natgillin/translations-raw huggingface dataset:
Prolongations of existing deposit and loan contracts that are carried out automatically, i.e. without any active involvement of the household or non-financial corporation, and that do not involve any renegotiation of the terms and conditions of the contract, including the interest rate, are not considered as new business.
Podaljšanja obstoječih pogodb za vloge in posojila, ki se opravijo samodejno, tj. brez aktivnega sodelovanja gospodinjstva ali nefinančne družbe, in ki ne vključujejo nikakršnega ponovnega pogajanja o pogodbenih pogojih, vključno z obrestno mero, ne štejejo za nove posle.
The new business rate reflects the weighted average interest rate applied to the deposits and loans in the relevant instrument category in respect of new agreements concluded between households or non-financial corporations and the reporting agent during the time reference period as defined in paragraph 32.
Obrestna mera za nove posle odraža ponderirano povprečno obrestno mero, ki se uporablja za vloge in posojila v ustrezni kategoriji instrumentov glede novih dogovorov, sklenjenih med gospodinjstvi ali nefinančnimi družbami in poročevalsko enoto med referenčnim časovnim obdobjem, kakor je določeno v odstavku 32
Changes in floating interest rates in the sense of automatic adjustments of the interest rate performed by the reporting agent are not new agreements and are therefore not considered as new business.
Spremembe v spremenljivih obrestnih merah v smislu samodejnih usklajevanj obrestnih mer, ki jih opravlja poročevalska enota, ne pomenijo novih dogovorov in zato ne štejejo kot novi posli.
For existing contracts, these changes in floating rates are therefore not captured in new business rates but only in the average rates on outstanding amounts.
Pri obstoječih pogodbah se omenjene spremembe v spremenljivih obrestnih merah ne zajemajo v obrestnih merah za nove posle, temveč v povprečnih obrestnih merah za stanje zadolženosti
A change from fixed to floating interest rates or vice versa (at time t1) during the course of the contract, which has been agreed at the start of the contract (time t0), is not a new agreement but part of the terms and conditions of the loan laid down at time t0.
Sprememba fiksne obrestne mere v spremenljivo ali obratno (v času t1) med trajanjem pogodbe, ki je bila dogovorjena na začetku veljavnosti pogodbe (čas t0), ne pomeni novega dogovora, temveč je del posojilnih pogojev, določenih v času t0.
It is therefore not considered as new business.
Zato se ne šteje za nov posel.
A household or non-financial corporation is normally expected to take out a loan other than a revolving loan or overdraft in full at the start of the contract.
Od gospodinjstva ali nefinančne družbe se običajno pričakuje, da bo črpala posojilo, razen posojila revolving ali prekoračitve stanja na računu, v celoti na začetku veljavnosti pogodbe.
It may, however, take out a loan in tranches at times t1, t2, t3, etc. instead of taking out the full amount at the start of the contract (time t0).
Vendar pa posojilo lahko črpa v tranšah v času t1, t2, t3, itd. namesto črpanja celotnega zneska na začetku veljavnosti pogodbe (čas t0).
The fact that a loan is taken out in tranches is irrelevant for MFI interest rate statistics.
Dejstvo, da se posojilo črpa v tranšah, je za statistiko obrestnih mer MFI nepomembno.
The agreement between the household or non-financial corporation and the reporting agent at time t0, which includes the interest rate and the full amount of the loan, is covered by MFI interest rate statistics on new business.
V statistiki obrestnih mer MFI za nove posle se zajame dogovor med gospodinjstvom ali nefinančno družbo in poročevalsko enoto v času t0, ki obsega obrestno mero in celotni znesek posojila
PART 3
Del 3
TIME REFERENCE POINT
REFERENČNA ČASOVNA TOČKA
Time reference point for MFI interest rates on outstanding amounts
Referenčna časovna točka za statistiko obrestnih mer MFI za stanje zadolženosti
NCBs decide whether at national level the MFI interest rates on outstanding amounts, i.e. indicators 1 to 14 described in Appendix 1, are compiled as a snapshot of end-period observations or as implicit rates referring to period averages.
NCB odločijo, ali se na nacionalni ravni obrestne mere MFI za stanje zadolženosti, tj. kazalniki od 1 do 14, opisani v Dodatku 1, pripravljajo kot posnetek opažanj ob koncu obdobja ali kot implicitne obrestne mere, ki se nanašajo na povprečja za obdobja.
The period covered is one month.
Obravnavano obdobje traja en mesec.
Interest rates on outstanding amounts as a snapshot of end-month observations are calculated as weighted averages of the interest rates applied to the stock of deposits and loans at a certain point in time on the last day of the month.
Obrestne mere za stanje zadolženosti kot kot posnetek opažanj ob koncu meseca se izračunajo kot ponderirana povprečja obrestnih mer, ki se uporabljajo za stanje vlog in posojil v določeni časovni točki na zadnji dan v mesecu.
At that point in time, the reporting agent collects the interest rates applicable and the amounts involved for all outstanding deposits and loans vis-à-vis households and non-financial corporations and compiles a weighted average interest rate for each instrument category.
V tej časovni točki poročevalska enota za vse neporavnane vloge in posojila v razmerju do gospodinjstev in nefinančnih družb zbere ustrezne obrestne mere in z njimi povezane zneske ter pripravi ponderirano povprečno obrestno mero za vsako kategorijo instrumentov.
In contrast to monthly averages, MFI interest rates on outstanding amounts compiled as end-month observations only cover those contracts that are still outstanding at the time of the data collection.
Nasprotno kot pri mesečnih povprečjih se obrestne mere MFI za stanje zadolženosti, ki se pripravijo kot opažanja ob koncu meseca, nanašajo samo na pogodbe, ki so v času zbiranja podatkov še vedno odprte.
Interest rates on outstanding amounts as implicit rates referring to the average of the month are calculated as quotients, with the accrued interest payable on deposits and receivable on loans during the reference month as the numerator, and the average stock during the month as the denominator.
Obrestne mere za stanje zadolženosti kot implicitne obrestne mere, ki se nanašajo na mesečno povprečje , se izračunajo kot količnik z natečenimi obrestmi, plačanimi za vloge in prejetimi za posojila v referenčnem mesecu, v števcu in s povprečnim stanjem v teku meseca v imenovalcu.
At the end of the reference month, the reporting agent reports the accrued interest payable or receivable during the month for each instrument category and the average stock of deposits and loans during the same month.
Ob koncu referenčnega meseca poročevalska enota poroča natečene obresti, plačane ali prejete v teku meseca, za vsako kategorijo instrumentov ter povprečno stanje vlog in posojil v istem mesecu.
In contrast to end-month observations, the MFI interest rates on outstanding amounts compiled as monthly averages also include contracts that were outstanding at some time during the month but are no longer outstanding at the end of the month.
Nasprotno kot pri opažanjih ob koncu meseca vključujejo obrestne mere MFI za stanje zadolženosti, ki se pripravijo kot mesečna povprečja, tudi pogodbe, ki so bile v teku meseca odprte , ob koncu meseca pa niso več.
The average stock of deposits and loans during the reference month is ideally compiled as the average of daily stocks over the month.
Povprečno stanje vlog in posojil v teku referenčnega meseca se v idealnem primeru pripravi kot povprečno dnevno stanje v celem mesecu.
As a minimum standard, the average monthly stock is derived from daily balances for volatile instrument categories, i.e. at least overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts.
Kot minimalni standard se povprečno mesečno stanje izpelje iz dnevnih stanj za spremenljive kategorije instrumentov, tj. vsaj za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih.
For all other instrument categories, the average monthly stock is derived from weekly or more frequent balances.
Za vse druge kategorije instrumentov se povprečno mesečno stanje izpelje iz tedenskih ali pogostejših stanj.
For a transitional period of not more than two years, for loans with agreed maturity over five years, the end-month observations are accepted.
Za prehodno obdobje, ki ni daljše od dveh let, se za posojila z dogovorjeno zapadlostjo nad petimi leti sprejmejo opažanja ob koncu meseca.
Time reference point for new business on overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts
Referenčna časovna točka za nove posle glede vlog čez noč, vlog na odpoklic z odpovednim rokom, obrestovanega dolga po kreditnih karticah in posojil revolving ter prekoračitev stanj na računih
NCBs decide whether at national level the MFI interest rates on overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts, i.e. indicators 1, 5, 6, 7, 12, 23, 32 and 36 described in Appendix 2, are compiled as a snapshot of end-period observations or as implicit rates referring to period averages.
NCB odločijo, ali se na nacionalni ravni obrestne mere MFI za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih, tj. kazalniki 1, 5, 6, 7, 12, 23, 32 in 36, opisani v Dodatku 2, pripravijo kot posnetek opažanj ob koncu obdobja ali kot implicitne obrestne mere, ki se nanašajo na povprečja za obdobja.
Analogous to the compilation of the interest rates on outstanding amounts contained in Appendix 1, the interest rates on overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts are compiled in either of the following manners:
Podobno kot pri pripravljanju obrestnih mer za stanje zadolženosti iz Dodatka 1 se tudi obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih pripravijo na enega izmed naslednjih načinov:
a snapshot of end-month observations is calculated, i.e. weighted averages of the interest rates applied to the stock of these deposits and loans at a certain point in time on the last day of the month.
izračuna se posnetek opažanj ob koncu meseca, tj. ponderirana povprečja obrestnih mer, ki se uporabljajo za stanje teh vlog in posojil v določeni časovni točki na zadnji dan v mesecu.
At that time, the reporting agent collects the interest rates and the amounts involved for all overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts vis-à-vis households and non-financial corporations, and compile a weighted average interest rate for each instrument category.
V tem času poročevalska enota zbere za vse vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih v razmerju do gospodinjstev in nefinančnih družb obrestne mere in z njimi povezane zneske ter pripravi ponderirano povprečno obrestno mero za vsako kategorijo instrumentov.
In contrast to monthly averages, MFI interest rates on outstanding amounts compiled as end-month observations only cover those contracts that are still outstanding at the time of data collection;
Nasprotno kot pri mesečnih povprečjih se obrestne mere MFI za stanje zadolženosti, ki se pripravijo na podlagi opažanj ob koncu meseca, nanašajo samo na pogodbe, ki so v času zbiranja podatkov še vedno odprte;
implicit rates referring to the average of the month are calculated, i.e. quotients, with the accrued interest payable on deposits and receivable on loans as the numerator and the average daily stock as the denominator.
izračunajo se implicitne obrestne mere, ki se nanašajo na mesečno povprečje tj. količniki z natečenimi obrestmi, plačanimi za vloge in prejetimi za posojila, v števcu in s povprečnim dnevnim stanjem v imenovalcu.
At the end of the month, for overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts the reporting agent reports the accrued interest payable or receivable during the month and the average stock of deposits and loans during the same month.
Ob koncu meseca poročevalska enota poroča za vloge čez noč, vloge na odpoklic odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih natečene obresti, plačane ali prejete v teku meseca, ter povprečno stanje vlog in posojil v istem mesecu.
For overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts the average monthly stock is derived from daily balances.
Za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih se povprečno mesečno stanje izpelje iz dnevnih stanj.
In contrast to end-month observations, the MFI interest rates on outstanding amounts compiled as monthly averages also include contracts that were outstanding at some time during the month, but are no longer outstanding at the end of the month.
Nasprotno kot pri opažanjih ob koncu meseca vključujejo obrestne mere MFI za stanje zadolženosti, ki so pripravljene kot mesečna povprečja, tudi pogodbe, ki so bile v teku meseca odprte, ob koncu meseca pa niso več.
Concerning accounts that can either be a deposit or a loan, depending on their balance, only the balance at a certain time on the last day of the month determines whether the account is an overnight deposit or an overdraft in that month, if MFI interest rates are compiled as a snapshot of end-month observations.
Če se obrestne mere MFI pripravijo kot posnetek opažanj ob koncu meseca, potem v zvezi z računi, ki so lahko vloge ali posojila, odvisno od stanja na njih, samo stanje ob določenem času na zadnji dan v mesecu določa, ali je ta račun vloga čez noč ali prekoračitev stanja na računu za ta mesec.
If MFI interest rates are calculated as implicit rates referring to the average of the month, an assessment is made each day as to whether the account is a deposit or a loan.
Če se obrestne mere MFI izračunavajo kot implicitne obrestne mere, ki se nanašajo na mesečno povprečje, se ocena, ali gre pri računu za vlogo ali posojilo, opravi vsak dan.
An average of the daily credit balances and the daily debit balances is then calculated to derive the average monthly stock for the denominator of the implicit rates.
Povprečje dnevnega stanja v dobro in dnevnega stanja v breme se nato izračuna za ugotovitev povprečnega mesečnega stanja za imenovalec implicitnih obrestnih mer.
Furthermore, the flow in the numerator distinguishes between accrued interest payable on deposits and receivable on loans.
Razen tega tok v števcu razlikuje med natečenimi obrestmi, plačanimi za vloge in prejetimi za posojila.
Reporting agents do not report weighted average interest rates combining (low) overnight deposit rates and (high) overdraft rates.
Poročevalske enote ne poročajo ponderiranih povprečnih obrestnih mer, ki združujejo (nizke) obrestne mere za vloge čez noč in (visoke) obrestne mere za prekoračitve stanja na računih .
Time reference point for new business (other than overnight deposits, deposit redeemable at notice, extended credit card debt and revolving loans and overdrafts)
Referenčna časovna točka za nove posle (razen za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih)
MFI interest rates on new business other than overnight deposits, deposits redeemable at notice, extended credit card debt, and revolving loans and overdrafts, i.e. all of the indicators described in Appendix 2 except indicators 1, 5, 6, 7, 12, 23, 32 and 36 are calculated as period averages.
Obrestne mere MFI za nove posle razen za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih, tj. vsi kazalniki iz Dodatka 2 razen kazalnikov 1, 5, 6, 7, 12, 23, 32 in 36, se izračunajo kot povprečja za obdobje.
The period covered is (the whole of) one month.
Obravnavano obdobje traja en (cel) mesec.
For each instrument category, the reporting agents calculate the new business rate as a weighted average of all interest rates on new business operations in the instrument category during the reference month.
Za vsako kategorijo instrumentov poročevalske enote izračunajo novo poslovno obrestno mero kot ponderirano povprečje vsehobrestnih mer za nove posle v kategoriji instrumentov med referenčnim mesecem.
These interest rates referring to the average of the month are transmitted to the NCB of the participating Member State in which the reporting agent is resident, together with weighting information on the amount of new business conducted during the reporting month for each instrument category.
Te obrestne mere, ki se nanašajo na mesečno povprečje, se sporočijo NCB sodelujoče države članice, v kateri je poročevalska enota rezident, skupaj z informacijo o ponderiranju za znesek novih poslov, opravljenih med mesecem poročanja, za vsako kategorijo instrumentov.
Reporting agents take into account the new business operations conducted during the entire month.
Poročevalske enote upoštevajo nove posle, opravljene v celotnem mesecu.
PART 4
Del 4
Reporting agents provide MFI interest rate statistics on outstanding amounts for the instrument categories specified in Appendix 1 and on new business for the instrument categories specified in Appendix 2.
Poročevalske enote poročajo statistiko obrestnih mer MFI za stanje zadolženosti za kategorije instrumentov, določene v Dodatku 1, in za nove posle za kategorije instrumentov, določene v Dodatku 2.
As defined in paragraph 17, the interest rates on overnight deposits, deposits redeemable at notice, revolving loans and overdrafts and extended credit card debt are interest rates on new business and are therefore included in Appendix 2.
Kakor je določeno v odstavku 17, obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, posojila revolving in prekoračitve stanja na računih ter obrestovani dolg po kreditnih karticah pomenijo obrestne mere za nove posle in so zato vključene v Prilogo 2.
However, since the compilation method and the time reference point for the rates on overnight deposits, deposits redeemable at notice, extended credit card debt and revolving loans and overdrafts is the same as for the other indicators on outstanding amounts, indicators 1, 5, 6, 7, 12, 23, 32 and 36 of Appendix 2 are repeated in Appendix 1.
Ker pa sta metoda pripravljanja in referenčna časovna točka za obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovani dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih enaki kot za vse druge kazalnike stanja zadolženosti, se kazalniki 1, 5, 6, 7 12, 23, 32 in 36 iz Dodatka 2 ponovijo v Dodatku 1.
An instrument category specified in Appendices 1 and 2 is inapplicable at national level in some participating Member States and therefore ignored if resident credit and other institutions do not offer any products belonging to this category to households and non-financial corporations at all.
Kategorija instrumentov, določena v dodatkih 1 in 2, se v nekaterih sodelujočih državah članicah na nacionalni ravni ne uporablja in se zato ne upošteva, če rezidenčne kreditne in druge institucije gospodinjstvom in nefinančnim družbam sploh ne ponujajo produktov, ki sodijo v to kategorijo.
Data are provided if some business exists, however limited.
Podatki se poročajo, če nekateri posli obstajajo, ne glede na to, kako omejeni so.
For each instrument category defined in Appendices 1 and 2, and applied in the banking business of resident credit and other institutions with households and non-financial corporations resident in the participating Member States, the MFI interest rate statistics are compiled based on all of the interest rates applied to all of the products that fall within this instrument category.
Za vsako kategorijo instrumentov, ki je določena v dodatkih 1 in 2 in se uporablja v bančnem poslovanju rezidenčnih kreditnih in drugih institucij z gospodinjstvi in nefinančnimi družbami, ki so rezidenti v sodelujoči državi članici, se statistika obrestnih mer MFI pripravlja na podlagi vseh obrestnih mer, uporabljenih za vse produkte, ki sodijo v to kategorijo instrumentov.
This means that NCBs may not define a set of national products within each instrument category on which MFI interest rate statistics are collected; instead, the rates on all products offered by each of the reporting agents are covered.
To pomeni, da NCB ne smejo določiti sklopa nacionalnih produktov v okviru posamezne kategorije instrumentov, za katere se zbira statistika obrestnih mer MFI; namesto tega so zajete obrestne mere za vse produkte, ki jih ponuja vsaka od poročevalskih enot.
As stated in paragraph 28 of Annex I, NCBs do not need to cover in the sample each product that exists at national level.
Kakor je določeno v odstavku 28 Priloge I, NCB v vzorcu ni treba zajeti vsakega posameznega produkta, ki obstaja na nacionalni ravni.
However, they must not exclude a whole instrument category on the grounds that the amounts involved are very small.
Vendar pa ne smejo izločiti celotne kategorije instrumentov zato, ker so s tem povezani zneski zelo majhni.
Hence, if an instrument category is only offered by one institution, then this institution is represented in the sample.
Če torej določeno kategorijo instrumentov ponuja samo ena institucija, potem je ta institucija zastopana v vzorcu.
If an instrument category did not exist in a participating Member State at the time of the initial drawing of the sample, but a new product belonging to this category is being introduced by one institution thereafter, this institution is included in the sample at the time of the next representativity check.
Če določena kategorija instrumentov v času začetnega jemanja vzorca v sodelujoči državi članici ni obstajala, ampak je neka institucija kasneje uvedla nov produkt, ki sodi v to kategorijo, se ta institucija vključi v vzorec ob naslednjem preverjanju reprezentativnosti.
If a new product is created within an existing instrument category at national level, the institutions in the sample cover it with the next reporting, as all reporting agents are required to report on all their products.
Če v okviru obstoječe kategorije instrumentov na nacionalni ravni nastane nov produkt, ga institucije v vzorcu zajamejo v naslednjem poročilu, saj morajo vse poročevalske enote poročati o vseh svojih produktih.
The exception to the principle of covering all interest rates applied to all products are interest rates on bad loans and loans for debt restructuring.
Izjema od načela zajetja vseh obrestnih mer, ki se uporabljajo za vse produkte, so obrestne mere za slaba posojila in posojila za prestrukturiranje dolga.
As stated in paragraph 16, all bad loans, and loans for debt restructuring at rates below market conditions, i.e. applied to financially distressed debtors, are not covered by MFI interest rate statistics.
Kakor je določeno v odstavku 16, statistika obrestnih mer MFI ne zajema slabih posojil in posojil za prestrukturiranje dolga z obrestnimi merami, ki so nižje od tržnih, tj. uporabljenih za dolžnike v finančni stiski
MFI interest rate statistics cover the interest rates applied by the reporting population.
Statistika obrestnih mer MFI zajema obrestne mere, ki jih uporablja poročevalska populacija.
Data on deposits and loans in currencies other than euro shall not be required at the level of all participating Member States.
Podatki o vlogah in posojilih v valutah, ki niso euro, se na ravni vseh sodelujočih držav članic ne zahtevajo.
This is reflected in Appendices 1 and 2 where all indicators refer to deposits and loans denominated in euro.
To je razvidno iz dodatkov 1 in 2, kjer se vsi kazalniki nanašajo na vloge in posojila, izražene v eurih.