XXXX&Xxxxxx;XĚX&Xxxxxx; NAŘÍZENÍ KOMISE (XX) č.&xxxx;602/2014
xx xxx 4. čxxxxx 2014,
kterým xx xxxxxx&xxxxxx; xxxx&xxxxxx;xěx&xxxxxx; xxxxxxxx&xxxxxx; xxxxx pro xxxxxxěx&xxxxxx; sbližování xxxxxxů xxxxxxx, xxxxx xxx x&xxxx;xxxxxňxx&xxxxxx;x&xxxxxx; xxxxxxčx&xxxxxx;xx xxxxxxx&xxxxxx;xx xxx xxxxx xxř&xxxxxx;xxx&xxxxxx; Xxxxxxx&xxxxxx;xx xxxxxxxxxx x&xxxx;Xxxx (XX) č.&xxxx;575/2013
(Xxxx x x&xxxxxx;xxxxxx xxx XXX)
XXXXXXX&Xxxxxx; XXXXXX,
x&xxxx;xxxxxxx na Xxxxxxx x&xxxx;xxxxxx&xxxxxx;x&xxxxxx; Xxxxxxx&xxxxxx; xxxx,
x&xxxx;xxxxxxx xx xxř&xxxxxx;xxx&xxxxxx; Xxxxxxx&xxxxxx;xx xxxxxxxxxx x&xxxx;Xxxx (XX) č.&xxxx;575/2013 xx dne 26. čxxxxx 2013 x&xxxx;xxxxřxxxxxxx&xxxxxx;xx požadavcích xx &xxxxxx;xěxxx&xxxxxx; xxxxxxxxx a investiční xxxxxxx a o změně xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;648/2012 (1), x&xxxx;xxxx&xxxxxx;xx xx čx.&xxxx;410 xxxx.&xxxx;3 xxxxxx&xxxxxx;xx nařízení,
vzhledem x&xxxx;xěxxx xůxxxůx:
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Xx xxxxx&xxxxxx; stanovit xxxx&xxxxxx;xěx&xxxxxx; xxxxxxxx&xxxxxx; xxxxx xxx xxxxxxěx&xxxxxx; xxxxžxx&xxxxxx;x&xxxxxx; xxxxxxů xxxxxxx, xxxx&xxxxxx; xx týkají provádění xxxxxxx&xxxxxx;xx přístupu x&xxxx;xxxxxxx&xxxxxx;x&xxxxxx; x&xxxxxx;xxžx&xxxxxx;xx xxxxxěx&xxxxxx; xxžxxxxxů xx xxxxxx instituce x&xxxx;xůxxxx xxxxxxxxxx xxxx xxxxxxxx&xxxxxx; x&xxxx;x&xxxx;xxxxxňxx&xxxxxx;x&xxxxxx; xxxxxxčx&xxxxxx;xx xxxxxxx&xxxxxx;xx vah. X&xxxx;xxxxxxěx&xxxxxx; xxxxžxx&xxxxxx;x&xxxxxx; xxxxxxů xxxxxxx xřx uplatňování dodatečných xxxxxxx&xxxxxx;xx xxx xx xěx x&xxxxxx;x stanoven xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxxxxx. Xxxxxx xx měl xxxxxxxx xřxxěřxxxx dodatečnou xxxxxxxxx x&xxxxxx;xx xx x&xxxxxx;&xxxxxx;x xxxx&xxxxxx;xě 250 %, xxxx&xxxxxx; se xxxxxxxxxxě xxx&xxxxxx;xxx x&xxxx;xxžx&xxxxxx;x dalším xxxx&xxxxxx;xx&xxxxxx;x čx&xxxxxx;xxů&xxxx;405, 406 xxxx 409 xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;575/2013. Xx xxxxxx xx měl x&xxxxxx;x začleněn xxxxx&xxxxxx; xxxxxx xxxžňxx&xxxxxx;x&xxxxxx; x&xxxxxx;xxčxx xxž&xxxxxx;&xxxxxx; dodatečné xxxxxxx&xxxxxx; x&xxxxxx;xx v případě xxxxxxx, xxž jsou vyňaty xxxxx čx.&xxxx;405 xxxx.&xxxx;3 xxř&xxxxxx;xxx&xxxxxx; (EU) č.&xxxx;575/2013. |
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Toto xxř&xxxxxx;xxx&xxxxxx; xxxx&xxxxxx;x&xxxxxx; x&xxxx;x&xxxxxx;xxxů xxxxxxčx&xxxxxx;xx xxxxxxxx&xxxxxx;xx norem, xxxx&xxxxxx; Xxxxxx xřxxxxžxx Xxxxxxx&xxxxxx; xxx&xxxxxx;x xxx xxxxxxxxxxx&xxxxxx;. |
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Xxxxxxx&xxxxxx; xxx&xxxxxx;x xxx xxxxxxxxxxx&xxxxxx; uskutečnil xxxxřxx&xxxxxx; xxřxxx&xxxxxx; xxxxxxxxxx x&xxxx;x&xxxxxx;xxx&xxxxxx;xx xxxx&xxxxxx;xěx&xxxxxx;xx xxxxxxxx&xxxxxx;xx norem, x&xxxx;xxxxž toto xxř&xxxxxx;xxx&xxxxxx; xxxx&xxxxxx;x&xxxxxx;, xxxxxxxxxx potenciální xxxxxxxx&xxxxxx;x&xxxxxx; náklady x&xxxx;xř&xxxxxx;xxxx x&xxxx;xxž&xxxxxx;xxx x&xxxx;xxxxxxxxxx xxxxxxx xxxxxxxů xůxxx&xxxxxx;x&xxxxxx;xx x&xxxx;xxxxxxxxxxx&xxxxxx; xř&xxxxxx;xxxxx xxxxx čx&xxxxxx;xxx&xxxx;37 xxř&xxxxxx;xxx&xxxxxx; Xxxxxxx&xxxxxx;xx xxxxxxxxxx x&xxxx;Xxxx (EU) č.&xxxx;1093/2010 (2), |
XŘXXXXX XXXX XXŘ&Xxxxxx;XXX&Xxxxxx;:
Čx&xxxxxx;xxx&xxxx;1
Xxxxx&xxxxxx; xxxxxxxxx&xxxxxx;
1.&xxxx;&xxxx;&xxxx;Xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx xxxxxx&xxxxxx;, xxx xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx xxxxxxěx&xxxxxx; xxxxx čx&xxxxxx;xxx&xxxx;407 xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;575/2013 xxxx xxxžxxx na x&xxxxxx;xxxxx xxxxxxxxx&xxxxxx;, xxxxxxxx&xxxxxx; xxžxx&xxxxxx; xxxxxxxxxxxxx&xxxxxx; xxxxxx, kterých xx týká závažné xxxx&xxxxxx;xx&xxxxxx; článků 405, 406 xxxx 409 xxř&xxxxxx;xxx&xxxxxx; (XX) č. 575/2013.
2.&xxxx;&xxxx;&xxxx;Xxxxx xxxxxxxxx xxxx&xxxxxx;xx&xxxxxx; xxžxxxxxů xxxxxxxx&xxxxxx;xx x&xxxx;čx&xxxxxx;xx&xxxxxx;xx 405, 406 xxxx 409 xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;575/2013 napraví, xřxxxxxx xx dodatečná xxxxxxx&xxxxxx; x&xxxxxx;xx uplatňovat xx okamžiku xxx&xxxxxx;xxx&xxxxxx; x&xxxxxx;xxxxx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx;xx xxx&xxxxxx;xx.
3. Při xxxxxxx&xxxxxx;x&xxxxxx;, zda xxxxxxxx xxxxxxčxxx xxxxxxxxx x&xxxxxx;xx, xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx xxxxxxx&xxxxxx; xxx závažnost xxxx&xxxxxx;xx&xxxxxx; čx&xxxxxx;xxů&xxxx;405, 406 xxxx 409 nařízení (EU) č.&xxxx;575/2013, tak xxxx x&xxxxxx;xxxx pro analýzu xxxxx sekuritizované xxxxxx. X&xxxxxx;xxžxxxx se xxxxxxxx x&xxxx;xxxxxxxxxxxx&xxxxxx;xx x&xxxx;xxxxxxxxxxx&xxxxxx;xx xxxxxxxx x, xx-xx xx xxxxxxxxx&xxxxxx;, jak xx &xxxxxx;xxxxx xxxxxxxxx&xxxxxx;xx xxxxxxxx, xxx i na xxxxxxxxxxxx&xxxxxx; &xxxxxx;xxxxx. Při xxxxxxx&xxxxxx;x&xxxxxx; x&xxxxxx;xx závažnosti xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx xxxxě xxx&xxxxxx;xx xxxxxxů zohlední délku xxxx&xxxxxx;xx&xxxxxx;, xxxxx xxxčxx&xxxxxx;xx xxxxx x&xxxx;xx, zda xx xxxxxxxxx xxxxxxxx xxxx&xxxxxx;xx&xxxxxx; aktivně xxxxxxxx.
4.&xxxx;&xxxx;&xxxx;Xřx xxxxxxx&xxxxxx;x&xxxxxx;, zda xxxxxxxxx x&xxxx;xůxxxx xxxxxxxxxx čx xxxxxxxx&xxxxxx; x&xxxx;xxx&xxxxxx;xxxxx podstatném xxxxxx xxxxxxxxx xxžxxxxxx xxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xxx&xxxx;405 xxř&xxxxxx;xxx&xxxxxx; (XX) č. 575/2013, xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx nepřihlížejí k případnému xxxxxxxx&xxxxxx; xůxxxxx, sponzora xxxx původního xěřxxxxx xxx&xxxxxx;xxx xxůx x&xxxxxx;xxxxx x&xxxx;xxxxxx&xxxxxx;x&xxxxxx; významného xxxxxxxxx&xxxxxx;xx xxx&xxxxxx;xx xx x&xxxxxx;&xxxxxx;x xxxx&xxxxxx;xě 5 % xx xxxxxx x&xxxx;xř&xxxxxx;xěx&xxxxxx;&xxxxxx;x xxxxxxxxxxx&xxxxxx;x, xxxxx instituce xůžx xxxx&xxxxxx;xxx, žx xxxxxxx xxxxxxxx xřxxěřxxě xxxxxxxxxx.
5.&xxxx;&xxxx;&xxxx;X&xxxx;xř&xxxxxx;xxxě x&xxxxxx;xxžx&xxxxxx;xx porušení xxxxxxxxxx týkající xx xxř&xxxxxx;xxxxxěx&xxxxxx; xxxxxxxx&xxxxxx; stanovené x&xxxx;čx&xxxxxx;xxx&xxxx;409 xxř&xxxxxx;xxx&xxxxxx; (EU) č.&xxxx;575/2013 x&xxxx;xůxxxx xxxxxxxxxx xxxx xxxxxxxx&xxxxxx; ze xxxxxx xxxxxxxxx xxxž&xxxxxx; xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx xxxxxxčxxx xxxxxxxxx váhu xx xxxxxxxx&xxxxxx; pozice xůxxxxx, xxxxxxxx xxxx původního xěřxxxxx x&xxxx;xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; sekuritizaci xxxx xx xxxxx xxxxxxxx xůčx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxxxxxxxxxxx.
6.&xxxx;&xxxx;&xxxx;Xřx xxxxxxx&xxxxxx;x&xxxxxx;, zda xxxxxxxxx x&xxxx;xůxxxx xxxxxxxxxx čx xxxxxxxx&xxxxxx; x&xxxx;xxx&xxxxxx;xxxxx xxxxxxxx&xxxxxx;x xxxxxx nesplnila xxžxxxxxx xxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xx&xxxxxx;xx 405, 406 xxxx 409 nařízení (XX) č.&xxxx;575/2013 x&xxxx;xxxxxxxxxxxxx&xxxxxx;xx xxxxx xxxxxxxx&xxxxxx;xx xxx nebo xx xxx 1. xxxxx 2011 a před xxxx 1. xxxxx 2014, xxxxx příslušné xxx&xxxxxx;xx xřxxx&xxxxxx;xxxxx x&xxxx;xxxx, xxx xxxxxxxxx mezi xxxx xxxxx x&xxxx;xxxx 31. prosince 2013 xxxxxx xxxxžxxxxx xxžxxxxxx xxxxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xxx&xxxx;122x směrnice Xxxxxxx&xxxxxx;xx parlamentu a Rady 2006/48/XX (3) x&xxxx;x&xxxx;xxxxxxxx k článku 122a xxěxxxxx 2006/48/XX xxxxx&xxxxxx;xx Xxxxxxx&xxxxxx;x x&xxxxxx;xxxxx xxx&xxxxxx;xů xxxxxxx&xxxxxx;xx xxxxxxx (4).
Čx&xxxxxx;xxx&xxxx;2
X&xxxxxx;xxčxx xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx
X&xxxx;xř&xxxxxx;xxxxxx, kdy xxxxxxxxx x&xxxx;xxx&xxxxxx;xxxxx xxxxxxxx&xxxxxx;x ohledu xxxxxňxxx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; požadavky xxxxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xx&xxxxxx;xx 405, 406 xxxx 409 xxř&xxxxxx;xxx&xxxxxx; (EU) č.&xxxx;575/2013, xxxžxx&xxxxxx; příslušné xxx&xxxxxx;xx x&xxxx;xxčxx&xxxxxx; xxxxxx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx (&xxxxx;xxxxxx&xxxxxx; XX&xxxxx;) x&xxxx;xxxxxxx x&xxxx;xxxxxxxx xxxxxxxx&xxxxxx;x x&xxxx;čx.&xxxx;245 odst. 6 x&xxxx;čx.&xxxx;337 xxxx.&xxxx;3 xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;575/2013 x&xxxxxx;xxxxxx&xxxxxx;x&xxxxxx; vzorec:
Xxxxxx&xxxxxx; XX = Min [12,5; xůxxxx&xxxxxx; XX &xxxxx; (1 + (2,5&xxxx;+&xxxx;2,5 × xxx&xxxxxx;x&xxxxxx; xxxx&xxxxxx;xx&xxxxxx;xxxx) &xxxxx; (1 &xxxxx; x&xxxxxx;xxxxx čx&xxxxxx;xxx&xxxx;405Xxx))]
xxx:
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„12,5“ xx xxxxxx xřxxxxxxxx&xxxxxx;x&xxxxxx; xxxxx&xxxxxx;xx&xxxxxx; xxxxxxx, jíž xůžx xxxxxx&xxxxxx; riziková x&xxxxxx;xx dosáhnout; |
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&xxxxx;xůxxxx&xxxxxx; XX&xxxxx; xx riziková x&xxxxxx;xx, xxxx&xxxxxx; by se xx sekuritizované xxxxxx xxxžxxx, pokud xx xxxxxx xxxxxxěxx xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx; |
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&xxxxx;2,5&xxxxx; xx xxxxx&xxxxxx;xx&xxxxxx; xxxxxx použitelný xx xůxxxx&xxxxxx; xxxxxxxxx x&xxxxxx;xx xx &xxxxxx;čxxxx x&xxxxxx;xxčxx xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx; |
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&xxxxx;xxx&xxxxxx;x&xxxxxx; porušeníroky“ je x&xxxxxx;xxx xxxx&xxxxxx;xx&xxxxxx; xxx&xxxxxx;xřxx&xxxxxx; x&xxxx;xxxxxx xx xxxxxxxxxxx&xxxxxx; xxxů na xxxxxxž&xxxxxx;&xxxxxx; xxxx&xxxxxx;xxxxěx&xxxxxx;čx&xxxxxx; období. Xxxx xxxxěxx&xxxxxx; xx xxxx&xxxxxx; &xxxxx;0&xxxxx; v případě xxxx&xxxxxx;xx&xxxxxx; xxxx&xxxxxx;&xxxxxx;xx xxž 12 xěx&xxxxxx;xů, &xxxxx;1&xxxxx; x&xxxx;xř&xxxxxx;xxxě xxxx&xxxxxx;xx&xxxxxx; xxx&xxxxxx;&xxxxxx;xx xxž 12 xěx&xxxxxx;xů, xx&xxxxxx;xx xxxx&xxxxxx;&xxxxxx;xx než 24 xěx&xxxxxx;xů, &xxxxx;2&xxxxx; x&xxxx;xř&xxxxxx;xxxě xxxx&xxxxxx;xx&xxxxxx; delšího xxž 24 xěx&xxxxxx;xů, xx&xxxxxx;xx xxxx&xxxxxx;&xxxxxx;xx než 36 xěx&xxxxxx;xů xxx. Xxx&xxxxxx;x&xxxxxx; xx xxxxxxx xěř&xxxxxx; xx počátku porušení x&xxxxxx;xxx&xxxxxx;x&xxxxxx;xx xx xxx&xxxxxx; xxxxxxxxxxxx, xx&xxxxxx;xx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx mohou xx xxxxxxxěx&xxxxxx; xxxxxxxxx&xxxxxx;xx xxxxxxxxx&xxxxxx; xxxxxxxxxxxx stanovit xxč&xxxxxx;xxx xxx&xxxxxx;. &xxxxx;Xxxx&xxxxxx;xx&xxxxxx;x&xxxxx; xx xxxxx&xxxxxx; porušení xxxxxxx xxxx více požadavků xxxxxxxx&xxxxxx;xx x&xxxx;čx&xxxxxx;xx&xxxxxx;xx 405, 406 xxxx 409, xxxx&xxxxxx; xůžx být xůxxxxx pro xxxxxxěx&xxxxxx; xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; váhy. X&xxxx;xxxx&xxxxxx;xx&xxxxxx; xx xx xxxxxxx&xxxxxx; xxčxx&xxxxxx; xxxx xxx x&xxxxxx;xxxxx xx&xxxxxx;x&xxxxxx; &xxxxx;xxx&xxxxxx;&xxxxxx; porušení“, xxxx&xxxxxx; xxxx x&xxxx;xxxxxxxxxx&xxxxxx;xx xx&xxxxxx;&xxxxxx;xx&xxxxxx; xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx; |
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„výjimka čx&xxxxxx;xxx&xxxx;405Xxx&xxxxx; xx xxxxěxx&xxxxxx; xxxxxx&xxxxxx;x&xxxxxx; xx „0,5“, xxxxx xx xx xxxxxxxxxxxxx&xxxxxx; xxxxxx, pro xěž je vypočtena xxxxxxčx&xxxxxx; riziková váha, xxxxxxxx čx.&xxxx;405 xxxx.&xxxx;3 xxř&xxxxxx;xxx&xxxxxx; (EU) č.&xxxx;575/2013, xxxx „0“, pokud xx xx xě xxxx x&xxxxxx;xxxxx xxxxxxxxxx. |
Čx&xxxxxx;xxx&xxxx;3
Xxxxx v platnost
Toto xxř&xxxxxx;xxx&xxxxxx; xxxxxxxx x&xxxx;xxxxxxxx xxxx&xxxxxx;x&xxxxxx;x xxxx xx xxxx&xxxxxx;&xxxxxx;xx&xxxxxx; x&xxxx;&Xxxxxx;řxxx&xxxxxx;x xěxxx&xxxxxx;xx Xxxxxxx&xxxxxx; xxxx.
Xxxx xxxxxxxx xx xxxxxxx x&xxxx;xxxxx xxxxxxx x&xxxx;xxxxx použitelné xx xxxxx xxxxxxxxx xxxxxxx.
X&xxxx;Xxxxxxx xxx 4. června 2014.
Xx Komisi
José Xxxxxx XXXXXXX
xxxxxxxx
(1) Úř. xxxx. X 176, 27.6.2013, x.&xxxx;1.
(2) Nařízení Xxxxxxxxxx xxxxxxxxxx x&xxxx;Xxxx (XX) x.&xxxx;1093/2010 xx xxx 24. xxxxxxxxx 2010 x&xxxx;xxxxxxx Xxxxxxxxxx xxxxxx dohledu (Xxxxxxxxxx xxxxxx xxx xxxxxxxxxxxx), x&xxxx;xxxxx xxxxxxxxxx x.&xxxx;716/2009/XX x&xxxx;x&xxxx;xxxxxxx xxxxxxxxxx Xxxxxx 2009/78/ES (Xx. xxxx. X&xxxx;331, 15.12.2010, x.&xxxx;12).
(3)&xxxx;&xxxx;Xxxxxxxx Evropského xxxxxxxxxx x&xxxx;Xxxx 2006/48/XX xx xxx 14. června 2006 x&xxxx;xxxxxxxx x&xxxx;xxxxxxxx xxxxxxxxx institucí x&xxxx;x&xxxx;xxxxx xxxxxx&xxxx;(Xx. věst. L 177, 30.6.2006, s. 1).
(4) http://www.eba.europa.eu/documents/10180/106202/Guidelines.pdf.