natgillin/translations-raw huggingface dataset:
Loans to households and non-financial corporations secured with collateral and/or guarantees are additionally separately reported for all MFI interest rate statistics new business categories except credit card debt, revolving loans and overdrafts, and lending for other purposes.
Posojila gospodinjstvom in nefinančnim družbam, ki so zavarovana s premoženjem in/ali jamstvi, se dodatno ločeno poročajo za vse kategorije novih poslov po statistiki obrestnih mer MFI, razen za dolg po kreditnih karticah, posojila revolving in prekoračitve stanj na računih ter posojila za druge namene
For the purpose of MFI interest rate statistics, the breakdown of loans according to collateral/guarantees includes the total amount of new business loans which are collateralised using the ‘funded’ credit protection technique as defined in Article 4(31) and Annex VIII, Part 1, Sections 6-25 of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions (recast) [6] and/or guaranteed using the ‘unfunded credit protection’ technique as defined in Article 4(32) and Annex VIII, Part 1 Sections 26-29 of Directive 2006/48/EC, in such a way that the value of the collateral and/or guarantee is higher than or equal to the total amount of the loan.
Za namene statistike obrestnih mer MFI razčlenitev posojil glede na zavarovanje s premoženjem/jamstvi vključuje skupen znesek novih posojilnih poslov, ki so zavarovani s premoženjem po tehniki ‘stvarnega kreditnega zavarovanja’ , kot je opredeljena v členu 4(31) in Prilogi VIII, Del 1, oddelki 6-25 Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij (preoblikovano) [6]in/ali ki so zavarovani z osebnimi jamstvi po tehniki ‘osebnega kreditnega zavarovanja’ , kot je opredeljena v členu 4(32) in Prilogi VIII, Del 1, oddelki 26-29 Direktive 2006/48/ES, in sicer tako, da je vrednost premoženja in/ali jamstev višja ali enaka skupnem znesku posojila.
If an MFI applies a system different from the ‘standardised approach’ as defined in Directive 2006/48/EC for supervisory purposes, it may also apply the same treatment in the reporting of loans included under this breakdown.
Če MFI za namene nadzora uporabi drugačen sistem, kot je ‘standardizirani pristop’ opredeljen v Direktivi 2006/48/ES, lahko ta isti sistem uporabi tudi pri poročanju posojil, vključenih v to razčlenitev
NCBs may grant derogations in respect of the reporting of both interest rates applied to and business volumes of collateralised/guaranteed loans to non-financial corporations, indicators 62 to 85, if the national aggregate business volume of the corresponding item (indicators 37 to 54) covering all loans represents less than 10 % of the national aggregate business volumes of the sum of all loans in the same size category and less than 2 % of the business volumes for the same size and initial period of fixation category at euro area level.
NCB lahko odobrijo odstopanja od poročanja obrestnih mer za posojila nefinančnim družbam, ki so zavarovana s premoženjem/jamstvi, in obsega takšnih posojil, kazalniki od 62 do 85, če nacionalni agregatni obseg poslov odgovarjajoče postavke (kazalniki od 37 do 54), ki zajema vsa posojila, predstavlja manj kot 10 % nacionalnega agregatnega obsega vsote vseh posojil v isti kategoriji velikosti posojila in manj kot 2 % obsega poslov v isti kategoriji velikosti posojila in začetnega obdobja določitve obrestne mere na ravni euroobmočja.
If derogations are granted, these thresholds are to be checked on an annual basis.
Če se odstopanja odobrijo, se ti pragovi letno preverjajo.
REPORTING OBLIGATIONS
OBVEZNOSTI POROČANJA
In order to derive aggregates referring to all participating Member States, three levels of aggregation are applied for each of the instrument categories listed in Appendices 1 and 2.
Za ugotovitev agregatov, ki se nanašajo na vse sodelujoče države članice, se uporabijo tri ravni agregiranja za vsako od kategorij instrumentov, navedenih v dodatkih 1 in 2.
Statistical information at the level of the reporting agents
Statistični podatki na ravni poročevalskih enot
The first level of aggregation is carried out by the reporting agents as defined in paragraphs 64 to 69.
Agregiranje na prvi ravni opravijo poročevalske enote, kot je določeno v odstavkih od 64 do 69.
However, NCBs may also ask reporting agents to provide data at the level of individual deposits and loans.
Vendar pa NCB lahko od poročevalskih enot zahtevajo poročanje podatkov na ravni posameznih vlog in posojil.
The data is reported to the NCB of the participating Member State in which the reporting agent is resident.
Podatki se sporočijo NCB sodelujoče države članice, v kateri je poročevalska enota rezident.
If the interest rates on outstanding amounts, i.e. indicators 1 to 14 in Appendix 1, are compiled as a snapshot of end-month observations, then the reporting agents provide a weighted average interest rate referring to the last day of the month for each of the instrument categories.
Če so obrestne mere za stanje zadolženosti,tj. kazalniki od 1 do 14 iz Dodatka 1, pripravljene kotposnetek opažanj ob koncu meseca, poročajo poročevalske enote za vsako kategorijo instrumentov ponderirano povprečno obrestno mero, ki se nanaša na zadnji dan v mesecu.
If the interest rates on outstanding amounts, i.e. indicators 1 to 14 in Appendix 1, are compiled as implicit rates referring to the average of the month, reporting agents provide the accrued interest payable or receivable during the month and the average stock of deposits and loans during the same month for each of the instrument categories.
Če so obrestne mere za stanje zadolženosti,tj. kazalniki od 1 do 14 v Dodatku 1, pripravljene kotimplicitne obrestne mere, , ki se nanašajo na mesečno povprečje, poročajo poročevalske enote za vsako kategorijo instrumentov natekle obresti, plačane ali prejete v mesecu, ter povprečno stanje vlog in posojil v istem mesecu.
If the 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 in Appendix 2, are compiled as a snapshot of end-month observations, then the reporting agents provide a weighted average interest rate referring to the last day of the month for each of the instrument categories.
Če so 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,,tj. kazalniki 1, 5, 6, 7, 12, 23, 32 in 36 iz Dodatka 2, pripravljene kotposnetek opažanj ob koncu meseca,,, poročajo poročevalske enote za vsako kategorijo instrumentov ponderirano povprečno obrestno mero, ki se nanaša na zadnji dan v mesecu
If the 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 in Appendix 2, are compiled as implicit rates referring to the average of the month, then the reporting agents provide the accrued interest payable or receivable during the month and the average stock of deposits and loans during the same month for each of the instrument categories.
Če so 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, , tj. kazalniki 1, 5, 6, 7, 12, 23, 32 in 36 iz Dodatka 2, pripravljene kot implicitne obrestne mere, ki se nanašajo na mesečno povprečje, poročajo poročevalske enote za vsako kategorijo instrumentov natekle obresti, plačane ali prejete v mesecu, ter povprečno stanje vlog in posojil v istem mesecu.
For each of the instrument categories on new business, i.e. indicators 2 to 4, 8 to 11, 13 to 22, 30 to 31, 33 to 35 and 37 to 85 in Appendix 2, reporting agents provide a weighted average interest rate.
Za vsako kategorijo instrumentov za nove posle, tj. kazalnike od 2 do 4, od 8 do 11, od 13 do 22, od 30 do 31, od 33 do 35 in od 37 do 85 iz Dodatka 2, poročajo poročevalske enote ponderirano povprečno obrestno mero.
In addition, reporting agents provide the amount of new business conducted in each instrument category during the month for each of indicators 2 to 4, 8 to 11, 13 to 22, 33 to 35 and 37 to 85 in Appendix 2.
Poleg tega poročevalske enote poročajo znesek novih poslov, opravljenih v posameznih kategorijah instrumentov v mesecu, za vsakega od kazalnikov od 2 do 4, od 8 do 11, od 13 do 22, od 33 do 35 in od 37 do 85 iz Dodatka 2.
Credit and other institutions that are permitted by an NCB to report MFI interest rate statistics together as a group are considered as one reporting agent and provide the data referred to in paragraphs 64 to 66 referring to the group as a whole.
in druge institucije, ki jim določena NCB dovoli poročati statistiko obrestnih mer MFI skupaj kotskupini, štejejo za eno poročevalsko enoto in poročajo podatke, navedene v odstavkih od 64 do 66, ki se nanašajo na skupino kot celoto.
In addition, these reporting agents provide every year the number of reporting institutions within the group and the variance of interest rates across these institutions for each instrument category.
Poleg tega te poročevalske enote vsako leto poročajo število poročevalskih institucij znotraj skupine ter varianco obrestnih mer v teh institucijah za vsako kategorijo instrumentov.
The number of reporting institutions within the group and the variance refer to the month of October and are transmitted with the October data.
Število poročevalskih institucij v skupini in varianca se nanašata na mesec oktober in se posredujeta s podatki za oktober.
National weighted average interest rates
Nacionalne ponderirane povprečne obrestne mere
The second level of aggregation is carried out by the NCBs.
Agregiranje na drugi ravni opravijo NCB.
They aggregate the interest rates and related amounts of business for all their national reporting agents to a national weighted average interest rate for each instrument category.
Agregirajo obrestne mere in z njimi povezane zneske poslovanja za vse svoje nacionalne poročevalske enote v nacionalno ponderirano povprečno obrestno mero za vsako kategorijo instrumentov.
The data are reported to the European Central Bank (ECB).
Podatki se poročajo Evropski centralni banki (ECB).
For each of the instrument categories on outstanding amounts, i.e. indicators 1 to 14 in Appendix 1, NCBs provide a national weighted average interest rate.
Za vsako od kategorij instrumentov za stanje zadolženosti, tj. kazalnike od 1 do 14 iz Dodatka 1, NCB poročajo nacionalno ponderirano povprečno obrestno mero.
For each of the instrument categories on new business, i.e. indicators 1 to 23 and 30 to 85 in Appendix 2, NCBs provide a national weighted average interest rate.
vsako od kategorij instrumentov za nove posle,tj. kazalnike od 1 do 23 in od 30 do 85 iz Dodatka 2, NCB poročajo nacionalno ponderirano povprečno obrestno mero.
In addition, NCBs provide for each of indicators 2 to 4, 8 to 23, 33 to 35 and 37 to 85 in Appendix 2 the amount of new business conducted at national level in each instrument category during the reference month.
Poleg tega NCB za vsakega od kazalnikov od 2 do 4, od 8 do 23, od 33 do 35 in od 37 do 85 iz Dodatka 2 poročajo znesek novih poslov, opravljenih na nacionalni ravni v posameznih kategorijah instrumentov v referenčnem mesecu.
These amounts of new business refer to the population total, i.e. to the entire potential reporting population.
Ti zneski novih poslov se nanašajo na populacijsko vsoto vrednosti, tj. na celotno potencialno poročevalsko populacijo.
Therefore, if a sampling approach is chosen for selecting the reporting agents, expansion factors are used at national level to derive the population total [7].
Zato se, če je za izbiro poročevalskih enot izbran način z vzorčenjem, na nacionalni ravni za ugotovitev skupne populacijske vsote vrednosti uporabijo dejavniki povečanja [7].Dejavniki povečanja so obratni verjetnostim izbire πi, i.e.
The estimated amount of new business for the population total, Ŷ, is then computed by means of the following generic formula:
Ocenjeni znesek novih poslov za populacijsko vsoto vrednosti, , se nato izračuna na podlagi naslednjega splošnega obrazca:
as the amount of new business of institution i, and
znesek novih poslov institucije i in
as probability of selecting institution i.
verjetnost izbire institucije i.
NCBs provide the MFI interest rates on outstanding amounts and on new business to the ECB with a detail of four decimal places.
NCB sporočijo ECB obrestne mere MFI za stanje zadolženosti in za nove posle z natančnostjo štirih decimalk.
This is without prejudice to any decisions taken by the NCBs on the level of detail at which they wish to collect the data.
To ne posega v kakršne koli odločitve NCB o stopnji natančnosti, s katero one želijo zbirati podatke.
The published results do not contain more than two decimal places.
Objavljeni rezultati nimajo več kot dve decimalki .
NCBs document any (changes in) regulatory arrangements affecting MFI interest rate statistics in the methodological notes that are provided with the national data.
NCB dokumentirajo vse ureditvenih sporazume (in njihove spremembe), ki vplivajo na statistiko obrestnih mer MFI, v metodoloških opombah, ki jih predložijo skupaj z nacionalnimi podatki.
NCBs that choose a sampling approach for the selection of the reporting agents provide an estimate of the sampling error for the initial sample.
NCB, ki za izbiro poročevalskih enot izberejo način z vzorčenjem, predložijo oceno napake vzorčenja za začetni vzorec.
A new estimate is provided after each maintenance of the sample.
Nova ocena se predloži po vsakem vzdrževanju vzorca.
Aggregated results for the participating Member States
Agregirani rezultati za sodelujoče države članice
The final level of aggregation of the instrument categories per participating Member State to the level of all participating Member States is carried out by the ECB.
Agregiranje na zadnji ravni za kategorije instrumentov po posameznih sodelujočih državah članicah na ravni vseh sodelujočih držav članic opravi ECB.
TREATMENT OF SPECIFIC PRODUCTS
OBRAVNAVA SPECIFIČNIH PRODUKTOV
The treatment of the products defined in the following paragraphs 78 to 86 is used as a reference for products with similar characteristics.
Obravnava produktov, opredeljenih v naslednjih odstavkih od 78 do 86, se uporabi kot navodilo za produkte s podobnimi značilnostmi
A step-up (step-down) deposit or loan is a deposit or loan with a fixed maturity to which an interest rate is applied that increases (decreases) from year to year by a pre-fixed number of percentage points.
Naraščajoča (padajoča) vloga oziroma naraščajoče (padajoče) posojilo je vloga oziroma posojilo s fiksno določeno zapadlostjo, za katerega se uporablja obrestna mera, ki iz leta v leto narašča (pada) za vnaprej določeno število odstotnih točk.
Step-up (step-down) deposits and loans are instruments with fixed interest rates over the whole maturity.
Naraščajoči (padajoči) vloge in posojila so instrumenti s fiksnimi obrestnimi merami za ves čas zapadlosti.
The interest rate for the whole maturity of the deposit or loan and the other terms and conditions are agreed in advance at time t0 when the contract is signed.
Obrestna mera za celotno zapadlost vloge ali posojila in drugi pogoji se dogovorijo vnaprej v času t0 ob podpisu pogodbe.
In line with paragraph 3, NCBs may request reporting agents to implement the NDER for this type of product.
AAR za nove posle, ki jo statistika obrestnih mer MFI pokriva v času t0 je geometrično povprečje dejavnikov ‘1 + obrestna mera’.Skladno z odstavkom 3 lahko NCB od poročevalskih enot za to vrsto produkta zahtevajo izvajanje NDER.
The AAR on outstanding amounts that is covered from time t0 to t3 is the rate applied by the reporting agent at the time of calculation of the MFI interest rate, i.e. using the example of a deposit with an agreed maturity of four years 5 % at time t0, 7 % at time t1, 9 % at time t2 and 13 % at time t3.
AAR za stanje zadolženosti ki je zajeta od časa t0 do t3je obrestna mera, ki jo poročevalska enota uporablja v času izračuna obrestne mere MFI, tjče uporabimo primer vezane vloge za štiri leta, 5 % v času ,t0 7 % v času t1, 9 % v času t2 in 13 % v času t3.
For the purpose of MFI interest rate statistics, loans taken as part of ‘lines of credit’ have the same meaning as defined in and are classified as in Regulation (EC) No 25/2009 (ECB/2008/32).
Za namene statistike obrestnih mer MFI imajo posojila kot del ‘kreditnih linij’ enak pomen, kakor je določen v Uredbi (ES) št. 25/2009 (ECB/2008/32), in se po isti uredbi tudi razvrščajo.
Only outstanding amounts, i.e. amounts withdrawn and not yet repaid in the context of a credit line are covered as new business and reflected in the MFI interest rate statistics in accordance with paragraph 17.
Samo stanja zadolženosti, tj. črpani in še neodplačani zneski znotraj kreditne linije, so zajeta v novih poslih in upoštevana v statistiki obrestnih mer MFI skladno z odstavkom 17.
Amounts available through a line of credit that have not been withdrawn or have already been repaid are not considered, whether as new business or as outstanding amounts.
Zneski, ki so dostopni preko kreditnih linij, niso pa bili črpani ali so že bili odplačani, se ne upoštevajo, niti kot novi posli niti kot stanja zadolženosti.
An ‘umbrella contract’ allows the customer to draw loans on several types of loan accounts up to a certain maximum amount applying to all loan accounts together.
‘Krovna pogodba’pogodba’ stranki dovoljuje črpanje posojil iz različnih vrst posojilnih računov do določenega najvišjega zneska, ki velja za vse posojilne račune skupaj.
At the time of the agreement on an umbrella contract, the form the loan will take and/or the date at which the loan will be drawn and/or the interest rate are not specified, but a range of possibilities may be agreed.
V času sklenitve krovne pogodbe oblika posojila in/ali datum črpanja posojila in/ali obrestna mera niso določeni, lahko pa se doseže dogovor o nizu možnosti.
Such an umbrella contract is not covered by MFI interest rate statistics.
Takšna krovna pogodba ni zajeta v statistiki obrestnih mer MFI.
However, as soon as a loan agreed under an umbrella contract is drawn, it is covered under the corresponding item in MFI interest rate statistics, both in new business and outstanding amounts.
Vendar pa se, takoj po črpanju posojila, dogovorjenega na podlagi krovne pogodbe, to posojilo zajame v ustrezni postavki statistike obrestnih mer MFI, in sicer med nove posle in med stanja zadolženosti.
The payment depends on the future unknown saving attitude of the household or non-financial corporation.
Izplačilo je odvisno od neznanega varčevalnega razpoloženja gospodinjstva ali nefinančne družbe v prihodnosti.
Hence, if such a fidelity or growth premium is granted by the reporting agent, this is reflected in the statistics on outstanding amounts.
Zato se, če poročevalska enota odobri premijo za zvestobo ali za povečanje, ta premija prikaže v statistiki za stanje zadolženosti.
Loans may be offered to households or non-financial corporations with associated derivative contracts, i.e. an interest rate swap/cap/floor etc. As a convention, such associated derivative contracts shall not be included in the AAR on new business.
Gospodinjstvom ali nefinančnim družbam se lahko ponudijo posojila skupaj s pogodbami o izvedenih finančnih instrumentih,, i.e. an interest rate swap/cap/floor etc. As a convention, such associated derivative contracts shall not be included in the AAR on new business. tj. poslih obrestne zamenjave, zgornji/spodnji omejitvi obresti itd. Takšne pogodbe o izvedenih finančnih instrumentih po dogovoru niso vključene v AAR za nove posle.
The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time of the calculation of MFI interest rates.
AAR za stanje zadolženosti vedno vključuje obrestne mere, ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI.
Hence, if such a derivative contract is exercised and the reporting agent adjusts the interest rate charged to the household or non-financial corporation, this is reflected in the statistics on outstanding amounts.
Zato se, če se takšna pogodba o izvedenih finančnih instrumentih uveljavi in če poročevalska enota prilagodi obrestno mero, zaračunano gospodinjstvom ali nefinančnim družbam, to odraža v statistiki zastanje zadolženosti.
Deposits may be offered comprising two components: a deposit with an agreed maturity to which a fixed interest rate is being applied and an embedded derivative with a return that is linked to the performance of a defined stock exchange index or a bilateral exchange rate, subject to a minimum guaranteed return of 0 %.
Lahko se ponudijo vloge, ki obsegajo dva elementa: vezana vloga, za katero se uporablja fiksna obrestna mera, in vgrajeni izvedeni finančni instrument z donosom, ki je povezan z uspešnostjo določenega borznega indeksa ali dvostranskega menjalnega tečaja, za katerega velja zajamčena minimalna stopnja donosa v višini 0 %.
The maturity of both components may be the same or may differ.
Oba elementa imata lahko enako ali različno zapadlost.
The AAR on new business covers the interest rate for the deposit with agreed maturity, as it reflects the agreement between the depositor and the reporting agent and it is known when the money is placed.
AAR za nove posle zajema obrestno mero za vezane vloge, ker odraža dogovor med deponentom in poročevalsko enoto in je znana ob vplačilu denarja.
The return on the other component of the deposit, linked to the performance of a stock exchange index or a bilateral exchange rate, is only known ex post when the product matures and therefore cannot be covered by the new business rate.
Donos drugega elementa vloge, ki je povezan z uspešnostjo borznega indeksa ali dvostranskega menjalnega tečaja, je znan samo ex post ob zapadlosti produkta in zato ne more biti zajet v obrestno mero za nove posle.
Hence, only the guaranteed minimum return (usually 0 %) is covered.
Zato se zajame samo zajamčena minimalna stopnja donosa (običajno v višini 0 %).
The AAR on outstanding amounts always covers the interest rate applied by the reporting agent at the time of the calculation of MFI interest rates.
AAR za stanje zadolženosti vedno vključuje obrestne mere, ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI.
Until the day of maturity, the rate on the deposit with agreed maturity is captured as well as the guaranteed minimum return on the deposit containing the embedded derivative.
Do dneva zapadlosti se zajame obrestna mera za vezano vlogo kakor tudi zajamčena minimalna stopnja donosa za vloge, ki vsebujejo vgrajeni izvedeni finančni instrument.
Only at maturity do the MFI interest rates on outstanding amounts reflect the AAR that is paid by the reporting agent.
Obrestne mere MFI za stanje zadolženosti odražajo AAR, ki jo plača poročevalska enota, šele ob zapadlosti.
Deposits with a maturity of over two years as defined in Part 2 of Annex II to Regulation (EC) No 25/2009 (ECB/2008/32) may contain pension savings accounts.
Vezane vloge nad dvema letoma, kakor so opredeljene v Delu 2, Priloge II k Uredbi (ES) št. 25/2009 (ECB/2008/32), lahko obsegajoračune pokojninskega varčevanja.
The main part of pension savings accounts may be placed in securities and the interest rate on the accounts then depends on the yield of the underlying securities.
Glavni del računov pokojninskega varčevanja je lahko naložen v vrednostne papirje, zato je obrestna mera za te račune odvisna od donosa osnovnih vrednostnih papirjev.
The remaining part of pension savings accounts may be held in cash and the interest rate determined by the credit or other institution in the same way as for other deposits.
Preostali del računov pokojninskega varčevanja se lahko vodi v gotovini, obrestno mero pa določata kreditna ali druga institucija na enak način kot za druge vloge.