natgillin/translations-raw huggingface dataset:
the effects of netting shall be factored into the credit institution's measurement of each counterparty's aggregate credit risk exposure and the credit institution manages its CCR on such a basis, and
učinki pobotanja med različnimi kategorijami produktov se vključijo v merjenje skupne izpostavljenosti kreditnemu tveganju posamezne nasprotne stranke, ki jo opravi kreditna institucija, pri čemer kreditna institucija upravlja s svojim CCR na taki podlagi; in
credit risk to each counterparty is aggregated to arrive at a single legal exposure across transactions.
kreditno tveganje do vsake nasprotne stranke se sešteje, da se vzpostavi enotna pravno zavezujoča izpostavljenost za vse posle.
This aggregation shall be factored into credit limit purposes and internal capital purposes.
Ta seštevek se vključi v kreditne limite in pri izračunu notranjega kapitala.
The competent authorities must be satisfied, if necessary after consulting the other competent authorities concerned, that the contractual netting is legally valid under the law of each of the relevant jurisdictions.
Pristojni organi se morajo strinjati s tem, da so pogodbe o pobotanju pravno veljavne po pravu vsake upoštevane pristojnosti, če je treba, se o tem posvetujejo z drugimi zadevnimi pristojnimi organi.
If any of the competent authorities are not satisfied in that respect, the contractual netting agreement will not be recognised as risk-reducing for either of the counterparties.
Če se kateri koli pristojni organ ne strinja s tem, se dogovoru o pobotanju ne prizna, da zmanjšuje tveganje za katero koli nasprotno stranko.
The competent authorities may accept reasoned legal opinions drawn up by types of contractual netting.
Pristojni organi lahko sprejmejo obrazložena pravna mnenja, ki so sestavljena glede na vrsto pogodb o pobotanju.
No contract containing a provision which permits a non-defaulting counterparty to make limited payments only, or no payments at all, to the estate of the defaulter, even if the defaulter is a net creditor (a ‘walkaway’ clause), may be recognised as risk-reducing.
Pogodbi se ne more priznati, da zmanjšuje tveganje, kadar vsebuje določilo, s katerim je sodelujoči stranki, ki ni v zaostanku z izpolnitvijo, dovoljeno, da plačuje omejene zneske ali sploh ne plačuje v korist stranke, ki zaostaja z izpolnitvijo, čeprav je ta neto upnik (t.i. walkaway klavzula).
In addition, for contractual cross-product netting agreements the following criteria shall be met:
Poleg zgoraj navedenega morajo biti za pogodbe o pobotu med različnimi kategorijami produktov izpolnjena naslednja merila:
the net sum referred to in subpoint (b)(i) of this Part shall be the net sum of the positive and negative close out values of any included individual bilateral master agreement and of the positive and negative mark-to-market value of the individual transactions (the ‘Cross-Product Net Amount’);
neto vsota iz podtočke (b)(i) tega dela je neto vsota pozitivnih in negativnih vrednosti katerekoli posamezne dvostranske vključene okvirne pogodbe o pobotu in vključenih posameznih poslov, izračunanih glede na pozitivno ali negativno tržno vrednost („neto znesek za različne kategorije produktov“);
the written and reasoned legal opinions referred to in subpoint (b)(ii) of this Part shall address the validity and enforceability of the entire contractual cross‐product netting agreement under its terms and the impact of the netting arrangement on the material provisions of any included individual bilateral master agreement.
pisno in obrazloženo pravno mnenje iz podtočke (b)(ii) tega dela obravnava veljavnost in prisilno izvršljivost celotne pogodbe o pobotu med različnimi kategorijami produktov v skladu s pogoji pogodbe, kakor tudi vpliv pogodbe o pobotu na bistvene določbe vseh morebitnih vključenih individualnih dvostranskih okvirnih pogodb o pobotu.
A legal opinion shall be generally recognised as such by the legal community in the Member State in which the credit institution is authorised or a memorandum of law that addresses all relevant issues in a reasoned manner;
Pravno mnenje je splošno priznano kot tako s strani pravne skupnosti v državi članici, v kateri je kreditna institucija pridobila dovoljenje za poslovanje ali s pravnim memorandumom, ki obrazloženo obravnava vse pomembne zadeve;
the credit institution shall have procedures in place under subpoint (b)(iii) of this Part to verify that any transaction which is to be included in a netting set is covered by a legal opinion; and
kreditna institucija ima postopke, vzpostavljene v skladu z podtočko (b)(iii) tega dela, da preveri, ali je posel, ki naj bi se vključil v niz pobotov, upoštevan v pravnem mnenju;
taking into account the contractual cross product netting agreement, the credit institution shall continue to comply with the requirements for the recognition of bilateral netting and the requirements of Articles 90 to 93 for the recognition of credit risk mitigation, as applicable, with respect to each included individual bilateral master agreement and transaction.
ob upoštevanju pogodbe o pobotu med različnimi kategorijami produktov, kreditna institucija še naprej izpolnjuje zahteve za priznanje dvostranskega pobota in po potrebi tudi zahteve iz členov 90 do 93 za priznanje zmanjšanja kreditnega tveganja v zvezi z vsako posamezno vključeno okvirno pogodbo o pobotu in poslom.
Effects of recognition
Učinki priznanja
Netting for the purposes of Parts 5 and 6 shall be recognised as set out therein.
Pobot za namene delov 5 in 6 se priznava tako, kot je tam navedeno.
Contracts for novation
Pogodbe o novaciji
The single net amounts fixed by contracts for novation, rather than the gross amounts involved, may be weighted.
Tehta se enotni neto znesek, ki je določen v pogodbi o novaciji, ne pa bruto zneski.
step (b): the notional principal amounts or underlying values
koraku (b): nominalni zneski glavnice ali osnovne vrednosti
may be obtained taking account of the contract for novation.
lahko izračunani z upoštevanjem pogodbe o novaciji.
In the application of Part 4, in step (a) the notional principal amount may be calculated taking account of the contract for novation; the percentages of Table 3 must apply.
Pri uporabi dela 4 se lahko pri koraku (a) izračuna nominalni znesek glavnice z upoštevanjem pogodbe o novaciji; uporabijo se odstotki iz tabele 3.
Other netting agreements
Drugi dogovori o pobotu
In application of Part 3:
Pri uporabi dela 3 se:
in step (a) the current replacement cost for the contracts included in a netting agreement may be obtained by taking account of the actual hypothetical net replacement cost which results from the agreement; in the case where netting leads to a net obligation for the credit institution calculating the net replacement cost, the current replacement cost is calculated as ‘0’, and
pri koraku (a) lahko izračunajo tekoči nadomestitveni stroški za pogodbe, vključene v dogovor o pobotu tako, da se upoštevajo dejanski hipotetični neto nadomestitveni stroški, ki izhajajo iz dogovora; kadar pobotanja povzročijo neto obveznost kreditne institucije, ki izračunava neto nadomestitvene stroške, se tekoči nadomestitveni stroški izračunajo kot „0“, in
in step (b) the figure for potential future credit exposure for all contracts included in a netting agreement may be reduced according to the following formula:
pri koraku (b) potencialna bodoča kreditna izpostavljenost pri vseh pogodbah, vključenih v dogovor o pobotu, lahko zmanjša z naslednjo enačbo:
PCEred = 0,4 * PCEgross + 0,6 * NGR * PCEgross
PKIzmanj= 0,4 * PKIbruto+ 0,6* RNB * PKIbruto kjer je:
PCEred = the reduced figure for potential future credit exposure for all contracts with a given counterparty included in a legally valid bilateral netting agreement
zmanjšana višina potencialne bodoče kreditne izpostavljenosti za vse pogodbe, sklenjene s isto nasprotno stranko, ki so vključene v pravno veljaven dvostranski dogovor o pobotu PKI bruto =
PCEgross = the sum of the figures for potential future credit exposure for all contracts with a given counterparty which are included in a legally valid bilateral netting agreement and are calculated by multiplying their notional principal amounts by the percentages set out in Table 1
vsota višin potencialne bodoče kreditne izpostavljenosti za vse pogodbe, sklenjene z isto nasprotno stranko, ki so vključene v pravno veljaven dvostranski dogovor o pobotu in so izračunane s pomnožitvijo njihovih nominalnih zneskov glavnice in odstotkov iz tabele 1
NGR = ‘net-to-gross ratio’: at the discretion of the competent authorities either:(i) separate calculation: the quotient of the net replacement cost for all contracts included in a legally valid bilateral netting agreement with a given counterparty (numerator) and the gross replacement cost for all contracts included in a legally valid bilateral netting agreement with that counterparty (denominator), or
RNB = „razmerje neto/bruto“: po presoji pristojnih organov:(i) ločen izračun: kvocient med neto nadomestitvenimi stroški za vse pogodbe, vključene v pravno veljaven dvostranski dogovor o pobotu, sklenjen z določeno nasprotno stranko (števec), in bruto nadomestitvenimi stroški za vse pogodbe, vključene v pravno veljaven dvostranski dogovor o pobotu, sklenjen s to nasprotno stranko (imenovalec), bodisi
aggregate calculation: the quotient of the sum of the net replacement cost calculated on a bilateral basis for all counterparties taking into account the contracts included in legally valid netting agreements (numerator) and the gross replacement cost for all contracts included in legally valid netting agreements (denominator).
agregatni izračun: kvocient med neto nadomestitvenimi stroški, izračunanih na dvostranski osnovi za vse nasprotne stranke, ob upoštevanju pogodb, vključenih v pravno veljavne dogovore o pobotu (števec), in bruto nadomestitvenimi stroški za vse pogodbe, vključene v pravno veljavne dogovore o pobotu (imenovalec). Če države članice kreditnim institucijam dovolijo izbiro metode, morajo te izbrano metodo uporabljati dosledno.
If Member States permit credit institutions a choice of methods, the method chosen is to be used consistently.
Če države članice kreditnim institucijam dovolijo izbiro metode, morajo te izbrano metodo uporabljati dosledno.
For the calculation of the potential future credit exposure according to the above formula perfectly matching contracts included in the netting agreement may be taken into account as a single contract with a notional principal equivalent to the net receipts.
Za izračun potencialne bodoče kreditne izpostavljenosti v skladu z zgornjo formulo se lahko popolnoma ustrezajoče si pogodbe, vključene v dogovor o pobotu, upoštevajo kot enotna pogodba, katere nominalni znesek je enaka neto prejemkom.
Perfectly matching contracts are forward foreign-exchange contracts or similar contracts in which a notional principal is equivalent to cash flows if the cash flows fall due on the same value date and fully or partly in the same currency.
Popolnoma ustrezajoče si pogodbe so nestandardizirane terminske pogodbe na tujo valuto ali podobne pogodbe, v katerih je nominalni znesek enaka denarnim tokovom, če ti zapadejo na isti dan ter so v celoti ali delno poravnani v isti valuti.
In the application of Part 4, in step (a)
Pri uporabi dela 4 se pri koraku (a)
perfectly matching contracts included in the netting agreement may be taken into account as a single contract with a notional principal equivalent to the net receipts, the notional principal amounts are multiplied by the percentages given in Table 3, and
popolnoma ustrezajoče si pogodbe, vključene v dogovor o pobotu, lahko štejejo kot enotna pogodba, katere nominalni znesek je enaka neto prejemkom; nominalni zneski glavnice se pomnožijo z odstotki iz tabele 3, in
for all other contracts included in a netting agreement, the percentages applicable may be reduced as indicated in Table 6:Table 6
lahko pri vseh drugih pogodbah, vključenih v dogovor o pobotu, veljavni odstotki znižajo v skladu s tabelo 6:Tabela 6
Original maturity [5]
Originalna zapadlost [5]
Foreign-exchange contracts
Izvedeni finančni instrumenti na tujo valuto
More than one year but not more than two years
Več kakor 1 leto, vendar manj kakor 2 leti
Contracts which do not fall within one of the five categories indicated in this table shall be treated as contracts concerning commodities other than precious metals.
Pogodbe, ki ne spadajo v eno izmed petih kategorij iz te tabele, se obravnavajo kakor izvedeni finančni instrumenti na blago, razen plemenitih kovin.
For contracts with multiple exchanges of principal, the percentages have to be multiplied by the number of remaining payments still to be made according to the contract.
Pri pogodbah, pri katerih se glavnica večkrat zamenja, se odstotki pomnožijo s številom preostalih neopravljenih plačil po pogodbi.
For contracts that are structured to settle outstanding exposure following specified payment dates and where the terms are reset such that the market value of the contract is zero on these specified dates, the residual maturity would be equal to the time until the next reset date.
Pri pogodbah, ki so sestavljene za poravnavanje zapadlih zneskov glede na določene plačilne datume in v katerih so pogoji ponovno opredeljeni, tako da je tržna vrednost pogodbe na te določene datume „nič“, je preostala zapadlost enaka času do naslednje ponovne določitev pogojev.
In the case of interest-rate contracts that meet these criteria and have a remaining maturity of over one year, the percentage shall be no lower than 0,5 %.
Pri pogodbah na obrestno mero, ki izpolnjujejo ta merila in pri katerih je preostala zapadlost daljša od enega leta, odstotek ne sme biti nižji od 0,5 %.
In the case of interest-rate contracts, credit institutions may, subject to the consent of their competent authorities, choose either original or residual maturity.
Pri pogodbah na obrestno mero lahko kreditne institucije s soglasjem svojih pristojnih organov izberejo bodisi preostalo zapadlost bodisi originalno zapadlost.
TYPES OF DERIVATIVES
VRSTE IZVEDENIH FINANČNIH INSTRUMENTOV
Interest-rate contracts:
Izvedeni finančni instrumenti na obrestno mero:
single-currency interest rate swaps;
enovalutne zamenjave obrestnih mer;
basis-swaps;
zamenjave osnove;
forward rate agreements;
dogovori o obrestni meri;
interest-rate futures;
terminske pogodbe na obrestno mero;
interest-rate options purchased; and
kupljene obrestne opcije; in
other contracts of similar nature.
drugi podobni izvedeni finančni instrumenti.
Foreign-exchange contracts and contracts concerning gold:
Izvedeni finančni instrumenti na tujo valuto in zlato:
cross-currency interest-rate swaps;
medvalutne zamenjave obrestnih mer;
forward foreign-exchange contracts;
nestandardizirane terminske pogodbe na tujo valuto;
currency futures;
standardizirane terminske pogodbe na tujo valuto;
currency options purchased;
kupljene valutne opcije;
other contracts of a similar nature; and
drugi podobni izvedeni finančni instrumenti; in
contracts concerning gold of a nature similar to (a) to (e).
izvedeni finančni instrumenti na zlato, podobni instrumenti kakor tiste od (a) do (e).
Contracts of a nature similar to those in points 1(a) to (e) and 2(a) to (d) concerning other reference items or indices.
Izvedeni finančni instrumenti podobnega značaja kakor tiste v točkah 1(a) do (e) in 2(a) do (d) o drugih referenčnih postavkah ali indeksov.
This includes as a minimum all instruments specified in points 4 to 7, 9 and 10 of Section C of Annex I to Directive 2004/39/EC not otherwise included in points 1 or 2.
To vključuje najmanj vse instrumente, določene v točkah 4 do 7, 9 in 10 oddelka C Priloge I Direktive 2004/39/ES, ki drugače niso vključeni v odstavku 1 ali 2.
TECHNICAL CRITERIA CONCERNING THE ORGANISATION AND TREATMENT OF RISKS
TEHNIČNA MERILA ZA ORGANIZACIJO IN OBRAVNAVO TVEGANJ
Arrangements shall be defined by the management body described in Article 11 concerning the segregation of duties in the organisation and the prevention of conflicts of interest.
Uprava iz člena 11 opredeli ukrepe v zvezi z ločevanjem dolžnosti v organizaciji in preprečevanjem navzkrižnih interesov.
TREATMENT OF RISKS
OBRAVNAVA TVEGANJ
The management body described in Article 11 shall approve and periodically review the strategies and policies for taking up, managing, monitoring and mitigating the risks the credit institution is or might be exposed to, including those posed by the macroeconomic environment in which it operates in relation to the status of the business cycle.
Uprava iz člena 11 odobri in redno pregleduje strategije in politike za prevzemanje, upravljanje, spremljanje in zmanjševanje tveganj, katerim je ali bi lahko bila izpostavljena kreditna institucija, vključno s tveganji, ki jih predstavlja makroekonomsko okolje, v katerem institucija posluje, glede na stanje poslovnega cikla.
CREDIT AND COUNTERPARTY RISK
KREDITNO TVEGANJE IN TVEGANJE NASPROTNE STRANKE
Credit-granting shall be based on sound and well-defined criteria.
Odobritev kreditov temelji na zanesljivih in natančno opredeljenih merilih.
The process for approving, amending, renewing, and re-financing credits shall be clearly established.
Proces odobravanja, spreminjanja, obnavljanja in refinanciranja kreditov je jasno določen.
The ongoing administration and monitoring of their various credit risk-bearing portfolios and exposures, including for identifying and managing problem credits and for making adequate value adjustments and provisions, shall be operated through effective systems.
Stalno upravljanje in spremljanje portfeljev in izpostavljenosti, občutljivih na kreditno tveganje, vključno z ugotavljanjem in upravljanjem problematičnih kreditov ter oblikovanjem primernih oslabitev in rezervacij, se izvaja s pomočjo učinkovitih sistemov.
Diversification of credit portfolios shall be adequate given the credit institution's target markets and overall credit strategy.
Razpršenost kreditnih portfeljev je ustrezna glede na ciljne trge in splošno strategijo kreditne institucije.
RESIDUAL RISK
PREOSTALO TVEGANJE
The risk that recognised credit risk mitigation techniques used by the credit institution prove less effective than expected shall be addressed and controlled by means of written policies and procedures.
Tveganje, da bi se lahko priznane tehnike za zmanjševanje kreditnega tveganja, ki jih uporablja kreditna institucija, izkazale za manj učinkovite od pričakovanj, se obravnava in kontrolira v skladu s pisnimi politikami in postopki.
CONCENTRATION RISK
TVEGANJE KONCENTRACIJE
The concentration risk arising from exposures to counterparties, groups of connected counterparties, and counterparties in the same economic sector, geographic region or from the same activity or commodity, the application of credit risk mitigation techniques, and including in particular risks associated with large indirect credit exposures (e.g. to a single collateral issuer), shall be addressed and controlled by means of written policies and procedures.
Tveganje koncentracije zaradi izpostavljenosti do nasprotnih strank, skupin povezanih nasprotnih strank ter nasprotnih strank v istem gospodarskem sektorju, v isti geografski regiji ali v isti dejavnosti ali na področju istega blaga, uporaba tehnik za zmanjševanje kreditnega tveganja, vključno zlasti z velikimi posrednimi kreditnimi izpostavljenostmi (npr. enemu samemu izdajatelju zavarovanja s premoženjem), se obravnavajo in kontrolirajo v skladu s pisnimi politikami in postopki.
SECURITISATION RISK
TVEGANJA LISTINJENJA
The risks arising from securitisation transactions in relation to which the credit institutions are originator or sponsor shall be evaluated and addressed through appropriate policies and procedures, to ensure in particular that the economic substance of the transaction is fully reflected in the risk assessment and management decisions.
Tveganja zaradi poslov listinjenja, v okviru katerih so kreditne institucije v vlogi originatorja ali sponzorja, se ovrednotijo in obravnavajo s primernimi politikami in postopki, s katerimi se zlasti zagotovi, da se ekonomska vsebina posla v celoti odraža v oceni tveganja in odločitvah uprave.
Liquidity plans to address the implications of both scheduled and early amortization shall exist at credit institutions which are originators of revolving securitisation transactions involving early amortisation provisions.
Kreditne institucije, ki so originatorji obnavljajočih se poslov listinjenja, ki vsebujejo določbe o predčasnem odplačilu dolga, vzpostavijo likvidnostne načrte za odpravljanje posledic načrtovanega in predčasnega odplačila.
MARKET RISK
TRŽNA TVEGANJA
Policies and processes for the measurement and management of all material sources and effects of market risks shall be implemented.
Izvajajo se politike in postopki za merjenje in obvladovanje vseh bistvenih virov in vplivov tržnih tveganj.
INTEREST RATE RISK ARISING FROM NON-TRADING ACTIVITIES
TVEGANJE SPREMEMBE OBRESTNE MERE IZ NASLOVA BANČNIH AKTIVNOSTI
Systems shall be implemented to evaluate and manage the risk arising from potential changes in interest rates as they affect a credit institution's non-trading activities.
Vzpostavijo se sistemi za ovrednotenje in upravljanje s tveganjem zaradi morebitnih sprememb obrestnih mer, ki vplivajo na bančne aktivnosti kreditne institucije.
OPERATIONAL RISK
OPERATIVNO TVEGANJE
Policies and processes to evaluate and manage the exposure to operational risk, including to low-frequency high-severity events, shall be implemented.
Izvajajo se politike in procesi za ovrednotenje in upravljanje izpostavljenosti operativnemu tveganju, ki upoštevajo tudi dogodke vrste „majhna frekvenca – velik vpliv“.
Without prejudice to the definition laid down in Article 4(22), credit institutions shall articulate what constitutes operational risk for the purposes of those policies and procedures.
Kreditne institucije brez poseganja v opredelitev iz člena 4(22) določijo, kaj predstavlja operativno tveganje za namene navedenih politik in postopkov.
Contingency and business continuity plans shall be in place to ensure a credit institution's ability to operate on an ongoing basis and limit losses in the event of severe business disruption.
Pripravijo se krizni načrti in načrti neprekinjenega poslovanja, ki kreditni instituciji zagotovijo možnost neprekinjenega poslovanja in omejitev izgub v primeru resne motnje poslovanja.
LIQUIDITY RISK
LIKVIDNOSTNO TVEGANJE
Policies and processes for the measurement and management of their net funding position and requirements on an ongoing and forward-looking basis shall exist.
Vzpostavijo se trajne in v prihodnost usmerjene politike in procesi za merjenje in upravljanje neto pozicije sredstev ter zahteve.
Alternative scenarios shall be considered and the assumptions underpinning decisions concerning the net funding position shall be reviewed regularly.
Preučijo se različni scenariji, predpostavke, ki so podlaga za odločitve v zvezi z neto pozicijami sredstev, pa se redno pregledujejo.
Contingency plans to deal with liquidity crises shall be in place.
Pripravijo se krizni načrti za ravnanje v primerih likvidnostnih kriz.
STANDARDISED APPROACH
STANDARDIZIRANI PRISTOP
RISK WEIGHTS
Uteži tveganja
EXPOSURES TO CENTRAL GOVERNMENTS OR CENTRAL BANKS
IZPOSTAVLJENOSTI DO ENOT CENTRALNE RAVNI DRŽAV ALI CENTRALNIH BANK
Treatment
Obravnava
Without prejudice to points 2 to 7, exposures to central governments and central banks shall be assigned a 100 % risk weight.
Brez poseganja v odstavke 2 do 7 se izpostavljenostim do enot centralne ravni držav in centralnih bank dodeli utež tveganja 100 %.
Subject to point 3, exposures to central governments and central banks for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 1 in accordance with the assignment by the competent authorities of the credit assessments of eligible ECAIs to six steps in a credit quality assessment scale.
Ob upoštevanju odstavka 3 se dodeli izpostavljenostim do enot centralne ravni držav in centralnih bank, za katere je na razpolago bonitetna ocena imenovane zunanje bonitetne institucije (ECAI), utež tveganja v skladu s tabelo 1, glede na šest stopenj na lestvici ocenjevanja kreditne kvalitete, ki jih dodelijo pristojni organi bonitetnim ocenam primernih ECAI.
Credit quality step
Stopnja kreditne kvalitete