natgillin/translations-raw huggingface dataset:
Advancing the date of application of the two supporting factors, the preferential treatment of certain software assets, and the preferential treatment of certain loans backed by pensions or salaries would free up own funds of institutions, allowing them to boost much needed lending during the COVID-19 pandemic and its aftermath.
S premikom naprej datuma začetka uporabe obeh faktorjev za podporo, prednostne obravnave nekatere programske opreme in prednostne obravnave nekaterih kreditov, zavarovanih s pokojninami ali plačami, bi se sprostil kapital institucij, kar bi jim omogočilo, da okrepijo tako zelo potrebno kreditiranje v času pandemije COVID-19 in po njej.
f2 = the applicable factor laid down in paragraph 6a;
f2 = veljavni faktor, določen v odstavku 6a;
Fifth, the application dates of some of the capital benefits envisaged in the CRR but not yet applicable need to be anticipated, namely the provisions on the treatment of certain software assets, the provisions on certain loans backed by pensions or salaries, the revised supporting factor for small and medium-sized enterprises (SME) and the new supporting factor for infrastructure finance.
Petič, naprej je treba premakniti datume začetka uporabe nekaterih ugodnosti za kapital, predvidenih v CRR, ki se še ne uporabljajo, in sicer določb o obravnavi nekatere programske opreme, določb o nekaterih kreditih, zavarovanih s pokojninami ali plačami, spremenjenega faktorja za podporo malim in srednjim podjetjem (MSP) ter novega faktorja za podporo financiranja infrastrukturnih projektov.
In order to limit the possible volatility of regulatory capital that may occur if the COVID-19 crisis results in a significant increase in expected credit loss provisions, it is necessary to extend the transitional arrangements also in Union law.
Da bi se omejila morebitna nestanovitnost regulativnega kapitala, do katere bi lahko prišlo, če bi kriza zaradi COVID-19 povzročila znatno povečanje rezervacij za pričakovane kreditne izgube, je treba prehodno ureditev podaljša tudi v pravu Unije.
To ensure that the additional relief is targeted at ECL arising from the exceptional circumstances of the COVID-19 pandemic without introducing undue complexity, the reference date for any increase in provisions that would be subject to the extended transitional arrangements is moved from 1 January 2018 to 1 January 2020, as from this date on additional losses incurred by institutions would likely be related to the COVID-19 pandemic.
Za zagotovitev dodatne razbremenitve v zvezi s pričakovanimi kreditnimi izgubami, ki nastajajo zaradi izjemnih okoliščin pandemije COVID-19, brez uvedbe nepotrebne kompleksnosti, se referenčni datum za vsako povečanje rezervacij, za katere bi veljala podaljšana prehodna ureditev, prestavi s 1. januarja 2018 na 1. januar 2020, saj bodo po tem datumu dodatne izgube, ki jih bodo utrpele institucije, verjetno povezane s pandemijo COVID-19.
"EMLR = the institution's total exposure measure as defined in Article 429(4), including the exposures excluded in accordance with point (n) of paragraph 1 of this Article, on the day of the public declaration referred to in point (a) of paragraph 5 of this Article; and
„EM LR = mera skupne izpostavljenosti institucije, kot je opredeljena v členu 429(4), vključno z izpostavljenostmi, izključenimi v skladu s točko (n) odstavka 1 tega člena, na dan javne izjave iz točke (a) odstavka 5 tega člena; in
In the context of the COVID-19 pandemic the transitional arrangements are extended only for the dynamic component in accordance with the targeted revisions 10 of the internationally agreed prudential standards (Article 1 point (2) of the proposal) to address the potential increase in ECL provisions following the COVID-19 pandemic.
V času pandemije COVID-19 se prehodna ureditev podaljša le za dinamično komponento v skladu s ciljno usmerjenimi revizijami 10 mednarodno dogovorjenih bonitetnih standardov (člen 1(2) predloga) za obravnavo morebitnega povečanja rezervacij za pričakovane kreditne izgube po pandemiji COVID-19.
First, it is necessary to adjust the transitional arrangements that allow credit institutions to alleviate the impact from expected credit-loss (ECL) provisioning under IFRS 9 on their own funds.
Prvič, prilagoditi je treba prehodno ureditev, ki kreditnim institucijam omogoča, da ublažijo učinek, ki ga imajo rezervacije za pričakovane kreditne izgube v skladu z MSRP 9 na njihov kapital.
Public authorities at Union and Member State level have taken decisive actions to support households and solvent undertakings to withstand this severe but temporary slowdown in economic activity and the liquidity shortages it causes.
Javni organi na ravni Unije in držav članic so sprejeli odločne ukrepe za podporo gospodinjstvom in solventnim podjetjem, da bi prenesla to resno, vendar začasno upočasnitev gospodarske dejavnosti in pomanjkanje likvidnosti, ki ga ta povzroča.
The proposal primarily aims at providing, for exceptional reasons in the context of the current COVID-19 pandemic, deferrals as regards the date of application of certain provisions of the CRR, or anticipating the application of measures that would relieve banks from some capital requirements, or specifying the prudential treatment of certain exposures in light of the exceptional circumstances created by the COVID-19 pandemic.
Namen predloga je predvsem zaradi izjemnih razlogov v času pandemije COVID-19 zagotoviti odlog začetka uporabe nekaterih določb uredbe o kapitalskih zahtevah ali pospešiti uporabo ukrepov, s katerimi bi banke razbremenili nekaterih kapitalskih zahtev, ali določiti bonitetno obravnavo nekaterih izpostavljenosti v luči izrednih okoliščin, ki so nastale zaradi pandemije COVID-19.
This would recognise the similar characteristics shared by export credit agencies guarantees and COVID-19 related guarantees.
Tako bi se priznale podobne značilnosti, ki so skupne tako jamstvom izvoznih agencij kot jamstvom v zvezi s pandemijo COVID-19.
During the periods set out in paragraphs 6 and 6a of this Article, in addition to disclosing the information required in Part Eight, institutions that have decided to apply the transitional arrangements set out in this Article shall disclose the amounts of own funds, Common Equity Tier 1 capital and Tier 1 capital, the Common Equity Tier 1 capital ratio, the Tier 1 capital ratio, the total capital ratio and the leverage ratio they would have in case they were not to apply this Article.
Institucije, ki se odločijo za uporabo prehodne ureditve iz tega člena, v obdobjih iz odstavkov 6 in 6a tega člena poleg razkritja zahtevanih informacij iz dela 8 razkrijejo tudi zneske kapitala, navadnega lastniškega temeljnega kapitala in temeljnega kapitala, količnik navadnega lastniškega temeljnega kapitala, količnik temeljnega kapitala, količnik skupnega kapitala in količnik finančnega vzvoda, ki bi jih imele, če ne bi uporabile tega člena.
To allow institutions to benefit from the more favourable treatment already during the COVID-19 pandemic, the date of application of that provision is advanced (Article 2 point (1) of the proposal).
Da bi se ugodnejša obravnava institucijam omogočila že v času pandemije COVID-19, se premakne naprej datum začetka uporabe te določbe (člen 2(1) predloga).
The objectives pursued by the envisaged amendments, namely to maximise the capacity of credit institutions to lend and to absorb losses related to the COVID-19 pandemic, while still ensuring their continued resilience, can be better achieved at Union level rather than by different national initiatives as the amendments concern the application dates of Union rules or represent adjustments to existing Union rules in response to the COVID-19 pandemic.
Cilji predvidenih sprememb, in sicer kar najbolj povečati zmožnost kreditnih institucij za kreditiranje in pokrivanje izgub, povezanih s pandemijo COVID-19, ob hkratnem zagotavljanju njihove stalne odpornosti, se lahko bolje dosežejo na ravni Unije in ne z različnimi nacionalnimi pobudami, saj se spremembe nanašajo na datume začetka uporabe pravil Unije ali pomenijo prilagoditve obstoječih pravil Unije za odziv na pandemijo COVID-19.
(11)To mitigate the potential impact that a sudden increase in expected credit loss provisions may have on institutions' capacity to lend to clients at times when it is most needed, the transitional arrangements should be extended by two years and institutions should be allowed to fully add-back to their Common Equity Tier 1 capital any increase in new expected credit loss provisions that they recognise in 2020 and 2021 for their financial assets, which are not credit-impaired.
(11)Da bi ublažili morebiten vpliv, ki bi ga lahko imelo nenadno povečanje rezervacij za pričakovane kreditne izgube na zmožnost institucij za kreditiranje strank v času, ko je to najbolj potrebno, bi bilo treba prehodno ureditev podaljšati za dve leti, institucije pa bi morale imeti možnost, da svojemu navadnemu lastniškemu temeljnemu kapitalu v celoti dodajo vsako povečanje novih rezervacij za pričakovane kreditne izgube, ki jih v letih 2020 in 2021 pripoznajo za svoja finančna sredstva, ki nimajo poslabšane kreditne kakovosti.
(8)Evidence emerged in the context of the COVID-19 pandemic has made apparent that the possibility to temporarily exclude certain central bank exposures from the calculation of an institution's total exposure measure, as laid down in Article 429a of Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876, could prove essential during a crisis situation.
(8)Dokazi, ki so se pojavili v kontekstu pandemije COVID-19, so pokazali, da bi se lahko možnost začasne izključitve nekaterih izpostavljenosti do centralnih bank iz izračuna mere skupne izpostavljenosti institucije, kot je določeno v členu 429a Uredbe (EU) št. 575/2013, kakor je bila spremenjena z Uredbo (EU) 2019/876, v kriznih razmerah izkazala za bistveno.
The latter Regulation has also introduced in the CRR more favourable prudential treatments of certain software assets, of certain pension- and salary-backed loans, as well as of loans to small and medium sized enterprises (SMEs) and infrastructure projects.
S slednjo uredbo so bile v CRR vključene tudi ugodnejše bonitetne obravnave nekatere programske opreme, nekaterih kreditov, zavarovanih s pokojnino ali plačo, kreditov malim in srednjim podjetjem (MSP) ter kreditov za infrastrukturne projekte.
(12)Institutions that opted not to use the transitional arrangements previously are able to reverse that decision anytime during the transitional period subject to prior approval from their competent authority.
(12)Institucije, ki se prej niso odločile za uporabo prehodne ureditve, lahko to odločitev spremenijo kadar koli v prehodnem obdobju s predhodno odobritvijo svojega pristojnega organa.
In the context of the COVID-19 pandemic and in line with the revised implementation timeline agreed by the BCBS, the date of application set in Article 3(5) of the CRR II is deferred by one year, to 1 January 2023 (Article 2 point (2) of the proposal).
V času pandemije COVID-19 in v skladu s spremenjeno časovnico izvajanja, o kateri se je dogovoril Baselski odbor za bančni nadzor, se datum začetka uporabe iz člena 3(5) CRR II odloži za eno leto, tj. na 1. januar 2023 (člen 2(2) predloga).
(2)Since its entry into force, Regulation (EU) No 575/2013 has been amended several times to address remaining weaknesses in the prudential regulatory framework and to implement some outstanding elements of the global financial services reform that are essential to ensure the resilience of institutions.
(2)Uredba (EU) št. 575/2013 je bila od začetka veljavnosti večkrat spremenjena, da so se odpravile preostale slabosti v bonitetnem regulativnem okviru in izvedli nekateri še neizvedeni elementi globalne reforme finančnih storitev, ki so bistvenega pomena za zagotovitev odpornosti institucij.
Public authorities at Union and Member State levels have taken decisive actions to support households and solvent undertakings to withstand this severe but temporary slowdown in economic activity and the liquidity shortages that it will cause.
Javni organi na ravni Unije in držav članic so sprejeli odločne ukrepe za podporo gospodinjstvom in solventnim podjetjem, da bi prenesla to resno, vendar začasno upočasnitev gospodarske dejavnosti in pomanjkanje likvidnosti, ki ga bo ta upočasnitev povzročila.
Regulation (EU) No 575/2013 1 of the European Parliament and of the Council (the Capital Requirements Regulation or CRR) establishes together with Directive 2013/36/EU 2 (the Capital Requirements Directive or CRD) the prudential regulatory framework for credit institutions operating in the Union.
Uredba (EU) št. 575/2013 1 Evropskega parlamenta in Sveta (v nadaljnjem besedilu: uredba o kapitalskih zahtevah ali CRR) skupaj z Direktivo 2013/36/EU 2 (direktiva o kapitalskih zahtevah ali CRD) določa bonitetni regulativni okvir za kreditne institucije, ki poslujejo v Uniji.
Point (18) of Article 1 of this Regulation, as regards point (b) of Article 36(1) of Regulation (EU) No 575/2013, containing the provision on the exemption from deductions of prudently valued software assets, shall apply from the date of entry into force of the regulatory technical standards referred to in Article 36(4) of Regulation (EU) No 575/2013.
Točka 18 člena 1 te uredbe v zvezi s točko (b) člena 36(1) Uredbe (EU) št. 575/2013, ki vsebuje določbo o izvzetju iz odbitkov preudarno vrednotene programske opreme, se uporablja od datuma začetka veljavnosti regulativnih tehničnih standardov iz člena 36(4) Uredbe (EU) št.
An institution may reverse its decision during the transitional period provided it has received the prior permission of the competent authority.
Institucija lahko spremeni svojo odločitev v prehodnem obdobju, če je prejela predhodno dovoljenje pristojnega organa.
The reference dates in paragraphs (3) and (5) of Article 473a of the CRR for computing a possible increase in ECL provisions for non-credit-impaired assets at the reporting date, which may be added back to CET1 capital are amended in consideration of the revised formula in paragraph 1 and the new cut-off date.
Referenčni datumi iz odstavkov (3) in (5) člena 473a CRR za izračun morebitnega povečanja rezervacij za pričakovane kreditne izgube za sredstva brez poslabšane kreditne kakovosti na datum poročanja, ki se lahko dodajo navadnemu lastniškemu temeljnemu kapitalu, se spremenijo ob upoštevanju spremenjene formule iz odstavka 1 in novega roka.
(7)Guarantees provided in the context of the COVID-19 pandemic by national governments or other public entities, which are eligible as credit protection providers under the credit risk mitigation rules set out in Chapter Four of Part Three of Regulation (EU) No 575/2013 are comparable regarding their risk mitigating effects to guarantees provided by official export credit agencies as referred to in Article 47c of Regulation (EU) No 575/2013.
(7)Jamstva, ki jih v zvezi s pandemijo COVID-19 zagotavljajo nacionalne vlade ali drugi javni subjekti, ki so primerni za dajalce kreditnega zavarovanja v skladu s pravili za zmanjševanje kreditnega tveganja iz poglavja 4 dela 3 Uredbe (EU) št. 575/2013, so glede na njihove učinke na zmanjševanje tveganja primerljiva z jamstvi, ki jih zagotavljajo uradne izvozne agencije iz člena 47c Uredbe (EU) št. 575/2013.
(1)Article 429a, as amended by Regulation (EU) 2019/876, is amended as follows:
(1)Člen 429a, kot je bil spremenjen z Uredbo (EU) 2019/876, se spremeni:
3.Point (1) of Article 1 of this Regulation, as regards the changes to Article 429a of Regulation (EU) No 575/2013, as amended by Regulation (EU) 2019/876, in relation to the offsetting mechanism attached to a temporary exclusion of certain central bank reserves, shall apply from 28 June 2021.
3.Točka (1) člena 1 te uredbe v zvezi s spremembami člena 429a Uredbe (EU) št. 575/2013, kakor je bila spremenjena z Uredbo (EU) 2019/876, v zvezi z mehanizmom izravnave, ki je povezan z začasno izključitvijo nekaterih rezerv centralnih bank, se uporablja od 28. junija 2021.
amending Regulations (EU) No 575/2013 and (EU) 2019/876 as regards adjustments in response to the COVID-19 pandemic
o spremembi uredb (EU) št. 575/2013 in (EU) 2019/876 glede prilagoditev zaradi pandemije COVID-19
It is therefore necessary to advance the date of application of the two supporting factors so that they can be used by institutions already during the COVID-19 pandemic.
Zato je treba določiti zgodnejši datum začetka uporabe obeh faktorjev za podporo, da ju lahko institucije uporabijo že med pandemijo COVID-19.
By way of derogation from Article 47c(3), until [date of entry into force of this amending Regulation + 7 years] the factors set out in Article 47c(4) shall also apply to the part of the non-performing exposure guaranteed by an eligible provider referred to in points (a) to (e) of Article 201(1), where, subject to compliance with Union State aid rules, where applicable, the guarantee or counter-guarantee is provided as part of support measures to assist borrowers amid the COVID-19 pandemic.
Z odstopanjem od člena 47c(3) se do [datum začetka veljavnosti te uredbe o spremembi +7 let] faktorji iz člena 47c(4) uporabljajo tudi za del nedonosne izpostavljenosti, za katerega jamči primerni dajalec iz točk (a) do (e) člena 201(1), kadar je jamstvo ali posredno jamstvo zagotovljeno kot del ukrepov podpore za pomoč kreditojemalcem v času pandemije COVID-19, pod pogojem, da je to skladno s pravili Unije o državni pomoči, kjer je ustrezno. "
Second, to account for the impact of COVID-19 related guarantees, the rules on the minimum loss coverage for non-performing exposures (NPEs) need to be adjusted to extend temporarily the treatment that is currently applicable to NPEs guaranteed or insured by export credit agencies to NPEs that would arise as a consequence of the COVID-19 pandemic and that are covered by the various guarantee schemes that were put in place by Member States.
Drugič, zaradi upoštevanja učinka jamstev v zvezi s COVID-19 je treba pravila o minimalnem kritju izgub za nedonosne izpostavljenosti prilagoditi tako, da se obravnava, ki se trenutno uporablja za nedonosne izpostavljenosti, za katere jamčijo ali jih zavarujejo izvozne agencije, začasno razširi na nedonosne izpostavljenosti, ki bi nastale kot posledica pandemije COVID-19 ter ki so zajete v različnih jamstvenih shemah, ki so jih vzpostavile države članice.
Furthermore, Regulation (EU) 2019/876 5 (CRR II) has added to the CRR some of the final elements of the international reforms (the finalised Basel III framework), which entail amongst others, a new definition of the leverage ratio and a leverage ratio buffer, which will prevent institutions from excessively increasing leverage.
Poleg tega je Uredba (EU) št. 2019/876 5 (CRR II) CRR dodala nekatere končne elemente mednarodnih reform (dokončan okvir Basel III), ki med drugim vključujejo novo opredelitev količnika finančnega vzvoda in blažilnika količnika finančnega vzvoda, ki bosta institucijam preprečila pretirano povečanje finančnega vzvoda.
It is therefore necessary to advance the date of application of that provision so that it can be used by institutions already during the COVID-19 pandemic.
Zato je treba določiti zgodnejši datum začetka uporabe te določbe, da ga lahko institucije uporabijo že med pandemijo COVID-19.
(20)Regulations (EU) No 575/2013 and (EU) 2019/876 should therefore be amended accordingly,
(20)Uredbi (EU) št. 575/2013 in (EU) 2019/876 bi bilo zato treba ustrezno spremeniti -
(15)The provisions on the adjustment of risk-weighted non-defaulted SME exposures set out in Article 501 of Regulation (EU) No 575/2013 (the SME supporting factor) have been amended by Regulation (EU) 2019/876.
(15)Določbe o prilagoditvi tveganju prilagojenih izpostavljenosti do MSP, ki niso neplačane, iz člena 501 Uredbe (EU) št. 575/2013 (t. i. faktor za podporo MSP) so bile spremenjene z Uredbo (EU) 2019/876.
Article 473a(1) of the CRR contains a revised formula for the calculation of the ECL amounts that can be included in (i.e. "added back to") CET1 capital, which applies different factors to the static and the dynamic component, respectively.
Člen 473a(1) uredbe CRR vsebuje spremenjeno formulo za izračun zneskov pričakovanih kreditnih izgub, ki se lahko vključijo (tj. dodajo) v navadni lastniški temeljni kapital, uporablja pa različne faktorje za statično in dinamično komponento.
"(c) institutions shall replace the amount calculated in accordance with point (b) of paragraph 3 of this Article by the sum of the 12-month expected credit losses determined in accordance with paragraph 5.5.5 of the Annex relating to IFRS 9 and the amount of the loss allowance for lifetime expected credit losses determined in accordance with paragraph 5.5.3 of the Annex relating to IFRS 9 excluding the loss allowance for lifetime expected credit losses for financial assets that are credit-impaired, as defined in Appendix A to the Annex relating to IFRS 9, as of 1 January 2020 or on the date of initial application of IFRS 9, whichever is later, reduced by the sum of related expected loss amounts for the same exposures calculated in accordance with Article 158(5), (6) and (10).
„(c) institucije nadomestijo znesek, izračunan v skladu s točko (b) odstavka 3 tega člena, z vsoto pričakovanih kreditnih izgub v 12-mesečnem obdobju, ki se določijo v skladu z odstavkom 5.5.5 Priloge v zvezi z MSRP 9, in zneska popravka vrednosti za pričakovane kreditne izgube v celotnem obdobju trajanja, ki se določijo v skladu z odstavkom 5.5.3 Priloge v zvezi z MSRP 9, brez upoštevanja popravka vrednosti za pričakovane kreditne izgube v celotnem obdobju trajanja za finančna sredstva s poslabšano kreditno kakovostjo, kot so opredeljena v Dodatku A k Prilogi v zvezi z MSRP 9, na dan 1. januarja 2020 ali na dan začetka uporabe MSRP 9, zmanjšano za vsoto zneskov pričakovanih izgub za iste izpostavljenosti, izračunanih v skladu s členom 158(5), (6) in (10).
A new paragraph 6a extends the transition for the dynamic component, allowing institutions to fully add-back to their CET1 capital any increase in new provisions recognised in 2020 and 2021 for their financial assets that are not credit-impaired.
Nov odstavek 6a podaljšuje prehodno obdobje za dinamično komponento, s čimer institucijam omogoča, da navadnemu lastniškemu temeljnemu kapitalu v celoti dodajo vsako povečanje novih rezervacij, ki so bile v letih 2020 in 2021 pripoznane za njihova finančna sredstva brez poslabšane kreditne kakovosti.
The changes included the implementation of a discretion to temporarily exclude certain central bank exposures from an institutions' total exposure measure in exceptional circumstances (Article 429a(1)(n) and (5) to (7) of the CRR).
Spremembe so vključevale uveljavitev diskrecijske pravice do začasne izključitve nekaterih izpostavljenosti do centralnih bank iz mere skupne izpostavljenosti institucij v izjemnih okoliščinah (člen 429a(1)(n) in člen 429a(5) do (7) uredbe o kapitalskih zahtevah).
(b)for exposures which are subject to risk weighting in accordance with Chapter 3 of Title II of Part Three, the amount (ABIRB) calculated in accordance with the following formula:
(b)pri izpostavljenostih, za katere se uporablja utež tveganja v skladu s poglavjem 3 naslova II dela 3, se znesek (ABIRB) izračuna v skladu z naslednjo formulo: