natgillin/translations-raw huggingface dataset:
The excess amount referred to in point (1) shall be reduced by the amount of own shares held by the insurance or reinsurance undertaking.
Presežek iz točke (1) se zmanjša za znesek lastnih delnic, ki so v lasti zavarovalnice ali pozavarovalnice.
Ancillary own funds
Pomožna lastna sredstva
Ancillary own funds shall consist of items other than basic own funds which can be called up to absorb losses.
Pomožna lastna sredstva zajemajo postavke, ki niso osnovna lastna sredstva in ki jih je mogoče vpoklicati za nadomestitev izgub.
Ancillary own funds may comprise the following items to the extent that they are not basic own-fund items:
Pomožna lastna sredstva lahko zajemajo naslednje postavke, če te niso postavke osnovnih lastnih sredstev:
unpaid share capital or initial fund that has not been called up;
nevplačani osnovni kapital ali ustanovni kapital, ki ni bil vpoklican;
letters of credit and guarantees;
akreditive in jamstva;
any other legally binding commitments received by insurance and reinsurance undertakings.
kakršne koli druge pravno zavezujoče zaveze, ki so jih zavarovalnice in pozavarovalnice prejele.
In the case of a mutual or mutual-type association with variable contributions, ancillary own funds may also comprise any future claims which that association may have against its members by way of a call for supplementary contribution, within the following 12 months.
V primeru družbe za vzajemno zavarovanje ali družbe, ki deluje po načelu vzajemnosti s spremenljivimi prispevki, lahko pomožna lastna sredstva zajemajo kakršne koli prihodnje terjatve, ki jih ta družba lahko ima do svojih članov, s pozivom za dodatni prispevek v naslednjih dvanajstih mesecih.
Where an ancillary own-fund item has been paid in or called up, it shall be treated as an asset and cease to form part of ancillary own-fund items.
Če so bila pomožna lastna sredstva vplačana ali vpoklicana, se štejejo za sredstvo in niso več sestavni del postavk pomožnih lastnih sredstev.
Supervisory approval of ancillary own funds
Nadzorna odobritev pomožnih lastnih sredstev
The amounts of ancillary own-fund items to be taken into account when determining own funds shall be subject to prior supervisory approval.
Zneski pomožnih lastnih sredstev, ki bodo upoštevani pri določanju lastnih sredstev, so predmet predhodne nadzorne odobritve.
The amount ascribed to each ancillary own-fund item shall reflect the loss-absorbency of the item and shall be based upon prudent and realistic assumptions.
Znesek, dodeljen vsaki postavki pomožnega lastnega sredstva, odraža možnost absorbcije izgube postavke in temelji na preudarnih in realnih predpostavkah.
Where an ancillary own-fund item has a fixed nominal value, the amount of that item shall be equal to its nominal value, where it appropriately reflects its loss-absorbency.
Če ima postavka pomožnega lastnega sredstva stalno nominalno vrednost je vsota te postavke enaka njeni nominalni vrednosti, kjer se primerno odraža njena možnost absorbiranja izgube.
Supervisory authorities shall approve either of the following:
Nadzorni organi odobrijo eno od naslednjega:
a monetary amount for each ancillary own-fund item;
denarni znesek za posamezno postavko pomožnih lastnih sredstev;
a method by which to determine the amount of each ancillary own-fund item, in which case supervisory approval of the amount determined in accordance with that method shall be granted for a specified period of time.
metodo za določitev zneska posamezne postavke pomožnih lastnih sredstev, pri čemer se nadzorna odobritev zneska, določenega s to metodo, dodeli za določeno časovno obdobje.
For each ancillary own-fund item, supervisory authorities shall base their approval on an assessment of the following:
Nadzorni organi odobrijo vsako postavko pomožnih lastnih sredstev na podlagi ocene:
the status of the counterparties concerned, in relation to their ability and willingness to pay;
statusa zadevnih nasprotnih strank glede na njihovo sposobnost in pripravljenost za plačilo;
the recoverability of the funds, taking account of the legal form of the item, as well as any conditions which would prevent the item from being successfully paid in or called up;
izterljivosti sredstev ob upoštevanju pravne oblike postavke kot tudi kakršnih koli pogojev, ki bi preprečili uspešno plačilo ali poziv postavke;
any information on the outcome of past calls which insurance and reinsurance undertakings have made for such ancillary own funds, to the extent that information can be reliably used to assess the expected outcome of future calls.
kakršnih koli podatkov o izidu preteklih pozivov, ki so jih zavarovalnice in pozavarovalnice opravile za takšna pomožna lastna sredstva, v obsegu, v katerem se lahko podatki zanesljivo uporabijo za dostop do pričakovanega izida prihodnjih pozivov.
Surplus funds
Presežek sredstev
Surplus funds shall be deemed to be accumulated profits which have not been made available for distribution to policy holders and beneficiaries.
Za presežna sredstva se šteje akumuliran dobiček, ki ni bil razporejen za porazdelitev imetnikom polic in upravičencem.
In so far as authorised under national law, surplus funds shall not be considered as insurance and reinsurance liabilities to the extent that they fulfil the criteria set out in Article 94(1).
Če je dovoljeno po nacionalnem pravu, se presežna sredstva ne šteje kot zavarovalne in pozavarovalne obveznosti, če izpolnjujejo pogoje, določene v členu 94(1).
The Commission shall adopt implementing measures specifying the following:
Komisija sprejme izvedbene ukrepe, ki opredelijo:
the criteria for granting supervisory approval in accordance with Article 90;
meril a za dodelitev nadzorne odobritve v skladu s členom 90;
the treatment of participations, within the meaning of the third subparagraph of Article 212(2), in financial and credit institutions with respect to the determination of own funds.
obravnavanje udeležb, v smislu tretjega pododstavka člena 212(2), v finančnih in kreditnih institucijah v zvezi z določitvijo lastnih sredstev.
Participations in financial and credit institutions as referred to in paragraph 1(b) shall comprise the following:
Udeležbe v finančnih in kreditnih institucijah iz točke (b) odstavka 1 zajemajo:
participations which insurance and reinsurance undertakings hold in:
udeležbe, ki jih imajo zavarovalnice in pozavarovalnice v:
credit institutions and financial institutions within the meaning of Article 4(1) and (5) of Directive 2006/48/EC,
kreditnih in finančnih institucijah v smislu člena 4(1) in (5) Direktive 2006/48/ES;
investment firms within the meaning of point 1 of Article 4(1) of Directive 2004/39/EC;
investicijskih družbah v smislu točke 1 člena 4(1) Direktive 2004/39/ES;
subordinated claims and instruments referred to in Article 63 and Article 64(3) of Directive 2006/48/EC which insurance and reinsurance undertakings hold in respect of the entities defined in point (a) of this paragraph in which they hold a participation.
podrejene terjatve in instrumente iz člena 63 in člena 64(3) Direktive 2006/48/ES, ki jih imajo zavarovalnice in pozavarovalnice v odnosu do oseb iz točke (a) tega odstavka, v katerih so udeležene.
Classification of own funds
Razvrstitev lastnih sredstev
Characteristics and features used to classify own funds into tiers
Značilnosti in posebnosti, uporabljene za razvrstitev lastnih sredstev po stopnjah
Own-fund items shall be classified into three tiers.
Postavke lastnih sredstev se razvrstijo v tri stopnje.
The classification of those items shall depend upon whether they are basic own fund or ancillary own-fund items and the extent to which they possess the following characteristics:
Razvrstitev teh postavk temelji na tem, ali gre za osnovna lastna sredstva ali za postavke pomožnih lastnih sredstev in do katere mere posedujejo naslednje značilnosti:
the item is available, or can be called up on demand, to fully absorb losses on a going-concern basis, as well as in the case of winding-up (permanent availability);
postavka je na voljo ali je lahko vpoklicana na zahtevo za popolno absorbcijo izgub na podlagi časovne neomejenosti delovanja kot tudi v primeru prenehanja (stalna razpoložljivost);
in the case of winding-up, the total amount of the item is available to absorb losses and the repayment of the item is refused to its holder until all other obligations, including insurance and reinsurance obligations towards policy holders and beneficiaries of insurance and reinsurance contracts, have been met (subordination).
v primeru prenehanja je celoten znesek postavke na voljo za absorbcijo izgub in se odplačilo postavke njenemu imetniku zavrne, dokler niso izpolnjene vse druge obveznosti, vključno z zavarovalnimi in pozavarovalnimi obveznostmi do imetnikov polic in upravičencev zavarovalnih in pozavarovalnih pogodb (podrejenost);
When assessing the extent to which own-fund items possess the characteristics set out in points (a) and (b) of paragraph 1, currently and in the future, due consideration shall be given to the duration of the item, in particular whether the item is dated or not.
Pri ocenjevanju obsega, v katerem imajo postavke lastnih sredstev značilnosti, določene v točkah (a) in (b) odstavka 1, je treba sedaj in v prihodnosti ustrezno upoštevati trajanje postavke, zlasti, ali je postavka datirana ali ne.
Where an own-fund item is dated, the relative duration of the item as compared to the duration of the insurance and reinsurance obligations of the undertaking shall be considered (sufficient duration).
Kjer je postavka lastnih sredstev datirana, je treba upoštevati relativno trajanje postavke v primerjavi s trajanjem zavarovalnih in pozavarovalnih obveznosti podjetja (zadostno trajanje).
In addition, the following features shall be considered:
Poleg tega se upoštevajo naslednje posebnosti:
whether the item is free from requirements or incentives to redeem the nominal sum (absence of incentives to redeem);
ali je postavka prosta zahtev ali spodbud za odplačilo nominalne vsote (odsotnost spodbud za plačilo);
whether the item is free from mandatory fixed charges (absence of mandatory servicing costs);
ali je postavka prosta obveznih stalnih odhodkov (odsotnost obveznih stroškov servisiranja);
whether the item is clear of encumbrances (absence of encumbrances).
ali je postavka prosta obremenitev (odsotnost obremenitev).
Main criteria for the classification into tiers
Glavna merila za razvrstitev po stopnjah
Basic own-fund items shall be classified in Tier 1 where they substantially possess the characteristics set out in Article 93(1)(a) and (b), taking into consideration the features set out in Article 93(2).
Postavke osnovnih lastnih sredstev se razvrstijo v stopnjo 1, če imajo v veliki meri značilnosti iz točk (a) in (b) člena 93(1) ob upoštevanju posebnosti iz člena 93(2).
Basic own-fund items shall be classified in Tier 2 where they substantially possess the characteristic set out in Article 93(1)(b), taking into consideration the features set out in Article 93(2).
Postavke osnovnih lastnih sredstev se razvrstijo v stopnjo 2, če imajo v veliki meri značilnosti iz točke (b) člena 93(1) ob upoštevanju posebnosti iz člena 93(2).
Ancillary own-fund items shall be classified in Tier 2 where they substantially possess the characteristics set out in Article 93(1)(a) and (b), taking into consideration the features set out in Article 93(2).
Postavke pomožnih lastnih sredstev se razvrstijo v stopnjo 2, če imajo v veliki meri značilnosti iz točk (a) in (b) člena 93(1) ob upoštevanju posebnosti iz člena 93(2).
Any basic and ancillary own-fund items which do not fall under paragraphs 1 and 2 shall be classified in Tier 3.
Kakršne koli postavke osnovnih in pomožnih lastnih sredstev, ki ne spadajo v odstavka 1 in 2, se razvrstijo v stopnjo 3.
Classification of own funds into tiers
Razvrstitev lastnih sredstev po stopnjah
Member States shall ensure that insurance and reinsurance undertakings classify their own-fund items on the basis of the criteria laid down in Article 94.
Države članice zagotovijo, da zavarovalnice in pozavarovalnice svoje postavke lastnih sredstev razvrstijo na podlagi meril iz člena 94.
For that purpose, insurance and reinsurance undertakings shall refer to the list of own-fund items referred to in Article 97(1)(a), where applicable.
V ta namen se zavarovalnice in zavarovalnice sklicujejo na seznam lastnih sredstev iz točke (a) člena 97(1), kjer je primerno.
Where an own-fund item is not covered by that list, it shall be assessed and classified by insurance and reinsurance undertakings, in accordance with the first paragraph.
Če postavka lastnih sredstev ni zajeta v tem seznamu, jo zavarovalnice in pozavarovalnice ocenijo in razvrstijo v skladu s prvim odstavkom.
That classification shall be subject to approval by the supervisory authority.
Ta razvrstitev je predmet odobritve nadzornega organa.
Classification of specific insurance own-fund items
Razvrstitev posebnih zavarovalnih postavk lastnih sredstev
Without prejudice to Article 95 and Article 97(1)(a) for the purposes of this Directive the following classifications shall be applied:
Brez poseganja v člen 95 in točko (a) člena 97(1) se za namene te direktive uporabljajo naslednje razvrstitve:
surplus funds falling under Article 91(2) shall be classified in Tier 1;
presežna sredstva, ki spadajo v člen 91(2), se razvrstijo v stopnjo 1;
letters of credit and guarantees which are held in trust for the benefit of insurance creditors by an independent trustee and provided by credit institutions authorised in accordance with Directive 2006/48/EC shall be classified in Tier 2;
akreditivi in jamstva, ki jih ima neodvisni skrbnik v skrbništvu za zavarovalne upnike, in ki jih zagotovijo kreditne institucije, pooblaščene v skladu z Direktivo 2006/48/ES, se razvrstijo v stopnjo 2;
any future claims which mutual or mutual-type associations of shipowners with variable contributions solely insuring risks listed in classes 6, 12 and 17 in Part A of Annex I may have against their members by way of a call for supplementary contributions, within the following 12 months, shall be classified in Tier 2.
kakršne koli prihodnje terjatve, ki jih imajo lahko ladjarske družbe za vzajemno zavarovanje ali ladjarske družbe, ki delujejo po načelu vzajemnosti s spremenljivimi prispevki in ki zavarujejo samo tveganja, razvrščena v razredih 6, 12 in 17 v delu A Priloge I, do svojih članov s pozivom za dodatne prispevke v naslednjih 12 mesecih, se razvrstijo v stopnjo 2.
In accordance with the second subparagraph of Article 94(2), any future claims which mutual or mutual-type associations with variable contributions may have against their members by way of a call for supplementary contributions, within the following 12 months, not falling under point (3) of the first subparagraph shall be classified in Tier 2 where they substantially possess the characteristics set out in Article 93(1)(a) and (b), taking into consideration the features set out in Article 93(2).
V skladu z drugim pododstavkom člena 94(2) kakršne koli prihodnje terjatve, ki jih imajo lahko družbe za vzajemno zavarovanje ali družbe, ki delujejo po načelu vzajemnosti s spremenljivimi prispevki, do svojih članov s pozivom za dodatne prispevke v naslednjih 12 mesecih, ki ne spadajo pod točko (3) prvega pododstavka, se razvrstijo v stopnjo 2, če imajo v veliki meri značilnosti iz točke (a) in (b) člena 93(1) ob upoštevanju posebnosti iz člena 93(2).
a list of own-fund items, including those referred to in Article 96, deemed to fulfil the criteria, set out in Article 94, which contains for each own-fund item a precise description of the features which determined its classification;
seznam postavk lastnih sredstev, skupaj s tistimi iz člena 96, za izpolnjevanje meril iz člena 94, ki za vsako postavko lastnih sredstev vsebuje podroben opis lastnosti, ki so določile njeno razvrstitev.
the methods to be used by supervisory authorities, when approving the assessment and classification of own-fund items which are not covered by the list referred to in point (a).
metode, ki jih bodo uporabili nadzorni organi pri odobritvi ocene in razvrstitve postavk lastnih sredstev, ki jih ne zajema seznam iz točke (a).
The Commission shall regularly review and, where appropriate, update the list referred to in paragraph 1(a) in the light of market developments.
Komisija redno pregleda in, če je primerno, posodobi seznam iz točke (a) odstavka 1 glede na razvoj trga.
Eligibility of own funds
Primernost lastnih sredstev
Eligibility and limits applicable to Tiers 1, 2 and 3
Primernost in omejitve, ki se uporabljajo za stopnje 1, 2 in 3
As far as the compliance with the Solvency Capital Requirement is concerned, the eligible amounts of Tier 2 and Tier 3 items shall be subject to quantitative limits. Those limits shall be such as to ensure that at least the following conditions are met:
Kar zadeva skladnost z zahtevanim solventnostnim kapitalom, imajo primerni zneski postavk stopnje 2 in 3 naslednje kvantitativne omejitve: te omejitve bodo take, da bodo zagotovile vsaj izpolnjevanje naslednjih pogojev:
the proportion of Tier 1 items in the eligible own funds is higher than one third of the total amount of eligible own funds;
delež postavk stopnje 1 primernih lastnih sredstev je večji od tretjine skupnega zneska primernih lastnih sredstev;
the eligible amount of Tier 3 items is less than one third of the total amount of eligible own funds.
primerni znesek stopnje 3 je manjši od tretjine skupnega zneska primernih lastnih sredstev.
As far as compliance with the Minimum Capital Requirement is concerned, the amount of basic own-fund items eligible to cover the Minimum Capital Requirement which are classified in Tier 2 shall be subject to quantitative limits.
Kar zadeva skladnost z zahtevanim minimalnim kapitalom, se za znesek postavk primernih osnovnih lastnih sredstev za kritje zahtevanega minimalnega kapitala, ki so razvrščene v stopnjo 2, uporabljajo kvantitativne omejitve.
Those limits shall be such as to ensure, as a minimum, that the proportion of Tier 1 items in the eligible basic own funds is higher than one half of the total amount of eligible basic own funds.
Te omejitve zagotovijo vsaj, da bo delež postavk stopnje 1 pri primernih osnovnih lastnih sredstvih večji od ene polovice skupnega zneska primernih osnovnih lastnih sredstev.
The eligible amount of own funds to cover the Solvency Capital Requirement set out in Article 100 shall be equal to the sum of the amount of Tier 1, the eligible amount of Tier 2 and the eligible amount of Tier 3.
Primerni znesek lastnih sredstev za kritje zahtevanega solventnostnega kapitala iz člena 100 je enak vsoti zneska stopnje 1, primernega zneska stopnje 2 in primernega zneska stopnje 3.
The eligible amount of basic own funds to cover the Minimum Capital Requirement set out in Article 128 shall be equal to the sum of the amount of Tier 1 and the eligible amount of basic own-fund items classified in Tier 2.
Primerni znesek osnovnih lastnih sredstev za kritje zahtevanega minimalnega kapitala iz člena 128 je enak vsoti zneska stopnje 1 in primernega zneska postavk osnovnih lastnih sredstev, razvrščenih v stopnjo 2.
The Commission shall adopt implementing measures laying down:
Komisija sprejme izvedbene ukrepe, ki določajo:
the quantitative limits referred to in Article 98(1) and (2);
kvantitativne omejitve iz člena 98(1) in (2);
the adjustments that should be made to reflect the lack of transferability of those own-fund items that can only be used to cover losses arising from a particular segment of liabilities or from particular risks (ring-fenced funds).
prilagoditve, ki jih je treba izpeljati, da se izpostavi pomanjkljivosti prenosljivosti tistih postavk lastnih sredstev, ki se lahko uporabijo samo za kritje izgub, ki nastanejo v določenem segmentu obveznosti ali zaradi določenih tveganj (namenska sredstva).
Solvency capital requirement
Zahtevani solventnostni kapital
General provisions for the solvency capital requirement using the standard formula or an internal model
Splošne določbe za zahtevani solventnostni kapittal ob uporabi standardne formule ali notranjega modela
Member States shall require that insurance and reinsurance undertakings hold eligible own funds covering the Solvency Capital Requirement.
Države članice zahtevajo, da imajo zavarovalnice in pozavarovalnice primerna lastna sredstva za kritje zahtevanega solventnostnega kapitala.
The Solvency Capital Requirement shall be calculated, either in accordance with the standard formula in Subsection 2 or using an internal model, as set out in Subsection 3.
Zahtevani solventnostni kapital se izračuna bodisi po standardni formuli iz pododdelka 2 bodisi po notranjem modelu iz pododdelka 3.
Calculation of the Solvency Capital Requirement
Izračun zahtevanega solventnostnega kapitala
The Solvency Capital Requirement shall be calculated in accordance with paragraphs 2 to 5.
Zahtevani solventnostni kapital se izračuna v skladu z odstavki 2 do 5.
The Solvency Capital Requirement shall be calculated on the presumption that the undertaking will pursue its business as a going concern.
Zahtevani solventnostni kapital se izračuna na podlagi predpostavke, da bo podjetje poslovalo tudi v prihodnje.
The Solvency Capital Requirement shall be calibrated so as to ensure that all quantifiable risks to which an insurance or reinsurance undertaking is exposed are taken into account.
Zahtevani solventnostni kapital se kalibrira tako, da se zagotovi upoštevanje vseh merljivih tveganj, katerim je zavarovalnica ali pozavarovalnica izpostavljena.
It shall cover existing business, as well as the new business expected to be written over the following 12 months.
Kril bo obstoječe poslovanje in novo poslovanje, ki naj bi bilo vzpostavljeno v naslednjih dvanajstih mesecih.
With respect to existing business, it shall cover only unexpected losses.
Krije le nepričakovane izgube v zvezi z obstoječim poslovanjem.
It shall correspond to the Value-at-Risk of the basic own funds of an insurance or reinsurance undertaking subject to a confidence level of 99,5 % over a one-year period.
Ustreza tvegani vrednosti osnovnih lastnih sredstev zavarovalnice in pozavarovalnice s stopnjo zaupanja 99,5 % za obdobje enega leta.
The Solvency Capital Requirement shall cover at least the following risks:
Zahtevani solventnostni kapital krije najmanj naslednja tveganja:
non-life underwriting risk;
tveganje neživljenjskega zavarovanja;
life underwriting risk;
tveganje življenjskega zavarovanja;
health underwriting risk;
tveganje zdravstvenega zavarovanja;
market risk;
tržno tveganje;
credit risk;
kreditno tveganje;
operational risk.
operativno tveganje.
Operational risk as referred to in point (f) of the first subparagraph shall include legal risks, and exclude risks arising from strategic decisions, as well as reputation risks.
Operativno tveganje iz točke (f) prvega pododstavka vključuje pravna tveganja in izključuje tveganja, ki izhajajo iz strateških odločitev, ter tveganja za izgubo ugleda.
When calculating the Solvency Capital Requirement, insurance and reinsurance undertakings shall take account of the effect of risk-mitigation techniques, provided that credit risk and other risks arising from the use of such techniques are properly reflected in the Solvency Capital Requirement.
Pri izračunu zahtevanega solventnostnega kapitala zavarovalnice in pozavarovalnice upoštevajo učinke tehnik za zmanjševanje tveganja, pod pogojem da se kreditna in druga tveganja, ki izhajajo iz uporabe takšnih tehnik, ustrezno odražajo v zahtevanem solventnostnem kapitalu.
Frequency of calculation
Pogostost izračuna
Insurance and reinsurance undertakings shall calculate the Solvency Capital Requirement at least once a year and report the result of that calculation to the supervisory authorities.
Zavarovalnice in pozavarovalnice izračunajo zahtevani solventnostni kapital najmanj enkrat letno in rezultat tega izračuna sporočijo nadzornim organom.
Insurance and reinsurance undertakings shall hold eligible own funds which cover the last reported Solvency Capital Requirement.
Zavarovalnice in pozavarovalnice imajo primerna lastna sredstva, ki krijejo zadnjič sporočeni zahtevani solventnostni kapital.