natgillin/translations-raw huggingface dataset:
Exposures for which such a credit assessment is not available shall be assigned a 100 % risk weight or the risk weight of its central government, whichever is the higher.
Izpostavljenostim, za katere taka bonitetna ocena ni na razpolago, se dodeli utež tveganja v višini 100 % ali v višini, kot se dodeli enotam centralne ravni države podjetja, če je slednja višja.
RETAIL EXPOSURES
IZPOSTAVLJENOSTI IZ NASLOVA BANČNIŠTVA NA DROBNO
Exposures that comply with the criteria listed in Article 79(2) shall be assigned a risk weight of 75 %.
Izpostavljenostim, ki izpolnjujejo merila iz člena 79(2), se dodeli utež tveganja 75 %.
EXPOSURES SECURED BY REAL ESTATE PROPERTY
IZPOSTAVLJENOSTI, ZAVAROVANE Z NEPREMIČNINAMI
Without prejudice to points 45 to 60, exposures fully secured by real estate property shall be assigned a risk weight of 100 %.
Brez poseganja v odstavke 45 do 60 se izpostavljenostim, ki so v celoti zavarovane z nepremičninami, dodeli utež tveganja 100 %.
Exposures secured by mortgages on residential property
Izpostavljenosti, zavarovane s hipotekami na stanovanjske nepremičnine
Exposures or any part of an exposure fully and completely secured, to the satisfaction of the competent authorities, by mortgages on residential property which is or shall be occupied or let by the owner, or the beneficial owner in the case of personal investment companies, shall be assigned a risk weight of 35 %.
Izpostavljenostim ali kateremu koli delu izpostavljenosti, ki so v celoti in popolnoma zavarovane, kakor zahtevajo pristojni organi, s hipotekami na stanovanjske nepremičnine, ki jih lastnik ali upravičenec v primeru osebnih investicijskih podjetij zaseda ali oddaja ali jih bo zasedal ali oddajal, se dodeli utež tveganja 35 %.
Exposures fully and completely secured, to the satisfaction of the competent authorities, by 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 shall be occupied or let by the owner shall be assigned a risk weight of 35 %.
Izpostavljenostim, ki so v celoti in popolnoma zavarovane, kakor zahtevajo pristojni organi, z delnicami v finskih stanovanjsko nepremičninskih družbah, ki poslujejo v skladu s finskim Zakonom o nepremičninskih družbah iz leta 1991 ali naknadno sprejeto enakovredno zakonodajo, in ki se nanašajo na stanovanjske nepremičnine, ki jih posojilojemalec zaseda ali oddaja ali jih bo zasedal ali oddajal, se dodeli utež tveganja 35 %.
Exposures to a tenant under a property leasing transaction concerning residential property under which the credit institution is the lessor and the tenant has an option to purchase, shall be assigned a risk weight of 35 % provided that the competent authorities are satisfied that the exposure of the credit institution is fully and completely secured by its ownership of the property.
Za izpostavljenosti do zakupnika pri poslih zakupa premoženja v zvezi s stanovanjskimi nepremičninami, kjer je kreditna institucija zakupodajalec in ima zakupnik možnost nakupa, se določi 35 % utež tveganja, pod pogojem da se pristojni organ prepriča, da je izpostavljenost kreditne institucije v celoti in popolnoma zavarovana z njeno lastninsko pravico na premoženju.
In the exercise of their judgement for the purposes of points 45 to 47, competent authorities shall be satisfied only if the following conditions are met:
Pri izvajanju svoje presoje za namene odstavkov 45 do 47 pristojni organi ugotovijo, da so njihove zahteve izpolnjene le, če so izpolnjeni naslednji pogoji:
the value of the property does not materially depend upon the credit quality of the obligor.
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;
Ta zahteva ne izključuje okoliščin, ko popolnoma makroekonomski dejavniki vplivajo na vrednost nepremičnine in na izpolnjevanje obveznosti kreditojemalca;
the risk of the borrower does not materially depend upon the performance of the underlying property or project, but rather on the underlying capacity of the borrower to repay the debt from other sources.
tveganje kreditojemalca ni v veliki meri odvisno od donosnosti zadevne nepremičnine ali projekta, ampak od zmogljivosti kreditojemalca, da poplača dolg iz drugih virov.
As such, repayment of the facility does not materially depend on any cash flow generated by the underlying property serving as collateral;
Odplačilo posojila kot tako ni v veliki meri odvisno od katerega koli denarnega pritoka, ki ga ustvarja zadevna nepremičnina, ki služi kot zavarovanje;
the minimum requirements set out in Annex VIII, Part 2, point 8 and the valuation rules set out in Annex VIII, Part 3, points 62 to 65 are met; and
minimalne zahteve iz odstavka 8 v delu 2 Priloge VIII in pravila za vrednotenje iz odstavkov 62 do 65 v delu 3 Priloge VIII so izpolnjeni; in
the value of the property exceeds the exposures by a substantial margin.
vrednost nepremičnine znatno presega izpostavljenosti.
Competent authorities may dispense with the condition contained in point 48(b) for exposures fully and completely secured by mortgages on residential property which is situated within their territory, if they have evidence that a well-developed and long‐established residential real estate market is present in their territory with loss rates which are sufficiently low to justify such treatment.
Pristojni organi lahko opustijo pogoj iz odstavka 48(b) za izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na stanovanjske nepremičnine, ki se nahajajo na njihovem ozemlju, če imajo dokazila, da je na njihovem ozemlju že dolgo prisoten dobro razvit trg stanovanjskih nepremičnin, na katerem so stopnje izgub dovolj nizke, da upravičijo tako obravnavo.
When the discretion contained in point 49 is exercised by the competent authorities of a Member State, the competent authorities of another Member State may allow their credit institutions to assign a risk weight of 35 % to such exposures fully and completely secured by mortgages on residential property.
Če pristojni organi ene države članice uveljavljajo diskrecijsko pravico iz odstavka 49, lahko tudi pristojni organi druge države članice dovolijo svojim kreditnim institucijam, da uporabijo utež tveganja 35 % za take izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na stanovanjske nepremičnine.
Exposures secured by mortgages on commercial real estate
Izpostavljenosti, zavarovane s hipotekami na poslovne nepremičnine
Subject to the discretion of the competent authorities, exposures or any part of an exposure fully and completely secured, to the satisfaction of the competent authorities, by mortgages on offices or other commercial premises situated within their territory may be assigned a risk weight of 50 %.
Ob upoštevanju diskrecijske pravice pristojnih organov se izpostavljenostim ali kateremu koli delu izpostavljenosti, ki so v celoti in popolnoma zavarovane, kakor zahtevajo pristojni organi, s hipotekami na pisarne ali druge poslovne prostore, ki se nahajajo na njihovem ozemlju, lahko dodeli utež tveganja 50 %.
Subject to the discretion of the competent authorities, exposures fully and completely secured, to the satisfaction of the competent authorities, by shares in Finnish housing companies, operating in accordance with the Finnish Housing Company Act of 1991 or subsequent equivalent legislation, in respect of offices or other commercial premises may be assigned a risk weight of 50 %.
Ob upoštevanju diskrecijske pravice pristojnih organov se izpostavljenostim, ki so v celoti in popolnoma zavarovane, kakor zahtevajo pristojni organi, z delnicami v finskih nepremičninskih družbah, ki poslujejo v skladu s finskim Zakonom o nepremičninskih družbah iz leta 1991 ali naknadno sprejeto enakovredno zakonodajo, in ki se nanašajo se na pisarne ali druge poslovne prostore, lahko dodeli utež tveganja 50 %.
Subject to the discretion of the competent authorities, exposures related to property leasing transactions concerning offices or other commercial premises situated in their territories under which the credit institution is the lessor and the tenant has an option to purchase may be assigned a risk weight of 50 % provided that the exposure of the credit institution is fully and completely secured to the satisfaction of the competent authorities by its ownership of the property.
Ob upoštevanju diskrecijske pravice pristojnih organov se izpostavljenostim, ki se nanašajo na posle v zvezi z zakupom premoženja, ki zadeva pisarne ali druge gospodarske objekte, ki se nahajajo na njihovem ozemlju, ter pri katerih je kreditna institucija zakupodajalec in pri katerih ima zakupnik možnost nakupa, lahko dodeli ocena tveganja 50 %, če je izpostavljenost kreditne institucije po pozitivnem mnenju pristojnih organov v celoti zavarovana z njeno lastninsko pravico na premoženju.
The application of points 51 to 53 is subject to the following conditions:
Odstavki 51 do 53 se uporabljajo ob upoštevanju naslednjih pogojev:
the value of the property must not materially depend upon the credit quality of the obligor.
vrednost nepremičnine ne sme biti v veliki meri odvisna od kreditne kvalitete dolžnika.
the risk of the borrower must not materially depend upon the performance of the underlying property or project, but rather on the underlying capacity of the borrower to repay the debt from other sources.
tveganje kreditojemalca ne sme biti v veliki meri odvisno od donosnosti zadevne nepremičnine ali projekta, ampak od zmogljivosti kreditojemalca, da poplača dolg iz drugih virov.
As such, repayment of the facility must not materially depend on any cash flow generated by the underlying property serving as collateral; and
Odplačilo posojila kot tako ne sme biti v veliki meri odvisno od katerega koli denarnega pritoka, ki ga ustvarja zadevna nepremičnina, ki služi kot zavarovanje; in
the minimum requirements set out in Annex VIII, Part 2, point 8, and the valuation rules set out in Annex VIII, Part 3, points 62 to 65 are met.
minimalne zahteve iz odstavka 8 dela 2 Priloge VIII in pravila za vrednotenje iz odstavkov 62 do 65 dela 3 Priloge VIII so izpolnjeni.
The 50 % risk weight shall be assigned to the Part of the loan that does not exceed a limit calculated according to either of the following conditions:
Utež tveganja 50 % se uporablja za del posojila, ki ne presega omejitve, izračunane v skladu z enim od naslednjih pogojev:
50 % of the market value of the property in question;
50 % tržne vrednosti zadevnega premoženja;
50 % of the market value of the property or 60 % of the mortgage lending value, whichever is lower, in those Member States that have laid down rigorous criteria for the assessment of the mortgage lending value in statutory or regulatory provisions.
50 % tržne vrednosti premoženja ali 60 % hipotekarne posojilne vrednosti, če je slednje nižje, v tistih državah članicah, ki so v zakonih ali podzakonskih predpisih določile stroga merila za ocenjevanje hipotekarne posojilne vrednosti.
A 100 % risk weigh shall be assigned to the Part of the loan that exceeds the limits set out in point 55.
Utež tveganja 100 % se uporablja za del posojila, ki presega omejitve iz odstavka 55.
When the discretion contained in points 51 to 53 is exercised by the competent authorities of one Member State, the competent authorities of another Member State may allow their credit institutions to risk weight at 50 % such exposures fully and completely secured by mortgages on commercial property.
Če pristojni organi ene države članice uveljavljajo diskrecijsko pravico iz odstavka 51 do 53, lahko tudi pristojni organi druge države članice dovolijo svojim kreditnim institucijam, da uporabijo utež tveganja 50 % za take izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na poslovne nepremičnine.
Competent authorities may dispense with the condition contained in point 54(b) for exposures fully and completely secured by mortgages on commercial property which is situated within their territory, if they have evidence that a well-developed and long‐established commercial real estate market is present in their territory with loss-rates which do not exceed the following limits:
Pristojni organi lahko opustijo pogoj iz odstavka 54(b) za izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na poslovne nepremičnine, ki se nahajajo na njihovem ozemlju, če imajo dokazila, da je na njihovem ozemlju že dolgo prisoten dobro razvit trg poslovnih nepremičnin, na katerem stopnje izgub ne presegajo naslednjih omejitev:
losses stemming from lending 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 (MLV)) do not exceed 0,3 % of the outstanding loans collateralised by commercial real estate property in any given year; and
izgube iz naslova posojil, ki so bili zavarovani s poslovnimi nepremičninami do 50 % tržne vrednosti (ali, če je razpoložljivo in če je manj, 60 % hipotekarne posojilne vrednosti (MLV)), ne smejo presegati 0,3 % neodplačanih posojil, zavarovanih s poslovnimi nepremičninami v danem letu; in
overall losses stemming from lending collateralised by commercial real estate property must 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, ne smejo presegati 0,5 % neodplačanih posojil, zavarovanih s poslovnimi nepremičninami, v danem letu.
If either of the limits referred to in point 58 is not satisfied in a given year, the eligibility to use point 58 shall cease and the condition contained in point 54(b) shall apply until the conditions in point 58 are satisfied in a subsequent year.
Če katera koli omejitev iz odstavka 58 v danem letu ni izpolnjena, upravičenost do uporabe odstavka 58 preneha; dokler pogoji iz odstavka 58 v enem od naslednjih let niso izpolnjeni, velja pogoj iz odstavka 54(b).
When the discretion contained in point 58 is exercised by the competent authorities of a Member State, the competent authorities of another Member State may allow their credit institutions to assign a risk weight of 50 % to such exposures fully and completely secured by mortgages on commercial property.
Če pristojni organi ene države članice uveljavljajo diskrecijsko pravico iz odstavka 55, lahko tudi pristojni organi druge države članice dovolijo svojim kreditnim institucijam, da uporabijo utež tveganja 50 % za take izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na poslovne nepremičnine.
PAST DUE ITEMS
ZAPADLE POSTAVKE
Without prejudice to the provisions contained in points 62 to 65, the unsecured part of any item that is past due for more than 90 days and which is above a threshold defined by the competent authorities and which reflects a reasonable level of risk shall be assigned a risk weight of:
Nezavarovanemu delu postavke, ki je zapadla več kakor 90 dni in presega prag, ki so ga določili pristojni organi, ter odraža ustrezno stopnjo tveganja, se brez poseganja v določbe iz odstavkov 62 do 65 dodeli utež tveganja:
150 %, if value adjustments are less than 20 % of the unsecured part of the exposure gross of value adjustments; and
150 %, če so popravki vrednosti manjši od 20 % nezavarovanega dela izpostavljenosti vključno s popravki vrednosti; in
100 %, if value adjustments are no less than 20 % of the unsecured part of the exposure gross of value adjustments.
100 %, če popravki vrednosti niso manjši od 20 % nezavarovanega dela izpostavljenosti vključno s popravki vrednosti.
For the purpose of defining the secured part of the past due item, eligible collateral and guarantees shall be those eligible for credit risk mitigation purposes.
Za namen opredelitve zavarovanega dela zapadle postavke so primerna zavarovanja s premoženjem in osebna jamstva, ki so primerna za namene zmanjševanja kreditnega tveganja.
Nonetheless, where a past due item is fully secured by forms of collateral other then those eligible for credit risk mitigation purposes, a 100 % risk weight may be assigned subject to the discretion of competent authorities based upon strict operational criteria to ensure the good quality of the collateral when value adjustments reach 15 % of the exposure gross of value adjustments.
Ko pa je zapadla postavka v celoti zavarovana z oblikami zavarovanj razen tistih, ki so primerne za namene zmanjševanja kreditnega tveganja, se lahko uporabi utež tveganja 100 % ob upoštevanju diskrecijske pravice pristojnih organov na podlagi strogih operativnih meril, da se zagotovi kakovost zavarovanja s premoženjem, če popravki vrednosti dosežejo 15 % izpostavljenosti vključno s popravki vrednosti.
Exposures indicated in points 45 to 50 shall be assigned a risk weight of 100 % net of value adjustments if they are past due for more than 90 days.
Izpostavljenostim iz odstavkov 45 do 50, zmanjšanim za popravke vrednosti, se dodeli utež tveganja 100 %, če so zapadle več kakor 90 dni.
If value adjustments are no less than 20 % of the exposure gross of value adjustments, the risk weight to be assigned to the remainder of the exposure may be reduced to 50 % at the discretion of competent authorities.
Če popravki vrednosti znašajo najmanj 20 % izpostavljenosti vključno s popravki vrednosti, se za preostanek izpostavljenosti lahko utež tveganja zmanjša na 50 % po diskrecijski pravici pristojnih organov.
Exposures indicated in points 51 to 60 shall be assigned a risk weight of 100 % if they are past due for more than 90 days.
Izpostavljenostim iz odstavkov 51 do 60 se dodeli utež tveganja 100 %, če so zapadle več kakor 90 dni.
ITEMS BELONGING TO REGULATORY HIGH-RISK CATEGORIES
REGULATORNO ZELO TVEGANE KATOGORIJE POSTAVK
Subject to the discretion of competent authorities, exposures associated with particularly high risks such as investments in venture capital firms and private equity investments shall be assigned a risk weight of 150 %.
Ob upoštevanju diskrecijske pravice pristojnih organov se izpostavljenostim, povezanim s posebej velikim tveganjem, kakršne so naložbe v podjetja tveganega kapitala in naložbe v kapital nejavnih družb, se dodeli utež tveganja 150 %.
Competent authorities may permit non past due items to be assigned a 150 % risk weight according to the provisions of this Part and for which value adjustments have been established to be assigned a risk weight of:
Pristojni organi lahko dovolijo, da se nezapadlim postavkam, ki se jim v skladu z določbami prejšnjih oddelkov dodeli utež tveganja 150 % in za katere so bili oblikovani popravki vrednosti, dodeli utež tveganja:
100 %, if value adjustments are no less than 20 % of the exposure value gross of value adjustments; and
100 %, če popravki vrednosti niso manjši od 20 % vrednosti izpostavljenosti vključno s popravki vrednosti; in
50 %, if value adjustments are no less than 50 % of the exposure value gross of value adjustments.
50 %, če popravki vrednosti niso manjši od 50 % vrednosti izpostavljenosti vključno s popravki vrednosti.
EXPOSURES IN THE FORM OF COVERED BONDS
IZPOSTAVLJENOSTI IZ NASLOVA NALOŽB V KRITE OBVEZNICE
‘Covered bonds’, shall mean bonds as defined in Article 22(4) of Directive 85/611/EEC and collateralised by any of the following eligible assets:
„Krite obveznice“ so obveznice, kakor so opredeljene v členu 22(4) Direktive 85/611/EGS in ki so zavarovane s katerim koli naslednjimi primernimi sredstvi:
exposures to or guaranteed by central governments, central banks, public sector entities, regional governments and local authorities in the EU;
izpostavljenosti do ali z jamstvom enot centralne ravni držav, centralnih bank, oseb javnega sektorja ter enot regionalne in lokalne ravni držav v EU;
exposures to or guaranteed by non-EU central governments, non-EU central banks, multilateral development banks, international organisations that qualify for the credit quality step 1 as set out in this Annex, and exposures to or guaranteed by non-EU public sector entities, non-EU regional governments and non-EU local authorities that are risk weighted as exposures to institutions or central governments and central banks according to points 8, 9, 14 or 15 respectively and that qualify for the credit quality step 1 as set out in this Annex, and exposures in the sense of this point that qualify as a minimum for the credit quality step 2 as set out in this Annex, provided that they do not exceed 20 % of the nominal amount of outstanding covered bonds of issuing institutions;
izpostavljenosti do ali z jamstvom centralne ravni držav nečlanic EU, centralnih bank držav nečlanic EU, multilateralnih razvojnih bank, mednarodnih organizacij, ki se uvrščajo v prvo stopnjo kreditne kvalitete, kakor je navedeno v tej prilogi, in izpostavljenosti do ali z jamstvom oseb javnega sektorja držav nečlanic EU, enot regionalne in lokalne oblasti držav nečlanic EU, ki se jim dodeli utež tveganja kot za izpostavljenosti do institucij ali enot centralne ravni držav in centralnih bank v skladu z odstavki 8, 9, 14 ali 15, kakor je ustrezno, in ki se uvrščajo v prvo stopnjo kreditne kvalitete, kakor je navedeno v tej prilogi, ter izpostavljenosti v smislu tega odstavka, ki se uvrščajo vsaj v stopnjo kreditne kvalitete 2, kakor je navedeno v tej prilogi, če ne presegajo 20 % nominalnega zneska neporavnanih obveznosti iz naslova kritih obveznic institucij, ki so jih izdale;
exposures to institutions that qualify for the credit quality step 1 as set out in this Annex.
izpostavljenosti do institucij, ki se uvrščajo v prvo stopnjo kreditne kvalitete, kakor je navedeno v tej prilogi.
The total exposure of this kind shall not exceed 15 % of the nominal amount of outstanding covered bonds of the issuing credit institution.
Skupna izpostavljenost te vrste ne presega 15 % nominalnega zneska neporavnanih obveznosti iz naslova kritih obveznic kreditne institucije, ki jih je izdala.
Exposures caused by transmission and management of payments of the obligors of, or liquidation proceeds in respect of, loans secured by real estate to the holders of covered bonds shall not be comprised by the 15 % limit.
Izpostavljenosti, nastale s prenosom in upravljanjem plačil dolžnikov ali likvidacijskimi iztržki dolžnikov iz naslova posojil, zavarovanih z nepremičninami, na imetnike kritih obveznic, niso zajete v izračun omejitve 15 %.
Exposures to institutions in the EU with a maturity not exceeding 100 days shall not be comprised by the step 1 requirement but those institutions must as a minimum qualify for credit quality step 2 as set out in this Annex;
Izpostavljenosti do institucij v EU z zapadlostjo do 100 dni ne spadajo v okvir prve stopnje kreditne kvalitete, vendar morajo te institucije v skladu s to prilogo ustrezati vsaj drugi stopnji kreditne kvalitete;