natgillin/translations-raw huggingface dataset:
(c) where there is no regulated entity within the meaning of Article 1 at the head of the group, the group&apos;s activities mainly occur in the financial sector within the meaning of Article 3(1);
(c) kadar na čelu skupine ni regulirana oseba v smislu člena 1, pa se dejavnosti skupine opravljajo pretežno v finančnem sektorju v smislu člena 3(1);
(d) at least one of the entities in the group is within the insurance sector and at least one is within the banking or investment services sector;
(d) najmanj ena oseba v skupini je v zavarovalniškem sektorju in najmanj ena oseba je v bančnem sektorju ali v naložbenem sektorju;
(e) the consolidated and/or aggregated activities of the entities in the group within the insurance sector and the consolidated and/or aggregated activities of the entities within the banking and investment services sector are both significant within the meaning of Article 3(2) or (3).
(e) skupinske in/ali združene dejavnosti oseb v skupini iz zavarovalniškega sektorja in skupinske in/ali združene dejavnosti oseb iz bančnega sektorja in sektorja naložbenih storitev so pomembne v smislu člena 3(2) ali (3).
Any subgroup of a group within the meaning of point 12 which meets the criteria in this point shall be considered as a financial conglomerate;
Vsaka podskupina skupine v smislu točke 12, ki izpolnjuje pogoje iz te točke, se šteje kot finančni konglomerat;
&quot;mixed financial holding company&quot; shall mean a parent undertaking, other than a regulated entity, which together with its subsidiaries, at least one of which is a regulated entity which has its head office in the Community, and other entities, constitutes a financial conglomerate;
&quot;mešani finančni holding&quot; pomeni matično podjetje, razen regulirane osebe, ki skupaj s svojimi hčerinskimi podjetji, od katerih je vsaj eno regulirana oseba s sedežem v Skupnosti, in drugimi fizičnimi ali pravnimi osebami sestavlja finančni konglomerat;
&quot;competent authorities&quot; shall mean the national authorities of the Member States which are empowered by law or regulation to supervise credit institutions, and/or insurance undertakings and/or investment firms whether on an individual or a group-wide basis;
&quot;pristojni organi&quot; pomenijo nacionalne organe držav članic, ki so po zakonu ali podzakonskem aktu pristojni za nadzorovanje kreditnih institucij, in/ali zavarovalnic in/ali investicijskih družb bodisi za posamezna podjetja ali skupine podjetij;
&quot;relevant competent authorities&quot; shall mean:
&quot;ustrezni pristojni organi&quot; pomenijo:
(a) Member States&apos; competent authorities responsible for the sectoral group-wide supervision of any of the regulated entities in a financial conglomerate;
(a) pristojne organe držav članic, ki so odgovorni za sektorski skupinski nadzor katere koli regulirane osebe v finančnem konglomeratu;
(b) the coordinator appointed in accordance with Article 10 if different from the authorities referred to in (a);
(b) koordinatorja, ki je imenovan v skladu s členom 10, če to ni nobeden od organov, navedenih v točki (a);
(c) other competent authorities concerned, where relevant, in the opinion of the authorities referred to in (a) and (b);
(c) druge zadevne pristojne organe, kjer je to po mnenju organov iz (a) in (b) ustrezno;
this opinion shall especially take into account the market share of the regulated entities of the conglomerate in other Member States, in particular if it exceeds 5 %, and the importance in the conglomerate of any regulated entity established in another Member State;
to mnenje zlasti upošteva tržni delež reguliranih oseb konglomerata v drugih državah članicah, predvsem če presega 5 %, in pomen, ki ga ima v konglomeratu katera koli regulirana oseba, ustanovljena v drugi državi članici;
&quot;intra-group transactions&quot; shall mean all transactions by which regulated entities within a financial conglomerate rely either directly or indirectly upon other undertakings within the same group or upon any natural or legal person linked to the undertakings within that group by &quot;close links&quot;, for the fulfilment of an obligation, whether or not contractual, and whether or not for payment;
&quot;posli v skupini&quot; pomenijo vse posle, pri katerih so regulirane osebe v finančnem konglomeratu posredno ali neposredno odvisne od drugih podjetij znotraj iste skupine ali od katere koli fizične ali pravne osebe, ki je povezana s podjetji znotraj te skupine s &quot;tesnimi povezavami&quot; in se nanje zanašajo glede izpolnjevanja obveznosti, pogodbenih in drugih ter plačljivih in neplačljivih;
&quot;risk concentration&quot; shall mean all exposures with a loss potential borne by entities within a financial conglomerate, which are large enough to threaten the solvency or the financial position in general of the regulated entities in the financial conglomerate;
&quot;koncentracija tveganja&quot; pomeni vse izpostavljenosti oseb v finančnem konglomeratu potencialnim izgubam, ki so dovolj velike, da lahko ogrozijo solventnost ali finančni položaj reguliranih oseb v finančnem konglomeratu na splošno;
such exposures may be caused by counterparty risk/credit risk, investment risk, insurance risk, market risk, other risks, or a combination or interaction of these risks.
tako izpostavljenost lahko povzroči tveganje sodelujoče stranke/kreditno tveganje, naložbeno tveganje, zavarovalniško tveganje, tržno tveganje, druge vrste tveganja ali kombinacija in medsebojno vplivanje tveganj.
Thresholds for identifying a financial conglomerate
Pragi za identifikacijo finančnega konglomerata
For the purposes of determining whether the activities of a group mainly occur in the financial sector, within the meaning of Article 2(14)(c), the ratio of the balance sheet total of the regulated and non-regulated financial sector entities in the group to the balance sheet total of the group as a whole should exceed 40 %.
Da bi določili, ali se dejavnosti skupine pretežno opravljajo v finančnem sektorju v smislu člena 2(14. )(c), mora količnik med bilančno vsoto reguliranih in nereguliranih oseb v finančnem sektorju v skupini in bilančno vsoto skupine kot celote presegati 4. 0 %.
For the purposes of determining whether activities in different financial sectors are significant within the meaning of Article 2(14)(e), for each financial sector the average of the ratio of the balance sheet total of that financial sector to the balance sheet total of the financial sector entities in the group and the ratio of the solvency requirements of the same financial sector to the total solvency requirements of the financial sector entities in the group should exceed 10 %.
Da bi določili, ali so dejavnosti v različnih finančnih sektorjih pomembne v smislu člena 2(14. )(e), mora za vsak finančni sektor povprečni količnik skupne bilančne vsote tega finančnega sektorja v primerjavi z bilančno vsoto vseh oseb vsega finančnega sektorja v skupini in količnik zahtevanega minimalnega kapitala istega finančnega sektorja in skupnega zahtevanega minimalnega kapitala vseh oseb vsega finančnega sektorja v skupini presegati 10 %.
For the purposes of this Directive, the smallest financial sector in a financial conglomerate is the sector with the smallest average and the most important financial sector in a financial conglomerate is the sector with the highest average.
Za namene te direktive je najmanjši finančni sektor v finančnem konglomeratu sektor z najnižjim povprečjem, najpomembnejši finančni sektor v finančnem konglomeratu pa je sektor z najvišjim povprečjem.
For the purposes of calculating the average and for the measurement of the smallest and the most important financial sectors, the banking sector and the investment services sector shall be considered together.
Za izračunavanje povprečja in merjenja najmanjšega in najpomembnejšega finančnega sektorja se bančni sektor in sektor naložbenih storitev obravnavata skupaj.
Cross-sectoral activities shall also be presumed to be significant within the meaning of Article 2(14)(e) if the balance sheet total of the smallest financial sector in the group exceeds EUR 6 billion.
Medsektorske dejavnosti se tudi štejejo za pomembne v smislu člena 2(14. )(e), če bilančna vsota najmanjšega finančnega sektorja v skupini presega 6 milijard EUR.
If the group does not reach the threshold referred to in paragraph 2, the relevant competent authorities may decide by common agreement not to regard the group as a financial conglomerate, or not to apply the provisions of Articles 7, 8 or 9, if they are of the opinion that the inclusion of the group in the scope of this Directive or the application of such provisions is not necessary or would be inappropriate or misleading with respect to the objectives of supplementary supervision, taking into account, for instance, the fact that:
Če skupina ne doseže praga iz odstavka 2, se ustrezni pristojni organi lahko z medsebojnim dogovorom odločijo, da skupine ne bodo šteli za finančni konglomerat, ali da ne uporabijo določb členov 7, 8 ali 9, če sodijo, da vključitev skupine v obseg te direktive ali uporaba teh določb ni potrebna ali bi bila glede na cilje dopolnilnega nadzora neustrezna ali zavajajoča, pri čemer se na primer upošteva, da:
(a) the relative size of its smallest financial sector does not exceed 5 %, measured either in terms of the average referred to in paragraph 2 or in terms of the balance sheet total or the solvency requirements of such financial sector;
(a) relativna velikost njegovega najmanjšega sektorja ne presega 5 %, merjeno v smislu povprečja iz odstavka 2 ali v smislu bilančne vsote ali zahtevanega minimalnega kapitala takega finančnega sektorja;
(b) the market share does not exceed 5 % in any Member State, measured in terms of the balance sheet total in the banking or investment services sectors and in terms of gross premiums written in the insurance sector.
(b) tržni delež ne presega 5 % v katerikoli državi članici, merjeno v smislu bilančne vsote v bančnem sektorju ali v sektorju naložbenih storitev in v smislu bruto premij v zavarovalniškem sektorju.
Decisions taken in accordance with this paragraph shall be notified to the other competent authorities concerned.
O odločitvah, sprejetih v skladu s tem odstavkom, je treba obvestiti druge pristojne zadevne organe.
For the application of paragraphs 1, 2 and 3, the relevant competent authorities may by common agreement:
Za uporabo odstavkov 1, 2 in 3 lahko ustrezni pristojni organi na podlagi medsebojnega dogovora:
(a) exclude an entity when calculating the ratios, in the cases referred to in Article 6(5);
(a) izločijo osebo pri izračunavanju količnikov v primerih, ki so navedeni v členu 6(5);
(b) take into account compliance with the thresholds envisaged in paragraphs 1 and 2 for three consecutive years so as to avoid sudden regime shifts, and disregard such compliance if there are significant changes in the group&apos;s structure.
(b) upoštevajo skladnost s pragovi, predvidenimi v odstavkih 1 in 2, za tri zaporedna leta in se tako izognejo nenadnim sistemskim spremembam, in tako skladnost zanemarijo, če pride do pomembnih sprememb v sestavi skupine.
Where a financial conglomerate has been identified according to paragraphs 1, 2 and 3, the decisions referred to in the first subparagraph of this paragraph shall be taken on the basis of a proposal made by the coordinator of that financial conglomerate.
Če je finančni konglomerat že bil prepoznan v skladu z odstavki 1, 2 in 3, se odločitve iz prvega pododstavka tega odstavka sprejmejo na podlagi predloga, ki ga poda koordinator tega finančnega konglomerata.
For the application of paragraphs 1 and 2, the relevant competent authorities may, in exceptional cases and by common agreement, replace the criterion based on balance sheet total with one or both of the following parameters or add one or both of these parameters, if they are of the opinion that these parameters are of particular relevance for the purposes of supplementary supervision under this Directive:
Za uporabo odstavkov 1 in 2 lahko ustrezni pristojni organi v izjemnih primerih in na podlagi medsebojnega dogovora nadomestijo kriterij bilančne vsote z enim ali obema sledečima parametroma, če sodijo, da sta parametra zelo pomembna za dopolnilni nadzor iz te direktive:
income structure, off-balance-sheet activities.
sestava prihodkov, zunajbilančne dejavnosti.
For the application of paragraphs 1 and 2, if the ratios referred to in those paragraphs fall below 40 % and 10 % respectively for conglomerates already subject to supplementary supervision, a lower ratio of 35 % and 8 % respectively shall apply for the following three years to avoid sudden regime shifts.
Za uporabo odstavkov 1 in 2 velja, da se v primeru, če količniki iz teh odstavkov padejo pod 4. 0 % in 10 % za konglomerate, ki so že predmet dopolnilnega nadzora, za naslednja tri leta uporabi nižji prag 35 % in 8 %, da bi se izognili nenadnim sistemskim spremembam.
Similarly, for the application of paragraph 3, if the balance sheet total of the smallest financial sector in the group falls below EUR 6 billion for conglomerates already subject to supplementary supervision, a lower figure of EUR 5 billion shall apply for the following three years to avoid sudden regime shifts.
Podobno se za uporabo odstavka 3, kadar bilančna vsota najmanjšega finančnega sektorja v skupini pade pod 6 milijard EUR za konglomerate, ki so že predmet dopolnilnega nadzora, za naslednja tri leta uporabi nižji znesek v višini 5 milijard EUR, da bi se izognili nenadnim sistemskim spremembam.
During the period referred to in this paragraph, the coordinator may, with the agreement of the other relevant competent authorities, decide that the lower ratios or the lower amount referred to in this paragraph shall cease to apply.
V obdobju, navedenem v tem odstavku, se lahko koordinator v soglasju z drugimi pristojnimi organi odloči, da se nižji prag ali nižji znesek iz tega odstavka preneha uporabljati.
The calculations referred to in this Article regarding the balance sheet shall be made on the basis of the aggregated balance sheet total of the entities of the group, according to their annual accounts.
Izračuni iz tega člena glede bilančne vsote morajo biti narejeni na podlagi skupinskih bilančnih vsot oseb v skupini glede na njihove letne računovodske izkaze.
For the purposes of this calculation, undertakings in which a participation is held shall be taken into account as regards the amount of their balance sheet total corresponding to the aggregated proportional share held by the group.
Zaradi izračuna se podjetja, v katerih je udeleženo drugo podjetje, upoštevajo v smislu ustreznosti razmerja med njihovo bilančno vsoto in skupnim sorazmernim deležem takega podjetja v skupini.
However, where consolidated accounts are available, they shall be used instead of aggregated accounts.
Vendar je treba namesto zbirnih računovodskih izkazov uporabljati skupinske računovodske izkaze, če so ti na voljo.
The solvency requirements referred to in paragraphs 2 and 3 shall be calculated in accordance with the provisions of the relevant sectoral rules.
Zahtevani minimalni kapital iz odstavkov 2 in 3 se izračuna skladno z določbami ustreznih sektorskih predpisov.
Identifying a financial conglomerate
Identifikacija finančnega konglomerata
Competent authorities which have authorised regulated entities shall, on the basis of Articles 2, 3 and 5, identify any group that falls under the scope of this Directive.
Pristojni organi, ki so reguliranim osebam izdali dovoljenja za opravljanje poslov na podlagi členov 2, 3 in 5, identificirajo katero koli skupino, ki sodi v okvir te direktive.
- competent authorities which have authorised regulated entities in the group shall, where necessary, cooperate closely,
- pristojni organi, ki so izdali dovoljenja za opravljanje poslov reguliranim osebam v skupini, tesno sodelujejo, če je to potrebno,
- if a competent authority is of the opinion that a regulated entity authorised by that competent authority is a member of a group which may be a financial conglomerate, which has not already been identified according to this Directive, the competent authority shall communicate its view to the other competent authorities concerned.
- če pristojni organ sodi, da je regulirana oseba, ki mu je ta pristojni organ izdal dovoljenje za opravljanje poslov, članica skupine, ki bi lahko bila finančni konglomerat, ki ga kot takega še niso prepoznali skladno s to direktivo, pristojni organ o svojem mnenju obvesti druge zadevne pristojne organe.
The coordinator appointed in accordance with Article 10 shall inform the parent undertaking at the head of a group or, in the absence of a parent undertaking, the regulated entity with the largest balance sheet total in the most important financial sector in a group, that the group has been identified as a financial conglomerate and of the appointment of the coordinator.
Koordinator, ki je imenovan v skladu s členom 10, obvesti matično podjetje, ki je na čelu skupine ali, če ni matičnega podjetja, regulirano osebo z največjo bilančno vsoto v najpomembnejšem finančnem sektorju skupine, da je skupina identificirana kot finančni konglomerat ter o imenovanju koordinatorja.
The coordinator shall also inform the competent authorities which have authorised regulated entities in the group and the competent authorities of the Member State in which the mixed financial holding company has its head office, as well as the Commission.
Koordinator obvesti tudi pristojne organe, ki so izdali dovoljenje za opravljanje poslov reguliranim osebam v skupini in pristojne organe države članice, v kateri je sedež mešanega finančnega holdinga, ter Komisijo.
SUPPLEMENTARY SUPERVISION
DOPOLNILNI NADZOR
Scope of supplementary supervision of regulated entities referred to in Article 1
Obseg dopolnilnega nadzora reguliranih oseb iz člena 1
Without prejudice to the provisions on supervision contained in the sectoral rules, Member States shall provide for the supplementary supervision of the regulated entities referred to in Article 1, to the extent and in the manner prescribed in this Directive.
Brez poseganja v določbe o nadzoru, ki so zajete v sektorskih predpisih, države članice zagotovijo dopolnilni nadzor reguliranih oseb iz člena 1 v obsegu in na način, ki ga predpisuje ta direktiva.
The following regulated entities shall be subject to supplementary supervision at the level of the financial conglomerate in accordance with Articles 6 to 17:
Naslednje regulirane osebe so predmet dopolnilnega nadzora na ravni finančnega konglomerata skladno s členi 6 do 17:
(a) every regulated entity which is at the head of a financial conglomerate;
(a) vsaka regulirana oseba, ki je na čelu finančnega konglomerata;
(b) every regulated entity, the parent undertaking of which is a mixed financial holding company which has its head office in the Community;
(b) vsaka regulirana oseba, katere matično podjetje je mešani finančni holding s sedežem v Skupnosti;
(c) every regulated entity linked with another financial sector entity by a relationship within the meaning of Article 12(1) of Directive 83/349/EEC.
(c) vsaka regulirana oseba, ki je z drugo osebo finančnega sektorja povezana v smislu člena 12(1) Direktive 83/34. 9/EGS.
Where a financial conglomerate is a subgroup of another financial conglomerate which meets the requirements of the first subparagraph, Member States may apply Articles 6 to 17 to the regulated entities within the latter group only and any reference in the Directive to the terms group and financial conglomerate will then be understood as referring to that latter group.
Če je finančni konglomerat podskupina drugega finančnega konglomerata, ki izpolnjuje zahteve iz prvega pododstavka, države članice lahko uporabijo člene 6 do 17 za regulirane osebe samo v slednji skupini in katerikoli sklic v direktivi na pojma skupina in finančni konglomerat se potem razume kot sklic na to skupino.
Every regulated entity which is not subject to supplementary supervision in accordance with paragraph 2, the parent undertaking of which is a regulated entity or a mixed financial holding company, having its head office outside the Community, shall be subject to supplementary supervision at the level of the financial conglomerate to the extent and in the manner prescribed in Article 18.
Vsaka regulirana oseba, ki ni predmet dopolnilnega nadzora v skladu z odstavkom 2 in katerega matično podjetje je regulirana oseba ali mešani finančni holding s sedežem zunaj Skupnosti, je predmet dopolnilnega nadzora na ravni finančnega konglomerata v obsegu in na način, ki ga predpisuje člen 18.
Where persons hold participations or capital ties in one or more regulated entities or exercise significant influence over such entities without holding a participation or capital ties, other than the cases referred to in paragraphs 2 and 3, the relevant competent authorities shall, by common agreement and in conformity with national law, determine whether and to what extent supplementary supervision of the regulated entities is to be carried out, as if they constitute a financial conglomerate.
Če imajo osebe udeležbo ali kapitalske povezave v eni ali več reguliranih oseb ali izvršujejo pomemben vpliv nad temi osebami čeprav brez udeležbe ali s kapitalskimi povezavami, ki niso navedene v primerih iz odstavkov 2 in 3, se ustrezni pristojni organi na podlagi medsebojnega dogovora in v skladu z nacionalno zakonodajo odločijo, ali in v kolikšni meri naj se izvaja dopolnilni nadzor nad reguliranimi osebami, kot da so ti del finančnega konglomerata.
In order to apply such supplementary supervision, at least one of the entities must be a regulated entity as referred to in Article 1 and the conditions set out in Article 2(14)(d) and (e) must be met.
Za uporabo takega dopolnilnega nadzora mora biti najmanj en subjekt regulirana oseba, kakor predpisuje člen 1, in pogoji iz člena 2(14. )(d) in (e) morajo biti izpolnjeni.
The relevant competent authorities shall take their decision, taking into account the objectives of the supplementary supervision as provided for by this Directive.
Ustrezni pristojni organi se odločijo ob upoštevanju ciljev dopolnilnega nadzora, kakor predvideva ta direktiva.
For the purposes of applying the first subparagraph to &quot;cooperative groups&quot;, the competent authorities must take into account the public financial commitment of these groups with respect to other financial entities.
Za namene uporabe prvega pododstavka za &quot;sodelujoče skupine&quot; morajo pristojni organi upoštevati javne finančne obveznosti teh skupin glede na druge finančne ustanove.
Without prejudice to Article 13, the exercise of supplementary supervision at the level of the financial conglomerate shall in no way imply that the competent authorities are required to play a supervisory role in relation to mixed financial holding companies, third-country regulated entities in a financial conglomerate or unregulated entities in a financial conglomerate, on a stand-alone basis.
Brez poseganja v določbe člena 13 izvajanje dopolnilnega nadzora na ravni finančnega konglomerata nikakor ne pomeni, da se od pristojnih organov zahteva, da opravljajo posamičen nadzor v povezavi z mešanimi finančnimi holdingi, reguliranimi osebami v finančnem konglomeratu iz tretjih držav ali nereguliranimi osebami v finančnem konglomeratu.
FINANCIAL POSITION
FINANČNI POLOŽAJ
Capital adequacy
Kapitalska ustreznost
Without prejudice to the sectoral rules, supplementary supervision of the capital adequacy of the regulated entities in a financial conglomerate shall be exercised in accordance with the rules laid down in Article 9(2) to (5), in Section 3 of this Chapter, and in Annex I.
Brez poseganja v sektorske predpise se dopolnilni nadzor kapitalske ustreznosti reguliranih oseb v finančnem konglomeratu izvaja skladno s predpisi, ki so navedeni v členu 9(2) do (5), v oddelku 3 tega poglavja in v Prilogi I.