natgillin/translations-raw huggingface dataset:
Correlations in operational risk losses across individual operational risk estimates may be recognised only if credit institutions can demonstrate to the satisfaction of the competent authorities that their systems for measuring correlations are sound, implemented with integrity, and take into account the uncertainty surrounding any such correlation estimates, particularly in periods of stress.
Korelacije pri izgubah iz operativnega tveganja po posameznih ocenah operativnega tveganja se lahko priznajo samo, če kreditne institucije lahko pristojnim organom dokažejo, da so njihovi sistemi merjenja korelacij stabilni, da se izvajajo celovito in da upoštevajo negotovost, ki obkroža vse take ocene korelacij, zlasti v obdobjih izjemnih okoliščin.
The credit institution must validate its correlation assumptions using appropriate quantitative and qualitative techniques.
Kreditne institucije morajo ovrednotiti svoje predpostavke o korelacijah z uporabo kvantitativnih in kvalitativnih tehnik.
The risk measurement system shall be internally consistent and shall avoid the multiple counting of qualitative assessments or risk mitigation techniques recognised in other areas of the capital adequacy framework.
Sistem merjenja tveganja je notranje dosleden in se izogiba večkratnemu štetju kvalitativnih ocen ali tehnik zmanjševanja tveganja, priznanih na drugih področjih okvira kapitalske ustreznosti.
Internal data
Notranji podatki
Internally generated operational risk measures shall be based on a minimum historical observation period of five years.
Notranje izračunane mere operativnega tveganja so zasnovane na najkrajšem preteklem obdobju opazovanja pet let.
When a credit institution first moves to an Advanced Measurement Approach, a three-year historical observation period is acceptable.
Ko kreditna institucija prvič preide na napredni pristop za merjenje operativnega tveganja, je sprejemljivo triletno preteklo obdobje opazovanja.
Credit institutions must be able to map their historical internal loss data into the business lines defined in Part 2 and into the event types defined in Part 5, and to provide these data to competent authorities upon request.
Kreditne institucije morajo biti sposobne razporediti svoje pretekle notranje podatke o izgubi po poslovnih področjih, opredeljenih v delu 2 in po vrstah dogodkov, opredeljenih v delu 5, ter te podatke na zahtevo zagotoviti pristojnim organom.
There must be documented, objective criteria for allocating losses to the specified business lines and event types.
Obstajati morajo dokumentirana, objektivna merila za razporejanje izgub po določenih poslovnih področjih in vrstah dogodkov.
The operational risk losses that are related to credit risk and have historically been included in the internal credit risk databases must be recorded in the operational risk databases and be separately identified.
Izgube iz operativnega tveganja, ki so povezane s kreditnim tveganjem in so bile v preteklosti vključene v notranjih zbirkah podatkov o kreditnem tveganju, morajo biti evidentirani v zbirkah podatkov o operativnem tveganju in ločeno označene.
Such losses will not be subject to the operational risk charge, as long as they continue to be treated as credit risk for the purposes of calculating minimum capital requirements.
Takšne izgube ne bodo predmet kapitalski zahtevi za operativno tveganje, dokler se bodo za namene izračuna minimalnih kapitalskih zahtev obravnavale v okviru kreditnega tveganja.
Operational risk losses that are related to market risks shall be included in the scope of the capital requirement for operational risk.
Izgube iz operativnega tveganja, ki so povezane s tržnimi tveganji, se vključijo v obseg kapitalske zahteve za operativno tveganje.
The credit institution's internal loss data must be comprehensive in that it captures all material activities and exposures from all appropriate sub-systems and geographic locations.
Notranji podatki o izgubi kreditne institucije morajo biti celoviti v smislu, da zajemajo vse bistvene dejavnosti in izpostavljenosti iz vseh ustreznih podsistemov in geografskih lokacij.
Credit institutions must be able to justify that any excluded activities or exposures, both individually and in combination, would not have a material impact on the overall risk estimates.
Kreditne institucije morajo biti zmožne utemeljiti, da katere koli izključene dejavnosti ali izpostavljenosti, tako posamezno kot v kombinaciji, nimajo bistvenega vpliva na celotne ocene tveganja.
Appropriate minimum loss thresholds for internal loss data collection must be defined.
Opredeliti je treba ustrezne spodnje meje izgube za zbiranje podatkov o notranji izgubi.
Aside from information on gross loss amounts, credit institutions shall collect information about the date of the event, any recoveries of gross loss amounts, as well as some descriptive information about the drivers or causes of the loss event.
Poleg informacij o bruto zneskih izgube, kreditne institucije zbirajo informacije o datumu dogodka, morebitnih povračilih od bruto zneskov izgube, kakor tudi določene opisne informacije o dejavnikih ali vzrokih škodnega dogodka.
There shall be specific criteria for assigning loss data arising from an event in a centralised function or an activity that spans more than one business line, as well as from related events over time.
Oblikujejo se posebna merila za razporejanje podatkov o izgubi, ki izhaja iz dogodka v centralizirani funkciji ali dejavnosti, ki se razteza čez več kot eno poslovno področje, kakor tudi iz povezanih dogodkov skozi čas.
Credit institutions must have documented procedures for assessing the on-going relevance of historical loss data, including those situations in which judgement overrides, scaling, or other adjustments may be used, to what extent they may be used and who is authorised to make such decisions.
Kreditne institucije morajo imeti dokumentirane postopke za ocenjevanje tekoče ustreznosti preteklih podatkov o izgubi, vključno s situacijami, pri katerih se lahko uporabijo pomembne presoje, prilagoditvena merila ali druge prilagoditve, ter do katerega obsega se lahko uporabijo in kdo je pooblaščen za sprejemanje takih odločitev.
External data
Zunanji podatki
The credit institution's operational risk measurement system shall use relevant external data, especially when there is reason to believe that the credit institution is exposed to infrequent, yet potentially severe, losses.
Sistem kreditne institucije za merjenje operativnega tveganja uporablja ustrezne zunanje podatke, zlasti če utemeljeno pričakovati, da je kreditna institucija izpostavljena sicer ne tako pogostim, vendar potencialno hudim izgubam.
A credit institution must have a systematic process for determining the situations for which external data must be used and the methodologies used to incorporate the data in its measurement system.
Kreditna institucija mora imeti sistematičen proces za določanje razmer, v katerih se morajo uporabiti zunanji podatki in metodologije za vključitev podatkov v sistem merjenja.
The conditions and practices for external data use must be regularly reviewed, documented and subject to periodic independent review.
Pogoji in prakse za uporabo zunanjih podatkov morajo biti redno preverjani, dokumentirani in podvrženi rednemu neodvisnemu pregledu.
Scenario analysis
Analiza scenarijev
The credit institution shall use scenario analysis of expert opinion in conjunction with external data to evaluate its exposure to high severity events.
Kreditna institucija uporabi analizo scenarijev glede na strokovno mnenje v zvezi z zunanjimi podatki, da ovrednoti svojo izpostavljenost do zelo resnih dogodkov.
Over time, such assessments need to be validated and re-assessed through comparison to actual loss experience to ensure their reasonableness.
Te ocene je treba sčasoma ovrednotiti in ponovno oceniti na podlagi primerjave z izkušnjo dejanske izgube zaradi zagotavljanja njihove utemeljenosti.
Business environment and internal control factors
Dejavniki poslovnega okolja in dejavniki sistema notranjih kontrol
The credit institution's firm-wide risk assessment methodology must capture key business environment and internal control factors that can change its operational risk profile.
Metodologija kreditne institucije za merjenje tveganja na ravni podjetja mora zajeti ključne dejavnike poslovnega okolja in dejavnike sistema notranjih kontrol, ki lahko spremenijo njen profil operativne tveganosti.
The choice of each factor needs to be justified as a meaningful driver of risk, based on experience and involving the expert judgment of the affected business areas.
Izbira vsakega dejavnika mora biti upravičena v smislu, da je pomemben nosilec tveganja, na podlagi izkušenj in vključitve strokovne ocene prizadetih poslovnih področij.
The sensitivity of risk estimates to changes in the factors and the relative weighting of the various factors need to be well reasoned.
Občutljivost ocen tveganja na spremembe dejavnikov in relativna utež različnih dejavnikov morata biti dobro utemeljena.
In addition to capturing changes in risk due to improvements in risk controls, the framework must also capture potential increases in risk due to greater complexity of activities or increased business volume.
Poleg zajemanja sprememb tveganja zaradi izboljšav kontrole tveganja mora okvir zajeti tudi potencialna povečanja tveganja zaradi večje kompleksnosti dejavnosti ali povečanega poslovnega obsega.
This framework must be documented and subject to independent review within the credit institution and by competent authorities.
Ta okvir mora biti dokumentiran in podvržen neodvisnemu pregledu v kreditni instituciji s strani pristojnih organov.
Over time, the process and the outcomes need to be validated and re-assessed through comparison to actual internal loss experience and relevant external data.
Proces in njegovi rezultati morajo biti sčasoma ovrednoteni in ponovno ocenjeni na podlagi primerjave z izkušnjami dejanske notranje izgube in ustreznimi zunanji podatki.
IMPACT OF INSURANCE AND OTHER RISK TRANSFER MECHANISMS
VPLIV ZAVAROVANJA IN DRUGE OBLIKE PRENOSA TVEGANJA
Credit institutions shall be able to recognise the impact of insurance subject to the conditions set out in points 26 to 29 and other risk transfer mechanisms where the credit institution can demonstrate to the satisfaction of the competent authorities that a noticeable risk mitigating effect is achieved.
Kreditne institucije lahko upoštevajo vpliv zavarovanja v skladu s pogoji, določenimi v odstavkih 26 do 29, in vpliv drugih oblik prenosa tveganja, če pristojnemu organu dokažejo, da s tem dosežejo opazen učinek zmanjševanja tveganj.
The provider is authorised to provide insurance or re-insurance and the provider has a minimum claims paying ability rating by an eligible ECAI which has been determined by the competent authority to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to credit institutions under Articles 78 to 83.
Zavarovatelj je pooblaščen, da zagotovi zavarovanje ali pozavarovanje in zavarovatelj ima za odplačevanje terjatev minimalno bonitetno oceno priznane ECAI, ki po določilih pristojnih organov po pravilih za tehtanje tveganosti izpostavljenosti do kreditnih institucij na podlagi členov 78 do 83 ustreza najmanj stopnji kreditne kvalitete 3..
The insurance and the credit institutions' insurance framework shall meet the following conditions:(a) the insurance policy must have an initial term of no less than one year.
Zavarovanje in zavarovalni okvir kreditnih institucij morata izpolnjevati naslednje pogoje:(a) zavarovalna polica mora imeti začetno obdobje veljavnosti najmanj eno leto.
For policies with a residual term of less than one year, the credit institution must make appropriate haircuts reflecting the declining residual term of the policy, up to a full 100 % haircut for policies with a residual term of 90 days or less;
Za police s preostalim obdobjem veljavnosti, krajšim od enega leta, mora kreditna institucija opraviti ustrezne odbitke pri vrednotenju, ki odražajo iztekajoče se preostalo obdobje veljavnosti police, do polnega 100-odstotnega odbitka za police s preostalim obdobjem veljavnosti 90 dni ali manj;
the insurance policy has a minimum notice period for cancellation of the contract of 90 days;
zavarovalna polica ima minimalni odpovedni rok za preklic pogodbe 90 dni;
the insurance policy has no exclusions or limitations triggered by supervisory actions or, in the case of a failed credit institution, that preclude the credit institution receiver or liquidator, from recovering for damages suffered or expenses incurred by the credit institution, except in respect of events occurring after the initiation of receivership or liquidation proceedings in respect of the credit institution; provided that the insurance policy may exclude any fine, penalty, or punitive damages resulting from actions by the competent authorities;
zavarovalna polica ne vsebuje nikakršnih izjem ali omejitev, ki jih sprožijo nadzorniška dejanja ali, v primeru kreditne institucije v postopku neprostovoljne likvidacije ali stečaja, ki kreditni instituciji, stečajnemu upravitelju ali likvidacijskemu upravitelju onemogočijo, da izterja nadomestilo za realizirano škodo ali stroške, ki jih je povzročila kreditna institucija, razen v zvezi z dogodki, ki so se pojavili po uvedbi stečajnega ali likvidacijskega postopka v zvezi s kreditno institucijo; pod pogojem, da v zavarovalni polici obstaja možnost izključitve denarne kazni, kazni ali eksemplarične odškodnine, ki so posledica dejanj pristojnih organov;
the risk mitigation calculations must reflect the insurance coverage in a manner that is transparent in its relationship to, and consistent with, the actual likelihood and impact of loss used in the overall determination of operational risk capital;
izračuni zmanjšanja tveganja morajo upoštevati zavarovalno kritje na pregleden način v razmerju do dejanske verjetnosti in vpliva izgube, ki je bila uporabljena pri splošnem določanju kapitala za pokrivanje operativnega tveganja, in v skladu s tem;
the insurance is provided by a third party entity.
zavarovanje izda tretja oseba.
In the case of insurance through captives and affiliates, the exposure has to be laid off to an independent third party entity, for example through re-insurance, that meets the eligibility criteria; and
V primeru zavarovanja prek lastnih zavarovalnic ali odvisnih podjetij mora biti izpostavljenost prenesena na neodvisno tretjo osebo, na primer prek pozavarovanja, ki izpolnjuje merila primernosti;
the framework for recognising insurance is well reasoned and documented.
okvir za priznavanje zavarovanja je dobro utemeljen in dokumentiran.
The methodology for recognising insurance shall capture the following elements through discounts or haircuts in the amount of insurance recognition:(a) the residual term of an insurance policy, where less than one year, as noted above;
Metodologija za priznavanje zavarovanja zajema naslednje elemente prek popustov ali odbitkov pri vrednotenju priznanega zneska zavarovanja:(a) preostalo obdobje veljavnosti police, če je krajše od enega leta, kakor je navedeno zgoraj;
a policy's cancellation terms, where less than one year; and
obdobja za preklic zavarovalne police, če so krajša od enega leta; in
the uncertainty of payment as well as mismatches in coverage of insurance policies.
negotovost plačila, kakor tudi neusklajenosti pri kritju zavarovalnih polic.
The capital alleviation arising from the recognition of insurance shall not exceed 20 % of the capital requirement for operational risk before the recognition of risk‐mitigation techniques.
Kapitalsko zmanjšanje, ki izhaja iz priznanja zavarovanja ne presega 20 % kapitalske zahteve za operativno tveganje pred priznanjem tehnik za zmanjševanje tveganja.
APPLICATION TO USE AN ADVANCED MEASUREMENT APPROACH ON A GROUP-WIDE BASIS
VLOGA ZA UPORABO NAPREDNEGA PRISTOPA ZA MERJENJE OPERATIVNEGA TVEGANJA NA RAVNI SKUPINE
When an Advanced Measurement Approach is intended to be used by the EU parent credit institution and its subsidiaries, or by the subsidiaries of an EU parent financial holding company, the application shall include a description of the methodology used for allocating operational risk capital between the different entities of the group.
Če namerava napredni pristop za merjenje operativnega tveganja uporabiti nadrejena kreditna institucija v EU in njene podrejene družbe ali podrejene družbe nadrejenega finančnega holdinga v EU, mora vloga vsebovati opis metodologije, ki se uporablja za porazdelitev kapitala za pokrivanje operativnega tveganja med različnimi subjekti skupine.
The application shall indicate whether and how diversification effects are intended to be factored in the risk measurement system.
V vlogi se navede, ali in kako se nameravajo upoštevati učinki razpršitve v sistemu merjenja tveganja.
Combined use of different methodologies
Kombinirana uporaba različnih metodologij
USE OF AN ADVANCED MEASUREMENT APPROACH IN COMBINATION WITH OTHER APPROACHES
UPORABA NAPREDNEGA PRISTOPA MERJENJA OPERATIVNEGA TVEGANJA V KOMBINACIJI Z DRUGIMI PRISTOPI
A credit institution may use an Advanced Measurement Approach in combination with either the Basic Indicator Approach or the Standardised Approach, subject to the following conditions:(a) all operational risks of the credit institution are captured.
Kreditna institucija lahko uporabi napredni pristop merjenja operativnega tveganja v kombinaciji z enostavnim pristopom ali standardiziranim pristopom pod naslednjimi pogoji:(a) zajeta so vsa operativna tveganja kreditne institucije.
The competent authority shall be satisfied with the methodology used to cover different activities, geographical locations, legal structures or other relevant divisions determined on an internal basis; and
Izpolnjena je zahteva pristojnega organa glede metodologije, ki se uporablja za pokrivanje različnih dejavnosti, geografskih lokacij, pravnih struktur ali drugih zadevnih delitev, določenih interno; in
the qualifying criteria set out in Parts 2 and 3 are fulfilled for the Part of activities covered by the Standardised Approach and Advanced Measurement Approaches respectively.
kvalifikacijska merila, določena v delih 2 in 3, so posamično izpolnjeni za del dejavnosti, ki ga pokrivata standardizirani pristop in napredni pristop za merjenje operativnega tveganja.
On a case-by case basis, the competent authority may impose the following additional conditions:(a) on the date of implementation of an Advanced Measurement Approach, a significant part of the credit institution's operational risks are captured by the Advanced Measurement Approach; and
Na podlagi posamične obravnave primerov lahko pristojni organ naloži naslednje dodatne pogoje:(a) na datum uvedbe naprednega pristopa za merjenje operativnega tveganja je pomemben delež operativnih tveganj kreditne institucije zajet z naprednim pristopom za merjenje operativnega tveganja; in
the credit institution takes a commitment to roll out the Advanced Measurement Approach across a material Part of its operations within a time schedule agreed with its competent authorities.
kreditna institucija se zaveže, da napredni pristop merjenja razširi na bistveni del svojega poslovanja v časovnem okviru, dogovorjenem s pristojnimi organi.
COMBINED USE OF THE BASIC INDICATOR APPROACH AND OF THE STANDARDISED APPROACH
KOMBINIRANA UPORABA ENOSTAVNEGA PRISTOPA IN STANDARDIZIRANEGA PRISTOPA
A credit institution may use a combination of the Basic Indicator Approach and the Standardised Approach only in exceptional circumstances such as the recent acquisition of new business which may require a transition period for the roll out of the Standardised Approach.
Kreditna institucija lahko uporabi kombinacijo enostavnega pristopa in standardiziranega pristopa samo v izjemnih okoliščinah, kot je nedavni prevzem novega podjetja, ki lahko zahteva prehodno obdobje za uvedbo standardiziranega pristopa.
The combined use of the Basic Indicator Approach and the Standardised Approach shall be conditional upon a commitment by the credit institution to roll out the Standardised Approach within a time schedule agreed with the competent authorities.
Kombinirana uporaba enostavnega pristopa in standardiziranega pristopa je pogojena z zavezo kreditne institucije, da bo uvedla standardizirani pristop v časovnem okviru, dogovorjenem s pristojnimi organi.
Loss event type classification
Razvrščanje vrst škodnih dogodkov
Event-Type Category
Kategorija vrste dogodka
Internal fraud
Notranja goljufija
Losses due to acts of a type intended to defraud, misappropriate property or circumvent regulations, the law or company policy, excluding diversity/discrimination events, which involves at least one internal party
Izgube zaradi dejanj vrste poneverba, odtujitev lastnine ali izogibanje predpisom, zakonu ali politiki podjetja, razen različnih dogodkov, ki izhajajo iz razlikovanja/diskriminacije, v katere je vpletena vsaj ena notranja oseba.
External fraud
Zunanja goljufija
Losses due to acts of a type intended to defraud, misappropriate property or circumvent the law, by a third party
Izgube zaradi dejanj vrste, katere cilj je poneverba, odtujitev lastnine ali izogibanje zakonu, s strani tretje osebe.
Employment Practices and Workplace Safety
Ravnanja v zvezi z zaposlovanjem in varnostjo pri delu
Losses arising from acts inconsistent with employment, health or safety laws or agreements, from payment of personal injury claims, or from diversity/discrimination events
Izgube, ki izhajajo iz dejanj, neskladnih z zakoni ali pogodbami, ki urejajo zaposlovanje, zdravje ali varnost, iz plačila odškodninskih zahtevkov v zvezi z osebnimi poškodbami ali iz dogodkov, ki izhajajo iz razlikovanja/diskriminacije.
Clients, Products & Business Practices
Stranke, produkti in poslovna praksa
Losses arising from an unintentional or negligent failure to meet a professional obligation to specific clients (including fiduciary and suitability requirements), or from the nature or design of a product
Izgube, ki izhajajo iz nenamernega neizpolnjevanja ali malomarnega izpolnjevanja strokovne obveznosti do določenih strank (vključno s zahtevami glede zaupnosti in ustreznosti poslovanja) ali iz narave ali sestave produkta.
Damage to Physical Assets
Škoda na premičnem in nepremičnem premoženju
Losses arising from loss or damage to physical assets from natural disaster or other events
Izgube, ki izhajajo iz izgube premičnega ali nepremičnega premoženja ali škode na tem premoženju zaradi naravnih nesreč in drugih dogodkov.
Business disruption and system failures
Poslovne motnje in izpadi sistemov
Losses arising from disruption of business or system failures
Izgube, ki izhajajo iz poslovnih motenj ali izpadov sistemov.
Execution, Delivery & Process Management
Izvedba, dostava in upravljanje procesov
Losses from failed transaction processing or process management, from relations with trade counterparties and vendors
Izgube, ki izhajajo iz neuspele obdelave poslov ali upravljanja postopkov, iz odnosov z nasprotnimi strankami in prodajalci.
TECHNICAL CRITERIA ON REVIEW AND EVALUATION BY THE COMPETENT AUTHORITIES
TEHNIČNA MERILA ZA PREGLEDOVANJE IN VREDNOTENJE S STRANI PRISTOJNIH ORGANOV
In addition to credit, market and operational risks, the review and evaluation performed by competent authorities pursuant to Article 124 shall include the following:(a) the results of the stress test carried out by the credit institutions applying an IRB approach;
Poleg pregledovanja in vrednotenja kreditnega, tržnega in operativnega tveganja, pregledovanje in vrednotenje s strani pristojnih organov na podlagi člena 124 vključuje naslednje:(a) rezultate testiranja izjemnih situacij, ki ga opravljajo kreditne institucije, ki uporabljajo pristop IRB;
the exposure to and management of concentration risk by the credit institutions, including their compliance with the requirements laid down in Articles 108 to 118;
izpostavljenost tveganju koncentracije ter upravljanje s temi tveganji s strani kreditnih institucij, vključno z njihovim ravnanjem v skladu z zahtevami, določenimi v členih 108 do 118;