FrancophonIA/DGT-Translation_Memory huggingface dataset:
English: The second level of aggregation is carried out by the NCBs. They aggregate the interest rates and related amounts of business for all their national reporting agents to a national weighted average interest rate for each instrument category.
Spanish: El segundo nivel de agregación lo efectuarán los BCN, que agregarán los tipos de interés y el volumen correspondiente de las operaciones de todos sus agentes informadores nacionales en un tipo de interés medio ponderado nacional para cada categoría de instrumentos.
English: NCBs that choose a sampling approach for the selection of the reporting agents provide an estimate of the sampling error for the initial sample. A new estimate is provided after each maintenance of the sample.
Spanish: Los BCN que sigan un método de muestreo para seleccionar a los agentes informadores facilitarán una estimación del error de muestreo para la muestra inicial y otra estimación después de cada revisión de la muestra.
English: The maturity of both components may be the same or may differ. The AAR on new business covers the interest rate for the deposit with agreed maturity, as it reflects the agreement between the depositor and the reporting agent and it is known when the money is placed.
Spanish: El vencimiento de ambos componentes puede ser el mismo o no. En el TCA de las operaciones nuevas se reflejará el tipo de interés del depósito a plazo, pues en él se manifiesta el acuerdo entre el depositante y el agente informador y se conoce cuando se hace el depósito.
English: National central banks (NCBs) may require their reporting agents to provide the narrowly defined effective rate (NDER) for all or some deposit and loan instruments referring to new business and outstanding amounts, instead of the AAR. The NDER is defined as the interest rate, on an annual basis, that equalises the present value of all commitments other than charges (deposits or loans, payments or repayments, interest payments), future or existing, agreed by the reporting agents and the household or non-financial corporation.
Estonian: Riikide keskpangad (RKPd) võivad nõuda, et andmeesitajad esitaksid kõigi või osa uue tegevuse ja bilansilise jäägiga seotud hoiuste ja laenude rahastamisvahendite puhul AAR asemel kitsalt määratletud efektiivse intressimäära (narrowly defined effective rate NDER).NDER on aastapõhine intressimäär, mis võrdub kõigi tulevaste või olemasolevate kohustuste (hoiused või laenud, maksed või tagasimaksed, intressimaksed) kehtiva väärtusega, v.a kulutused, mille on omavahel kokku leppinud andmeesitaja ning kodumajapidamine või kaupu ja mittefinantsteenuseid tootev ettevõte.
English: The NDER is equivalent to the interest rate component of the annual percentage rate of charge (APRC) as defined in Article 3(i) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC [1]. The only difference between the NDER and the AAR is the underlying method for annualising interest payments.
Estonian: NDER võrdub krediidi kulukuse aastamäära intressimäärakomponendiga (annual percentage rate of charge, APRC), mis on määratletud Euroopa Parlamendi ja nõukogu 23. aprilli 2008. aasta direktiivi 2008/48/EÜ (mis käsitleb tarbijakrediidilepinguid ja millega tunnistatakse kehtetuks nõukogu direktiiv 87/102/EMÜ) [1].artikli 3 punktis i. Ainus erinevus NDERi ja AARi vahel seisneb kasutatavas intressimaksete aastapõhiseks muutmise meetodis.
English: In addition, at the time the deposit is placed, an interest rate is agreed between the household and the credit or other institution which applies only to the deposit part; this does not apply to the part invested in securities. Hence, only the deposit part that is not invested in securities is covered by MFI interest rate statistics.
Estonian: Hoiustamise ajal ei lepita kodumajapidamise ja krediidiasutuse või muu asutuse vahel kokku väärtpaberitesse paigutatud osa intressimäära, vaid ainult ülejäänud hoiuseosa intressimäär Seega hõlmab RA intressimäärade statistika ainult seda hoiuseosa, mis ei ole paigutatud väärtpaberitesse.
English: Saving deposits with a basic interest rate plus a fidelity and/or growth premium may exist. At the time the deposit is placed, it is not certain whether or not the premium will be paid.
Finnish: Rahalaitoksissa voi olla säästötalletuksia, joista maksetaan perustana olevaa korkoa lisättynä uskollisuus- ja/tai kasvupalkkiolla.Talletusta tehtäessä ei ole varmaa, maksetaanko palkkio vai ei.
Slovenian: Obstajajo lahko hranilne vloge s temeljno obrestno mero, povečano za premijo za zvestobo in/ali za povečanjeV času vplačila vloge ni gotovo, ali bo premija izplačana ali ne.
English: Former new business indicator Loans in EUR
Finnish: Aiempi uutta liiketoimin-taa kuvaava indikaattori
English: The precondition is that the NCB has a full list of branches that covers all the business of the credit and other institutions in the stratum, and has appropriate data in order to assess the variance of interest rates on new business vis-à-vis households and non-financial corporations across branches. For the selection and maintenance of the branches all of the requirements laid down in this Annex apply.
Latvian: Šajā gadījumā priekšnosacījums ir tāds, ka VCB rīcībā būtu jābūt pilnam filiāļu sarakstam, kas aptver visus attiecīgā strata kredītiestāžu un pārējo iestāžu darījumus, un atbilstīgiem datiem, lai novērtētu novirzi attiecībā uz procentu likmēm, kas piemērotas jaunajos darījumos ar mājsaimniecībām un nefinanšu sabiedrībām visās filiālēs.
English: Therefore, if a sampling approach is chosen for selecting the reporting agents, expansion factors are used at national level to derive the population total [7]. The expansion factors are the inverse of the selection probabilities πi, i.e. 1/πi.
Latvian: Tad, izmantojot šādu vispārēju formulu, aprēķina jauno darījumu summas aplēsi kopējai grupai [7] :
Maltese: Għalhekk, jekk jintgħażel il-metodu tal-kampjuni biex jintgħażlu l-aġenti tar-rappurtar, jintużaw fatturi t’espansjoni fuq livell nazzjonali biex jiġi dedott it-total tal-popolazzjoni [7]Il-fatturi t’espansjoni huma l-kuntrarju tal-għażla tal-probabbiltajiet πi, jiġifieri 1/πi.
English: Bad loans are defined in accordance with Annex II to Regulation (EC) No 25/2009 of the European Central Bank of 19 December 2008 concerning the balance sheet of the monetary financial institutions sector (recast) (ECB/2008/32) [3]. The total amount of a loan partially or totally classified as a bad loan is excluded from interest rates statistics.
Maltese: Self ħażin huwa ddefinit skont l-Anness II mar-Regolament (KE) Nru 25/2009 tal-Bank Ċentrali Ewropew tad-19 ta’ Diċembru 2008 dwar il-karta tal-bilanċ tas-settur tal-istituzzjonijiet finanzjarji monetarji (ifformulat mill-ġdid) (BĊE/2008/32) [3].L-ammont totali ta’ self ikklassifikat parzjalment jew totalment bħala self ħażin huwa eskluż mill-istatistika tar-rati tal-imgħax.
English: Appendices 1 and 2 therefore distinguish between indicators vis-à-vis households (including non-profit institutions serving households) [4] and vis-à-vis non-financial corporations [5]. In addition, separate data is reported for sole proprietors/unincorporated partnerships as part of households, but only in respect of new business for ‘other purposes’.
Maltese: Għalhekk l-Appendiċi 1 u 2 jiddistingwixxu bejn indikaturi fil-konfront ta’ households (inklużi istituzzjonijiet bla qligħ li jservu lil households) [4]u fil-konfront ta’ korporazzjonijiet mhux finanzjarji [5]Barra minn dan, data separata hija rrappurtata għal sole proprietors/soċjetajiet mhux korporati bħala parti mill-households, imma biss fir-rigward ta’ negozju ġdid għal “għanijiet oħra”.
English: The following periods of initial rate fixation are distinguished for loans to non-financial corporations up to EUR 0,25 million, over EUR 0,25 million up to EUR 1 million and over EUR 1 million: floating rate and up to (and including) three months initial rate fixation,
Maltese: Il-perijodi li ġejjin tal-fissazzjoni tar-rata inizjali huma distingwibbli għas-self lil korporazzjonijiet mhux finanzjarji sa EUR 0,25 miljun, ta’ aktar minn EUR 0,25 miljun u sa EUR 1 miljun u ta’ aktar EUR 1 miljun:
English: They aggregate the interest rates and related amounts of business for all their national reporting agents to a national weighted average interest rate for each instrument category. The data are reported to the European Central Bank (ECB).
Dutch: Zij voegen de rentetarieven en de daarmee samenhangende bedragen aan contracten voor al hun nationale informatieplichtigen samen tot een nationaal gewogen gemiddeld rentetarief voor elke categorie instrumenten De gegevens worden aan de Europese Centrale bank (ECB) gerapporteerd.
English: OJ L 177, 30.6.2006, p. 1. [7] No expansion factors are required for the weighted average interest rates if the estimate from the sample is considered to equal the estimate for the entire potential reporting population (e.g. because all business in the instrument concerned is done by the sampled institutions).
Dutch: Ophogingsfactoren zijn niet vereist voor de gewogen gemiddelde rentetarieven, waarbij wordt aangenomen dat de schatting uit de steekproef de schatting voor de gehele potentiële populatie van informatieplichtigen is (bv. omdat alle werkzaamheden in het betreffende instrument worden uitgevoerd door de instellingen van de steekproef).
English: The weighted average interest rate is the sum of the AAR multiplied by the corresponding outstanding amounts and divided by the total outstanding amounts. It covers all outstanding contracts that have been agreed in all the periods prior to the reference date.
Portuguese: A taxa de juro média ponderada representa a soma da TAA multiplicada pelos respectivos saldos e dividida pelo total dos saldos, cobrindo todos os contratos pendentes acordados entre as partes em todos os períodos anteriores à data de referência.
English: The interest rates for overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts reflect the weighted average interest rate applied to the stock on these accounts at the time reference point as defined in paragraph 29. They cover the current balance sheet positions of all outstanding contracts that have been agreed in all the periods prior to the reference date.
Portuguese: As taxas de juro dos depósitos overnight, dos depósitos reembolsáveis com pré-aviso, da dívida de cartão de crédito e dos empréstimos renováveis e descobertos devem reflectir a taxa de juro média ponderada sobre o stock destas contas no momento de referência definido no n.o 29, cobrindo as posições do balanço actuais de todos os contratos pendentes acordados em todos os períodos anteriores à data de referência.
English: The reporting agents report weighted average interest rates referring to the credit balances as overnight deposits and weighted average interest rates referring to the debit balances as overdrafts. They do not report weighted average interest rates combining (low) overnight deposit rates and (high) overdraft rates.
Portuguese: Os agentes inquiridos devem reportar as taxas de juro médias ponderadas sobre os saldos credores como depósitos overnight, e as taxas de juro médias ponderadas sobre os saldos devedores como descobertos, não devendo reportar taxas de juro médias ponderadas que combinem taxas de juro de depósitos overnight (baixas) com taxas de juro de descobertos (altas).
English: For other loans to non-financial corporations, i.e. indicators 37 to 54 and 62 to 85 in Appendix 2, three categories of amounts are distinguished: (a) ‘up to and including EUR 0,25 million’; (b) ‘over EUR 0,25 million up to and including EUR 1 million’; and (c) ‘over EUR 1 million’. The amount refers to the single loan transaction considered as new business, rather than to all business between the non-financial corporation and the reporting agent.
Portuguese: Relativamente aos outros empréstimos a sociedades não financeiras, ou seja, os indicadores 37 a 54 e 62 a 85 do apêndice 2, deve fazer-se a distinção entre três categorias de valor: a) “até ao valor de 250 mil euros”; b) “de valor entre 250 mil e 1 milhão de euros” e c) “de valor superior a 1 milhão de euros” Cada montante deve referir-se a uma única operação de empréstimo considerada como nova operação, e não à totalidade das operações entre a sociedade não financeira e o agente inquirido.
Slovenian: Za druga posojila nefinančnim družbam, tj. kazalniki od 37 do 54 in od 62 do 85 iz Dodatka 2, se razlikujejo tri kategorije: (a) ‘do vključno 0,25 milijona EUR’; (b) ‘od 0.25 milijona EUR do vključno 1 milijona EUR’;’; in (c) ‘nad 1 milijonom EUR’.Znesek se nanaša na posamični posojilni posel, ki se šteje za novi posel, ne pa na vse posle med nefinančno družbo in poročevalsko enoto.
English: Such an umbrella contract is not covered by MFI interest rate statistics. However, as soon as a loan agreed under an umbrella contract is drawn, it is covered under the corresponding item in MFI interest rate statistics, both in new business and outstanding amounts.
Romanian: Cu toate acestea, imediat ce se retrage o sumă în baza unui credit acordat în temeiul unui contract-cadru, acesta este inclus la poziția corespunzătoare în statisticile privind ratele dobânzilor practicate de IFM, atât ca un contract nou, cât și în solduri.
English: The type of rate that reporting agents provide for all instrument categories of deposits and loans referring to new business and outstanding amounts is the annualised agreed rate (AAR). It is defined as the interest rate that is individually agreed between the reporting agent and the household or non-financial corporation for a deposit or loan, converted to an annual basis and quoted in percentages per annum.
Slovenian: Vrsta obrestne mere, ki jo poročevalske enote poročajo za vse kategorije instrumentov za vloge in posojila, ki se nanašajo na nove posle in stanja zadolženosti, jeanualizirana dogovorjena obrestna mera (annualised agreed rate AAR).Opredeli se kot obrestna mera, ki se posamično dogovori med poročevalsko enoto in gospodinjstvom ali nefinančno družbo za vlogo ali posojilo, preračunana na letno osnovo in izraženo/a v odstotkih na leto.
English: An example of a step-up deposit is a deposit with an agreed maturity of four years, which receives 5 % interest in the first year, 7 % in the second, 9 % in the third and 13 % in the fourth. The AAR on new business, which is covered at time t0 in MFI interest rate statistics, is the geometric average of the factors ‘1 + interest rate’.
Slovenian: Primer naraščajoče vloge je vezana vloga za štiri leta, ki se v prvem letu obrestuje po stopnji 5 %, v drugem po 7 % , v tretjem po 9 % in v četrtem po 13 %.
English: As a convention, such fidelity or growth premiums are not included in the AAR on new business. The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time of calculation of MFI interest rates.
Slovenian: Takšne premije za zvestobo ali za povečanje po dogovoru niso vključene v AAR za nove posle.AAR za stanje zadolženosti vedno vključuje obrestne mere, ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI.