natgillin/translations-raw huggingface dataset:
The adjustment referred to in Article 103(c) for the loss-absorbing capacity of technical provisions and deferred taxes shall reflect potential compensation of unexpected losses through a simultaneous decrease in technical provisions or deferred taxes or a combination of the two.
Prilagoditev iz točke (c) člena 103 zaradi absorbcijskih kapacitet zavarovalno-tehničnih rezervacij in odloženih davkov odraža možno nadomestilo nepričakovanih izgub s hkratnim zmanjšanjem zavarovalno-tehničnih rezervacij ali odloženih davkov ali kombinacijo obeh.
That adjustment shall take account of the risk mitigating effect provided by future discretionary benefits of insurance contracts, to the extent insurance and reinsurance undertakings can establish that a reduction in such benefits may be used to cover unexpected losses when they arise.
Prilagoditev upošteva učinek blažitve tveganja zaradi prihodnjih diskrecijskih upravičenj iz pogodb zavarovanja, v obsegu v katerem lahko zavarovalnice in pozavarovalnice dokažejo, da se lahko zmanjšanje takšnih upravičenj uporabi za kritje nepričakovanih izgub, ko nastanejo.
The risk mitigating effect provided by future discretionary benefits shall be no higher than the sum of technical provisions and deferred taxes relating to those future discretionary benefits.
Učinek ublažitve tveganja zaradi prihodnjih diskrecijskih upravičenj ne bo večji od vsote zavarovalno-tehničnih rezervacij in odloženih davkov, ki se nanašajo na te prihodnja diskrecijska izplačila.
For the purpose of the second paragraph, the value of future discretionary benefits under adverse circumstances shall be compared to the value of such benefits under the underlying assumptions of the best-estimate calculation.
Za namen drugega odstavka se vrednost prihodnjih diskrecijskih upravičenj v neugodnih razmerah primerja z vrednostjo takšnih izplačil v okviru predpostavk, na katerih temelji izračun najboljše ocene.
Simplifications in the standard formula
Poenostavitve v standardni formuli
Insurance and reinsurance undertakings may use a simplified calculation for a specific sub-module or risk module where the nature, scale and complexity of the risks they face justifies it and where it would be disproportionate to require all insurance and reinsurance undertakings to apply the standardised calculation.
Zavarovalnice in pozavarovalnice lahko uporabijo poenostavljen izračun za posamezen podmodul ali modul tveganja, če to utemeljuje narava, obseg ali zahtevnost tveganj, s katerimi se soočajo, in če bi bilo nesorazmerno zahtevati od vseh zavarovalnic in pozavarovalnic, da uporabijo standardizirani izračun.
Simplified calculations shall be calibrated in accordance with Article 101(3).
Poenostavljen izračun se kalibrira v skladu s členom 101(3).
Significant deviations from the assumptions underlying the standard formula calculation
Znatno odstopanje od predpostavk, ki so podlaga za izračun po standardni formuli
Where it is inappropriate to calculate the Solvency Capital Requirement in accordance with the standard formula, as set out in Subsection 2, because the risk profile of the insurance or reinsurance undertaking concerned deviates significantly from the assumptions underlying the standard formula calculation, the supervisory authorities may, by means of a decision stating the reasons, require the undertaking concerned to replace a subset of the parameters used in the standard formula calculation by parameters specific to that undertaking when calculating the life, non-life and health underwriting risk modules, as set out in Article 104(7).
Če zahtevanega solventnostnega kapitala ni primerno izračunati v skladu s standardno formulo iz pododdelka 2, ker profil tveganja zadevnih zavarovalniških ali pozavarovalniških podjetij močno odstopa od predpostavk, ki so bile osnova za izračun po standardni formuli, lahko nadzorni organ s sklepom, v katerem so navedeni razlogi, od zadevnih podjetij zahteva, da nadomestijo podskupino parametrov, uporabljenih pri izračunu po standardni formuli, s specifičnimi parametri za navedeno podjetje pri izračunu modulov tveganj iz pogodb življenjskega, neživljenjskega in zdravstvenega zavarovanja, kot je opredeljeno v členu 104(7).
Those specific parameters shall be calculated in such a way to ensure that the undertaking complies with Article 101(3).
Ti posebni parametri so izračunani tako, da se zagotovi, da podjetje izpolnjuje člen 101(3).
In order to ensure that the same treatment is applied to all insurance and reinsurance undertakings calculating the Solvency Capital Requirement on the basis of the standard formula, or to take account of market developments, the Commission shall adopt implementing measures providing for the following:
Komisija sprejme izvedbene ukrepe za zagotovitev enakovrednega obravnavanja vseh zavarovalnic in pozavarovalnic, ki izračunavajo zahtevani solventnostni kapital na podlagi standardne formule, ali za zagotovitev upoštevanja razvoja trga, ki določajo:
a standard formula in accordance with the provisions of Articles 101 and 103 to 109;
standardno formulo v skladu z določbami členov 101 in od 103 do 109;
any sub-modules necessary or covering more precisely the risks which fall under the respective risk modules referred to in Article 104 as well as any subsequent updates;
kakršne koli potrebne podmodule ali ki natančneje krijejo tveganja, ki spadajo v posamezne module tveganja iz člena 104 kot tudi morebitne kasnejše dopolnitve;
the methods, assumptions and standard parameters to be used when calculating each of the risk modules or sub-modules of the Basic Solvency Capital Requirement laid down in Articles 104, 105 and 304, the symmetric adjustment mechanism and the appropriate period of time, expressed in the number of months, as referred to in Article 106, and the appropriate approach for integrating the method referred to in Article 304 in the Solvency Capital Requirement as calculated in accordance with the standard formula;
metode, predpostavke in standardne parametre, ki bodo uporabljeni za izračun posameznih modulov tveganja ali podmodulov osnovnega zahtevanega solventnostnega kapitala iz členov 104, 105 in 304, mehanizem simetričnega prilagajanja in ustrezno časovno obdobje, izraženo v številu mesecev, kot je navedeno v členu 106, ter primeren pristop za vključevanje metode iz člena 304 pri zahtevanem solventnostnem kapitalu, kot je izračunan v skladu s standardno formulo;
the correlation parameters, including, if necessary, those set out in Annex IV, and the procedures for the updating of those parameters;
korelacijske parametre, če je potrebno tudi tiste iz Priloge IV, in postopke za posodobitev teh parametrov;
where insurance and reinsurance undertakings use risk-mitigation techniques, the methods and assumptions to be used to assess the changes in the risk profile of the undertaking concerned and to adjust the calculation of the Solvency Capital Requirement;
če zavarovalnice in pozavarovalnice uporabijo tehnike za ublažitev tveganja, metode in predpostavke, ki bodo uporabljene za oceno sprememb v profilu tveganj zadevnega podjetja in za prilagoditev izračuna zahtevanega solventnostnega kapitala;
the qualitative criteria that the risk-mitigation techniques referred to in point (e) must fulfil in order to ensure that the risk has been effectively transferred to a third party;
kakovostna merila, ki jih morajo izpolnjevati tehnike za oblažitev tveganja iz točke (d) za zagotovitev dejanskega prenosa tveganja na tretjo stranko;
the methods and parameters to be used when assessing the capital requirement for operational risk set out in Article 107, including the percentage referred to in paragraph 3 of Article 107;
metode in parametre, ki bodo uporabljeni za oceno zahtevanega kapitala za operativno tveganje iz člena 107, vključno z odstotkom iz odstavka 3 člena 107;
the methods and adjustments to be used to reflect the reduced scope for risk diversification of insurance and reinsurance undertakings related to ring-fenced funds;
metode in popravke, ki se uporabijo za odražanje zmanjšane možnosti za razpršitev tveganja zavarovalnic in pozavarovalnic v povezavi z namenskimi sredstvi;
the method to be used when calculating the adjustment for the loss-absorbing capacity of technical provisions or deferred taxes, as laid down in Article 108;
metodo, ki bo uporabljena za izračun prilagoditve zaradi absorbcijskih možnosti izgub zavarovalno-tehničnih rezervacij ali odloženih davkov iz člena 108;
the subset of standard parameters in the life, non-life and health underwriting risk modules that may be replaced by undertaking-specific parameters as set out in Article 104(7);
podskupino standardnih parametrov v modulih tveganj iz pogodb življenjskega, neživljenjskega in zdravstvenega zavarovanja, ki jo lahko nadomestijo parametri, specifični za posamezno podjetje, iz člena 104(7);
the standardised methods to be used by the insurance or reinsurance undertaking to calculate the undertaking-specific parameters referred to in point (j), and any criteria with respect to the completeness, accuracy, and appropriateness of the data used that must be met before supervisory approval is given;
standardizirane metode, ki jih bodo uporabile zavarovalnice in pozavarovalnice za izračun parametrov, specifičnih za posamezno podjetje, iz točke (j) in kakršna koli merila glede popolnosti, natančnosti in ustreznosti uporabljenih podatkov, ki jih je treba izpolnjevati, preden se izda nadzorna odobritev;
the simplified calculations provided for specific sub-modules and risk modules, as well as the criteria that insurance and reinsurance undertakings, including captive insurance and reinsurance undertakings, shall be required to fulfil in order to be entitled to use each of those simplifications, as set out in Article 109;
poenostavljene izračune, namenjene specifičnim podmodulom in modulom tveganja, kot tudi merila, ki jih morajo zavarovalnice in pozavarovalnice, vključno z lastnimi zavarovalnicami in pozavarovalnicami, izpolnjevati, da lahko uporabijo takšno poenostavitev, kot določa člen 109;
the approach to be used with respect to related undertakings within the meaning of Article 212 in the calculation of the Solvency Capital Requirement, in particular the calculation of the equity risk sub-module referred to in Article 105(5), taking into account the likely reduction in the volatility of the value of those related undertakings arising from the strategic nature of those investments and the influence exercised by the participating undertaking on those related undertakings.
pristop, ki bo uporabljen v povezavi s povezanimi podjetji v smislu člena 212 pri izračunu zahtevanega solventnostnega kapitala, zlasti pri izračunu podmodula tveganja lastniških vrednostnih papirjev iz člena 105(5), ob upoštevanju možnega zmanjšanja nestanovitosti vrednosti teh povezanih podjetij zaradi strateške narave teh naložb in vpliva, ki ga imajo udeležena podjetja na ta povezana podjetja.
The Commission may adopt implementing measures laying down quantitative limits and asset eligibility criteria in order to address risks which are not adequately covered by a sub-module.
Komisija lahko sprejme izvedbene ukrepe, ki določajo količinske omejitve in merila primernosti sredstev, za obravnavanje tveganj, ki niso ustrezno zajeta v podmodulu.
Such implementing measures shall apply to assets covering technical provisions, excluding assets held in respect of life insurance contracts where the investment risk is borne by the policy holders.
Takšni izvedbeni ukrepi se uporabljajo za sredstva, ki krijejo zavarovalno-tehnične rezervacije, ne pa za sredstva v zvezi z pogodbami življenjskega zavarovanja, če naložbeno tveganje nosijo imetniki polic.
Those measures shall be reviewed by the Commission in the light of developments in the standard formula and financial markets.
Te ukrepe bo pregledovala Komisija v povezavi z razvojem standardne formule in finančnih trgov.
Solvency capital requirement full and partial internal models
Zahtevani solventnostni kapital – popolni in delni notranji modeli
General provisions for the approval of full and partial internal models
Splošne določbe za odobritev popolnih in delnih notranjih modelov
Member States shall ensure that insurance or reinsurance undertakings may calculate the Solvency Capital Requirement using a full or partial internal model as approved by the supervisory authorities.
Države članice zagotovijo, da lahko zavarovalnice ali pozavarovalnice izračunajo zahtevani solventnostni kapital z uporabo popolnega ali delnega notranjega modela, kot so ga odobrili nadzorni organi
Insurance and reinsurance undertakings may use partial internal models for the calculation of one or more of the following:
Zavarovalnice in pozavarovalnice lahko uporabijo delne notranje modele za izračun enega ali več od naštetega:
one or more risk modules, or sub-modules, of the Basic Solvency Capital Requirement, as set out in Articles 104 and 105;
enega ali več modulov ali podmodulov tveganja osnovnega zahtevanega solventnostnega kapitala iz členov 104 in 105;
the capital requirement for operational risk as set out in Article 107;
zahtevanega kapitala za operativno tveganje, kot določa člen 107;
the adjustment referred to in Article 108.
prilagoditve iz člena 108.
In addition, partial modelling may be applied to the whole business of insurance and reinsurance undertakings, or only to one or more major business units.
Poleg tega se lahko delni model uporabi za celotno poslovanje zavarovalnic in pozavarovalnic ali le za eno ali več večjih poslovnih enot.
In any application for approval, insurance and reinsurance undertakings shall submit, as a minimum, documentary evidence that the internal model fulfils the requirements set out in Articles 120 to 125.
Zavarovalnice in pozavarovalnice v kakršni koli vlogi za odobritev predložijo najmanj dokumentarno dokazilo, da notranji model izpolnjuje zahteve iz členov 120 do 125.
Where the application for that approval relates to a partial internal model, the requirements set out in Articles 120 to 125 shall be adapted to take account of the limited scope of the application of the model.
Če se vloga za to odobritev nanaša na delni notranji model, se zahteve iz členov 120 do 125 prilagodijo, tako da upoštevajo omejen obseg uporabe modela.
The supervisory authorities shall decide on the application within six months from the receipt of the complete application.
Nadzorni organi odločijo o vlogi v šestih mesecih od prejema popolne vloge.
Supervisory authorities shall give approval to the application only if they are satisfied that the systems of the insurance or reinsurance undertaking for identifying, measuring, monitoring, managing and reporting risk are adequate and in particular, that the internal model fulfils the requirements referred to in paragraph 3.
Nadzorni organi vlogo odobrijo le, če so prepričani, da so sistemi za ugotavljanje, merjenje, spremljanje, obvladovanje in poročanje o tveganjih zavarovalnice ali pozavarovalnice ustrezni in zlasti, da notranji model izpolnjuje zahteve iz odstavka 3.
A decision by the supervisory authorities to reject the application for the use of an internal model shall state the reasons on which it is based.
V sklepu nadzornih organov za zavrnitev vloge za uporabo notranjega modela so navedeni razlogi za zavrnitev.
After having received approval from supervisory authorities to use an internal model, insurance and reinsurance undertakings may, by means of a decision stating the reasons, be required to provide supervisory authorities with an estimate of the Solvency Capital Requirement determined in accordance with the standard formula, as set out in Subsection 2.
Od zavarovalnic in pozavarovalnic se s sklepom, v katerem so navedeni razlogi, lahko zahteva, da nadzornim organom zagotovijo izračun zahtevanega solventnostnega kapitala, določenega v skladu s standardno formulo iz pododdelka 2, po prejemu odobritve s strani nadzornih organov za uporabo notranjega modela.
Specific provisions for the approval of partial internal models
Posebne določbe za odobritev delnih notranjih modelov
In the case of a partial internal model, supervisory approval shall be given only where that model fulfils the requirements set out in Article 112 and the following additional conditions:
V primeru delnih notranjih modelov se nadzorna odobritev dodeli le, če je ta model v skladu z zahtevami iz člena 112 in naslednjimi dodatnimi pogoji:
the reason for the limited scope of application of the model is properly justified by the undertaking;
razlog za omejen obseg uporabe modela je ustrezno utemeljen s strani podjetja;
the resulting Solvency Capital Requirement reflects more appropriately the risk profile of the undertaking and in particular complies with the principles set out in Subsection 1;
posledični zahtevani solventnostni kapital bolj ustrezno upošteva profil tveganj podjetja in zlasti izpolnjuje načela iz pododdelka 1;
its design is consistent with the principles set out in Subsection 1 so as to allow the partial internal model to be fully integrated into the Solvency Capital Requirement standard formula.
njegova oblika je skladna z načeli iz pododstavka 1, tako da omogoča polno integracijo delnega notranjega modela v standardno formulo zahtevanega solventnostnega kapitala.
When assessing an application for the use of a partial internal model which only covers certain sub-modules of a specific risk module, or some of the business units of an insurance or reinsurance undertaking with respect to a specific risk module, or parts of both, supervisory authorities may require the insurance and reinsurance undertakings concerned to submit a realistic transitional plan to extend the scope of the model.
Pri oceni vloge za uporabo delnega notranjega modela, ki pokriva le nekatere podmodule specifičnega modula tveganja ali nekatere poslovne enote zavarovalnice ali pozavarovalnice glede na specifični modul tveganja ali dele obeh, lahko nadzorni organi od zadevnih zavarovalnic in pozavarovalnic zahtevajo, da predložijo realni prehodni načrt za razširitev področja uporabe modela.
The transitional plan shall set out the manner in which insurance and reinsurance undertakings plan to extend the scope of the model to other sub-modules or business units, in order to ensure that the model covers a predominant part of their insurance operations with respect to that specific risk module.
Prehodni načrt določa način, na katerega nameravajo zavarovalnice in pozavarovalnice razširiti področje uporabe modela na druge podmodule ali poslovne enote, da zagotovijo, da model pokriva prevladujoči del njihovih zavarovalnih poslov glede na ta specifični modul tveganja.
The Commission shall adopt implementing measures setting out the following:
Komisija sprejme izvedbene ukrepe, ki določajo:
the procedure to be followed for the approval of an internal model;
postopek za odobritev notranjega modela, ki ga je treba upoštevati;
the adaptations to be made to the standards set out in Articles 120 to 125 in order to take account of the limited scope of the application of the partial internal model.
prilagoditve, ki jih je treba narediti pri standardih iz členov 120 do 125, da se upošteva omejeno področje uporabe delnega notranjega modela.
Policy for changing the full and partial internal models
Politika glede menjave popolnih in delnih notranjih modelov
As part of the initial approval process of an internal model, the supervisory authorities shall approve the policy for changing the model of the insurance or reinsurance undertaking.
V začetnem postopku odobritve notranjega modela nadzorni organi odobrijo politiko glede menjave modela zavarovalnice ali pozavarovalnice.
Insurance and reinsurance undertakings may change their internal model in accordance with that policy.
Zavarovalnice in pozavarovalnice lahko spremenijo svoj notranji model v skladu s to politiko.
The policy shall include a specification of minor and major changes to the internal model.
Politika vključuje specifikacijo manjših in večjih sprememb notranjega modela
Major changes to the internal model, as well as changes to that policy, shall always be subject to prior supervisory approval, as laid down in Article 112.
Večje spremembe notranjega modela in spremembe te politike so vedno predmet predhodne nadzorne odobritve iz člena 112.
Minor changes to the internal model shall not be subject to prior supervisory approval, insofar as they are developed in accordance with that policy.
Manjše spremembe notranjega modela niso predmet predhodne nadzorne odobritve, pod pogojem da so uvedene v skladu s to politiko.
Responsibilities of the administrative, management or supervisory bodies
Odgovornosti upravnih, upravljalnih ali nadzornih organov
The administrative, management or supervisory bodies of the insurance and reinsurance undertakings shall approve the application to the supervisory authorities for approval of the internal model referred to in Article 112, as well as the application for approval of any subsequent major changes made to that model.
Upravni, upravljalni ali nadzorni organi zavarovalnic in pozavarovalnic odobrijo vlogo, predloženo nadzornim organom za odobritev notranjega modela iz člena 112, kot tudi vlogo za odobritev kakršnih koli nadaljnjih večjih sprememb tega modela.
The administrative, management or supervisory body shall have responsibility for putting in place systems which ensure that the internal model operates properly on a continuous basis.
Upravni, upravljalni ali nadzorni organi so odgovorni za vzpostavitev sistemov, ki zagotavljajo stalno in pravilno delovanje notranjega modela.
Reversion to the standard formula
Vračanje na standardno formulo
After having received approval in accordance with Article 112, insurance and reinsurance undertakings shall not revert to calculating the whole or any part of the Solvency Capital Requirement in accordance with the standard formula, as set out in Subsection 2, except in duly justified circumstances and subject to the approval of the supervisory authorities.
Po prejetju odobritve v skladu s členom 112 se zavarovalnice in pozavarovalnice ne vračajo na izračun celotnega ali kakršnega koli dela zahtevanega solventnostnega kapitala v skladu s standardno formulo iz pododdelka 2, razen v ustrezno utemeljenih okoliščinah in le pod pogojem, da nadzorni organi to odobrijo.
Non-compliance of the internal model
Neskladnost notranjega modela
If, after having received approval from the supervisory authorities to use an internal model, insurance and reinsurance undertakings cease to comply with the requirements set out in Articles 120 to 125, they shall, without delay, either present to the supervisory authorities a plan to restore compliance within a reasonable period of time, or demonstrate that the effect of non-compliance is immaterial.
Če po prejeti odobritvi nadzornih organov za uporabo notranjega modela zavarovalnice in pozavarovalnice prenehajo izpolnjevati zahteve iz členov 120 do 125, nemudoma predstavijo nadzornim organom načrt za povrnitev skladnosti v razumnem roku ali dokažejo, da je učinek neskladnosti nepomemben.
In the event that insurance and reinsurance undertakings fail to implement the plan referred to in paragraph 1, the supervisory authorities may require insurance and reinsurance undertakings to revert to calculating the Solvency Capital Requirement in accordance with the standard formula, as set out in Subsection 2.
V primeru da zavarovalnice in pozavarovalnice ne izvedejo načrta iz odstavka 1, nadzorni organi lahko od zavarovalnic in pozavarovalnic zahtevajo, da se povrnejo na izračun zahtevanega solventnostnega kapitala v skladu s standardno formulo iz pododdelka 2.