natgillin/translations-raw huggingface dataset:
Risk weight
Utež tveganja
Exposures to the European Central Bank shall be assigned a 0 % risk weight.
Izpostavljenostim do Evropske centralne banke se dodeli utež tveganja 0 %.
Exposures in the national currency of the borrower
Izpostavljenosti v nacionalni valuti kreditojemalca
Exposures to Member States' central governments and central banks denominated and funded in the domestic currency of that central government and central bank shall be assigned a risk weight of 0 %.
Izpostavljenostim do enot centralne ravni držav in centralnih bank držav članic, denominiranim in financiranim v domači valuti centralne ravni države in centralne banke, se dodeli utež tveganja z vrednostjo 0 %.
When the competent authorities of a third country which apply supervisory and regulatory arrangements at least equivalent to those applied in the Community assign a risk weight which is lower than that indicated in point 1 to 2 to exposures to their central government and central bank denominated and funded in the domestic currency, Member States may allow their credit institutions to risk weight such exposures in the same manner.
Kadar pristojni organi tretje države, katere nadzorna in regulativna ureditev je vsaj enakovredna tisti, ki se uporablja v Skupnosti, dodelijo utež tveganja, ki je nižja od uteži, navedene v odstavkih 1 do 2, izpostavljenostim do enot centralne ravni svoje države in centralne banke, denominiranim in financiranim v domači valuti, lahko države članice dovolijo svojim kreditnim institucijam, da takim izpostavljenostim dodelijo uteži tveganja na enak način.
Use of credit assessments by Export Credit Agencies
Uporaba bonitetnih ocen kreditnih izvoznih agencij
Export Credit Agency credit assessments shall be recognised by the competent authorities if either of the following conditions is met:
Bonitetne ocene kreditne izvozne agencije priznajo pristojni organi, če je izpolnjen eden od naslednjih pogojev:
it is a consensus risk score from Export Credit Agencies participating in the OECD ‘Arrangement on Guidelines for Officially Supported Export Credits’; or
gre za soglasno oceno tveganja izvoznih kreditnih agencij, ki sodelujejo v „Dogovoru o smernicah za uradno podprte izvozne kredite“ OECD; ali
the Export Credit Agency publishes its credit assessments, and the Export Credit Agency subscribes to the OECD agreed methodology, and the credit assessment is associated with one of the eight minimum export insurance premiums (MEIP) that the OECD agreed methodology establishes.
izvozna kreditna agencija objavlja svoje bonitetne ocene in je zavezana k uporabi dogovorjene metodologije OECD, bonitetna ocena pa je povezana z eno od osmih minimalnih premij za zavarovanje izvoza (MEIP), ki jih določa dogovorjena metodologija OECD.
Exposures for which a credit assessment by an Export Credit Agency is recognised for risk weighting purposes shall be assigned a risk weight according to Table 2.
Izpostavljenostim, za katere je za namene tehtanja tveganosti priznana bonitetna ocena kreditne izvozne agencije, se dodeli utež tveganja v skladu s tabelo 2.
EXPOSURES TO REGIONAL GOVERNMENTS OR LOCAL AUTHORITIES
IZPOSTAVLJENOSTI DO ENOT REGIONALNE ALI LOKALNE RAVNI DRŽAV
Without prejudice to points 9 to 11, exposures to regional governments and local authorities shall be risk weighted as exposures to institutions.
Brez poseganja v odstavke 9 do 11 se izpostavljenostim do enot regionalne ali lokalne ravni držav dodeli utež tveganja na enak način kakor se izpostavljenostim do institucij.
This treatment is independent of the exercise of discretion as specified in Article 80(3).
Ta obravnava je neodvisna od diskrecijske pravice iz člena 80(3).
The preferential treatment for short-term exposures specified in points 31, 32 and 37 shall not be applied.
Prednostna obravnava za kratkoročne izpostavljenosti iz odstavkov 31, 32 in 37 se ne uporablja.
Exposures to regional governments and local authorities shall be treated as exposures to the central government in whose jurisdiction they are established where there is no difference in risk between such exposures because of the specific revenue-raising powers of the former, and the existence of specific institutional arrangements the effect of which is to reduce their risk of default.
Izpostavljenosti do enot regionalne in lokalne ravni države se lahko obravnavajo kot izpostavljenosti do enot centralne ravni države, pod jurisdikcijo katere so ustanovljene, če ni nikakršne razlike v tveganju med takimi izpostavljenostmi, zato ker imajo enote regionalne in lokalne ravni države moč pridobivanja prihodkov ter zaradi obstoja posebnih institucionalnih ureditev, ki zmanjšujejo tveganje neplačila.
Competent authorities shall draw up and make public the list of the regional governments and local authorities to be risk-weighted like central governments.
Pristojni organi pripravijo in objavijo seznam enot regionalne in lokalne ravni države, katerim se dodeli utež tveganja kot enotam centralne ravni države.
Exposures to churches and religious communities constituted in the form of a legal person under public law shall, in so far as they raise taxes in accordance with legislation conferring on them the right to do so, be treated as exposures to regional governments and local authorities, except that point 9 shall not apply.
Izpostavljenosti do cerkev in verskih skupnosti se obravnavajo kot izpostavljenosti do enot regionalne in lokalne ravni držav, če so cerkve in verske skupnosti ustanovljene v obliki pravnih oseb javnega prava in če pobirajo davke v skladu z zakonodajo, ki jim daje to pravico, pri tem je izvzet odstavek 9.
In this case for the purposes of Article 89(1)(a), permission to apply Title V, Chapter 2, Section 3, subsection 1 shall not be excluded.
V tem primeru se za namene člena 89(1)(a) ne izključi odobritve za uporabo pododdelka 1 oddelka 3 poglavja 2 naslova V.
When competent authorities of a third country jurisdiction which apply supervisory and regulatory arrangements at least equivalent to those applied in the Community treat exposures to regional governments and local authorities as exposures to their central government, Member States may allow their credit institutions to risk weight exposures to such regional governments and local authorities in the same manner.
Kadar pristojni organi pod jurisdikcijo tretje države, katere nadzorna in regulativna ureditev je vsaj enakovredna tisti, ki se uporablja v Skupnosti, obravnavajo izpostavljenosti do enot regionalne in lokalne ravni države kot izpostavljenosti do enot centralne ravni svoje države, lahko države članice svojim kreditnim institucijam dovolijo, da dodelijo izpostavljenostim do takih enot regionalne in lokalne ravni države uteži tveganja na enak način.
EXPOSURES TO ADMINISTRATIVE BODIES AND NON-COMMERCIAL UNDERTAKINGS
IZPOSTAVLJENOSTI DO UPRAVNIH ORGANOV IN NEKOMERCIALNIH PODJETIJ
Without prejudice to points 13 to 17, exposures to administrative bodies and non‐commercial undertakings shall be assigned a 100 % risk weight.
Brez poseganja v odstavke 13 do 17 se izpostavljenostim do upravnih organov in nekomercialnih podjetij dodeli utež tveganja 100 %.
Public Sector Entities
Osebe javnega sektorja
Without prejudice to points 14 to 17, exposures to public sector entities shall be assigned a 100 % risk weight.
Brez poseganja v odstavke 14 do 17 se izpostavljenostim do oseb javnega sektorja dodeli utež tveganja 100 %.
Subject to the discretion of competent authorities, exposures to public sector entities may be treated as exposures to institutions.
Ob upoštevanju diskrecijske pravice pristojnih organov se lahko izpostavljenosti do oseb javnega sektorja obravnavajo kot izpostavljenosti do institucij.
Exercise of this discretion by competent authorities is independent of the exercise of discretion as specified in Article 80(3).
Pristojni organi uveljavljajo to diskrecijsko pravico neodvisno od uveljavljanja diskrecijske pravice iz člena 80(3).
In exceptional circumstances, exposures to public-sector entities may be treated as exposures to the central government in whose jurisdiction they are established where in the opinion of the competent authorities there is no difference in risk between such exposures because of the existence of an appropriate guarantee by the central government.
V izjemnih primerih se lahko izpostavljenosti do oseb javnega sektorja obravnavajo kot izpostavljenosti do enot centralne ravni države, pod jurisdikcijo katere so ustanovljene, če je tveganje teh izpostavljenosti po mnenju pristojnih organov enako, zato ker dajo enote centralne ravni države ustrezno jamstvo.
When the discretion to treat exposures to public-sector entities as exposures to institutions or as exposures to the central government in whose jurisdiction they are established is exercised by the competent authorities of one Member State, the competent authorities of another Member State shall allow their credit institutions to risk-weight exposures to such public-sector entities in the same manner.
Če pristojni organi ene države članice uveljavljajo diskrecijsko pravico in tako obravnavajo izpostavljenosti do oseb javnega sektorja kot izpostavljenosti do institucij ali kot izpostavljenosti do enot centralne ravni države, pod jurisdikcijo katere so ustanovljene, lahko pristojni organi druge države članice dovolijo svojim kreditnim institucijam, da dodelijo uteži tveganja za izpostavljenosti do takih oseb javnega sektorja na enak način.
When competent authorities of a third country jurisdiction, which apply supervisory and regulatory arrangements at least equivalent to those applied in the Community, treat exposures to public sector entities as exposures to institutions, Member States may allow their credit institutions to risk weight exposures to such public sector entities in the same manner.
Kadar pristojni organi pod jurisdikcijo tretje države, katere nadzorna in regulativna ureditev je vsaj enakovredna tisti, ki se uporablja v Skupnosti, obravnavajo izpostavljenosti do oseb javnega sektorja kot izpostavljenosti do institucij, lahko države članice svojim kreditnim institucijam dovolijo, da dodelijo izpostavljenostim do takih oseb javnega sektorja uteži tveganja na enak način.
EXPOSURES TO MULTILATERAL DEVELOPMENT BANKS
IZPOSTAVLJENOSTI DO MULTILATERALNIH RAZVOJNIH BANK
For the purposes of Articles 78 to 83, the Inter-American Investment Corporation, the Black Sea Trade and Development Bank and the Central American Bank for Economic Integration are considered to be Multilateral Development Banks (MDB).
Za namene členov 78 do 83 se Medameriška investicijska korporacija, Črno-morska trgovinska in razvojna banka in Centralno-ameriška banka za gospodarsko integracijo obravnavajo kot multilateralne razvojne banke (MDB).
Without prejudice to points 20 and 21, exposures to multilateral development banks shall be treated in the same manner as exposures to institutions in accordance with points 29 to 32.
Brez poseganja v odstavka 20 in 21 se izpostavljenosti do multilateralnih razvojnih bank obravnavajo na enak način kot izpostavljenosti do institucij v skladu z odstavki 29 do 32.
The preferential treatment for short-term exposures as specified in points 31, 32 and 37 shall not apply.
Prednostna obravnava za kratkoročne izpostavljenosti iz odstavkov 31, 32 in 37 se ne uporablja.
Exposures to the following multilateral development banks shall be assigned a 0 % risk weight:
Izpostavljenostim do naslednjih multilateralnih razvojnih bank se dodeli utež tveganja 0 %:
the International Bank for Reconstruction and Development;
Mednarodna banka za obnovo in razvoj;
the International Finance Corporation;
Mednarodna finančna korporacija;
the Inter-American Development Bank;
Medameriška razvojna banka;
the Asian Development Bank;
Azijska razvojna banka;
the African Development Bank;
Afriška razvojna banka;
the Council of Europe Development Bank
Razvojna banka Sveta Evrope;
the Nordic Investment Bank;
Nordijska investicijska banka;
the Caribbean Development Bank;
Karibska razvojna banka;
the European Bank for Reconstruction and Development;
Evropska banka za obnovo in razvoj;
the European Investment Bank;
Evropska investicijska banka;
the European Investment Fund; and
Evropski investicijski sklad; in
the Multilateral Investment Guarantee Agency.
Multilateralna agencija za zavarovanje investicij.
A risk weight of 20 % shall be assigned to the portion of unpaid capital subscribed to the European Investment Fund.
Deležu neplačanega kapitala, vpisanega v Evropski investicijski sklad, se dodeli utež tveganja 20 %.
EXPOSURES TO INTERNATIONAL ORGANISATIONS
IZPOSTAVLJENOSTI DO MEDNARODNIH ORGANIZACIJ
Exposures to the following international organisations shall be assigned a 0 % risk weight:
Izpostavljenostim do naslednjih mednarodnih organizacij se dodeli utež tveganja 0 %:
the European Community;
Evropska skupnost;
the International Monetary Fund;
Mednarodni denarni sklad;
the Bank for International Settlements.
Banka za mednarodne poravnave.
EXPOSURES TO INSTITUTIONS
IZPOSTAVLJENOST DO INSTITUCIJ
One of the two methods described in points 26 to 27 and 29 to 32 shall apply in determining the risk weights for exposures to institutions.
Pri določanju uteži tveganja za izpostavljenosti do institucij se uporablja ena od dveh metod, opisanih v odstavkih 26 do 27 in 29 do 32.
Without prejudice to the other provisions of points 23 to 39, exposures to financial institutions authorised and supervised by the competent authorities responsible for the authorisation and supervision of credit institutions and subject to prudential requirements equivalent to those applied to credit institutions shall be risk‐weighted as exposures to institutions.
Brez poseganja v druge določbe odstavkov 23 do 39 se izpostavljenosti do finančnih institucij, ki imajo dovoljenje in ki jih nadzirajo pristojni organi za dovoljenje in nadzor kreditnih institucij in za katere veljajo enakovredne bonitetne zahteve kot za kreditne institucije, obravnavajo kot izpostavljenosti do institucij.
Risk-weight floor on exposures to unrated institutions
Spodnja meja uteži tveganja za izpostavljenosti do neocenjenih institucij
Exposures to an unrated institution shall not be assigned a risk weight lower than that applied to exposures to its central government.
Izpostavljenostim do neocenjene institucije se ne dodeli nižja utež tveganja od tiste, ki se uporablja za izpostavljenosti do enot centralne ravni njene države.
Central government risk weight based method
Metoda na osnovi uteži tveganja enot centralne ravni države
Exposures to institutions shall be assigned a risk weight according to the credit quality step to which exposures to the central government of the jurisdiction in which the institution is incorporated are assigned in accordance with Table 3.
Izpostavljenostim do institucij se dodelijo uteži tveganja v skladu s tabelo 3 glede na stopnjo kreditne kvalitete, ki se dodeli izpostavljenostim do enot centralne ravni države, pod jurisdikcijo katere je ustanovljena institucija.
Credit quality step to which central government is assigned
Stopnja kreditne kvalitete, dodeljena enotam centralne ravni države
Risk weight of exposure
Utež tveganja izpostavljenosti
For exposures to institutions incorporated in countries where the central government is unrated, the risk weight shall be not more than 100 %.
Utež tveganja za izpostavljenosti do institucij, ustanovljenih v državah, katerih enote centralne ravni države niso ocenjene, ne presega 100 %.
For exposures to institutions with an original effective maturity of three months or less, the risk weight shall be 20 %.
Za izpostavljenosti do institucij s trimesečnim ali krajšim prvotnim dejanskim rokom trajanja je utež tveganja 20 %.
Credit assessment based method
Metoda na osnovi bonitetne ocene
Exposures to institutions with an original effective maturity of more than three months for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 4 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.
Izpostavljenostim do institucij s prvotno dejansko zapadlostjo več kakor tri mesece, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu s tabelo 4, glede na šest stopenj na lestvici ocenjevanja kreditne kvalitete, ki jih dodelijo pristojni organi bonitetnim ocenam primernih ECAI.
Exposures to unrated institutions shall be assigned a risk weight of 50 %.
Izpostavljenostim do neocenjenih institucij se dodeli utež tveganja 50 %.
Exposures to an institution with an original effective maturity of three months or less for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 5 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:
Izpostavljenostim do institucij s prvotno dejansko zapadlostjo tri mesece ali manj, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu s tabelo 5, glede na šest stopenj na lestvici ocenjevanja kreditne kvalitete, ki jih dodelijo pristojni organi bonitetnim ocenam primernih ECAI.
Exposures to unrated institutions having an original effective maturity of three months or less shall be assigned a 20 % risk weight.
Izpostavljenostim do neocenjenih institucij s prvotno dejansko zapadlostjo tri mesece ali manj se dodeli utež tveganja 20 %.
Interaction with short-term credit assessments
Interakcija s kratkoročnimi bonitetnimi ocenami
If the method specified in points 29 to 32 is applied to exposures to institutions, then the interaction with specific short-term assessments shall be as follows.
Če se za izpostavljenosti do institucij uporabi metoda iz odstavkov 29 do 32, je interakcija s kratkoročnimi ocenami posameznih izpostavljenosti naslednja.
If there is no short-term exposure assessment, the general preferential treatment for short‐term exposures as specified in point 31 shall apply to all exposures to institutions of up to three months residual maturity.
Če ocene kratkoročne izpostavljenosti ni, se splošna prednostna obravnava za kratkoročne izpostavljenosti, kakor je navedeno v odstavku 31, uporablja za vse izpostavljenosti do institucij z rokom zapadlosti do tri mesece.
If there is a short-term assessment and such an assessment determines the application of a more favourable or identical risk weight than the use of the general preferential treatment for short-term exposures, as specified in point 31, then the short-term assessment shall be used for that specific exposure only.
Če obstaja kratkoročna ocena in če taka ocena določa uporabo ugodnejše ali popolnoma enake uteži tveganja kakor uporaba splošne prednostne obravnave kratkoročnih izpostavljenosti, kakor je navedeno v odstavku 31, potem se kratkoročna ocena uporablja samo za navedeno ocenjeno izpostavljenost.
Other short-term exposures shall follow the general preferential treatment for short-term exposures, as specified in point 31.
Za druge kratkoročne izpostavljenosti se uporablja splošna prednostna obravnava za kratkoročne izpostavljenosti, kakor je navedeno v odstavku 31.
If there is a short-term assessment and such an assessment determines a less favourable risk weight than the use of the general preferential treatment for short-term exposures, as specified in point 31, then the general preferential treatment for short-term exposures shall not be used and all unrated short-term claims shall be assigned the same risk weight as that applied by the specific short-term assessment.
Če obstaja kratkoročna ocena in če taka ocena določa uporabo manj ugodne uteži tveganja kakor uporaba splošne prednostne obravnave kratkoročnih izpostavljenosti, kakor je navedeno v odstavku 31, potem se splošna prednostna obravnava kratkoročnih izpostavljenosti ne uporablja in se vsem neocenjenim kratkoročnim terjatvam dodeli enaka ocena tveganja kakor se uporablja v skladu z obstoječo kratkoročno oceno.
Short-term exposures in the national currency of the borrower
Kratkoročne izpostavljenosti v nacionalni valuti kreditojemalca
Exposures to institutions of a residual maturity of 3 months or less denominated and funded in the national currency may, subject to the discretion of the competent authority, be assigned, under both methods described in points 26 to 27 and 29 to 32, a risk weight that is one category less favourable than the preferential risk weight, as described in points 4 and 5, assigned to exposures to its central government.
Izpostavljenostim do institucij s preostalo zapadlostjo 3 mesece ali manj, denominiranim in financiranim v nacionalni valuti, lahko pristojni organ v primeru obeh metod, opisanih v odstavkih 26 do 27 in 29 do 32, dodeli utež tveganja, ki je eno kategorijo manj ugodna od prednostne uteži tveganja, kakor je opisano v odstavkih 4 in 5 in ki je dodeljena izpostavljenostim do enot centralne ravni države.
No exposures of a residual maturity of 3 months or less denominated and funded in the national currency of the borrower shall be assigned a risk weight less than 20 %.
Izpostavljenostim z rokom zapadlosti 3 mesece ali manj, denominiranim in financiranim v nacionalni valuti kreditojemalca, se v nobenem primeru ne dodeli utež tveganja manj kakor 20 %.
Investments in regulatory capital instruments
Naložbe v instrumente regulatornega kapitala
Investments in equity or regulatory capital instruments issued by institutions shall be risk weighted at 100 %, unless deducted from the own funds.
Naložbam v instrumente lastniškega ali regulatornega kapitala, ki jih izdajo institucije, se dodeli utež tveganja 100 %, razen če se ne odštejejo od lastnih sredstev.
Minimum reserves required by the ECB
Obvezne rezerve, ki se vzdržujejo v skladu z zahtevami ECB
Where an exposure to an institution is in the form of minimum reserves required by the ECB or by the central bank of a Member State to be held by the credit institution, Member States may permit the assignment of the risk weight that would be assigned to exposures to the central bank of the Member State in question provided:
Če obstaja izpostavljenost do institucije v obliki obveznih rezerv, ki jih vzdržuje kreditna institucija zaradi zahtev ECB ali centralne banke države članice, lahko države članice dovolijo uporabo uteži tveganja, ki velja za izpostavljenosti do centralne banke zadevne države članice, če
the reserves are held in accordance with Regulation (EC) No 1745/2003 of the European Central Bank of 12 September 2003 on the application of minimum reserves or a subsequent replacement regulation or in accordance with national requirements in all material respects equivalent to that Regulation; and
se rezerve vzdržujejo v skladu z Uredbo (ES) št. 1745/2003 Evropske centralne banke z dne 12. septembra 2003 o uporabi obveznih rezerv ali z uredbo, ki je pozneje nadomestila to uredbo, ali v skladu z nacionalnimi zahtevami, ki so tej uredbi v vseh vsebinskih vidikih enakovredne; in
in the event of the bankruptcy or insolvency of the institution where the reserves are held, the reserves are fully repaid to the credit institution in a timely manner and are not made available to meet other liabilities of the institution.
se rezerve v primeru stečaja ali nesolventnosti institucije, pri kateri se vzdržujejo rezerve, pravočasno in v celoti povrnejo kreditni instituciji in niso na razpolago za pokritje drugih obveznosti institucije.
EXPOSURES TO CORPORATES
IZPOSTAVLJENOSTI DO PODJETIJ
Exposures for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 6 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.
Izpostavljenostim, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu s tabelo 6, glede na šest stopenj na lestvici ocenjevanja kreditne kvalitete, ki jih dodelijo pristojni organi bonitetnim ocenam primernih ECAI.