natgillin/translations-raw huggingface dataset:
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 use an internal model to calculate the Solvency Capital Requirement, or the relevant risk modules thereof.
Če zahtevani solventnostni kapital ni ustrezno računati v skladu s standardno formulo iz pododdelka 2, ker profil tveganja zavarovalniških ali pozavarovalniških podjetij močno odstopa od predpostavk, ki so bile osnova za izračun po standardni formuli, lahko nadzorni organ s sklepom, v katerem navede razloge, od zadevnih podjetij zahteva, da uporabijo notranji model za izračun zahtevanega solventnostnega kapitala ali njegove ustrezne module tveganja.
Insurance and reinsurance undertakings shall demonstrate that the internal model is widely used in and plays an important role in their system of governance, referred to in Articles 41 to 50, in particular:
Zavarovalnice in pozavarovalnice dokažejo, da se notranji model široko uporablja in ima pomembno vlogo pri njihovem sistemu upravljanja iz členov od 41 do 50, zlasti pri
their risk-management system as laid down in Article 44 and their decision-making processes;
njihovem sistemu upravljanja tveganj iz člena 44 in njihovih procesih odločanja;
their economic and solvency capital assessment and allocation processes, including the assessment referred to in Article 45.
njihovi ekonomski in solventnostni oceni kapitala in procesih dodeljevanja, vključno z oceno iz člena 45.
In addition, insurance and reinsurance undertakings shall demonstrate that the frequency of calculation of the Solvency Capital Requirement using the internal model is consistent with the frequency with which they use their internal model for the other purposes covered by the first paragraph.
Poleg tega zavarovalnice in pozavarovalnice dokažejo, da je pogostost izračuna zahtevanega solventnostnega kapitala z uporabo notranjega modela skladna s pogostostjo, s katero uporabljajo svoj notranji model za druge namene iz prvega odstavka.
The administrative, management or supervisory body shall be responsible for ensuring the ongoing appropriateness of the design and operations of the internal model, and that the internal model continues to appropriately reflect the risk profile of the insurance and reinsurance undertakings concerned.
Upravni, upravljalni ali nadzorni organi so odgovorni za zagotovitev stalne ustreznosti oblike in delovanja notranjega modela in da notranji model stalno ustrezno odraža profil tveganj zadevnih zavarovalnic in pozavarovalnic.
Statistical quality standards
Standardi za statistično kakovost
The internal model, and in particular the calculation of the probability distribution forecast underlying it, shall comply with the criteria set out in paragraphs 2 to 9.
Notranji model in zlasti izračun napovedi v obliki verjetnostne porazdelitve, na kateri model temelji, mora izpolnjevati merila iz odstavkov 2 do 9.
The methods used to calculate the probability distribution forecast shall be based on adequate, applicable and relevant actuarial and statistical techniques and shall be consistent with the methods used to calculate technical provisions.
Metode, uporabljene za izračun napovedi v obliki verjetnostne porazdelitve, temeljijo na ustreznih, veljavnih in ustreznih aktuarskih in statističnih tehnikah in so skladne z metodami, uporabljenimi za izračun zavarovalno-tehničnih rezervacij.
The methods used to calculate the probability distribution forecast shall be based upon current and credible information and realistic assumptions.
Metode, uporabljene za izračun napovedi v obliki verjetnostne porazdelitve, temeljijo na tekočih in verodostojnih informacijah ter realnih predpostavkah.
Insurance and reinsurance undertakings shall be able to justify the assumptions underlying their internal model to the supervisory authorities.
Zavarovalnice in pozavarovalnice morajo biti sposobne nadzornim organom utemeljiti predpostavke, ki so osnova za njihov notranji model.
Data used for the internal model shall be accurate, complete and appropriate.
Podatki, uporabljeni za notranji model, so natančni, popolni in ustrezni.
Insurance and reinsurance undertakings shall update the data sets used in the calculation of the probability distribution forecast at least annually.
Zavarovalnice in pozavarovalnice vsaj letno posodobijo skupine podatkov, uporabljenih pri izračunu napovedi v obliki verjetnostne porazdelitve.
No particular method for the calculation of the probability distribution forecast shall be prescribed.
Za izračun napovedi v obliki verjetnostne porazdelitve ni predpisana posebna metoda.
Regardless of the calculation method chosen, the ability of the internal model to rank risk shall be sufficient to ensure that it is widely used in and plays an important role in the system of governance of insurance and reinsurance undertakings, in particular their risk-management system and decision-making processes, and capital allocation in accordance with Article 120.
Ne glede na izbrano metodo izračuna bo sposobnost notranjega modela za razvrstitev tveganj dovolj za zagotovitev, da je v široki uporabi in da ima pomembno vlogo v sistemu upravljanja zavarovalnic in pozavarovalnic, zlasti v njihovem sistemu za upravljanje tveganj in procesih odločanja ter pri dodeljevanju kapitala v skladu s členom 120.
The internal model shall cover all of the material risks to which insurance and reinsurance undertakings are exposed.
Notranji model zajema vsa materialna tveganja, katerim so zavarovalnice in pozavarovalnice izpostavljene.
Internal models shall cover at least the risks set out in Article 101(4).
Notranji modeli zajemajo vsaj tveganja iz člena 101(4).
As regards diversification effects, insurance and reinsurance undertakings may take account in their internal model of dependencies within and across risk categories, provided that supervisory authorities are satisfied that the system used for measuring those diversification effects is adequate.
Kar zadeva učinke razpršenosti, lahko zavarovalnice in pozavarovalnice v svojem notranjem modelu upoštevajo odvisnosti v kategorijah tveganja in med njimi, pod pogojem da se nadzorni organi prepričajo, da je uporabljeni sistem za meritev takšnih učinkov razpršenosti ustrezen.
Insurance and reinsurance undertakings may take full account of the effect of risk-mitigation techniques in their internal model, as long as credit risk and other risks arising from the use of risk-mitigation techniques are properly reflected in the internal model.
Zavarovalnice in pozavarovalnice lahko v svojem notranjem modelu v polni meri upoštevajo učinek tehnik za ublažitev tveganja, pod pogojem da notranji model ustrezno upošteva kreditna in druga tveganja, ki izhajajo iz uporabe tehnik za zmanjševanje tveganja.
Insurance and reinsurance undertakings shall accurately assess the particular risks associated with financial guarantees and any contractual options in their internal model, where material.
Če je večjega pomena, zavarovalnice in pozavarovalnice natančno ocenijo posebna tveganja, povezana s finančnimi garancijami in pogodbenimi možnostmi v njihovem modelu.
In their internal model, insurance and reinsurance undertakings may take account of future management actions that they would reasonably expect to carry out in specific circumstances.
Zavarovalnice in pozavarovalnice lahko v svojem notranjem modelu upoštevajo prihodnje ukrepe upravljanja, ki bi jih po razumnih pričakovanjih izvedli v posebnih okoliščinah.
In the case set out in the first subparagraph, the undertaking concerned shall make allowance for the time necessary to implement such actions.
V primeru iz prvega odstavka zadevno podjetje dovoli odstopanje za čas, ki je potreben za izvajanje takšnih ukrepov.
In their internal model, insurance and reinsurance undertakings shall take account of all payments to policy holders and beneficiaries which they expect to make, whether or not those payments are contractually guaranteed.
Zavarovalnice in pozavarovalnice v svojem notranjem modelu upoštevajo vsa plačila imetnikom polic in upravičencem, ki jih bodo predvidoma izvedle, tudi če ta plačila niso pogodbeno zajamčena
Calibration standards
Standardi kalibracije
Insurance and reinsurance undertakings may use a different time period or risk measure than that set out in Article 101(3) for internal modelling purposes as long as the outputs of the internal model can be used by those undertakings to calculate the Solvency Capital Requirement in a manner that provides policy holders and beneficiaries with a level of protection equivalent to that set out in Article 101.
Zavarovalnice in pozavarovalnice lahko uporabijo drugačno časovno obdobje ali mero tveganja od tiste iz člena 101(3) za namene oblikovanja notranjega modela, pod pogojem da ta podjetja lahko uporabijo rezultate notranjega modela za izračun zahtevanega solventnostnega kapitala na način, ki imetnikom polic in upravičencem zagotavlja stopnjo zaščite, ki je enakovredna tisti iz člena 101.
Where practicable, insurance and reinsurance undertakings shall derive the Solvency Capital Requirement directly from the probability distribution forecast generated by the internal model of those undertakings, using the Value-at-Risk measure set out in Article 101(3).
Kjer je mogoče, zavarovalnice in pozavarovalnice izračunajo zahtevani solventnostni kapital neposredno iz napovedi v obliki verjetnostne porazdelitve, ki jo proizvede notranji model teh podjetij, pri čemer uporabijo ukrep tvegane vrednosti iz člena 101(3).
Where insurance and reinsurance undertakings cannot derive the Solvency Capital Requirement directly from the probability distribution forecast generated by the internal model, the supervisory authorities may allow approximations to be used in the process to calculate the Solvency Capital Requirement, as long as those undertakings can demonstrate to the supervisory authorities that policy holders are provided with a level of protection equivalent to that provided for in Article 101.
Če zavarovalnice in pozavarovalnice ne morejo izračunati zahtevanega solventnostnega kapitala neposredno iz napovedi v obliki verjetnostne porazdelitve, ki jo proizvede notranji model, lahko nadzorni organi dovolijo uporabo približkov pri izračunu zahtevanega solventnostnega kapitala, pod pogojem da ta podjetja nadzornim organom lahko dokažejo, da je imetnikom polic zagotovljena stopnja zaščite, ki je enakovredna tisti iz člena 101.
Supervisory authorities may require insurance and reinsurance undertakings to run their internal model on relevant benchmark portfolios and using assumptions based on external rather than internal data in order to verify the calibration of the internal model and to check that its specification is in line with generally accepted market practice.
Nadzorni organi lahko od zavarovalnic in pozavarovalnic zahtevajo, da svoj notranji model uporabijo na zadevnih referenčnih portfeljih, pri čemer uporabijo predpostavke, ki naj raje temeljijo na notranjih podatkih kot na zunanjih podatkih, da preverijo kalibracijo notranjega modela in preverijo, da je njegova specifikacija v skladu s splošno sprejeto tržno prakso.
Profit and loss attribution
Opredelitev dobička in izgube
Insurance and reinsurance undertakings shall review, at least annually, the causes and sources of profits and losses for each major business unit.
Zavarovalnice in pozavarovalnice najmanj enkrat letno pregledajo vire dobička in vzroke za izgubo za posamezno večjo poslovno enoto.
They shall demonstrate how the categorisation of risk chosen in the internal model explains the causes and sources of profits and losses.
Prikažejo, kako kategorizacija izbranega tveganja v notranjem modelu pojasnjuje vire dobička in vzroke za izgubo.
The categorisation of risk and attribution of profits and losses shall reflect the risk profile of the insurance and reinsurance undertakings.
Kategorizacija tveganj in opredelitev dobička in izgube upoštevata profil tveganj zavarovalnic in pozavarovalnic.
Validation standards
Standardi validiranja
Insurance and reinsurance undertakings shall have a regular cycle of model validation which includes monitoring the performance of the internal model, reviewing the ongoing appropriateness of its specification, and testing its results against experience.
Zavarovalnice in pozavarovalnice imajo redni ciklus preverjanja validiranja modela, ki vključuje spremljanje delovanja notranjega modela, pregled tekoče ustreznosti njegovih specifikacij in testiranje njegovih rezultatov glede na izkušnje.
The model validation process shall include an effective statistical process for validating the internal model which enables the insurance and reinsurance undertakings to demonstrate to their supervisory authorities that the resulting capital requirements are appropriate.
Postopek validiranja modela vključuje učinkovit statistični postopek za validiranje notranjega modela, ki zavarovalnicam in pozavarovalnicam omogoča, da nadzornim organom dokažejo, da je pridobljeni zahtevani kapital ustrezen.
The statistical methods applied shall test the appropriateness of the probability distribution forecast compared not only to loss experience but also to all material new data and information relating thereto.
Uporabljene statistične metode ne bodo preverile le ustreznost napovedi v obliki verjetnostne porazdelitve glede na izkušnje z izgubami ampak tudi glede na vse stvarne nove podatke in informacije, ki se nanašajo nanjo.
The model validation process shall include an analysis of the stability of the internal model and in particular the testing of the sensitivity of the results of the internal model to changes in key underlying assumptions.
Postopek validiranja modela vključuje analizo stabilnosti notranjega modela in zlasti preverjanje občutljivosti rezultatov notranjega modela na spremembe in ključne predpostavke, na katerih temelji.
It shall also include an assessment of the accuracy, completeness and appropriateness of the data used by the internal model.
Vključuje tudi oceno natančnosti, popolnosti in ustreznosti podatkov, ki jih notranji model uporablja.
Documentation standards
Dokumentacijski standardi
Insurance and reinsurance undertakings shall document the design and operational details of their internal model.
Zavarovalnice in pozavarovalnice dokumentirajo podrobnosti v zvezi s sestavo in delovanjem svojega notranjega modela.
The documentation shall demonstrate compliance with Articles 120 to 124.
Dokumentacija dokazuje skladnost s členi 120 do 124.
The documentation shall provide a detailed outline of the theory, assumptions, and mathematical and empirical bases underlying the internal model.
Dokumentacija vsebuje podroben opis teorije, predpostavk ter matematične in empirične podlage, na kateri notranji model temelji.
The documentation shall indicate any circumstances under which the internal model does not work effectively.
Dokumentacija navaja kakršne koli okoliščine, v katerih notranji model ne deluje učinkovito.
Insurance and reinsurance undertakings shall document all major changes to their internal model, as set out in Article 115.
Zavarovalnice in pozavarovalnice dokumentirajo kakršne koli večje spremembe svojega notranjega modela, kot to določa člen 115.
External models and data
Zunanji modeli in podatki
The use of a model or data obtained from a third party shall not be considered to be a justification for exemption from any of the requirements for the internal model set out in Articles 120 to 125.
Uporaba modela ali podatkov, pridobljenih s strani tretje osebe, se ne šteje kot utemeljitev za izvzetje iz kakršnih koli zahtev glede notranjega modela iz členov 120 do 125.
The Commission shall, in order to ensure a harmonised approach to the use of internal models throughout the Community and to enhance the better assessment of the risk profile and management of the business of insurance and reinsurance undertakings, adopt implementing measures with respect to Articles 120 to 126.
Da zagotovi usklajen pristop k uporabi notranjega modela v vsej Skupnosti in izboljša oceno profila tveganj in upravljanje poslovanja zavarovalnic in pozavarovalnic, Komisija sprejme izvedbene ukrepe v zvezi s členi 120 do 126.
Minimum capital requirement
Zahtevani minimalni kapital
Member States shall require that insurance and reinsurance undertakings hold eligible basic own funds, to cover the Minimum Capital Requirement.
Države članice zahtevajo, da imajo zavarovalnice in pozavarovalnice primerna osnovna lastna sredstva za kritje zahtevanega minimalnega kapitala.
Calculation of the Minimum Capital Requirement
Izračun zahtevanega minimalnega kapitala
The Minimum Capital Requirement shall be calculated in accordance with the following principles:
Zahtevani minimalni kapital se izračuna v skladu z naslednjimi načeli:
it shall be calculated in a clear and simple manner, and in such a way as to ensure that the calculation can be audited;
izračuna se na jasen in preprost način in tako da se zagotovi možnost revizije izračuna;
it shall correspond to an amount of eligible basic own funds below which policy holders and beneficiaries are exposed to an unacceptable level of risk were insurance and reinsurance undertakings allowed to continue their operations;
ustreza znesku primernih osnovnih lastnih sredstev, pod katerim so imetniki polic in upravičenci izpostavljeni nesprejemljivi stopnji tveganja, če bi bilo zavarovalnicam in pozavarovalnicam dovoljeno, da nadaljujejo svoje poslovanje;
the linear function referred to in paragraph 2 used to calculate the Minimum Capital Requirement shall be calibrated to the Value-at-Risk of the basic own funds of an insurance or reinsurance undertaking subject to a confidence level of 85 % over a one-year period;
linearna funkcija iz odstavka 2, ki se uporabi za izračun zahtevanega minimalnega kapitala, se kalibrira na tvegano vrednost osnovnih lastnih sredstev zavarovalnice ali pozavarovalnice s stopnjo zaupanja 85 % za obdobje enega leta;
it shall have an absolute floor of:
ima absolutni prag:
EUR 2200000 for non-life insurance undertakings, including captive insurance undertakings, save in the case where all or some of the risks included in one of the classes 10 to 15 listed in Part A of Annex 1 are covered, in which case it shall be no less than EUR 3200000,
2200000 EUR za zavarovalnice, ki opravljajo posle neživljenjskih zavarovanj, vključno z lastnimi zavarovalnicami, razen v primeru, ko so krita vsa ali nekatera tveganja, vključena v eno od zavarovalnih vrst 10 do 15, naštetih v delu A Priloge 1; v tem primeru znesek ne sme biti nižji od 3200000 EUR,
EUR 3200000 for life insurance undertakings, including captive insurance undertakings,
3200000 EUR za zavarovalnice, ki opravljajo posle življenjskih zavarovanj, vključno z lastnimi zavarovalnicami,
EUR 3200000 for reinsurance undertakings, except in the case of captive reinsurance undertakings, in which case the Minimum Capital Requirement shall be no less than EUR 1000000,
3200000 EUR za pozavarovalnice, razen v primeru lastnih pozavarovalnic, pri katerih zahtevani minimalni kapital ne sme biti nižji od 1000000 EUR,
the sum of the amounts set out in points (i) and (ii) for insurance undertakings as referred to in Article 73(5).
vsota zneskov iz točk (i) in (ii) za zavarovalnice iz člena 73(5).
Subject to paragraph 3, the Minimum Capital Requirement shall be calculated as a linear function of a set or sub-set of the following variables: the undertaking’s technical provisions, written premiums, capital-at-risk, deferred tax and administrative expenses.
Zahtevani minimalni kapital se ob upoštevanju odstavka 3 izračuna kot linearna funkcija skupine ali podskupine naslednjih spremenljivk:zavarovalno-tehnične rezervacije podjetja, obračunane zavarovalne premije, tvegani kapital, odloženi davki in stroški upravljanja.
The variables used shall be measured net of reinsurance.
Uporabljene spremenljivke se izračunajo brez pozavarovanja.
Without prejudice to paragraph 1(d), the Minimum Capital Requirement shall neither fall below 25 % nor exceed 45 % of the undertaking’s Solvency Capital Requirement, calculated in accordance with Chapter VI, Section 4, Subsections 2 or 3, and including any capital add-on imposed in accordance with Article 37.
Brez poseganja v točko (d) odstavka 1 zahtevani minimalni kapital ne sme biti nižji od 25 % ali višji od 45 % zahtevanega solventnostnega kapitala podjetja, izračunanega v skladu s pododdelkom 2 oziroma 3 oddelka 4 poglavja VI, vključno s kakršnim koli kapitalskim pribitkom, zahtevanim v skladu s členom 37.
Member States shall allow their supervisory authorities, for a period ending no later than 31 October 2014, to require an insurance or reinsurance undertaking to apply the percentages referred to in the first subparagraph exclusively to the undertaking’s Solvency Capital Requirement calculated in accordance with Chapter VI, Section 4, Subsection 2.
Države članice svojim nadzornim organom dovolijo, da v obdobju, ki se konča najkasneje 31. oktobra 2014, od zavarovalnice ali pozavarovalnice zahtevajo, da odstotek iz prvega pododstavka uporabijo izključno za zahtevani solventnostni kapital podjetja, ki se izračuna v skladu s pododdelkom 2 oddelka 4 poglavja VI.
Insurance and reinsurance undertakings shall calculate the Minimum Capital Requirement at least quarterly and report the results of that calculation to supervisory authorities.
Zavarovalnice in pozavarovalnice izračunajo zahtevani minimalni kapital najmanj četrtletno in rezultate tega izračuna sporočijo nadzornim organom.
Where either of the limits referred to in paragraph 3 determines an undertaking’s Minimum Capital Requirement, the undertaking shall provide to the supervisory authority information allowing a proper understanding of the reasons therefor.
Če za zahtevani minimalni kapital podjetja velja katera koli od mejnih vrednosti iz odstavka 3, podjetje nadzornemu organu to sporoči in ustrezno pojasni.
The Commission shall adopt implementing measures specifying the calculation of the Minimum Capital Requirement, referred to in Articles 128 and 129.
Komisija sprejme izvedbene ukrepe, ki podrobno določajo izračun zahtevanega minimalnega kapitala iz členov 128 in 129.
Those measures, designed to amend non-essential elements of this Directive, by supplementing it, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 301(3).
Ti ukrepi, namenjeni spreminjanju nebistvenih določb te direktive z njenim dopolnjevanjem, se sprejmejo v skladu z regulativnim postopkom s pregledom iz člena 301(3).
Transitional arrangements regarding compliance with the Minimum Capital Requirement
Prehodne ureditve glede skladnosti z zahtevanim minimalnim kapitalom
By way of derogation from Articles 139 and 144, where insurance and reinsurance undertakings comply with the Required Solvency Margin referred to in Article 28 of Directive 2002/83/EC, Article 16a of Directive 73/239/EEC or Article 37, 38 or 39 of Directive 2005/68/EC respectively on 31 October 2012 but do not hold sufficient eligible basic own funds to cover the Minimum Capital Requirement, the undertakings concerned shall comply with Article 128 by 31 October 2013.
Če so zavarovalnice in pozavarovalnice 31. oktobra 2012 v skladu z zahtevano solventno mejo iz člena 28 Direktive 2002/83/ES, člena 16a iz Direktive 73/239/ES ali člena 37, 38 ali 39 Direktive 2005/68/ES, vendar nimajo zadostnih primernih osnovnih lastnih sredstev za kritje zahtevanega minimalnega kapitala, morajo zadevna podjetja, ob odstopanju od členov 139 in 144, zadostiti zahtevam iz člena 128 do 31. oktobra 2013.
Where the undertaking concerned fails to comply with Article 128 within the period set out in the first paragraph, the authorisation of the undertaking shall be withdrawn, subject to the applicable processes provided for in the national legislation.
Če zadevno podjetje ni v skladu s členom 128 v roku iz prvega odstavka, se dovoljenje podjetju odvzame, pri čemer se upoštevajo veljavni postopki, določeni v nacionalni zakonodaji.
Prudent person principle
Načelo preudarne osebe