natgillin/translations-raw huggingface dataset:
In accordance with Article 420 REGULATION (EU) NO 575/2013, this section covers reporting requirements on retail deposits (Article 421), other deposits and liabilities (Article 422), additional outflows (Article 423) and outflows from credit and liquidity facilities (Article 424).
Yritykset – pk-yritykset, joihin sovelletaan pk-yritysten tukikerrointa – kun käytössä ei ole omia LGD- tai CF-estimaatteja
In accordance with Article 421(5) of the REGULATION (EU) NO 575/2013, institutions may exclude from the calculation of outflows certain clearly circumscribed categories of retail deposits.
Yritykset – pk-yritykset, joihin sovelletaan pk-yritysten tukikerrointa – käytettäessä omia LGD- tai CF-estimaatteja
For completeness, the reporting of these deposits is requested in item 1.1.6 of the template.
Vähittäisvastuut – kiinteistövakuudelliset (pk-yritykset, joihin sovelletaan pk-yritysten tukikerrointa) – käytettäessä omia LGD- tai CF-estimaatteja
Outflows sub template
Yritykset – muut (pk-yritykset, joihin sovelletaan pk-yritysten tukikerrointa) – käytettäessä omia LGD- tai CF-estimaatteja
Articles 421 to 424 of REGULATION (EU) NO 575/2013.
Vähittäisvastuut – muut (pk-yritykset, joihin sovelletaan pk-yritysten tukikerrointa) – kun käytössä ei ole omia LGD- tai CF-estimaatteja
Liabilities reported in this section have been explicitly identified as a potential source of liquidity outflows, over the next 30 days, for reporting purposes.
Vähittäisvastuut – kiinteistövakuudelliset (pk-yritykset, joihin sovelletaan pk-yritysten tukikerrointa) – kun käytössä ei ole omia LGD- tai CF-estimaatteja
Retail deposits
Vastapuoliluokka
Article 421 of REGULATION (EU) NO 575/2013
Sisäinen luokitusjärjestelmä – vastapuoliluokkaan tai -ryhmään sovellettava PD-arvo
Total liability of retail deposits as defined in Article 411(2), including sight deposits and fixed term deposits, of REGULATION (EU) NO 575/2013 shall be reported in column 020.
Alkuperäinen vastuu ennen luottovasta-arvokerrointen soveltamista
The resulting outflow after having applied the relevant outflow rate shall be reported in column 030.
Käytössä omat LGD-estimaatit:
The following subcategories shall be reported:
Josta poistot taseesta
Covered by a Deposit Guarantee Scheme according to Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country
Maa
Article 421(1) of REGULATION (EU) NO 575/2013
RISKIPAINOTETTUJEN VASTUUERIEN YHTEISMÄÄRÄ PK-YRITYKSEN TUKIKERTOIMEN SOVELTAMISEN JÄLKEEN
Article 421(1)(a) of REGULATION (EU) NO 575/2013
Vähittäisvastuut – kiinteistövakuudelliset saamiset
Of the retail deposits covered by a Deposit Guarantee Scheme according to Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country reported in item 1.1.1, that which is part of an established relationship making withdrawal highly unlikely.
Sisäinen luokitusjärjestelmä
Retail deposits which are both part of an established relationship making withdrawal highly unlikely and held in transactional accounts, including accounts to which salaries are regularly credited, shall instead be reported in item 1.1.1.2.
Vastapuoliluokkaan tai -ryhmään sovellettava PD-arvo (%)
Article 421(1)(b) of REGULATION (EU) NO 575/2013
Luottoriskin vähentämismenetelmät, joilla on vastuuta koskevia substituutiovaikutuksia
Of the retail deposits covered by a Deposit Guarantee Scheme according to Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country reported in item 1.1.1, that which is held in transactional accounts, including accounts to which salaries are regularly credited, making withdrawal highly unlikely.
(-) Luottoriskin vähentämismenetelmistä aiheutuvat vastuuta koskevat substituutiovaikutukset (-) Ulosvirtaukset yhteensä
Article 421(2) of REGULATION (EU) NO 575/2013
Riskipainotettu keskimääräinen LGD (%)
Of the retail deposits covered by a Deposit Guarantee Scheme according to Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country, those other deposits which do not qualify to be reported in items 1.1.1.1 or 1.1.1.2.
Riskipainotettujen vastuiden yhteismäärä
Retail deposits not covered by a Deposit Guarantee Scheme according to Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country.
Lisätietoerä: Odotetut tappiot
deposits subject to higher outflows than specified in Article 421(1) or 421(2)
Oman pääoman ehtoiset sijoitukset yhteensä (IRB)
Article 421(3) of REGULATION (EU) NO 575/2013
PD/LGD-menelmä, yhteensä
Retail deposits subject to higher outflows than those specified in Article 421(1) or 421(2) of REGULATION (EU) NO 575/2013REGULATION (EU) NO 575/2013 shall be reported in the following subcategories:
Yksinkertainen riskipainomenetelmä, yhteensä
deposits subject to higher outflow rate - Category 1 – medium risk of outflow
Vastuut, joihin sovelletaan yksinkertaista riskipainomenetelmää, jaoteltuina riskipainon mukaan:
Retail deposits identified by institutions to be allocated to category 1.
Sisäisten mallien menetelmä
deposits subject to higher outflow rate - Category 2 – high risk of outflow
Oman pääoman ehtoiset sijoitukset, joihin sovelletaan riskipainoja
Retail deposits identified by institutions to be allocated to category 2.
Selvittämättömien transaktioiden kauppahinta
deposits subject to higher outflow rate – Category 3 - very high risk of outflow
Selvittämättömistä transaktioista johtuvat hintaerovastuut
Retail deposits identified by institutions to be allocated to category 3.
Omien varojen vaatimukset
Article 421(4) of REGULATION (EU) NO 575/2013
Toimitusriskin kokonaismäärä
Retail deposits taken in third countries subject to outflows in that third country which are higher than those specified in Article 421(1) or (2) of REGULATION (EU) NO 575/2013.
Toimituspäivä ylittyy enintään neljällä arkipäivällä (0 %)
100 1.1.6 deposits exempted from the calculation of outflows where the conditions of Art. 421(5) (a) and (b) have been met
Toimituspäivä ylittyy 5–15 arkipäivällä (8 %)
Article 421 (5) of REGULATION (EU) NO 575/2013 Retail deposits exempted from the calculation of outflows, as referred to in Article 421 (5) of REGULATION (EU) NO 575/2013.
Toimituspäivä ylittyy 16–30 arkipäivällä (50 %)
Article 422 REGULATION (EU) NO 575/2013
Toimituspäivä ylittyy 31–45 arkipäivällä (75 %)
Total outflows on other liabilities due over the next 30 days shall be reported in the following subcategories as follows:
Toimituspäivä ylittyy 46 arkipäivällä tai enemmän (100 %)
Liabilities reported in this section shall only consist of general obligations other than retail deposits defined in Article 411(2) (which shall instead be reported in item 1.1. above).
> 0 % ja <= 20 %
Liabilities reported here shall fall due over the next 30 days, have an earliest possible contractual maturity date within the next 30 days or have an undefined maturity date.
> 20 % ja <= 50 %
This includes both (i) liabilities with options that are exercisable at the investor's discretion and (ii) liabilities with options exercisable at the institution's discretion where the institution's ability not to exercise the option is limited for reputational reasons.
> 50 % ja <= 100 %
In particular, where the market expects certain liabilities to be redeemed within the next 30 days, before their legal final maturity date, such liabilities shall be included in the appropriate subcategory.
Rivi-numero
Article 422(1) of REGULATION (EU) NO 575/2013
KIRJANPITOKOHTELU: Säilytetäänkö arvopaperistetut omaisuuserät taseessa vai poistetaanko ne siitä?
Total amount of liabilities due over the next 30 days resulting from the institution's own operating expenses.
VAKAVARAISUUSKOHTELU: Arvopaperistamispositiot, joihin sovelletaan omien varojen vaatimuksia?
Examples include office and utilities expenses, accounting expenses, salary and wages etc and any other costs incurred by the operation of the institution's own activities.
MUUT KUIN ABCP-OHJELMAT
liabilities resulting from secured lending and capital market driven transactions as defined in Article 192
ALULLEPANOPÄIVÄ
Article 422(2) of REGULATION (EU) NO 575/2013
SOVELLETTU MENETELMÄ (STANDARDI/IRB/MIX)
For the following subcategories, institutions shall identify the amount of outflows relating to secured lending and capital market driven transactions over the next 30 days, the market value of the corresponding assets which collateralise the transactions and the value of these assets according to Article 418 REGULATION (EU) NO 575/2013.
SUORAT LUOTON KORVAAVAT TAKAUKSET
In accordance with Article 192:
KORONVAIHTOSOPIMUKSET / VALUUTANVAIHTOSOPIMUKSET
‘secured lending transaction’ means any transaction giving rise to an exposure secured by collateral which does not include a provision conferring upon the institution the right to receive margin at least daily;
RISKIPAINOTETTUJEN VASTUUERIEN YHTEISMÄÄRÄ
‘capital market-driven transaction’ means any transaction giving rise to an exposure secured by collateral which includes a provision conferring upon the institution the right to receive margin at least daily.
Vakuutena on: asuinkiinteistö
Therefore, any transaction in which the institution has received a collateralised loan in cash, such as repurchase transactions as defined in Article 4 (83) of REGULATION (EU) NO 575/2013, expiring within 30 days shall be reported in this section.
Vakuutena on: liikekiinteistö
Institutions shall report the market value of the assets securing the secured lending and capital market driven transactions in column 010.
RELEVANTTI INDIKAATTORI -3 VUOSI
Institutions shall report these transactions in one of seven categories:
RELEVANTTI INDIKAATTORI -2 VUOSI
Category one: where the counterparty is not a central bank and the assets securing the transaction are of extremely high liquidity and credit quality, the amount due shall be reported in column 020 and the value according to Article 418 REGULATION (EU) NO 575/2013 of the asset securing the transaction shall be reported in column 030.
RELEVANTTI INDIKAATTORI EDELLISVUOSI
Category two: where the counterparty is not a central bank and the assets securing the transaction are of high liquidity and credit quality, the amount due shall be reported in column 040 and the value according to Article 418 REGULATION (EU) NO 575/2013 of the asset securing the transaction shall be reported in column 050.
LUOTOT -3 VUOSI
Category three: where the counterparty is not a central bank and the assets securing the transaction are of other liquidity and credit quality, the amount due shall be reported in column 060.
LUOTOT -2 VUOSI
Category four: where the counterparty is a central bank and the assets securing the transaction are of extremely high liquidity and credit quality, the amount due shall be reported in column 070 the value according to Article 418 REGULATION (EU) NO 575/2013 of the asset securing the transaction shall be reported in column 080.
LUOTOT EDELLISVUOSI
Category five: where the counterparty is a central bank and the assets securing the transaction are of high liquidity and credit quality, the amount due shall be reported in column 090 the value according to Article 418 REGULATION (EU) NO 575/2013 of the asset securing the transaction shall be reported in column 100.
PANKKITOIMINTA, JOHON SOVELLETAAN PERUSMENETELMÄÄ
Category six: where the counterparty is a central bank and the assets securing the transaction are of other liquidity and credit quality, the amount due shall be reported in column 110.
STANDARDIMENETELMÄ
Category seven: Where the counterparty is the central government, a public sector entity of the member state in which the credit institution has been authorised or has established a branch, or a multilateral development bank, the amount due shall be reported in column 120.
Kehittyneen mittausmenetelmän mukaiset erät
Institutions shall allocate transactions by identifying the liquidity and credit quality of the assets securing the transaction using the same criteria as applied for the purpose of reporting assets in template 1.1 ‘Assets’.
Vaihtoehtoinen standardimenetelmä
I.e. in accordance with Article 416(1) of REGULATION (EU) NO 575/2013, pending a uniform definition in accordance with Article 460 REGULATION (EU) NO 575/2013 of extremely high and high liquidity and credit quality, institutions shall identify themselves in a given currency transferable assets that are respectively of high or extremely high liquidity and credit quality.
Tappiotyypit
If the institution has deposited both ‘extremely high’, ‘high’ and ‘other’ liquidity and credit quality assets in a collateral pool and no assets are specifically assigned as collateral for the secured lending and capital market driven transaction, the institution shall assume that the assets with the lowest liquidity and credit quality are assigned first, i.e. assets with ‘other liquidity and credit quality’ shall be assigned first.
LISÄTIETOERÄ: TIETOJEN KERÄÄMISEEN SOVELLETTAVAT RAJA-ARVOT alin
Only once all those assets are fully assigned, shall assets of ‘high liquidity and credit quality’ be assigned.
LISÄTIETOERÄ: TIETOJEN KERÄÄMISEEN SOVELLETTAVAT RAJA-ARVOT ylin
Only once all those assets are assigned too, shall ‘extremely high liquidity and credit quality’ be assigned.
Positiot
Collateral swaps where the institution simultaneously borrows collateral and lends collateral (in the form of assets other than cash), shall be reported as follows:
Kaikki positiot
The value of the asset borrowed shall be its market value in column 010 and its value according to Article 418 REGULATION (EU) NO 575/2013 in the appropriate column.
Pitkät
Collateral swaps only relate to collateral, and there is no underlying ‘Amount due’ to be reported.
Lyhyet
The market value of the asset lent shall be reported in the ‘Market value of the asset securing the transaction’ column in the appropriate subcategory of .3 of template ‘Inflows’.
Nettopositiot
Article 416(1)(c) REGULATION (EU) NO 575/2013 Transactions backed by transferable assets shall be reported here in accordance with 1.2.2 above, in the appropriate sub-category.
Positiot, joihin sovelletaan pääomavaatimusta
Assets reported in this section have been explicitly identified as potentially being of extremely high or high liquidity and credit quality.
0 ≤ 1 kuukausi
Assets reported in this section must meet all the applicable requirements contained in Articles 416 and 417 REGULATION (EU) NO 575/2013.
> 1 ≤ 3 kuukautta
Assets specified in 1.3.1 of the liquid assets template that represent claims on the above counterparties, according to Article 416(1)(c)(i)
> 3 ≤ 6 kuukautta
Assets specified in 1.3.1 of the liquid assets template guaranteed by the above counterparties, according to Article 416(1)(c)(i)
> 6 ≤ 12 kuukautta
Assets specified in 1.3.2 of the liquid assets template guaranteed by the above counterparties, according to Article 416(1)(c)(ii)
> 2 ≤ 3 (> 1,9 ≤ 2,8 alle 3 prosentin korkokupongeille) vuotta
transferable assets representing claims on or guaranteed by the Bank for International Settlements, the International Monetary Fund, the Commission and multilateral development banks.
> 3 ≤ 4 (> 2,8 ≤ 3,6 alle 3 prosentin korkokupongeille) vuotta
Assets specified in 1.3.3 of the liquid assets template that represent claims on the above counterparties, according to Article 416(1)(c)(iii)
> 4 ≤ 5 (> 3,6 ≤ 4,3 alle 3 prosentin korkokupongeille) vuotta
Assets specified in 1.3.3 of the liquid assets template guaranteed by the above counterparties, according to Article 416(1)(c)(iii)
> 5 ≤ 7 (> 4,3 ≤ 5,7 alle 3 prosentin korkokupongeille) vuotta
Assets specified in 1.3.4 of the liquid assets template that represent claims on the above counterparties, according to Article 416(1)(c)(iv)
> 7 ≤ 10 (> 5,7 ≤ 7,3 alle 3 prosentin korkokupongeille) vuotta
Assets specified in 1.3.4 of the liquid assets template guaranteed by the above counterparties, according to Article 416(1)(c)(iv)
> 10 ≤ 15 (> 7,3 ≤ 9,3 alle 3 prosentin korkokupongeille) vuotta
Total shares or units in CIUs with underlying assets specified in Article 416(1) REGULATION (EU) NO 575/2013 shall be reported here in accordance with 1.2.2 above, in the appropriate sub-category.
> 15 ≤ 20 (> 9,3 ≤ 10,6 alle 3 prosentin korkokupongeille) vuotta
non-financial corporate bonds
> 20 (> 10,6 ≤ 12,0 alle 3 prosentin korkokupongeille) vuotta
Non-financial corporate bonds shall be reported according to their credit quality as per Article 122 REGULATION (EU) NO 575/2013 and in accordance with 1.2.2 above, in the appropriate sub-category.
> 20 (> 12,0 ≤ 20,0 alle 3 prosentin korkokupongeille) vuotta
Bonds eligible for the treatment set out in article 129 (4) or (5) shall be reported according to their credit quality as per Article 129(4) or (5) REGULATION (EU) NO 575/2013, and in accordance with 1.2.2 above, in the appropriate sub-category
> 20 (> 20 alle 3 prosentin korkokupongeille) vuotta
Those items shall be reported according to their credit quality as per Chapter 5, Title 2 and Article 123, 124, 125, 126 of REGULATION (EU) NO 575/2013, and in accordance with 1.2.2 above, in the appropriate sub-category
Ensimmäisen luokan mukaiset vieraan pääoman ehtoiset arvopaperit
Residential mortgage backed instruments of the instruments reported in lines 1.10.1, 1.10.2, 1.10.3 of the liquid assets template
Toisen luokan mukaiset vieraan pääoman ehtoiset arvopaperit
Those items shall be reported according to their credit quality as per Article 129(4) or 129(5) of REGULATION (EU) NO 575/2013, and in accordance with 1.2.2 above, in the appropriate sub-category
Jäljellä oleva voimassaoloaika ≤ 6 kuukautta
Those items shall be reported according to their credit quality as per Chapter 2,Title 2, Part III of REGULATION (EU) NO 575/2013, and in accordance with 1.2.2 above, in the appropriate sub-category
Jäljellä oleva voimassaoloaika > 6 kuukautta ja ≤ 24 kuukautta
Those items shall be reported accordi ng to their credit quality as per Chapter 2, Title 2, Part III of REGULATION (EU) NO 575/2013, and in accordance with 1.2.2 above, in the appropriate sub-category.
Kolmannen luokan mukaiset vieraan pääoman ehtoiset arvopaperit
ASSETS MEETING THE REQUIREMENTS OF ARTICLE 416 (1) (b) AND (d) BUT DO NOT MEET THE REQUIREMENTS OF ARTICLE 417 (b) AND (c) REGULATION (EU) NO 575/2013
Neljännen luokan mukaiset vieraan pääoman ehtoiset arvopaperit
These items shall be reported here in accordance with 1.2.2 above, in the appropriate sub-category.
Yhteistä sijoitustoimintaa harjoittaviin yrityksiin liittyviin positioriskeihin sovellettava erityismenetelmä
Only items that are not specified elsewhere in the template shall be reported here.
(-) Pitkät
Annex III, Point 1 of REGULATION (EU) NO 575/2013
(-) Lyhyet
Only cash shall be reported that does not satisfy at least one of the conditions set out in points (c), (d) and (e) and can thus not be reported under reporting item 1.1.
RISKIPAINOT < 1250 %
Note cash on deposit with other institutions shall not be reported here and shall instead be reported in the collateral category of template ‘Inflows’ if it qualifies as monies due over the next 30 days.
Katetut joukkolainat
Annex III, Point 2 of REGULATION (EU) NO 575/2013
Arvopaperistamispositiot
Annex III, Point 3 of REGULATION (EU) NO 575/2013
Muut korrelaatiokaupankäyntisalkkupositiot
transferable securities other than those referred to in 3.3 to 3.7 that are collateralised by assets that qualify for a 35 % or better risk weight under Chapter 2, Title II of Part Three or are internally rated as having an equivalent credit quality, and are fully and completely secured by mortgages on residential property in accordance with Point 125
Kypros
Annex III, Point 8 of REGULATION (EU) NO 575/2013
Tšekki
Annex III, Point 9 of REGULATION (EU) NO 575/2013
Tanska
Total amount of standby credit facilities granted by central banks within the scope of monetary policy to the extent that these facilities are not collateralized by liquid assets and excluding emergency liquidity assistance.
Viro
Annex III, Point 10 of REGULATION (EU) NO 575/2013
Suomi
Annex III, Point 11 of REGULATION (EU) NO 575/2013
Ranska
Annex III, Point 12 of REGULATION (EU) NO 575/2013
Saksa
Article 416 (2) of REGULATION (EU) NO 575/2013
Unkari
Article 416 of REGULATION (EU) NO 575/2013
Irlanti
Article 509(3) of REGULATION (EU) NO 575/2013
Italia
funds based on the assets reported in 4.5 - 4.10
Liettua
Articles 419(2)(a) of REGULATION (EU) NO 575/2013 and 509(2)(i)
Luxemburg
Deposits that have to be maintained by the depositor
Alankomaat
Article 422(3) of REGULATION (EU) NO 575/2013
Puola
Total amount of deposits, including sight deposits and fixed term deposits, that have to be maintained by the depositor shall be reported in the following subcategories in columns 010 ‘Amount deposited by clients that are financial customers’ and column 030 ‘Amount deposited by clients that are not financial customers’ dependent on the counterparty type, as follows:
Portugali
in order to obtain clearing, custody or cash management services (excluding correspondent banking or prime brokerage)
Espanja
Article 422(3)(a) of REGULATION (EU) NO 575/2013
Ruotsi
Total amount of deposits that have to be maintained by the depositor in order to obtain clearing, custody or cash management services from the institution (excluding correspondent banking or prime brokerage), shall be reported in the following subcategories as follows:
Yhdistynyt kuningaskunta
[Note: A clearing relationship, in this context, refers to a service arrangement that enables customers to transfer funds (or securities) indirectly through direct participants in domestic settlement systems to final recipients.
Japani
Such services are limited to the following activities: transmission, reconciliation and confirmation of payment orders; daylight overdraft, overnight financing and maintenance of post-settlement balances; and determination of intra-day and final settlement positions.
Makedonia
Clearing and related services must be provided under a legally binding agreement to institutional customers (Basel III liquidity rules text paragraph 75).
Venäjä
A custody relationship, in this context, refers to the provision of safekeeping, reporting, processing of assets and/or the facilitation of the operational and administrative elements of related activities on behalf of customers in the process of their transacting and retaining financial assets.
Sveitsi
Custody related services must be provided under a legally binding custodial services or other similar agreement to institutional customers.
Turkki
Such services are limited to the settlement of securities transactions, the transfer of contractual payments, the processing of collateral, the execution of foreign currency transactions, the holding of related cash balances and the provision of ancillary cash management services.
Ukraina
Also included is the receipt of dividends and other income, client subscriptions and redemptions, scheduled distributions of client funds and the payment of fees, taxes and other expenses.
Yhdysvallat
A cash management relationship, in this context, refers to the provision of cash management and related services to customers.
Egypti
Cash management and related]
Islanti
Total amount of deposits that have to be maintained by the depositor in order to obtain clearing, custody or cash management services from the institution (excluding correspondent banking or prime brokerage) which are covered by a Deposit Guarantee Scheme according to Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country, shall be reported in the following subcategories as follows:
Nettoutetut
Total amount of deposits that have to be maintained by the depositor in order to obtain clearing, custody or cash management services from the institution (excluding correspondent banking or prime brokerage) which are covered by a Deposit Guarantee Scheme according to Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country and where there is evidence that the client is unable to withdraw amounts legally due over a 30 day horizon without compromising its operational functionality.
Valuuttaoptioiden muut kuin deltariskit