natgillin/translations-raw huggingface dataset:
The capitalisation and financing of banks Other factors affecting loan supply 
Pankade kapitaliseeritus ja rahastamine Muud laenupakkumist mõjutavad tegurid
The capitalisation and financing of banks 
Pankade kapitaliseeritus ja rahastamine
The capitalisation of banks is still good and, according to stress tests, they are strong enough to cope, should the more negative scenarios of Eesti Pank’s economic forecast materialise. 
Pankade kapitaliseeritus on endiselt hea ja tugevusanalüüside põhjal on nad piisavalt tugevad, et tulla toime ka Eesti Panga majandusprognoosi negatiivsemate arengustsenaariumide teostumisel.
The capitalisation of banks is still high. 
Pankade kapitaliseeritus on jätkuvalt hea.
The capitalisation of banks continues to be high, ensuring that the current complicated economic situation is being coped with. 
Pankade kapitaliseeritus on jätkuvalt piisavalt kõrgel tasemel tulemaks toime praeguse keerulise olukorraga majanduses.
The capitalisation of banks has generally increased, but varies between countries. 
Pankade kapitaliseeritus on üldjoontes kasvanud, kuid tase on riigiti erinev.
Tight loan conditions of banks and weakening of inhabitants’ certainty restricted their possibilities to improve the living conditions and decreased orders on construction of residential buildings. 
Pankade karmistunud laenutingimused ja elanike kindlustunde nõrgenemine majanduslanguse tingimustes piirasid nende võimalusi elamistingimusi parandada ja vähendasid uute eluhoonete tellimusi.
Stronger capital requirements and other new regulations applied to banks imply that we can expect a separation of wheat from the chaff in the European financial sector in the upcoming years. 
Pankade karmistuvad kapitalinõuded ja muud regulatsioonid tähendavad samuti seda, et võime ilmselt lähiajal piltlikult oodata terade eristumist sõkaldest Euroopa finantssektoris.
The banks’ profitability, on the other hand, has improved remarkably, compared to the previous period (see Figure 15). 
Pankade kas u mlikku s seevastu on võrreldes eelmise aastaga märgatavalt paranenud (v t joonis 15 ).
Provisions and pre-provision profits of banks 
Pankade kasum enne allahindlusi ja allahindlused
Banks’ profit growth has been supported by the continuous expansion of loan portfolios and the rise in key interest rates. 
Pankade kasumi kasvu on endiselt toetanud nii laenuportfellide mahu pidev suurenemine kui ka baasintressimäärade kasv.
Extremely low interest margins limit banks’ opportunities to earn income on the domestic market. 
Pankade kasumiteenimise võimalusi koduturul piiravad väga madalad intressimarginaalid.
This manifests itself in smaller net interest incomes and lower profitability (see also Section Profitability). 
Pankade kasumites kajastub see puhta intressitulu vähenemisena (vt ka alapeatükk Kasumlikkus).
In 2010, banks’ profitability was fuelled primarily by the decline in loan losses. 
Pankade kasumlikkus kasvas 2010. aastal eelkõige laenukahjumite vähenemise tõttu.
The profitability of banks remained strong in 2013 despite low base interest rates and modest demand for loans from clients. 
Pankade kasumlikkus püsis 2013. aastal madalatest baasintressimääradest ja klientide mõõdukast laenunõudlusest hoolimata tugev.
Profitability of banks 
Pankade kasumlikkus
The policy has reduced the sources of profit for the banks, but the banks are now better capitalised than they were some years back. 
Pankade kasumlikkuse allikaid on see poliitika vähendanud, samas on pangad praegu paremini kapitaliseeritud kui mõni aasta tagasi.
As regards the future profitability banks, different business models of groups and thus also opportunities for coping in a more complicated economic environment should be taken into consideration. 
Pankade kasumlikkuse arengu puhul tuleb arvestada gruppide erinevaid ärimudeleid ja seega ka erinevaid võimalusi keerulisemas majanduskeskkonnas toime tulla.
The level and the dynamics of the profitability of banks vary in different countries around Europe, but in general there has been a decline in profitability (see Figure 1.1.6). 
Pankade kasumlikkuse tase ja dünaamika on Euroopas riigiti erinev, kuid üldjoontes on siiski täheldatav kasumlikkuse langustrend (vt joonis 1.1.6).
The profitability of the banks is affected strongly by changes in interest income, which is sensitive to movements in market interest rates. 
Pankade kasumlikkusele avaldab suurimat mõju intressitulu muutus, mis on tundlik turuintressimäärade arengu suhtes.
However, the profitability of banks has this year been influenced more by lower dividend income by subsidiaries – the profits were retained in the subsidiaries and not paid as dividends. 
Pankade kasumlikkusele on aga rohkem mõju avaldanud see, et tütarettevõtetest ei võetud sel aastal kasumit dividendidena välja.
The profitability of the banks was cut somewhat only by the very low base interest rates, as the reduction in interest income had more of an impact than the reduction in interest expenses. 
Pankade kasumlikkust kärpis mõnevõrra vaid väga madal baasintressimäärade tase, mis mõjutas pankade intressitulu langust rohkem kui kahanenud intressikulu.
The profitability of banks has been influenced by the increase in funding costs, an increase in writedowns of claims accompanying the change in the current phase of the economic cycle, and developments on financial markets. 
Pankade kasumlikkust on mõjutanud ressursihindade kallinemine, majandustsükli faasi muutusega kaasnev nõuete allahindluste kasv ning ebasoodne areng finantsturgudel.
The profitability of banks has been influenced by an increase in funding costs, an increase in writedowns of claims accompanying the change in the current phase of the economic cycle, and developments on financial markets. 
Pankade kasumlikkust on mõjutanud ressursihindade kallinemine, majandustsükli faasi muutusega kaasnev nõuete allahindluste kasv ning ebasoodne areng kapitaliturgudel.
The profitability of banks has been supported by the rise in key interest rates. 
Pankade kasumlikkust on soodustanud baasintressimäärade tõus.
Over the last year, the profitability of banks has been curbed by loan writedowns, unfavourable developments in financial markets and slowing credit growth (see also Figure 11). 
Pankade kasumlikkust on viimase aasta jooksul kärpinud varade allahindlused, kapitaliturgude areng ning laenuportfellide kasvu aeglustumine (vt ka joonis 11).
In recent periods, the profitability of banks has been curbed by loan writedowns, unfavourable developments in financial markets and slowing credit growth. 
Pankade kasumlikkust on viimastel perioodidel kärpinud varade allahindlused, kapitaliturgude areng ning laenuportfellide kasvu aeglustumine.
In recent quarters, the profitability of banks has been supported also by several one-off factors. 
Pankade kasumlikkust on viimastes kvartalites toetanud ka mitmed ühekordsed tegurid.
It was boosted by growing loan portfolios and the withdrawal of exceptional profit from subsidiaries. 
Pankade kasumlikkust toetas eelkõige laenuportfellide kasv ning erakorraline kasumi väljavõtmine tütarettevõtetest.
In 2006, banks’ profitability was supported by the continuing growth of both the loan volume and key interest rates as well as by the relatively low costs of loan writedowns (see Figure 8). 
Pankade kasumlikkust toetasid 2006. aastal nii laenumahu ja baasintressimäärade jätkuv kasv kui ka suhteliselt madalad laenude allahindluskulud (vt joonis 8).
Interest income in the amount of 1,024,139 euros (656,892 euros in 2010) was received from enterprise loans issued through banks and directed within the programme "Additional support programme for improvement of the availability of loan capital for entrepreneurs" to the fund of the measure, please see also Annex 17 
Pankade kaudu antud ettevõtluslaenudelt saadi intressitulu, mis suunati meetme "Ettevõtjate laenukapitali kättesaadavuse parandamise täiendav tugiprogramm" raames meetme fondi 1 024 139 eurot (2010. a 656 892 eurot), vt ka lisa 17
From housing loans issued by the predecessor of KredEx, Foundation Eesti Eluase, 2974 thousand euros were received in 2011, interest of housing loans 6 8% per year. 
Pankade kaudu KredExi eelkäija SA Eesti Eluase poolt antud eluasemelaenudest laekus 2011. aastal tagasi 297,4 tuhat eurot, eluasemelaenude intress oli 6-8% aastas.
About 70% of the applications mediated through banks were granted guarantee contracts. 
Pankade kaudu laekunud taotlustest jõudis garantiilepingu sõlmimiseni ca 70%.
Capital inflow via banks(1) 
Pankade kaudu vahendatud kapital(1)
However, in the past two quarters the share of deposits in banks’ total balance sheets has changed (see Figure 3). 
Pankade kaupa on hoiuste osakaal viimase kahe kvartali jooksul siiski muutunud (vt joonis 3).
The general satisfaction of customer account managers of banks with the customer service of KredEx was continually high in year 2010 88% of customer account managers are satisfied. 
Pankade kliendihaldurite üldine rahulolu KredExi klienditeenindusega oli 2010. aastal jätkuvalt kõrge - rahul on 88% kliendihalduritest.
Banks’ liabilities by remaining maturity and time deposits as a ratio of total deposits 
Pankade kohustused järelejäänud tähtaegade kaupa ja tähtajaliste hoiuste osakaal klientide hoiustes
Banks’ liabilities to non-resident credit institutions by maturity 
Pankade kohustused mitteresidentsete finantsettevõtete ees tähtaegade järgi
Banks’ liabilities by maturity 
Pankade kohustused tähtaja järgi
Banks’ liabilities to external creditors by remaining maturities 
Pankade kohustused välisrahastajate ees järelejäänud tähtaegade kaupa
In 2008, the central bank left the banks’ reserve requirement unchanged at comparatively high 
Pankade kohustusliku reservi määra keskpank 2008. aastal ei muutnud, see jäi kõrgele
Structure of banks’ liabilities 
Pankade kohustuste struktuur
This will increase competition between banks, which will lead them to improve the offers they make to their clients. 
Pankade konkurents suureneb, mis omakorda tähendab paremaid pakkumisi klientidele.
Competition between banks for new borrowers is relatively moderate despite their good capitalisation and funding. 
Pankade konkurents uute laenuklientide pärast on vaatamata heale kapitaliseeritusele ja rahastatusele suhteliselt mõõdukas.
The banks’ conservative assessment of credit risk is expressed in the high share of writedowns. 
Pankade konservatiivne hinnang krediidiriskile väljendub allahindluste kõrges määras.
Accounts of banks and other current liabilities 
Pankade kontod ja muud jooksvad kohustused
Banks’ total costs comprised 46% of returns in 2006. 
Pankade koondarvestuses moodustasid kulud tuludest 2006. aastal 46%.
Banks’ consolidated balance sheet witnessed a rise mainly in the share of subordinated liabilities. 
Pankade koondbilansis kasvas eelkõige allutatud kohustuste osakaal.
Structure of banks’ aggregate assets (EEK bn) 
Pankade koondvarade struktuur (mld kr)
Thanks to their high capitalisation and their small exposure in countries with problematic public finances, the Nordic banks are relatively better positioned compared to many other banks in Europe, as regards the uncertain funding situation. 
Pankade kõrge kapitaliseeritus ja vähene otsene seotus probleemse riigirahandusega riikidega annab neile mõningase turvavaru.
Banks’ assets of higher liquidity (% of total assets) 
Pankade kõrgema likviidsusega nõuded (% varadest)
However, banks’ liabilities with a maturity of up to two days exceed 
Pankade kuni kahepäevased kohustused ületavad sama tähtajaga nõudeid siiski ligi
Banks' quarterly net profit and net loan losses (EUR million) 
Pankade kvartaalne puhaskasum ja netolaenukahjumid (miljonit eurot)
In order to describe lower lending activity of banks and tightening of loan conditions, the term ‘credit crunch’ is often used. 
Pankade laenuandmise vähendamist ja laenutingimuste karmistamist kirjeldatakse tihti ingliskeelse terminiga „credit crunch”.
Measures to support bank lending and money market activity 
Pankade laenuandmist ja rahaturgude aktiivsust toetavad meetmed
The willingness of banks to lend has not changed much in spite of the expected fall in corporate profitability over the next years. 
Pankade laenuandmisvalmidus ei ole seni oluliselt muutunud, vaatamata ettevõtete kasumikasvu oodatavale pidurdumisele järgnevatel aastatel.
This means that the pricing of bank loans is not under much pressure from competition, allowing prices to be based on the characteristics of the borrower and on risk levels (see Figures 4.3.3 and 4.3.4). 
Pankade laenude hinnastamine ei ole seega konkurentsi tõttu väga survestatud, mis lubab neil lähtuda eelkõige laenuvõtja eripärast ja riskisusest (vt joonis 4.3.3 ja 4.3.4).
In the coming years, however, banks’ lending behaviour will be largely affected by the level of loan losses and its effect on the banks’ capital buffers in Estonia as well as in parent banks’ countries of origin. 
Pankade laenukäitumist mõjutab järgnevatel aastatel oluliselt aga laenukahjumite tase ning selle mõju pankade kapitalipuhvrile nii Eestis kui ka emapankade päritolumaades.
For now, the good loan quality indicators of banks show no sign of major problems. 
Pankade laenukvaliteedi head näitajad esialgu veel suurematest probleemidest
The loan quality of the banks is still good. 
Pankade laenukvaliteet püsib jätkuvalt hea.
The loan quality of banks and financial stability could be affected in that people taking payday loans often already have debts to banks. 
Pankade laenukvaliteeti ja finantsstabiilsust võib aga mõjutada see, et sageli on kiirlaenuvõtjatel juba enne kohustusi ka pankade ees.
Banks’ lending depends on their estimates to the borrowers’ risk levels. 
Pankade laenupakkumine sõltub pankade hinnangust laenuvõtjate riskitasemele.
Banks’ credit supply can be reduced also if the expected loan losses do not pose problems with meeting the capital adequacy requirement but banks want to retain more equity capital. 
Pankade laenupakkumise vähenemine on võimalik ka juhul, kui oodatavad laenukahjumid ei põhjusta otseseid probleeme kapitali adekvaatsuse määra täitmisel, kuid pangad soovivad hoida varasemast rohkem omakapitali.
The lending capacity of banks 
Pankade laenupakkumise võime
Bank lending was supported by relatively rapid growth in deposits, which grew for Estonian companies and households by 9% over the year. 
Pankade laenupakkumist omakorda toetas võrdlemisi kiire hoiusekasv: Eesti ettevõtete ja majapidamiste hoiused suurenesid aastaga 9%.
Banks' loan portfolio (EEK mn) and share of foreign currency loans (%) 
Pankade laenuportfell (mln kr) ja välisvaluutalaenude osatähtsus selles (%)
Credit portfolio of banks Loan repayment ability of companies Loan repayment ability of households Quality of assets 
Pankade laenuportfell Ettevõtete laenumaksevõime Majapidamiste laenumaksevõime Varade kvaliteet
The credit portfolio of banks contains an increasing amount of loans issued to real estate- related sectors. 
Pankade laenuportfell hõlmab üha enam kinnisvaraga seotud sektoritesse väljastatud laene.
Banks’ Loan Portfolio and Asset Quality 
Pankade laenuportfell ja varade kvaliteet
At the end of February 2011, the credit portfolio of banks totalled 16.3 billion euros. 
Pankade laenuportfell ulatus 2011. aasta veebruari lõpus 16,3 miljardi euroni.
The good quality of banks’ loan portfolios testifies to the fact that so far households and companies have not experienced major difficulties in fulfilling their financial obligations. 
Pankade laenuportfelli hea kvaliteet annab tunnistust sellest, et majapidamistel ja ettevõtjatel ei ole seni ilmnenud suuremaid raskusi võetud finantskohustuste täitmisega.
the quality of banks’ loan portfolios continued to improve in 2012. 
Pankade laenuportfelli kvaliteedi paranemine jätkus 2012. aastal.
The improvement in the quality of the loan portfolio has continued. 
Pankade laenuportfelli kvaliteedi paranemine on jätkunud.
Quality indicators of the loan portfolios of banks have remained high under favourable economic environment. 
Pankade laenuportfelli kvaliteedinäitajad on soodsa majanduskeskkonna toel püsinud head.
The quality of the loan portfolio of the banks has not deteriorated. 
Pankade laenuportfelli kvaliteet ei ole halvenenud.
The quality of the loan portfolio of the banks also improved in 2013. 
Pankade laenuportfelli kvaliteet on paranenud ka 2013. aastal.
Value and growth rate of banks’ credit portfolio and expected growth in 2010–2012 
Pankade laenuportfelli maht, kasvutempo ja prognoos 2010–2012
The banks have to comply with the above norms by 1 January 1996 as regards the already existing commitments. 
Pankade laenuportfellid peavad olema viidud vastavusse uute nõuetega 1.jaanuariks 1996.a.
The loan portfolios of banks had to be harmonised with the new requirements by 1 January 1996. 
Pankade laenuportfellid tuli viia uute nõuetega vastavusse 1. jaanuariks 1996.
The changed market situation has considerably slowed credit growth in the past six months. 
Pankade laenuportfellide kasv on muutunud turuolukorras viimasel poolaastal oluliselt aeglustunud.
The quality of banks’ loan portfolios has remained good during the past two quarters in case of banks as well as banking groups. 
Pankade laenuportfellide kvaliteet on viimase kahe kvartali jooksul püsinud hea nii pankade kui pangagruppide arvestuses.
In the loan portfolios, the rapid absolute and relative growth of the share of credits granted to financial institutions continued. 
Pankade laenuportfellis jätkus finantsasutuste krediteerimise nii absoluutse kui ka suhtelise osatähtsuse kiire kasv.
Customer deposits have continued to provide a favourable source for funding banks’ lending. 
Pankade laenutegevuse rahastamiseks on soodsa hinnaga ressurssi jätkuvalt pakkunud kliendihoiused.
The bank lending survey in Estonia has been conducted for the largest banks in Estonia since the second quarter of 2010 and one question in the surveys asks how lending conditions and credit demand have changed in the past three months. 
Pankade laenutegevuse uuringut on Eesti suuremate pankade hulgas tehtud alates 2010. aasta teisest kvartalist ning selle raames küsitakse, kuidas on laenustandardid ja laenunõudlus viimase kolme kuu jooksul muutunud.
Stricter conditions for bank loansd ecreased household incomes and a weakened sense of security diminished first and foremost the demand for new dwellings. 
Pankade laenutingimuste karmistumine, leibkondade vähenenud sissetulekud ja nõrgenenud kindlustunne vähendasid nõudlust eelkõige uute eluruumide järele.
Stricter bank loan conditions, decreased household incomes, and a weakened sense of security mostly diminished the demand for new dwellings. 
Pankade laenutingimuste karmistuminel eibkondade vähenenud sissetulekud ja nõrgenenud kindlustunne vähendasid nõudlust eelkõige uute eluruumide järele.
The selection of commercial bank loan products is very wide, ranging from ordinary bank loans to operating credit and bonds. 
Pankade laenutoodete valik on väga lai, ulatudes tavalisest pangalaenust käibekrediitide ja võlakirjatoodeteni.
Loans under watch by banks (% of total portfolio) 
Pankade lähema vaatluse alla võetud majapidamiste laenud (% koguportfellist)
Due to bank mergers, part of inter-bank payments were settled intra-bank in 1998. 
Pankade liitumise tõttu arveldati 1998. aastal osa krediidiasutuste vahelistest maksetest krediidiasutuste siseselt.
Banks’ liquid assets and their share in total balance 
Pankade likviidsed varad ja nende osakaal bilansis
Liquid assets and their share in total assets 
Pankade likviidsed varad ja nende osakaal koguvarades
The liquidity of the banks improved considerably in November. 
Pankade likviidsus paranes märgatavalt alles novembris.
In order to discipline the banks' liquidity management, however, it is still mandatory to maintain a 20% daily reserve and these balances can only be used at a penalty interest rate. 
Pankade likviidsusjuhtimise distsiplineerimise eesmärgil jäi 20% reservinõudest siiski igapäevaselt jõusse ja seda osa saab kasutada üksnes trahviintressi eest.
In order to discipline the liquidity management of banks, 20% of the reserve requirement still remained in effect on a daily basis and this could be used only for interest penalties. 
Pankade likviidsusjuhtimise distsiplineerimiseks jäi 20% reservinõudest siiski igapäevaselt jõusse ja seda osa sai kasutada üksnes trahviintressi eest.
The liquidity buffers of the banks were sufficient for making settlements without any disturbances and the demand for intra-day liquidity from Eesti Pank was minimal. 
Pankade likviidsuspuhvrid olid arvelduste sujuvaks toimimiseks piisavad ning pankade vajadus Eesti Pangalt päevasisest laenu võtta oli minimaalne.
The liquidity buffers of the banks continue to be sufficient for the settlement of interbank payments and the liquidity risks are minimal. 
Pankade likviidsuspuhvrid on arveldusteks endiselt piisavad ning likviidsusriskid on minimaalsed.
The liquidity buffers of the banks are sufficient for settlements and the liquidity risks are minimal (see Figure 4.2.2). 
Pankade likviidsuspuhvrid on arveldusteks piisavad ning likviidsusriskid on väga väikesed (vt joonis 4.2.2).
The 15% reserve requirement imposed by Eesti Pank on credit institutions serves for hedging liquidity risk. 
Pankade likviidsusriski maandamisel on abiks Eesti Panga poolt Eestis tegutsevatele krediidiasutustele kehtestatud 15% ne kohustusliku reservi nõue.
The lowest capital adequacy ratio of banks stood at 10.4% at the end of March (see Figure 3.8). 
Pankade madalaim kapitali adekvaatsuse näitaja oli märtsi lõpus 10,4% (vt joonis 3.8).
lowest of banks regulatory minimum 
pankade madalaim näitaja miinimumnõue
lowest ratio of banks 
pankade madalaim näitaja
Depending on write-offs of loans by banks, the actual share of overdue loans may not be the same as the forecast share. 
Pankade mahakandmisotsustest tulenevalt võib tegelik viivislaenude osakaal prognoositust erineda.
Noticeably tighter loan conditions of banks and a decrease in the income of households as well as the overall weakening of confidence due to the economic downturn reduced the demand for new dwellings. 
Pankade märgatavalt karmistunud laenutingimused ning leibkondade sissetulekute vähenemine ja kindlustunde nõrgenemine üldise majanduslanguse tõttu vähendasid nõudlust uute eluhoonete järele.
The individual figures for the banks at the end of January ranged from 113% to 511%. 
Pankade näitajad ulatusid jaanuari lõpu seisuga soolo arvestuses 113%st 511%ni.
At the end of the first quarter, banks’ net own funds reached 18.8 billion kroons on an aggregate basis, which is 5 billion kroons more than at the end of September. 
Pankade netoomavahendid ulatusid koondarvestuses I kvartali lõpus 18,8 miljardi kroonini, mis on 5 miljardit krooni enam kui septembri lõpus.
This meant that the claims of banks on Eesti Pank reached 1.1 billion euros at the end of August 2013, which was more than a quarter of the total stock of liquid assets. 
Pankade nõuded Eesti Pangale ulatusid seetõttu 2013. aasta augusti lõpus 1,1 miljardi euroni, mis moodustab likviidsete varade kogumahust rohkem kui veerandi.
The claims of banks on other banks have shrunk, although they still continue to make up the largest share of liquid assets, accounting for a little over 60%. 
Pankade nõuded teistele pankadele on vähenenud, kuigi moodustasid endiselt põhilise osa ehk pisut üle 60% likviidsetest varadest.
Net positions of banks’ claims and liabilities (% of total assets) 
Pankade nõuete ja kohustuste tähtajalised netopositsioonid (% koguvarast)
The high return on equity of the banking sector fell to 13.6% by the end of 2008. 
Pankade omakapitali tulukus taandus 2008. aasta lõpuks varasemalt kõrgelt tasemelt 13,6% ni.
Banks' return on equity). 
Pankade omakapitali tulukuse näitajad).
Even though own funds decreased in 2010, the capital adequacy ratio rose. 
Pankade omavahendid küll kahanesid 2010. aastal, kuid kapitali adekvaatsuse määr tõusis.
Banks’ own funds have expanded – mostly owing to the inclusion of audited profits of the previous year in the own funds – to 11.9 billion kroons on an aggregate basis by the end of the first quarter. 
Pankade omavahendid on samas suurenenud – peamiselt eelmise aasta auditeeritud kasumite omavahendite hulka kaasamise tõttu – I kvartali lõpuks koondarvestuses 11,9 mld kroonini.