxxxxxx&xxxxxx; xxxx&xxxxxx;xěx&xxxxxx; xxxxřxx&xxxxxx; xxřxxx&xxxxxx; konzultace, xxxxxxxxxx xxxxxxx&xxxxxx;xx&xxxxxx; xxxxxxxx&xxxxxx;x&xxxxxx; x&xxxxxx;xxxxx x&xxxx;xř&xxxxxx;xxxx x&xxxx;xxž&xxxxxx;xxx x&xxxx;xxxxxxxxxx xxxxxxx subjektů působících x&xxxx;xxxxxxx pojištění x&xxxx;xxxx&xxxxxx;xěx&xxxxxx; xř&xxxxxx;xxxxx xxxxx čx&xxxxxx;xxx&xxxx;37 xxř&xxxxxx;xxx&xxxxxx; Xxxxxxx&xxxxxx;xx xxxxxxxxxx x&xxxx;Xxxx (XX) č.&xxxx;1094/2010 (2), |
XŘXXXXX XXXX XXŘ&Xxxxxx;XXX&Xxxxxx;:
Čx&xxxxxx;xxx&xxxx;1
Xxxxxxxx ř&xxxxxx;xxx&xxxxxx; rizik
Xxx &xxxxxx;čxxx xxxxxxxx&xxxxxx; xxxxxxxxx xxxxxx&xxxxxx;xx &xxxxxx;xěxxx&xxxxxx;xx xxxxxxxx&xxxxxx; xxxž&xxxxxx;xxx&xxxxxx;xx k výpočtu xxxxxxxx&xxxxxx;xx xxxxxx x&xxxx;xxxxxxxxxxxx&xxxxxx;xx kapitálového xxžxxxxxx, které xx xxxx&xxxxxx;xěxx formou xxxxxxčx&xxxxxx;xx xxxxxxxx&xxxxxx; podle čx.&xxxx;44 xxxx.&xxxx;4x xxěxxxxx 2009/138/ES, xxxx pojišťovny x&xxxx;xxxx&xxxxxx;ťxxxx xxxxxxx xxxxxxxxxx xx xx&xxxxxx; xxxxxxxx ř&xxxxxx;xxx&xxxxxx; xxxxx:
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x) |
xxxxxx a četnost xxxxxxčx&xxxxxx;xx xxxxxxxx&xxxxxx;; |
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x) |
xxůxxx, jakým xx xxxxxxčx&xxxxxx; hodnocení prováděno, xčxxxě xřxxxxxxxxů, x&xxxx;xxxxž xxxx xxxxxxxx&xxxxxx; vychází; |
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x) |
čxxxxxx xxxxxxxxx&xxxxxx;xx přezkumu dodatečného xxxxxxxx&xxxxxx; x&xxxx;xxxx&xxxxxx;xxx, xx xxxxž je xxxxxxčx&xxxxxx; xxxxxxxx&xxxxxx; xxxxx xřxxxxxxxx xx xxx. |
Čx&xxxxxx;xxx&xxxx;2
&Xxxxxx;xxxx x&xxxx;x&xxxxxx;xxx xxxxxx ř&xxxxxx;xxx&xxxxxx; rizik
Xxxx&xxxxxx;ťxxxx a zajišťovny xxxx xxxxxxx xxxxxxxx, xxx xxxxxx ř&xxxxxx;xxx&xxxxxx; xxxxx xěxx xx xx&xxxxxx; xůxxxxxxxx xxxxxxčx&xxxxxx; xxxxxxxx&xxxxxx; x&xxxx;xxxxxxx x&xxxx;xxxxxxx&xxxxxx; ř&xxxxxx;xxx&xxxxxx; xxxxx xxxxxxxx x&xxxx;čx&xxxxxx;xxx&xxxx;1 x&xxxx;xxx výsledky xxxxxx xxxxxxčx&xxxxxx;xx xxxxxxxx&xxxxxx; x&xxxxxx;xxžxxě xxxxxxňxxxxx xřx x&xxxxxx;xxčxx xxxxxxxx&xxxxxx;xx xxxxxx x&xxxx;xxxxxxxxxxxx&xxxxxx;xx xxxxx&xxxxxx;xxx&xxxxxx;xx požadavku.
Čx&xxxxxx;xxx&xxxx;3
Xxxxxxxxx používané k dodatečnému xxxxxxxx&xxxxxx;
Xřx xxxx&xxxxxx;xěx&xxxxxx; dodatečného xxxxxxxx&xxxxxx; xxxx xxxx&xxxxxx;ťxxxx x&xxxx;xxxx&xxxxxx;ťxxxx povinny xxxž&xxxxxx;xxx xxxxxxxxx x&xxxxxx;xxxx&xxxxxx; xx xxxxxxxxx&xxxxxx;xx x&xxxx;xxxx&xxxxxx;xx&xxxxxx;xx xxxxxů.
Čx&xxxxxx;xxx&xxxx;4
Xřxxxxx xxxxxxčx&xxxxxx;xx hodnocení
1. Dodatečné xxxxxxxx&xxxxxx; xřxxxxxx&xxxxxx;xxx&xxxxxx; pojišťovny x&xxxx;xxxx&xxxxxx;ťxxxx v souladu s čl. 41 xxxx.&xxxx;3 xxěxxxxx 2009/138/XX xxxxxxň xxxxxx xxčxě.
2.&xxxx;&xxxx;&xxxx;Xxxx&xxxxxx;ťxxxx x&xxxx;xxxx&xxxxxx;ťxxxx xřxxxxxx&xxxxxx;xxx&xxxxxx; dodatečné xxxxxxxx&xxxxxx; xxxxěž ad xxx, xx-xx xxxxěxx xěxxxx&xxxxxx; z podmínek xxxxx čx.&xxxx;1 písm. x) xxxx xxxxxx&xxxxxx;-xx již xřxxxxxxxxx, x&xxxx;xxxxž xxxx xxxxxxxx&xxxxxx; xxxx&xxxxxx;x&xxxxxx;.
Čx&xxxxxx;xxx&xxxx;5
Xxxxxxxxxxx
Xxxx&xxxxxx;ťxxxx x&xxxx;xxxx&xxxxxx;ťxxxx xxxxxxxxxx&xxxxxx;:
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x) |
xxůxxx, xxx&xxxxxx;x je xxxxxxčx&xxxxxx; xxxxxxxx&xxxxxx; xxxx&xxxxxx;xěxx, x&xxxx;x&xxxxxx;xxxxxx xxxxxx xxxxxxxx&xxxxxx;; |
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x) |
xxxxxx, x&xxxx;xěxž xxxx x&xxxxxx;xxxxxx xxxxxxčx&xxxxxx;xx xxxxxxxx&xxxxxx; xxxxx v úvahu xřx x&xxxxxx;xxčxx technických xxxxxx x&xxxx;xxxxxxxxxxxx&xxxxxx;xx kapitálového xxžxxxxxx. |
Čx&xxxxxx;xxx&xxxx;6
Xxxxx x&xxxx;xxxxxxxx
Xxxx xxř&xxxxxx;xxx&xxxxxx; xxxxxxxx v platnost xxxx&xxxxxx;x&xxxxxx;x xxxx po xxxx&xxxxxx;&xxxxxx;xx&xxxxxx; x&xxxx;&Xxxxxx;řxxx&xxxxxx;x xěxxx&xxxxxx;xx Xxxxxxx&xxxxxx; xxxx.
Xxxx xxxxxxxx je xxxxxxx v celém xxxxxxx x&xxxx;xxxxx xxxxxxxxxx xx xxxxx xxxxxxxxx xxxxxxx.
X&xxxx;Xxxxxxx xxx 11. xxxxxxxxx 2015.
Xx Xxxxxx
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Xxxx-Xxxxxx JUNCKER
(1)&xxxx;&xxxx;Xx. xxxx. X&xxxx;335, 17.12.2009, x.&xxxx;1.
(2)&xxxx;&xxxx;Xxxxxxxx Xxxxxxxxxx xxxxxxxxxx x&xxxx;Xxxx (EU) x.&xxxx;1094/2010 xx xxx 24. xxxxxxxxx 2010 o zřízení Xxxxxxxxxx xxxxxx xxxxxxx (Xxxxxxxxxx xxxxxx xxx xxxxxxxxxxxxxx x&xxxx;xxxxxxxxxxxxx xxxxxxxx xxxxxxxxx), x&xxxx;xxxxx xxxxxxxxxx x.&xxxx;716/2009/XX x&xxxx;x&xxxx;xxxxxxx xxxxxxxxxx Xxxxxx 2009/79/ES (Xx. xxxx. X&xxxx;331, 15.12.2010, x.&xxxx;48).