natgillin/translations-raw huggingface dataset:
(d) kreditinstitutter, der opfylder minimumskravene i del 4 for brug af egne estimater af omregningsfaktorer, kan med forbehold af de kompetente myndigheders godkendelse benytte deres egne estimater af omregningsfaktorer for forskellige produktkategorier, som nævnt i litra a) til d), i det omfang det ikke drejer sig om kreditengagementer, der når som helst uden varsel eller automatisk kan opsiges i henhold til litra a).
(d) Credit institutions which meet the minimum requirements for the use of own estimates of conversion factors as specified in Part 4 may use their own estimates of conversion factors across different product types as mentioned in points (a) to (d) above , subject to approval of the competent authorities , except where these are credit lines which may be cancelled at any time or are automatically cancelled, to which sub-paragraph (a) applies .
Bilag VII, del 3, punkt 13
Annex VII, Part 3, paragraph 13
For alle andre poster under stregen end dem, der er nævnt i punkt 1-11, fastsættes engagementsværdien i overensstemmelse med bilag II.
For all other off-balance sheet items than mentioned in paragraphs 1 to 11, the exposure value shall be determined according to Annex II .
For alle andre poster under stregen end dem, der er nævnt i punkt 1-11, er engagements­værdien følgende procentdel af dens værdi: 100 %, hvis det er en post med fuld risiko, 50 %, hvis det er en post med middelrisiko, 20 %, hvis det er en post med middel/lav risiko, og 0 %, hvis det er en post med lav risiko.
For all off-balance sheet items other than mentioned in paragraphs 1 to 11, the exposure value shall be the following percentage of its value: 100% if it is a full risk item, 50% if it is a medium-risk item, 20% if it is a medium/low-risk item, and 0% if it is a low-risk item.
Med henblik på dette henføres posterne under stregen til risikokategorier som anført i bilag II .
For these purposes the off-balance sheet items shall be assigned to risk categories as indicated in Annex II .
Bilag VII, del 4, punkt 10
Annex VII, Part 4, paragraph 10
Ratingsystemet skal, for at de kompetente myndigheder kan anerkende det til beregning af kapitalkravet ved hjælp af egne estimater af omregningsfaktorer, omfatte en særlig ratingskala for faciliteter, som udelukkende afspejler transaktionskarakteristika vedrørende omregningsfaktorer.
To qualify for recognition by the competent authorities of the use for capital requirement calculation of own estimates of conversion factors a rating system shall incorporate a distinct facility rating scale which exclusively reflects conversion factor related transaction characteristics.
This rating system must comply with certain requirements as set out in part 4 of Annex VII.
This rating system must comply with certain requirements as set out in part 4 of Annex VII.
That conversion factor is a calculation applied to the undrawn part of a credit facility.
That conversion factor is a calculation applied to the undrawn part of a credit facility.
Bilag VII, del 4, punkt 11
Annex VII, Part 4, paragraph 11
Definitionen af facilitetsgrupper skal indeholde en beskrivelse af, hvordan engagementer henføres til en gruppe, og hvilke kriterier der anvendes til fastsættelse af risikoniveauet for de forskellige grupper.
The grade definition shall include both a description of how exposures are assigned to the grade and of the criteria used to distinguish the level of risk across grades.
Under the proposal, rating system requirements as set out in part 4 of annex VII should also apply to “conversion factors”, whereas in practice it can only apply to two risk parameters (PD and LGD).
Under the proposal, rating system requirements as set out in part 4 of annex VII should also apply to “conversion factors”, whereas in practice it can only apply to two risk parameters (PD and LGD).
Annex VII, del 4, punkt 12
Annex VII, Part 4, paragraph 12
Forekommer der omfattende koncentrationer inden for en bestemt facilitetsgruppe, skal der fremlægges overbevisende empirisk dokumentation for, at LGD eller omregningsfaktorer inden for facilitetsgruppen dækker et forholdsvis snævert bånd, og at den risiko, der er forbundet med samtlige engagementer i gruppen, ligger inden for dette bånd.
Significant concentrations within a single facility grade shall be supported by convincing empirical evidence that the facility grade covers a reasonably narrow LGD or conversion factor band, respectively, and that the risk posed by all exposures in the grade falls within that band.
Forekommer der omfattende koncentrationer inden for en bestemt facilitetsgruppe, skal der fremlægges overbevisende empirisk dokumentation for, at LGD inden for facilitetsgruppen dækker et forholdsvis snævert bånd, og at den risiko, der er forbundet med samtlige engagementer i gruppen, ligger inden for dette bånd.
Significant concentrations within a single facility grade shall be supported by convincing empirical evidence that the facility grade covers a reasonably narrow LGD band, and that the risk posed by all exposures in the grade falls within that band.
Bilag VII, del 4, punkt 24, litra b a (nyt)
Annex VII, Part 4, paragraph 24, point (b a) (new)
(ba) hvis forbrugerbeskyttelse, bankhemmelighed eller andre bestemmelser hindrer udvekslingen af kundeoplysninger
(ba) where consumer protection, bank secrecy or other legislation prohibit the exchange of client data.
Bilag VII, del 4, punkt 40, litra e
Annex VII, Part 4, paragraph 40, point (e)
e) data vedrørende tabsprocenter og spread for revolverende engagementer med kvalificerede udstedere på detailmarkedet.
(e) Data on loss rates and margin income for qualifying revolving retail exposures.
e) data vedrørende tabsprocenter for revolverende engagementer med kvalificerede udstedere på detailmarkedet.
(e) Data on loss rates for qualifying revolving retail exposures.
Rådets ændring om tilnærmelse af ordningen til Basel-rammeaftalen hilses velkommen.
The Council amendment, bringing the text into line with the Basel Framework Agreement, is hereby endorsed.
Bilag VII, del 4, punkt 41
Annex VII, Part 4, paragraph 41
Kreditinstituttet skal indføre sunde metoder til krisesimulation (stresstest) til brug ved vurderingen af dets kapitalgrundlag.
A credit institution shall have in place sound stress testing processes for use in the assessment of its capital adequacy.
Stresstest skal sigte mod at afdække eventuelle begivenheder eller fremtidige ændringer i de økonomiske forhold, som kunne påvirke kreditinstituttets krediteksponering i negativ retning, og at vurdere kreditinstituttets evne til at modstå sådanne ændringer.
Stress testing shall involve identifying possible events or future changes in economic conditions that could have unfavourable effects on a credit institution’s credit exposures and assessment of the credit institution’s ability to withstand such changes
Credit institutions are already required to adopt conservative views and stress internal estimations of PD, LGD and exposure at default, including taking into account an economic downturn (Annex VII, part 4, paragraphs 19, 49, 54, 63, 74, 87 & 114).
Credit institutions are already required to adopt conservative views and stress internal estimations of PD, LGD and exposure at default, including taking into account an economic downturn (Annex VII, part 4, paragraphs 19, 49, 54, 63, 74, 87 & 114).
The Commission proposal will make all types of obligor and exposure more capital intensive and therefore more expensive and will particularly affect SMEs and small banks.
The Commission proposal will make all types of obligor and exposure more capital intensive and therefore more expensive and will particularly affect SMEs and small banks.
Bilag VII, del 4, punkt 42
Annex VII, Part 4, paragraph 42
Kreditinstituttet skal regelmæssigt gennemføre en stresstest af kreditrisici for at vurdere, hvordan bestemte forhold vil indvirke på dets samlede kapitaldækning for kreditrisici.
A credit institution shall regularly perform a credit risk stress test to assess the effect of certain specific conditions on its total capital requirements for credit risk.
Den anvendte test skal udvælges af kreditinstituttet og underkastes tilsynsmæssig kontrol.
The test to be employed shall be one chosen by the credit institution, subject to supervisory review.
Den anvendte test skal være meningsfuld og forholdsvis konservativ og som et minimum indbefatte virkningerne af milde recessionsscenarier.
The test to be employed shall be meaningful and reasonably conservative, considering at least the effect of mild recession scenarios.
Kreditinstituttet skal analysere ændringer af sine ratings ved hjælp af stresstestscenarier.
A credit institution shall assess migration in its ratings under the stress test scenarios.
De stresstestede porteføljer skal omfatte den altovervejende del af kreditinstituttets samlede eksponering.
Stressed portfolios shall contain the vast majority of a credit institution´s total exposure.
Den anvendte test skal være meningsfuld og forholdsvis konservativ og som et minimum indbefatte virkningerne af milde recessionsscenarier.
The test to be employed shall be meaningful and reasonably conservative.
De stresstestede porteføljer bør svare til kreditinstituttets samlede eksponering for kreditrisici .
Stressed portfolios should represent the institution's overall credit risk exposure.
The Commission proposal will make all types of obligor and exposure more capital intensive and therefore more expensive and will particularly affect SMEs and small banks. paragraph 42 relates to Pillar 2 requirements and could be moved to Annex XI paragraph 1(a).
The Commission proposal will make all types of obligor and exposure more capital intensive and therefore more expensive and will particularly affect SMEs and small banks. paragraph 42 relates to Pillar 2 requirements and could be moved to Annex XI paragraph 1(a).
Bilag VII, del 4, punkt 44, afsnit 2
Annex VII, Part 4, paragraph 44, subparagraph 2
Låntageren anses for at være i restance, hvis han har overskredet den meddelte grænse, har fået meddelt en grænse, der er lavere end det aktuelle tilgodehavende, eller har trukket et beløb uden at have tilladelse hertil.
Days past due commence once an obligor has breached an advised limit, has been advised a limit smaller than current outstandings, or has drawn credit without authorisation.
Med hensyn til overtræk, anses låntageren for at være i restance, hvis han har overskredet den meddelte grænse, har fået meddelt en grænse, der er lavere end det aktuelle tilgodehavende, eller har trukket et beløb uden at have tilladelse hertil og hvis det underliggende aktiv er materielt .
For overdrafts, d ays past due commence once an obligor has breached an advised limit, has been advised a limit smaller than current outstandings, or has drawn credit without authorisation and the underlying amount is material .
The Commission proposal conflicts with the Basel Framework and the suggested amendment reflects industry practice.
The Commission proposal conflicts with the Basel Framework and the suggested amendment reflects industry practice.
For credit cards the minimum payment date is embodied in the contractual relationship with the counterparty and therefore the adoption of any other days past due interpretation will conflict with industry practice and potentially impact the terms and conditions for credit cards.
For credit cards the minimum payment date is embodied in the contractual relationship with the counterparty and therefore the adoption of any other days past due interpretation will conflict with industry practice and potentially impact the terms and conditions for credit cards.
Bilag VII, del 4, punkt 44, afsnit 3 a (nyt)
Annex VII, Part 4, paragraph 44, subparagraph 3 a (new)
For kreditkort anses låntageren for at være i restance, når minimumsbetalingens forfaldsdato overskrides.
Days past due for credit cards commence on the minimum payment due date.
Under alle omstændigheder skal engagementet i restance have overskredet en grænse, som fastlægges af de kompetente myndigheder, og som afspejler et acceptabelt risikoniveau.
In all cases the exposure past due shall be above a threshold defined by the competent authorities and which reflects a reasonable level of risk.
Bilag VII, del 4, punkt 49
Annex VII, Part 4, paragraph 49
Kreditinstituttets egne estimater af risikoparametrene sandsynlighed for misligholdelse, tab i tilfælde af misligholdelse, omregningsfaktorer og forventet tab skal baseres på alle relevante data, oplysninger og metoder.
A credit institution’s own estimates of the risk parameters PD, LGD, conversion factor and EL shall incorporate all relevant data, information and methods.
Estimaterne skal foretages ved brug af såvel den historiske erfaring som empiriske data og ikke bare overlades til kreditinstituttets eget skøn .
The estimates shall be derived using both historical experience and empirical evidence, and not based purely on judgmental considerations .
Estimaterne skal være troværdige og intuitive og baseres på de faktorer, der indvirker mest på de respektive risikoparametre.
The estimates shall be plausible and intuitive and shall be based on the material drivers of the respective risk parameters.
Jo færre data et kreditinstitut har, jo mere konservativt er det nødt til at være i sin vurdering.
The less data a credit institution has, the more conservative it shall be in its estimation.
Estimaterne skal foretages ved brug af såvel den historiske erfaring som empiriske data , herunder statistiske modeller .
The estimates shall be derived using both historical experience and empirical evidence, including statistical models .
Bilag VII, del 4, punkt 66
Annex VII, Part 4, paragraph 66
Uanset om kreditinstituttet anvender eksterne, interne eller fælles datakilder eller en kombination heraf til estimering af PD, skal den underliggende historiske observationsperiode strække sig over mindst fem år for mindst én kilde.
Irrespective of whether a credit institution is using external, internal, or pooled data sources, or a combination of the three, for its PD estimation, the length of the underlying historical observation period used shall be at least five years for at least one source.
Hvis den omhandlede observationsperiode strækker sig over længere tid for en kilde, og de pågældende data er relevante, anvendes den lange periode.
If the available observation period spans a longer period for any source, and this data is relevant, this longer period shall be used.
Bestemmelserne i dette punkt gælder også for anvendelse af PD-/LGD-metoden i forbindelse med aktier.
This paragraph also applies to the PD/LGD Approach to equity.
Medlemsstaterne kan tillade kreditinstitutter, som ikke har tilladelse til at benytte egne estimater for LGD eller omregningsfaktorer, at benytte relevante data dækkende en periode på to år, når de gennemfører IRB-metoden.
Member States may allow credit institutions which are not permitted to use own estimates of LGDs or conversion factors to have, when they implement the IRB Approach, relevant data covering a period of two years.
Denne periode forlænges årligt med et år, indtil der foreligger relevante data for en periode på fem år.
The period to be covered shall increase by one year each year until relevant data cover a period of five years.
Se ændringsforslaget til artikel 154, stk. 5.
See Amendment to Article 154(5).
Bilag VII, del 4, punkt 71
Annex VII, Part 4, paragraph 71
Uanset om kreditinstituttet anvender eksterne, interne eller fælles datakilder eller en kombination heraf til estimering af tabskarakteristika, skal den underliggende historiske observationsperiode strække sig over mindst fem år for mindst én kilde.
Irrespective of whether a credit institution is using external, internal, pooled data sources or a combination of the three, for their estimation of loss characteristics, the length of the underlying historical observation period used shall be at least five years for at least one source.
Hvis den omhandlede observationsperiode strækker sig over længere tid for en kilde, og de pågældende data er relevante, anvendes den lange periode.
If the available observation spans a longer period for any source, and these data are relevant, this longer period shall be used.
Kreditinstituttet har ikke pligt til at tillægge historiske data samme vægt, hvis det kan overbevise den kompetente myndighed om, at nyere data er bedre til beregning af de fremtidige tabsprocenter.
A credit institution need not give equal importance to historic data if it can convince its competent authority that more recent data is a better predictor of loss rates.
Medlemsstaterne kan tillade kreditinstitutter at benytte relevante data dækkende en periode på to år, når de gennemfører IRB-metoden.
Member States may allow credit institutions to have, when they implement the IRB Approach, relevant data covering a period of two years.
Bilag VII, del 4, punkt 78
Annex VII, Part 4, paragraph 78
For så vidt som et kreditinstitut ikke opfylder de minimumskrav til sikkerhedsstillelsen, der er fastsat i bilag VIII, skal de beløb, som denne sikkerhedsstillelse ventes at kunne indbringe, ikke medregnes i dets LGD-estimater.
To the extent, that a credit institution does not meet the minimum requirements for collateral set out in Annex VIII any amount expected to be recovered from such collateral shall not be taken into account in its LGD estimates .
For så vidt som LGD-estimater tager højde for sikkerhedsstillelsen , skal kreditinstitutter fastsætte interne krav for sikkerhedsstillelse, retssikkerhed og risikostyring, som generelt stemmer overens med de krav , der er fastsat i bilag VIII, del 2.
To the extent that LGD estimates take into account the existence of collateral, credit institutions must establish internal requirements for collateral management, legal certainty and risk management that are generally consistent with those set out in Annex VIII , part 2.
The draft proposed by the Commission might imply that if purchased credit risk mitigation does not meet all the requirements throughout Annex VIII, then own-LGD estimates cannot reflect the degree of credit risk mitigation obtained.
The draft proposed by the Commission might imply that if purchased credit risk mitigation does not meet all the requirements throughout Annex VIII, then own-LGD estimates cannot reflect the degree of credit risk mitigation obtained.
Compared to a previous version of the proposed Directive, the stronger wording of paragraph 78 now suddenly means that what has been developed is not good enough.
Compared to a previous version of the proposed Directive, the stronger wording of paragraph 78 now suddenly means that what has been developed is not good enough.
Bilag VII, del 4, punkt 79
Annex VII, Part 4, paragraph 79
Med hensyn til engagementer, der allerede er nødlidende, skal kreditinstituttet anvende sit bedste estimat af det forventede tab for hvert engagement set i forhold til de aktuelle økonomiske forhold og engagementets status.
For the specific case of exposures already in default, the credit institution shall use its best estimate of expected loss for each exposure given current economic circumstances and exposure status.
Med hensyn til engagementer, der allerede er nødlidende, skal kreditinstituttet anvende den samlede sum af det forventede tab for hvert engagement set i forhold til de aktuelle økonomiske forhold og engagementets status samt muligheden for yderligere uventede tab i inddrivningsperioden.
For the specific case of exposures already in default, the credit institution shall use the sum of its best estimate of expected loss for each exposure given current economic circumstances and exposure status and the possibility of additional unexpected losses during the recovery period .
Bilag VII, del 4, punkt 81
Annex VII, Part 4, paragraph 81
Estimater af LGD skal baseres på data vedrørende en periode på mindst syv år for mindst én datakilde.
Estimates of LGD shall be based on data over a minimum of seven years for at least one data source.
Hvis den omhandlede observationsperiode strækker sig over længere tid for en kilde, og de pågældende data er relevante, anvendes den lange periode.
If the available observation period spans a longer period for any source, and the data is relevant, this longer period shall be used.
Estimater af LGD skal baseres på data vedrørende en periode på mindst fire år for mindst én datakilde.
Estimates of LGD shall be based on data over a minimum of four years for at least one data source.
Ziel ist es, ein zu großes Auseinanderlaufen der Anforderungen von Basis-Ansatz und fortgeschrittenem IRB-Ansatz zu vermeiden.
The aim is to prevent excessive divergence of exposures between the basic approach and the progressive IRB approach.
Bilag VII, del 4, punkt 85
Annex VII, Part 4, paragraph 85
Estimater af LGD skal baseres på data for en periode på mindst fem år.
Estimates of LGD shall be based on data over a minimum of five years.
Uanset bestemmelserne i punkt 73 har kreditinstituttet ikke pligt til at tillægge historiske data samme vægt, hvis det kan overbevise den kompetente myndighed om, at nyere data er bedre til forudsigelse af de fremtidige tabsprocenter.
Notwithstanding paragraph 73, a credit institution needs not give equal importance to historic data if it can demonstrate to its competent authority that more recent data is a better predictor of loss rates.
Denne periode forlænges årligt med et år, så længe der foreligger relevante data for en periode på fem år.
The period to be covered shall increase by one year each year until relevant data cover a period of five years.
Bilag VII, del 4, punkt 86
Annex VII, Part 4, paragraph 86
Kreditinstitutterne skal foretage estimater af omregningsfaktorer for hver facilitetsgruppe eller pulje på grundlag af de gennemsnitlige faktiske omregningsfaktorer for hver facilitetsgruppe eller pulje og inddrage alle konstaterede misligholdelser, der beskrives i datakilderne (gennemsnitlig vægtning af misligholdelsen).
Credit institutions shall estimate conversion factors by facility grade or pool on the basis of the average realised conversion factors by facility grade or pool using all observed defaults within the data sources (default weighted average).
Kreditinstitutterne skal foretage estimater af omregningsfaktorer for hver facilitetsgruppe eller pulje på grundlag af de gennemsnitlige forventede omregningsfaktorer for hver facilitetsgruppe eller pulje og inddrage alle konstaterede misligholdelser, der beskrives i datakilderne (gennemsnitlig vægtning af misligholdelsen).
Credit institutions shall estimate conversion factors by facility grade or pool on the basis of the average expected realised conversion factors by facility grade or pool using all observed defaults within the data sources (default weighted average).
Bilag VII, del 4, punkt 92
Annex VII, Part 4, paragraph 92
Estimater af omregningsfaktorer skal baseres på data vedrørende en periode på mindst syv år for mindst én datakilde.
Estimates of conversion factor shall be based on data over a minimum of seven years for at least one data source.
Estimater af omregningsfaktorer skal baseres på data vedrørende en periode på mindst fire år for mindst én datakilde.
Estimates of conversion factor shall be based on data over a minimum of four years for at least one data source.
Bilag VII, del 4, punkt 94
Annex VII, Part 4, paragraph 94
Estimater af omregningsfaktorer baseres på data for en periode på mindst fem år.
Estimates of conversion factors shall be based on data over a minimum of five years.
Uanset bestemmelserne i punkt 86 har kreditinstituttet ikke pligt til at tillægge historiske data samme vægt, hvis det kan overbevise den kompetente myndighed om, at nyere data er bedre til forudsigelse af fremtidige træk på kreditfaciliteter.
Notwithstanding paragraph 86, a credit institution need not give equal importance to historic data if it can demonstrate to its competent authority that more recent data is a better predictor of draw downs.
Bilag VII, del 4, punkt 97
Annex VII, Part 4, paragraph 97
(Vedrører ikke den danske udgave)
Credit institutions shall have clearly specified criteria for the types of guarantors they recognise for the calculation of risk weighted exposure amounts .
Bilag VII, del 4, punkt 100
Annex VII, Part 4, paragraph 100