natgillin/translations-raw huggingface dataset:
for credit risk and dilution risk in respect of all of their business activities with the exception of their trading book business and illiquid assets if deducted from own funds under Article 13(2)(d) of Directive 2006/49/EC, 8 % of the total of their risk-weighted exposure amounts calculated in accordance with Section 3;
za kreditno tveganje in tveganje zmanjšanja vrednosti odkupljenih denarnih terjatev za vse poslovanje, razen poslov trgovanja in nelikvidnih sredstev, če so odšteta od lastnih sredstev na podlagi člena 13(2)(d) Direktive 2006/49/ES, 8 % vsote zneska tveganju prilagojenih izpostavljenosti, izračunanega v skladu z oddelkom 3;
in respect of their trading-book business, for position risk, settlement and counter‐party risk and, in so far as the limits laid down in Articles 111 to 117 are authorised to be exceeded, for large exposures exceeding such limits, the capital requirements determined in accordance with Article 18 and Chapter V, Section 4 of Directive 2006/49/EC;
za posle trgovanja, za pozicijsko tveganje, tveganje poravnave in nasprotne stranke in, če je dovoljena prekoračitev omejitev iz členov 111 do 117, za velike izpostavljenosti, ki presegajo te omejitve, kapitalske zahteve, določene v skladu s členom 18 in oddelkom 4 poglavja V Direktive 2006/49/ES ;
in respect of all of their business activities, for foreign-exchange risk and for commodities risk, the capital requirements determined according to Article 18 of Directive 2006/49/EC; and
za vse poslovne dejavnosti, za valutno tveganje in za tveganje v zvezi z blagom, kapitalske zahteve, določene v skladu s členom 18 Direktive 2006/49/ES; in
in respect of all of their business activities, for operational risk, the capital requirements determined in accordance with Section 4.
za vse poslovne dejavnosti, za operativno tveganje, kapitalske zahteve, določene v skladu z oddelkom 4.
Minimum own funds requirements for credit risk
Minimalne Zahteve po lastnih sredstvih za kreditno tveganje
Credit institutions shall apply either the Standardised Approach provided for in Articles 78 to 83 or, if permitted by the competent authorities in accordance with Article 84, the Internal Ratings Based Approach provided for in Articles 84 to 89 to calculate their risk-weighted exposure amounts for the purposes of Article 75(a).
Kreditne institucije za izračun svojih zneskov tveganju prilagojenih izpostavljenosti za namene člena 75(a) uporabljajo standardizirani pristop iz členov 78 do 83 ali pa, če jim dovolijo pristojni organi v skladu s členom 84, pristop na osnovi notranjih bonitetnih ocen iz členov 84 do 89.
‘Exposure’ for the purposes of this Section means an asset or off-balance sheet item.
„Izpostavljenost“ v tem oddelku pomeni aktivno postavko ali zunajbilančno postavko.
Standardised approach
Standardizirani pristop
Subject to paragraph 2, the exposure value of an asset item shall be its balance-sheet value and the exposure value of an off‐balance sheet item listed in Annex II shall be the following percentage of its value: 100 % if it is a full-risk item, 50 % if it is a medium-risk item, 20 % if it is a medium/low-risk item, 0 % if it is a low-risk item.
Ob upoštevanju odstavka 2 je vrednost izpostavljenosti aktivne postavke njena bilančna vrednost, vrednost izpostavljenosti zunajbilančne postavke iz Priloge II pa je naslednji odstotek njene vrednosti: 100 % če je postavka, ki predstavlja visoko tveganje, 50 % če je postavka, ki predstavlja srednje tveganje, 20 % če je postavka, ki predstavlja srednje/nizko tveganje, 0 % če je postavka, ki predstavlja nizko tveganje.
The off-balance sheet items referred to in the first sentence of this paragraph shall be assigned to risk categories as indicated in Annex II.
Zunajbilančne postavke iz prvega stavka tega odstavka se razporedijo v kategorije tveganja, kakor je navedeno v Prilogi II.
In the case of a credit institution using the Financial Collateral Comprehensive Method under Annex VIII, Part 3, where an exposure takes the form of securities or commodities sold, posted or lent under a repurchase transaction or under a securities or commodities lending or borrowing transaction, and margin lending transactions the exposure value shall be increased by the volatility adjustment appropriate to such securities or commodities as prescribed in Annex VIII, Part 3, points 34 to 59.
V primeru, da kreditna institucija uporablja razvito metodo za izračun učinkov zavarovanja s finančnim premoženjem iz dela 3 Priloge VIII, in če je izpostavljenost v obliki vrednostih papirjev ali blaga, prodanih, predloženih ali posojenih na podlagi poslov začasne prodaje/začasnega nakupa ali na podlagi poslov posoje/izposoje vrednostnih papirjev ali blaga in poslov posojanja za povečanje trgovalnega portfelja, se vrednost izpostavljenosti povečuje s prilagoditvijo za nestanovitnost, ki je primerna za take vrednostne papirje ali blago, kakor je predpisano v odstavkih 34 do 59 dela 3 Priloge VIII.
The exposure value of a derivative instrument listed in Annex IV shall be determined in accordance with Annex III with the effects of contracts of novation and other netting agreements taken into account for the purposes of those methods in accordance with Annex III.
Vrednost izpostavljenosti izvedenega finančnega instrumenta iz Priloge IV se določi v skladu s Prilogo III z upoštevanjem učinkov pogodb o novaciji in drugih pogodb o pobotu za namene navedenih metod v skladu s Prilogo III.
The exposure value of repurchase transactions, securities or commodities lending or borrowing transactions, long settlement transactions and margin lending transactions may be determined either in accordance with Annex III or Annex VIII.
Vrednost izpostavljenosti poslov začasne prodaje/začasnega nakupa ali poslov posoje/izposoje vrednostnih papirjev ali blaga, poslov z dolgim rokom poravnave in poslov posojanja za povečanje trgovalnega portfelja se lahko določi bodisi v skladu s Prilogo III ali Prilogo VIII.
Where an exposure is subject to funded credit protection, the exposure value applicable to that item may be modified in accordance with Subsection 3.
Če se za izpostavljenost uporablja stvarno kreditno zavarovanje, se lahko vrednost izpostavljenosti, ki se uporablja za navedeno postavko, spremeni v skladu s pododdelkom 3.
Notwithstanding paragraph 2, the exposure value of credit risk exposures outstanding, as determined by the competent authorities, with a central counterparty shall be determined in accordance with Annex III, Part 2, point 6, provided that the central counterparty's counterparty credit risk exposures with all participants in its arrangements are fully collateralised on a daily basis.
Ne glede na odstavek 2 se vrednost neporavnanih izpostavljenosti iz naslova kreditnega tveganja, ki jo določijo pristojni organi, do centralne nasprotne stranke določi v skladu z odstavkom 6 dela 2 Priloge III pod pogojem, da so izpostavljenosti centralne nasprotne stranke iz naslova kreditnega tveganja nasprotne stranke do vseh udeležencev, s katerimi ima sklenjene dogovore, v celoti zavarovane na dnevni osnovi.
Each exposure shall be assigned to one of the following exposure classes:
Vsaka izpostavljenost se razporedi v eno od naslednjih kategorij izpostavljenosti:
claims or contingent claims on central governments or central banks;
terjatve ali pogojne terjatve do enot centralne ravni držav ali centralnih bank;
claims or contingent claims on regional governments or local authorities;
terjatve ali pogojne terjatve do enot regionalne ali lokalne ravni držav;
claims or contingent claims on administrative bodies and non-commercial undertakings;
terjatve ali pogojne terjatve do upravnih organov in nekomercialnih podjetij;
claims or contingent claims on multilateral development banks;
terjatve ali pogojne terjatve do multilateralnih razvojnih bank;
claims or contingent claims on international organisations;
terjatve ali pogojne terjatve do mednarodnih organizacij;
claims or contingent claims on institutions;
terjatve ali pogojne terjatve do institucij;
claims or contingent claims on corporates;
terjatve ali pogojne terjatve do podjetij;
retail claims or contingent retail claims;
terjatve ali pogojne terjatve iz naslova bančništva na drobno;
claims or contingent claims secured on real estate property;
terjatve ali pogojne terjatve, zavarovane z nepremičninami;
past due items;
zapadle postavke;
items belonging to regulatory high-risk categories;
regulatorno zelo tvegane kategorije postavk;
claims in the form of covered bonds;
terjatve iz naslova naložb v krite obveznice;
securitisation positions;
pozicije listinjenja;
short-term claims on institutions and corporate;
kratkoročne terjatve do institucij in podjetij;
claims in the form of collective investment undertakings (‘CIU’); or
terjatve iz naslova naložb v investicijske sklade (CIU); ali
other items.
druge postavke.
To be eligible for the retail exposure class referred to in point (h) of paragraph 1, an exposure shall meet the following conditions:
Izpostavljenost je primerna za kategorijo izpostavljenosti do majhnih dolžnikov iz točke (h) odstavka 1, če izpolnjuje naslednje pogoje:
the exposure shall be either to an individual person or persons, or to a small or medium sized entity;
izpostavljenost je do posameznika ali posameznikov, ali do majhnih ali srednje velikih subjektov;
the exposure shall be one of a significant number of exposures with similar characteristics such that the risks associated with such lending are substantially reduced; and
izpostavljenost je ena od znatnega števila izpostavljenosti s podobnimi lastnostmi, tako da so tveganja, povezana s takim posojanjem, znatno zmanjšana; in
the total amount owed to the credit institution and parent undertakings and its subsidiaries, including any past due exposure, by the obligor client or group of connected clients, but excluding claims or contingent claims secured on residential real estate collateral, shall not, to the knowledge of the credit institution, exceed EUR 1 million. The credit institution shall take reasonable steps to acquire this knowledge.
kreditne institucije so seznanjene, da skupni znesek, dolgovan kreditni instituciji, nadrejenim družbam in njihovim podrejenim družbam, vključno z morebitnimi zapadlimi postavkami, s strani dolžnika ali skupine povezanih dolžnikov, vendar brez upoštevanja terjatev ali pogojnih terjatev, zavarovanih s stanovanjskimi nepremičninami, ne presega 1 milijon EUR. Kreditna institucija sprejme razumne ukrepe, da se s tem seznani.
Securities shall not be eligible for the retail exposure class.
Vrednostni papirji niso primerni za kategorijo izpostavljenosti do majhnih dolžnikov.
The present value of retail minimum lease payments is eligible for the retail exposure class.
Sedanja vrednost najmanjše vsote plačil po zakupu iz naslova bančništva na drobno je primerna za kategorijo izpostavljenosti iz naslova bančništva na drobno.
To calculate risk-weighted exposure amounts, risk weights shall be applied to all exposures, unless deducted from own funds, in accordance with the provisions of Annex VI, Part 1.
Za izračun zneskov tveganju prilagojenih izpostavljenost se uteži tveganja uporabijo za vse izpostavljenosti, razen če so odštete od lastnih sredstev, v skladu z določbami dela 1 Priloge VI.
The application of risk weights shall be based on the exposure class to which the exposure is assigned and, to the extent specified in Annex VI, Part 1, its credit quality.
Uporaba uteži tveganja temelji na kategoriji izpostavljenosti, v katero je dodeljena izpostavljenost, in v obsegu, ki je naveden v delu 1 Priloge VI, na njeni kreditni kvaliteti.
Credit quality may be determined by reference to the credit assessments of External Credit Assessment Institutions (‘ECAIs’) in accordance with the provisions of Articles 81 to 83 or the credit assessments of Export Credit Agencies as described in Annex VI, Part 1.
Kreditna kvaliteta se lahko določi glede na bonitetne ocene zunanjih bonitetnih institucij („ECAI“) v skladu z določbami členov 81 do 83 ali bonitetne ocene izvoznih agencij, kakor je opisano v delu 1 Priloge VI.
For the purposes of applying a risk weight, as referred to in paragraph 1, the exposure value shall be multiplied by the risk weight specified or determined in accordance with this Subsection.
Za namene uporabe uteži tveganja, kakor je navedeno v odstavku 1, se vrednost izpostavljenosti pomnoži z utežjo tveganja, navedeno ali določeno v skladu s tem pododdelkom.
For the purposes of calculating risk-weighted exposure amounts for exposures to institutions, Member States shall decide whether to adopt the method based on the credit quality of the central government of the jurisdiction in which the institution is incorporated or the method based on the credit quality of the counterparty institution in accordance with Annex VI.
Za izračun zneskov tveganju prilagojenih izpostavljenosti za izpostavljenosti do institucij se države članice odločijo, ali naj sprejmejo metodo na podlagi kreditne kvalitete enot centralne ravni države, pod jurisdikcijo katere je ustanovljena institucija, ali metodo na podlagi kreditne kvalitete institucije, ki je nasprotna stranka, v skladu s Prilogo VI.
Notwithstanding paragraph 1, where an exposure is subject to credit protection the risk weight applicable to that item may be modified in accordance with Subsection 3.
Ne glede na odstavek 1, če se za izpostavljenost uporablja kreditno zavarovanje, se lahko utež tveganja, ki se uporablja za navedeno postavko, spremeni v skladu s pododdelkom 3.
Risk-weighted exposure amounts for securitised exposures shall be calculated in accordance with Subsection 4.
Znesek tveganju prilagojenih izpostavljenosti za listinjene izpostavljenosti se izračuna v skladu s pododdelkom 4.
Exposures the calculation of risk-weighted exposure amounts for which is not otherwise provided for under this Subsection shall be assigned a risk-weight of 100 %.
Izpostavljenostim, za katere izračun zneskov tveganju prilagojenih izpostavljenosti ni drugače predviden v tem pododdelku, se dodeli utež tveganja 100 %.
With the exception of exposures giving rise to liabilities in the form of the items referred to in paragraphs (a) to (h) of Article 57, competent authorities may exempt from the requirements of paragraph 1 of this Article the exposures of a credit institution to a counterparty which is its parent undertaking, its subsidiary, a subsidiary of its parent undertaking or an undertaking linked by a relationship within the meaning of Article 12(1) of Directive 83/349/EEC, provided that the following conditions are met:
Z izjemo izpostavljenosti, ki predstavljajo obveznosti iz naslova postavk iz odstavkov (a) do (h) člena 57, lahko pristojni organi izvzamejo iz zahtev odstavka 1 tega člena izpostavljenosti kreditne institucije do nasprotne stranke, ki je njena nadrejena družba, njena podrejena družba ali podrejena družba njene nadrejene družbe, ali povezano podjetje v smislu člena 12(1) Direktive 83/349/EGS, če so izpolnjeni naslednji pogoji:
the counterparty is an institution or a financial holding company, financial institution, asset management company or ancillary services undertaking subject to appropriate prudential requirements;
nasprotna stranka je institucija ali finančni holding, finančna institucija, družba za upravljanje s premoženjem ali podjetje za pomožne storitve, za katero se uporabljajo ustrezne zahteve skrbnega in varnega poslovanja;
the counterparty is included in the same consolidation as the credit institution on a full basis;
nasprotna stranka je v celoti vključena v isto konsolidacijo kakor kreditna institucija;
the counterparty is subject to the same risk evaluation, measurement and control procedures as the credit institution;
za nasprotno stranko se uporabljajo isti postopki za ovrednotenje, merjenje in kontrolo tveganj kakor za kreditno institucijo;
the counterparty is established in the same Member State as the credit institution; and
nasprotna stranka ima sedež v isti državi članici kakor kreditna institucija; in
there is no current or foreseen material practical or legal impediment to the prompt transfer of own funds or repayment of liabilities from the counterparty to the credit institution.
ni trenutne ali predvidene vsebinske, dejanske ali pravne ovire za takojšnji prenos lastnih sredstev ali za odplačilo obveznosti nasprotne stranke kreditni instituciji.
In such a case, a risk weight of 0 % shall be assigned.
V takem primeru se uporabi utež tveganja 0 %.
With the exception of exposures giving rise to liabilities in the form of the items referred to in points (a) to (h) of Article 57, competent authorities may exempt from the requirements of paragraph 1 of this Article the exposures to counterparties which are members of the same institutional protection scheme as the lending credit institution, provided that the following conditions are met:
Z izjemo izpostavljenosti, ki predstavljajo obveznosti iz naslova postavk iz točk (a) do (h) člena 57, lahko pristojni organi izvzamejo iz zahtev odstavka 1 tega člena izpostavljenosti kreditne institucije do nasprotnih strank, ki so vključene v isto institucionalno jamstveno shemo kot posojilna kreditna institucija, če so izpolnjeni naslednji pogoji:
the requirements set out in points (a), (d) and (e) of paragraph 7;
zahteve iz točk (a), (d) in (e) odstavka 7;
the credit institution and the counterparty have entered into a contractual or statutory liability arrangement which protects those institutions and in particular ensures their liquidity and solvency to avoid bankruptcy in case it becomes necessary (referred to below as an institutional protection scheme);
kreditna institucija in nasprotna stranka sta vključeni v pogodbeno ali zakonsko določeno ureditev odgovornosti, ki jamči za te institucije, zlasti pa zagotavlja njihovo likvidnost in solventnost, z namenom, da prepreči stečaj, če se pokaže ta potreba (spodaj navedena kot institucionalna jamstvena shema);
the arrangements ensure that the institutional protection scheme will be able to grant support necessary under its commitment from funds readily available to it;
ureditev zagotavlja, da je institucionalna jamstvena shema zmožna v skladu s svojo obvezo odobriti potrebno podporo iz sredstev, ki jih ima takoj na voljo;
the institutional protection scheme disposes of suitable and uniformly stipulated systems for the monitoring and classification of risk (which gives a complete overview of the risk situations of all the individual members and the institutional protection scheme as a whole) with corresponding possibilities to take influence; those systems shall suitably monitor defaulted exposures in accordance with Annex VII, Part 4, point 44;
institucionalna jamstvena shema razpolaga s primernimi in enotno določenimi sistemi za nadzor in klasifikacijo tveganj (to omogoča popolni pregled nad tveganji posameznih članov in institucionalne jamstvene sheme kot celote) ter z ustreznimi možnostmi vplivanja; ti sistemi ustrezno nadzorujejo neplačane izpostavljenosti v skladu z odstavkom 44 dela 4 Priloge VII;
the institutional protection scheme conducts its own risk review which is communicated to the individual members;
institucionalna jamstvena shema izvaja lastno oceno tveganj, o kateri so posamezni člani obveščeni;
the institutional protection scheme draws up and publishes once in a year either, a consolidated report comprising the balance sheet, the profit-and-loss account, the situation report and the risk report, concerning the institutional protection scheme as a whole, or a report comprising the aggregated balance sheet, the aggregated profit‐and‐loss account, the situation report and the risk report, concerning the institutional protection scheme as a whole;
institucionalna jamstvena shema enkrat letno sestavi in objavi bodisi konsolidirano poročilo, ki obsega bilanco stanja, izkaz poslovnega izida ter poročilo o stanju in tveganjih institucionalne jamstvene sheme kot celote ali poročilo, ki obsega skupno bilanco stanja, skupen izkaz poslovnega izida ter poročilo o stanju in tveganjih institucionalne jamstvene sheme kot celote;
members of the institutional protection scheme are obliged to give advance notice of at least 24 months if they wish to end the arrangements;
člani institucionalne jamstvene sheme morajo svojo namero, da bodo izstopili iz sheme, podati najmanj 24 mesecev pred izstopom;
the multiple use of elements eligible for the calculation of own funds (‘multiple gearing’) as well as any inappropriate creation of own funds between the members of the institutional protection scheme shall be eliminated;
odpravi se večkratna uporaba elementov, ki so primerni za izračun lastnih sredstev („multiple gearing“), ter neustrezno ustvarjanje lastnih sredstev med člani institucionalne jamstvene sheme;
the institutional protection scheme shall be based on a broad membership of credit institutions of a predominantly homogeneous business profile; and
institucionalna jamstvena shema temelji na širokem izboru včlanjenih kreditnih institucij s pretežno homogenim poslovnim profilom; in
the adequacy of the systems referred to in point (d) is approved and monitored at regular intervals by the relevant competent authorities.
ustreznost sistemov iz točke (d) morajo zadevni pristojni organi redno potrjevati in nadzorovati.
An external credit assessment may be used to determine the risk weight of an exposure in accordance with Article 80 only if the ECAI which provides it has been recognised as eligible for those purposes by the competent authorities (‘an eligible ECAI’ for the purposes of this Subsection).
Za določanje uteži tveganja izpostavljenosti v skladu s členom 80 se lahko uporabi zunanja bonitetna ocena samo, če je ECAI, ki jo je izdelala, priznana kot primerna za navedene namene s strani pristojnih organov (za namene tega pododdelka „primerna ECAI“).
Competent authorities shall recognise an ECAI as eligible for the purposes of Article 80 only if they are satisfied that its assessment methodology complies with the requirements of objectivity, independence, ongoing review and transparency, and that the resulting credit assessments meet the requirements of credibility and transparency.
Pristojni organi priznajo ECAI kot primerno za namene člena 80 le, če se prepričajo, da njena metodologija za ocenjevanje izpolnjuje zahteve po objektivnosti, neodvisnosti, nenehnem preverjanju in preglednosti ter da bonitetne ocene, ki so rezultat metodologije, izpolnjujejo zahteve po verodostojnosti in preglednosti.
For those purposes, the competent authorities shall take into account the technical criteria set out in Annex VI, Part 2.
Za navedene namene pristojni organi upoštevajo tehnična merila iz dela 2 Priloge VI.
If an ECAI has been recognised as eligible by the competent authorities of a Member State, the competent authorities of other Member States may recognise that ECAI as eligible without carrying out their own evaluation process.
Če pristojni organi države članice priznajo ECAI kot primerno, lahko pristojni organi drugih držav članic priznajo navedeno ECAI kot primerno, ne da bi opravili lasten proces ovrednotenja.
Competent authorities shall make publicly available an explanation of the recognition process, and a list of eligible ECAIs.
Pristojni organi javno objavijo razlago procesa priznavanja in seznam primernih ECAI.
The competent authorities shall determine, taking into account the technical criteria set out in Annex VI, Part 2, with which of the credit quality steps set out in Part 1 of that Annex the relevant credit assessments of an eligible ECAI are to be associated.
Pristojni organi ob upoštevanju tehničnih meril iz dela 2 Priloge VI določijo, s katero stopnjo kreditne kvalitete iz dela 1 navedene priloge so povezane ustrezne bonitetne ocene primerne ECAI.
Those determinations shall be objective and consistent.
Navedene določitve so objektivne in dosledne.
When the competent authorities of a Member State have made a determination under paragraph 1, the competent authorities of other Member States may recognise that determination without carrying out their own determination process.
Če pristojni organi države članice sprejmejo določitev na podlagi odstavka 1, lahko pristojni organi drugih držav članic priznajo navedeno določitev brez lastnega procesa določanja.