XXXX&Xxxxxx;XĚX&Xxxxxx; XXŘ&Xxxxxx;XXX&Xxxxxx; XXXXXX (XX) č.&xxxx;602/2014
ze xxx 4. čxxxxx 2014,
xxxx&xxxxxx;x xx xxxxxx&xxxxxx; prováděcí xxxxxxxx&xxxxxx; normy xxx xxxxxxěx&xxxxxx; xxxxžxx&xxxxxx;x&xxxxxx; postupů 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 a Rady (XX) č.&xxxx;575/2013
(Xxxx s x&xxxxxx;xxxxxx pro 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; Evropského xxxxxxxxxx a Rady (EU) č.&xxxx;575/2013 ze xxx 26. června 2013 x&xxxx;xxxxřxxxxxxx&xxxxxx;xx xxžxxxxx&xxxxxx;xx na &xxxxxx;xěxxx&xxxxxx; xxxxxxxxx x&xxxx;xxxxxxxčx&xxxxxx; xxxxxxx x&xxxx;x&xxxx;xxěxě xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;648/2012 (1), x&xxxx;xxxx&xxxxxx;xx xx čx.&xxxx;410 odst. 3 xxxxxx&xxxxxx;xx xxř&xxxxxx;xxx&xxxxxx;,
xxxxxxxx k těmto xůxxxůx:
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Xx xxxxx&xxxxxx; xxxxxxxx xxxx&xxxxxx;xěx&xxxxxx; technické normy xxx xxxxxxěx&xxxxxx; xxxxžxx&xxxxxx;x&xxxxxx; xxxxxxů dohledu, xxxx&xxxxxx; xx x&xxxxxx;xxx&xxxxxx; xxxx&xxxxxx;xěx&xxxxxx; xxxxxxx&xxxxxx;xx přístupu k posuzování x&xxxxxx;xxžx&xxxxxx;xx xxxxxěx&xxxxxx; požadavků xx strany instituce x&xxxx;xůxxxx xxxxxxxxxx xxxx xxxxxxxx&xxxxxx; x&xxxx;x&xxxx;xxxxxňxx&xxxxxx;x&xxxxxx; dodatečných xxxxxxx&xxxxxx;xx xxx. K usnadnění xxxxžxx&xxxxxx;x&xxxxxx; xxxxxxů dohledu xřx uplatňování dodatečných xxxxxxx&xxxxxx;xx xxx xx xěx být stanoven xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxxxxx. Xxxxxx xx xěx xxxxxxxx xřxxěřxxxx xxxxxxčxxx rizikovou x&xxxxxx;xx xx x&xxxxxx;&xxxxxx;x xxxx&xxxxxx;xě 250 %, xxxx&xxxxxx; xx progresivně xxx&xxxxxx;xxx x&xxxx;xxžx&xxxxxx;x xxx&xxxxxx;&xxxxxx;x xxxx&xxxxxx;xx&xxxxxx;x článků 405, 406 xxxx 409 nařízení (XX) č.&xxxx;575/2013. Do xxxxxx by měl x&xxxxxx;x xxčxxxěx xxxxx&xxxxxx; xxxxxx xxxžňxx&xxxxxx;x&xxxxxx; x&xxxxxx;xxčxx xxž&xxxxxx;&xxxxxx; xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx x&xxxx;xř&xxxxxx;xxxě xxxxxxx, xxž xxxx vyňaty xxxxx čx.&xxxx;405 odst. 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 pro xxxxxxxxxxx&xxxxxx;. |
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Xxxxxxx&xxxxxx; xxx&xxxxxx;x xxx xxxxxxxxxxx&xxxxxx; xxxxxxčxxx otevřené xxřxxx&xxxxxx; xxxxxxxxxx x&xxxx;x&xxxxxx;xxx&xxxxxx;xx xxxx&xxxxxx;xěx&xxxxxx;xx xxxxxxxx&xxxxxx;xx xxxxx, x&xxxx;xxxxž xxxx xxř&xxxxxx;xxx&xxxxxx; xxxx&xxxxxx;x&xxxxxx;, xxxxxxxxxx potenciální xxxxxxxx&xxxxxx;x&xxxxxx; x&xxxxxx;xxxxx x&xxxx;xř&xxxxxx;xxxx x&xxxx;xxž&xxxxxx;xxx x&xxxx;xxxxxxxxxx xxxxxxx xxxxxxxů působících x&xxxx;xxxxxxxxxxx&xxxxxx; xř&xxxxxx;xxxxx xxxxx čx&xxxxxx;xxx&xxxx;37 xxř&xxxxxx;xxx&xxxxxx; Evropského xxxxxxxxxx x&xxxx;Xxxx (XX) č.&xxxx;1093/2010 (2), |
PŘIJALA 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;, aby xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; váha xxxxxxěx&xxxxxx; xxxxx čx&xxxxxx;xxx&xxxx;407 xxř&xxxxxx;xxx&xxxxxx; (XX) č. 575/2013 xxxx xxxžxxx xx všechny xxxxxxxxx&xxxxxx;, xxxxxxxx&xxxxxx; držené xxxxxxxxxxxxx&xxxxxx; xxxxxx, kterých xx x&xxxxxx;x&xxxxxx; závažné xxxx&xxxxxx;xx&xxxxxx; čx&xxxxxx;xxů&xxxx;405, 406 xxxx 409 xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;575/2013.
2.&xxxx;&xxxx;&xxxx;Xxxxx instituce 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 xxxxxx&xxxxxx;, xřxxxxxx se dodatečná xxxxxxx&xxxxxx; váha xxxxxňxxxx xx xxxxžxxx xxx&xxxxxx;xxx&xxxxxx; x&xxxxxx;xxxxx příslušnému xxx&xxxxxx;xx.
3.&xxxx;&xxxx;&xxxx;Xřx xxxxxxx&xxxxxx;x&xxxxxx;, xxx xxxxxxxx xxxxxxčxxx rizikovou váhu, xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; orgány xxxxxxx&xxxxxx; xxx závažnost porušení čx&xxxxxx;xxů&xxxx;405, 406 xxxx 409 nařízení (XX) č.&xxxx;575/2013, xxx xxxx x&xxxxxx;xxxx pro xxxx&xxxxxx;xx xxxxx xxxxxxxxxxxxx&xxxxxx; xxxxxx. X&xxxxxx;xxžxxxx xx xxxxxxxx x&xxxx;xxxxxxxxxxxx&xxxxxx;xx i kvalitativního xxxxxxxx x, je-li xx xxxxxxxxx&xxxxxx;, xxx xx &xxxxxx;xxxxx xxxxxxxxx&xxxxxx;xx xxxxxxxx, xxx x&xxxx;xx xxxxxxxxxxxx&xxxxxx; &xxxxxx;xxxxx. Xřx xxxxxxx&xxxxxx;x&xxxxxx; x&xxxxxx;xx x&xxxxxx;xxžxxxxx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx xxxxě xxx&xxxxxx;xx xxxxxxů xxxxxxx&xxxxxx; x&xxxxxx;xxx xxxx&xxxxxx;xx&xxxxxx;, xxxxx xxxčxx&xxxxxx;xx xxxxx a to, xxx xx xxxxxxxxx pokusila xxxx&xxxxxx;xx&xxxxxx; xxxxxxě xxxxxxxx.
4.&xxxx;&xxxx;&xxxx;Xřx xxxxxxx&xxxxxx;x&xxxxxx;, xxx instituce x&xxxx;xůxxxx xxxxxxxxxx či xxxxxxxx&xxxxxx; x&xxxx;xxx&xxxxxx;xxxxx xxxxxxxx&xxxxxx;x xxxxxx nesplnila xxžxxxxxx xxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xxx&xxxx;405 nařízení (XX) č.&xxxx;575/2013, příslušné xxx&xxxxxx;xx xxxřxxx&xxxxxx;žxx&xxxxxx; x&xxxx;xř&xxxxxx;xxxx&xxxxxx;xx xxxxxxxx&xxxxxx; xůxxxxx, xxxxxxxx xxxx xůxxxx&xxxxxx;xx xěřxxxxx xxx&xxxxxx;xxx svůj x&xxxxxx;xxxxx x&xxxx;xxxxxx&xxxxxx;x&xxxxxx; x&xxxxxx;xxxxx&xxxxxx;xx xxxxxxxxx&xxxxxx;xx xxx&xxxxxx;xx xx výši xxxx&xxxxxx;xě 5 % xx vztahu k dřívějším xxxxxxxxxxx&xxxxxx;x, xxxxx instituce xůžx prokázat, žx xxxxxxx xxxxxxxx xřxxěřxxě xxxxxxxxxx.
5.&xxxx;&xxxx;&xxxx;X&xxxx;xř&xxxxxx;xxxě x&xxxxxx;xxžx&xxxxxx;xx xxxx&xxxxxx;xx&xxxxxx; xxxxxxxxxx x&xxxxxx;xxx&xxxxxx;x&xxxxxx; 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 opomenutí xx xxxxxx xxxxxxxxx uloží xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; orgány xxxxxxčxxx xxxxxxxxx x&xxxxxx;xx na xxxxxxxx&xxxxxx; pozice xůxxxxx, xxxxxxxx xxxx xůxxxx&xxxxxx;xx xěřxxxxx v příslušné xxxxxxxxxxxx xxxx xx jinou xxxxxxxx xůčx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxxxxxxxxxxx.
6.&xxxx;&xxxx;&xxxx;Xřx posuzování, xxx xxxxxxxxx z důvodu nedbalosti čx xxxxxxxx&xxxxxx; v jakémkoli xxxxxxxx&xxxxxx;x xxxxxx nesplnila xxžxxxxxx xxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xx&xxxxxx;xx 405, 406 xxxx 409 xxř&xxxxxx;xxx&xxxxxx; (EU) č.&xxxx;575/2013 x&xxxx;xxxxxxxxxxxxx&xxxxxx;xx xxxxx xxxxxxxx&xxxxxx;xx xxx nebo xx xxx 1. xxxxx 2011 x&xxxx;xřxx xxxx 1. xxxxx 2014, mohou xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx xřxxx&xxxxxx;xxxxx k tomu, xxx instituce xxxx xxxx emise x&xxxx;xxxx 31. xxxxxxxx 2013 xxxxxx xxxxžxxxxx požadavky xxxxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xxx&xxxx;122x směrnice Xxxxxxx&xxxxxx;xx parlamentu x&xxxx;Xxxx 2006/48/XX (3) x&xxxx;x&xxxx;xxxxxxxx k článku 122a xxěxxxxx 2006/48/XX vydaných Xxxxxxx&xxxxxx;x výborem xxx&xxxxxx;xů xxxxxxx&xxxxxx;xx dohledu (4).
Čx&xxxxxx;xxx&xxxx;2
X&xxxxxx;xxčxx xxxxxxčx&xxxxxx; rizikové x&xxxxxx;xx
X&xxxx;xř&xxxxxx;xxxxxx, kdy instituce x&xxxx;xxx&xxxxxx;xxxxx podstatném ohledu xxxxxňxxx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxžxxxxxx xxxxxxxx&xxxxxx; x&xxxx;čx&xxxxxx;xx&xxxxxx;xx 405, 406 nebo 409 xxř&xxxxxx;xxx&xxxxxx; (XX) č.&xxxx;575/2013, xxxžxx&xxxxxx; xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx x&xxxx;xxčxx&xxxxxx; xxxxxx&xxxxxx; rizikové x&xxxxxx;xx (&xxxxx;xxxxxx&xxxxxx; XX&xxxxx;) x&xxxx;xxxxxxx x&xxxx;xxxxxxxx xxxxxxxx&xxxxxx;x x&xxxx;čx.&xxxx;245 xxxx.&xxxx;6 x&xxxx;čx.&xxxx;337 xxxx.&xxxx;3 xxř&xxxxxx;xxx&xxxxxx; (EU) č.&xxxx;575/2013 následující xxxxxx:
Xxxxxx&xxxxxx; XX = Xxx [12,5; xůxxxx&xxxxxx; RW &xxxxx; (1 + (2,5&xxxx;+&xxxx;2,5 &xxxxx; xxx&xxxxxx;x&xxxxxx; xxxx&xxxxxx;xx&xxxxxx;xxxx) &xxxxx; (1 &xxxxx; výjimka čx&xxxxxx;xxx&xxxx;405Xxx))]
xxx:
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&xxxxx;12,5&xxxxx; 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; RW“ xx riziková x&xxxxxx;xx, xxxx&xxxxxx; xx xx xx xxxxxxxxxxxxx&xxxxxx; xxxxxx xxxžxxx, xxxxx xx xxxxxx uplatněna xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; váha; |
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&xxxxx;2,5&xxxxx; xx xxxxx&xxxxxx;xx&xxxxxx; xxxxxx xxxžxxxxx&xxxxxx; xx původní rizikovou x&xxxxxx;xx za účelem x&xxxxxx;xxčxx xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx; |
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&xxxxx;xxx&xxxxxx;x&xxxxxx; xxxx&xxxxxx;xx&xxxxxx;xxxx&xxxxx; je x&xxxxxx;xxx xxxx&xxxxxx;xx&xxxxxx; xxx&xxxxxx;xřxx&xxxxxx; x&xxxx;xxxxxx po xxxxxxxxxxx&xxxxxx; xxxů na xxxxxxž&xxxxxx;&xxxxxx; xxxx&xxxxxx;xxxxěx&xxxxxx;čx&xxxxxx; období. Tato xxxxěxx&xxxxxx; xx xxxx&xxxxxx; &xxxxx;0&xxxxx; x&xxxx;xř&xxxxxx;xxxě 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 xxž 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 xxž 36 xěx&xxxxxx;xů atd. Xxx&xxxxxx;x&xxxxxx; xx xxxxxxx měří xx xxč&xxxxxx;xxx xxxx&xxxxxx;xx&xxxxxx; x&xxxxxx;xxx&xxxxxx;x&xxxxxx;xx se xxx&xxxxxx; xxxxxxxxxxxx, xx&xxxxxx;xx xř&xxxxxx;xxx&xxxxxx;x&xxxxxx; xxx&xxxxxx;xx xxxxx xx xxxxxxxěx&xxxxxx; xxxxxxxxx&xxxxxx;xx xxxxxxxxx&xxxxxx; xxxxxxxxxxxx stanovit xxč&xxxxxx;xxx xxx&xxxxxx;. „Porušením“ xx xxxxx&xxxxxx; xxxx&xxxxxx;xx&xxxxxx; jednoho xxxx více xxžxxxxxů xxxxxxxx&xxxxxx;xx x&xxxx;čx&xxxxxx;xx&xxxxxx;xx 405, 406 xxxx 409, xxxx&xxxxxx; může být xůxxxxx xxx xxxxxxěx&xxxxxx; xxxxxxčx&xxxxxx; rizikové x&xxxxxx;xx. 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; xxxx&xxxxxx;xx&xxxxxx;&xxxxx;, které xxxx x&xxxx;xxxxxxxxxx&xxxxxx;xx xx&xxxxxx;&xxxxxx;xx&xxxxxx; xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx; |
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&xxxxx;x&xxxxxx;xxxxx čx&xxxxxx;xxx&xxxx;405Xxx&xxxxx; xx proměnná xxxxxx&xxxxxx;x&xxxxxx; xx &xxxxx;0,5&xxxxx;, xxxxx xx na xxxxxxxxxxxxx&xxxxxx; xxxxxx, pro xěž xx xxxxčxxxx xxxxxxčx&xxxxxx; xxxxxxx&xxxxxx; x&xxxxxx;xx, xxxxxxxx čl. 405 xxxx.&xxxx;3 xxř&xxxxxx;xxx&xxxxxx; (EU) č.&xxxx;575/2013, xxxx &xxxxx;0&xxxxx;, pokud xx na xě xxxx x&xxxxxx;xxxxx nevztahuje. |
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Xxxx xxř&xxxxxx;xxx&xxxxxx; xxxxxxxx v platnost 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 v celém xxxxxxx x&xxxx;xxxxx xxxxxxxxxx xx xxxxx členských xxxxxxx.
X&xxxx;Xxxxxxx xxx 4. xxxxxx 2014.
Xx Xxxxxx
Xxxx Xxxxxx XXXXXXX
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(1)&xxxx;&xxxx;Xx. xxxx. X 176, 27.6.2013, x.&xxxx;1.
(2) Nařízení Evropského parlamentu x&xxxx;Xxxx (XX) x.&xxxx;1093/2010 xx xxx 24. xxxxxxxxx 2010 x&xxxx;xxxxxxx Xxxxxxxxxx orgánu dohledu (Xxxxxxxxxx orgánu xxx xxxxxxxxxxxx), x&xxxx;xxxxx rozhodnutí x.&xxxx;716/2009/XX x&xxxx;x&xxxx;xxxxxxx rozhodnutí Xxxxxx 2009/78/XX (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. xxxxxx 2006 x&xxxx;xxxxxxxx k činnosti xxxxxxxxx xxxxxxxxx x&xxxx;x&xxxx;xxxxx xxxxxx&xxxx;(Xx. věst. L 177, 30.6.2006, x.&xxxx;1).
(4)&xxxx;&xxxx;xxxx://xxx.xxx.xxxxxx.xx/xxxxxxxxx/10180/106202/Xxxxxxxxxx.xxx.