On the basis of an evaluation of the risk-management processes , of the risk loss data bases and internal control mechanisms of the electronic money institution , the competent authorities may require the electronic money institution to hold an amount of own funds which is up to 20 % higher than the amount which would result from the application of the method chosen in accordance with paragraph 2 , or permit the electronic money institution to hold an amount of own funds which is up to 20 % lower than the amount which would result from the application of the method chosen in accordance with paragraph 2 .
Pädevad asutused võivad riskijuhtimise menetluste , riskikontrolli andmebaasi ja elektronrahaasutuse sisekontrollimehhanismide hinnangust lähtuvalt nõuda , et elektronrahaasutusel oleks vastavalt lõikele 2 valitud meetodi kohaldamisel saadud omavahendite summast kuni 20 % rohkem omavahendeid või lubada elektronrahaasutusel tegutseda vastavalt lõikele 2 valitud meetodi kohaldamisel saadud omavahendite summast kuni 20 % väiksemate omavahenditega .