natgillin/translations-raw huggingface dataset:
For at sikre tilstrækkelig solvens er det vigtigt at fastsætte minimumskapitalkrav, hvor aktiver og ikke-balanceførte poster vægtes efter risikograden.
For the purposes of ensuring adequate solvency it is important to lay down minimum capital requirements which weight assets and off-balance-sheet items according to the degree of risk.
I den forbindelse har Basel-udvalget om banktilsyn den 26. juni 2004 vedtaget en rammeaftale om den internationale konvergens af kapitalberegning og kapitalkrav.
On this point, on 26 June 2004 the Basel Committee on Banking Supervision adopted a framework agreement on the international convergence of capital measurement and capital requirements.
Bestemmelserne i dette direktiv om minimumskapitalkrav til kreditinstitutter samt minimumkravene i Europa-Parlamentets og Rådets direktiv 2006/.../EF af ... om kravene til investeringsselskabers og kreditinstitutters kapitalgrundlag
The provisions in this Directive on the minimum capital requirements of credit institutions, and the minimum capital provisions in Directive 2006/.../EC of the European Parliament and of the Council of ... on the capital adequacy of investment firms and credit institutions OJ L .......
EUT: Indsæt nr. og dato på direktivet.
OJ: please insert number and date of the Directive.
svarer til Basel-rammeaftalen.
, form an equivalent to the provisions of the Basel framework agreement.
Det er vigtigt at tage hensyn til de mange forskellige typer kreditinstitutter i Fællesskabet ved at give dem mulighed for at vælge mellem alternative metoder til beregning af minimumskapitalkravene i forbindelse med kreditrisikoen, hvor der medtages forskellige niveauer af risikofølsomhed og detaljeringsgrad.
It is essential to take account of the diversity of credit institutions in the Community by providing alternative approaches to the calculation of minimum capital requirements for credit risk incorporating different levels of risk-sensitivity and requiring different degrees of sophistication.
Brug af eksterne ratings og kreditinstitutternes egne estimater af individuelle kreditrisikoparametre indebærer en væsentlig forbedring af kreditrisikoreglernes risikofølsomhed og et bedre tilsyn.
Use of external ratings and credit institutions' own estimates of individual credit risk parameters represents a significant enhancement in the risk-sensitivity and prudential soundness of the credit risk rules.
Der er behov for, at kreditinstitutterne, når de foretager de estimater, der er nødvendige for at anvende fremgangsmåden i dette direktiv på kreditrisiko, tilpasser deres databehandlingsbehov til deres kunders legitime interesse i beskyttelse af oplysninger i henhold til gældende EF-lovgivning om databeskyttelse, samtidig med at de forbedrer kreditinstitutters måling og forvaltning af kreditrisiko for at sikre, at der findes metoder til at fastsætte kreditinstitutternes behov for lovbestemt egenkapital, der afspejler den nærmere udformning af de enkelte kreditinstitutters processer.
In producing the estimates needed to apply the approaches to credit risk of this Directive, credit institutions will have to adjust their data processing needs to their clients' legitimate data protection interests as governed by the existing Community legislation on data protection, while enhancing credit risk measurement and management processes of credit institutions to make methods for determining credit institutions' regulatory own funds requirements available that reflect the sophistication of individual credit institutions' processes.
Dette ligger både inden for kreditinstitutters legitime interesse og direktivets målsætning om at anvende forbedrede metoder til risikomåling og -forvaltning og også anvende disse i forbindelse med bestemmelser om egenkapital.
That serves not only to fulfil the legitimate interest of credit institutions but also the purpose of this Directive, to use better methods for risk measurement and management and also use them for regulatory own funds purposes.
Ved anvendelsen af både eksterne ratings og kreditinstitutternes egne estimater eller interne ratings bør der tages hensyn til, at det for tiden kun er sidstnævnte, der udarbejdes af en enhed - kreditinstituttet selv - der er underlagt en EF-godkendelsesprocedure.
With regard to the use of both external and an institution's own estimates or internal ratings, account should be taken of the fact that, at present, only the latter are drawn up by an entity – the financial institution itself – which is subject to a Community authorisation process.
I tilfælde af eksterne ratings anvendes produkter fra såkaldte ratingagenturer, som for tiden ikke er underlagt en godkendelsesprocedure i Fællesskabet.
In the case of external ratings use is made of the products of what are known as recognised rating agencies, which in the Community are not currently subject to an authorisation process.
På grund af de eksterne ratings vigtige rolle for beregningen af minimumskapitalkravene efter dette direktiv er der behov for løbende at vurdere relevante fremtidige godkendelses- og tilsynsprocedurer.
In view of the importance of external ratings in connection with the calculation of capital requirements under this Directive, appropriate future authorisation and supervisory process for rating agencies need to be kept under review.
Minimumskapitalkravene bør være proportionale med risiciene.
The minimum capital requirements should be proportionate to the risks addressed.
Kravene bør navnlig afspejle, at det er muligt at mindske risikoniveauet gennem et stort antal relativt små engagementer.
In particular the reduction in risk levels deriving from having a large number of relatively small exposures should be reflected in the requirements.
Bestemmelserne i dette direktiv overholder proportionalitetsprincippet, idet der navnlig tages hensyn til kreditinstitutternes forskelligartethed, når det gælder transaktionernes størrelse og omfang samt kreditinstitutternes forskellige aktiviteter.
The provisions of this Directive respect the principle of proportionality, having regard in particular to the diversity in size and scale of operations and to the range of activities of credit institutions.
Overholdelsen af proportionalitetsprincippet betyder også, at så enkle ratingprocedurer som muligt, også ved brug af metoden med interne ratings ("IRB-metoden"), kan anvendes for detailengagementer.
Respect of the principle of proportionality also means that the simplest possible rating procedures, even in the Internal Ratings Based Approach ("IRB Approach"), are recognised for retail exposures.
Dette direktivs "evolutionære karakter" gør det muligt for kreditinstitutter at vælge mellem tre metoder af forskellig beskaffenhed.
The "evolutionary" nature of this Directive enables credit institutions to choose amongst three approaches of varying complexity.
For navnlig at give mindre kreditinstitutter mulighed for at vælge den mere risikofølsomme IRB-metode bør de kompetente myndigheder gennemføre bestemmelserne i artikel 89, stk. 1, litra a) og b), når dette er relevant.
In order to allow especially small credit institutions to opt for the more risk-sensitive IRB Approach, the competent authorities should implement the provisions of Article 89(1)(a) and (b) whenever appropriate.
Disse bestemmelser bør forstås således, at de i artikel 86, stk. 1, litra a) og b) anførte risikoklasser omfatter alle risici, som - direkte eller indirekte - sidestilles med dem i dette direktiv.
Those provisions should be read as such that exposure classes referred to in Article 86(1)(a) and (b) include all exposures that are, directly or indirectly, put on a par with them throughout this Directive.
Som hovedregel bør de kompetente myndigheder ikke diskriminere mellem de tre metoder, når det gælder tilsynsprocessen, det vil sige, at institutter, som opererer efter bestemmelserne i standardmetoden, ikke alene af den grund bør være underlagt strengere bestemmelser.
As a general rule, the competent authorities should not discriminate between the three approaches with regard to the Supervisory Review Process, i.e. credit institutions operating according to the provisions of the Standardised Approach should not for that reason alone be supervised on a stricter basis.
Metoder til reduktion af kreditrisikoen bør i stigende grad anerkendes inden for rammerne af bestemmelser, der skal sikre, at solvensen ikke undermineres som følge af en tilfældig anerkendelse.
Increased recognition should be given to techniques of credit risk mitigation within a framework of rules designed to ensure that solvency is not undermined by undue recognition.
Så vidt muligt bør sædvanlig sikkerhed i de enkelte medlemsstater til reduktion af kreditrisikoen anerkendes i standardmetoden, men også i andre metoder.
The relevant Member States' current customary banking collateral for mitigating credit risks should wherever possible be recognised in the Standardised Approach, but also in the other approaches.
For at sikre, at risiciene og risikoreduktionen som følge af kreditinstitutternes securitisationsaktiviteter og investeringer på passende vis afspejles i minimumskapitalkravene til kreditinstitutter, er det nødvendigt at medtage bestemmelser, der sikrer en risikofølsom og tilsynsmæssigt sund behandling af sådanne aktiviteter og investeringer.
In order to ensure that the risks and risk reductions arising from credit institutions' securitisation activities and investments are appropriately reflected in the minimum capital requirements of credit institutions it is necessary to include rules providing for a risk-sensitive and prudentially sound treatment of such activities and investments.
Den operationelle risiko udgør en væsentlig risiko for kreditinstitutter, som skal dækkes via egenkapitalen.
Operational risk is a significant risk faced by credit institutions requiring coverage by own funds.
Der bør i denne forbindelse specielt tages hensyn til inddragelse af forsikringer i de enkle metoder til beregning af kapitalkravene i forbindelse med den operationelle risiko.
Particular attention should be paid in this regard to taking insurance into account in the simple approaches to calculating capital requirements for operational risk.
For at sikre, at kreditinstitutterne i en koncern er tilstrækkelig solvente, er det vigtigt, at minimumskapitalkravene anvendes på grundlag af koncernens konsoliderede finansielle situation.
In order to ensure adequate solvency of credit institutions within a group it is essential that the minimum capital requirements apply on the basis of the consolidated financial situation of the group.
For at sikre, at egenkapitalen er fordelt hensigtsmæssigt inden for koncernen og efter behov står til rådighed til beskyttelse af opsparinger, bør minimumskapitalkravene gælde for det individuelle kreditinstitut i en koncern, medmindre dette mål kan nås effektivt på en anden måde.
In order to ensure that own funds are appropriately distributed within the group and available to protect savings where needed, the minimum capital requirements should apply to individual credit institutions within a group, unless this objective can be effectively otherwise achieved.
De væsentligste regler om overvågning af og kontrol med kreditinstitutters store engagementer bør harmoniseres.
The essential rules for monitoring large exposures of credit institutions should be harmonised.
Medlemsstaterne bør kunne fastsætte strengere bestemmelser end dem, der foreskrives i dette direktiv.
Member States should still be able to adopt provisions more stringent than those provided for by this Directive.
Overvågning af og kontrol med kreditinstitutters engagementer bør indgå som et integreret led i tilsynet med disse institutter.
The monitoring and control of a credit institution's exposures should be an integral Part of its supervision.
Da der mellem kreditinstitutterne på det indre marked hersker direkte konkurrence, bør tilsynskravene være lige byrdefulde i hele Fællesskabet.
Since credit institutions in the internal market are engaged in direct competition, monitoring requirements should be equivalent throughout the Community.
Selv om det er hensigtsmæssigt for at sætte loft over store engagementer at basere definitionen af engagementer på definitionen af kreditrisiko med henblik på minimumsegenkapitalkravene, er det principielt ikke hensigtsmæssigt at anvende risikovægtningerne og risikograderne.
While it is appropriate to base the definition of exposures for the purposes of limits to large exposures on that provided for the purposes of minimum own funds requirements for credit risk, it is not appropriate to refer on principle to the weightings or degrees of risk.
Formålet med disse vægtninger og disse risikograder er at opstille et generelt solvenskrav for kreditinstitutters kreditrisici.
Those weightings and degrees of risk were devised for the purpose of establishing a general solvency requirement to cover the credit risk of credit institutions.
For at begrænse et kreditinstituts maksimale risiko for tab på en kunde eller gruppe af indbyrdes forbundne kunder er det hensigtsmæssigt at vedtage regler for medregning af store engagementer, hvor der tages hensyn til deres pålydende værdi, uden nogen risikovægtning eller klassificering efter risikograd.
In order to limit the maximum loss that a credit institution may incur through any single client or group of connected clients it is appropriate to adopt rules for the determination of large exposures which take account of the nominal value of the exposure without applying weightings or degrees of risk.
Selv om det, indtil der sker en yderligere gennemgang af bestemmelserne vedrørende store engagementer, er ønskeligt, at det bliver muligt at anerkende virkningerne af kreditrisikoreduktion på samme måde, som det er tilfældet i forbindelse med minimumskapitalkravene for derved at begrænse beregningskravene, blev reglerne vedrørende kreditrisikoreduktion udformet på baggrund af den generelle forskelligartede kreditrisiko som følge af engagementer over for et stort antal modparter.
While it is desirable, pending further review of the large exposures provisions, to permit the recognition of the effects of credit risk mitigation in a manner similar to that permitted for minimum capital requirement purposes in order to limit the calculation requirements, the rules on credit risk mitigation were designed in the context of the general diversified credit risk arising from exposures to a large number of counterparties.
Der bør derfor gælde en række forsigtighedshensyn for anerkendelse af virkningerne af sådanne teknikker for at begrænse store engagementer og derved det maksimumstab, kreditinstituttet kan lide som følge af en enkelt kunde eller en gruppe af indbyrdes forbundne kunder.
Accordingly, recognition of the effects of such techniques for the purposes of limits to large exposures designed to limit the maximum loss that may be incurred through any single client or group of connected clients should be subject to prudential safeguards.
Når et kreditinstitut indgår engagementer med sit moderselskab eller med andre datterselskaber af dette moderselskab, bør forsigtigheden skærpes.
When a credit institution incurs an exposure to its own parent undertaking or to other subsidiaries of its parent undertaking, particular prudence is necessary.
Alle kreditinstitutters engagementer bør forvaltes autonomt i overensstemmelse med god bankpraksis og helt uafhængigt af ethvert andet hensyn.
The management of exposures incurred by credit institutions should be carried out in a fully autonomous manner, in accordance with the principles of sound banking management, without regard to any other considerations.
Dersom personer, der direkte eller indirekte besidder en kvalificeret andel af et kreditinstituts kapital, gør deres indflydelse gældende på en måde, der vil kunne skade en sund og forsigtig ledelse af instituttet, skal de kompetente myndigheder træffe de fornødne foranstaltninger til at bringe denne situation til ophør.
Where the influence exercised by persons directly or indirectly holding a qualifying participation in a credit institution is likely to operate to the detriment of the sound and prudent management of that institution, the competent authorities should take appropriate measures to put an end to that situation.
Der bør desuden opstilles særlige regler, herunder strengere restriktioner for et kreditinstituts store engagementer med andre virksomheder inden for samme koncern.
In the field of large exposures, specific standards, including more stringent restrictions, should be laid down for exposures incurred by a credit institution to its own group.
Disse regler bør dog ikke gælde, når moderselskabet er et finansielt holdingselskab eller et kreditinstitut, og når de andre datterselskaber er kreditinstitutter, finansieringsinstitutter eller virksomheder, der udøver accessorisk virksomhed, når de alle indgår i et konsolideret tilsyn med kreditinstituttet.
Such standards need not, however be applied where the parent undertaking is a financial holding company or a credit institution or where the other subsidiaries are either credit or financial institutions or undertakings offering ancillary services, provided that all such undertakings are covered by the supervision of the credit institution on a consolidated basis.
Kreditinstitutterne bør sikre, at de har en intern kapital, som i lyset af de risici, de er eller kan blive udsat for, er af en passende størrelse og kvalitet og er hensigtsmæssigt fordelt.
Credit institutions should ensure that they have internal capital that, having regard to the risks to which they are or may be exposed, is adequate in quantity, quality and distribution.
Kreditinstitutter bør derfor etablere strategier og processer for evaluering og opretholdelse af en passende intern kapital.
Accordingly, credit institutions should have strategies and processes in place for assessing and maintaining the adequacy of their internal capital.
De kompetente myndigheder har ansvaret for at forvisse sig om, at kreditinstitutter har en god organisation og en passende egenkapital i lyset af de risici, de er eller kan blive udsat for.
Competent authorities have responsibility to be satisfied that credit institutions have good organisation and adequate own funds, having regard to the risks to which the credit institutions are or might be exposed.
For at sikre, at det indre marked på bankområdet fungerer effektivt, bør Det Europæiske Banktilsynsudvalg bidrage til at sikre en ensartet anvendelse af dette direktiv og konvergens i tilsynspraksis i hele Fællesskabet, og det bør hvert år aflægge rapport til Fællesskabets institutioner om de fremskridt, der er sket.
In order for the internal banking market to operate effectively the Committee of European Banking Supervisors should contribute to the consistent application of this Directive and to the convergence of supervisory practices throughout the Community, and should report on a yearly basis to the Community institutions on progress made.
Af samme årsager og for at sikre, at kreditinstitutter i Fællesskabet, der er aktive i flere medlemsstater, ikke pålægges uforholdsmæssigt store byrder som følge af det ansvar, der fortsat påhviler den enkelte medlemsstats myndigheder med kompetence for tilladelser og tilsyn, er det vigtigt i væsentlig grad at øge samarbejdet mellem de kompetente myndigheder.
For the same reason, and to ensure that Community credit institutions which are active in several Member States are not disproportionately burdened as a result of the continued responsibilities of individual Member State competent authorities for authorisation and supervision, it is essential to significantly enhance the cooperation between competent authorities.
I den forbindelse bør den konsoliderede tilsynsmyndigheds rolle styrkes.
In this context, the role of the consolidating supervisor should be strengthened.
Det Europæiske Banktilsynsudvalg bør støtte og udvide et sådant samarbejde.
The Committee of European Banking Supervisors should support and enhance such cooperation.
Tilsyn med kreditinstitutter på et konsolideret grundlag tager især sigte på at beskytte kreditinstitutternes indskydere og sikre stabiliteten af det finansielle system.
Supervision of credit institutions on a consolidated basis aims at, in particular, protecting the interests of the depositors of credit institutions and at ensuring the stability of the financial system.
Med henblik på at sikre effektiviteten af tilsynet på et konsolideret grundlag bør det derfor kunne anvendes over for samtlige bankkoncerner, herunder sådanne, hvor moderselskabet ikke er et kreditinstitut.
In order to be effective, supervision on a consolidated basis should therefore be applied to all banking groups, including those the parent undertakings of which are not credit institutions.
De kompetente myndigheder bør have adgang til de retsmidler, der er nødvendige for at gennemføre et sådant tilsyn.
The competent authorities should hold the necessary legal instruments to be able to exercise such supervision.
Hvad angår koncerner, der driver virksomhed af forskelligartet karakter, og hvis moderselskaber kontrollerer mindst ét datterselskab, der er et kreditinstitut, bør de kompetente myndigheder sikres mulighed for at vurdere kreditinstituttets finansielle situation inden for rammerne af disse koncerner.
In the case of groups with diversified activities where parent undertakings control at least one credit institution subsidiary, the competent authorities should be able to assess the financial situation of a credit institution in such a group.
De kompetente myndigheder bør mindst have mulighed for at indhente de oplysninger fra samtlige virksomheder i koncernen, der er nødvendige for udøvelsen af deres hverv.
The competent authorities should at least have the means of obtaining from all undertakings within a group the information necessary for the performance of their function.
Der bør etableres et samarbejde mellem de ansvarlige tilsynsmyndigheder inden for de forskellige finansielle sektorer, når tilsynet vedrører koncerner af virksomheder, der udøver forskellige typer finansiel virksomhed.
Cooperation between the authorities responsible for the supervision of different financial sectors should be established in the case of groups of undertakings carrying on a range of financial activities.
Mens medlemsstaterne afventer en senere samordning, kan de foreskrive passende konsolideringsmetoder med henblik på at nå det med dette direktiv tilstræbte mål.
Pending subsequent coordination, the Member States should be able to lay down appropriate methods of consolidation for the achievement of the objective of this Directive.
Medlemsstaterne bør kunne tilbagekalde eller undlade at meddele tilladelse til udøvelse af bankvirksomhed, hvis der er tale om koncernstrukturer, som de anser for uegnede til bankvirksomhed, bl.a. fordi der ikke vil kunne føres et tilfredsstillende tilsyn med denne virksomhed.
The Member States should be able to refuse or withdraw banking authorisation in the case of certain group structures considered inappropriate for carrying on banking activities, in particular because such structures could not be supervised effectively.
Med henblik herpå bør de kompetente myndigheder have de nødvendige beføjelser til at sikre en sund og forsigtig forvaltning af kreditinstitutter.
In this respect the competent authorities should have the necessary powers to ensure the sound and prudent management of credit institutions.
For at øge effektiviteten af det indre marked på bankområdet og sikre borgerne i Fællesskabet en passende grad af gennemsigtighed er det nødvendigt, at de kompetente myndigheder på en måde, der gør det muligt at foretage en meningsfuld sammenligning, offentliggør oplysninger om, hvordan dette direktiv gennemføres.
In order for the internal banking market to operate with increasing effectiveness and for citizens of the Community to be afforded adequate levels of transparency, it is necessary that competent authorities disclose publicly and in a way which allows for meaningful comparison the manner in which this Directive is implemented.