Traduction de «Clientèle bancaire » (Français → Anglais) :

Referring to the specific issue of bank accounts, as part of the Single Market Review package, the Commission announced its policy plans to facilitate customer mobility in relation to bank accounts thereby also promoting competition and efficiency.

What data does the Commission have available, particularly in relation to Greece, concerning the charges for transnational card transactions, the high commissions in respect of payment cards, cooperation among banks of an anti-competitive nature, and methods of ‘tying’ customers to particular credit institutions?

Where the payment service provider of the payer is situated outside the territory of the Community, enhanced customer due diligence should be applied, in accordance with Directive 2005/60/EC, in respect of cross-border correspondent banking relationships with that payment service provider.

It should be possible to apply simplified customer due diligence procedures to products and related transactions in limited circumstances, for example where the benefits of the financial product in question cannot generally be realised for the benefit of third parties and those benefits are only realisable in the long term, such as some investment insurance policies or savings products, or where the financial product aims at financing physical assets in the form of leasing agreements in which the legal and beneficial title of the underlying asset remains with the leasing company or in the form of low value consumer credit, provided the t ...[+++]ransactions are carried out through bank accounts and are below an appropriate threshold.

12. Welcomes the numerous improvements obtained in the course of negotiations as regards financing conditions for SMEs; in particular, regards as an important step the inclusion of lending to SMEs up to a ceiling of EUR 1 million in the regulatory retail portfolio; calls on the Commission to ascertain, however, whether the ceiling should be higher than EUR 1 million; stresses that the introduction of an additional quantitative granularity criterion (0.2% limit) would constitute an unjustified and unnecessary charge on smaller banks" transactions with SMEs; to facilitate SME financing, calls on national regulatory authorities and banking supervision authori ...[+++]ties to refrain from imposing formal data protection and banking secrecy obligations that would make it inordinately difficult for groups of credit institutions, while remaining independent, to form SME retail pools; calls for the risk weightings for SMEs to be reduced further via the retail loan threshold;

(a) loans and advances to credit institutions and customers (Assets items 3 and 4) and debt securities, shares and other variable-yield securities included in Assets items 5 and 6 which are neither held as financial fixed assets as defined in Article 35 (2) not included in a trading portfolio to be shown at a value lower than that which would result from the application of Article 39(1) of Directive 78/660/EEC, where that is required by the prudence dictated by the particular risks associated with banking.