natgillin/translations-raw huggingface dataset:
Loan demand is supported by exceptionally low interest rates in the Euro zone that compensate for the increased risk margins in Central and Eastern Europe. 
Laenunõudlust toetavad euroala erakordselt madalad intressimäärad, mis kompenseerivad riskimarginaalide tõusu Kesk- ja Ida-Euroopas.
Loan claim turnovers were nearly balanced. 
Laenunõuete käibed olid peaaegu tasakaalus.
Lending to the private sector has remained at a historically low level. 
Laenupakkumine erasektorile on ajaloolises võrdluses püsinud madalal tasemel.
Lending to the real sector in the euro area has been modest, and its annual growth1 has remained negative in the second half of 2013, falling to -2.1% in October. 
Laenupakkumine euroala reaalsektorile on tagasihoidlik ja selle aastakasv1 on püsinud negatiivne ka 2013. aasta teisel poolel, langedes oktoobris –2,1%le.
Credit supply Credit demand 
Laenupakkumine Laenunõudlus
A sudden decrease in credit supply may be triggered by various factors. 
Laenupakkumise järsk vähenemine võib olla tingitud erinevatest teguritest.
The impact of a robust credit crunch depends, inter alia, on the relative loan burden of companies and households as well as the relative importance of the banking sector in corporate and household financing. 
Laenupakkumise järsu kahanemise mõju majandusele sõltub muu hulgas sellest, kui suur on ettevõtete ja eraisikute suhteline laenukoormus ja kui oluline on pangasektori osakaal ettevõtete ja eraisikute rahastamisel.
The impact of a credit crunch is the bigger the higher is the loan burden of companies and households. 
Laenupakkumise järsu vähenemise mõju on seda suurem, mida kõrgem on ettevõtete ja eraisikute laenukoormus.
A significant decline in credit supply reduces, ceteris paribus, the value of the collateral ( mostly real estate ). 
Laenupakkumise oluline vähenemine alandab muudel võrdsetel tingimustel tagatisvara ( peamiselt kinnisvara ) väärtust.
The sources of the restrictions may also originate outside Estonia, should the situation in global financial markets tighten again (see Figure 16 ). 
Laenupakkumise piirangu allikad võivad jääda ka väljapoole Eestit, kui olukord maailma finantsturgudel taas pingestub (vt joonis 16 ).
The relatively rapid growth of the credit supply was also facilitated by the changes in commercial banks’ asset management which increased the share of loan portfolios in the balance sheets. 
Laenupakkumise suhteliselt kiiret kasvu soodustas kommertspankade tegevus oma aktivate juhtimisel, mistõttu võrreldes eelnenud aastatega suurenes bilansis laenuportfelli osatähtsus.
A credit crunch inhibits private consumption and investment as customers of the same risk level either have to pay a higher interest rate or comply with some other strict loan terms (such as the self-financing rate, the loan maturity or the quality of the collateral) to receive a loan. 
Laenupakkumise vähenemine pärsib eratarbimist ja investeerimist, kuna sama riskitasemega kliendid peavad laenu saamiseks maksma kas kõrgemat intressi või täitma muid karmimaid tingimusi (nt omafinantseerimise, laenu tähtaja, tagatise kvaliteedi osas).
Thus, decreasing the loan supply might contribute to a slowdown in economic growth. 
Laenupakkumise vähenemine võib aidata kaasa ka majanduskasvu aeglustumisele.
A credit crunch may also be caused by some activities of a government, central bank or a financial supervision authority. 
Laenupakkumise vähenemine võib tuleneda ka valitsuse, keskpanga või finantsjärelevalveasutuse tegevusest.
The credit supply was also boosted to a large extent by tough competition. 
Laenupakkumist ergutas suuresti ka tihe konkurents.
Besides the savings by residents, the banks financed their loan supply from foreign long-term credit resources which are gaining an ever more important role in the lending activities. 
Laenupakkumist finantseerisid pangad lisaks residentide poolt säästetud vahenditele eelkõige üha suuremat tähendust omandanud välismaiste pikaajaliste krediidiressurssidega.
Other factors affecting lending 
Laenupakkumist mõjutavad muud tegurid
Quality of assets and the loan portfolio 
Laenuportfell ja varade kvaliteet
The loan portfolio grew mainly because of increased borrowing by companies in the first half of 2014. 
Laenuportfell kasvas eelkõige tänu ettevõtete suuremale laenuaktiivsusele 2014. aasta esimesel poolel.
The decrease in the loan portfolio has been driven not only by the drop in loan demand stemming from the heightened uncertainty, but also by stricter credit standards applied by banks in the countries affected by the crisis. 
Laenuportfell on kahanenud nii suurest ebakindlusest tingitud laenunõudluse languse kui ka kriisis olevate riikide pankade karmistunud laenustandardite tõttu.
The loan portfolio continued to grow at the same rate at the start of 2015 (see Figure 3.1.1). 
Laenuportfell on kasvanud samas tempos ka 2015. aasta alguses (vt joonis 3.1.1).
At the same time the loan portfolio will decrease and in consequence so will risk assets, which will partly balance out the negative influence from profits on the capital adequacy rate. 
Laenuportfell samal ajal kahaneb ja sellest tingituna vähenevad ka riskivarad, mis tasakaalustab osaliselt kasumite vähenemise negatiivse mõju kapitali adekvaatsuse määrale.
annual credit growth annual deposit growth 
laenuportfelli aastakasv hoiuste aastakasv
net change of loan portfolio writedowns 
Laenuportfelli allahindluse netomuutus
The write-down of the loan portfolio delivered 276,000 kroons in net expenses in 2005. 
Laenuportfelli allahindlusest tulenev netokulu 2005. aastal oli 276 000 krooni.
Loan portfolio by sectors of economy (EEK mn) 
Laenuportfelli jaotus majandussektorite lõikes (mln kr)
The banks’ risk- weighted assets will also decrease due to the continual contraction of the loan portfolio. 
Laenuportfelli jätkuva kahanemise tõttu väheneb ka pankade riskivarade maht.
In the third quarter the contraction in the loan portfolio continued at almost the same pace as in the previous quarter. 
Laenuportfelli kahanemise kiirus ei vähenenud oluliselt ka kolmandas kvartalis.
The fall in the lending portfolio was partly offset by the increasing issuance of corporate bonds (see Figure 1.2). 
Laenuportfelli kahanemist on osaliselt kompenseerinud ettevõtete võlakirjaemissiooni suurenenud mahud (vt joonis 1.2).
The change in key interest rates will pass through to the credit portfolio with a longer lag. 
Laenuportfelli kandub baasintressimäära muutus üle pikema viitajaga.
The loan portfolio grows faster in 2015 and although bank profits are larger than in 2014, capital requirements increase faster than equity. 
Laenuportfelli kasv 2015. aastal kiireneb ning hoolimata pankade suuremast kasumist võrreldes 2014. aastaga kasvavad kapitalinõuded omavahenditest kiiremini.
The loan portfolio will continue to grow at a slower rate than nominal GDP throughout the forecast period, meaning that deleveraging in the economy will continue. 
Laenuportfelli kasv jääb prognoosiperioodi jooksul SKP nominaalkasvust väiksemaks, mis tähendab, et finantsvõimendus majanduses jätkuvalt väheneb.
The loan portfolio grew noticeably more slowly than deposits, meaning that the loans to deposits ratio fell even further over the year and loans and deposits were almost equal in volume for the banking sector as a whole in spring 2014. 
Laenuportfelli kasv oli aga hoiuste kasvust tunduvalt aeglasem, mistõttu laenude-hoiuste suhe alanes aastaga veelgi ning laenude ja hoiuste maht 2014. aasta kevadel pangandussektoris tervikuna peaaegu võrdsustusid.
Growth in the loan portfolio means that capital requirements also increase and the capital adequacy ratio rises to 25.4% by the end of 2014. 
Laenuportfelli kasvu tõttu suurenevad samal ajal ka kapitalinõuded ning kokkuvõttes tõuseb kapitali adekvaatsuse määr 2014. aasta lõpuks 25,4%ni.
The division and movement of the loan portfolio are presented as a table in Annex 5. 
Laenuportfelli koosseis ja liikumine on tabelina esitatud lisas 5.
Although the market situation has improved, the loan quality of some real estate companies deteriorated in the second quarter. 
Laenuportfelli kvaliteedi paranemine aeglustus II kvartalis, kui ettevõtete laenuportfelli lisandus
The improvement in the quality of the loan portfolio supported the profitability of banks. 
Laenuportfelli kvaliteedi paranemine toetas pankade kasumlikkust.
The improvement in the quality of the loan portfolio is also reflected by a reduction in the number of loans restructured because of repayment problems. 
Laenuportfelli kvaliteedi paranemist peegeldab ka laenumakseprobleemide tõttu restruktureeritud laenude vähenemine.
The quality of the loan portfolio shall deteriorate at least till spring 2010, as the income level of companies and households remains low and unemployment rate high. 
Laenuportfelli kvaliteet halveneb vähemalt 2010. kevadeni, kuna ettevõtete ja majapidamiste sissetulekute tase püsib madal ning tööpuudus kõrge.
The quality of the loan portfolio has improved in 2011 mainly due to the write-off of uncollectible receivables. 
Laenuportfelli kvaliteet on 2011. aastal paranenud peamiselt lootusetute nõuete mahakandmise tagajärjel.
The quality of the loan portfolio has deteriorated at a slower pace than feared. 
Laenuportfelli kvaliteet on halvenenud kardetust aeglasemalt.
Quality of the loan portfolio 
Laenuportfelli kvaliteet
Loan stock and annual growth 
Laenuportfelli maht ja aastakasv
The reason behind the statistical decrease of the loan portfolio was the reclassification of some large state enterprises to general government agencies. 
Laenuportfelli statistilise vähenemise põhjustas üksikute suurte riigiettevõtete ümberklassifitseerimine valitsemissektori üksusteks.
Structure of banks’ credit portfolio as at 31/8/2012 
Laenuportfelli struktuur 31.08.2012
The share of commercial real estate loans in the structure of the loan portfolio has risen mainly on the account of a slight decline in the share of industrial sector financing. 
Laenuportfelli struktuuris on kommertskinnisvarasektorile antud laenude osatähtsus suurenenud peamiselt tööstussektori finantseerimise osakaalu mõningase taandumise arvelt.
The structure of the loan portfolio has changed considerably because the different loan segments have different amortisation rates. 
Laenuportfelli struktuuris on suuremaid muutusi põhjustanud portfelli ebaühtlane amortiseeru- miskiirus erinevates laenusegmentides.
The relatively higher increase in the loan portfolio compared to the growth of the money supply can be related to the increase in the share of banks' long-term loan resources. 
Laenuportfelli suhteliselt suuremat kasvu võrreldes rahapakkumise kasvuga võib seostada pankade pikaajalise laenuressursi osatähtsuse suurenemisega.
The quality of the loan portfolio4, measured in loans overdue for more than 60 days, has improved further, as expected. 
Laenuportfelli4 kvaliteet, mõõdetuna üle 60 päeva maksetähtaega ületavates laenudes, on ootuspäraselt veelgi paranenud.
As credit growth has slowed, banks need less additional resources. 
Laenuportfellide kasvu aeglustudes on nõrgenenud ka pankade täiendava ressursi vajadus.
The slowdown in credit growth has brought about a decrease in fee and commission income. 
Laenuportfellide kasvu aeglustumine on eelkõige toonud kaasa teenustasutulude vähenemise.
Data confirming the continuous slowdown in credit growth indicate that the struggle for market shares is being replaced by the desire to ensure the profitability of the funds invested in this region and the confidence of fund providers in the short run. 
Laenuportfellide kasvu jätkuvat aeglustumist kinnitavad andmed viitavad sellele, et võitlus turuosade pärast on asendumas sooviga kindlustada siinsesse regiooni paigutatud kapitali tootlikkust ja ressursipakkujate usaldust lühemas perspektiivis.
The growth rate of loan portfolios has slowed, which is also reflected in the rising share of overdue loans. 
Laenuportfellide kasvukiirus on pidurdunud, seda kajastab ka viivislaenude osatähtsuse kasv.
In light of rapid growth, the quality indicators of loan portfolios have remained on an aggregate basis good also in case of banking groups. 
Laenuportfellide kvaliteedinäitajad on kiire laenukasvutempo juures püsinud head ka pangagruppide koondarvestuses.
Thus, as regards the changes in risk levels of loan portfolios in recent periods mainly earlier trends have continued; the share of loans collateralised by real estate has grown. 
Laenuportfellide riskisuse muutuse seisukohalt on seega viimastel perioodidel valdavalt jätkunud varasemad trendid, kasvanud on kinnisvara tagatisel antud laenude osatähtsus.
The share of household loans is increasing in the structure of loan portfolios, which mainly arises from rapid growth in residential real estate loans. 
Laenuportfellide struktuuris on jätkunud eraisikulaenude osatähtsuse kasvutrend, mis tuleneb peamiselt eraisikute kinnisvaralaenude kiirest kasvust.
the total credit portfolio (see Figure 2). 
laenuportfellis kahanes (vt joonis 2).
A general allowance is set up for losses of the loan portfolio to cover potential but unidentified losses in the loan portfolio. 
Laenuportfellis sisalduvate laenukahjumite katteks on teostatud laenuportfelli üldine allahindlus, katmaks laenuportfellis sisalduvaid võimalikke, otseselt identifitseerimata kahjumeid.
The loan programme with a capacity of approximately 27 million Euros was intermediated by Foundation KredEx in cooperation with banks and leasing companies. 
Laenuprogrammi, mille mahuks on u 27 mln eurot, hakkas vahendama KredEx koostöös pankade ja liisingfirmadega.
loan-loss provisions (left scale) 
laenuprovisjonid (vasak telg)
The continuing inflow of loan money supports a new growth cycle, which should, however, rely more on productivity growth. 
Laenuraha jätkuv sissevool ja edasine sujuv jagamine toetab uut kasvutsüklit, mis peaks aga senisest enam põhinema tootluse kasvul.
The use of loan money is not problematic if it is used in a way that steadily increases the volume of economy. 
Laenuraha kasutamine ei tekita probleeme, kui seda on tehtud viisil, mis majanduse mahtu püsivalt suurendab.
The issuing of CDs was begun in the spring of 1993 first of all in order to develop the market, although the repurchasing transactions allowed to use them also as a liquidity buffer for the base money. 
Laenusertifikaate hakati 1993. aasta kevadest väikeses mahus emiteerima eelkõige turu arendamise eesmärgil, kuid ühtlasi olid need läbi tagasiostutehingute kasutatavad ka baasraha likviidsuspuhvrina.
The figures for the levels of lending conditions and credit demand are entered into the model with a lag of one quarter so that the effect of changes in lending conditions is not counted twice. 
Laenustandardite ja -nõudluse taset iseloomustavad näitajad on lisatud mudelisse ühekvartalise viitajaga, et vältida laenustandardite muutuse mõju topeltarvestamist.
Level of lending conditions (t-1) 
Laenustandardite tase (t-1)
The loan amount is 1-16 million EEK, not exceeding equity capital of the enterprise at the moment of issuing the loan. 
Laenusumma on 1-16 mln krooni, kuid mitte rohkem kui ettevõtte omakapital laenu väljastamise hetkel.
The loan amount was 12 million kroons, the average guarantee amount was 0.3 million kroons and average loan amount 0.4 million kroons. 
Laenusummaks oli 12 mln krooni, keskmiseks käendussummaks kujunes 0,3 mln krooni ja keskmiseks laenusummaks 0,4 mln krooni.
The loan amount was 25.9 million kroons. 
Laenusummaks oli 25,9 mln krooni.
The loan amount was 9 million kroons, the average guarantee amount 0.26 million kroons and the average loan amount 0.35 million kroons. 
Laenusummaks oli 9 mln krooni, keskmiseks käendussummaks kujunes 0,26 mln krooni ja keskmiseks laenusummaks 0,35 mln krooni.
As previously, no limits are set for the loan amount. 
Laenusummale endiselt piiranguid ei seata.
With the help of loan guarantees the banks and leasing companies can lend money to those enterprises whose projects entail higher risks. 
Laenutagatise abil saavad pangad ja liisingfirmad rahastada ka neid Eesti ettevõtteid, kelle projektidega kaasneb kõrgem risk.
Sell-off pressures may cause a larger than expected decline in the value of loan collaterals, which may result in bigger loan losses for banks. 
Laenutagatiste oodatust suurem hinnalangus müügisurve korral võib aga pankadele tuua kaasa suuremad laenukahjud.
It is generally also harder for SMEs to give loan guarantees. 
Laenutagatiste võimalused on VKEdel tavaliselt samuti kehvemad.
The loan servicing reserve might become exhausted faster than expected. 
Laenuteenindamise varu võib ammenduda arvatust kiiremini.
Income growth that supports loan servicing was twice as small. 
Laenuteenindamist toetavate sissetulekute kasv oli sellest aga üle kahe korra väiksem.
Loan-servicing capability and risks 
Laenuteenindamisvõime ja riskid
Lending conditions and interest margins are not expected to change much in the coming years. 
Laenutingimused ja intressimarginaalid ootuste järgi lähiaastatel märkimisväärselt ei muutu.
Loan Conditions 
Laenutingimused
Diffusion index of changes in credit standards 
Laenutingimuste muutust kajastav difusiooniindeks
The credit market has recovered somewhat quicker than was forecast in spring. 
Laenuturg on elavnenud mõnevõrra kiiremini, kui kevadel prognoositi.
The credit market has stabilised, and consumer confidence as well as forward-looking indicators for industry are recovering from the shock. 
Laenuturg on stabiliseerunud ning tarbijate kindlustunne ja tööstuse ennakindikaatorid on šokist taastumas.
The near-term credit market will probably be characterised by a near-standstill with the larger banks operating in Estonia reckoning on better times and on the adoption of the euro. 
Laenuturg püsib lähiajal tõenäoliselt vaikne ning suuremad Eestis tegutsevad pangad ootavad olukorra paranemist ning euro käibelevõttu.
The credit market has been most affected by weak demand. 
Laenuturgu on eelkõige mõjutanud tagasihoidlik nõudlus.
Avoiding a “grinding halt” in the credit market, however, is essential to support a new upward cycle of the economy. 
Laenuturu „äkkpidurdumisest” hoidumine on aga oluline majanduse uue tõusutsükli toetamiseks.
The loan market analysis12 indicates that although large companies have an advantage, banks are willing to take risks and fund projects that are necessary for sustainable economic growth. 
Laenuturu analüüs12 näitab, et kuigi eelisseisus on suurettevõtted, on pangad valmis riske võtma ja rahastama majanduse jätkusuutlikuks kasvuks vajalikke projekte.
As the loan market developed and interest rates on the international money market decreased, the measure no longer served its original purpose and sent the wrong signals to borrowers. 
Laenuturu arenedes ja rahvusvaheliste rahaturu intressimäärade alanedes ei täitnud see aga enam algset eesmärki ja saatis laenuvõtjale ebaõigeid signaale.
The risk to credit market developments results from the increase in general uncertainty in Europe caused by the possible spreading of the debt crisis. 
Laenuturu arengut ohustab üldise ebakindluse kasv Euroopas, mis tuleneb peamiselt võlakriisi võimalikust laienemisest.
The European Central Bank, the Bank of England, the Federal Reserve, and the central banks of Canada, Switzerland and Sweden made coordinated key interest rate cuts by 50 basis points on October 8 in order to boost the loan market. 
Laenuturu elavdamiseks alandasid Euroopa Keskpank, Inglise keskpank, Föderaalreserv, Kanada keskpank, Šveitsi keskpank ja Rootsi keskpank 8. oktoobril koordineeritult baasintressimäära 50 baaspunkti võrra.
The growth potential of the loan market is not infinite. 
Laenuturu kasvuvõime ei ole siiski lõputu.
There are many reasons for the stabilisation of the loan market: the rise in interest rates, the stabilisation of the real estate market and, to some extent, the adjustment of expectations to the future economic environment. 
Laenuturu stabiliseerumise põhjusi on mitu: intressimäärade tõus, kinnisvaraturu stabiliseerumine ning mingil määral ka ootuste kohandumine tulevase majandusolukorraga.
Financial institutions engaged in intermediating credit, such as instant or pay day loan companies, should be classed under shadow banking, as they could pose a systemic risk. 
Laenuvahendusega tegelevad finantsasutused, näiteks kiirlaenufirmad, tuleks lugeda pangandusväliste laenuvahendajate hulka, sest need võivad tekitada süsteemseid riske.
Lending became relatively more restrictive for private individuals - borrowing became more expensive and difficult for them. 
Laenuvõimalused ahenesid kõige enam eraisikute jaoks - neile muutus laenamine kallimaks ja ka oluliselt raskemaks.
Borrowers may also benefit from lower loan interest rates, as a 
Laenuvõtjale peaks leevendust pakkuma ka baasintressimäära languse tõttu alanenud laenuintressimäärad ning
The ferries were built by BLRT Grupp. 
Laevade ehitaja on BLRT Grupp.
Loading of ships accounted for 31.5 million tonnes and unloading for 11.9 million tonnes of last year’s cargo volume. 
Laevade lastimine hõlmas eelmise aasta kaubamahust 31,5 ja lossimine 11,9 miljonit tonni.
Loading of ships accounted for 31.8 million tonnes and unloading for 11.1 million tonnes of last year’s cargo volume. 
Laevade lastimine hõlmas möödunud aasta kaubamahust 31,8 ja lossimine 11,1 miljonit tonni.
The volume of transit cargo loaded onto ships decreased while the volume of unloaded transit goods increased. 
Laevadele lastitud transiitveoste maht vähenes, lossitud transiitveoste oma aga suurenes.
Sea transport declined further in 2009. 
Laevaliiklus vähenes 2009. aasta jooksul jätkuvalt.
In sea tourism several ships have also been taken away from routes but they have been replaced by new ones, eventually resulting in an increase in the number of sea passengers. 
Laevaliikluses on samuti laevu liinidelt ära viidud, kuid asemele on tulnud ka uusi, mis on viimasel ajal pigem tõstnud laevareisijate arvu.
Sea transport had a decline in 2008. 
Laevaliikluses toimus 2008. aasta jooksul muutus vähenemise suunas.
Shipping traffic became also more active in 2010. 
Laevaliikluses toimus 2010. aastal mõõdukas elavnemine.
In 2011, 12 ship accidents were registered in the territorial and inland waters of Estonia; no one was killed in these ship accidents. 
Laevaõnnetusi registreeriti Eesti territoriaalmerel ja sisevetes 2011. aastal 12, õnnetustes hukkunuid ei olnud.
In 2012, 7 ship accidents were registered in the territorial and inland waters of Estonia; no one was killed in these accidents. 
Laevaõnnetusi registreeriti Eesti territoriaalmerel ja sisevetes 2012. aastal 7, õnnetustes hukkunuid ei olnud.
The updating of our fleet and replacement of old small ferries for new ones that are more economic meant that we also had to relocate our employees and re-staff ferries. 
Laevapargi uuendamisega ehk vanade väikeste laevade väljavahetamisega suurte ja ökonoomsemate vastu on tulnud ümber paigutada ja ümber komplekteerida ka laevade meeskonnad.
14 ships were entered into the register of bareboat chartered ships (gross tonnage more than 100). 
Laevapereta prahitud laevade registris oli 14 laeva (kogumahutavusega 100 või üle selle).
14 ships (gross tonnage 100 or more) were listed in the register of bareboat chartered ships. 
Laevapereta prahitud laevade registris oli 14 laeva (kogumahutavusega vähemalt 100).
15 ships were listed in the register of bareboat chartered ships (gross tonnage 100 or more). 
Laevapereta prahitud laevade registris oli 15 laeva (kogumahutavusega vähemalt 100).
16 ships (with the gross tonnage of 100 or more) were entered in the register of bareboat chartered ships. 
Laevapereta prahitud laevade registris oli 16 laeva (kogumahutavusega 100 või üle selle).
The number of passengers by ship in the EU's main ports (there are more than 200,000 passengers a year) remained relatively stable at about 410 million passengers during 2003–2009. 
Laevareisijate arv EL-i põhisadamates (reisijaid on aastas üle 200 000) oli suhteliselt stabiilne – umbes 410 miljonit – aastatel 2003–2009.
The number of international ship passengers increased by 8% in 2010 (from 7.62 million to 8.23 million). 
Laevareisijate arv rahvusvahelistel vedudel kasvas 2010. aastal 8% võrra (7,62 miljonilt 8,23 miljonini).