natgillin/translations-raw huggingface dataset:
The additional reporting of new loans to non-financial corporations according to maturity should make it easier to distinguish rates applied to short and long-term financing.
Dodatno poročanje novih posojil nefinančnim družbam glede na zapadlost bi moralo olajšati razlikovanje obrestnih mer za kratkoročno in za dolgoročno financiranje.
Clarification, redefinition and a more direct link to Regulation (EC) No 25/2009 of the European Central Bank of 19 December 2008 concerning the balance sheet of the monetary financial institutions sector (recast) (ECB/2008/32) [3] is necessary in respect of revolving loans and overdrafts.
Posojila revolving in prekoračitve stanja na računih je treba pojasniti, ponovno opredeliti in bolj neposredno povezati z Uredbo Evropske centralne banke (ES) št. 25/2009 (ECB/2008/32) z dne 19. decembra 2008 o bilanci stanja sektorja denarnih finančnih institucij (preoblikovano) [3].
It is also necessary to adopt clearer rules in respect of stratification and selection of reporting agents by the national central banks (NCBs) and to specify the right of the Governing Council to check such procedures,
Prav tako je treba sprejeti bolj jasna pravila za stratifikacijo in izbiro poročevalskih enot s strani nacionalnih centralnih bank (NCB) ter določiti pravico Sveta ECB, da preveri takšne postopke –
The Governing Council shall be entitled to check compliance with Annex I.’
Svet ECB ima pravico, da preveri skladnost s Prilogo I.“
Annex IV is replaced by Annex III to this Regulation.
Priloga IV se nadomesti s Prilogo III k tej uredbi.
Article 1(3) shall apply from 1 June 2010.
Člen 1(3) se uporablja od 1. junija 2010.
Done at Frankfurt am Main on 31 March 2009.
V Frankfurtu na Majni, 31. marca 2009
Annex I to Regulation (EC) No 63/2002 (ECB/2001/18) is amended as follows
Priloga I k Uredbi (ES) št. 63/2002 (ECB/2001/18) se spremeni, kot sledi:
Paragraph 7 of Section III of Part 1 is replaced by the following:
Odstavek 7 v oddelku III Dela 1 se nadomesti z naslednjim:
NCBs define stratification criteria that allow the subdivision of the potential reporting population into homogeneous strata.
NCB določijo merila za stratifikacijo, ki omogočajo razdelitev potencialne poročevalske populacije na homogene stratume.
Strata are considered homogeneous if the sum of the intra-stratum variances of the sampling variables is substantially lower than the total variance in the entire actual reporting population.
Stratumi se štejejo za homogene, če je vsota varianc vzorčnih spremenljivk med stratumi bistveno manjša od skupne variance v celotni dejanski poročevalski populaciji.
The stratification criteria are linked to MFI interest rate statistics, i.e. there is a relationship between the stratification criteria and the interest rates and amounts that are to be estimated from the sample.
Merila za stratifikacijo so povezana s statistiko obrestnih mer MFI, tj. obstaja razmerje med merili za stratifikacijo in obrestnimi merami ter zneski, ki jih je treba oceniti na podlagi vzorca.
Paragraph 16 of Section V of Part 1 is replaced by the following:
Odstavek 16 v oddelku V Dela 1 se nadomesti z naslednjim:
Each NCB chooses the most appropriate allocation of the national sample size n among the strata.
Vsaka NCB izbere najustreznejšo razmestitev obsega nacionalnega vzorca n med stratumi.
Hence each NCB defines how many reporting agents nh are drawn from the total of credit institutions and other institutions Nh in each stratum.
Zato vsaka NCB določi, koliko poročevalskih enot nh se vzame izmed vseh kreditnih institucij in drugih institucij Nh v vsakem stratumu.
The sampling rate nh/Nh for each stratum h permits the estimation of the variance of each stratum.
Stopnja vzorčenja nh/Nh za vsak stratum h dovoljuje ocenjevanje variance vsakega stratuma.
This implies that at least two reporting agents are selected from each stratum.’
To pomeni, da se iz vsakega stratuma izbereta vsaj dve poročevalski enoti.“
Paragraph 20 of Section V of Part 1 is replaced by the following:
Odstavek 20 v oddelku V Dela 1 se nadomesti z naslednjim:
If an NCB decides on a census of all credit institutions and other institutions in a stratum, the NCB may sample in that stratum at the level of branches.
Če se NCB odloči za popis vseh kreditnih in drugih institucij v stratumu, lahko v tem stratumu vzorči na ravni podružnic.
The precondition is that the NCB has a full list of branches that covers all the business of the credit and other institutions in the stratum, and has appropriate data in order to assess the variance of interest rates on new business vis-à-vis households and non-financial corporations across branches.
Predpogoj za to je, da ima NCB popoln seznam podružnic, ki zajema celotno poslovanje kreditnih in drugih institucij v stratumu, in da ima ustrezne podatke za ocenitev variance obrestnih mer za nove posle v razmerju do gospodinjstev in nefinančnih družb po podružnicah.
For the selection and maintenance of the branches all of the requirements laid down in this Annex apply.
Za izbiro in vzdrževanje podružnic veljajo vse zahteve, določene v tej prilogi.
The selected branches become notional reporting agents subject to all of the reporting requirements laid down in Annex II.
Izbrane podružnice postanejo namišljene poročevalske enote, za katere veljajo vse zahteve za poročanje, določene v Prilogi II.
This procedure is without prejudice to the obligation of credit or other institutions to which branches belong to be reporting agents.’
Ta postopek ne posega v obveznost kreditnih ali drugih institucij, v katerih lasti so podružnice, da so poročevalske enote.“
i.e. the sum of the intra-stratum variances defined asΣ hΣieh1nxi – xh–2 is to be substantially lower than the total variance of the reporting population defined as Σni=l1nxi – x–2, where h indicates each stratum, xi the interest rate for institution i, x–h the simple average interest rate of stratum h, n the total number of institutions in the sample and x– the simple average of interest rates of all institutions in the sample.’
Tj. vsota varianc med stratumi, ki je opredeljena kotΣ hΣieh1nxi – xh–2 mora biti bistveno manjša od skupne variance poročevalske populacije, ki je opredeljena kot t Σni=l1nxi – x–2, pri čemer h označuje vsakega od stratumov, xi obrestno mero za institucijo i, x–h navadno povprečje obrestnih mer stratuma h, n skupno število institucij v vzorcu in x– navadno povprečje obrestnih mer vseh institucij v vzorcu.“
REPORTING SCHEME FOR MONETARY FINANCIAL INSTITUTION INTEREST RATE STATISTICS
SISTEM POROČANJA ZA STATISTIKO OBRESTNIH MER MONETARNIH FINANČNIH INSTITUCIJ
PART 1
Del 1
TYPE OF RATE
Vrste obrestnih mer
Annualised agreed rate
Dogovorjena letna obrestna mera
The AAR covers all interest payments on deposits and loans, but no other charges that may apply.
AAR zajema vsa plačila obresti za vloge in posojila, ne pa tudi druge stroške, ki se lahko zaračunajo.
Disagio, defined as the difference between the nominal amount of the loan and the amount received by the customer, is considered as an interest payment at the start of the contract (time t0) and is therefore reflected in the AAR.
Disagio, ki se opredeli kot razlika med nominalnim zneskom posojila in zneskom, ki ga prejme stranka, se šteje kot plačilo obresti ob začetku veljavnosti pogodbe (čas t0) in se zato odraža v AAR.
If interest payments agreed between the reporting agent and the household or non-financial corporation are capitalised at regular intervals within a year, for example per month or quarter rather than per annum, the agreed rate is annualised by means of the following formula to derive the annualised agreed rate:
Če se plačila obresti, dogovorjena med poročevalsko enoto in gospodinjstvom ali nefinančno družbo, kapitalizirajo v rednih časovnih presledkih med letom, na primer mesečno ali četrtletno namesto letno, se dogovorjena obrestna mera preračuna na letno osnovo po naslednjem obrazcu, da se tako dobi anualizirana dogovorjena obrestna mera:
with:
kjer je
x as the AAR,
x kot AAR,
as the interest rate per annum that is agreed between the reporting agents and the household or non-financial corporation for a deposit or loan where the dates of the interest capitalisation of the deposit and all the payments and repayments of the loan are at regular intervals within the year, and
kot letno obrestno mero, ki je dogovorjena med poročevalsko enoto in gospodinjstvom ali nefinančno družbo za vlogo ali posojilo, kadar so datumi kapitalizacije obresti za vlogo in vsa plačila in vračila posojila v rednih časovnih presledkih med letom, in
n as the number of interest capitalisation periods for the deposit and (re)payment periods for the loan per year, i.e. 1 for yearly payments, 2 for semi-annual payments, 4 for quarterly payments and 12 for monthly payments.
n kot številom obdobij kapitalizacije obresti za vlogo in obdobij plačila oziroma vračila posojila na leto, tj. 1 za letna plačila, 2 za polletna plačila, 4 za četrtletna plačila in 12 za mesečna plačila
National central banks (NCBs) may require their reporting agents to provide the narrowly defined effective rate (NDER) for all or some deposit and loan instruments referring to new business and outstanding amounts, instead of the AAR.
centralne banke (NCB) lahko od svojih poročevalskih enot zahtevajo, da namesto AAR za vse ali za nekatere depozitne in posojilne instrumente, ki se nanašajo na nove posle in stanja zadolženosti, poročajo natančno določeno efektivno obrestno mero (narrowly defined effective rate ).
The NDER is defined as the interest rate, on an annual basis, that equalises the present value of all commitments other than charges (deposits or loans, payments or repayments, interest payments), future or existing, agreed by the reporting agents and the household or non-financial corporation.
NDER se določi kot obrestna mera na letni osnovi, ki izravnava sedanjo vrednost vseh obveznosti razen stroškov (vlog ali posojil, plačil ali vračil, plačil obresti), prihodnjih ali obstoječih, ki so dogovorjene med poročevalskimi enotami in gospodinjstvom ali nefinančno družbo.
The NDER is equivalent to the interest rate component of the annual percentage rate of charge (APRC) as defined in Article 3(i) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC [1].
NDER je enaka komponenti obrestnih mer vefektivni obrestni meri (annual percentage rate of charge APRC) kakor je opredeljena v členu 3(i) Direktive 2008/48/ES Evropskega parlamenta in Sveta z dne 23. aprila 2008 o potrošniških kreditnih pogodbah in razveljavitvi Direktive Sveta 87/102/EGS [1].
The only difference between the NDER and the AAR is the underlying method for annualising interest payments.
Edina razlika med NDER in AAR je v osnovnem načinu letnega izračuna plačila obresti.
The NDER uses successive approximation and can therefore be applied to any type of deposit or loan, whereas the AAR uses the algebraic formula defined in paragraph 2 and is therefore only applicable to deposits and loans with regular capitalisation of interest payments.
Pri NDER se uporablja postopno približevanje in se zato lahko nanaša na katero koli vrsto vlog ali posojil, medtem ko se pri AAR uporablja algebraični obrazec iz odstavka 2 in se potemtakem nanaša samo za vloge in posojila z redno kapitalizacijo plačila obresti.
All other requirements are identical, which means that references in the remainder of this Annex to the AAR also apply to the NDER.
Vse ostale zahteve so enake, kar pomeni, da se sklicevanja na AAR v preostalem delu te priloge nanašajo tudi na NDER.
Treatment of taxes, subsidies and regulatory arrangements
Obravnavanje davkov, subvencij in ureditvenih sporazumov
The interest payments covered in the AAR reflect what the reporting agent pays on deposits and receives for loans.
Plačila obresti, zajeta z AAR, odražajo zneske, ki jih poročevalska enota plača za vloge in prejme za posojila.
Where the amount paid by one party and received by the other differs, the point of view of the reporting agent determines the interest rate reported for the purposes of monetary financial institution (MFI) interest rate statistics.
Kadar se znesek, ki ga plača ena stranka, prejme pa druga, razlikuje, se obrestna mera, ki se poroča za namene statistike obrestnih mer monetarnih finančnih institucij (MFI), določi na podlagi stališča poročevalske enote
Following this principle, interest rates are recorded on a gross basis before tax, since the pre-tax interest rates reflect what reporting agents pay on deposits and receive for loans.
Ob upoštevanju tega načela se obrestne mere evidentirajo na bruto osnovi pred plačilom davka, ker obrestne mere pred davkom odražajo zneske, ki jih poročevalske enote plačajo za vloge in prejmejo za posojila.
Furthermore, subsidies granted to households or non-financial corporations by third parties are not taken into account when determining the interest payment, because the subsidies are not paid or received by the reporting agent.
Razen tega se subvencije, ki so jih gospodinjstvom ali nefinančnim družbam podelile tretje osebe, pri določanju plačila obresti ne upoštevajo, ker subvencij ne plača oziroma ne prejme poročevalska enota.
Favourable rates that reporting agents apply to their employees are covered by MFI interest rate statistics.
Ugodne obrestne mere, ki jih poročevalske enote zaračunavajo svojim zaposlenim, so zajete v statistiki obrestnih mer MFI.
Where regulatory arrangements affect interest payments, for example interest rate ceilings or the prohibition of remuneration of overnight deposits, these are reflected in MFI interest rate statistics.
Kadar ureditveni sporazumi vplivajo na plačila obresti, na primer zgornjo mejo obrestnih mer ali prepoved obrestovanja vlog čez noč, so zajeti v statistiki obrestnih mer MFI.
Any change in the rules determining regulatory arrangements, for example the level of administered interest rates or interest rate ceilings, is shown in MFI interest rate statistics as a change in the interest rate.
Kakršna koli sprememba pravil, ki določajo ureditvene sporazume, na primer višino nadzorovanih obrestnih mer ali zgornjo mejo obrestnih mer, se prikaže v statistiki obrestnih mer MFI kot sprememba obrestnih mer.
Annual percentage rate of charge
Letni odstotek obresti
In addition to AARs, the reporting agents provide the APRC for new business in respect of consumer credit and loans to households for house purchases, i.e.:
Poročevalske enote poleg AAR poročajo APRC za nove posle v zvezi s potrošniškimi posojili in stanovanjskimi posojili gospodinjstvom, in sicer:
one APRC for new consumer credit (see indicator 30 in Appendix 2), and
en APRC za nova potrošniška posojila (glej kazalnik 30 v Dodatku 2) in
one APRC for new loans to households for house purchases (see indicator 31 in Appendix 2) [2].
en APRC za nova stanovanjska posojila gospodinjstvom (glej kazalnik 31 v Dodatku 2) [2].
The APRC covers the ‘total costs of the credit to the consumer’, as defined in Article 3(g) of Directive 2008/48/EC.
APRC se nanaša na ‘skupne stroške kredita za potrošnika’, kakor jih opredeljuje člen 3(g) Direktive 2008/48/ES.
These total costs comprise an interest rate component and a component of other (related) charges, such as the cost of inquiries, administration, preparation of the documents, guarantees, credit insurance, etc.
Ti skupni stroški obsegajo komponento obrestnih mer in komponento drugih (povezanih) stroškov, kot so stroški poizvedovanja, upravljanja, priprave dokumentacije, jamstev, zavarovanja posojil itd.
The composition of the component of other charges may vary across countries, because the definitions in Directive 2008/48/EC are applied differently, and because national financial systems and the procedure for securing credits differ.
Sestava komponent drugih stroškov se lahko od države do države razlikuje zaradi različne uporabe opredelitev iz Direktive 2008/48/ES in zaradi razlik v nacionalnih finančnih sistemih in postopkih zavarovanja posojil.
Convention
Dogovor
Reporting agents apply a standard year of 365 days for the compilation of the AAR, i.e. the effect of an additional day in leap years is ignored.
Poročevalske enote pri določanju AAR uporabijo standardno leto, ki šteje 365 dni, tj. pri tem ne upoštevajo dodatnega dne v prestopnem letu.
PART 2
Del 2
BUSINESS COVERAGE
Poročanje o poslih
Reporting agents provide MFI interest rate statistics referring to outstanding amounts and to new business.
Poročevalske enote zagotovijo statistiko obrestnih mer MFI, ki se nanaša na stanje zadolženosti in nove posle.
Interest rates on outstanding amounts
Obrestne mere za stanje zadolženosti
Outstanding amounts are defined as the stock of all deposits placed by households and non-financial corporations with the reporting agent and the stock of all loans granted by the reporting agent to households and non-financial corporations.
Stanje zadolženosti se opredeli kot stanje vseh vlog gospodinjstev in nefinančnih družb pri poročevalski enoti in kot stanje vseh posojil, ki jih je poročevalska enota odobrila gospodinjstvom in nefinančnim družbam.
An interest rate on outstanding amounts reflects the weighted average interest rate applied to the stock of deposits or loans in the relevant instrument category as at the time reference point as defined in paragraph 26.
Obrestna mera za stanje zadolženosti odraža ponderirano povprečno obrestno mero, ki se uporablja za stanja vlog ali posojil v ustrezni kategoriji instrumentov v referenčni časovni točki, kakor je določena v odstavku 26.
The weighted average interest rate is the sum of the AAR multiplied by the corresponding outstanding amounts and divided by the total outstanding amounts.
Ponderirana povprečna obrestna mera je vsota AAR, pomnožena z odgovarjajočim stanjem zadolženosti in deljena s celotnim stanjem zadolženosti.
It covers all outstanding contracts that have been agreed in all the periods prior to the reference date.
Nanaša se na vse odprte pogodbe, ki so bile dogovorjene v vseh časovnih obdobjih pred referenčnim datumom.
Bad loans are not included in the weighted average interest rates.
Slaba posojila niso vključena v ponderirano povprečno obrestno mero.
Bad loans are defined in accordance with Annex II to Regulation (EC) No 25/2009 of the European Central Bank of 19 December 2008 concerning the balance sheet of the monetary financial institutions sector (recast) (ECB/2008/32) [3].
Slaba posojila so opredeljena v skladu s Prilogo II k Uredbi Evropske centralne banke (ES) št. 25/2009 (ECB/2008/32) z dne 19. decembra 2008 o bilanci stanja sektorja denarnih finančnih institucij (preoblikovano) [3].
The total amount of a loan partially or totally classified as a bad loan is excluded from interest rates statistics.
Skupni znesek posojila, ki je delno ali v celoti razvrščeno kot slabo posojilo, je izključen iz statistike obrestnih mer.
Loans for debt restructuring at rates below market conditions, i.e. debt restructuring in relation to financially distressed debtors, are also excluded from interest rates statistics.
Posojila za prestrukturiranje dolga po obrestnih merah, ki so nižje od tržnih, tj. prestrukturiranje dolga dolžnikov v finančni stiski, so prav tako izključena iz statistike obrestnih mer.
New business on overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts
Novi posli glede vlog čez noč, vlog na odpoklic z odpovednim rokom, dolga po kreditnih karticah in posojil revolving ter prekoračitev stanj na računih
In the case of overnight deposits, deposits redeemable at notice, (extended and convenience) credit card debt (also referred to as credit card credit) and revolving loans and overdrafts as defined in paragraphs 42 to 45 and 51, the concept of new business is extended to the whole stock.
V primeru vlog čez noč, vlog na odpoklic z odpovednim rokom, dolga (obrestovanega in z odloženim brezobrestnim plačilom) po kreditnih karticah (imenovanega tudi posojilo po kreditnih karticah) in posojil revolving ter prekoračitev stanj na računih, kakor so opredeljeni v odstavkih 42 do 45 in 51, se pojem novih poslov razširi na celotno stanje.
Hence, the debit or credit balance, i.e. the amount outstanding at the time reference point as defined in paragraph 29, is used as an indicator for new business on overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts.
Zato se stanje v breme ali v dobro, tj. stanje zadolženosti v referenčni časovni točki, kakor je določena v odstavku 29, uporabi kot kazalnik za nove posle za vloge čez noč, vloge na odpoklic z odpovednim rokom, za dolg po kreditnih karticah in posojila revolving ter za prekoračitve stanj na računih. .
The interest rates for overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts reflect the weighted average interest rate applied to the stock on these accounts at the time reference point as defined in paragraph 29.
Obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, dolg po kreditnih karticah in posojila revolving ter za prekoračitve stanj na računih odražajo ponderirano povprečno obrestno mero, ki se uporablja za stanje omenjenih računov v referenčni časovni točki, kakor je določena v odstavku 29.
They cover the current balance sheet positions of all outstanding contracts that have been agreed in all the periods prior to the reference date.
Zajemajo tekoče bilančne pozicije vseh odprtih pogodb, ki so bile dogovorjene v vseh časovnih obdobjih pred referenčnim datumom
In order to calculate MFI interest rates on accounts that can either be a deposit or a loan, depending on their balance, reporting agents distinguish between the periods with a credit balance and the periods with a debit balance.
Za izračun obrestnih mer MFI za račune, ki lahko predstavljajo bodisi vlogo bodisi posojilo, odvisno od stanja, poročevalske enote razlikujejo med obdobji s stanjem v dobro in obdobji s stanjem v breme.
The reporting agents report weighted average interest rates referring to the credit balances as overnight deposits and weighted average interest rates referring to the debit balances as overdrafts.
Poročevalske enote poročajo ponderirane povprečne obrestne mere, ki se nanašajo na stanja v dobro, kot vloge čez noč in ponderirane povprečne obrestne mere, ki se nanašajo na stanja v breme, kot prekoračitve stanj na računih.
They do not report weighted average interest rates combining (low) overnight deposit rates and (high) overdraft rates.
Ne poročajo ponderiranih povprečnih obrestnih mer, ki združujejo (nizke) obrestne mere za vloge čez noč in (visoke) obrestne mere za prekoračitve stanja na računih.
New business in instrument categories other than overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts
Novi posli v kategorijah instrumentov razen vlog čez noč, vlog na odpoklic z odpovednim rokom, dolga po kreditnih karticah in posojil revolving ter prekoračitev stanj na računih
The following paragraphs 21 to 25 refer to deposits with agreed maturity, repos and all loans other than revolving loans and overdrafts and credit card debt as defined in paragraphs 42 to 45 and 51.
Naslednji odstavki 21 do 25 se nanašajo na vezane vloge, repo posle in vsa posojila razen posojil revolving in prekoračitev stanj na računih ter dolga po kreditnih karticah, kakor je določeno v odstavkih 42 do 45 in 51.
New business is defined as any new agreement between the household or non-financial corporation and the reporting agent.
Novi posel se opredeli kot kakršen koli nov dogovor med gospodinjstvom ali nefinančno družbo in poročevalsko enoto.
New agreements comprise:
Novi dogovori obsegajo:
all financial contracts, that specify for the first time the interest rate of the deposit or loan, and
vse finančne pogodbe, s katerimi se prvič določi obrestna mera za vlogo ali posojilo, in
all new negotiations of existing deposits and loans.
vsa nova pogajanja o obstoječih vlogah ali posojilih