natgillin/translations-raw huggingface dataset:
For the purposes of point (b), ‘debt securities issued by central governments or central banks’ shall include:(i) debt securities issued by regional governments or local authorities, exposures to which are treated as exposures to the central government in whose jurisdiction they are established under Articles 78 to 83;
Za namene pododstavka (b) se šteje, da „dolžniški vrednostni papirji, izdani s strani enot centralne ravni države ali centralne banke“, vključujejo:(i) dolžniške vrednostne papirje, izdane s strani enot regionalne ali lokalne ravni države, izpostavljenost do katerih se na podlagi členov 78 do 83 obravnava kot izpostavljenost do enot centralne ravni države, na ozemlju katere so ustanovljene;
debt securities issued by public sector entities which are treated as exposures to central governments in accordance with point 15 of Part 1 of Annex VI;
dolžniške vrednostne papirje, ki so jih izdali subjekti javnega sektorja in se v skladu z odstavkom 15 dela 1 Priloge VI obravnavajo kot izpostavljenosti do centralne ravni države;
debt securities issued by multilateral development banks to which a 0 % risk weight is assigned under Articles 78 to 83; and
dolžniške vrednostne papirje, izdane s strani multilateralnih razvojnih bank, za katere se v skladu s členi 78 do 83 uporablja utež tveganja 0 %; in
debt securities issued by international organisations which are assigned a 0 % risk weight under Articles 78 to 83.
dolžniške vrednostne papirje, izdane s strani mednarodnih organizacij, za katere se v skladu s členi 78 do 83 uporablja utež tveganja 0 %.
For the purposes of point (c), ‘debt securities issued by institutions’ include:(i) debt securities issued by regional governments or local authorities other than those exposures to which are treated as exposures to the central government in whose jurisdiction they are established under Articles 78 to 83;
Za namene pododstavka (c) „dolžniški vrednostni papirji, ki so jih izdale institucije“, vključujejo:(i) dolžniške vrednostne papirje, izdane s strani enot regionalne ali lokalne ravni države, izpostavljenost do katerih v skladu s členi 78 do 83 šteje kot izpostavljenost do enot centralne ravni države, na katere ozemlju so ustanovljene;
debt securities issued by public sector entities, exposures to which are treated as exposures to credit institutions under Articles 78 to 83; and
dolžniške vrednostne papirje, ki so jih izdale osebe javnega sektorja, izpostavljenost do katerih se v skladu s členi 78 do 83 šteje kot izpostavljenost do kreditnih institucij;
debt securities issued by multilateral development banks other than those to which a 0 % risk weight is assigned under Articles 78 to 83.
dolžniške vrednostne papirje, izdane s strani multilateralnih razvojnih bank razen tistih, za katere se uporablja utež tveganja 0 %.
Debt securities issued by institutions which securities do not have a credit assessment by an eligible ECAI may be recognised as eligible collateral if they fulfil the following criteria:(a) they are listed on a recognised exchange;
Dolžniški vrednostni papirji, ki so jih izdale institucije, katerih vrednostni papirji nimajo bonitetne ocene primerne ECAI, se lahko priznajo kot primerno zavarovanje s premoženjem, če izpolnjujejo naslednja merila:(a) so uvrščeni v borzno kotacijo na priznani borzi;
they qualify as senior debt;
iz njih izhajajoči dolg se poplačuje prednostno;
all other rated issues by the issuing institution of the same seniority have a credit assessment by an eligible ECAI which has been determined by the competent authorities to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to institutions or short term exposures under Articles 78 to 83;
vse ostale ocenjene izdaje tega izdajatelja z enakimi pravicami glede prednosti pri poplačilu, za katere je na razpolago bonitetna ocena primerne ECAI, imajo bonitetno oceno primerne ECAI, ki po določilih pristojnega organa po pravilih za tehtanje izpostavljenosti do institucij ali po pravilih za tehtanje kratkoročnih izpostavljenosti na podlagi členov 78 do 83 ustreza stopnji kreditne kvalitete 3 ali nad njo;
the lending credit institution has no information to suggest that the issue would justify a credit assessment below that indicated in (c); and
posojilna kreditna institucija nima nobenih informacij, ki bi kazale, da bi se izdaji lahko upravičeno dodelila nižja bonitetna ocena od navedene pod (c); in
the credit institution can demonstrate to the competent authorities that the market liquidity of the instrument is sufficient for these purposes.
kreditna institucija lahko pristojnim organom dokaže, da tržna likvidnost instrumenta zadostuje za te namene.
Units in collective investment undertakings may be recognised as eligible collateral if the following conditions are satisfied:(a) they have a daily public price quote; and
Enote investicijskih skladov se lahko priznajo kot primerno zavarovanje s premoženjem, če so izpolnjeni naslednji pogoji:(a) njihova cena je dnevno javno objavljena; in
the collective investment undertaking is limited to investing in instruments that are eligible for recognition under points 7 and 8.
investicijski sklad je omejen na naložbe v instrumente, ki so po odstavkih 7 in 8 primerni za priznanje.
The use (or potential use) by a collective investment undertaking of derivative instruments to hedge permitted investments shall not prevent units in that undertaking from being eligible.
Če investicijski sklad za varovanje dovoljenih naložb uporablja (ali bi lahko uporabljal) izvedene finančne instrumente, to ne izključuje primernosti enot v navedenem skladu.
In relation to points (b) to (e) of point 7, where a security has two credit assessments by eligible ECAIs, the less favourable assessment shall be deemed to apply.
Če ima vrednostni papir dve bonitetni oceni primernih ECAI, se šteje za namene točk (b) do (e) odstavka 7, da se uporablja manj ugodna bonitetna ocena.
In cases where a security has more than two credit assessments by eligible ECAIs, the two most favourable assessments shall be deemed to apply.
V primerih, ko ima vrednostni papir več kakor dve bonitetni oceni primernih ECAI, se šteje, da se uporabita dve najbolj ugodni bonitetni oceni.
If the two most favourable credit assessments are different, the less favourable of the two shall be deemed to apply.
Če se dve najbolj ugodni bonitetni oceni razlikujeta, se šteje, da se uporablja manj ugodna bonitetna ocena izmed obeh.
Additional eligibility under the Financial Collateral Comprehensive Method
Dodatna primernost v okviru razvite metode za izračun učinkov zavarovanja s finančnim premoženjem
In addition to the collateral set out in points 7 to 10, where a credit institution uses the Financial Collateral Comprehensive Method under Part 3, the following financial items may be recognised as eligible collateral:(a) equities or convertible bonds not included in a main index but traded on a recognised exchange; and
Poleg zavarovanja s premoženjem iz odstavkov 7 do 10, se lahko, če kreditna institucija uporablja razvito metodo za izračun učinkov zavarovanja s finančnim premoženjem iz dela 3, kot primerno zavarovanje s premoženjem priznajo naslednji finančni instrumenti:(a) lastniški instrumenti ali zamenljive obveznice, ki niso vključeni v glavni borzni indeks, pač pa so uvrščeni v kotacijo na priznani borzi; in
units in collective investment undertakings if the following conditions are met:(i) they have a daily public price quote; and
enote investicijskih skladov, če so izpolnjeni naslednji pogoji:(i) njihova cena je dnevno javno objavljena, in
the collective investment undertaking is limited to investing in instruments that are eligible for recognition under point 7 and 8 and the items mentioned in point (a) of this point.
investicijski sklad je omejen na naložbe v instrumente, ki so primerni za priznanje na podlagi odstavkov 7 in 8, ter v postavke iz točke (a) tega odstavka.
Additional eligibility for calculations under Articles 84 to 89
Dodatna primernost za izračune v okviru členov 84 do 89
In addition to the collateral set out above the provisions of points 13 to 22 apply where a credit institution calculates risk-weighted exposure amounts and expected loss amounts under the approach set out in Articles 84 to 89:
Poleg zgoraj navedenega zavarovanja s premoženjem se uporabljajo določbe odstavkov 13 do 22, če kreditna institucija izračunava zneske tveganju prilagojenih izpostavljenosti in zneske pričakovanih izgub na podlagi pristopa iz členov 84 do 89:
Real estate collateral
Zavarovanje z nepremičnino
Residential real estate property which is or will be occupied or let by the owner, or the beneficial owner in the case of personal investment companies, and commercial real estate property, that is, offices and other commercial premises, may be recognised as eligible collateral where the following conditions are met:(a) the value of the property does not materially depend upon the credit quality of the obligor.
Stanovanjske nepremičnine, ki jih ima lastnik ali, v primeru osebnih investicijskih podjetij, upravičeni lastnik v posesti ali jih oddaja ali jih bo imel v posesti ali oddajal, in poslovne nepremičnine, in sicer pisarne in drugi gospodarski objekti, se lahko priznajo kot primerno zavarovanje s premoženjem, če so izpolnjeni naslednji pogoji:(a) vrednost nepremičnine ni v veliki meri odvisna od kreditne kvalitete dolžnika.
This requirement does not preclude situations where purely macro‐economic factors affect both the value of the property and the performance of the borrower; and
Ta zahteva ne izključuje okoliščine, ko popolnoma makroekonomski dejavniki vplivajo tako na vrednost nepremičnine kot tudi na izpolnjevanje obveznosti kreditojemalca; in
As such, repayment of the facility does not materially depend on any cash flow generated by the underlying property serving as collateral.
Povračilo posojila kot tako ni v veliki meri odvisno od katerega koli denarnega pritoka, ki ga ustvarja zadevna nepremičnina, ki služi kot zavarovanje s premoženjem.
Credit institutions may also recognise as eligible collateral shares in Finnish residential housing companies operating in accordance with the Finnish Housing Company Act of 1991 or subsequent equivalent legislation in respect of residential property which is or will be occupied or let by the owner, as residential real estate collateral, provided that these conditions are met.
Kreditne institucije lahko kot primerno zavarovanje s premoženjem priznajo tudi delnice v finskih stanovanjsko nepremičninskih družbah, ki poslujejo v skladu s finskim Zakonom o nepremičninskih družbah iz leta 1991 ali naknadno sprejeto enakovredno zakonodajo, nanašajočo se na stanovanjske nepremičnine, ki jih ima posojilojemalec v posesti ali jih oddaja ali jih bo imel v posesti ali oddajal, in jih obravnavajo kot zavarovanje s stanovanjsko nepremičnino, če so ti pogoji izpolnjeni.
The competent authorities may also authorise their credit institutions to recognise as eligible collateral shares in Finnish housing companies operating in accordance with the Finnish Housing Company Act of 1991 or subsequent equivalent legislation as commercial real estate collateral, provided that these conditions are met.
Pristojni organi lahko svoje kreditne institucije tudi pooblastijo, da kot primerno zavarovanje s premoženjem priznajo delnice v Finskih nepremičninskih družbah, ki poslujejo v skladu s finskim Zakonom o nepremičninskih družbah iz leta 1991 ali naknadno sprejeto enakovredno zakonodajo, in jih obravnavajo kot zavarovanje s poslovno nepremičnino, če so ti pogoji izpolnjeni.
The competent authorities may waive the requirement for their credit institutions to comply with condition (b) in point 13 for exposures secured by residential real estate property situated within the territory of that Member State, if the competent authorities have evidence that the relevant market is well-developed and long‐established with loss‐rates which are sufficiently low to justify such action.
Pristojni organi lahko opustijo zahtevo, da kreditne institucije izpolnjujejo pogoj (b) iz odstavka 13 za izpostavljenosti, zavarovane s stanovanjskimi nepremičninami, ki se nahajajo na ozemlju njihove države članice, če imajo dokazila, da je zadevni trg dobro razvit in uveljavljen, stopnje izgub pa so dovolj nizke, da to dejanje upravičujejo.
This shall not prevent the competent authorities of a Member State, which do not use this waiver from recognising as eligible residential real estate property recognised as eligible in another Member State by virtue of the waiver.
To pristojnim organom držav članic, ki ne uporabljajo te opustitve, ne preprečuje priznavanja primernosti stanovanjskih nepremičnin, ki so na podlagi opustitve priznane kot primerne v drugi državi članici.
Member States shall disclose publicly the use they make of this waiver.
Države članice javno objavijo uporabo te opustitve.
The competent authorities of the Member States may waive the requirement for their credit institutions to comply with the condition in point 13(b) for commercial real estate property situated within the territory of that Member State, if the competent authorities have evidence that the relevant market is well-developed and long-established and that loss-rates stemming from lending secured by commercial real estate property satisfy the following conditions:(a) losses stemming from loans collateralised by commercial real estate property up to 50 % of the market value (or where applicable and if lower 60 % of the mortgage-lending-value) do not exceed 0,3 % of the outstanding loans collateralised by commercial real estate property in any given year; and
Pristojni organi držav članic lahko opustijo zahtevo, da njihove kreditne institucije izpolnjujejo pogoj (b) iz odstavka 13 za poslovne nepremičnine, ki se nahajajo na ozemlju njihove države članice, če imajo dokazila, da je zadevni trg dobro razvit in uveljavljen, stopnje izgub, ki nastajajo zaradi posojil, zavarovanimi s poslovnimi nepremičninami, pa izpolnjujejo naslednje pogoje:(a) izgube iz naslova posojil, zavarovanih z do 50 % tržne vrednosti poslovnih nepremičnin (ali, če je razpoložljivo in če je manj, z do 60 % njihove hipotekarne posojilne vrednosti) v nobenem letu ne presegajo 0,3 % neodplačanih posojil, zavarovanih s poslovnimi nepremičninami; in
overall losses stemming from loans collateralised by commercial real estate property do not exceed 0,5 % of the outstanding loans collateralised by commercial real estate property in any given year.
skupne izgube iz naslova posojil, zavarovanih s poslovnimi nepremičninami, v nobenem letu ne presegajo 0,5 % neodplačanih posojil, zavarovanih s poslovnimi nepremičninami.
If either of these conditions is not satisfied in a given year, the eligibility to use this treatment will cease until the conditions are satisfied in a subsequent year.
Če kateri koli od teh pogojev ni izpolnjen v danem letu, upravičenost do uporabe te obravnave preneha, dokler pogoji niso izpolnjeni v enem od naslednjih let.
The competent authorities of a Member State may recognise as eligible collateral commercial real estate property recognised as eligible collateral in another Member State by virtue of the waiver provided for in point 17.
Pristojni organi države članice lahko priznajo primernost poslovnih nepremičnin, ki so na podlagi opustitve iz odstavka 17 priznane kot primerne v drugi državi članici.
Receivables
Denarne terjatve
The competent authorities may recognise as eligible collateral amounts receivable linked to a commercial transaction or transactions with an original maturity of less than or equal to one year.
Pristojni organi lahko kot primerno zavarovanje s premoženjem priznajo denarne terjatve, povezane s komercialnimi posli ali posli s prvotno zapadlostjo največ eno leto.
Eligible receivables do not include those associated with securitisations, sub‐participations or credit derivatives or amounts owed by affiliated parties.
Primerne denarne terjatve ne vključujejo tistih, ki so povezane s sekuritizacijo, podudeležbami ali kreditnimi izvedenimi finančnimi instrumenti ali zneski, ki jih dolgujejo povezaneosebe.
Other physical collateral
Zavarovanje s premičninami
The competent authorities may recognise as eligible collateral physical items of a type other than those types indicated in points 13 to 19 if satisfied as to the following:(a) the existence of liquid markets for disposal of the collateral in an expeditious and economically efficient manner; and
Pristojni organi lahko kot primerno zavarovanje s premoženjem poleg zavarovanj, ki so navedena v odstavkih 13 do 19, priznajo tudi premičnine, če ugotovijo naslednje:(a) obstoj likvidnih trgov za prodajo teh zavarovanj na hiter in ekonomsko učinkovit način; in
the existence of well-established publicly available market prices for the collateral.
obstoj dobro uveljavljenih, javno dostopnih tržnih cen za ta zavarovanja.
The credit institution must be able to demonstrate that there is no evidence that the net prices it receives when collateral is realised deviates significantly from these market prices.
Kreditna institucija mora biti tudi sposobna dokazati, da ni dokazov, da bi neto cene, ki jih doseže ob unovčenju teh zavarovanj, znatno odstopale od tržnih cen.
Subject to the provisions of Part 3, point 72, where the requirements set out in Part 2, point 11 are met, exposures arising from transactions whereby a credit institution leases property to a third party will be treated the same as loans collateralised by the type of property leased.
Ob upoštevanju določb odstavka 72 dela 3, če so izpolnjene zahteve iz odstavka 11 dela 2, se izpostavljenosti iz naslova poslov, s katerimi kreditna institucija daje v zakup stvari tretji stranki, obravnavajo enako kakor posojila, zavarovana s stvarmi, oddanimi v zakup.
Other funded credit protection
Drugo stvarno kreditno zavarovanje
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.
Cash on deposit with, or cash assimilated instruments held by, a third party institution in a non-custodial arrangement and pledged to the lending credit institution may be recognised as eligible credit protection.
Bančne vloge ali denarju podobni instrumenti, ki so pri tretji instituciji na neskrbniški pogodbeni osnovi in so zastavljeni posojilni kreditni instituciji, se lahko priznajo kot primerno kreditno zavarovanje.
Life insurance policies pledged to the lending credit institution
Police življenjskega zavarovanja, zastavljene posojilni kreditni instituciji
Life insurance policies pledged to the lending credit institution may be recognised as eligible credit protection.
Police življenjskega zavarovanja, zastavljene posojilni kreditni instituciji, se lahko priznajo kot primerno kreditno zavarovanje.
Institution instruments repurchased on request
Instrumenti institucij, odkupni na zahtevo
Instruments issued by third party institutions which will be repurchased by that institution on request may be recognised as eligible credit protection.
Instrumenti, ki jih je izdala tretja institucija in jih bo navedena institucija odkupila na zahtevo, se lahko priznajo kot primerno kreditno zavarovanje.
UNFUNDED CREDIT PROTECTION
OSEBNO KREDITNO ZAVAROVANJE
Eligibility of protection providers under all approaches
Primernost izdajateljev zavarovanja v okviru vseh pristopov
The following parties may be recognised as eligible providers of unfunded credit protection:(a) central governments and central banks;
Naslednje stranke se lahko priznajo kot primerni izdajatelji osebnih kreditnih zavarovanj:(a) enote centralne ravni držav in centralne banke;
regional governments or local authorities;
enote regionalne ali lokalne ravni držav;
multilateral development banks;
multilateralne razvojne banke;
international organisations exposures to which a 0 % risk weight under Articles 78 to 83 is assigned;
mednarodne organizacije, izpostavljenosti do katerih na podlagi členov 78 do 83 prejmejo utež tveganja 0 %;
public sector entities, claims on which are treated by the competent authorities as claims on institutions or central governments under Articles 78 to 83;
osebe javnega sektorja, terjatve do katerih pristojni organi na podlagi členov 78 do 83 obravnavajo kakor terjatve do institucij ali centralne ravni držav;
institutions; and
institucije; in
other corporate entities, including parent, subsidiary and affiliate corporate entities of the credit institution, that:(i) have a credit assessment by a recognised ECAI which has been determined by the competent authorities to be associated with credit quality step 2 or above under the rules for the risk weighting of exposures to corporates under Articles 78 to 83; and
druge družbe, vključno z družbami, ki so kreditni instituciji nadrejene, podrejene ali so z njo drugače povezane in ki:(i) imajo bonitetno oceno priznane ECAI, za katero je pristojni organ določil, da se po pravilih za tehtanje tveganja izpostavljenosti do podjetij iz členov 78 do 83 povezuje s stopnjo kreditne kvalitete 2 ali nad njo, in
in the case of credit institutions calculating risk‐weighted exposure amounts and expected loss amounts under Articles 84 to 89, do not have a credit assessment by a recognised ECAI and are internally rated as having a PD equivalent to that associated with the credit assessments of ECAIs determined by the competent authorities to be associated with credit quality step 2 or above under the rules for the risk weighting of exposures to corporate under Articles 78 to 83.
nimajo bonitetne ocene priznane ECAI, imajo pa interno oceno verjetnosti neplačila, ki ustreza bonitetnim ocenam ECAI, za katere so pristojni organi po pravilih za tehtanje tveganja izpostavljenosti do podjetij v skladu s členi 78 do 83 določili, da se povezuje s stopnjo kreditne kvalitete 2 ali nad njo – v primeru kreditnih institucij, ki zneske tveganjem prilagojenih izpostavljenosti in zneske pričakovanih izgub izračunavajo na podlagi členov 78 do 83.
Where risk‐weighted exposure amounts and expected loss amounts are calculated under Articles 84 to 89, to be eligible a guarantor must be internally rated by the credit institution in accordance with the provisions of Annex VII, Part 4.
Kadar se zneski tveganju prilagojenih izpostavljenosti in zneski pričakovanih izgub izračunavajo v skladu s členi 84 do 89, mora biti izdajatelj osebnega jamstva, da bi veljal za primernega, s strani kreditne institucije notranje bonitetno ocenjen v skladu z določbami dela 4 v Prilogi VII.
By way of derogation from point 26, the Member States may also recognise as eligible providers of unfunded credit protection, other 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.
Z odstopanjem od odstavka 26 lahko države članice kot primerne izdajateljice osebnega kreditnega zavarovanja priznajo tudi druge finančne institucije, ki so jim dovoljenje izdali in jih nadzorujejo pristojni organi, odgovorni za izdajanje dovoljenj in nadzor kreditnih institucij, ter ki so dolžne spoštovati zahteve glede varnega in skrbnega poslovanja, enakovredne tistim, ki se uporabljajo za kreditne institucije.
Eligibility of protection providers under the IRB Approach which qualify for the treatment set out in Annex VII, Part 1, point 4.
Primernost izdajateljev zavarovanja po pristopu IRB, ki so upravičeni do obravnave, določene v odstavku 4 dela 1 Priloge VII
Institutions, insurance and reinsurance undertakings and export credit agencies which fulfil the following conditions may be recognised as eligible providers of unfunded credit protection which qualify for the treatment set out in Annex VII, Part 1, point 4:the protection provider has sufficient expertise in providing unfunded credit protection;
Institucije, zavarovalnice in pozavarovalnice ter izvozne agencije, ki izpolnjujejo naslednje pogoje, se lahko priznajo kot primerni izdajatelji osebnega kreditnega zavarovanja, ki so upravičeni do obravnave, določene v odstavku 4 dela 1 Priloge VII:izdajatelj zavarovanja ima dovolj izkušenj na področju izdajanja osebnih kreditnih zavarovanj;