natgillin/translations-raw huggingface dataset:
Kreditinstituttet kan over for de kompetente myndigheder godtgøre, at en betydelig del af dets aktiviteter på detailmarkedet og/eller inden for forretningsbankdrift består af lån, der er forbundet med en høj sandsynlighed for misligholdelse, og at den alternative standardmetode giver et bedre grundlag for at vurdere de operationelle risici.
The credit institution is able to demonstrate to the competent authorities that the significant proportion of its retail and/or commercial banking activities comprise loans associated with high probability of default, and that the alternative standardised approach provides an improved basis for assessing the operational risk.
Kreditinstituttet kan over for de kompetente myndigheder godtgøre, at den alternative standardmetode giver et bedre grundlag for at vurdere de operationelle risici.
The credit institution is able to demonstrate to the competent authorities that the alternative standardised approach provides an improved basis for assessing the operational risk.
For determination of capital cost's operational risk the Directive allows to use bank's income indicator, and - if necessary- credit volume indicator, as an alternative indicator.
For determination of capital cost’s operational risk the Directive allows to use bank’s income indicator, and - if necessary- credit volume indicator, as an alternative indicator.
Application of income indicator leads unfair results for CEE-banks, but the current 16th paragraph preclude the use of alternative indicator.
Application of income indicator leads unfair results for CEE-banks, but the current 16th paragraph preclude the use of alternative indicator.
Bilag X, del 2, punkt 17, indledning
Annex X, Part 2, paragraph 17, introductory part
Kreditinstitutter skal opfylde nedenstående anerkendelseskriterier ud over de overordnede standarder for risikostyring som angivet i artikel 22 og bilag V.
Credit institutions must meet the following qualifying criteria listed below, in addition to the general risk management standards set out in Article 22 and Annex V.
Kreditinstitutter skal opfylde nedenstående anerkendelseskriterier ud over de overordnede standarder for risikostyring som angivet i artikel 22 og bilag V. Afgørelsen om, hvorvidt disse kriterier er opfyldt, træffes under hensyn til størrelsen og omfanget af kreditinstituttets aktiviteter og til proportionalitetsprincippet.
Credit institutions must meet the following qualifying criteria listed below, in addition to the general risk management standards set out in Article 22 and Annex V. Satisfaction of these criteria shall be determined having regard to the size and scale of activities of the credit institution and to the principle of proportionality.
Bilag X, del 3, punkt 14
Annex X, Part 3, paragraph 14
Kreditinstitutter skal kunne konvertere deres historiske data for interne tab til de forretningsområder, der defineres i del 2, og de typer af begivenheder, der defineres i del 5, og kunne fremlægge disse data efter anmodning fra de kompetente myndigheder.
Credit institutions must be able to map their historical internal loss data into the business lines defined in part 2 and into the event types defined in part 5, and to provide these data to competent authorities upon request.
Der skal forefindes dokumenterede, objektive kriterier for fordelingen af tab på de angivne forretningsområder og typer af begivenheder.
There must be documented, objective criteria for allocating losses to the specified business lines and event types.
Tab på operationelle risici, som er knyttet til kreditrisikoen, og som historisk har været medtaget i de interne kreditrisikodatabaser, skal registreres i databaserne over operationelle risici og identificeres særskilt.
The operational risk losses that are related to credit risk and have historically been included in the internal credit risk databases must be recorded in the operational risk databases and be separately identified.
Sådanne tab vil ikke være en del af omkostningerne ved operationelle risici, så længe de fortsat behandles som kreditrisici i forbindelse med beregning af minimumskapitalkravene.
Such losses will not be subject to the operational risk charge, as long as they continue to be treated as credit risk for the purposes of calculating minimum capital requirements.
Tab på operationelle risici, der vedrører markedsrisici, skal medtages i kapitalkravet vedrørende operationelle risici.
Operational risk losses that are related to market risks shall be included in the scope of the capital requirement for operational risk.
Tab på operationelle risici, som er knyttet til kreditrisikoen og er af væsentligt omfang , og som historisk har været medtaget i de interne kreditrisikodatabaser, skal identificeres særskilt.
The operational risk losses that are related to credit risk , which are material and have historically been included in the internal credit risk databases must be separately identified.
Bilag X, del 3, punkt 15
Annex X, Part 3, paragraph 15
Kreditinstituttets data vedrørende interne tab skal være omfattende, idet alle væsentlige aktiviteter og engagementer fra alle relevante delsystemer og geografiske placeringer skal registreres.
The credit institution’s internal loss data must be comprehensive in that it captures all material activities and exposures from all appropriate sub-systems and geographic locations.
Kreditinstitutterne skal kunne godtgøre, at eventuelle udelukkede aktiviteter eller engagementer, både enkeltvis og samlet, ikke ville have nogen betydelig indvirkning på de overordnede risikoestimater.
Credit institutions must be able to justify that any excluded activities or exposures, both individually and in combination, would not have a material impact on the overall risk estimates.
Der skal defineres en hensigtsmæssig minimumstærskel for indsamling af data vedrørende interne tab.
An appropriate minimum loss threshold for internal loss data collection must be defined.
Der skal defineres hensigtsmæssige minimumstærskler for indsamling af data vedrørende interne tab.
Appropriate minimum loss thresholds for internal loss data collection must be defined.
Bilag X, del 3, overskrift 2 (efter punkt 24)
Annex X, Part 3, Title 2 (following paragraph 24)
Betydningen af forsikring
Impact of insurance
Betydningen af forsikring og andre risikooverførselsmekanismer
Impact of insurance and other risk transfer mechanisms
Bilag X, del 3, punkt 25
Annex X, Part 3, paragraph 25
Kreditinstitutter skal kunne anerkende betydningen af forsikring i henhold til bestemmelserne i punkt 26-29.
Credit institutions shall be able to recognise the impact of insurance subject to the conditions set out in paragraphs 26 to 29.
Kreditinstitutter skal kunne anerkende betydningen af forsikring i henhold til bestemmelserne i punkt 26-29 og andre risikooverførselsmekanismer i deres interne AMA-model, såfremt der opnås en mærkbar risikonedsættende virkning .
Credit institutions shall be able to recognise the impact of insurance subject to the conditions set out in paragraphs 26 to 29 and other risk transfer mechanisms in their internal AMA model provided a noticeable risk mitigating effect is achieved.
Therefore, the title “Impact of insurance” should be amended to “Risk mitigation” or to “Impact of insurance and other risk transfer mechanisms”, and paragraph 25 should be enlarged, aiming not to inhibit market developments, and to allow new risk mitigation techniques or risk transfer mechanisms.
Therefore, the title “Impact of insurance” should be amended to “Risk mitigation” or to “Impact of insurance and other risk transfer mechanisms”, and paragraph 25 should be enlarged, aiming not to inhibit market developments, and to allow new risk mitigation techniques or risk transfer mechanisms.
Bilag X, del 3, punkt 26
Annex X, Part 3, paragraph 26
Udbyderen har tilladelse til at udbyde forsikring eller genforsikring.
The provider is authorised to provide insurance or re-insurance.
Udbyderen har tilladelse til at udbyde forsikring eller genforsikring og en minimumsrating fra en ECAI for sin evne til erstatningsbetaling, der af de kompetente myndigheder er anerkendt som værende henført til kreditkvalitetstrin 3 eller derover efter bestemmelserne i artikel 78 til 83 om risikovægtning af kreditinstitutters engagementer .
The provider is authorised to provide insurance or re-insurance and the provider has a minimum claims paying ability rating by an eligible ECAI which has been determined by the competent authority to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to credit institutions under Articles 78 to 83 .
Bilag X, del 3, punkt 27, indledning
Annex X, Part 3, paragraph 27, introductory part
Udbyderen har en rating for sin evne til erstatningsbetaling på minimum A (eller tilsvarende)
The provider has a minimum claims paying ability rating of A (or equivalent);
Forsikringen og kreditinstituttets forsikringsramme skal opfylde følgende betingelser:
The insurance and the credit institutions’ insurance framework shall meet the following conditions:
Bilag X, del 3, punkt 27, litra a
Annex X, Part 3, paragraph 27, point (a)
(a) Forsikringspolicen skal have en oprindelig løbetid på mindst et år.
(a) The insurance policy must have an initial term of no less than one year.
For policer med en restløbetid på mindre end et år skal kreditinstituttet foretage hensigtsmæssige ”haircuts”, der afspejler policens faldende restløbetid, op til et ”haircut” på 100 % for policer med en restløbetid på 90 dage eller derunder.
For policies with a residual term of less than one year, the credit institution must make residual term of the policy, up to a full 100% haircut for policies with a residual term of 90 days or less.
Denne bestemmelse finder ikke anvendelse på policer, der er underlagt automatisk og uigenkaldelig fornyelse af gyldighedsperioden.
The above provision shall not apply in the case of policies subjected to an automatic and irrevocable renewal at maturity.
For policies that are not one-off, but stipulated on a continuing basis, the provision in point a) of paragraph 27 with less than one year of residual life should not apply.
For policies that are not one-off, but stipulated on a continuing basis, the provision in point a) of paragraph 27 with less than one year of residual life should not apply.
Bilag XI, punkt 1, litra b
Annex XI, paragraph 1, point (b)
b) kreditinstitutternes eksponering for og forvaltning af likviditetsrisiko og koncentrationsrisiko, herunder overholdelsen af kravene i artikel 108-118
(b) the exposure to and management of liquidity risk and concentration risk by the credit institutions, including their compliance with the requirements laid down in Articles 108 to 118;
b) kreditinstitutternes eksponering for og forvaltning af koncentrationsrisiko, herunder overholdelsen af kravene i artikel 108-118
(b) the exposure to and management of concentration risk by the credit institutions, including their compliance with the requirements laid down in Articles 108 to 118;
Bilag XI, punkt 1, litra d a (nyt)
Annex XI, paragraph 1, point (d a) (new)
da) kreditinstitutters eksponering for og forvaltning af likviditetsrisiko.
(da) the exposure to and management of liquidity risk by the credit institutions;
Bilag XI, punkt 1, litra (d b) (nyt)
Annex XI, paragraph 1, point (d b) (new)
(db) virkningerne af risikospredning og den måde, hvorpå disse virkninger indgår i risikovurderingssystemet
(db) the impact of diversification effects and how such effects are factored into the risk measurement system.
Since there is no recognition of diversification effects in the calculation of regulatory capital requirements, diversification effects should be recognized within the Supervisory Review Process.
Since there is no recognition of diversification effects in the calculation of regulatory capital requirements, diversification effects should be recognised within the Supervisory Review Process.
Bilag XII, del 1, punkt 5
Annex XII, Part 1, paragraph 5
Oplysningspligten i del 2, punkt 4 , litra f) , gælder i henhold til artikel 72, stk. 1 og 2.
The disclosure requirement in Part 2, paragraph 4, letter (f) shall be provided pursuant to Article 72 (1) and (2).
Oplysningspligten i del 2, punkt 3 og 4, gælder i henhold til artikel 72, stk. 1 og 2.
The disclosure requirement in Part 2, paragraphs 3 and 4 shall be provided pursuant to Article 72 (1) and (2).
Udligning som følge af udeladelsen af bilag XII, del 2, punkt 4, litra f) (Rådet).
Adjustment to reference, taking into account the deletion of Annex XII, Part 2, paragraph 4, subparagraph f (Council).
Bilag XII, del 2, punkt 3, litra c
Annex XII, Part 2, paragraph 3, point (c)
(c) den samlede størrelse af tilført egenkapital og egenkapital som defineret i [ bilag V i direktiv 93/6/EØF]
(c) the total amount of additional own funds, and own funds as defined in [ Annex V of Directive 93/6/EEC];
(c) den samlede størrelse af tilført egenkapital og egenkapital som defineret i [ kapitel IV i direktiv 93/6/EØF]
(c) the total amount of additional own funds, and own funds as defined in [ Chapter IV of Directive 93/6/EEC];
Bilag XII, del 2, punkt 4, litra c, nr. i
Annex XII, Part 2, paragraph 4, point (c), point (i)
(i) hver af de metoder, som er angivet i bilag VII, del 1, punkt 15-25
(i) each of the approaches provided in Annex VII, part 1, paragraphs 15 to 25 ;
(i) hver af de metoder, som er angivet i bilag VII, del 1, punkt 15-24
(i) each of the approaches provided in Annex VII, part 1, paragraphs 15 to 24 ;
Bilag XII, del 2, punkt 4, litra f
Annex XII, Part 2, paragraph 4, point (f)
f) solvensnøgletal beregnet på grundlag af samlet egenkapital og oprindelig egenkapital.
(f) the solvency ratios calculated on the basis of total own funds and original own funds.
Der udtrykkes støtte til Rådets ændringsforslag om at udelade henvisningen til solvensnøgletallet, da der i direktivet ikke længere henvises hertil.
The Council’s amendment deleting the reference to solvency ratios is hereby endorsed, since the Directive no longer refers to them.
Bilag XII, del 2, punkt 9, indledning
Annex XII, Part 2, paragraph 9, introductory part
Følgende oplysninger skal angives af alle kreditinstitutter, der beregner deres kapitalkrav i henhold til [ bilag VIII i direktiv 93/6/EØF]:
The following information shall be disclosed by each credit institution which calculates its capital requirements in accordance with [ Annex VIII of Directive 93/6/EEC]:
Følgende oplysninger skal angives af alle kreditinstitutter, der beregner deres kapitalkrav i henhold til [ bilag V i direktiv 93/6/EØF]:
The following information shall be disclosed by each credit institution which calculates its capital requirements in accordance with [ Annex V of Directive 93/6/EEC]:
Bilag XII, del 3, punkt 14, litra d
Annex XII, Part 3, paragraph 14, point (d)
(d) engagementernes værdi for hver af engagementsklasserne i artikel 86.
(d) the exposure values for each of the exposure classes specified in Article 86.
Engagementer med centralregeringer og centralbanker, kreditinstitutter og selskaber, hvor kreditinstitutterne anvender egne LGD-estimater eller konverteringsfaktorer til beregning af størrelsen af risikovægtede engagementer, skal offentliggøres særskilt fra engagementer, for hvilke kreditinstitutterne ikke udarbejder sådanne estimater
Exposures to central governments and central banks, credit institutions and corporates where credit institutions use own estimates of LGDs or conversion factors for the calculation of risk-weighted exposure amounts shall be disclosed separately from exposures for which the credit institutions do not use such estimates;
Engagementer med centralregeringer og centralbanker, institutter og selskaber, hvor kreditinstitutterne anvender egne LGD-estimater eller konverteringsfaktorer til beregning af størrelsen af risikovægtede engagementer, skal offentliggøres særskilt fra engagementer, for hvilke kreditinstitutterne ikke udarbejder sådanne estimater
Exposures to central governments and central banks, institutions and corporates where credit institutions use own estimates of LGDs or conversion factors for the calculation of risk-weighted exposure amounts shall be disclosed separately from exposures for which the credit institutions do not use such estimates;
Bilag XII, del 3, punkt 14, litra f
Annex XII, Part 3, paragraph 14, point (f)
(f) for engagementsklassen detailengagementer og for hver af kategorierne defineret under litra c) ovenfor: enten de offentliggjorte oplysninger under litra e) ovenfor (eventuelt i puljeform), eller en analyse af engagementerne (udestående lån og engagementernes værdi ved uudnyttede forpligtelser) i forhold til et tilstrækkeligt antal EL-grades for at muliggøre en meningsfyldt differentiering af kreditrisikoen (eventuelt i puljeform)
(f) for the retail exposure class and for each of the categories as defined under (c) above, either the disclosures outlined under (e) above (if applicable, on a pooled basis), or an analysis of exposures (outstanding loans and exposure values for undrawn commitments) against a sufficient number of EL grades to allow for a meaningful differentiation of credit risk (if applicable, on a pooled basis);
(f) for engagementsklassen detailengagementer og for hver af kategorierne defineret under litra c) , nr. (iv), ovenfor: enten de offentliggjorte oplysninger under litra e) ovenfor (eventuelt i puljeform), eller en analyse af engagementerne (udestående lån og engagementernes værdi ved uudnyttede forpligtelser) i forhold til et tilstrækkeligt antal EL-grades for at muliggøre en meningsfyldt differentiering af kreditrisikoen (eventuelt i puljeform)
(f) for the retail exposure class and for each of the categories as defined under (c)(iv) above, either the disclosures outlined under (e) above (if applicable, on a pooled basis), or an analysis of exposures (outstanding loans and exposure values for undrawn commitments) against a sufficient number of EL grades to allow for a meaningful differentiation of credit risk (if applicable, on a pooled basis);
Bilag XII, del 3, punkt 14, litra g
Annex XII, Part 3, paragraph 14, point (g)
(g) de faktiske værdireguleringer i den foregående periode for de enkelte engagementsklasser (for detailengagementer, for hver af kategorierne som defineret under litra c) ovenfor), og hvordan dette adskiller sig fra tidligere erfaringer
(g) the actual value adjustments in the preceding period for each exposure class (for retail, for each of the categories as defined under (c) above) and how this differs from past experience;
(g) de faktiske værdireguleringer i den foregående periode for de enkelte engagementsklasser (for detailengagementer, for hver af kategorierne som defineret under litra c) , nr. (iv), ovenfor), og hvordan dette adskiller sig fra tidligere erfaringer
(g) the actual value adjustments in the preceding period for each exposure class (for retail, for each of the categories as defined under (c)(iv) above) and how this differs from past experience;
Bilag XII, del 3, punkt 14, litra i
Annex XII, Part 3, paragraph 14, point (i)
(i) kreditinstituttets estimater i forhold til de faktiske resultater over en længere periode.
(i) the credit institution’s estimates against actual outcomes over a longer period.
Disse skal som minimum omfatte oplysninger om estimerede tab i forhold til faktiske tab inden for de enkelte engagementsklasser (for detailengagementer for hver af kategorierne, som defineres under litra c) ovenfor) over en periode, der er tilstrækkelig lang til at muliggøre en meningsfyldt vurdering af procedurerne for intern rating for de enkelte engagementsklasser (for detailengagementer for hver af kategorierne, som defineres under litra c) ovenfor).
At a minimum, this shall include information on estimates of losses against actual losses in each exposure class (for retail, for each of the categories as defined under (c) above) over a period sufficient to allow for a meaningful assessment of the performance of the internal rating processes for each exposure class (for retail for each of the categories as defined under (c) above).
Når det er relevant, skal kreditinstitutterne opdele dette yderligere for at kunne foretage en PD-analyse, og for kreditinstitutter, der anvender egne LGD-estimater og/eller konverteringsfaktorer, resultater for LGD og konverteringsfaktorer i forhold til de estimater, der angives i oplysningerne om kvantitative risikovurderinger ovenfor.
Where appropriate, the credit institutions shall further decompose this to provide analysis of PD and, for the credit institutions using own estimates of LGDs and/or conversion factors, LGD and conversion factor outcomes against estimates provided in the quantitative risk assessment disclosures above.
Disse skal som minimum omfatte oplysninger om estimerede tab i forhold til faktiske tab inden for de enkelte engagementsklasser (for detailengagementer for hver af kategorierne, som defineres under litra c), nr. (iv), ovenfor) over en periode, der er tilstrækkelig lang til at muliggøre en meningsfyldt vurdering af procedurerne for intern rating for de enkelte engagementsklasser (for detailengagementer for hver af kategorierne, som defineres under litra c) , nr. (iv), ovenfor).
At a minimum, this shall include information on estimates of losses against actual losses in each exposure class (for retail, for each of the categories as defined under (c)(iv) above) over a period sufficient to allow for a meaningful assessment of the performance of the internal rating processes for each exposure class (for retail for each of the categories as defined under (c)(iv) above).
Bilag XIV, sammenligningstabel
Annex XIV, Correlation Table
Dette direktiv
This Directive
Direktiv 2000/12/EF
Directive 2000/12/EC
Direktiv 2000/28/EF
Directive 2000/28/EC
Direktiv 2001/87/EF
Directive 2001/87/EC
Direktiv 2004/69/EF
Directive 2004/69/EC
Direktiv 2004/xx/EF
Directive 2004/xx/EC
Artikel 2, stk. 1 og 2
Article 2(1) and (2)
Artikel 2, stk. 3
Article 2(3)
Artikel 2, stk. 2
Article 2(2)
Artikel 2, stk. 4
Article 2(4)
Artikel 2, stk. 5 og 6
Article 2(5) and (6)
Artikel 3, stk. 1, sidste punktum
Article 3 (1) final sentence
Artikel 3, stk. 2
Article 3.2
Artikel 4.1 , stk. 1
Article 4.1 (1)
Artikel 1, stk. 1
Article 1(1)
Artikel 4.1, stk. 2-5
Article 4.1 (2) to (5)
Artikel 1, stk. 2-5
Article 1(2) to (5)
Artikel 4.1 , stk. 7-9
Article 4.1 (7) to (9)
Artikel 1, stk. 6-8
Article 1(6) to (8)
Artikel 4.1, stk. 10
Article 4 .1 (10)
Artikel 29, stk. 1, litra a)
Article 29.1 (a)
Artikel 4.1, stk. 11-14
Article 4.1 (11) to (14)
Artikel 1, stk. 10, 12 og 13
Article 1 (10), (12) and (13)
Artikel 4.1, stk. 1 og 22
Article 4.1 (21) and (22)
Artikel 29, stk.1, litra b)
Article 29.1 (b)
Artikel 4.1, stk. 23
Article 4.1 (23)
Artikel 1, stk. 23
Article 1 (23)
Artikel 4.1, stk. 45-47
Article 4.1 (45 ) to (47)
Artikel 1, stk. 25-27
Article 1 (25 ) to (27)
Artikel 4 .2
Article 4 .2
Artikel 1, stk. 1, andet afsnit
Article 1(1) second sub-paragraph
Artikel 9, stk. 1
Article 9 (1)
Artikel 5, stk. 1 og stk. 11
Article 5(1) and 1(11)
Artikel 9, stk. 2
Article 9 (2)
Artikel 5, stk. 2
Article 5(2)
Artikel 5, stk. 3-7
Article 5 (3) to (7)
Artikel 15, stk. 1
Article 15 (1)
Artikel 15, stk. 2-3
Article 15 (2) and (3)
Artikel 29, stk. 2
Article 29.2
Artikel 19, stk. 1
Article 19 (1)
Artikel 16, stk. 1
Article 16 (1)
Artikel 19, stk. 2
Article 19 (2)
Artikel 29, stk. 3
Article 29.3
Artikel 16, stk. 3
Article 16(3)
Artikel 16, stk. 4-6
Article 16 (4) to (6)
Artikel 24, stk. 1
Article 24 (1)
Artikel 19, stk. 1-3
Article 19 paragraphs (1) to (3)
Artikel 24, stk. 2
Article 24 (2)
Artikel 19, stk. 6
Article 19 paragraph (6)
Artikel 24, stk. 3
Article 24 (3)
Artikel 19, stk. 4
Article 19 paragraph (4)
Artikel 25, stk. 1-3
Article 25 (1) to (3)
Artikel 20, stk. 1-3, første og andet afsnit
Article 20 (1) to (3) 1 and 2 sub-paragraph
Artikel 25, stk. 3
Article 25 (3)
Artikel 19, stk. 5
Article 19 paragraph (5)
Artikel 25, stk. 4
Article 25 (4)
Artikel 20, stk. 3, tredje afsnit
Article 20 (3) 3 sub-paragraph
Artikel 20, stk. 4-7
Article 20 (4) to (7)
Artikel 1, stk. 3, sidste punktum
Article 1 (3) final clause
Artikel 22, stk. 2-4
Article 22 (2) to (4)
Artikel 22, stk. 5
Article 22 (5)
Artikel 22, stk. 6
Article 22 (6)
Artikel 22, stk. 7
Article 22 (7)
Artikel 22, stk. 8
Article 22 (8)
Artikel 22, stk. 9
Article 22 (9)