natgillin/translations-raw huggingface dataset:
Det er vigtigt, at institutterne anvender deres kapital der, hvor det er mest nødvendigt, og at Unionens reguleringsmæssige ramme gør dette lettere, samtidig med at det sikres, at institutterne udviser forsigtighed.
It is important that institutions employ their capital where it is most needed and the Union regulatory framework facilitates their doing so while ensuring that institutions act prudently.
I marts 2020 reviderede Gruppen af Centralbankchefer og Finanstilsynschefer tidsplanen for gennemførelsen af de sidste elementer i Basel III-rammen.
In March 2020, the Group of Central Bank Governors and Heads of Supervision revised the implementation timeline of the final elements of the Basel III framework.
Som følge af krisen er den kvantitative markedsrisikomultiplikator, der anvendes på interne modeller, steget betydeligt.
As a result of the crisis, the quantitative market risk multiplier applied to internal models has increased significantly.
Virksomheder står over for forstyrrelser i forsyningskæderne, midlertidige lukninger og mindre efterspørgsel, mens husholdningerne er konfronteret med arbejdsløshed og et fald i indtægterne.
Businesses are facing disruption in supply chains, temporary closures and reduced demand, while households are confronted with unemployment and a drop in income.
Backtestingkravet er yderst procyklisk i en periode med ekstrem volatilitet, såsom den der er forårsaget af covid-19-pandemien.
The back-testing requirement is highly procyclical in a period of extreme volatility, such as the one caused by the COVID-19 pandemic.
under henvisning til udtalelse fra Det Europæiske Økonomiske og Sociale Udvalg (2) ,
Having regard to the opinion of the European Economic and Social Committee (2) ,
Denne gunstigere behandling finder dog først anvendelse fra den 28. juni 2021.
However, that more favourable treatment only becomes applicable on 28 June 2021.
under henvisning til udtalelse fra Den Europæiske Centralbank (1) ,
Having regard to the opinion of the European Central Bank (1) ,
BCBS indvilligede den 3. april 2020 i at tillade større fleksibilitet i forbindelse med gennemførelsen af de overgangsordninger, som indfaser virkningen af IFRS 9.
The BCBS agreed on 3 April 2020 to allow more flexibility in the implementation of the transitional arrangements that phase-in the impact of IFRS 9.
For at sikre en konsekvent anvendelse af sådanne henstillinger bør de kompetente myndigheder gøre fuld brug af deres tilsynsbeføjelser, herunder beføjelser til at pålægge bindende restriktioner på udlodninger for institutter eller begrænsninger på variabel løn, hvor det er relevant, i overensstemmelse med direktiv 2013/36/EU.
To ensure the consistent application of such recommendations, competent authorities should make full use of their supervisory powers, including powers to impose binding restrictions on distributions for institutions or limitations on variable remuneration, where appropriate, in accordance with Directive 2013/36/EU.
De institutter, der tidligere har besluttet at anvende eller ikke at anvende overgangsordningerne, bør kunne omgøre denne beslutning når som helst i den nye overgangsperiode på betingelse af, at de har fået forudgående tilladelse fra deres kompetente myndighed.
Institutions that have previously decided to use or not to use the transitional arrangements should be able to reverse that decision at any time during the new transitional period, subject to receiving the prior permission of their competent authority.
Som reaktion på covid-19-pandemien har BCBS også udvist en vis fleksibilitet med hensyn til anvendelsen af internationale standarder.
In reaction to the COVID-19 pandemic, the BCBS has also provided some flexibility in the application of international standards.
I Unionen blev revisionen indført ved forordning (EU) 2019/876.
In the Union, the revision was introduced by Regulation (EU) 2019/876.
Institutterne skal dagligt backteste deres interne modeller for at vurdere, om disse modeller skaber tilstrækkelige kapitalkrav til at absorbere tab på handelsbeholdningen.
Institutions are required to back-test their internal models daily to assess whether those models generate sufficient capital requirements to absorb trading book losses.
Disse elementer omfatter bl.a. en ny definition af gearingsgraden og en gearingsgradbuffer, der begge forhindrer institutter i at øge gearingen i overdrevent omfang, samt bestemmelser om en gunstigere tilsynsmæssig behandling af visse softwareaktiver og om en gunstigere behandling af visse lån med sikkerhed i pensioner eller løn, en revideret støttefaktor for lån til små og mellemstore virksomheder (SMV'er) (»SMV-støttefaktoren«) og en støttefaktor for infrastrukturprojekter og en ny justering af kapitalgrundlagskrav for kreditrisiko for eksponeringer mod enheder, der driver eller finansierer fysiske strukturer eller faciliteter, systemer og net, der leverer eller støtter grundlæggende offentlige tjenester (»infrastrukturstøttefaktorerne«).
Those elements include, among other things, a new definition of the leverage ratio and a leverage ratio buffer, both of which prevent institutions from excessively increasing leverage, as well as provisions for the more favourable prudential treatment of certain software assets and for the more favourable treatment of certain loans backed by pensions or salaries, a revised supporting factor for loans to small and medium-sized enterprises (SMEs) (the ‘SME supporting factor'), and a new adjustment to own funds requirements for credit risk for exposures to entities that operate or finance physical structures or facilities, systems and networks that provide or support essential public services (the ‘infrastructure supporting factor').
Denne forordning bør under hensyn til disse hastende justeringer af den tilsynsmæssige ramme træde i kraft dagen efter offentliggørelsen i Den Europæiske Unions Tidende.
Having regard to the urgency of those adjustments to the prudential regulatory framework, this Regulation should enter into force on the day following that of its publication in the Official Journal of the European Union.
efter den almindelige lovgivningsprocedure (3) , og
Acting in accordance with the ordinary legislative procedure (3) ,
Offentlig finansiering gennem udstedelse af statsobligationer, der er denomineret i en anden medlemsstats nationale valuta, kan være nødvendig for at støtte foranstaltninger til at bekæmpe konsekvenserne af covid-19-pandemien.
Public financing through the issuance of government bonds denominated in the domestic currency of another Member State might be necessary to support measures to fight the consequences of the COVID-19 pandemic.
Offentlige myndigheder på EU-niveau og medlemsstatsniveau har truffet afgørende tiltag for at støtte husholdninger og solvente virksomheder, således at de kan modstå denne alvorlige, men midlertidige afmatning i den økonomiske aktivitet og den deraf følgende mangel på likviditet.
Public authorities at Union and Member State level have taken decisive action to support households and solvent undertakings in withstanding the severe but temporary slowdown in economic activity and the resulting liquidity shortages.
Derfor og for at sikre lige vilkår på internationalt plan for institutter, der er etableret i Unionen, og som også driver virksomhed uden for Unionen, bør anvendelsesdatoen for gearingsgradbufferkravet i nævnte forordning udskydes et år til den 1. januar 2023.
Therefore, and in order to ensure a level playing field internationally for institutions established in the Union and operating also outside the Union, the date of application for the leverage ratio buffer requirement set out in that Regulation should be deferred by one year to 1 January 2023.
Under de særlige omstændigheder, som covid-19-pandemien har foranlediget, forventes interessenterne at bidrage til indsatsen hen imod genopretning.
In the exceptional circumstances triggered by the COVID-19 pandemic, stakeholders are expected to contribute to efforts towards recovery.
For at undgå unødvendige begrænsninger for institutter, der investerer i sådanne obligationer, er det hensigtsmæssigt at genindføre overgangsordningerne for eksponeringer mod centralregeringer og centralbanker, hvor disse eksponeringer er denomineret i en anden medlemsstats nationale valuta, for så vidt angår behandlingen af sådanne eksponeringer i henhold til kreditrisikorammen og at forlænge overgangsordningerne for så vidt angår behandlingen af sådanne eksponeringer i henhold til grænserne for store eksponeringer.
To avoid unnecessary constraints on institutions investing in such bonds, it is appropriate to reintroduce the transitional arrangements for exposures to central governments and central banks where those exposures are denominated in the domestic currency of another Member State with respect to the treatment of such exposures under the credit risk framework and to prolong the transitional arrangements with respect to the treatment of such exposures under the large exposure limits.
Hvis anvendelsen af gearingsgradbufferkravet udsættes, vil der i udsættelsesperioden ikke være nogen konsekvenser som følge af manglende opfyldelse af dette krav, jf. artikel 141c i direktiv 2013/36/EU, og ingen relateret udlodningsrestriktion, jf. nævnte direktivs artikel 141b.
With the application of the leverage ratio buffer requirement postponed, during the postponement period there would be no consequences resulting from a failure to meet that requirement as set out in Article 141c of Directive 2013/36/EU and no related restriction on distributions set out in Article 141b of that Directive.
Desuden synes nævnte instruments effektivitet hæmmet af den mindskede fleksibilitet, der følger af den afbødningsmekanisme, der er knyttet til sådanne midlertidige udelukkelser, og som ville begrænse institutternes mulighed for at øge eksponeringer mod centralbanker i en krisesituation.
Moreover, the effectiveness of that instrument appears to be hampered by the reduced flexibility stemming from the offsetting mechanism attached to such temporary exclusions, which would constrain the ability of institutions to increase exposures to central banks in a crisis situation.
Den tilsynsmæssige behandling af visse softwareaktiver blev ændret ved forordning (EU) 2019/876 for yderligere at støtte overgangen til en mere digitaliseret banksektor.
The prudential treatment of certain software assets was amended by Regulation (EU) 2019/876 in order to further support the transition towards a more digitalised banking sector.
Selv om Basel III-rammen vedrørende markedsrisiko giver de kompetente myndigheder mulighed for at udjævne sådanne ekstraordinære hændelser i interne modeller for markedsrisici, er en sådan tilsynsmæssig beslutning ikke fuldt ud til rådighed i henhold til forordning (EU) nr. 575/2013.
While the Basel III framework for market risk allows competent authorities to smoothen such extraordinary events in market risk internal models, such supervisory discretion is not fully available under Regulation (EU) No 575/2013.
Fejl i backtestingkravet, også kendt som overskridelser, vil, hvis de overstiger et vist antal pr. år, medføre, at der anvendes en supplerende kvantitativ multiplikator på kapitalgrundlagskravene vedrørende markedsrisiko beregnet ved hjælp af interne modeller.
Failures in the back-testing requirement, also known as overshootings, if above a certain number per year, would result in an additional quantitative multiplier being applied to the own funds requirements for market risk calculated using internal models.
For at undgå uønskede konsekvenser i forbindelse med afbødningsmekanismen og sikre denne udelukkelses effektivitet i forhold til eventuelle fremtidige chok og kriser bør afbødningsmekanismen derfor ændres.
Therefore, in order to avoid any undesired consequences related to the offsetting mechanism and to ensure the effectiveness of that exclusion in the face of possible future shocks and crises, the offsetting mechanism should be modified.
Det alvorlige økonomiske chok forårsaget af covid-19-pandemien og de ekstraordinære inddæmningsforanstaltninger har haft vidtrækkende konsekvenser for økonomien.
The severe economic shock caused by the COVID-19 pandemic and the exceptional containment measures have had a far-reaching impact on the economy.
Der bør i forbindelse med den fremskyndede udbredelse af digitale tjenester som følge af offentlige foranstaltninger, der er vedtaget for at afhjælpe covid-19-pandemien, ske fremrykning af datoen for anvendelsen af disse ændringer.
In the context of the accelerated uptake of digital services as a consequence of public measures adopted to address the COVID-19 pandemic, the date of application of those changes should be advanced.
Der bør derfor indføres yderligere fleksibilitet for de kompetente myndigheder med henblik på at afbøde de negative virkninger af den ekstreme markedsvolatilitet, der er konstateret under covid-19-pandemien, for at udelukke de overskridelser mellem den 1. januar 2020 og den 31. december 2021, der ikke skyldes mangler i de interne modeller.
Therefore, additional flexibility for competent authorities to mitigate the negative effects of the extreme market volatility observed during the COVID-19 pandemic should be introduced to exclude the overshootings that occurred between 1 January 2020 and 31 December 2021 which are not a result of deficiencies in internal models.
I betragtning af den hastende karakter som følge af de ekstraordinære omstændigheder, der følger af covid-19-pandemien, bør der ske fravigelse af den periode på otte uger, der er omhandlet i artikel 4 i protokol nr. 1 om de nationale parlamenters rolle i Den Europæiske Union, der er knyttet som bilag til traktaten om Den Europæiske Union, traktaten om Den Europæiske Unions funktionsmåde og traktaten om oprettelse af Det Europæiske Atomenergifællesskab.
In view of the urgency entailed by the exceptional circumstances caused by the COVID-19 pandemic, it was considered to be appropriate to provide for an exception to the eight-week period referred to in Article 4 of Protocol No 1 on the role of national Parliaments in the European Union, annexed to the Treaty on European Union, to the Treaty on the Functioning of the European Union and to the Treaty establishing the European Atomic Energy Community.
Institutterne bør efterfølgende og betinget af den kompetente myndigheds forudgående tilladelse have mulighed for at beslutte at ophøre med at anvende overgangsordningerne.
Subsequently, and subject to the prior permission of the competent authority, institutions should have the possibility of deciding to stop using the transitional arrangements.
De kompetente myndigheder vil derfor inden nævnte dato ikke kunne gøre brug af nævnte instrument til at imødegå den stigning i eksponeringer mod centralbanker, som forventes at indtræffe som følge af de pengepolitiske foranstaltninger, der træffes for at afbøde de økonomiske konsekvenser af covid-19-pandemien.
Therefore, before that date, the competent authorities would not be able to make use of that instrument to address the increase in exposures to central banks that is expected to occur as a result of monetary policy measures employed to mitigate the economic impact of the COVID-19 pandemic.
Muligheden for at udelukke sådanne eksponeringer finder dog først anvendelse fra den 28. juni 2021.
However, the discretion to exclude such exposures only becomes applicable on 28 June 2021.
Det er derfor berettiget at bringe kravene til minimumsdækning for misligholdte eksponeringer, der drager fordel af garantier fra nationale regeringer eller andre offentlige enheder, på linje med kravene til misligholdte eksponeringer, der drager fordel af garantier fra officielle eksportkreditagenturer.
It is therefore justified to align the minimum coverage requirements for non-performing exposures that benefit from guarantees granted by national governments or other public entities with those for non-performing exposures that benefit from guarantees granted by official export credit agencies.
På grundlag af erfaringerne fra covid-19-pandemien bør Kommissionen vurdere, om der også bør stilles en sådan fleksibilitet til rådighed under fremtidige tilfælde af ekstrem markedsvolatilitet.
Based on the experience from the COVID-19 pandemic, the Commission should assess whether such flexibility should be made available also during future episodes of extreme market volatility.
Hvis sådan behandling anvendes i forbindelse med covid-19-pandemien, vil det give institutterne et incitament til at øge långivningen til arbejdstagere og pensionister.
The application of such treatment in the context of the COVID-19 pandemic would incentivise institutions to increase lending to employees and pensioners.
Siden forordning (EU) nr. 575/2013 trådte i kraft, er den blevet ændret flere gange for at afhjælpe de resterende svagheder i den reguleringsmæssige ramme for tilsyn og for at gennemføre nogle udestående elementer af den globale reform af finansielle tjenesteydelser, som er afgørende for at sikre institutternes modstandsdygtighed.
Since its entry into force, Regulation (EU) No 575/2013 has been amended several times to address remaining weaknesses in the prudential regulatory framework and to implement some outstanding elements of the global financial services reform that are essential to ensuring the resilience of institutions.
EBA, Den Europæiske Centralbank og andre kompetente myndigheder har udstedt henstillinger til institutter om at suspendere udbyttebetalinger og aktietilbagekøb under covid-19-pandemien.
EBA, the European Central Bank and other competent authorities have issued recommendations for institutions to suspend dividend payments and share buybacks during the COVID-19 pandemic.
Den Europæiske Tilsynsmyndighed (Den Europæiske Banktilsynsmyndighed) (EBA) oprettet ved Europa-Parlamentets og Rådets forordning (EU) nr. 1093/2010 (9) , Den Europæiske Tilsynsmyndighed (Den Europæiske Værdipapir- og Markedstilsynsmyndighed) (ESMA) oprettet ved Europa-Parlamentets og Rådets forordning (EU) nr. 1095/2010 (10) og de kompetente myndigheder har stillet midlertidig kapital, likviditet og driftsmæssig lempelse til rådighed for institutterne for at sikre, at institutterne fortsat kan opfylde deres rolle med hensyn til at finansiere realøkonomien trods det mere udfordrende miljø.
The European Supervisory Authority (European Banking Authority) (EBA) established by Regulation (EU) No 1093/2010 of the European Parliament and of the Council (9) , the European Supervisory Authority (European Securities and Markets Authority) (ESMA) established by Regulation (EU) No 1095/2010 of the European Parliament and of the Council (10) and the competent authorities have provided temporary capital, liquidity and operational relief to institutions to ensure that institutions can continue to fulfil their role in funding the real economy despite the more challenging environment.
BCBS, EBA og ESMA har præciseret, at institutter forventes ikke at anvende deres eksisterende tilgange til forventede kredittab automatisk i ekstraordinære situationer som covid-19-pandemien, men i stedet gøre brug af den fleksibilitet, der er indbygget i IFR 9, f.eks. til at tillægge langsigtede økonomiske tendenser behørig vægt.
The BCBS, EBA and ESMA clarified that institutions are expected not to mechanically apply their existing expected credit loss approaches in exceptional situations such as the COVID-19 pandemic but instead to use the flexibility inherent in IFRS 9, for example to give due weight to long-term economic trends.
I 2017 reviderede BCBS beregningen af eksponeringsværdien bag gearingsgraden af almindelige køb og salg, der endnu ikke er afregnet, for at sikre, at behandlingen korrekt afspejler den indbyggede gearing i forbindelse med disse handler, og at eventuelle regnskabsmæssige forskelle ikke påvirker beregningen mellem institutter med sammenlignelige positioner.
In 2017, the BCBS revised the calculation of the leverage ratio exposure value of regular-way purchases and sales awaiting settlement in order to ensure that the treatment properly reflects the inherent leverage associated with those trades and that possible accounting differences do not affect the calculation among institutions with comparable positions.
Denne reguleringsmæssige tilsynsramme, som blev vedtaget i kølvandet på den finanskrise, der udspillede sig i 2007-2008, og som hovedsagelig er baseret på internationale standarder, der blev vedtaget i 2010 af Baselkomitéen for Banktilsyn (BCBS), kendt som Basel III-rammen, har bidraget til at styrke modstandsdygtigheden hos de institutter, der udøver virksomhed i Unionen, og til at gøre dem bedre rustet til at imødegå potentielle vanskeligheder, herunder vanskeligheder som følge af eventuelle fremtidige kriser.
Adopted in the aftermath of the financial crisis that unfolded in 2007-2008, and largely based on international standards agreed in 2010 by the Basel Committee on Banking Supervision (BCBS), known as the Basel III framework, that prudential regulatory framework has contributed to enhancing the resilience of institutions operating in the Union and to making them better prepared to deal with potential difficulties, including difficulties stemming from possible future crises.
På grundlag af erfaringerne fra covid-19-pandemien bør Kommissionen vurdere, om de kompetente myndigheder bør tillægges yderligere bindende beføjelser til at indføre restriktioner på udlodninger under særlige omstændigheder.
Based on the experience from the COVID-19 pandemic, the Commission should assess whether additional binding powers should be granted to competent authorities to impose restrictions on distributions in exceptional circumstances.
Målet for denne forordning, nemlig at maksimere institutternes evne til at yde lån og til at absorbere tab i forbindelse med covid-19-pandemien, samtidig med at sådanne institutters modstandsdygtighed fortsat sikres, kan ikke i tilstrækkelig grad opfyldes af medlemsstaterne, men kan på grund af dets omfang og virkninger bedre nås på EU-plan; Unionen kan derfor vedtage foranstaltninger i overensstemmelse med nærhedsprincippet, jf. artikel 5 i traktaten om Den Europæiske Union.
Since the objective of this Regulation, namely maximising the capacity of institutions to lend and to absorb losses related to the COVID-19 pandemic, while still ensuring the continued resilience of such institutions, cannot be sufficiently achieved by the Member States but can rather, by reason of its scale and effects, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union.
Hvad angår lån, der ydes af kreditinstitutter til pensionister eller arbejdstagere med en tidsubegrænset kontrakt mod en ubetinget overførsel af en del af låntagerens pension eller løn til det pågældende kreditinstitut, blev artikel 123 i forordning (EU) nr. 575/2013 ændret ved forordning (EU) 2019/876 for at give mulighed for en gunstigere behandling af sådanne lån.
Regarding loans granted by credit institutions to pensioners or employees with a permanent contract against the unconditional transfer of part of the borrower's pension or salary to that credit institution, Article 123 of Regulation (EU) No 575/2013 was amended by Regulation (EU) 2019/876 to allow for the more favourable treatment of such loans.
Selv om de fleste af de sidste elementer stadig mangler at blive gennemført i EU-retten, er gearingsgradbufferkravet for globale systemisk vigtige institutter allerede blevet gennemført ved de ændringer, der blev indført ved forordning (EU) 2019/876.
While most of the final elements still need to be implemented in Union law, the leverage ratio buffer requirement for global systemically important institutions has already been implemented through the amendments introduced by Regulation (EU) 2019/876.