natgillin/translations-raw huggingface dataset:
Member States shall ensure that insurance and reinsurance undertakings invest all their assets in accordance with the prudent person principle, as specified in paragraphs 2, 3 and 4.
Države članice zagotovijo, da zavarovalnice in pozavarovalnice vlagajo vsa svoja sredstva v skladu z načelom preudarne osebe, kot določajo odstavki 2, 3 in 4.
With respect to the whole portfolio of assets, insurance and reinsurance undertakings shall only invest in assets and instruments whose risks the undertaking concerned can properly identify, measure, monitor, manage, control and report, and appropriately take into account in the assessment of its overall solvency needs in accordance with point (a) of the second subparagraph of Article 45(1).
Glede na celotni portfelj sredstev zavarovalnice in pozavarovalnice vlagajo le v sredstva in instrumente, katerih tveganje lahko zadevno podjetje opredeli, izmeri, spremlja, upravlja, nadzira in o njem poroča ter po potrebi upošteva pri oceni svojih splošnih solventnih potreb v skladu s točko (a) drugega pododstavka člena 45(1).
All assets, in particular those covering the Minimum Capital Requirement and the Solvency Capital Requirement, shall be invested in such a manner as to ensure the security, quality, liquidity and profitability of the portfolio as a whole.
Vsa sredstva, zlasti tista, ki krijejo zahtevani minimalni in solventnostni kapital, se vlagajo na način, ki zagotavlja varnost, kakovost, likvidnost in donosnost celotnega portfelja.
In addition the localisation of those assets shall be such as to ensure their availability.
Poleg tega se lokalizacija teh sredstev izvede tako, da se zagotovi njihova razpoložljivost.
Assets held to cover the technical provisions shall also be invested in a manner appropriate to the nature and duration of the insurance and reinsurance liabilities.
Sredstva za kritje zavarovalno-tehničnih rezervacij se prav tako vlagajo na način, ki ustreza naravi in trajanju zavarovalnih in pozavarovalnih obveznosti.
Those assets shall be invested in the best interest of all policy holders and beneficiaries taking into account any disclosed policy objective.
Ta sredstva se vlagajo v interesu vseh imetnikov polic in upravičencev, ob upoštevanju vseh razkritih političnih ciljev.
In the case of a conflict of interest, insurance undertakings, or the entity which manages their asset portfolio, shall ensure that the investment is made in the best interest of policy holders and beneficiaries.
V primeru navzkrižja interesov zavarovalnice ali subjekt, ki upravlja njihov portfelj sredstev, zagotovijo, da je naložba opravljena v interesu imetnikov polic in upravičencev.
Without prejudice to paragraph 2, with respect to assets held in respect of life insurance contracts where the investment risk is borne by the policy holders, the second, third and fourth subparagraphs of this paragraph shall apply.
Brez poseganja v odstavek 2, se za sredstva v zvezi s pogodbami o življenjskem zavarovanju, pri katerih naložbeno tveganje nosijo imetniki polic, uporabljajo drugi, tretji in četrti pododstavek tega odstavka.
Where the benefits provided by a contract are directly linked to the value of units in an UCITS as defined in Directive 85/611/EEC, or to the value of assets contained in an internal fund held by the insurance undertakings, usually divided into units, the technical provisions in respect of those benefits must be represented as closely as possible by those units or, in the case where units are not established, by those assets.
Če so v pogodbi predvidena upravičenja neposredno povezana z vrednostjo enot v KNPVP, kot je določeno v Direktivi 85/611/EGS, ali z vrednostjo naložb v notranjem skladu, ki ga imajo zavarovalnice in je običajno razdeljen v enote, morajo biti zavarovalno-tehnične rezervacije glede teh upravičenj čim tesneje povezane s temi enotami ali, v primerih, ko enote niso oblikovane, s temi naložbami.
Where the benefits provided by a contract are directly linked to a share index or some other reference value other than those referred to in the second subparagraph, the technical provisions in respect of those benefits must be represented as closely as possible either by the units deemed to represent the reference value or, in the case where units are not established, by assets of appropriate security and marketability which correspond as closely as possible with those on which the particular reference value is based.
Če so v pogodbi predvidena upravičenja neposredno povezana z borznim indeksom ali drugo referenčno vrednostjo razen tistih iz drugega pododstavka, morajo biti zavarovalno-tehnične rezervacije glede teh upravičenj čim tesneje povezane bodisi z enotami, za katere se šteje, da predstavljajo referenčno vrednost, bodisi, v primeru ko enote niso oblikovane, z naložbami ustrezne varnosti in tržnosti, ki so čim tesneje povezane z naložbami, na katerih temelji določena referenčna vrednost.
Where the benefits referred to in the second and third subparagraphs include a guarantee of investment performance or some other guaranteed benefit, the assets held to cover the corresponding additional technical provisions shall be subject to paragraph 4.
Kadar upravičenja iz drugega in tretjega pododstavka vključujejo jamstvo za uspešno izvedbo naložbe ali druge garantirane prejemke, se za sredstva za kritje ustreznih dodatnih zavarovalno-tehničnih rezervacij uporablja odstavek 4.
Without prejudice to paragraph 2, with respect to assets other than those covered by paragraph 3, the second to fifth subparagraphs of this paragraph shall apply.
Brez poseganja v odstavek 2, se za sredstva, ki jih ne zajema odstavek 3, uporabljajo drugi do peti pododstavek tega odstavka.
The use of derivative instruments shall be possible insofar as they contribute to a reduction of risks or facilitate efficient portfolio management.
Uporaba izvedenih instrumentov je mogoča, če prispevajo k zmanjšanju tveganj ali olajšajo učinkovito upravljanje portfelja.
Investment and assets which are not admitted to trading on a regulated financial market shall be kept to prudent levels.
Naložbe in sredstva, ki niso sprejeta v trgovanje na urejenem finančnem trgu, se zadrži na preudarni ravni.
Assets shall be properly diversified in such a way as to avoid excessive reliance on any particular asset, issuer or group of undertakings, or geographical area and excessive accumulation of risk in the portfolio as a whole.
Sredstva so primerno razpršena na način, ki preprečuje pretirano zanašanje na katero koli sredstvo, izdajatelja ali skupino podjetij ali geografsko območje in pretirano kopičenje tveganj v portfelju kot celoti.
Investments in assets issued by the same issuer, or by issuers belonging to the same group, shall not expose the insurance undertakings to excessive risk concentration.
Naložbe v sredstva, ki jih izda isti izdajatelj ali izdajatelji, ki pripadajo isti skupini, ne smejo izpostaviti podjetja pretiranemu tveganju.
Freedom of investment
Svoboda naložb
Member States shall not require insurance and reinsurance undertakings to invest in particular categories of asset.
Države članice od zavarovalnic in pozavarovalnic ne zahtevajo, da vlagajo v določene kategorije naložb.
Member States shall not subject the investment decisions of an insurance or reinsurance undertaking or its investment manager to any kind of prior approval or systematic notification requirements.
Države članice ne pogojujejo naložbenih odločitev zavarovalnice ali pozavarovalnice ali njenega naložbenega upravitelja s kakršno koli predhodno odobritvijo ali zahtevo po sistemskem obveščanju.
This Article is without prejudice to Member States’ requirements restricting the types of assets or reference values to which policy benefits may be linked.
Ta člen ne posega v zahteve držav članic, ki omejujejo vrste sredstev ali referenčne vrednosti, na katere so lahko vezane ugodnosti iz zavarovalnih polic.
Any such rules shall be applied only where the investment risk is borne by a policy holder who is a natural person and shall not be more restrictive than those set out in the Directive 85/611/EEC.
Vsa takšna pravila se uporabljajo samo v primeru, če naložbeno tveganje nosi imetnik police, ki je fizična oseba; pravila ne smejo biti bolj omejujoča kot tista iz direktive 85/611/EGS.
Localisation of assets and prohibition of pledging of assets
Lokalizacija sredstev in prepoved zastavitve sredstev
With respect to insurance risks situated in the Community, Member States shall not require that the assets held to cover the technical provisions related to those risks are localised within the Community or in any particular Member States.
Glede zavarovalnih tveganj, ki se nahajajo v Skupnosti, države članice ne zahtevajo, da se sredstva za kritje zavarovalno-tehničnih rezervacij, povezanih s temi tveganji, nahajajo znotraj Skupnosti ali v določenih državah članicah.
In addition, with respect to recoverables from reinsurance contracts against undertakings authorised in accordance with this Directive or which have their head office in a third country whose solvency regime is deemed to be equivalent in accordance with Article 172, Member States shall not require the localisation within the Community of the assets representing those recoverables.
Kar zadeva izterljive zneske iz pozavarovalnih pogodb proti podjetjem, ki so pridobila dovoljenje v skladu s to direktivo ali ki imajo sedež v tretji državi, katere režim solventnosti se šteje za enakovrednega v skladu s členom 172, države članice prav tako ne zahtevajo lokalizacije sredstev, ki pokrivajo te izterljive zneske, znotraj Skupnosti.
Member States shall not retain or introduce for the establishment of technical provisions a system with gross reserving which requires pledging of assets to cover unearned premiums and outstanding claims provisions where the reinsurer is an insurance or reinsurance undertaking authorised in accordance with this Directive.
Države članice za oblikovanje zavarovalno-tehničnih rezervacij ne smejo obdržati ali uvesti sistema z bruto pridržanjem, ki zahteva zastavitev sredstev za kritje prenosnih premij in škodnih rezervacij, če je pozavarovatelj zavarovalnica ali pozavarovalnica, ki je pridobila dovoljenje v skladu s to direktivo.
In order to ensure the uniform application of this Directive, the Commission may adopt implementing measures specifying qualitative requirements in the following areas:
Da zagotovi enotno uporabo te direktive, lahko Komisija sprejme izvedbene ukrepe, ki določajo kvalitativne zahteve na naslednjih področjih:
the identification, measurement, monitoring, managing and reporting of risks arising from investments in relation to the first subparagraph of Article 132(2);
opredelitev, meritev, nadzor in upravljanje tveganj ter poročanje o tveganjih, ki izhajajo iz naložb v povezavi s prvim pododstavkom člena 132(2);
the identification, measurement monitoring, managing and reporting of specific risks arising from investment in derivative instruments and assets referred to in the second subparagraph of Article 132(4).
opredelitev, meritev, nadzor in upravljanje tveganj ter poročanje o posebnih tveganjih, ki izhajajo iz naložb v izvedene instrumente in sredstva iz drugega pododstavka člena 132(4).
In order to ensure cross-sectoral consistency and to remove misalignment between the interests of firms that ‘repackage’ loans into tradable securities and other financial instruments (originators) and the interests of insurance or reinsurance undertakings that invest in such securities or instruments, the Commission shall adopt implementing measures laying down:
Da bi zagotovili medsektorsko skladnost in uskladili interese podjetij, ki so posojila preoblikovala v prenosne vrednostne papirje in druge finančne instrumente (originatorji) ter interese zavarovalnic in pozavarovalnic, ki vlagajo v takšne vrednostne papirje ali instrumente, Komisija sprejme izvedbene ukrepe, ki določajo:
the requirements that need to be met by the originator in order for an insurance or reinsurance undertaking to be allowed to invest in such securities or instruments issued after 1 January 2011, including requirements that ensure that the originator retains a net economic interest of no less than 5 %;
zahteve, ki jih mora izpolniti originator, da lahko zavarovalnica ali pozavarovalnica vlaga v vrednostne papirje ali instrumente te vrste, izdane po 1. januarju 2011, vključno z zahtevami, ki zagotavljajo, da originator zadrži neto delež v višini vsaj 5 %;
qualitative requirements that must be met by insurance or reinsurance undertakings that invest in such securities or instruments.
kvalitativne zahteve, ki jih morajo izpolniti zavarovalnice ali pozavarovalnice, ki vlagajo v takšne vrednostne papirje ali instrumente.
Insurance and reinsurance undertakings in difficulty or in an irregular situation
Zavarovalnice in pozavarovalnice v težavah ali v stanju nepravilnosti
Identification and notification of deteriorating financial conditions by the insurance and reinsurance undertaking
Identificiranje in obveščanje o poslabšanju finančnega stanja zavarovalnice in pozavarovalnice
Insurance and reinsurance undertakings shall have procedures in place to identify deteriorating financial conditions and shall immediately notify the supervisory authorities when such deterioration occurs.
Zavarovalnice in pozavarovalnice imajo na voljo postopke za identificiranje poslabšanja finančnega položaja in nemudoma obvestijo nadzorne organe, ko pride do takšnega poslabšanja.
Article 137
ČLEN 137
Non-Compliance with technical provisions
Neskladnost z zavarovalno-tehničnimi rezervacijami
Where an insurance or reinsurance undertaking does not comply with Chapter VI, Section 2, the supervisory authorities of its home Member State may prohibit the free disposal of its assets after having communicated their intentions to the supervisory authorities of the host Member States.
Če zavarovalnica ali pozavarovalnica ne ravna v skladu z oddelkom 2 poglavja VI, lahko nadzorni organi njene domače države članice prepovejo prosto razpolaganje s sredstvi, potem ko so svoje namene sporočili nadzornim organom držav članic gostiteljic.
The supervisory authorities of the home Member State shall designate the assets to be covered by such measures.
Nadzorni organi matične države članice določijo sredstva, ki jih bodo takšni ukrepi zajemali.
Non-Compliance with the Solvency Capital Requirement
Neskladnost z zahtevanim solventnostnim kapitalom
Insurance and reinsurance undertakings shall immediately inform the supervisory authority as soon as they observe that the Solvency Capital Requirement is no longer complied with, or where there is a risk of non-compliance in the following three months.
Zavarovalnice in pozavarovalnice nemudoma obvestijo nadzorne organe, ko ugotovijo, da zahtevani solventnostni kapital ni več ustrezen, ali če obstaja tveganje neskladnosti v naslednjih treh mesecih.
Within two months from the observation of non-compliance with the Solvency Capital Requirement the insurance or reinsurance undertaking concerned shall submit a realistic recovery plan for approval by the supervisory authority.
V dveh mesecih od ugotovitve neskladnosti z zahtevanim solventnostnim kapitalom zadevna zavarovalnica ali pozavarovalnica predloži nadzornemu organu v odobritev realni sanacijski načrt.
The supervisory authority shall require the insurance or reinsurance undertaking concerned to take the necessary measures to achieve, within six months from the observation of non-compliance with the Solvency Capital Requirement, the re-establishment of the level of eligible own funds covering the Solvency Capital Requirement or the reduction of its risk profile to ensure compliance with the Solvency Capital Requirement.
Nadzorni organ od zadevne zavarovalnice ali pozavarovalnice zahteva, da sprejme potrebne ukrepe, da v šestih mesecih od ugotovitve neskladnosti z zahtevanim solventnostnim kapitalom ponovno vzpostavi raven primernih lastnih sredstev za kritje zahtevanega solventnostnega kapitala ali da zmanjša svoj profil tveganj, da zagotovi skladnost z zahtevanim solventnostnim kapitalom.
The supervisory authority may, if appropriate, extend that period by three months.
Nadzorni organ lahko to obdobje podaljša za tri mesece, če je ustrezno.
In the event of an exceptional fall in financial markets, the supervisory authority may extend the period set out in the second subparagraph of paragraph 3 by an appropriate period of time taking into account all relevant factors.
V primeru izjemnega padca na finančnih trgih lahko nadzorni organ podaljša obdobje iz drugega pododstavka odstavka 3 za ustrezno časovno obdobje, ob upoštevanju vseh relevantnih dejavnikov.
The insurance or reinsurance undertaking concerned shall, every three months, submit a progress report to its supervisory authority setting out the measures taken and the progress made to re-establish the level of eligible own funds covering the Solvency Capital Requirement or to reduce the risk profile to ensure compliance with the Solvency Capital Requirement.
Zadevna zavarovalnica ali pozavarovalnica svojemu nadzornemu organu vsake 3 mesece predloži poročilo o napredku, v katerem opredeli sprejete ukrepe in napredek pri ponovni vzpostavitvi primernih lastnih sredstev za kritje zahtevanega solventnostnega kapitala ali zmanjšanje profila tveganja z namenom izpolnitve zahteve po solventnostnem kapitalu.
The extension referred to in the first subparagraph shall be withdrawn where that progress report shows that there was no significant progress in achieving the re-establishment of the level of eligible own funds covering the Solvency Capital Requirement or the reduction of the risk profile to ensure compliance with the Solvency Capital Requirement between the date of the observation of non-compliance of the Solvency Capital Requirement and the date of the submission of the progress report.
Podaljšanje obdobja iz prvega pododstavka se ukine, če je iz poročila o napredku razvidno, da ni bistvenega napredka pri ponovni vzpostavitvi primernih lastnih sredstev za kritje zahtevanega solventnostnega kapitala ali zmanjšanju profila tveganja z namenom izpolnitve zahteve po solventnostnem kapitalu od datuma, ko je bilo ugotovljeno, da zahteva po solventnostnem kapitalu ni izpolnjena do datuma predložitve poročila o napredku.
In exceptional circumstances, where the supervisory authority is of the opinion that the financial situation of the undertaking concerned will deteriorate further, it may also restrict or prohibit the free disposal of the assets of that undertaking.
Če nazorni organ meni, da se bo finančno stanje zadevnega podjetja še naprej slabšalo, v izjemnih okoliščinah lahko tudi omeji ali prepove prosto razpolaganje s sredstvi tega podjetja.
That supervisory authority shall inform the supervisory authorities of the host Member States of any measures it has taken.
Nadzorni organ obvesti nadzorne organe držav članic gostiteljic o vseh sprejetih ukrepih.
Those authorities shall, at the request of the supervisory authority of the home Member State, take the same measures.
Ti organi na zahtevo nadzornega organa matične države članice sprejmejo enake ukrepe.
The supervisory authority of the home Member State shall designate the assets to be covered by such measures.
Nadzorni organ matične države članice določi sredstva, ki jih bodo takšni ukrepi zajemali.
Non-Compliance with the Minimum Capital Requirement
Neskladnost z zahtevanim minimalnim kapitalom
Insurance and reinsurance undertakings shall inform the supervisory authority immediately where they observe that the Minimum Capital Requirement is no longer complied with or where there is a risk of non-compliance in the following three months.
Zavarovalnice in pozavarovalnice obvestijo nadzorne organe takoj, ko ugotovijo, da zahtevani minimalni kapital ni več ustrezen, ali če obstaja tveganje neskladnosti v naslednjih treh mesecih.
Within one month from the observation of non-compliance with the Minimum Capital Requirement, the insurance or reinsurance undertaking concerned shall submit, for approval by the supervisory authority, a short-term realistic finance scheme to restore, within three months of that observation, the eligible basic own funds, at least to the level of the Minimum Capital Requirement or to reduce its risk profile to ensure compliance with the Minimum Capital Requirement.
V enem mesecu od ugotovitve neskladnosti z zahtevanim minimalnim kapitalom zadevna zavarovalnica ali pozavarovalnica predloži nadzornemu organu v odobritev kratkoročni realni finančni načrt za povrnitev, v roku treh mesecev od takšne ugotovitve, primernih osnovnih lastnih sredstev najmanj na raven zahtevanega minimalnega kapitala ali za zmanjšanje svojega profila tveganj, da zagotovi skladnost z zahtevanim minimalnim kapitalom.
The supervisory authority of the home Member State may also restrict or prohibit the free disposal of the assets of the insurance or reinsurance undertaking.
Nadzorni organ matične države članice lahko tudi omeji ali prepove prosto razpolaganje s sredstvi zavarovalnice ali pozavarovalnice.
It shall inform the supervisory authorities of the host Member States accordingly.
Nadzorne organe držav članic gostiteljic obvesti o vseh ukrepih.
At the request of the supervisory authority of the home Member State, those authorities shall, take the same measures.
Ti organi na zahtevo nadzornega organa matične države članice sprejmejo enake ukrepe.
Prohibition of free disposal of assets located within the territory of a Member State
Prepoved prostega razpolaganja s sredstvi na ozemlju države članice
Member States shall take the measures necessary to be able, in accordance with national law, to prohibit the free disposal of assets located within their territory at the request, in the cases provided for in Articles 137 to 139 and Article 144(2) of the undertaking’s home Member State, which shall designate the assets to be covered by such measures.
Države članice sprejmejo ukrepe, ki so potrebni, da lahko v skladu z nacionalno zakonodajo prepovejo prosto razpolaganje s sredstvi na njihovem ozemlju v primerih, predvidenih v členih 137 do 139 in členu 144(2), na zahtevo matične države članice podjetja, ki določi sredstva, ki naj jih zajamejo ti ukrepi.
Article 141
ČLEN 141
Supervisory powers in deteriorating financial conditions
Nadzorna pooblastila v primeru poslabšanja finančnega položaja
Notwithstanding Articles 138 and 139, where the solvency position of the undertaking continues to deteriorate, the supervisory authorities shall have the power to take all measures necessary to safeguard the interests of policy holders in the case of insurance contracts, or the obligations arising out of reinsurance contracts.
Ne glede na člena 138 in 139 imajo nadzorni organi v primeru nadaljnjega slabšanja solventnega položaja pooblastila, da sprejmejo vse potrebne ukrepe za zaščito interesov imetnikov polic v primeru zavarovalnih pogodb ali obveznosti, ki izhajajo iz pozavarovalnih pogodb.
Those measures shall be proportionate and thus reflect the level and duration of the deterioration of the solvency position of the insurance or reinsurance undertaking concerned.
Ti ukrepi so sorazmerni in tako odražajo stopnjo in trajanje slabšanja solventnega položaja zadevne zavarovalnice ali pozavarovalnice.
Recovery plan and finance scheme
Sanacijski in finančni načrt
The recovery plan referred to in Article 138(2) and the finance scheme referred to in Article 139(2) shall, at least include particulars or evidence concerning the following:
Sanacijski načrt iz člena 138(2) in finančni načrt iz člena 139(2) vsebujeta najmanj podrobnosti ali dokaze glede:
estimates of management expenses, in particular current general expenses and commissions;
ocen stroškov upravljanja, zlasti tekočih splošnih stroškov in provizije;
estimates of income and expenditure in respect of direct business, reinsurance acceptances and reinsurance cessions;
ocene prihodkov in odhodkov v zvezi z neposrednim poslovanjem, sprejemi obveznosti pozavarovanja in odstopi pozavarovanja;
estimates of the financial resources intended to cover the technical provisions and the Solvency Capital Requirement and the Minimum Capital Requirement;
ocen finančnih sredstev, namenjenih za kritje zavarovalno-tehničnih rezervacij, zahtevanega solventnostnega kapitala in zahtevanega minimalnega kapitala.