natgillin/translations-raw huggingface dataset:
Ejendommens værdi skal overvåges regelmæssigt og mindst en gang om året.
The value of the property shall be monitored on a frequent basis and at a minimum once every year.
Der skal foretages en hyppigere overvågning, når markedssituationen er præget af betydelige forandringer.
More frequent monitoring shall be carried out where the market is subject to significant changes in conditions.
Der kan anvendes statistiske metoder til at overvåge ejendommens værdi og til at identificere, hvilke ejendomme der skal overvåges.
Statistical methods may be used to monitor the value of the property and to identify property that needs revaluation.
Ejendommen skal vurderes af en uafhængig valuar, når der foreligger oplysninger, der godtgør, at ejendommens værdi kan være faldet betydeligt i forhold til markedsprisen.
The property shall be valued by an independent valuer when information indicates that the value of the property may have declined materially relative to general market prices.
Ved lån, der overstiger 3 mio. EUR eller 5 % af kreditinstituttets egenkapital, skal ejendommen vurderes af en uafhængig valuar mindst hvert tredje år.
For loans exceeding EUR 3 million or 5% of the own funds of the credit institution, the property shall be evaluated by an independent valuer at least every three years.
Ejendommens værdi skal overvåges regelmæssigt og mindst en gang om året , når det drejer sig om erhvervsejendomme, og mindst hvert tredje år, når det drejer sig om beboelse s ­ejendomme .
The value of the property shall be monitored on a frequent basis and at a minimum once every year for commercial real estate and once every three years for residential real estate .
Ejendomsvurderingen skal revideres af en uafhængig valuar, når der foreligger oplysninger, der godtgør, at ejendommens værdi kan være faldet betydeligt i forhold til markedsprisen.
The property valuation shall be reviewed by an independent valuer when information indicates that the value of the property may have declined materially relative to general market prices.
Ved lån, der overstiger 3 mio. EUR eller 5 % af kreditinstituttets egenkapital, skal ejendomsvurderingen revideres af en uafhængig valuar mindst hvert tredje år.
For loans exceeding EUR 3 million or 5% of the own funds of the credit institution, the property valuation shall be reviewed by an independent valuer at least every three years.
Ordføreren tilslutter sig Rådets forslag om at forlænge vurderingshyppigheden for beboelsesejendomme fra et til tre år.
Your rapporteur endorses the Council’s amendment increasing the minimum valuation review period for residential real estate from one to three years.
Desuden foreslår Rådet, at det for lån, som overstiger 3 mio. EUR eller 5 % af kreditinstituttets ejenkapital, kan undlades at foretage en obligatorisk vurdering ved en valuar hvert tredje år, og at det skal først undersøges, om en nyvurdering i det hele taget er nødvendig.
Furthermore, as the Council proposes, loans in excess of EUR 3 million or 5% of the own capital of a credit institution, should be exempted from the requirement of a three-yearly valuation by an external assessor, and it should first be established whether a revaluation is in fact necessary.
Bilag VIII, del 2, punkt 9, litra a, nr. iv
Annex VIII, Part 2, paragraph 9, point (a), point (iv)
iv) Aftalerne om sikkerhedsstillelse skal være behørigt dokumenterede med en entydig og solid procedure for inddrivelse af sikkerhedsstillelsen.
(iv) The collateral arrangements must be properly documented, with a clear and robust procedure for the timely collection of collateral.
Kreditinstitutternes procedurer skal sikre, at alle juridiske krav vedrørende kundens misligholdelse af betingelserne samt rettidig inddrivelse af sikkerhedsstillelsen, overholdes.
Credit institutions procedures shall ensure that any legal conditions required for declaring the default of the customer and timely collection of collateral are observed.
Hvis låntager får økonomiske problemer eller misligholder aftalen, skal kreditinstituttet have juridisk bemyndigelse til at sælge eller overføre fordringerne til tredjemand uden låntagers samtykke.
In the event of the borrower’s financial distress or default, the credit institution shall have legal authority to sell or assign the receivables to other parties without consent of the receivables obligors.
Kreditinstitutternes procedurer skal sikre, at alle juridiske krav vedrørende låntagers misligholdelse af betingelserne samt rettidig inddrivelse af sikkerhedsstillelsen, overholdes.
Credit institutions procedures shall ensure that any legal conditions required for declaring the default of the borrower and timely collection of collateral are observed.
Den af Rådet foreslåede præcisering og forbedring af konsekvensen i teksten hilses velkommen.
The Council’s proposed clarification and improvement in the consistency of the text is hereby endorsed.
Bilag VIII, del 2, punkt 9, litra b, nr. ii
Annex VIII, Part 2, paragraph 9, point (b), point (ii)
(ii) Forskellen mellem engagementets størrelse og fordringens værdi skal afspejle alle relevante faktorer, herunder udgifterne til inddrivelse, koncentrationen inden for den samlede pulje af fordringer, som er pantsat af en enkelt låntager, samt den potentielle koncentrationsrisiko inden for kreditinstituttets samlede engagementer, som falder uden for den del, der styres ved hjælp af kreditinstituttets overordnede metode.
(ii) The margin between the amount of the exposure and the value of the receivables must reflect all appropriate factors, including the cost of collection, concentration within the receivables pool pledged by an individual borrower, and potential concentration risk within the credit institution’s total exposures beyond that controlled by the credit institution’s general methodology.
Kreditinstituttet skal løbende foretage tilsyn, der er relevante i forhold til fordringerne.
The credit institution must maintain a continuous monitoring process appropriate to the receivables.
Der skal føres tilsyn med, at kreditinstituttets samlede koncentrationsgrænser overholdes.
Observance of the credit institution’s overall concentration limits shall be monitored.
Desuden skal der regelmæssigt føres tilsyn med overholdelsen af låneaftaler, miljørestriktioner og andre juridiske krav.
Additionally, compliance with loan covenants, environmental restrictions, and other legal requirements shall be reviewed on a regular basis.
Furthermore, though there can be concentrations in the underlying parties on whom a bank's client has a claim, it is impossible for an international bank with many different legal entities and systems to combine the data of the receivable issuers to identify these concentrations.
Furthermore, though there can be concentrations in the underlying parties on whom a bank’s client has a claim, it is impossible for an international bank with many different legal entities and systems to combine the data of the receivable issuers to identify these concentrations.
Bilag VIII, del 2, punkt 10, litra a
Annex VIII, Part 2, paragraph 10, point (a)
a) aftalen om sikkerhedsstillelsen skal have retsgyldighed under al gældende lovgivning og give kreditinstituttet mulighed for at realisere formuegodets værdi inden for en rimelig tidsramme
(a) The collateral arrangement shall be legally enforceable under all applicable laws and shall enable the credit institution to realise the value of the property within a reasonable timeframe.
a) aftalen om sikkerhedsstillelsen skal være retsgyldig og kunne håndhæves inden for alle rel e vante jurisdiktioner og give kreditinstituttet mulighed for at realisere formuegodets værdi inden for en rimelig tidsramme
(a) The collateral arrangement shall be legally effective and enforceable in all relevant jurisdictions and shall enable the credit institution to realise the value of the property within a reasonable timeframe.
Bilag VIII, del 2, punkt 10, litra f
Annex VIII, Part 2, paragraph 10, point (f)
(f) kreditinstituttets kreditpolitikker med hensyn til transaktionsstrukturen skal omfatte hensigtsmæssige krav til sikkerhedsstillelse vedrørende engagementet, mulighed for hurtigt at realisere sikkerhedsstillelsen, mulighed for objektivt at fastsætte en pris eller en markedsværdi, den hyppighed, hvormed værdien hurtigt kan fastsættes (herunder en professionel vurdering eller værdiansættelse) samt volatiliteten i værdien af sikkerhedsstillelsen
(f) The credit institution’s credit policies with regard to the transaction structure shall address appropriate collateral requirements relative to the exposure amount, the ability to liquidate the collateral readily, the ability to establish objectively a price or market value, the frequency with which the value can readily be obtained (including a professional appraisal or valuation), and the volatility of the value of the collateral.
(f) kreditinstituttets kreditpolitikker med hensyn til transaktionsstrukturen skal omfatte hensigtsmæssige krav til sikkerhedsstillelse vedrørende engagementet, mulighed for hurtigt at realisere sikkerhedsstillelsen, mulighed for objektivt at fastsætte en pris eller en markedsværdi, den hyppighed, hvormed værdien hurtigt kan fastsættes (herunder en professionel vurdering eller værdiansættelse) samt volatiliteten eller en proxy for volatiliteten i værdien af sikkerhedsstillelsen
(f) The credit institution’s credit policies with regard to the transaction structure shall address appropriate collateral requirements relative to the exposure amount, the ability to liquidate the collateral readily, the ability to establish objectively a price or market value, the frequency with which the value can readily be obtained (including a professional appraisal or valuation) , and the volatility or a proxy of the volatility of the value of the collateral.
Bilag VIII, del 2, punkt 11, litra b
Annex VIII, Part 2, paragraph 11, point (b)
b) leasinggiver skal udføre en forsvarlig risikostyring med hensyn til aktivets placering, anvendelse, alder og planlagte forældelse
(b) There shall be robust risk management on the part of the lessor with respect to the location of the asset, the use to which it is put, its age, and planned obsolescence ;
(b) leasinggiver skal udføre en forsvarlig risikostyring med hensyn det leasede formuegodes anvendelse, alder og planlagte forældelse , herunder en passende overvågning af sikkerhedsstillelsens værdi
(b) There shall be robust risk management on the part of the lessor with respect to the use to which the leased asset is put, its age, and planned duration of use, including appropriate monitoring of the value of the security ;
Bilag VIII, del 2, punkt 11, litra d
Annex VIII, Part 2, paragraph 11, point (d)
d) forskellen mellem afskrivningstakten for det fysiske aktiv og tilbagebetalingen af leasingydelserne må ikke være så stor, at kreditrisikoreduktionen for de leasede aktiver overdrives.
(d) The difference between the rate of depreciation of the physical asset and the rate of amortisation of the lease payments must not be so large as to overstate the credit risk mitigation attributed to the leased assets.
(d) såfremt det ikke allerede er konstateret ved beregningen af LGD, må forskellen mellem værdien af det uindfriede beløb og sikkerhedsstillelsens markedsværdi ikke være så stor, at kreditrisikoreduktionen for de leasede aktiver overdrives.
(d) where this has not already been ascertained in calculating the LGD level, the difference between the value of the unamortised amount and the market value of the security must not be so large as to overstate the credit risk mitigation attributed to the leased assets.
Bilag VIII, del 2, punkt 12, litra a
Annex VIII, Part 2, paragraph 12, point (a)
a) långivers fordring på tredjemanden pantsættes frit eller overføres til det långivende kreditinstitut
(a) The borrower’s claim against the third party institution is openly pledged or assigned to the lending credit institution;
a) långivers fordring på tredjemanden pantsættes frit eller overføres til det långivende kreditinstitut , og denne pantsætning eller overførsel er retsgyldig og kan håndhæves inden for a l le relevante jurisdiktioner
(a) The borrower’s claim against the third party institution is openly pledged or assigned to the lending credit institution and such pledge or assignment is legally effective and enforceable in all relevant jurisdictions ;
Bilag VIII, del 2, punkt 13, litra c
Annex VIII, Part 2, paragraph 13, point (c)
c) selskabet, der udsteder livsforsikringen, underrettes om pantsætningen eller overførslen og kan som følge heraf ikke ophæve kontrakten eller udbetale forfaldne beløb i henhold til kontrakten uden det långivende kreditinstituts samtykke
(c) the company providing the life insurance is notified of the pledge or assignment and as a result may not cancel the contract or pay amounts payable under the contract without the consent of the lending credit institution;
c) selskabet, der udsteder livsforsikringen, underrettes om pantsætningen eller overførslen og kan som følge heraf ikke udbetale forfaldne beløb i henhold til kontrakten uden det långivende kreditinstituts samtykke
(c) the company providing the life insurance is notified of the pledge or assignment and as a result may not pay amounts payable under the contract without the consent of the lending credit institution;
Bilag VIII, del 2, punkt 13, litra d
Annex VIII, Part 2, paragraph 13, point (d)
d) policen skal have en indberettet tilbagekøbsværdi, som ikke kan nedskrives
(d) the policy must have a declared surrender value which is a non-reducible amount;
d) tilbagekøbsværdien af forsikringen kan ikke nedskrives
(d) the declared surrender value of the policy is non-reducible;
Bilag VIII, del 2, punkt 13, litra g
Annex VIII, Part 2, paragraph 13, point (g)
g) kreditrisikoafdækningen skal være gældende i hele lånets løbetid , og
(g) the credit protection must be provided for the maturity of the loan; and
(g) kreditrisikoafdækningen skal være gældende i hele lånets løbetid .
(g) the credit protection must be provided for the maturity of the loan.
Såfremt dette ikke er muligt, fordi forsikringsforholdet ophører, inden kreditengagementet udløber, skal kreditinstituttet sikre, at det fra forsikringsaftalen hidrørende beløb tjener som sikkerhed for kreditinstituttet indtil udløbet af kreditaftalen
Where this is not possible because the insurance relationship ends before the loan relationship expires, the credit institution must ensure that the amount deriving from the insurance contract serves the credit institution as security until the end of the duration of the credit agreement ; and
Bilag VIII, del 2, punkt 13, litra h
Annex VIII, Part 2, paragraph 13, point (h)
h) pantet skal have retskraft i alle relevante retsområder.
(h) the pledge must be legally enforceable in all relevant jurisdictions.
h) pantet eller overførslen skal være retsgyldig og kunne håndhæves i alle relevante retsområder på tidspunktet for indgåelse af kreditaftalen .
(h) the pledge or assignment must be legally effective and enforceable in all relevant jurisdictions relevant at the time of the conclusion of the credit agreement .
Bilag VIII, del 2, punkt 14, litra d
Annex VIII, Part 2, paragraph 14, point (d)
d) den skal have retskraft i alle relevante retsområder.
(d) It must be legally enforceable in all relevant jurisdictions.
d) den skal være retsgyldig og kunne håndhæves i alle relevante retsområder på tidspunktet for indgåelse af kreditaftalen .
(d) It must be legally effective and enforceable in all relevant jurisdictions relevant at the time of the conclusion of the credit agreement .
Bilag VIII, del 2, punkt 16, indledning
Annex VIII, Part 2, paragraph 16, introductory part
Når et engagement er afdækket af en sikkerhedsstillelse, som har en modgaranti fra en centralregering eller en centralbank, regionalregeringer eller lokale myndigheder, for hvilke fordringer behandles som fordringer på den stat, på hvis område de er etableret i henhold til artikel 78-83, en multilateral udviklingsbank, for hvilken der anvendes en 0 % risikovægtning i henhold til artikel 78-83, eller en offentlig institution, for hvilken fordringer behandles som fordringer på kreditinstitutter i henhold til artikel 78-83, kan engagementet behandles som værende afdækket af en sikkerhedsstillelse udstedt af den pågældende institution, når følgende betingelser er opfyldt:
Where an exposure is protected by a guarantee which is counter-guaranteed by a central government or central bank, a regional government or local authority claims on which are treated as claims on the sovereign in whose jurisdiction they are established under Articles 78 to 83, a multi-lateral development bank to which a 0% risk weight is applied under or by virtue of Articles 78 to 83, or a public sector entity claims on which are treated as claims on credit institutions under Articles 78 to 83, the exposure may be treated as protected by a guarantee provided by the entity in question provided the following conditions are satisfied:
The three conditions specified at the end of the paragraph, and in particular the requirement for competent authorities to be satisfied ensures in all admissible cases that any chosen technical means does not create any prudential concern.
The three conditions specified at the end of the paragraph, and in particular the requirement for competent authorities to be satisfied ensures in all admissible cases that any chosen technical means does not create any prudential concern.
Bilag VIII, del 2, punkt 17, litra a
Annex VIII, Part 2, paragraph 17, point (a)
a) hvis modparten misligholder aftalen eller undlader at betale, skal det långivende kreditinstitut have ret til i tide at retsforfølge garantistilleren for alle skyldige beløb under fordringen, for hvilken der er stillet sikkerhed.
(a) On the qualifying default / non-payment of the counterparty, the lending credit institution shall have the right to pursue, in a timely manner, the guarantor for any monies due under the claim in respect of which the protection is provided.
Garantistillerens betaling må ikke være betinget af, at det långivende kreditinstitut først er nødt til at retsforfølge låntager
Payment by the guarantor shall not be subject to the lending credit institution first having to pursue the obligor.
a) hvis modparten misligholder aftalen og/eller undlader at betale, skal det långivende kreditinstitut have ret til i tide at retsforfølge garantistilleren for alle skyldige beløb under fordringen, for hvilken der er stillet sikkerhed.
(a) On the qualifying default of and/or non-payment by the counterparty, the lending credit institution shall have the right to pursue, in a timely manner, the guarantor for any monies due under the claim in respect of which the protection is provided.
Garantistillerens betaling må ikke være betinget af, at det långivende kreditinstitut først er nødt til at retsforfølge låntager.
Payment by the guarantor shall not be subject to the lending credit institution first having to pursue the obligor.
I tilfælde af ufinansieret kreditbeskyttelse for realkreditlån, skal kravene i punkt 14, litra c), nr. iii) og punkt 17, litra a), blot opfyldes indenfor en samlet periode på 24 måneder.
In the case of unfunded credit protection covering residential mortgage loans, the requirements in paragraph 14(c) (iii) and 17(a) have only to be satisfied within an overall period of 24 months.
Rådets foreslåede præcisering og forbedring af tekstens konsekvens støttes.
The Council’s proposed clarification and improvement in the consistency of the text is hereby endorsed.
Bilag VIII, del 2, punkt 18, indledning
Annex VIII, Part 2, paragraph 18, introductory part
I forbindelse med sikkerhedsstillelse, som ydes i forbindelse med gensidige garantiordninger, der anerkendes som sådanne af de kompetente myndigheder, eller som udstedes eller modgaranteres af de i punkt 16 omtalte enheder, anses kravene i litra a) for overholdt, når en af nedenstående betingelser er opfyldt:
In the case of guarantees provided in the context of mutual guarantee schemes recognised for these purposes by the competent authorities or provided by or counter-guaranteed by entities referred to in paragraph 16, the requirements in paragraph (a) may be considered to be satisfied where either of the following conditions are met:
I forbindelse med sikkerhedsstillelse, som ydes i forbindelse med gensidige garantiordninger, der anerkendes som sådanne af de kompetente myndigheder, eller som udstedes eller modgaranteres af de i punkt 16 omtalte enheder, anses kravene i punkt 17, litra a) , for overholdt, når en af nedenstående betingelser er opfyldt:
In the case of guarantees provided in the context of mutual guarantee schemes recognised for these purposes by the competent authorities or provided by or counter-guaranteed by entities referred to in paragraph 16, the requirements in paragraph 17 (a) shall be considered to be satisfied where either of the following conditions are met:
Der udtrykkes støtte til Rådets forslag om at udelade disse nationale valgrettigheder.
The Council’s amendment abolishing the national discretionary power is hereby endorsed.
Berigtigelse af krydshenvisningen.
Correction of paragraph reference.
Bilag VIII, del 2, punkt 18, litra a
Annex VIII, Part 2, paragraph 18, point (a)
a) de kompetente myndigheder anerkender, at kreditinstituttet har ret til en rettidig foreløbig betaling fra garantistilleren, der beregnes som et rimeligt skøn over det økonomiske tab, herunder tab, der skyldes manglende betaling af renter og andre typer af betalinger, som låntager er forpligtet til at foretage, og som kreditinstituttet forventeligt vil blive påført proportionalt med sikkerhedsstillelsens dækning
(a) the competent authorities are satisfied that the lending credit institution has the right to obtain in a timely manner a provisional payment by the guarantor calculated to represent a robust estimate of the amount of the economic loss, including losses resulting from the non-payment of interest and other types of payment which the borrower is obliged to make, likely to be incurred by the lending credit institution proportional to the coverage of the guarantee;
a) kreditinstituttet har ret til en rettidig foreløbig betaling fra garantistilleren, der beregnes som et rimeligt skøn over det økonomiske tab, herunder tab, der skyldes manglende betaling af renter og andre typer af betalinger, som låntager er forpligtet til at foretage, og som kreditinstituttet forventeligt vil blive påført proportionalt med sikkerhedsstillelsens dækning
(a) the lending credit institution has the right to obtain in a timely manner a provisional payment by the guarantor calculated to represent a robust estimate of the amount of the economic loss, including losses resulting from the non-payment of interest and other types of payment which the borrower is obliged to make, likely to be incurred by the lending credit institution proportional to the coverage of the guarantee;
Bilag VIII, del 2, punkt 18, litra b)
Annex VIII, Part 2, paragraph 18, point (b)
b) de kompetente myndigheder i øvrigt kan godkende sikkerhedsstillelsens tabsbeskyttende virkninger, herunder tab som følge af manglende rentebetaling og andre typer af betalinger, som låntager er forpligtet til at foretage.
(b) the competent authorities are otherwise satisfied as to the loss-protecting effects of the guarantee, including losses resulting from the non-payment of interest and other types of payment which the borrower is obliged to make.
b) kreditinstituttet kan påvise, at sikkerhedsstillelsens tabsbeskyttende virkninger, herunder tab som følge af manglende betalinger, som låntager er forpligtet til at foretage , berettiger til en sådan behandling .
(b) the lending credit institution can demonstrate that the loss-protecting effects of the guarantee, including losses resulting from the non-payment which the borrower is obliged to make , justify such treatment .
Analogt med begrundelsen til punkt 16.
Analogous to the justification relating to paragraph 16.
Bilag VIII, del 2, punkt 19, litra a, nr. i
Annex VIII, Part 2, paragraph 19, point (a), point (i)