natgillin/translations-raw huggingface dataset:
Despite the reduction in interest base rates, which lighten the general financial burden, it is difficult to get new loans or find investors due to the confusion in financial markets and the sharp increase in risk fees. 
Kuigi laenude baasintresside langetamine kergendab mõnevõrra üldist finantskoormust, siis uute laenude saamine või investorite leidmine on tänu ebaselgusele finantsturgudel ja hüppeliselt kasvanud riskitasudele keeruline.
Even though the interest rates on the loan stock have risen to some extent over the past six months as a result of the Euribor rising by around 0.25 percentage points, these interest rates are still low, keeping the loan service expenses down. 
Kuigi laenujäägi intressimäärad on viimase kuue kuu jooksul mõnevõrra kerkinud tulenevalt kuue kuu EURIBORi ligi 0,25protsendipunktisest tõusust, on need endiselt madalad, mis hoiab laenu tasumise kulud väiksed.
Although the volume of provisions for covering loan losses is satisfactory, during next periods potential developments in Latvia and Lithuania should also be taken into account. 
Kuigi laenukahjumite katteks tehtud provisjonide maht on rahuldav, tuleks järgnevatel perioodidel siiski silmas pidada ka võimalikke arengusuundumusi Lätis ja Leedus.
Although loan turnover has increased, the increased domestic cash flows from loan repayments and growing deposits have so far been sufficient to bear the domestic loan turnover. 
Kuigi laenukäive on suurenenud, on laenude tagasimaksete ja kasvavate hoiustega seotud kodumaistest rahavoogudest seni piisanud kodumaise laenukäibe toetamiseks.
Although loan turnover has increased, the domestic cash flows from loan repayments and growing deposits have so far been sufficient to bear the domestic loan turnover. 
Kuigi laenukäive on suurenenud, on laenude tagasimaksetest ja kasvavatest hoiustest tulenevatest kodumaistest rahavoogudest seni piisanud kodumaise laenukäibe toetamiseks.
Lending exceeded incoming cash flows in some quarters, but for the year as a whole banks received more in repayments and additional deposits than they issued in loans (see Figure 4.1.3). 
Kuigi laenukäive ületas mõnes kvartalis sissetulevaid rahavooge, olid aasta kokkuvõttes tagasimaksed ja hoiuste juurdekasv laenukäibest suuremad (vt joonis 4.1.3).
Even though the stock of loans has decreased, indebtedness of households remains fairly high. 
Kuigi laenukohustuste maht on vähenenud, püsib majapidamiste võlakoormus siiski võrdlemisi suur.
Although credit growth slowed at the end of the year, banks also had to increase their own funds considerably in 2007 to comply with the capital adequacy requirements. 
Kuigi laenumahu kasv aasta lõpus aeglustus, pidid pangad kapitalinõuete täitmiseks 2007. aastal suurendama oluliselt ka omavahendeid.
Although the growth in loan volumes was falling rapidly and the ratio of the loan burden to the disposable incomes of households was stabilising, the risks related to the rapid growth in loan burdens still remained high. 
Kuigi laenumahu kasv oli hoogsalt raugemas ja laenukoormuse suhe majapidamiste kasutatavasse tulusse stabiliseerumas, olid laenukoormuse kiire kasvuga seotud riskid endiselt kõrged.
Although credit growth is heavily subsiding and the ratio of loan burden to household disposable income is stabilising, the risks related to the rapidly increasing loan burden are still relatively high. 
Kuigi laenumahu kasv on hoogsalt raugemas ja laenukoormuse suhe majapidamiste kasutatavasse tulusse on stabiliseerumas, on laenukoormuse kiire kasvuga seotud riskid endiselt suhteliselt kõrged.
Although loan volumes have started to grow a little in recent years, they are still much smaller than before the crisis. 
Kuigi laenumahud on viimastel aastatel tasapisi kasvama hakanud, on need endiselt palju väiksemad kui enne kriisi.
Although banks have increased loan margins, in the first quarter aggregate net interest margins decreased due to higher funding costs. 
Kuigi laenumarginaale on tõstetud, siis I kvartalis puhas intressimarginaal pigem vähenes kasvanud ressursihinna tõttu.
Although loan stock is declining in nearly all sectors, the structure of the portfolio is still mostly affected by different amortisation of loans, regardless of the somewhat increased new lending volumes. 
Kuigi laenuportfell kahaneb pea kõigis sektorites, avaldab mõnevõrra kasvanud laenukäibele vaatamata portfelli struktuurile jätkuvalt enim mõju erinevat liiki laenude erinev amortisatsioon.
Although growth in the loan portfolio will accelerate to the highest level seen during the years following the economic crisis (see Figure 19), it will remain smaller than nominal GDP growth. 
Kuigi laenuportfelli kasv kiireneb lähiaastatel majanduskriisijärgsete aastate hoogsaimaks (vt joonis 19), jääb see SKP nominaalkasvust siiski väiksemaks.
Although the growth rate of loan portfolios decelerated in the period under analysis, growth in deposits was insufficient to reduce the funding gap between deposits and loans (see Figure 11). 
Kuigi laenuportfellide kasvutempo aeglustus vaadeldaval perioodil, ei piisanud hoiuste mahu kasvust siiski pankade hoiuste-laenude vahelise rahas- tamislõhe vähenemiseks (vt joonis 11).
Though in view of the rapid loan portfolio growth, the ratio of problem loans has recently remained quite low, it is essential that banks retain sufficient conservatism in assessing and hedging risks in order to maintain sustainability. 
Kuigi laenuportfellide kiire kasvu juures on probleemlaenude osatähtsus pankade laenuportfellis püsinud viimastel perioodidel küllaltki mõõdukas, on oluline, et pangad jääksid jätkusuutliku toimimise nimel nii riskide hindamisel kui maandamisel piisavalt konservatiivseks.
Although loan-servicing costs are on the rise, their impact on the financial situation of households is offset by the dynamic growth of net incomes. 
Kuigi laenuteenin- damiskulud tõusevad, tasakaalustab selle mõju majapidamiste finantsseisule netotulude jõuline kasv.
Although loan conditions may slightly ease in the future, it is highly unlikely that loan margins will drop to the exceptionally low levels witnessed some time ago. 
Kuigi laenutingimused võivad edaspidigi mõnevõrra leeveneda, on väga vähetõenäoline, et laenumarginaalid lähiajal vahepealse erakordselt madala tasemeni alanevad.
In the near future the loan stock will be mainly boosted by external-demand oriented business areas, whereas banks’ risk positions will nevertheless include also a large share of loans issued to real-estate related sectors. 
Kuigi lähiaastate laenumahu kasvuvõimekus on suurem välisnõudlusele suunatud ärivaldkondades, hõlmavad pankade riskipositsioonid siiski suures osas kinnisvaraga seotud sektorite laene.
Although Estonia has succeeded in continually gaining market shares, these trends are not expected to go on in the same extent over the forecast horizon. 
Kuigi lähiminevikus on Eestil õnnestunud maailmaturgudel turuosa pidevalt võita, ei eelda prognoos selle arengu jätkumist sarnases ulatuses.
Although near future seems to be more optimistic than early spring, there will be no point in speaking about a steady pick-up in growth if these drawbacks are not eliminated," said Ross. 
Kuigi lähitulevik tundub olevat varakevadest optimistlikum, pole neid ebakohti kõrvaldamata põhjust rääkida kasvu püsivamast kiirenemisest," ütles Ross.
Although the economic development of Lithuania was influenced by the weakness of the banking system and the political instability of the election year, the GDP growth was registered at 3.5%. 
Kuigi Leedu majanduse arengut mõjutas pangandussüsteemi nõrkus ja valimistest tingitud poliitiline ebastabiilsus, suurenes SKP 3,5%.
Companies in Lithuania have been relatively active in investing but careful in their financing, and they have preferred to use other resources for financing their investments1. 
Kuigi Leedus on ettevõtted investeerinud võrdlemisi aktiivselt, on nad investeeringuid rahastanud ettevaatlikult ja eelistanud selleks kasutada ka muid vahendeid1.
Although demands for abandoning the currency board system have gained ground in Lithuania, the policy based on the fixed exchange rate has not been questioned. 
Kuigi Leedus tugevnesid nõuded valuutanõukogu süsteemist loobumiseks, ei vaidlustatud fikseeritud vahetuskursil põhinevat poliitikat.
Ten companies hold around 45% of the deposits abroad, but the growth in such deposits is fairly broad-based. 
Kuigi ligi 45% välismaal asuvatest hoiustest kuuluvad kümnele ettevõttele, võib välismaiste hoiuste kasvu pidada üsna laiapõhjaliseks.
even though the liquidity risk has decreased, to some extent, the funding structure of Swedish banks remains vulnerable, as the proportion of short-term bonds issued by the banks is still relatively high. 
Kuigi likviidsusrisk on mõnevõrra vähenenud, on Rootsi pankade rahastamisstruktuur siiski haavatav, kuna emiteeritud lühiajaliste võlakirjade osakaal on suhteliselt suur.
Although compared to the beginning of the 2000s, the share of new dwellings in urban areas has declined considerably (80% of the dwellings completed in 2000 were situated in urban areas), the urban dwelling stock continues to grow at a faster rate than the rural dwelling stock. 
Kuigi linna ehitatud uute eluruumide osatähtsus on võrreldes 2000. aastate algusega tunduvalt vähenenud (2000. aastal asus linnas 80% kasutusele lubatud eluruumidest), suureneb linnade elamufond endiselt kiirema tempoga kui maapiirkonna oma.
Although the volume of new loans issued has so far been nearly 40% smaller than last year, the low growth rate does not really arise from possible supply-side restrictions to finance new projects. 
Kuigi lisandunud laenumahu kasv on eelmise aastaga võrreldes olnud kuni 40% võrra väiksem, ei saa võimalikku laenuressursi piirangut uute projektide rahastamisel madala kasvutempo ettekäändeks tuua.
Although the creative process takes place in Estonia, such production could also be considered sub-contracting. 
Kuigi loomeprotsess toimub Eestis, võib niisugust tootmist käsitleda ka allhankena.
Despite the fact that Southern Estonia and Ida-Viru county have reported higher unemployment rates than the average since the beginning of the restoration of independence, counties of Southern Estonia have started to recover from this crisis more successfully and one can say that unemployment is becoming mostly an issue for Ida-Viru county. 
Kuigi Lõuna-Eesti ja Ida-Virumaa on kogu taasiseseisvumisaja jooksul olnud keskmisest suurema tööpuudusega piirkonnad, on Lõuna-Eesti maakonnad seekordsest kriisist siiski paremini taastuma hakanud ning võib öelda, et töötus hakkab muutuma enim Ida-Virumaa probleemiks.
Although no increase in the volume of credit-intensive real estate development is expected in the short term, the continued rise in real estate prices may well favour such an increase in the longer term. 
Kuigi lühemas ettevaates ei ole laenumahukate kinnisvaraarenduste mahu suurenemist oodata, võib kinnisvara hindade tõusu jätkumine seda pikemas vaates siiski soodustada.
Although land was purchased for twice as much money as one year earlier, there was a decline for other types of investment. 
Kuigi maad osteti kaks korda suurema summa eest kui aasta varem, toimus ülejäänud investeerimisliikide osas tagasiminek.
Although the developments on the global financial markets have turned the annual yield of riskier pension funds negative, the value of funds has increased by an average of 13–25% since their establishment. 
Kuigi maailma finantsturgude areng on kahandanud pensionifondide riskantsemate fondide aastatootluse negatiivseks, on pensionifondide väärtus nende loomise hetkest tõusnud siiski keskmiselt 13–25%.
Although the global growth outlook is still considered good in view of earlier periods, expectations have nevertheless turned slightly more pessimistic compared to spring. 
Kuigi maailmamajanduse kasvuväljavaateid hinnatakse varasemate perioodide taustal jätkuvalt heaks, on kasvuootused kevadega võrreldes pessimistlikumad.
Although low key interest rates do not facilitate interest income growth, it is still supported by loans with fixed interest rates, for instance. 
Kuigi madalad baasintressimäärad ei soodusta intressitulu kasvu, toetavad seda näiteks fikseeritud intressimääraga laenud.
Low interest rates in the money markets lower the interest burden for borrowers, but they have also pushed banks to cut their deposit interest rates. 
Kuigi madalad rahaturu intressimäärad leevendavad kohati laenuvõtjate intressikoormust, on pangad alandanud ka hoiuseintresse.
While volumes decreased, then the last three years have seen an active expansion period for the oil industry and this has resulted in significantly larger investments than in the past. 
Kuigi mahud vähenesid, siis on viimased kolm aastat olnud õlitööstuse jaoks aktiivse laienemise periood ning see on toonud kaasa varasemast oluliselt suuremad investeeringud.
In terms of volume, 56% of the loans overdue for more than 60 days belong to companies; however, the share of such loans is the largest among consumer credit. 
Kuigi mahult kuulub 56% üle 60 päeva viivises olevatest laenudest ettevõtetele, on selliste laenude osakaal suurim eraisikute tarbimislaenude hulgas.
Although by the beginning of May, the interest rate quotations in the Estonian money market had slightly decreased, the spread between the Talibor and Euribor has remained quite large. 
Kuigi mai alguseks olid Eesti krooni rahaturu noteeringud mõnevõrra alanenud, on TALIBORide hinnavahe EURIBORidega püsinud suhteliselt suur.
Although in May and June a rather abrupt and extensive price fall occurred, it did not influence the generally favourable economic environment and the upward trend picked up again in the second half-year. 
Kuigi mais-juunis leidis aset üsna järsk ja ulatuslik hinnalangus, ei mõjutanud see üldiselt soodsat majanduskeskkonda ning tõusutrend jätkus teisel poolaastal endise hooga.
The labour market situation in Estonia has not yet started to bounce back along with the turn of the growth cycle - employment continued to shrink and unemployment to rise. 
Kuigi majandus juba elavneb, ei ole Eesti tööturg veel taastuma hakanud - hõive jätkas neljandas kvartalis langemist ja tööpuudus suurenemist.
Although the economy is recovering, the crisis’ aftershocks will probably affect the labour market for several years. 
Kuigi majandus on taas hakanud kasvama, kestab kriisi järellainetus tööturul ilmselt veel mitmeid aastaid.
Although economic activity is relatively weak in advanced economies, markets expect global commodity prices to remain high. 
Kuigi majandusaktiivsus on arenenud riikides suhteliselt nõrk, eeldavad turud, et toormehindade tase maailmaturul püsib kõrge.
However, supported by external demand, the economy will continue to grow gradually (see Table 2). 
Kuigi majandusaktiivsus püsib lähiajal madal, suureneb majanduse maht välisnõudluse toel vähehaaval (vt tabel 2).
Although the rate of growth has declined steadily over the past three years, this has not yet had a significant negative effect on households or on the national budget. 
Kuigi majanduse kasvukiirus on viimase kolme aasta jooksul pidevalt aeglustunud, pole sel majapidamiste majanduslikule olukorrale ega riigieelarvele veel märkimisväärset negatiivset mõju olnud.
Although the economy shows some signs of slowing down, Estonian industrial enterprises continue to be successful on foreign markets. 
Kuigi majanduses on märgata mõningaid jahenemise märke, on Eesti tööstusettevõtted jätkuvalt edukad välisturgudel.
Although economic growth will probably slow and inflation may be higher than expected, CEE countries are still able to develop faster than Western Europe. 
Kuigi majanduskasv ilmselt aeglustub ja inflatsioon võib oodatust suurem olla, suudavad KIE riigid siiski Lääne-Euroopast kiiremini areneda.
Although economic growth was weak in 2013, average wages rose ever faster, with rises accelerating from 5.9% in 2012 to 7.8%. 
Kuigi majanduskasv oli 2013. aastal kesine, kiirenes keskmise palga kasv 2012. aasta 5,9%lt eelmisel aastal 7,8%ni.
Although economic growth accelerated in the second quarter, downside risks to its continuation increased as a result of economic sanctions placed on each other by the European Union and Russia, mainly through their effect on the confidence of both consumers and businesses. 
Kuigi majanduskasv teises kvartalis kiirenes, kahandab selle jätkumise kindlust Euroopa Liidu ja Venemaa vastastikuste majandussanktsioonide mõju nii tarbija kui ka ettevõtete kindlustundele.
Although Eesti Pank expects no rapid economic downturn, the peak in economic activity has already been achieved. 
Kuigi majanduskasvu kiiret aeglustumist Eesti Pank ette ei näe, on majandusaktiivsuse kõrgpunkt saavutatud.
Though the peak of economic growth should be at hand or even over, there are no signs of a sudden deceleration in the accumulation of long-term loan-servicing risks yet. 
Kuigi majanduskasvu kõrghetk peaks olema käes või ehk isegi möödas, ei ole paraku veel näha, et laenuteenindamise pikaajaliste riskide kuhjumine võiks järsult pidurduda.
The shocks to economic growth progressed in 5-percentage point steps, but the reaction of the share of overdue loans is not proportional and is stronger in larger shocks. 
Kuigi majanduskasvule antud šokid suurenesid 5-protsendipunktise sammuga, ei ole viivislaenude osakaalu reaktsioon proportsionaalne, vaid suuremate šokkide suhtes tugevam.
Although the economic crisis brought along a lower unemployment rate for women, the unemployment growth for women lasted for a longer period of time, hitting the maximum level of nearly 15% in the 2nd quarter of 2010. 
Kuigi majanduskriis kasvatas naiste töötusmäära vähem, liikus naiste töötuse kasvukõver ülespoole mõnevõrra kauem, jõudes 2010 III kvartalis maksimumtasemele 15% lähistele.
Despite the fact that economic recession increased the level of unemployment among people with various level of education, half of the unemployed people registered in the Unemployment Insurance Fund have no professional or vocational education (more than one fourth of the registered unemployed have general secondary education). 
Kuigi majanduskriis suurendas töötust igasuguse haridustasemega inimeste seas, on siiski ligi pooled Töötukassas arvelevõetud eriala- või kutsehariduseta (üle veerandi arvelolijatest on üldkeskharidusega).
Although due to the economic crisis, foreign economic policy and business diplomacy have become more active, Estonia does not use diplomacy sufficiently to advance its economy. 
Kuigi majanduskriisist tingituna on välismajanduspoliitika ja äridiplomaatia muutunud aktiivsemaks, ei kasutata Eesti majanduse arendamiseks diplomaatilisi võimalusi piisavalt.
Even though the recession has caused problems with the repayment of debts in Estonia, and the loan losses of the local banks have increased, this will probably not have a major effect on the establishment of future loan conditions. 
Kuigi majanduslangus on Eestis toonud kaasa probleeme võla tagasimaksmisega ja siinsete pankade laenukahjumid on suurenenud, ei mängi see tulevaste laenutingimuste kujundamisel tõenäoliselt siiski määravat rolli.
Economic conditions and thereby tax funds ended up much worse off than forecasted and in order to meet the criteria two supplementary budgets were needed to cut costs and achieve 1.7% government deficit, which was 1.3 percentage points lower than the criteria. 
Kuigi majandusolud kujunesid prognoositust halvemaks ja makse laekus oluliselt vähemk ärbiti kiiresti kulusid ja kahe negatiivse lisaeelarvega saavutati 1,7%-ne eelarvedefitsiit, mis oli lubatust 1,3 protsendipunkti võrra väiksem.
Even though the economic situation has deteriorated, companies have not made extensive use 
Kuigi majandusolukord on halvenenud, pole ettevõtted jätkuvalt oma sääste ulatuslikult tarvitusele võtnud.
Even though the economic forecast allows to anticipate further growth in loan writedowns, it will affect profitability less due to the high rate of provisions already made. 
Kuigi majandusprognoos annab alust eeldada laenude allahindluste jätkuvat kasvu, pehmendab viivislaenude seniste allahindluste suur määr nende mõju pankade tulevasele kasumlikkusele.
Even though the decrease in Estonian income tax has been stopped due to the economic downturn, the implementation of ecological tax reform has not been discarded in Estonia: environmental taxes are still relevant economic instruments to facilitate the development of environmentally friendly behaviour of consumers and producers and to enhance economic efficiency. 
Kuigi majandussurutise tõttu tulumaksumäära langetamine peatati, pole ökoloogilist maksureformi siiski päevakorrast maha võetud: keskkonnamaksud on endiselt majanduslikud meetmed, millega soovitakse muuta tarbimis- ja tootmisharjumusi keskkonnasõbralikumaks ja majandust tõhusamaks.
Although households have started to invest more in real estate again in the past two years, transactions are being financed to a relatively large extent by the purchaser's own funds. 
Kuigi majapidamised on hakanud kahe viimase aasta jooksul taas rohkem kinnisvarasse investeerima, finantseeritakse tehinguid suhteliselt suuremas jaos omavahenditest.
Although the growth of household financial assets and deposits remained fast, the borrowing activity has been even higher and the net financial position has considerably deteriorated. 
Kuigi majapidamiste finantsvarade ja hoiuste kasv püsis kiire, on laenamisaktiivsus olnud veelgi suurem ning inimeste säästude ja laenude suhe on järsult halvenenud.
Although overnight and demand deposits account for around 60% of total household deposits, the steady increase in that share over the last four years has now stopped (see Figure 3.2.2). 
Kuigi majapidamiste hoiuste kogumahust moodustavad ligi 60% üleöö ja nõudmiseni hoiused, on nende peaaegu neli aastat väldanud osakaalu suurenemine peatunud (vt joonis 3.2.2).
Although the interest burden of households has grown, the rise of the Euribor has not substantially reduced the ability to service loans, because the climbing net wage has been able to offset the negative impact of the interest rate rise. 
Kuigi majapidamiste intressikoormus on kasvanud, ei ole EURIBORi tõus laenuteenindamisvõimet väga palju nõrgendanud, sest netopalga tõus on edukalt suutnud kompenseerida intressitõusu negatiivset mõju.
Although households primarily own housing with the aim of consumption they may also consider it as an investment. 
Kuigi majapidamiste jaoks on eluasemel eelkõige tarbimisväärtus, võivad nad seda käsitleda ka investeeringuna.
Although household demand for credit is increasing steadily, growth in the loan stock remains modest. 
Kuigi majapidamiste laenunõudlus suureneb stabiilselt, jääb laenujäägi kasv tagasihoidlikuks.
Although growth in household consumption will slow in 2014, it remains a major source of economic growth. 
Kuigi majapidamiste lõpptarbimise kasv 2014. aastal aeglustub, jääb see endiselt oluliseks majanduskasvu toetajaks.
Consumption is approaching its pre-crisis level even though the consumption decisions of households are more careful following the experience of the crisis and consumption is financed more from households’ own resources. 
Kuigi majapidamiste tarbimisotsused on kriisikogemuse tõttu jätkuvalt kaalutletumad ja tarbimist rahastatakse võrreldes kriisieelse ajaga enam omavahenditest, läheneb nende tarbimine kriisieelsele tasemele.
Although the capacity of households to service their debt is generally seen as satisfactory in the Nordic countries, a systemic risk could be posed by the behaviour of households if the economic climate changes. 
Kuigi majapidamiste võlateenindamise võimet loetakse Põhjamaades pigem rahuldavaks, on süsteemse riski seisukohast oluline, kuidas nad käituvad siis, kui majanduskeskkond muutub.
Although the number of customers increased, competition remained tough and this put pressure on prices of services. 
Kuigi majutatute arv suurenes, püsis konkurents tihe ning see survestas jätkuvalt teenuste hindu.
Although tourist accommodation establishments had more customers, the number of employees decreased similarly to previous year. 
Kuigi majutuskohtadel oli rohkem tööd, siis sarnaselt eelnevale aastale töötajate arvu vähendati.