natgillin/translations-raw huggingface dataset:
The margin between the amount of the exposure and the value of the receivables must reflect all appropriate factors, including the cost of collection, concentration within the receivables pool pledged by an individual borrower, and potential concentration risk within the credit institution's total exposures beyond that controlled by the credit institution's general methodology.
razlika med zneskom izpostavljenosti in vrednostjo denarnih terjatev mora odražati vse ustrezne dejavnike, vključno s stroški unovčenja, koncentracijo znotraj skupine denarnih terjatev, ki jih je v zavarovanje dal posamezen kreditojemalec, in potencialno tveganje koncentracije znotraj celotne izpostavljenosti kreditne institucije, ki ni zajeto s splošno metodologijo kreditne institucije.
The credit institution must maintain a continuous monitoring process appropriate to the receivables.
Kreditna institucija mora ohranjati neprekinjen proces spremljanja, ki ustreza denarnim terjatvam.
Additionally, compliance with loan covenants, environmental restrictions, and other legal requirements shall be reviewed on a regular basis;
Poleg tega je treba redno pregledovati skladnost s posojilnimi klavzulami, okoljskimi omejitvami in drugimi predpisi;
The receivables pledged by a borrower shall be diversified and not be unduly correlated with the borrower.
denarne terjatve, ki jih da v zavarovanje kreditojemalec, so razpršene in niso v prekomerni korelaciji s kreditojemalcem.
Where there is material positive correlation, the attendant risks shall be taken into account in the setting of margins for the collateral pool as a whole;
Če obstaja bistvena pozitivna korelacija, so spremljajoča tveganja ustrezno upoštevana pri določanju presežkov celotnega fonda v zavarovanje danih denarnih terjatev nad izpostavljenostjo;
Receivables from affiliates of the borrower (including subsidiaries and employees) shall not be recognised as risk mitigants; and
denarne terjatve do pravnih ali fizičnih oseb, povezanih s kreditojemalcem (vključno s podrejenimi družbami in zaposlenimi) se ne priznajo kot instrument zavarovanja; in
The credit institution shall have a documented process for collecting receivable payments in distressed situations.
kreditna institucija ima dokumentiran proces za izterjavo plačil po denarnih terjatvah v primerih, ko kreditojemalci zamujajo s plačili ali postanejo neplačniki.
The requisite facilities for collection shall be in place, even when the credit institution normally looks to the borrower for collections.
Vzpostavljeni so potrebni mehanizmi za izterjavo, tudi če kreditna institucija pričakuje, da bo kreditojemalec sam izterjal zastavljene denarne terjatve.
Minimum requirements for the recognition of other physical collateral
Minimalne zahteve za priznanje zavarovanja s premičninami
For the recognition of other physical collateral the following conditions shall be met:(a) the collateral arrangement shall be legally effective and enforceable in all relevant jurisdictions and shall enable the credit institution to realise the value of the property within a reasonable timeframe;
Za priznanje zavarovanja s premičninami morajo biti izpolnjeni naslednji pogoji:(a) dogovor o zavarovanju s premoženjem je pravno učinkovit in izvršljiv v vseh relevantnih pravnih redih in omogoča kreditni instituciji unovčenje vrednosti nepremičnine v razumnem času;
with the sole exception of permissible prior claims referred to in point 9(a)(ii), only first liens on, or charges over, collateral are permissible.
z izključno izjemo dovoljenih privilegiranih terjatev iz odstavka 9(a)(ii), so dovoljene samo tiste pravice na predmetih zavarovanja, ki imajo najboljši vrstni red.
As such, the credit institution shall have priority over all other lenders to the realised proceeds of the collateral;
Kreditna institucija ima kot taka prednost do prihodkov iz unovčitve zavarovanja pred vsemu drugimi posojilodajalci;
the value of the property shall be monitored on a frequent basis and at a minimum once every year.
vrednost nepremičnine se spremlja redno in vsaj enkrat na leto.
More frequent monitoring shall be required where the market is subject to significant changes in conditions;
Pogostejše spremljanje se zahteva, če se razmere na trgu zelo spreminjajo;
the loan agreement shall include detailed descriptions of the collateral plus detailed specifications of the manner and frequency of revaluation;
posojilna pogodba vključuje natančen opis zavarovanja in natančno specifikacijo načina in pogostosti prevrednotenja;
the types of physical collateral accepted by the credit institution and policies and practices in respect of the appropriate amount of each type of collateral relative to the exposure amount shall be clearly documented in internal credit policies and procedures available for examination;
vrste zavarovanja s premičninami, ki jih sprejema kreditna institucija, ter politike in prakse za ustrezen obseg vsake vrste zavarovanja glede na znesek izpostavljenosti, se jasno dokumentirajo v notranjih kreditnih politikah in postopkih, ki so na razpolago za preverjanje;
the credit institution's credit policies with regard to the transaction structure shall address appropriate collateral requirements relative to the exposure amount, the ability to liquidate the collateral readily, the ability to establish objectively a price or market value, the frequency with which the value can readily be obtained (including a professional appraisal or valuation), and the volatility or a proxy of the volatility of the value of the collateral;
kreditne politike kreditne institucije v zvezi s strukturo poslov obravnavajo zahteve glede zavarovanja, ki ustrezajo znesku izpostavljenosti, zmožnosti hitrega unovčenja zavarovanja, zmožnosti objektivnega določanja cene ali tržne vrednosti, pogostosti, s katero je mogoče hitro pridobiti oceno vrednosti (vključno s strokovno oceno ali vrednotenjem), in nestanovitnosti ali približku nestanovitnosti vrednosti zavarovanja s premoženjem;
both initial valuation and revaluation shall take fully into account any deterioration or obsolescence of the collateral.
tako začetno vrednotenje kot tudi prevrednotenje v celoti upoštevata vsa morebitna poslabšanja ali zastarelost zavarovanja.
Particular attention must be paid in valuation and revaluation to the effects of the passage of time on fashion- or date-sensitive collateral;
Posebno pozornost je treba pri vrednotenju in prevrednotenju namenjati učinkom minevanja časa na zavarovanja, ki so občutljiva na modo ali datum;
the credit institution must have the right to physically inspect the property.
kreditna institucija mora imeti pravico do fizičnega pregleda premičnin.
It shall have policies and procedures addressing its exercise of the right to physical inspection; and
Vzpostavljene so politike in postopki, ki obravnavajo uresničevanje pravice do fizičnega pregleda; in
the credit institution must have procedures to monitor that the property taken as protection is adequately insured against damage.
kreditna institucija mora vzpostaviti postopke za spremljanje, ali so nepremičnine, sprejete v zavarovanje, primerno škodno zavarovane.
Minimum requirements for treating lease exposures as collateralised
Minimalne zahteve za obravnavanje izpostavljenosti iz naslova zakupa kot zavarovane s premoženjem
For the exposures arising from leasing transactions to be treated as collateralised by the type of property leased, the following conditions shall be met:(a) the conditions set out in points 8 or 10 as appropriate for the recognition as collateral of the type of property leased shall be met;
Za obravnavo izpostavljenosti iz naslova poslov zakupa kot zavarovanih s stvarmi, danimi v zakup, morajo biti izpolnjeni naslednji pogoji:(a) za priznavanje stvari, danih v zakup, kot zavarovanja s premoženjem, morajo biti izpolnjeni pogoji iz odstavkov 8 oziroma 10;
there shall be robust risk management on the part of the lessor with respect to the use to which the leased asset is put, its age and the planned duration of its use, including appropriate monitoring of the value of the security;
zakupodajalec vzpostavi zanesljivo upravljanje s tveganji glede uporabe, za katero je bila dana stvar v zakup, njene starosti in načrtovanega trajanja uporabe, vključno s primernim spremljanjem vrednosti garancije;
there shall be in place a robust legal framework establishing the lessor's legal ownership of the asset and its ability to exercise its rights as owner in a timely fashion; and
vzpostavi se zanesljiv pravni okvir, ki določa zakupodajalčevo pravno lastništvo sredstva in njegovo zmožnost pravočasnega uresničevanja pravic, ki jih ima kot lastnik; in
where this has not already been ascertained in calculating the LGD level, the difference between the value of the unamortised amount and the market value of the security must not be so large as to overstate the credit risk mitigation attributed to the leased assets.
kolikor to ni bilo ugotovljeno že pri izračunu višine LGD, razlika med vrednostjo neporavnanega zneska in tržno vrednostjo garancije ne sme biti tako velika, da bi precenila zmanjševanje kreditnega tveganja, ki je pripisano stvarem, danim v zakup.
Minimum requirements for the recognition of other funded credit protection
Minimalne zahteve za priznanje drugega stvarnega kreditnega zavarovanja
Cash on deposit with, or cash assimilated instruments held by, a third party institution
Bančne vloge pri tretji instituciji ali denarju podobni instrumenti, ki jih ima tretja institucija
To be eligible for the treatment set out at Part 3, point 79, the protection referred to in Part 1, point 23 must satisfy the following conditions:(a) the borrower's claim against the third party institution is openly pledged or assigned to the lending credit institution and such pledge or assignment is legally effective and enforceable in all relevant jurisdictions;
Za upravičenost do obravnave iz odstavka 79 v delu 3 mora zavarovanje iz odstavka 23 iz dela 1 izpolnjevati naslednje pogoje:(a) terjatev kreditojemalca do tretje institucije je odkrito zastavljena ali prenesena na posojilno kreditno institucijo in je ta zastavitev ali prenos v vseh pravnih redih pravno učinkovita in izvršljiva.
the third party institution is notified of the pledge or assignment;
tretja institucija se obvesti o zastavi ali prenosu;
as a result of the notification, the third party institution is able to make payments solely to the lending credit institution or to other parties with the lending credit institution's consent; and
zaradi obvestila lahko tretja institucija izvede plačila samo posojilni kreditni instituciji ali drugim strankam s privoljenjem kreditne institucije; in
the pledge or assignment is unconditional and irrevocable.
zastava ali prenos je brezpogojna in nepreklicna.
Life insurance policies pledged to the lending credit institution.
Police življenjskega zavarovanja, zastavljene posojilni kreditni instituciji
For life insurance policies pledged to the lending credit institution to be recognised the following conditions shall be met:(a) the company providing the life insurance may be recognised as an eligible unfunded credit protection provider under Part 1, point 26;
Police življenjskega zavarovanja, zastavljene posojilni kreditni instituciji, se lahko priznajo, če so izpolnjeni naslednji pogoji:(a) družba, ki daje življenjsko zavarovanje, se lahko prizna kot primeren izdajatelj osebnih kreditnih zavarovanj na podlagi odstavka 26 dela 1;
the life insurance policy is openly pledged or assigned to the lending credit institution;
polica življenjskega zavarovanja je izrecno zastavljena posojilni kreditni instituciji ali je prenesena nanjo;
the company providing the life insurance is notified of the pledge or assignment and as a result may not pay amounts payable under the contract without the consent of the lending credit institution;
družba, ki daje življenjsko zavarovanje, je obveščena o zastavi ali dodelitvi in zaradi tega ne more plačati na podlagi pogodbe izplačljivih zneskov brez privoljenja posojilne kreditne institucije;
the declared surrender value of the policy is non-reducible;
določene odkupne vrednosti police ni mogoče zmanjšati;
the lending credit institution must have the right to cancel the policy and receive the surrender value in a timely way in the event of the default of the borrower;
posojilna kreditna institucija mora imeti pravico do odpovedi police in pravočasnega prejetja odkupne vrednosti v primeru kreditojemalčevega neplačila;
the lending credit institution is informed of any non-payments under the policy by the policy-holder;
posojilna kreditna institucija se obvesti o vsakem neplačilu po polici s strani imetnika police;
the credit protection must be provided for the maturity of the loan.
kreditno zavarovanje se mora zagotavljati do dospelosti posojila.
Where this is not possible because the insurance relationship ends before the loan relationship expires, the credit institution must ensure that the amount deriving from the insurance contract serves the credit institution as security until the end of the duration of the credit agreement; and
Kadar to ni mogoče, ker se zavarovalno razmerje konča pred iztekom posojilnega razmerja, mora kreditna institucija zagotoviti, da znesek iz zavarovalne pogodbe kreditni instituciji do izteka sporazuma o kreditu služi kot garancija; in
the pledge or assignment must be legally effective and enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement.
zastava ali prenos mora biti pravno učinkovita in izvršljiva v vseh zadevnih pravnih redih, ki veljajo ob sklenitvi sporazuma o kreditu.
UNFUNDED CREDIT PROTECTION AND CREDIT LINKED NOTES
OSEBNO KREDITNO ZAVAROVANJE IN KREDITNI ZAPISI
Requirements common to guarantees and credit derivatives
Zahteve, ki se nanašajo tako na osebna jamstva kot na kreditne izvedene finančne instrumente
Subject to point 16, for the credit protection deriving from a guarantee or credit derivative to be recognised the following conditions shall be met:(a) the credit protection shall be direct;
V skladu z odstavkom 16 morajo biti izpolnjeni naslednji pogoji za priznanje kreditnega zavarovanja iz naslova osebnega jamstva ali kreditnega izvedenega finančnega instrumenta:(a) kreditno zavarovanje je neposredno;
the extent of the credit protection shall be clearly defined and incontrovertible;
obseg kreditnega zavarovanja je jasno opredeljen in nesporen;
the credit protection contract shall not contain any clause, the fulfilment of which is outside the direct control of the lender, that:(i) would allow the protection provider unilaterally to cancel the protection;
pogodba o kreditnem zavarovanju ne vsebuje nikakršne klavzule, katere izpolnitev je izven neposrednega nadzora posojilodajalca, ki bi:(i) izdajatelju kreditnega zavarovanja dovoljevala, da enostransko prekliče zavarovanje,
would increase the effective cost of protection as a result of deteriorating credit quality of the protected exposure;
povečala dejanske stroške zavarovanja zaradi poslabšanja kreditne kvalitete zavarovane izpostavljenosti,
could prevent the protection provider from being obliged to pay out in a timely manner in the event that the original obligor fails to make any payments due; or
lahko preprečila obveznost izdajatelja kreditnega zavarovanja, da pravočasno plača v primeru, da prvotni dolžnik ne poravna zapadlih plačil, ali
could allow the maturity of the credit protection to be reduced by the protection provider; and
lahko izdajatelju kreditnega zavarovanja dovoljevala, da skrajša zapadlost kreditnega zavarovanja; in
it must be legally effective and enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement.
biti mora pravno učinkovita in izvršljiva v vseh zadevnih pravnih redih, ki veljajo ob sklenitvi sporazuma o kreditu.
The credit institution shall satisfy the competent authority that it has systems in place to manage potential concentration of risk arising from the credit institution's use of guarantees and credit derivatives.
Kreditna institucija izpolni zahteve pristojnih organov, da ima vzpostavljene sisteme za upravljanje z morebitno koncentracijo tveganja, ki izhaja iz uporabe osebnih jamstev ali kreditnih izvedenih finančnih instrumentov.
The credit institution must be able to demonstrate how its strategy in respect of its use of credit derivatives and guarantees interacts with its management of its overall risk profile.
Kreditna institucija mora biti sposobna prikazati, kako je njena strategija uporabe kreditnih izvedenih finančnih instrumentov in osebnih jamstev povezana z njenim upravljanjem celotnega profila tveganj.
Sovereign and other public sector counter‐guarantees
Posredna osebna jamstva držav in drugih oseb javnega prava
Where an exposure is protected by a guarantee which is counter‐guaranteed by a central government or central bank, a regional government or local authority, a public sector entity, claims on which are treated as claims on the central government in whose jurisdiction they are established under Articles 78 to 83, a multi-lateral development bank to which a 0 % risk weight is assigned under or by virtue of Articles 78 to 83, or a public sector entity, claims on which are treated as claims on credit institutions under Articles 78 to 83, the exposure may be treated as protected by a guarantee provided by the entity in question, provided the following conditions are satisfied:(a) the counter‐guarantee covers all credit risk elements of the claim;
Če je izpostavljenost zavarovana z osebnim jamstvom, za katerega posredno jamči enota centralne ravni države ali centralna banka, regionalna ali lokalna raven države ali oseba javnega sektorja, do katerih terjatve se v skladu s členi 78 do 83 obravnavajo kot terjatve do enote centralne ravni države, na ozemlju katere nastanejo, multilateralna razvojna banka, za katero se v skladu s členi 78 do 83 uporablja utež tveganja 0 %, ali oseba javnega prava, terjatve do katere se v skladu s členi 78 do 83 obravnavajo kot terjatve do kreditnih institucij, se lahko šteje, da je izpostavljenost zavarovana z osebnim jamstvom, ki ga je zagotovila zadevna oseba, če so izpolnjeni naslednji pogoji:(a) posredno osebno jamstvo krije vse sestavine kreditnega tveganja terjatve;
both the original guarantee and the counter‐guarantee meet the requirements for guarantees set out in points 14, 15 and 18, except that the counter‐guarantee need not be direct; and
tako prvotno jamstvo kot tudi posredno jamstvo izpolnjujeta zahteve za jamstva, določene v odstavkih 14, 15 in 18, razen da se za posredno jamstvo ne zahteva neposrednost; in
the competent authority is satisfied that the cover is robust and that nothing in the historical evidence suggests that the coverage of the counter‐guarantee is less than effectively equivalent to that of a direct guarantee by the entity in question.
izpolni se zahteva pristojnega organa, da je kritje zanesljivo in da v pretekli dokumentaciji ni ničesar, kar bi nakazovalo, da je kritje posrednega osebnega jamstva manj kot dejansko enakovredno kritju neposrednega osebnega jamstva zadevne osebe.
The treatment set out in point 16 also applies to an exposure which is not counter‐guaranteed by an entity listed in that point if that exposure's counter‐guarantee is in turn directly guaranteed by one of the listed entities and the conditions listed in that point are satisfied.
Postopek iz odstavka 16 se uporablja tudi za izpostavljenost, za katero posredno ne jamčijo v tem odstavku navedene osebe, če posredno jamstvo zanje namesto tega neposredno zagotavlja ena od navedenih oseb in so izpolnjeni pogoji, navedeni v odstavku 16.
Additional requirements for guarantees
Dodatne zahteve za osebna jamstva
For a guarantee to be recognised the following conditions shall also be met:(a) on the qualifying default of and/or non-payment by the counterparty, the lending credit institution shall have the right to pursue, in a timely manner, the guarantor for any monies due under the claim in respect of which the protection is provided.
Za priznanje osebnega jamstva morajo biti izpolnjeni še naslednji pogoji:(a) ob kvalificirani kršitvi in/ali neplačilu nasprotne stranke ima posojilna kreditna institucija pravico, da od izdajatelja osebnega jamstva pravočasno zahteva vse zapadle denarne zneske iz naslova terjatve, v zvezi s katero je zagotovljeno zavarovanje.
Payment by the guarantor shall not be subject to the lending credit institution first having to pursue the obligor.
Plačilo s strani izdajatelja osebnega jamstva ni pogojeno s tem, da mora posojilna kreditna institucija najprej terjati dolžnika.
In the case of unfunded credit protection covering residential mortgage loans, the requirements in point 14(c)(iii) and in the first subparagraph of this point have only to be satisfied within 24 months;
V primeru osebnih kreditnih zavarovanj, ki pokrivajo stanovanjska hipotekarna posojila, je treba zahteve v členu 14(c)(iii) in prvega pododstavka te točke izpolniti šele v obdobju, ki skupno znaša 24 mesecev;
the guarantee shall be an explicitly documented obligation assumed by the guarantor; and
osebno jamstvo je izrecno dokumentirana obveznost, ki jo prevzame izdajatelj jamstva; in
subject to the following sentence, the guarantee shall cover all types of payments the obligor is expected to make in respect of the claim.
v skladu z naslednjim stavkom osebno jamstvo krije vse vrste plačil, za katere se pričakuje, da jih v zvezi s terjatvijo opravi dolžnik.
Where certain types of payment are excluded from the guarantee, the recognised value of the guarantee shall be adjusted to reflect the limited coverage.
Če so določene vrste plačil izključene iz osebnega jamstva, se priznana vrednost jamstva prilagodi tako, da so upoštevane omejitve kritja.
In the case of guarantees provided in the context of mutual guarantee schemes recognised for these purposes by the competent authorities or provided by or counter‐guaranteed by entities referred to in point 16, the requirements in point 18(a) shall be considered to be satisfied where either of the following conditions are met:(a) the lending credit institution has the right to obtain in a timely manner a provisional payment by the guarantor calculated to represent a robust estimate of the amount of the economic loss, including losses resulting from the non‐payment of interest and other types of payment which the borrower is obliged to make, likely to be incurred by the lending credit institution proportional to the coverage of the guarantee; or
V primeru osebnih jamstev, zagotovljenih v okviru vzajemnih jamstvenih shem, ki jih v ta namen priznajo pristojni organi ali jih zagotovijo ali za njih posredno osebno jamčijo osebe, navedene v odstavku 16, se šteje, da so zahteve iz odstavka 18(a) izpolnjene, če je izpolnjen eden od naslednjih pogojev:(a) posojilna kreditna institucija ima pravico, da od izdajatelja osebnega jamstva pravočasno pridobi začasno plačilo, izračunano tako, da predstavlja grobo oceno zneska ekonomske izgube, vključno z izgubami zaradi neplačila obresti in drugih vrst plačil, ki jih je kreditojemalec obvezen poravnati, za katere je verjetno, da jih bo imela kreditna institucija sorazmerno z jamstvenim kritjem; ali
the lending credit institution can demonstrate that the loss-protecting effects of the guarantee, including losses resulting from the non-payment of interest and other types of payments which the borrower is obliged to make, justify such treatment.
posojilna kreditna institucija lahko dokaže, da učinki osebnega jamstva, ki se kažejo v varovanju pred izgubami, vključno z izgubami zaradi neplačila obresti in drugih vrst plačil, ki jih je kreditojemalec obvezen poravnati, upravičujejo takšno obravnavo.
Additional requirements for credit derivatives
Dodatne zahteve za kreditne izvedene finančne instrumente