natgillin/translations-raw huggingface dataset:
Insurance and reinsurance undertakings shall monitor the amount of eligible own funds and the Solvency Capital Requirement on an ongoing basis.
Zavarovalnice in pozavarovalnice tekoče spremljajo znesek primernih lastnih sredstev in zahtevanega solventnostnega kapitala.
If the risk profile of an insurance or reinsurance undertaking deviates significantly from the assumptions underlying the last reported Solvency Capital Requirement, the undertaking concerned shall recalculate the Solvency Capital Requirement without delay and report it to the supervisory authorities.
Če profil tveganj zavarovalnice ali pozavarovalnice močno odstopa od predpostavk, ki so bile osnova za zahtevani solventnostni kapital, ki je bil zadnjič sporočen, zadevno podjetje nemudoma ponovno izračuna zahtevani solventnostni kapital in ga sporoči nadzornim organom.
Where there is evidence to suggest that the risk profile of the insurance or reinsurance undertaking has altered significantly since the date on which the Solvency Capital Requirement was last reported, the supervisory authorities may require the undertaking concerned to recalculate the Solvency Capital Requirement.
Če obstajajo dokazi, ki nakazujejo na to, da se je profil tveganja zavarovalnice ali pozavarovalnice občutno spremenil od datuma, ko je bil zahtevani solventnostni kapital zadnjič sporočen, lahko nadzorni organi od zadevnega podjetja zahtevajo njegov ponovni izračun.
Solvency capital requirement standard formula
Zahtevani solventnostni kapital – standardna formula
Structure of the standard formula
Struktura standardne formule
The Solvency Capital Requirement calculated on the basis of the standard formula shall be the sum of the following items:
Zahtevani solventnostni kapital, izračunan na podlagi standardne formule, je vsota naslednjih postavk:
the Basic Solvency Capital Requirement, as laid down in Article 104;
osnovnega zahtevanega solventnostnega kapitala, kot določa člen 104;
the capital requirement for operational risk, as laid down in Article 107;
zahtevanega kapitala za operativno tveganje, kot določa člen 107;
the adjustment for the loss-absorbing capacity of technical provisions and deferred taxes, as laid down in Article 108.
prilagoditev zaradi absorbcijske zmožnosti zavarovalno-tehničnih rezervacij in odloženih davkov, kot določa člen 108.
Design of the Basic Solvency Capital Requirement
Oblika osnovnega zahtevanega solventnostnega kapitala
The Basic Solvency Capital Requirement shall comprise individual risk modules, which are aggregated in accordance with point (1) of Annex IV.
Osnovni zahtevani solventnostni kapital zajema posamezne module tveganja, ki se združijo v skladu s točko 1 Priloge IV.
It shall consist of at least the following risk modules:
Vsebuje najmanj naslednje module tveganja:
counterparty default risk.
tveganje neplačila nasprotne stranke.
For the purposes of points (a), (b) and (c) of paragraph 1, insurance or reinsurance operations shall be allocated to the underwriting risk module that best reflects the technical nature of the underlying risks.
Za namene točk (a), (b) in (c) odstavka 1 se dejavnosti zavarovalnice in pozavarovalnice dodelijo tistemu modulu tveganja, ki najbolj ustreza tehnični naravi osnovnih tveganj.
The correlation coefficients for the aggregation of the risk modules referred to in paragraph 1, as well as the calibration of the capital requirements for each risk module, shall result in an overall Solvency Capital Requirement which complies with the principles set out in Article 101.
Korelacijski koeficienti za združitev modulov tveganj iz odstavka 1 in kalibracija zahtevanega kapitala za posamezni modul tveganja tvorijo skupni zahtevani solventnostni kapital, ki ustreza načelom iz člena 101.
Each of the risk modules referred to in paragraph 1 shall be calibrated using a Value-at-Risk measure, with a 99,5 % confidence level, over a one-year period.
Vsak modul tveganja iz odstavka 1 se kalibrira z ukrepom tvegane vrednosti s stopnjo zaupanja 99,5 % za obdobje enega leta.
Where appropriate, diversification effects shall be taken into account in the design of each risk module.
Kjer je primerno, se pri oblikovanju posameznega modula tveganja upoštevajo učinki razpršenosti.
The same design and specifications for the risk modules shall be used for all insurance and reinsurance undertakings, both with respect to the Basic Solvency Capital Requirement and to any simplified calculations as laid down in Article 109.
Za vse zavarovalnice in pozavarovalnice se uporabljajo enaka oblika in enake specifikacije za module tveganja tako glede osnovnega zahtevanega solventnostnega kapitala kot tudi kakršnih koli poenostavljenih izračunov iz člena 109.
With regard to risks arising from catastrophes, geographical specifications may, where appropriate, be used for the calculation of the life, non-life and health underwriting risk modules.
Kar zadeva tveganja, ki izhajajo iz katastrof, se lahko, kjer je primerno, za izračun modulov tveganj življenjskega, neživljenjskega in zdravstvenega zavarovanja uporabijo geografske specifikacije.
Subject to approval by the supervisory authorities, insurance and reinsurance undertakings may, within the design of the standard formula, replace a subset of its parameters by parameters specific to the undertaking concerned when calculating the life, non-life and health underwriting risk modules.
Zavarovalnice in pozavarovalnice lahko pri izračunu modulov tveganj življenjskega, neživljenjskega in zdravstvenega zavarovanja nadomestijo podskupino parametrov v standardni formuli s parametri, ki so specifični za zadevno podjetje, pod pogojem, da to odobrijo nadzorni organi.
Such parameters shall be calibrated on the basis of the internal data of the undertaking concerned, or of data which is directly relevant for the operations of that undertaking using standardised methods.
Takšni parametri se kalibrirajo na podlagi notranjih podatkov zadevnega podjetja ali podatkov, ki so neposredno povezani s posli tega podjetja, ob uporabi standardiziranih metod.
When granting supervisory approval, supervisory authorities shall verify the completeness, accuracy and appropriateness of the data used.
Pri dodeljevanju nadzorne odobritve nadzorni organi preverijo popolnost, natančnost in ustreznost uporabljenih podatkov.
The Basic Solvency Capital Requirement shall be calculated in accordance with paragraphs 2 to 6.
Osnovni zahtevani solventnostni kapital se izračuna v skladu z odstavki 2 do 6.
The non-life underwriting risk module shall reflect the risk arising from non-life insurance obligations, in relation to the perils covered and the processes used in the conduct of business.
Modul tveganja iz pogodb neživljenjskega zavarovanja odraža tveganje, ki izhaja iz obvez neživljenjskega zavarovanja, v zvezi s kritimi nevarnostmi in postopki, uporabljenimi pri opravljanju poslov.
It shall take account of the uncertainty in the results of insurance and reinsurance undertakings related to the existing insurance and reinsurance obligations as well as to the new business expected to be written over the following 12 months.
Upošteva negotovost pri rezultatih zavarovalnic in pozavarovalnic glede obstoječih zavarovalnih in pozavarovalnih obveznosti kot tudi novih poslovanj, pričakovanih v naslednjih dvanajstih mesecih.
It shall be calculated, in accordance with point (2) of Annex IV, as a combination of the capital requirements for at least the following sub-modules:
Izračuna se v skladu s točko (2) Priloge IV kot kombinacija zahtevanega kapitala za najmanj naslednje podmodule:
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from fluctuations in the timing, frequency and severity of insured events, and in the timing and amount of claim settlements (non-life premium and reserve risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz nihanja v času, pogostosti in resnosti zavarovanih dogodkov in v času in obsegu obravnavanja odškodninskih zahtevkov (tveganje premije in rezervacije neživljenjskega zavarovanja);
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from significant uncertainty of pricing and provisioning assumptions related to extreme or exceptional events (non-life catastrophe risk).
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti zaradi večje negotovosti predpostavk glede oblikovanja cen in rezervacij, povezanih z ekstremnimi ali izjemnimi dogodki (tveganje katastrofe neživljenjskega zavarovanja).
The life underwriting risk module shall reflect the risk arising from life insurance obligations, in relation to the perils covered and the processes used in the conduct of business.
Modul tveganja iz pogodb življenjskega zavarovanja upošteva tveganje, ki izhaja iz obvez življenjskega zavarovanja, v zvezi s kritimi nevarnostmi in postopki, uporabljenimi pri opravljanju poslov.
It shall be calculated, in accordance with point (3) of Annex IV, as a combination of the capital requirements for at least the following sub-modules:
Izračuna se v skladu s točko (3) Priloge IV kot kombinacija zahtevanega kapitala za najmanj naslednje podmodule:
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from changes in the level, trend, or volatility of mortality rates, where an increase in the mortality rate leads to an increase in the value of insurance liabilities (mortality risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz sprememb v ravni, gibanju ali nestanovitnosti stopnje umrljivosti, pri čemer povečanje stopnje umrljivosti vodi do povečanja vrednosti zavarovalnih obveznosti (tveganje umrljivosti);
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from changes in the level, trend, or volatility of mortality rates, where a decrease in the mortality rate leads to an increase in the value of insurance liabilities (longevity risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz sprememb v ravni, gibanju ali nestanovitnosti stopnje umrljivosti, pri čemer znižanje stopnje umrljivosti vodi do povečanja vrednosti zavarovalnih obveznosti (tveganje dolgoživosti);
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from changes in the level, trend or volatility of disability, sickness and morbidity rates (disability – morbidity risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz sprememb v ravni, gibanju ali nestanovitnosti stopnje invalidnosti, bolezni in obolevnosti (tveganje invalidnosti in bolehnosti);
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from changes in the level, trend, or volatility of the expenses incurred in servicing insurance or reinsurance contracts (life-expense risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz sprememb v ravni, gibanju ali nestanovitnosti stroškov, ki so nastali zaradi servisiranja zavarovalnih in pozavarovalnih pogodb (tveganje stroškov servisiranja pogodb življenjskega zavarovanja);
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from fluctuations in the level, trend, or volatility of the revision rates applied to annuities, due to changes in the legal environment or in the state of health of the person insured (revision risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz nihanj v ravni, gibanju ali nestanovitnosti stopnje revizij rent zaradi sprememb v pravnem okolju ali zdravstvenem stanju zavarovane osebe (tveganje revizij);
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from changes in the level or volatility of the rates of policy lapses, terminations, renewals and surrenders (lapse risk);
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz sprememb v ravni ali nestanovitnosti stopnje predčasne prekinitve, prenehanja, obnavljanja in odkupa polic (tveganje predčasne prekinitve);
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from the significant uncertainty of pricing and provisioning assumptions related to extreme or irregular events (life-catastrophe risk).
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti zaradi večje negotovosti predpostavk glede oblikovanja cen in rezervacij povezanih z ekstremnimi ali izjemnimi dogodki (tveganje katastrofe življenjskega zavarovanja).
The health underwriting risk module shall reflect the risk arising from the underwriting of health insurance obligations, whether it is pursued on a similar technical basis to that of life insurance or not, following from both the perils covered and the processes used in the conduct of business.
Modul tveganja zdravstvenega zavarovanja odraža tveganje, ki izhaja iz obveznosti zdravstvenega zavarovanja, če se sklene ali ne na podobni tehnični podlagi kot življenjsko zavarovanje, ki se nanaša tako na krite nevarnosti kot tudi na uporabljene postopke pri opravljanju poslov.
It shall cover at least the following risks:
Zajema najmanj naslednja tveganja:
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from changes in the level, trend, or volatility of the expenses incurred in servicing insurance or reinsurance contracts;
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz sprememb v ravni, gibanju ali nestanovitnosti stroškov, ki so nastali zaradi servisiranja zavarovalnih in pozavarovalnih pogodb;
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from fluctuations in the timing, frequency and severity of insured events, and in the timing and amount of claim settlements at the time of provisioning;
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti, ki izhajajo iz nihanja v času, pogostosti in resnosti zavarovanih dogodkov ter v času in obsegu obravnavanja odškodninskih zahtevkov v času oblikovanja rezervacij;
the risk of loss, or of adverse change in the value of insurance liabilities, resulting from the significant uncertainty of pricing and provisioning assumptions related to outbreaks of major epidemics, as well as the unusual accumulation of risks under such extreme circumstances.
tveganje izgube ali neugodne spremembe v vrednosti zavarovalnih obveznosti zaradi večje negotovosti predpostavk glede oblikovanja cen in rezervacij povezanih z izbruhi večjih epidemij in nenavadnim kopičenjem tveganj v takšnih ekstremnih okoliščinah.
The market risk module shall reflect the risk arising from the level or volatility of market prices of financial instruments which have an impact upon the value of the assets and liabilities of the undertaking.
Modul tržnega tveganja upošteva tveganje, ki izhaja iz ravni ali nestanovitnosti tržnih cen finančnih instrumentov, ki vplivajo na vrednost sredstev in obveznosti podjetja.
It shall properly reflect the structural mismatch between assets and liabilities, in particular with respect to the duration thereof.
Ta modul ustrezno upošteva strukturno neusklajenost med sredstvi in obveznostmi zlasti glede njihovega trajanja.
It shall be calculated, in accordance with point (4) of Annex IV, as a combination of the capital requirements for at least the following sub-modules:
Izračuna se v skladu s točko (4) Priloge IV kot kombinacija zahtevanega kapitala za najmanj naslednje podmodule:
the sensitivity of the values of assets, liabilities and financial instruments to changes in the term structure of interest rates, or in the volatility of interest rates (interest rate risk);
občutljivost vrednosti sredstev, obveznosti in finančnih instrumentov na spremembe v časovni strukturi obrestnih mer ali nestanovitnosti obrestnih mer (tveganje obrestne mere);
the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of market prices of equities (equity risk);
občutljivost vrednosti sredstev, obveznosti in finančnih instrumentov na spremembe v ravni ali nepredvidljivost tržnih cen delnic (tveganje lastniških vrednostnih papirjev);
the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of market prices of real estate (property risk);
občutljivost vrednosti sredstev, obveznosti in finančnih instrumentov na spremembe v ravni ali nestanovitnosti tržnih cen nepremičnin (tveganje spremembe cen nepremičnin);
the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of credit spreads over the risk-free interest rate term structure (spread risk);
občutljivost vrednosti sredstev, obveznosti in finančnih instrumentov na spremembe v ravni ali nestanovitnosti kreditnih pribitkov preko časovne strukture netvegane obrestne mere (tveganje spremembe kreditnih pribitkov);
the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of currency exchange rates (currency risk);
občutljivost vrednosti sredstev, obveznosti in finančnih instrumentov na spremembe v ravni ali nestanovitnosti menjalnih tečajev (valutno tveganje);
additional risks to an insurance or reinsurance undertaking stemming either from lack of diversification in the asset portfolio or from large exposure to default risk by a single issuer of securities or a group of related issuers (market risk concentrations).
dodatna tveganja zavarovalnic ali pozavarovalnic zaradi pomanjkljive razpršenosti portfelja sredstev ali večje izpostavljenosti tveganju neplačila s strani enega izdajatelja vrednostnih papirjev ali skupine povezanih izdajateljev (tveganje tržne koncentracije).
The counterparty default risk module shall reflect possible losses due to unexpected default, or deterioration in the credit standing, of the counterparties and debtors of insurance and reinsurance undertakings over the following 12 months.
Modul tveganja neplačila nasprotne stranke upošteva možne izgube zaradi nepričakovanega neplačila ali poslabšanja kreditnega položaja nasprotnih strank in dolžnikov zavarovalnic ali pozavarovalnic v prihodnjih dvanajstih mesecih.
The counterparty default risk module shall cover risk-mitigating contracts, such as reinsurance arrangements, securitisations and derivatives, and receivables from intermediaries, as well as any other credit exposures which are not covered in the spread risk sub-module.
Modul tveganja neplačila nasprotne stranke zajema pogodbe za zmanjševanje tveganja, kot so ureditve pozavarovanja, listinjenja in izvedeni finančni instrumenti ter terjatve posrednikov kot tudi druge kreditne izpostavljenosti, ki jih ne zajema podmodul tveganja sprememb kreditnih pribitkov.
It shall take appropriate account of collateral or other security held by or for the account of the insurance or reinsurance undertaking and the risks associated therewith.
Modul bo primerno upošteval zavarovanje s premoženjem ali druge vrednostne papirje pri zavarovalnice ali pozavarovalnici ali so na njenemu računu, ter s tem povezana tveganja.
For each counterparty, the counterparty default risk module shall take account of the overall counterparty risk exposure of the insurance or reinsurance undertaking concerned to that counterparty, irrespective of the legal form of its contractual obligations to that undertaking.
Modul tveganja neplačila nasprotne stranke za vsako nasprotno stranko upošteva celovito izpostavljenost tveganju nasprotne stranke zadevne zavarovalnice ali pozavarovalnice do te nasprotne stranke, ne glede na pravno obliko njenih pogodbenih obveznosti do tega podjetja.
Calculation of the equity risk sub-module: symmetric adjustment mechanism
Izračun podmodula tveganja lastniških vrednostnih papirjev: mehanizem simetričnega prilagajanja
The equity risk sub-module calculated in accordance with the standard formula shall include a symmetric adjustment to the equity capital charge applied to cover the risk arising from changes in the level of equity prices.
Podmodul tveganja lastniških vrednostnih papirjev, izračunan v skladu s standardno formulo, vključuje simetrično prilagoditev k kapitalski zahtevi lastniških vrednostnih papirjev, ki se uporablja za kritje tveganja, ki izhaja iz sprememb v ravni cen lastniških vrednostnih papirjev.
The symmetric adjustment made to the standard equity capital charge, calibrated in accordance with Article 104(4), covering the risk arising from changes in the level of equity prices shall be based on a function of the current level of an appropriate equity index and a weighted average level of that index.
Simetrična prilagoditev standardni kapitalski zahtevi lastniških vrednostnih papirjev, kalibrirani v skladu s členom 104(4), ki krije tveganje v povezavi s spremembami v ravni cen delnic, temelji na funkciji sedanje ravni primernega indeksa lastniških vrednostnih papirjev ter ponderirani povprečni stopnji tega indeksa.
The weighted average shall be calculated over an appropriate period of time which shall be the same for all insurance and reinsurance undertakings.
Ponderirano povprečje se izračuna v primernem časovnem obdobju, ki je enako za vse zavarovalnice in pozavarovalnice.
The symmetric adjustment made to the standard equity capital charge covering the risk arising from changes in the level of equity prices shall not result in an equity capital charge being applied that is more than 10 percentage points lower or 10 percentage points higher than the standard equity capital charge.
Simetrična prilagoditev standardni kapitalski zahtevi lastniških vrednostnih papirjev, ki krije tveganje v povezavi s spremembami ravni cen lastniških vrednostnih papirjev, ne pomeni, da bo uporabljena kapitalska zahtevalastniških vrednostnih papirjev, nižja ali višja za 10 odstotnih točk od standardne delniške kapitalske zahteve.
Capital requirement for operational risk
Zahtevani kapital za operativno tveganje
The capital requirement for operational risk shall reflect operational risks to the extent they are not already reflected in the risk modules referred to in Article 104.
Zahtevani kapital za operativno tveganje upošteva operativna tveganja, v obsegu, v katerem ta niso že upoštevana v modulih tveganja iz člena 104.
That requirement shall be calibrated in accordance with Article 101(3).
Ta zahteva se kalibrira v skladu s členom 101(3).
With respect to life insurance contracts where the investment risk is borne by the policy holders, the calculation of the capital requirement for operational risk shall take account of the amount of annual expenses incurred in respect of those insurance obligations.
Glede pogodb o življenjskem zavarovanju, pri katerih naložbeno tveganje nosijo imetniki polic, izračun zahtevanega kapitala za operativno tveganje upošteva znesek letnih stroškov, ki so nastali v zvezi s temi zavarovalnimi obveznostmi.
With respect to insurance and reinsurance operations other than those referred to in paragraph 2, the calculation of the capital requirement for operational risk shall take account of the volume of those operations, in terms of earned premiums and technical provisions which are held in respect of those insurance and reinsurance obligations.
Glede zavarovalnih in pozavarovalnih poslov, ki niso omenjeni v odstavku 2, izračun zahtevanega kapitala za operativno tveganje upošteva obseg teh poslov v smislu zasluženih premij in zavarovalno-tehničnih rezervacij v zvezi s temi zavarovalnimi in pozavarovalnimi obveznostmi.
In this case, the capital requirement for operational risks shall not exceed 30 % of the Basic Solvency Capital Requirement relating to those insurance and reinsurance operations.
V tem primeru zahtevani kapital za operativna tveganja ne bo presegal 30 % osnovnega zahtevanega solventnostnega kapitala, ki se nanaša na te zavarovalne in pozavarovalne posle.
Adjustment for the loss-absorbing capacity of technical provisions and deferred taxes
Prilagoditev zaradi absorbcijskih kapacitet zavarovalno-tehničnih rezervacij in odloženih davkov