natgillin/translations-raw huggingface dataset:
In the context of social distancing imposed by public authorities, digital banking will gain ever more ground as a way to ensure continuity of banking services 54 .
V razmerah omejevanja socialnih stikov, ki ga narekujejo javni organi, bo digitalno bančništvo pridobilo vedno večji pomen kot način za zagotavljanje kontinuitete bančnih storitev 54 .
The economic challenges posed by the COVID-19 pandemic can only be overcome with close cooperation between public and private actors.
Gospodarske izzive, ki jih predstavlja pandemija COVID-19, je mogoče premagati le s tesnim sodelovanjem med javnimi in zasebnimi akterji.
The Commission encourages the ESRB to coordinate an EU-wide approach as regards the use of macroprudential buffers in the crisis and recovery phase.
Komisija spodbuja ESRB, naj usklajuje pristop na ravni EU v zvezi z uporabo makrobonitetnih blažilnikov v času krize in v fazi okrevanja.
Thanks to global regulatory action in the wake of the 2008/2009 financial crisis, the global banking system has significantly higher levels of capital and liquidity today compared to the beginning of that crisis.
Zaradi regulativnih ukrepov, sprejetih na svetovni ravni zaradi finančne krize 2008/2009, ima danes svetovni bančni sistem precej višje ravni kapitala in likvidnosti kot na začetku navedene krize.
Therefore, banks need to work with each other and together with public authorities to ensure there is adequate liquidity to secure lending across the Union.
Banke morajo zato sodelovati med seboj in z javnimi organi, da bi zagotovile ustrezno likvidnost za zagotavljanje kreditiranja po vsej Uniji.
The banking sector would thus send a strong signal that it is collectively committed to play its part in dealing with the emergency.
Bančni sektor bi tako poslal jasno sporočilo, da je kolektivno zavezan k sodelovanju pri odpravljanju izrednih razmer.
Guarantees or payment moratoria granted in the context of COVID-19, for instance, that have the same features, should be treated in the same way by supervisors across the Union.
Npr. jamstva ali moratorije na plačila, odobrene v okviru COVID-19, ki imajo enake značilnosti, bi morali nadzorniki po vsej Uniji obravnavati na enak način.
Given the scale of the crisis, the banking sector and the wider financial system are expected to be fully engaged in supporting the public policy response.
Glede na obseg krize se pričakuje, da si bosta bančni sektor in širši finančni sistem po svojih najboljših močeh prizadevala za podporo odzivu javne politike.
In this respect, the G20 has issued at its Ministerial meeting of 15 April an Action Plan providing a broad response to the COVID-19 crisis and its economic consequences, including actions in the sphere of financial regulation and supervision.
V zvezi s tem je skupina G20 na ministrskem srečanju 15. aprila objavila akcijski načrt, ki zagotavlja širok odziv na krizo COVID-19 in njene gospodarske posledice, vključno z ukrepi na področju finančne regulacije in nadzora.
In the current circumstances, banks are also invited to adopt a conservative approach to the payment of variable remuneration.
Banke so v sedanjih razmerah prav tako pozvane, naj sprejmejo konzervativen pristop k plačevanju variabilnih prejemkov.
Measures to help consumers may also need to be reinforced, because the decline in households' disposable income linked to job losses or decreased economic activity is likely to increase over-indebtedness in the EU.
Morda bo treba okrepiti tudi ukrepe za pomoč potrošnikom, saj bo upad razpoložljivega dohodka gospodinjstev, povezan z izgubo delovnih mest ali zmanjšano gospodarsko dejavnostjo, verjetno povečal prezadolženost v EU.
For this purpose, the Commission will launch a dialogue with the European financial sector and other relevant stakeholders (businesses and consumers representatives) to explore ideas on how the sector should participate in efforts to support citizens and businesses through the crisis period and during the subsequent recovery, based on best practices and, going forward, facilitate a sustainable economic recovery based on the green and digital transitions in the context of the forthcoming renewed EU sustainable finance strategy.
V ta namen bo Komisija začela dialog z evropskim finančnim sektorjem in drugimi ustreznimi zainteresiranimi stranmi (predstavniki podjetij in potrošnikov), da bi preučila zamisli o tem, kako bi moral sektor sodelovati v prizadevanjih za podporo državljanom in podjetjem v obdobju krize in med poznejšim okrevanjem, ob upoštevanju najboljših praks, ter v prihodnje prispevati k trajnostnemu gospodarskemu okrevanju na podlagi zelenega in digitalnega prehoda v okviru prihodnje prenovljene strategije EU za trajnostno financiranje.
The Commission furthermore welcomes the FSB's announcement of 2 April 58 to re-prioritise its work programme to maximise the value of its work for the COVID-19 response.
Komisija poleg tega pozdravlja napoved FSB z dne 2. aprila 58 , da bo ponovno določil prednostne naloge svojega delovnega programa, da bi bilo njegovo delo za odziv na COVID-19 čim uspešnejše.
At the same time, the Commission will continue to contribute to an internationally coordinated response at the G20, G7 and FSB level including with the international standard-setting bodies, such as the BCBS, the FSB and the IASB.
Hkrati bo Komisija še naprej prispevala k mednarodno usklajenemu odzivu na ravni G20, G7 in FSB, vključno z organi za določanje mednarodnih standardov, kot so BCBS, FSB in IASB.
1.2.Flexibility within the regulatory framework amid the COVID-19 crisis
1.2.Prožnost znotraj regulativnega okvira v času krize COVID-19
In the current exceptional situation, retention of dividends represents a prudent adjustment to banks' distribution policies.
V sedanjih izrednih razmerah predstavlja zadržanje dividend preudarno prilagoditev politik delitve dobička bank.
This Communication recalls the main features of the guidance issued by those authorities, with the aim to reinforce the collective commitment towards consistent and concerted application of the flexibility embedded in the Union's regulatory framework (sections 2 and 3).
To sporočilo opozarja na glavne značilnosti smernic, ki so jih izdali navedeni organi, da bi se okrepila skupna zaveza k dosledni in usklajeni uporabi prožnosti v regulativnem okviru Unije (oddelka 2 in 3).
Where a government or other entity provides guarantees for bank loans to borrowers, banks need to take into account these loan guarantees when calculating the amount of expected credit loss.
Če vlada ali drug subjekt jamči za bančna posojila posojilojemalcem, morajo banke pri izračunu zneska pričakovanih kreditnih izgub upoštevati ta jamstva za posojila.
The Commission plans to postpone the adoption of its legislative proposal on the final elements of the Basel III framework, but to still adopt in time for the outstanding Basel III standards to be effectively implemented in the EU by January 2023.
Komisija namerava preložiti sprejetje zakonodajnega predloga o končnih elementih okvira Basel III, vendar bo to sprejetje še vedno pravočasno, da bi bili neizvedeni standardi Basel III v EU dejansko izvedeni do januarja 2023.
Loan guarantees neither increase nor reduce the default risk of the borrower, but they reduce the amount of credit losses if a default of the borrower actually occurs.
Jamstva za posojila ne povečujejo ali zmanjšujejo tveganja neplačila posojilojemalca, vendar zmanjšujejo znesek kreditnih izgub, če dejansko pride do neplačila posojilojemalca.
Banks can play this role by maintaining the flow of credit to their most affected clients, in particular small and medium-sized enterprises (SMEs).
Banke lahko prevzamejo to vlogo tako, da še naprej kreditirajo svoje najbolj prizadete stranke, zlasti mala in srednja podjetja (MSP).
The application of relief measures alone, which are designed to bridge short-term liquidity needs, should not automatically lead to a harsher accounting or prudential treatment where the financial situation does not otherwise deteriorate.
Zgolj uporaba ukrepov pomoči, ki so namenjeni premostitvi kratkoročnih likvidnostnih potreb, ne bi smela samodejno privesti do strožje računovodske ali bonitetne obravnave, kadar se finančne razmere sicer ne poslabšajo.
It is imperative that all authorities continue to act in a coordinated and consistent manner when specifying how to use the flexibility embedded in their respective rules, with a view to provide maximum clarity and ensure a level playing field within the Single Market.
Nujno je, da vsi organi še naprej ravnajo na usklajen in dosleden način, ko določajo, kako uporabljati prožnost v zadevnih predpisih, da bi se zagotovila čim večja jasnost in enaki konkurenčni pogoji na enotnem trgu.
These measures were taken with the clear objective of supporting banks so they can play their role in dealing with the COVID-19 crisis.
Ti ukrepi so bili sprejeti z jasnim ciljem podpreti banke, da bi lahko prevzele svojo vlogo pri reševanju krize COVID-19.
The support measures are preventive in nature aiming at addressing the immediate impact of the COVID-19 crisis and the difficulties of foreseeing the likely pace of recovery.
Podporni ukrepi so preventivne narave, njihov namen pa je obravnavati takojšen učinek krize COVID-19 in težave pri predvidevanju verjetne hitrosti okrevanja.
Therefore, banks are in a stronger position to absorb the shock of the global health crisis and ensure continued financing of the economy.
Banke so zato v boljšem položaju za blažitev posledic svetovne zdravstvene krize in zagotavljanje nadaljnjega financiranja gospodarstva.
The Commission will take into account the impact of the COVID-19 crisis on banks' financial situation in the impact assessment that will accompany that proposal.
Komisija bo upoštevala vpliv krize COVID-19 na finančno stanje bank v oceni učinka, ki bo priložena navedenemu predlogu.
They are not borrower-specific, as the length of the delays in payments is fixed for every borrower irrespective of the borrower's specific financial circumstances 48 .
Niso prilagojena posameznemu posojilojemalcu, ker je dolžina zamud pri plačilih določena za vsakega posojilojemalca, ne glede na njegove posebne finančne okoliščine 48 .
In this regard, the EBA 42 and the ECB 43 have issued statements and guidance with the aim of providing clarity on how to handle in a consistent manner aspects related to (i) the classification of loans in default and (ii) the identification of forborne exposures.
EBA 42 in ECB 43 sta v zvezi s tem podala izjave in smernice, katerih namen je razjasniti, kako dosledno obravnavati vidike, ki se nanašajo na (i) razvrstitev neodplačanih posojil in (ii) opredelitev restrukturiranih izpostavljenosti.
The European Parliament, in its Resolution of 17 April 8 , insisted on a proactive role for the banking sector in this crisis, while the EU ministers of finance, in their Statement 9 adopted on 16 April, called on the banking sector to support households and corporates affected by the COVID-19 outbreak, with the aim of ensuring business continuity.
Evropski parlament je v svoji resoluciji z dne 17. aprila 8 vztrajno poudarjal proaktivno vlogo bančnega sektorja v tej krizi, medtem ko so finančni ministri EU v svoji izjavi 9 , sprejeti 16. aprila, pozvali bančni sektor, naj podpre gospodinjstva in podjetja, ki jih je prizadel izbruh COVID-19, da bi se zagotovilo neprekinjeno poslovanje.
Public authorities and bodies at Union, Member-State and international levels have taken swift and decisive actions to provide banks with the necessary measures to effectively channel funds to businesses and households.
Javni organi in telesa na ravni Unije, držav članic in na mednarodni ravni so sprejeli hitre in odločne ukrepe, da bi bankam zagotovili potrebne ukrepe za učinkovito usmerjanje sredstev v podjetja in gospodinjstva.
If a forbearance measure leads to a diminished financial obligation (so-called "distressed restructuring"), this indicates that the borrower is unlikely to pay its obligation 47 .
Če ukrep restrukturiranja vodi v zmanjšano finančno obveznost (tako imenovano „nujno prestrukturiranje"), to pomeni, da posojilojemalec verjetno ne bo poravnal svoje obveznosti 47 .
In addition, the IASB issued on 27 March a document on the application of IFRS 9 in the context of the COVID-19 crisis confirming the flexibility in IFRS 9 and referring explicitly to the statements of the ECB, EBA and ESMA 30 .
Poleg tega je IASB 27. marca izdal dokument o uporabi MSRP 9 v okviru krize COVID-19, ki potrjuje prožnost v MSRP 9 in se izrecno sklicuje na izjave ECB, EBA in ESMA 30 .
At the same time, it is crucial that banks continue to measure risks in an accurate, consistent and transparent manner, as this is necessary to monitor the effects of the COVID-19 crisis on the EU economy and provides the foundation for a resilient banking sector.
Hkrati je bistveno, da banke še naprej merijo tveganja na natančen, dosleden in pregleden način, saj je to potrebno za spremljanje učinkov krize COVID-19 na gospodarstvo EU in zagotavlja temelje za odporen bančni sektor.
Moratoria reset the date compared to which the ‘days past due' of borrowers should be calculated 28 .
Moratoriji ponovno določijo datum, v primerjavi s katerim je treba izračunati „zapadle dneve" posojilojemalcev 28 .
Further impacts of the COVID-19 crisis on statutory audit of financial statements in general are included in CEAOB's statement 35 .
Nadaljnji učinki krize COVID-19 na obvezno revizijo računovodskih izkazov na splošno so vključeni v izjavo CEAOB 35 .
Such disclosures allow market participants to make informed assessments on the credit risk exposures of banks.
Takšna razkritja udeležencem na trgu omogočajo, da opravijo ocene na podlagi informacij o izpostavljenosti bank kreditnemu tveganju.
Banks that opted not to use the IFRS 9 transitional arrangements in 2018 could reverse that decision subject to prior approval from their competent authority.
Banke, ki so se odločile, da v letu 2018 ne bodo uporabile prehodnih ureditev za MSRP 9, bi lahko to odločitev spremenile, če to predhodno odobri njihov pristojni organ.
Banks should use the capital buffers in order to maintain lending to the real economy and markets should not attach any stigma to their use under the present circumstances.
Banke bi morale uporabljati kapitalske blažilnike, da bi ohranile kreditiranje realnega gospodarstva, trgi pa v sedanjih okoliščinah ne bi smeli stigmatizirati njihove uporabe.
The prudential rules on the classification of non-performing loans (NPLs) can accommodate relief measures such as guarantees and private or statutory moratoria.
Bonitetni predpisi o razvrstitvi nedonosnih kreditov dopuščajo ukrepe pomoči, kot so jamstva in zasebni ali zakonski moratoriji.
The EBA and the Chair of the ECB's Supervisory Board have encouraged banks to exercise moderation regarding bonuses, and a number of national supervisors have already taken some actions in this regards.
EBA in predsednik nadzornega sveta ECB sta pozvala banke k zmernosti v zvezi z nagradami, več nacionalnih nadzornikov pa je v zvezi s tem že sprejelo nekaj ukrepov.
In the current context, it is of paramount importance that all resources available to banks, including those allocated for bonuses are, as much as possible, mobilised to reinforce banks' robustness, their lending capacity and so ultimately support their clients.
V sedanjih razmerah je izjemno pomembno, da se vsa sredstva, ki so na voljo bankam, vključno s tistimi, dodeljenimi za nagrade, kolikor je to mogoče mobilizirajo za okrepitev trdnosti bank in njihove zmožnosti kreditiranja ter tako namenijo podpori strank.
Meanwhile, the wider financial system has also coped well with the stressed conditions linked to the Covid-19 crisis.
Medtem se je tudi širši finančni sistem dobro spopadal s stresnimi razmerami, povezanimi s krizo zaradi COVID-19.
External auditors are expected to take into account the statements issued by the BCBS, EBA 31 , ESMA 32 , the ECB 33 , the IASB 34 and in this Communication in their audit work.
Od zunanjih revizorjev se pričakuje, da bodo pri revizijskem delu upoštevali izjave BCBS, EBA 31 , ESMA 32 , ECB 33 , IASB 34 in tega sporočila.
Where the repayment of an obligation is suspended because of a moratorium, the counting of the ‘days past due' 50 is suspended and any delays are counted based on the modified schedule of payments 51 .
Kadar je odplačevanje obveznosti začasno prekinjeno zaradi moratorija, je štetje „dni zamude" 50 začasno prekinjeno, vse zamude pa se štejejo na podlagi spremenjenega razporeda plačil 51 .
3.Flexibility embedded in the prudential rules on the classification of non-performing loans
3.Prožnost v bonitetnih predpisih o razvrstitvi nedonosnih kreditov
Going forward, the Commission will further engage with the European financial sector on its role in the fight against the coronavirus and its socio-economic impacts, and the support of a sustainable economic recovery.
Komisija bo v prihodnosti še naprej sodelovala z evropskim finančnim sektorjem glede njegove vloge v boju proti koronavirusu in njegovim socialno-ekonomskim posledicam ter pri podpori trajnostnemu gospodarskemu okrevanju.
These comprehensive monetary, regulatory and fiscal measures give banks the necessary resources and flexibility to support the EU economy during the COVID-19 crisis.
Ti obsežni monetarni, regulativni in fiskalni ukrepi dajejo bankam potrebna sredstva in prožnost za podporo gospodarstvu EU v času krize COVID-19.
Banks, although substantially recapitalised and much better equipped to sustain adverse scenarios than during the financial crisis of 2008/9, need nonetheless to prepare for a worsening economic outlook that will inevitably increase the risks they face and related costs.
Banke, ki so sicer znatno dokapitalizirane in veliko bolje opremljene za to, da vzdržijo neugodne scenarije, kot med finančno krizo v letih 2008/9, se morajo kljub temu pripraviti na vse slabše gospodarske obete, ki bodo neizogibno povečali tveganja, s katerimi se soočajo, in s tem povezane stroške.
-The European Commission, as part of a coordinated EU response to counter the economic impact of the COVID-19 crisis 4 , has used the full flexibility of the State Aid 5 and Stability and Growth Pact 6 frameworks to allow Member States to provide a decisive and coordinated fiscal response.
-Evropska komisija je kot del usklajenega odziva EU za zmanjševanje učinka krize COVID-19 na gospodarstvo 4 v celoti izkoristila prožnost okvirov za državno pomoč 5 ter Pakta za stabilnost in rast 6 za omogočanje državam članicam, da zagotovijo odločen in usklajen fiskalni odziv.
Banks have to act prudently to make sure they preserve or reinforce their capital base and implicitly their capacity to continue lending.
Banke morajo ravnati preudarno za zagotavljanje, da ohranijo ali okrepijo svojo kapitalsko osnovo in s tem svoje zmožnosti za nadaljnje kreditiranje.
The EBA guidelines of 2 April 2020 on payment moratoria 49 specify under which conditions public or private payment moratoria do not trigger the classification as forbearance.
Smernice EBA z dne 2. aprila 2020 o moratorijih na plačila 49 določajo, pod katerimi pogoji zakonski ali zasebni moratoriji na plačila ne sprožijo razvrstitve kot restrukturiranje.
Capital ratios and liquidity buffers have improved significantly, and banks' leverage and reliance on short term funding have decreased.
Kapitalski količniki in likvidnostni blažilniki so se znatno izboljšali, finančni vzvodi bank in zanašanje na kratkoročno financiranje pa sta se zmanjšala.
The Commission invites the EBA to take stock of how public guarantees provided in response to the COVID-19 crisis should be treated for risk mitigation purposes, and provide further guidance, as appropriate.
Komisija poziva EBA, naj preuči, kako bi bilo treba obravnavati javna jamstva, zagotovljena kot odziv na krizo COVID-19, za namene zmanjševanja tveganja, in naj po potrebi zagotovi dodatne smernice.
Under the definition of forbearance 46 banks typically offer specific measures (e.g. to temporarily suspend principal and/or interest payments of a loan) to help individual borrowers who are experiencing or likely to experience temporary financial difficulties with their repayment obligations.
Pod opredelitvijo restrukturiranja 46 banke običajno ponujajo posebne ukrepe (npr. začasno ustavitev plačil glavnice in/ali obresti za posojila) za pomoč posameznim posojilojemalcem, ki imajo ali bi lahko imeli začasne finančne težave glede obveznosti odplačevanja dolga.
Banks should use quantitative and qualitative judgement and take into account the specific characteristics of the moratoria, to determine whether moratoria would result in a "modification" under IFRS 9 or whether a modification is "substantial" and would lead therefore to a de-recognition of the loan.
Banke bi morale uporabiti kvantitativno in kvalitativno presojo ter upoštevati posebne značilnosti moratorijev, da bi ugotovile, ali bi privedli do „spremembe" v skladu z MSRP 9 oziroma ali je sprememba „bistvena" in bi zato pomenila odpravo pripoznanja posojila.
Households and solvent undertakings should be supported to withstand this slowdown in economic activity and the liquidity shortages that it will cause.
Gospodinjstva in solventna podjetja bi bilo treba podpreti, da bodo prenesla to upočasnitev gospodarske dejavnosti in pomanjkanje likvidnosti, ki ga bo upočasnitev povzročila.
The Commission, together with the ECB, the EBA and national authorities, will monitor how banks will use the flexibility and freed-up capital and assess to what extent the relief measures contribute to the supply of bank credit.
Komisija bo skupaj z ECB, EBA in nacionalnimi organi spremljala, kako bodo banke uporabljale prožnost in sproščeni kapital, ter ocenila, v kolikšni meri ukrepi pomoči prispevajo k zagotavljanju bančnih posojil.
Banks must equally continue to apply sound underwriting and know-your-customer standards as required by EU legislation.
Banke morajo prav tako še naprej uporabljati zanesljive standarde za odobravanje kreditov in poznavanje strank, kot to zahteva zakonodaja EU.
Banks are responsible for keeping liquidity flowing and should continue to assume their collective duty to preserve interbank lending.
Banke so odgovorne za vzdrževanje likvidnosti in bi morale še naprej prevzemati kolektivno dolžnost ohranjanja medbančnega kreditiranja.
The statements published by EBA and ESMA on 25 March 29 clarified that support measures do not automatically lead to a SICR under IFRS 9.
V izjavah, ki sta jih objavila EBA in ESMA 25. marca 29 , je bilo pojasnjeno, da podporni ukrepi ne privedejo samodejno do znatnega povečanja kreditnega tveganja v skladu z MSRP 9.
To ensure that banks can play their key role in supporting the EU economy during the COVID-19 crisis, this Communication confirms the flexibility highlighted by the EBA 19 , the ECB 20 , the ESMA 21 and the CEAOB 22 , as well as the BCBS 23 and the IASB 24 with a view to give as much certainty to the matter as possible at the current juncture.
Za zagotavljanje, da lahko banke igrajo svojo ključno vlogo pri pomoči gospodarstvu EU v času krize COVID-19, to sporočilo potrjuje prožnost, ki so jo izpostavili EBA 19 , ECB 20 , ESMA 21 in CEAOB 22 , pa tudi BCBS 23 in IASB 24 , da bi se v tej fazi v zvezi s tem zagotovila čim večja gotovost.
The EBA 13 , the European Central Bank Banking Supervision (ECB) 14 , the European Securities and Markets Authority (ESMA) 15 and the Committee of European Audit Oversight Bodies (CEAOB) 16 have clarified how the ample flexibility embedded in the current accounting and prudential frameworks allows the exceptional measures taken in response to this unprecedented situation to be managed in a robust but non-disruptive way.
EBA 13 , bančni nadzor Evropske centralne banke 14 , Evropski organ za vrednostne papirje in trge (ESMA) 15 in Odbor evropskih organov za nadzor revizorjev (CEAOB) 16 so pojasnili, kako velika prožnost v sedanjih računovodskih in bonitetnih okvirih omogoča sprejetje izrednih ukrepov, da bi se te razmere brez primere obvladovale na zanesljiv način in brez povzročanja motenj.