natgillin/translations-raw huggingface dataset:
Maturity at issue (original maturity) refers to the fixed period of life of a financial instrument before which it cannot be redeemed (e.g. debt securities) or before which it can be redeemed only with some kind of penalty (e.g. some types of deposits).
Zapadlost ob izdaji (prvotna zapadlost) se nanaša na določeno življenjsko dobo finančnega instrumenta, pred potekom katere ga ni mogoče odkupiti (npr. dolžniški vrednostni papirji) ali pred koncem katere se ga lahko izplača samo ob plačilu določene kazni (npr. pri nekaterih vrstah vlog).
The period of notice corresponds to the time between the moment the holder gives notice of an intention to redeem the instrument and the date on which the holder is allowed to convert it into cash without incurring a penalty.
Rok odpoklica ustreza obdobju med trenutkom, ko imetnik odda obvestilo o nameri, da bo dvignil instrument, in datumom, na katerega je imetniku dopuščeno brez kazni spremeniti ta instrument v gotovino.
Financial instruments are classified according to the period of notice only when there is no agreed maturity.
Finančni instrumenti so razvrščeni glede na odpovedni rok samo, če ni dogovorjena.
The following tables provide a detailed standard description of the instrument categories, which NCBs transpose into categories applicable at the national level in accordance with this Regulation [4].
Naslednje tabele vsebujejo podroben standardni opis kategorij instrumentov, ki jih NCB pretvorijo v kategorije, ki se v skladu s to uredbo [4] uporabljajo na nacionalni ravni.
Detailed description of instrument categories of the monthly aggregated balance sheet
Podroben opis kategorij instrumentov mesečne agregatne bilance stanja
ASSET CATEGORIES
KATEGORIJE SREDSTEV
Description of main features
Opis glavnih značilnosti
Holdings of euro and foreign banknotes and coins in circulation that are commonly used to make payments
Imetja euro- in tujih bankovcev in kovancev v obtoku, ki so v splošni rabi za izvrševanje plačil
For the purposes of the reporting scheme, this consists of funds lent by reporting agents to borrowers, which are not evidenced by documents or are represented by a single document (even if it has become negotiable).
Za namene sistema poročanja ta kategorija vsebuje sredstva, ki jih poročevalske enote posojajo posojilojemalcem in ki niso evidentirana v dokumentih ali so predstavljena z enim samim dokumentom (tudi če je ta postal tržen).
It includes assets in the form of deposits
Ta kategorija vključuje sredstva v obliki vlog
deposits placed with MFIs
vloge pri MFI
bad debt loans that have not yet been repaid or written off
slaba posojila, ki še niso bila vrnjena ali odpisana
Bad debt loans are considered to be loans in respect of which repayment is overdue or otherwise identified as being impaired.
Za slaba posojila se štejejo posojila, katerih vračilo je zapadlo ali je kako drugače moteno.
NCBs define whether bad loans are to be recorded gross or net of provisions
NCB določijo, ali je treba slaba posojila evidentirati v neto znesku ali bruto z rezervacijami.
holdings of non-negotiable securities
imetja netržnih vrednostnih papirjev
Holdings of securities other than shares and other equity which are not negotiable and cannot be traded on secondary markets, see also ‘traded loans’
Imetja vrednostnih papirjev razen delnic in drugega lastniškega kapitala, ki niso tržni ter z njimi ni mogoče trgovati na sekundarnih trgih; glej tudi „posojila, s katerimi se trguje“
traded loans
posojila, s katerimi se trguje
Loans that have de facto become negotiable are to be classified under the asset item ‘loans’ provided that they continue to be evidenced by a single document and are, as a general rule, only traded occasionally
Posojila, ki so dejansko postala tržna, je treba razvrstiti v postavko sredstev „posojila“ pod pogojem, da so še naprej evidentirana z enim samim dokumentom in se z njimi praviloma trguje samo priložnostno
subordinated debt in the form of deposits or loans
podrejeni dolg v obliki vlog ali posojil
Subordinated debt instruments provide a subsidiary claim on the issuing institution that can only be exercised after all claims with a higher status (e.g. deposits/loans) have been satisfied, giving them some of the characteristics of ‘shares and other equity’.
Instrumenti podrejenega dolga predstavljajo pomožno terjatev do institucije izdajateljice, ki se lahko uveljavi le po tem, ko so vse terjatve z višjim statusom (npr. vloge/posojila) poravnane, kar jim daje nekatere lastnosti „delnic in drugih lastniških instrumentov“.
For statistical purposes, subordinated debt is to be treated according to the nature of the financial instrument, i.e. classified as either ‘loans’ or ‘securities other than shares’.
Za statistične namene se podrejeni dolg obravnava glede na naravo finančnega instrumenta, tj. se razvrsti bodisi med „posojila“ ali „vrednostne papirje razen delnic“.
Where POGI holdings of all forms of subordinated debt are currently identified as a single figure for statistical purposes, this figure is to be classified under the item ‘securities other than shares’, on the grounds that subordinated debt is predominately constituted in the form of securities, rather than as loans
Če so vse oblike podrejenega dolga, ki jih imajo poštne žiro institucije, trenutno izkazane za statistične namene z enim samim zneskom, je treba ta znesek razvrstiti v postavko „vrednostni papirji razen delnic“, ker je podrejeni dolg sestavljen pretežno iz vrednostnih papirjev in ne kot posojila
claims under reverse repos
terjatve na podlagi začasnega nakupa
Counterpart of cash paid out in exchange for securities purchased by reporting agents
Protipostavka gotovine, izplačane v zameno za vrednostne papirje, ki so jih kupile poročevalske enote
The following item is not treated as a loan:
Naslednja postavka se ne obravnava kot posojilo:
loans granted on a trust basis
posojila, ki se odobrijo na podlagi zaupanja
Loans granted on a trust basis (‘trust loans’/‘fiduciary loans’) are loans made in the name of one party (‘the trustee’) on behalf of a third party (‘the beneficiary’).
Posojila, ki se odobrijo na podlagi zaupanja („skrbniška posojila“/„fiduciarna posojila“) so posojila, ki jih najame ena o („skrbnik“) v imenu tretje osebey („upravičenec“).
For statistical purposes, trust loans are not to be recorded on the balance sheet of the trustee where the risks and rewards of ownership of the funds remain with the beneficiary.
Skrbniška posojila se za statistične namene ne evidentirajo v bilanci stanja skrbnikov, kadar tveganje in koristi iz naslova lastništva sredstev ostanejo upravičencu.
The risks and rewards of ownership remain with the beneficiary where: (i) the beneficiary assumes the credit risk of the loan (i.e. the trustee is responsible only for the administrative management of the loan); or (ii) the beneficiary’s investment is guaranteed against loss, should the trustee go into liquidation (i.e. the trust loan is not part of the assets of the trustee that can be distributed in the event of bankruptcy)
Tveganja in koristi iz naslova lastništva ostanejo upravičencu, kadar: (i) upravičenec prevzame kreditno tveganje za posojilo (tj. skrbnik je odgovoren samo za upravno vodenje posojila); ali (ii) je koristnikova naložba zavarovana pred izgubo, če gre skrbnik v likvidacijo (tj. skrbniško posojilo ni del sredstev skrbnika, ki se lahko porazdelijo v primeru stečaja)
Holdings of securities other than shares or other equity, which are negotiable and usually traded on secondary markets or can be offset on the market, and which do not grant the holder any ownership rights over the issuing institution.
Imetja vrednostnih papirjev razen delnic ali drugega lastniškega kapitala, ki so tržni in se z njimi običajno trguje na sekundarnih trgih ali jih je mogoče pobotati na trgu in ki ne dajejo imetniku lastniških pravic nad institucijo izdajateljico.
This item includes:
Ta postavka vključuje:
holdings of securities which give the holder the unconditional right to a fixed or contractually determined income in the form of coupon payments and/or a stated fixed sum at a specific date (or dates) or starting from a date defined at the time of issue
imetja vrednostnih papirjev, ki imetniku dajejo brezpogojno pravico do fiksnega ali pogodbeno določenega dohodka v obliki izplačila kuponskih plačil in/ali potrjene fiksne vsote na določen datum (ali datume) ali z začetkom na datum, ki se določi ob izdaji
negotiable loans that have been restructured into a large number of identical documents and that can be traded on secondary markets (see also ‘traded loans’ in category 2)
tržna posojila, ki so prestrukturirana v veliko število enakih dokumentov in s katerimi je mogoče trgovati na sekundarnih trgih (glej tudi „posojila, s katerimi se trguje“ v kategoriji 2).
subordinated debt in the form of debt securities (see also ‘subordinated debt in the form of deposits or loans’ in category 2)
podrejeni dolg v obliki dolžniških vrednostnih papirjev (glej tudi „podrejeni dolg v obliki vlog ali posojil“ v kategoriji 2).
in order to maintain consistency with the treatment of repo-type operations, securities lent out under securities lending operations remain on the original owner’s balance sheet (and are not to be transferred to the balance sheet of the temporary acquirer) where there is a firm commitment to reverse the operation (and not simply an option to do so)
zaradi ohranitve skladnosti z obravnavo poslov začasne prodaje/nakupa ostanejo vrednostni papirji, ki so posojeni v poslih posojanja vrednostnih papirjev, v bilanci stanja prvotnega lastnika (in jih ni treba prenašati v bilanco stanja začasnega pridobitelja), kadar obstaja trdna zaveza, da se izvede povratni posel (in ne le opcija za to)
Securities other than shares of up to and including one year’s original maturity
Vrednostni papirji razen delnic s prvotno zapadlostjo do vključno enega leta
Holdings of negotiable debt securities (evidenced or not by documents) of original maturity of up to and including one year
Imetja tržnih dolžniških vrednostnih papirjev (evidentiranih v dokumentih ali ne) po prvotni zapadlosti do vključno enega leta
Negotiable loans of original maturity of up to and including one year that are restructured into a large number of identical documents and that are traded on secondary markets
Tržna posojila s prvotno zapadlostjo do vključno enega leta, ki so prestrukturirana v veliko število enakih dokumentov in s katerimi se trguje na sekundarnih trgih
Subordinated debt in the form of debt securities of original maturity of up to and including one year
Podrejeni dolg v obliki dolžniških vrednostnih papirjev s prvotno zapadlostjo do vključno enega leta
Securities other than shares of over one year and up to and including two years’ original maturity
Vrednostni papirji razen delnic s prvotno zapadlostjo nad enim letom in do vključno dveh let
Holdings of negotiable debt securities (evidenced or not by documents) of over one year and up to and including two years’ original maturity
Imetja tržnih dolžniških vrednostnih papirjev (evidentiranih v dokumentih ali ne) s prvotno zapadlostjo nad enim letom in do vključno dveh let
Negotiable loans of over one year and up to and including two years’ original maturity that are restructured into a large number of identical documents and that are traded on secondary markets
Tržna posojila s prvotno zapadlostjo nad enim letom in do vključno dveh let, ki so prestrukturirana v veliko število enakih dokumentov in s katerimi se trguje na sekundarnih trgih
Subordinated debt in the form of debt securities of over one year and up to and including two years’ original maturity
Podrejeni dolg v obliki dolžniških vrednostnih papirjev s prvotno zapadlostjo nad enim letom in do vključno dveh let
Money market fund shares/units
Delnice/enote skladov denarnega trga
This asset item includes holdings of shares/units issued by MMFs.
Ta postavka sredstev vključuje imetja delnic/enot, ki jih izdajo skladi denarnega trga (SDT).
MMFs are collective investment undertakings the shares/units of which are, in terms of liquidity, close substitutes for deposits, and which primarily invest in money market instruments and/or in MMF shares/units and/or in other transferable debt instruments with a residual maturity of up to and including one year, and/or in bank deposits, and/or which pursue a rate of return that approaches the interest rates of money market instruments
SDT so kolektivni naložbeni podjemi, katerih delnice/enote so glede na likvidnost bližnji substituti za vloge in ki investirajo predvsem v instrumente denarnega trga in/ali v delnice/enote SDT in/ali v druge prenosljive dolžniške instrumente s preostalo zapadlostjo do vključno enega leta in/ali v bančne vloge in/ali ki si prizadevajo za stopnjo donosa, ki se približuje obrestnim meram instrumentov denarnega trga
LIABILITY CATEGORIES
KATEGORIJE OBVEZNOSTI
Amounts owed to creditors by reporting agents, other than those arising from the issue of negotiable securities.
Zneski, ki jih poročevalske enote dolgujejo upnikom, razen tistih, ki izhajajo iz izdaje tržnih vrednostnih papirjev.
For the purposes of the reporting scheme, this category is broken down into overnight deposits, deposits with agreed maturity, deposits redeemable at notice and repurchase agreements
Za namene sistema poročanja je ta kategorija razčlenjena na vloge čez noč, vezane vloge, vloge na odpoklic in pogodbe o začasni prodaji
‘Deposits’ also cover ‘loans’ as liabilities of MFIs.
„Vloge“ zajemajo tudi „posojila“ kot obveznosti MFI.
In conceptual terms, loans represent amounts received by POGIs that are not structured in the form of ‘deposits’.
Pojem posojil predstavlja zneske, ki jih prejmejo poštne žiro institucije in nimajo oblike „vlog“.
The ESA 95 distinguishes between ‘loans’ and ‘deposits’ on the basis of the party that takes the initiative (if this is the borrower, then it constitutes a loan, but if this is the lender, then it constitutes a deposit), although in practice the relevance of this distinction will vary according to the national financial structure.
ESR 95 razlikuje med „posojili“ in „vlogami“ glede na osebo, ki prevzame pobudo (če je to posojilojemalec, potem je posojilo, če pa posojilodajalec, je to vloga), čeprav v praksi pomembnost te razlike niha glede na nacionalno finančno strukturo.
Within the reporting scheme, ‘loans’ are not recognised as a separate category on the liabilities side of the balance sheet.
V sistemu poročanja „posojila“ ne predstavljajo ločene kategorije na strani obveznosti bilance stanja.
Instead, balances that are considered as ‘loans’ are to be classified indistinguishably under the item ‘deposit liabilities’, unless they are represented by negotiable instruments.
Namesto tega je treba stanja obveznosti, ki se štejejo za „posojila“ razvrstiti brez razlikovanja v postavko „obveznosti iz naslova vlog“, razen če jih predstavljajo tržni instrumenti.
This is in line with the definition of ‘deposit liabilities’ above
To je v skladu z opredelitvijo „obveznosti iz naslova vlog“ zgoraj
Non-negotiable debt instruments issued by reporting agents are generally to be classified as ‘deposit liabilities’.
Netržni dolžniški instrumenti, ki jih izdajo poročevalske enote, se v splošnem razvrstijo kot „obveznosti iz naslova vlog“.
Instruments may be referred to as being ‘non-negotiable’ in the sense that there are restrictions on the transfer of legal ownership of the instrument that means that they cannot be marketed or, although technically negotiable, they cannot be traded owing to the absence of an organised market.
Instrumenti so lahko „netržni“ zaradi omejitev prenosa pravnega lastništva nad instrumentom, kar pomeni, da z njimi ni mogoče trgovati, ali, čeprav so formalno tržni, z njimi ni mogoče trgovati, ker ni organiziranega trga.
Non-negotiable instruments issued by reporting agents that subsequently become negotiable and that can be traded on secondary markets should be reclassified as ‘debt securities’
Netržne vrednostne papirje, ki jih izdajo poročevalske enote in ki potem postanejo tržni ter se z njimi lahko trguje na sekundarnih trgih, je treba prerazvrstiti med „dolžniške vrednostne papirje“
Margin deposits (margins) made under derivative contracts should be classified as ‘deposit liabilities’, where they represent cash collateral deposited with POGIs and where they remain in the ownership of the depositor and are repayable to the depositor when the contract is closed out.
Vloge za kritja (kritja), ki se vplačajo v okviru pogodb za izvedene finančne instrumente, je treba razvrstiti kot „obveznosti iz naslova vlog“, predstavljajo gotovinsko zavarovanje, deponirano pri poštnih žiro institucijah, ter kadar ostanejo last deponenta in se mu vrnejo po poteku pogodbe.
On the basis of current market practice, it is also suggested that margins received by the reporting agent should only be classified as ‘deposit liabilities’ to the extent that the POGI is provided with funds that are freely available for on-lending.
Na podlagi trenutne tržne prakse se tudi predlaga, da bi bilo treba kritja, ki jih prejmejo poročevalske enote, razvrstiti med „obveznosti iz naslova vlog“ le, kolikor se poštni žiro instituciji zagotovi sredstva, ki so prosto razpoložljiva za nadaljnje kreditiranje.
Where a part of the margin received by the POGI has to be passed to another derivatives market participant (e.g. the clearing house), only that part which remains at the disposal of the POGI should in principle be classified as ‘deposit liabilities’.
Kadar mora biti del kritij, ki jih prejme poštna žiro institucija, oddan drugemu udeležencu na trgu z izvedenimi finančnimi instrumenti (npr. klirinški hiši), je treba samo tisti del, ki ostane na voljo poštni žiro instituciji, načeloma razvrstiti kot „obveznosti iz naslova vlog“.
The complexities of current market practice may make it difficult to identify those margins that are truly repayable, because different types of margin are placed indistinguishably within the same account, or those margins that provide the POGI with resources for on-lending.
Zapletenost trenutne tržne prakse lahko oteži izkazovanje tistih kritij, ki so resnično vračljiva, ker so različne vrste kritij brez razlikovanja položene na isti račun, ali pa tistih kritij, ki poštni žiro instituciji zagotovijo vire za nadaljnje kreditiranje.
In these cases, it is acceptable to classify these margins under ‘remaining liabilities’ or as ‘deposit liabilities’, according to national practice
V teh primerih je sprejemljiva razvrstitev teh kritij pod „ostala pasiva“ ali kot „obveznosti iz naslova vlog“, glede na nacionalno prakso
‘Earmarked balances related to e.g. leasing contracts’ are classified as deposit liabilities under ‘deposits with agreed maturity’ or ‘deposits redeemable at notice’ depending on the maturity/provisions of the underlying contract
„Namenska stanja obveznosti v zvezi z, npr. pogodbami o leasingu“, se razvrstijo kot obveznosti iz naslova vlog pod „vezane vloge“ ali „vloge na odpoklic“ glede na zapadlost/določbe osnovne pogodbe
Funds (deposits) received on a trust basis are not to be recorded on the POGI statistical balance sheet (see ‘Loans granted on a trust basis’ under category 2)
Sredstva (vloge), prejeta na podlagi zaupanja se ne evidentirajo v statistični bilanci stanja poštne žiro institucije (glej tudi „Posojila, ki se odobrijo na osnovi zaupanja“ pod kategorijo 2)
Overnight deposits
Vloge čez noč
Deposits which are convertible into currency and/or which are transferable on demand by cheque, banker’s order, debit entry or similar means, without significant delay, restriction or penalty.
Vloge, ki so zamenljive v gotovino in/ali ki so na zahtevo prenosljive s čekom, plačilnim nalogom banki, debetno vknjižbo ali podobnim sredstvom brez znatnega odloga, omejitve ali kazni.
Balances representing prepaid amounts in the context of electronic money, either in the form of ‘hardware based’ e-money (e.g. prepaid cards) or ‘software based’ e-money, issued by POGIs are included under this item.
Pod to postavko so vključena stanja obveznosti, ki predstavljajo predplačane zneske v zvezi z elektronskim denarjem bodisi v obliki elektronskega denarja „na osnovi strojne opreme“ (npr. predplačilne kartice) bodisi elektronskega denarja „(na osnovi programske opreme“ ki ga izdajo poštne žiro institucije.
This item excludes non-transferable deposits which are technically withdrawable on demand but which are subject to significant penalties
Ta postavka izključuje neprenosljive vloge, ki se formalno lahko na zahtevo dvignejo, za katere pa veljajo znatne kazni
balances (interest-bearing or not) which are transferable by cheque, banker’s order, debit entry or the like, without any significant penalty or restriction
stanja obveznosti (obrestonosna ali ne), ki so prenosljiva s čekom, plačilnim nalogom banki, debetno vknjižbo ali čim podobnim brez znatne kazni ali omejitve
balances (interest-bearing or not) which are immediately convertible into currency on demand or by close of business on the day following that on which the deposit was made, without any significant penalty or restriction, but which are not transferable
stanja obveznosti (obrestonosna ali ne), ki so na zahtevo zamenljiva v gotovino takoj ali do konca poslovanja naslednjega dne po vplačilu vloge, brez znatne kazni ali omejitve, ki pa niso prenosljiva
balances (interest-bearing or not) representing prepaid amounts in the context of ‘hardware-based’ (e.g. prepaid cards) or ‘software-based’ e-money
stanja obveznosti (obrestonosna ali ne), ki predstavljajo predplačane zneske v zvezi z elektronskim denarjem „na podlagi strojne opreme“ (npr. predplačilne kartice) ali „na podlagi programske opreme“
loans to be repaid by close of business on the day following that on which the loan was granted
posojila, ki jih je treba vrniti do konca poslovanja naslednjega dne po odobritvi posojila
Deposits with agreed maturity
Vezane vloge
Non-transferable deposits which cannot be converted into currency before an agreed fixed term or that can only be converted into currency before that agreed term provided that the holder is charged some kind of penalty.
Neprenosljive vloge, ki jih ni mogoče zamenjati v gotovino pred dogovorjenim fiksnim rokom ali jih je mogoče zamenjati v gotovino pred tem dogovorjenim rokom pod pogojem, da se imetniku zaračuna določena kazen.
This item also includes administratively regulated savings deposits where the maturity related criterion is not relevant (classified in the maturity band ‘over two years’).
Ta postavka vključuje tudi upravno urejene hranilne vloge, kadar merilo zapadlosti ni pomembno (razvrstijo se v razred zapadlosti „nad dvema letoma“).
Financial products with roll-over provisions must be classified according to the earliest maturity.
Finančni produkti z obnovitveno klavzulo se morajo razvrstiti glede na najzgodnejšo zapadlost.
Although deposits with agreed maturity may feature the possibility of earlier redemption after prior notification, or may be redeemable on demand subject to certain penalties, these features are not considered to be relevant for classification purposes
Čeprav vezane vloge lahko kažejo značilnost možnega zgodnejšega dviga po predhodnem odpoklicu ali pa jih je mogoče na zahtevo dvigniti ob določeni kazni, se te značilnosti ne štejejo za pomembne za namene razvrstitve
Deposits of up to and including one year’s agreed maturity
Vezane vloge do vključno enega leta
Balances placed with a fixed term to maturity of no more than one year (excluding deposits with an original maturity of one day) that are non-transferable and cannot be converted into currency before that maturity
Stanja obveznosti s fiksnim rokom zapadlosti do največ enega leta (razen vloge s prvotno zapadlostjo enega dneva), ki niso prenosljiva in se do zapadlosti ne morejo zamenjati v gotovino
Balances placed with a fixed term to maturity of no more than one year that are non-transferable but can be redeemed before that term after prior notification; where notification has been given, these balances should be classified in 9.3a
Stanja obveznosti s fiksnim rokom zapadlosti do največ enega leta, ki so neprenosljiva, jih je pa mogoče dvigniti pred tem rokom po predhodnem odpoklicu; kadar je odpoklic že oddan, je treba te zneske razvrstiti v 9.3a