natgillin/translations-raw huggingface dataset:
Where the provisions in Sections 2 and 3 are met, institutions may amend the calculation of risk-weighted exposure amounts under the Standardised Approach and the calculation of risk-weighted exposure amounts and expected loss amounts under the IRB Approach in accordance with the provisions of Sections 4, 5 and 6.
Kadar se upoštevajo določbe oddelkov 2 in 3, lahko institucije spremenijo izračun zneskov tveganju prilagojenih izpostavljenosti na podlagi standardiziranega pristopa in izračun zneskov tveganju prilagojenih izpostavljenosti ter zneskov pričakovanih izgub na podlagi pristopa IRB v skladu z določbami oddelkov 4, 5 in 6.
Institutions shall treat cash, securities or commodities purchased, borrowed or received under a repurchase transaction or securities or commodities lending or borrowing transaction as collateral.
Institucije denarna sredstva, vrednostne papirje ali blago, kupljene, izposojene ali prejete na podlagi repo posla ali posla posoje/izposoje vrednostnih papirjev ali blaga, obravnavajo kot zavarovanje s premoženjem.
Where an institution calculating risk-weighted exposure amounts under the Standardised Approach has more than one form of credit risk mitigation covering a single exposure it shall do both of the following:
Kadar institucija, ki izračunava znesek tveganju prilagojenih izpostavljenosti na podlagi standardiziranega pristopa, uporablja več kot eno obliko zmanjševanja kreditnega tveganja za eno samo izpostavljenost, stori naslednje:
subdivide the exposure into parts covered by each type of credit risk mitigation tool;
razdeli izpostavljenost na dele, ki jih krije posamezna oblika zmanjševanja kreditnega tveganja;
calculate the risk-weighted exposure amount for each part obtained in point (a) separately in accordance with the provisions of Chapter 2 and this Chapter.
za vsak del iz točke (a) ločeno izračuna znesek tveganju prilagojenih izpostavljenosti v skladu z določbami poglavja 2 in tega poglavja.
When an institution calculating risk-weighted exposure amounts under the Standardised Approach covers a single exposure with credit protection provided by a single protection provider and that protection has differing maturities, it shall do both of the following:
Kadar institucija, ki izračunava znesek tveganju prilagojenih izpostavljenosti na podlagi standardiziranega pristopa, krije eno samo izpostavljenost s kreditnim zavarovanjem, ki ga zagotovi en sam izdajatelj zavarovanja, navedeno zavarovanje pa ima različne zapadlosti, stori naslednje:
subdivide the exposure into parts covered by each credit risk mitigation tool;
razdeli izpostavljenost na dele, ki jih krije posamezna oblika zmanjševanja kreditnega tveganja;
Principles governing the eligibility of credit risk mitigation techniques
Načela glede primernosti tehnik za zmanjševanje kreditnega tveganja
The technique used to provide the credit protection together with the actions and steps taken and procedures and policies implemented by the lending institution shall be such as to result in credit protection arrangements which are legally effective and enforceable in all relevant jurisdictions.
Tehnika, ki se uporablja za zagotavljanje kreditnega zavarovanja, skupaj s sprejetimi ukrepi ter postopki in politikami, ki jih izvaja posojilna institucija, je taka, da zagotavlja pravno učinkovite ureditve kreditnega zavarovanja, ki so izvršljive v vseh ustreznih jurisdikcijah.
The lending institution shall provide, upon request of the competent authority, the most recent version of the independent, written and reasoned legal opinion or opinions that it used to establish whether its credit protection arrangement or arrangements meet the condition laid down in the first subparagraph.
Posojilna institucija na zahtevo pristojnega organa zagotovi najnovejšo različico neodvisnega, pisnega in obrazloženega pravnega mnenja oziroma mnenj, ki se uporabljajo za ugotovitev, ali njena ureditev oziroma ureditve kreditnega zavarovanja izpolnjujejo pogoje iz prvega pododstavka.
The lending institution shall take all appropriate steps to ensure the effectiveness of the credit protection arrangement and to address the risks related to that arrangement.
Posojilna institucija sprejme vse ustrezne ukrepe, da zagotovi učinkovitost ureditve kreditnega zavarovanja in obravnavanje tveganj, povezanih z navedeno ureditvijo.
Institutions may recognise funded credit protection in the calculation of the effect of credit risk mitigation only where the assets relied upon for protection meet both of the following conditions:
Institucije lahko pri izračunu učinka zmanjševanja kreditnega tveganja priznajo stvarno kreditno zavarovanje le če sredstva na katere se zanaša za zavarovanje izpolnjujejo oba naslednja pogoja:
they are included in the list of eligible assets set out in Articles 197 to 200, as applicable;
vključena so v seznam primernih sredstev iz členov 197 do 200, kot je ustrezno; in
they are sufficiently liquid and their value over time sufficiently stable to provide appropriate certainty as to the credit protection achieved having regard to the approach used to calculate risk-weighted exposure amounts and to the degree of recognition allowed.
so dovolj likvidna, njihova vrednost pa je dalj časa dovolj stabilna, da zagotavlja primerno gotovost glede doseženega kreditnega zavarovanja, ob upoštevanju pristopa, uporabljenega za izračun zneskov tveganju prilagojenih izpostavljenosti, in stopnje dovoljenega priznavanja.
Institutions may recognise funded credit protection in the calculation of the effect of credit risk mitigation only where the lending institution has the right to liquidate or retain, in a timely manner, the assets from which the protection derives in the event of the default, insolvency or bankruptcy — or other credit event set out in the transaction documentation — of the obligor and, where applicable, of the custodian holding the collateral.
Institucije lahko pri izračunu učinka zmanjševanja kreditnega tveganja priznajo stvarno kreditno zavarovanje, kadar ima posojilna institucija pravico, da v primeru neplačila, insolventnosti ali stečaja oziroma v primeru drugega kreditnega dogodka iz dokumentacije o poslu dolžnika in, če je primerno, skrbnika zavarovanja s premoženjem pravočasno unovči ali zadrži sredstva, iz katerih izhaja zavarovanje.
The degree of correlation between the value of the assets relied upon for protection and the credit quality of the obligor shall not be too high.
Stopnja korelacije med vrednostjo sredstev, na katera se zanaša za zavarovanje, in kreditno kakovostjo dolžnika, ne sme biti previsoka.
In the case of unfunded credit protection, a protection provider shall qualify as an eligible protection provider only where the protection provider is included in the list of eligible protection providers set out in Article 201 or 202, as applicable.
V primeru osebnega kreditnega zavarovanja se dajalec zavarovanja šteje za primernega dajalca zavarovanja samo, če je dajalec zavarovanja vključen v seznam primernih dajalcev zavarovanja iz člena 201 ali 202, kakor je ustrezno.
In the case of unfunded credit protection, a protection agreement shall qualify as an eligible protection agreement only where it meets both the following conditions:
V primeru osebnega kreditnega zavarovanja se dogovor o zavarovanju šteje za primeren dogovor o zavarovanju samo, če izpolnjuje naslednje pogoje:
it is included in the list of eligible protection agreements set out in Articles 203 and 204(1);
vključen je v seznam primernih dogovorov o zavarovanju iz členov 203 in 204(1);
it is legally effective and enforceable in the relevant jurisdictions, to provide appropriate certainty as to the credit protection achieved having regard to the approach used to calculate risk-weighted exposure amounts and to the degree of recognition allowed;
je pravno učinkovit in izvršljiv v vseh ustreznih jurisdikcijah, tako da zagotavlja primerno gotovost glede doseženega kreditnega zavarovanja, ob upoštevanju pristopa, uporabljenega za izračun zneskov tveganju prilagojenih izpostavljenosti, in stopnje dovoljenega priznavanja;
the protection provider meets the criteria laid down in paragraph 5.
dajalec zavarovanja izpolnjuje merili iz odstavka 5.
Credit protection shall comply with the requirements set out in Section 3, as applicable.
Kreditno zavarovanje je v skladu z ustreznimi zahtevami iz oddelka 3.
An institution shall be able to demonstrate to competent authorities that it has adequate risk management processes to control those risks to which it may be exposed as a result of carrying out credit risk mitigation practices.
Institucija mora biti pristojnim organom sposobna dokazati, da ima ustrezne postopke upravljanja tveganj za nadzor tistih tveganj, katerim bi lahko bila izpostavljena zaradi izvajanja postopkov zmanjševanja kreditnega tveganja.
Notwithstanding the fact that credit risk mitigation has been taken into account for the purposes of calculating risk-weighted exposure amounts and, where applicable, expected loss amounts, institutions shall continue to undertake a full credit risk assessment of the underlying exposure and be in a position to demonstrate the fulfilment of this requirement to the competent authorities.
Institucije ne glede na to, da se je zmanjševanja kreditnega tveganja upoštevalo za namene izračuna zneskov tveganju prilagojenih izpostavljenosti in, kjer je ustrezno, zneskov pričakovanih izgub, še naprej izvajajo oceno celotnega kreditnega tveganja osnovne izpostavljenosti in so sposobne dokazati pristojnim organom, da je ta zahteva izpolnjena.
In the case of repurchase transactions and securities lending or commodities lending or borrowing transactions the underlying exposure shall, for the purposes of this paragraph only, be deemed to be the net amount of the exposure.
V primeru repo poslov ali poslov posoje/izposoje vrednostnih papirjev ali blaga se samo za namene tega odstavka kot osnovna izpostavljenost šteje neto znesek izpostavljenosti.
EBA shall develop draft regulatory technical standards to specify what constitutes sufficiently liquid assets and when asset values can be considered as sufficiently stable for the purpose of paragraph 3.
EBA pripravi osnutke regulativnih tehničnih standardov za določitev: kaj pomenijo dovolj likvidna sredstva in kdaj se vrednost sredstev šteje za dovolj stabilno za namen odstavka 3;
EBA shall submit those draft regulatory technical standards to the Commission by 30 September 2014.
EBA predloži Komisiji navedene osnutke regulativnih tehničnih standardov do 30. septembra 2014.
Eligible forms of credit risk mitigation
Primerne oblike zmanjševanja kreditnega tveganja
An institution may use on-balance sheet netting of mutual claims between itself and its counterparty as an eligible form of credit risk mitigation.
Institucija lahko kot primerno obliko zmanjševanja kreditnega tveganja uporablja bilančni pobot medsebojnih terjatev med institucijo in njeno nasprotno stranko.
Without prejudice to Article 196, eligibility is limited to reciprocal cash balances between the institution and the counterparty.
Brez poseganja v člen 196 je primernost omejena na vzajemna stanja denarnih sredstev med institucijo in nasprotno stranko.
Institutions may amend risk-weighted exposure amounts and, as relevant, expected loss amounts only for loans and deposits that they have received themselves and that are subject to an on-balance sheet netting agreement.
Institucije lahko spremenijo zneske tveganju prilagojenih izpostavljenosti in, če je primerno, zneske pričakovanih izgub samo za kredite invloge, ki so jih prejele same ter za katere velja pogodba o bilančnem pobotu.
Article 196
člen 196
Master netting agreements covering repurchase transactions or securities or commodities lending or borrowing transactions or other capital market-driven transactions
Okvirni pogodbe o pobotu, ki zajemajo repo posle ali posle posoje/izposoje vrednostnih papirjev ali blaga ali druge posle z instrumenti kapitalskega trga
Institutions adopting the Financial Collateral Comprehensive Method set out in Article 223 may take into account the effects of bilateral netting contracts covering repurchase transactions, securities or commodities lending or borrowing transactions, or other capital market-driven transactions with a counterparty.
Institucije, ki uporabljajo razvito metodo za izračun učinkov zavarovanja s finančnim premoženjem iz člena 223, lahko upoštevajo učinke dvostranskih pogodb o pobotu, ki so bili sklenjeni z nasprotno stranko in ki zajemajo repo posle, posle posoje/izposoje vrednostnih papirjev ali blaga ali druge posle z instrumenti kapitalskega trga.
Without prejudice to Article 299, the collateral taken and securities or commodities borrowed within such agreements or transactions shall comply with the eligibility requirements for collateral set out in Articles 197 and 198.
Brez poseganja v člen 299 izpolnjujejo premoženje, sprejeto v zavarovanje, in vrednostni papirji ali blago, izposojeni v okviru takih pogodb ali poslov, zahteve za primernost zavarovanja s premoženjem iz členov 197 in 198.
Eligibility of collateral under all approaches and methods
Primernost zavarovanja s premoženjem po vseh pristopih in metodah
Institutions may use the following items as eligible collateral under all approaches and methods:
Institucije lahko kot primerno zavarovanje s premoženjem v okviru vseh pristopov in metod uporabljajo naslednje instrumente:
cash on deposit with, or cash assimilated instruments held by, the lending institution;
bančne vloge pri posojilni instituciji ali denarju podobne instrumente, ki jih ima posojilna institucija;
debt securities issued by central governments or central banks, which securities have a credit assessment by an ECAI or export credit agency recognised as eligible for the purposes of Chapter 2 which has been determined by EBA to be associated with credit quality step 4 or above under the rules for the risk weighting of exposures to central governments and central banks under Chapter 2;
dolžniške vrednostne papirje, ki so jih izdale enote centralne ravni držav ali centralne banke, katerih vrednostni papirji imajo bonitetno oceno ECAI ali izvozne agencije, priznane kot primerne za namene poglavja 2, ki po določilih EBA po pravilih za tehtanje tveganja izpostavljenosti do enot centralne ravni držav in centralnih bank na podlagi poglavja 2 ustreza stopnji kreditne kakovosti 4 ali nad njo;
debt securities issued by institutions, which securities have a credit assessment by an ECAI which has been determined by EBA to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to institutions under Chapter 2;
dolžniške vrednostne papirje, ki so jih izdale institucije, katerih vrednostni papirji imajo bonitetno oceno ECAI, ki po določilih EBA po pravilih za tehtanje tveganja izpostavljenosti do institucij na podlagi poglavja 2 ustreza stopnji kreditne kakovosti 3 ali nad njo;
debt securities issued by other entities which securities have a credit assessment by an ECAI which has been determined by EBA to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to corporates under Chapter 2;
dolžniške vrednostne papirje, ki so jih izdali drugi subjekti, katerih vrednostni papirji imajo bonitetno oceno ECAI, ki po določilih EBA po pravilih za tehtanje tveganja izpostavljenosti do podjetij na podlagi poglavja 2 ustreza stopnji kreditne kakovosti 3 ali nad njo;
debt securities with a short-term credit assessment by an ECAI which has been determined by EBA to be associated with credit quality step 3 or above under the rules for the risk weighting of short term exposures under Chapter 2;
dolžniške vrednostne papirje s kratkoročno bonitetno oceno ECAI, ki po določilih EBA po pravilih za tehtanje tveganja kratkoročnih izpostavljenosti na podlagi poglavja 2 ustreza stopnji kreditne kakovosti 3 ali nad njo;
equities or convertible bonds that are included in a main index;
lastniške instrumente ali zamenljive obveznice, vključene v glavni borzni indeks;
securitisation positions that are not re-securitisation positions, which have an external credit assessment by an ECAI which has been determined by EBA to be associated with credit quality step 3 or above under the rules for the risk weighting of securitisation exposures under the approach specified in Chapter 5, Section 3, Sub-section 3.
pozicije v listinjenju, ki niso pozicije v dodatnem listinjenju in imajo zunanjo bonitetno oceno ECAI, ki po določilih EBA po pravilih za tehtanje izpostavljenosti iz listinjenja na podlagi pristopa iz pododdelka 3 oddelka 3 poglavja 5 ustreza stopnji kreditne kakovosti 3 ali nad njo.
For the purposes of point (b) of paragraph 1, 'debt securities issued by central governments or central banks' shall include all the following:
Za namene točke (b) odstavka 1 "dolžniški vrednostni papirji, ki so jih izdale enote centralne ravni držav ali centralne banke" vključujejo:
debt securities issued by regional governments or local authorities, exposures to which are treated as exposures to the central government in whose jurisdiction they are established under Article 115(2);
dolžniške vrednostne papirje, ki so jih izdale enote regionalne ali lokalne ravni države, izpostavljenost do katerih se na podlagi člena 115(2) obravnava kot izpostavljenost do enot centralne ravni države, v jurisdikciji katere so ustanovljene;
debt securities issued by public sector entities which are treated as exposures to central governments in accordance with Article 116(4);
dolžniške vrednostne papirje, ki so jih izdali subjekti javnega sektorja in se v skladu s členom 116(4) obravnavajo kot izpostavljenosti do centralne ravni države;
debt securities issued by multilateral development banks to which a 0 % risk weight is assigned under Article 117(2);
dolžniške vrednostne papirje, ki so jih izdale multilateralne razvojne banke, za katere se v skladu s členom 117(2) uporablja utež tveganja 0 %;
debt securities issued by international organisations which are assigned a 0 % risk weight under Article 118.
dolžniške vrednostne papirje, ki so jih izdale mednarodne organizacije, za katere se v skladu s členom 118 uporablja utež tveganja 0 %.
For the purposes of point (c) of paragraph 1, 'debt securities issued by institutions' shall include all the following:
Za namene točke (c) odstavka 1 "dolžniški vrednostni papirji, ki so jih izdale institucije" vključujejo:
debt securities issued by regional governments or local authorities other than those debt securities referred to in point (a) of paragraph 2;
dolžniške vrednostne papirje, ki so jih izdale enote regionalne ali lokalne ravni države, razen dolžniških vrednostih papirjev iz točke (a) odstavka 2;
debt securities issued by public sector entities, exposures to which are treated in accordance with Article 116(1) and (2);
dolžniške vrednostne papirje, ki so jih izdali subjekti javnega sektorja, izpostavljenost do katerih se obravnava v skladu s členom 116(1) in (2);
debt securities issued by multilateral development banks other than those to which a 0 % risk weight is assigned under Article 117(2).
dolžniške vrednostne papirje, ki so jih izdale multilateralne razvojne banke, razen tistih, za katere se v skladu s členom 117(2) uporablja utež tveganja 0 %.
An institution may use debt securities that are issued by other institutions and that do not have a credit assessment by an ECAI as eligible collateral where those debt securities fulfil all the following criteria:
Institucija lahko kot primerno zavarovanje s premoženjem uporablja dolžniške vrednostne papirje, ki so jih izdale druge institucije in nimajo bonitetne ocene ECAI, če ti dolžniški vrednostni papirji izpolnjujejo vsa naslednja merila:
they are listed on a recognised exchange;
kotirajo na priznani borzi;
all other rated issues by the issuing institution of the same seniority have a credit assessment by an ECAI which has been determined by EBA to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to institutions or short term exposures under Chapter 2;
vse ostale ocenjene izdaje tega izdajatelja z enakimi pravicami glede prednosti pri poplačilu imajo bonitetno oceno ECAI, ki po EBA po pravilih za tehtanje tveganja izpostavljenosti do institucij ali po pravilih za tehtanje tveganja kratkoročnih izpostavljenosti na podlagi poglavja 2 ustreza stopnji kreditne kakovosti 3 ali nad njo;
the lending institution has no information to suggest that the issue would justify a credit assessment below that indicated in point (c);
posojilna institucija nima nobenih informacij, ki bi kazale, da bi se izdaji lahko upravičeno dodelila nižja bonitetna ocena od navedene pod točko (c);
the market liquidity of the instrument is sufficient for these purposes.
tržna likvidnost instrumenta zadostuje za te namene.
Institutions may use units or shares in CIUs as eligible collateral where all the following conditions are satisfied:
Institucije lahko kot primerno zavarovanje s premoženjem uporabljajo enote ali deleže v KNP, če so izpolnjeni vsi naslednji pogoji:
the units or shares have a daily public price quote;
cena enot ali deležev je dnevno javno objavljena;
the CIUs are limited to investing in instruments that are eligible for recognition under paragraphs 1 and 2;
KNP so omejeni na naložbe v instrumente, ki so po odstavkih 1 in 2 primerni za priznanje;
the CIUs meet the conditions laid down in Article 132(3).
KNP izpolnjujejo pogoje iz člena 132(3).
Where a CIU invests in shares or units of another CIU, conditions laid down in points (a) to (c) of the first subparagraph shall apply equally to any such underlying CIU.
Kadar KNP investira v deleže ali enote drugega KNP, veljajo pogoji iz točk od (a) do (c) prvega pododstavka enako tudi za vsak tak osnovni KNP.
The use by a CIU of derivative instruments to hedge permitted investments shall not prevent units or shares in that undertaking from being eligible as collateral.
Če KNP za varovanje dovoljenih naložb uporablja izvedene finančne instrumente, to ne izključuje primernosti enot ali deležev v navedenem podjemu za zavarovanje s premoženjem.
For the purposes of paragraph 5, where a CIU ('the original CIU') or any of its underlying CIUs are not limited to investing in instruments that are eligible under paragraphs 1 and 4, institutions may use units or shares in that CIU as collateral to an amount equal to the value of the eligible assets held by that CIU under the assumption that that CIU or any of its underlying CIUs have invested in non-eligible assets to the maximum extent allowed under their respective mandates.
Za namene odstavka 5, kadar KNP ("prvotni KNP") ali kateri koli njegov osnovni KNP ni omejen na naložbe v instrumente, ki se v skladu z odstavkoma 1 in 4 štejejo za primerne, lahko institucije kot zavarovanje s premoženjem uporabljajo enote ali deleže v navedenem KNP do zneska, ki je enak vrednosti primernih sredstev, ki jih ima naveden KNP, ob predpostavki, da je navedeni KNP ali kateri koli njegov osnovni KNP v neprimerna sredstva investiral v največjem dovoljenem obsegu v okviru svojega mandata.
Where any underlying CIUs has underlying CIUs of its own, institutions may use units or shares in the original CIU as eligible collateral provided that they apply the methodology laid down in the first subparagraph
Kadar ima kateri koli osnovni KNP lastne osnovne KNP, lahko institucije uporabijo enote ali deleže v prvotnem KNP kot primerno zavarovanje s premoženjem, pod pogojem, da uporabijo metodologijo iz prvega pododstavka.
Where non-eligible assets can have a negative value due to liabilities or contingent liabilities resulting from ownership, institutions shall do both of the following:
Kadar lahko imajo neprimerna sredstva negativno vrednost zaradi obveznosti ali pogojnih obveznosti, ki izhajajo iz lastništva, institucija stori naslednje:
calculate the total value of the non-eligible assets;
izračuna skupno vrednost neprimernih sredstev;
where the amount obtained under point (a) is negative, subtract the absolute value of that amount from the total value of the eligible assets.
če je znesek, pridobljen na podlagi točke (a), negativen, absolutno vrednost navedenega zneska odšteje od skupne vrednosti primernih sredstev.