natgillin/translations-raw huggingface dataset:
asset items constituting claims carrying the explicit guarantees of central governments, central banks, international organisations, multilateral development banks or public sector entities, where unsecured claims on the entity providing the guarantee would be assigned a 0 % risk weight under Part Three, Title II, Chapter 2;
aktivne postavke, ki predstavljajo terjatve z izrecnimi jamstvi enot centralne ravni držav, centralnih bank, mednarodnih organizacij, večstranskih razvojnih bank ali subjektov javnega sektorja, kadar bi bila nezavarovanim terjatvam do subjekta, ki zagotavlja jamstvo, v skladu s poglavjem 2 naslova II dela 3 dodeljena utež tveganja 0 %;
other exposures attributable to, or guaranteed by, central governments, central banks, international organisations, multilateral development banks or public sector entities, where unsecured claims on the entity to which the exposure is attributable or by which it is guaranteed would be assigned a 0 % risk weight under Part Three, Title II, Chapter 2;
druge izpostavljenosti, ki štejejo kotali za katere jamčijo enote centralne ravni držav, centralne banke, mednarodne organizacije, multilateralne razvojne banke ali subjekti javnega sektorja, kadar bi bila nezavarovanim terjatvam do subjekta, kateremu pripiše izpostavljenost ali ki zanjo jamči, v skladu s poglavjem 2 naslova II dela 3 dodeljena utež tveganja 0 %;
asset items constituting claims on regional governments or local authorities of Member States where those claims would be assigned a 0 % risk weight under Part Three, Title II, Chapter 2 and other exposures to or guaranteed by those regional governments or local authorities, claims on which would be assigned a 0 % risk weight under Part Three, Title II, Chapter 2;
aktivne postavke, ki predstavljajo terjatve do enot regionalne ali lokalne ravni držav članic, kadar bi bila zadevnim terjatvam v skladu s poglavjem 2 naslova II dela 3 dodeljena utež tveganja 0 %, ter druge izpostavljenosti do zadevnih enot regionalne ali lokalne ravni držav ali izpostavljenosti, za katere jamčijo zadevne enote, terjatvam do katerih bi bila v skladu s poglavjem 2 naslova II dela 3 dodeljena utež tveganja 0 %;
asset items and other exposures secured by collateral in the form of cash deposits placed with the lending institution or with an institution which is the parent undertaking or a subsidiary of the lending institution;
aktivne postavke in druge izpostavljenosti, zavarovane s premoženjem v obliki gotovinskih depozitov pri posojilni instituciji ali pri instituciji, ki je nadrejena oseba ali podrejena družba te institucije;
asset items and other exposures secured by collateral in the form of certificates of deposit issued by the lending institution or by an institution which is the parent undertaking or a subsidiary of the lending institution and lodged with either of them;
aktivne postavke in druge izpostavljenosti, zavarovane s premoženjem v obliki potrdil o vlogah, ki jih izda posojilna institucija ali institucija, ki je nadrejena oseba ali podrejena družba te institucije, ter so v hrambi pri eni od njih;
exposures arising from undrawn credit facilities that are classified as low-risk off-balance sheet items in Annex I and provided that an agreement has been concluded with the client or group of connected clients under which the facility may be drawn only if it has been ascertained that it will not cause the limit applicable under Article 395(1) to be exceeded;
izpostavljenosti, ki izhajajo iz prevzetih kreditnih obveznosti, ki so razvrščene med zunajbilančne postavke z nizkim tveganjem iz Priloge I, in če je bil s stranko ali skupino povezanih strank sklenjen sporazum, po katerem je črpanje možno le, če se zagotovi, da to ne bo povzročilo preseganja omejitev, ki se uporablja v skladu s členom 395(1);
trade exposures to central counterparties and default fund contributions to central counterparties;
trgovalne izpostavljenosti do centralnih nasprotnih strank in prispevki v jamstveni sklad centralnih nasprotnih strank;
exposures to deposit guarantee schemes under Directive 94/19/EC arising from the funding of those schemes, if the member institutions of the scheme have a legal or contractual obligation to fund the scheme.
izpostavljenosti do sistemov zajamčenih vlog v skladu z Direktivo 94/19/ES, ki izhajajo iz financiranja zadevnih sistemov, če so institucije članice v sistemu pravno ali pogodbeno obvezane financirati sistem.
Cash received under a credit linked note issued by the institution and loans and deposits of a counterparty to or with the institution which are subject to an on-balance sheet netting agreement recognised under Part Three, Title II, Chapter 4 shall be deemed to fall under point (g).
Šteje se, da gotovina, prejeta na podlagi kreditnega zapisa, ki ga izda institucija, ter kredite nasprotne stranke instituciji in vloge nasprotne stranke instituciji pri instituciji, ki so predmet pogodbe o bilančnem pobotu, priznanega v skladu s poglavjem 4 naslova II dela 3, sodi pod točko (g).
Competent authorities may fully or partially exempt the following exposures:
Pristojni organi lahko v celoti ali delno izvzamejo naslednje izpostavljenosti:
covered bonds falling within the terms of Article 129(1), (3) and (6);
krite obveznice, ki ustrezajo pogojem iz člena 129(1), (3) in (6);
asset items constituting claims on regional governments or local authorities of Member States where those claims would be assigned a 20 % risk weight under Part Three, Title II, Chapter 2 and other exposures to or guaranteed by those regional governments or local authorities, claims on which would be assigned a 20 % risk weight under Part Three, Title II, Chapter 2;
aktivne postavke, ki predstavljajo terjatve do enot regionalne ali lokalne ravni držav članic, kadar bi bila zadevnim terjatvam v skladu s poglavjem 2 naslova II dela 3 dodeljena utež tveganja 20 %, ter druge izpostavljenosti do zadevnih enot regionalne ali lokalne ravni držav ali izpostavljenosti, za katere jamčijo zadevne enote, terjatvam, do katerih bi bila v skladu s poglavjem 2 naslova II dela 3 dodeljena utež tveganja 20 %;
exposures, including participations or other kinds of holdings, incurred by an institution to its parent undertaking, to other subsidiaries of that parent undertaking or to its own subsidiaries, in so far as those undertakings are covered by the supervision on a consolidated basis to which the institution itself is subject, in accordance with this Regulation, Directive 2002/87/EC or with equivalent standards in force in a third country; exposures that do not meet these criteria, whether or not exempted from Article 395(1), shall be treated as exposures to a third party;
izpostavljenosti, vključno z udeležbami ali drugimi vrstami deležev, institucije do njene nadrejene osebe, drugih podrejenih družb te nadrejene osebe ali lastnih podrejenih družb, če za ta družbe velja nadzor na konsolidirani podlagi, katerega predmet je tudi sama institucija, v skladu s to uredbo, Direktivo 2002/87/ES ali z enakovrednimi standardi, ki veljajo v tretji državi; izpostavljenosti, ki ne izpolnjujejo teh meril, se ne glede na to, če so izvzete iz člena 395(1) ali ne, obravnavajo kot izpostavljenosti do tretje osebe;
asset items constituting claims on and other exposures, including participations or other kinds of holdings, to regional or central credit institutions with which the credit institution is associated in a network in accordance with legal or statutory provisions and which are responsible, under those provisions, for cash-clearing operations within the network;
aktivne postavke, ki predstavljajo terjatve in druge izpostavljenosti, vključno z udeležbami ali drugimi vrstami deležev, do regionalnih ali centralnih kreditnih institucij, s katerimi je kreditna institucija povezana v mrežo v skladu z zakonskimi ali statutarnimi določbami in ki so na podlagi teh določb odgovorne za operacije kliringa gotovinskih transakcij v okviru mreže;
asset items constituting claims on and other exposures to credit institutions incurred by credit institutions, one of which operates on a non-competitive basis and provides or guarantees loans under legislative programmes or its statutes, to promote specified sectors of the economy under some form of government oversight and restrictions on the use of the loans, provided that the respective exposures arise from such loans that are passed on to the beneficiaries via credit institutions or from the guarantees of these loans;
aktivne postavke, ki predstavljajo terjatve in druge izpostavljenosti kreditnih institucij, od katerih ena posluje na nekonkurenčni osnovi in zagotavlja kredite ali jamči zanje na podlagi programov, določenih v zakonodaji, ali v statutih, za spodbujanje določenih gospodarskih sektorjev pod določeno obliko vladnega nadzora ter z omejitvami glede uporabe posojil, do kreditnih institucij, če te izpostavljenosti izhajajo iz takih kreditov ali jamstev za take kredite, ki se prek kreditnih institucij prenesejo na upravičence;
asset items constituting claims on and other exposures to institutions, provided that those exposures do not constitute such institutions' own funds, do not last longer than the following business day and are not denominated in a major trading currency;
aktivne postavke, ki predstavljajo terjatve in druge izpostavljenosti do institucij, če zadevne izpostavljenosti niso del kapitala takih institucij, ne trajajo dlje kot do naslednjega delovnega dne in niso denominirane v glavni trgovalni valuti;
asset items constituting claims on central banks in the form of required minimum reserves held at those central banks which are denominated in their national currencies;
aktivne postavke, ki predstavljajo terjatve do centralnih bank v obliki zahtevanih minimalnih rezerv, ki se hranijo v teh centralnih bankah in so denominirane v njihovih nacionalnih valutah;
asset items constituting claims on central governments in the form of statutory liquidity requirements held in government securities which are denominated and funded in their national currencies provided that, at the discretion of the competent authority, the credit assessment of those central governments assigned by a nominated ECAI is investment grade;
aktivne postavke, ki predstavljajo terjatve do enot centralnih ravni države v obliki zakonsko predpisanih likvidnostnih zahtev, v državne vrednostne papirje, ki so denominirani in vplačani v njihovih nacionalnih valutah, če je po presoji pristojnega organa bonitetna ocena zadevnih enot centralne ravni države, ki je določena s strani imenovane ECAI, naložbeni razred;
50 % of medium/low risk off-balance sheet documentary credits and of medium/low risk off-balance sheet undrawn credit facilities referred to in Annex I and subject to the competent authorities' agreement, 80 % of guarantees other than loan guarantees which have a legal or regulatory basis and are given for their members by mutual guarantee schemes possessing the status of credit institutions;
50 % zunajbilančnih dokumentarnih akreditivov s srednjim/nizkim tveganjem in zunajbilančnih prevzetih kreditnih obveznosti s srednjim/nizkim tveganjem iz Priloge I, in če se s tem strinjajo pristojni organi, 80 % jamstev, ki niso jamstva za kredite, ki imajo podlago v zakonodaji ali imajo regulativno podlago in jih dajejo za svoje člane vzajemne jamstvene sheme s statusom kreditnih institucij;
legally required guarantees used when a mortgage loan financed by issuing mortgage bonds is paid to the mortgage borrower before the final registration of the mortgage in the land register, provided the guarantee is not used as reducing the risk in calculating the risk -weighted exposure amounts;
zakonsko zahtevana jamstva, ki se uporabljajo, ko se hipotekarni kredit, financiran z izdajo hipotekarnih obveznic, izplača hipotekarnemu kreditojemalcu pred dokončnim vpisom hipoteke v zemljiško knjigo, pod pogojem, da to jamstvo ni uporabljeno za zmanjševanje tveganja pri izračunu zneskov tveganju prilagojenih izpostavljenosti;
assets items constituting claims on and other exposures to recognised exchanges.
aktivne postavke, ki predstavljajo terjatve in druge izpostavljenosti do priznanih borz.
Competent authorities may only make use of the exemption provided for in paragraph 2 where the following conditions are met:
Pristojni organi lahko uporabijo izvzetje iz odstavka 2, samo če so izpolnjeni naslednji pogoji:
the specific nature of the exposure, the counterparty or the relationship between the institution and the counterparty eliminate or reduce the risk of the exposure; and
posebna narava izpostavljenosti, nasprotne stranke ali odnosa med institucijo in nasprotno stranko prepreči ali izniči tveganje izpostavljenosti; in
any remaining concentration risk can be addressed by other equally effective means such as the arrangements, processes and mechanisms provided for in Article 81 of Directive 2013/36/EU.
kakršno koli preostalo tveganje koncentracije se lahko upravlja z drugimi, enako učinkovitimi sredstvi, kot so ureditve, procesi in mehanizmi iz člena 81 Direktive 2013/36/EU.
Competent authorities shall inform EBA whether or not they intend to use any of the exemptions provided for in paragraph 2 in accordance with points (a) and (b) of this paragraph and shall consult EBA on this choice.
Pristojni organi obvestijo EBA, o nameravani uporabi izvzetij iz odstavka 2 v skladu točkama (a) in (b) tega odstavka, in se o tem z njim posvetujejo.
Calculating the effect of the use of credit risk mitigation techniques
Izračunavanje učinka uporabe tehnik zmanjševanja kreditnega tveganja
For calculating the value of exposures for the purposes of Article 395(1) an institution may use the 'fully adjusted exposure value' as calculated under Part Three, Title II, Chapter 4 taking into account the credit risk mitigation, volatility adjustments, and any maturity mismatch (E*).
Pri izračunavanju vrednosti izpostavljenosti za namene člena 395(1) lahko institucija uporabi "polno prilagojeno vrednost izpostavljenosti", izračunano v skladu s poglavjem 4 naslova II dela 3, ob upoštevanju zmanjševanja kreditnega tveganja, prilagoditev za volatilnost in morebitno neusklajenost zapadlosti (E*).
An institution permitted to use own estimates of LGDs and conversion factors for an exposure class under Part Three, Title II, Chapter 3 may, subject to a permission by the competent authorities recognise the effects of financial collateral in calculating the value of exposures for the purposes of Article 395(1).
Institucija z dovoljenjem za uporabo lastnih ocen LGD in konverzijskih faktorjev za kategorijo izpostavljenosti iz poglavja 3 naslova II dela 3 lahko, če ima za to dovoljenje pristojnih organov, prizna učinke zavarovanja s finančnim premoženjem pri izračunavanju vrednosti izpostavljenosti za namene člena 395(1).
Competent authorities shall grant the permission referred to in preceding subparagraph only if the institution can estimate the effects of financial collateral on their exposures separately from other LGD-relevant aspects.
Pristojni organi dovoljenje iz prejšnjega pododstavka izdajo samo, če institucija učinke zavarovanja s finančnim premoženjem na svoje izpostavljenosti lahko oceni ločeno od drugih ustreznih vidikov LGD.
The estimates produced by the institution shall be sufficiently suitable for reducing the exposure value for the purposes of compliance with the provisions of Article 395.
Ocene institucije, so zadostno ustrezne za zmanjševanje vrednosti izpostavljenosti za namene skladnosti z določbami iz člena 395.
Where an institution is permitted to use its own estimates of the effects of financial collateral, it shall do so on a basis consistent with the approach adopted in the calculation of the own funds requirements in accordance with this Regulation.
Kadar ima institucija dovoljenje za uporabo lastnih ocen učinkov zavarovanja s finančnim premoženjem, to stori skladno s pristopom, ki ga uporablja za izračunavanje kapitalskih zahtev v skladu s to uredbo.
Institutions permitted to use own estimates of LGDs and conversion factors for an exposure class under Part Three, Title II, Chapter 3, which do not calculate the value of their exposures using the method referred to in the first subparagraph of this paragraph, may use the Financial Collateral Comprehensive Method or the approach set out in Article 403(1)(b) for calculating the value of exposures.
Institucije z dovoljenjem za uporabo lastnih ocen LGD in konverzijskih faktorjev za kategorijo izpostavljenosti v skladu siz poglavja 3 naslova II dela 3, ki ne izračunavajo vrednosti svojih izpostavljenosti s pomočjo metode iz prvega pododstavka tega odstavka, lahko za izračun vrednosti izpostavljenosti uporabljajo razvito metodo za izračun učinkov zavarovanja s finančnim premoženjem ali pristop iz člena 403(1)(b).
An institution that makes use of the Financial Collateral Comprehensive Method or is permitted to use the method described in paragraph 2 of this Article in calculating the value of exposures for the purposes of Article 395(1) shall conduct periodic stress tests of their credit-risk concentrations, including in relation to the realisable value of any collateral taken.
Institucija, ki uporablja razvito metodo za izračun učinkov zavarovanja s finančnim premoženjem ali ji je dovoljena uporaba metode, opisane v odstavku 2 tega člena, pri izračunavanju vrednosti izpostavljenosti za namene člena 395(1) opravlja periodične stresne teste v zvezi s svojo koncentracijo kreditnih tveganj, vključno v zvezi z unovčljivo vrednostjo vsakega prejetega zavarovanja s premoženjem.
These periodic stress tests referred to in the first subparagraph shall address risks arising from potential changes in market conditions that could adversely impact the institutions' adequacy of own funds and risks arising from the realisation of collateral in stressed situations.
Ti redni stresni testi iz prvega pododstavka obravnavajo tveganja iz naslova možnih sprememb pogojev na trgu, ki bi lahko neugodno vplivale na kapitalsko ustreznost institucije, in tveganja iz naslova unovčenja zavarovanja s premoženjem v stresnih razmerah.
The stress tests carried out shall be adequate and appropriate for the assessment of such risks.
Opravljeni stresni testi so ustrezni in primerni za oceno takih tveganj.
In the event that the periodic stress test indicates a lower realisable value of collateral taken than would be permitted to be taken into account while making use of the Financial Collateral Comprehensive Method or the method described in paragraph 2 as appropriate, the value of collateral permitted to be recognised in calculating the value of exposures for the purposes of Article 395(1) shall be reduced accordingly.
Če periodični stresni test pokaže manjšo unovčljivo vrednost prejetega zavarovanja s premoženjem, kakor bi upoštevala pri uporabi razvite metode za izračun učinkov zavarovanja s finančnim premoženjem oziroma metode, opisane v odstavku 2, kakor je primerno, se vrednost zavarovanja s premoženjem, ki se sme priznati pri izračunavanju vrednosti izpostavljenosti za namene člena 395(1) ustrezno zmanjša.
Institutions referred to in the first subparagraph shall include the following in their strategies to address concentration risk:
Institucije iz prvega pododstavka v svoje strategije za obravnavanje tveganja koncentracije vključijo naslednje:
policies and procedures to address risks arising from maturity mismatches between exposures and any credit protection on those exposures;
politike in postopke za obravnavanje tveganj iz naslova neusklajenosti zapadlosti med izpostavljenostmi in katerim koli kreditnim zavarovanjem za zadevne izpostavljenosti;
policies and procedures in the event that a stress test indicates a lower realisable value of collateral than taken into account while making use of the Financial Collateral Comprehensive Method or the method described in paragraph 2;
politike in postopke za primer, da stresni test pokaže manjšo unovčljivo vrednost prejetega zavarovanja s premoženjem, kakor je bila upoštevana pri uporabi razvite metode za izračun učinkov zavarovanja s finančnim premoženjem ali metode iz odstavka 2;
policies and procedures relating to concentration risk arising from the application of credit risk mitigation techniques, and in particular large indirect credit exposures, for example to a single issuer of securities taken as collateral.
politike in postopke v zvezi s tveganjem koncentracije, ki je posledica uporabe tehnik za zmanjševanje kreditnega tveganja ter zlasti glede velikih posrednih kreditnih izpostavljenosti, na primer do enega samega izdajatelja vrednostnih papirjev, prejetih kot zavarovanje s premoženjem.
Exposures arising from mortgage lending
Izpostavljenosti, zavarovane s hipotekami
For the calculation of exposure values for the purposes of Article 395, an institution may reduce the value of an exposure or any part of an exposure fully secured by real estate property in accordance with Article 125(1) by the pledged amount of the market or mortgage lending value of the property concerned but not more than 50 % of the market or 60 % of the mortgage lending value in those Member States that have laid down rigorous criteria for the assessment of the mortgage lending value in statutory or regulatory provisions, if all of the following conditions are met:
Pri izračunavanju vrednosti izpostavljenosti za namene člena 395 lahko institucija zmanjša vrednost izpostavljenosti ali katerega koli dela izpostavljenosti, ki je v skladu s členom 125(1) popolnoma zavarovan z nepremičninami, za zastavljeni znesek tržne ali hipotekarne kreditne vrednosti zadevne nepremičnine, vendar ne več kot za 50 % tržne vrednosti ali 60 % hipotekarne kreditne vrednosti v tistih državah članicah, ki so v zakonih ali predpisih določile stroga merila za ocenjevanje hipotekarne kreditne vrednosti, če so izpolnjeni vsi naslednji pogoji:
the competent authorities of the Member States have not set a higher risk weight than 35 % for exposures or parts of exposures secured by residential real estate in accordance with Article 124(2);
pristojni organ države članice je za izpostavljenosti ali dele izpostavljenosti, ki so v skladu s členom 124(2) zavarovane s stanovanjskimi nepremičninami, določil utež tveganja, ki ni večja od 35 %;
the exposure or part of the exposure is fully secured by:
izpostavljenost ali del izpostavljenosti je v celoti zavarovan s:
mortgages on residential property; or
hipotekami na stanovanjske nepremičnine; ali
a residential property in a leasing transaction under which the lessor retains full ownership of the residential property and the lessee has not yet exercised his option to purchase;
stanovanjsko nepremičnino v okviru posla finančnega zakupa, pri katerem zakupodajalec zadrži popolno lastništvo nad zakupljeno stanovanjsko nepremičnino, zakupnik pa še ni uveljavil svoje možnosti za nakup;
the requirements in Article 208 and Article 229(1) are met.
izpolnjene so zahteve iz členov 208 in 229(1).
For the calculation of exposure values for the purposes of Article 395, an institution may reduce the value of an exposure or any part of an exposure fully secured by real estate property in accordance with Article 126(1) by the pledged amount of the market or mortgage lending value of the property concerned but not more than 50 % of the market or 60 % of the mortgage lending value in those Member States that have laid down rigorous criteria for the assessment of the mortgage lending value in statutory or regulatory provisions, if all of the following conditions are met:
Za izračunavanje vrednosti izpostavljenosti za namene člena 395 lahko institucija v skladu s členom 126(1) zmanjša vrednost izpostavljenosti ali katerega koli dela izpostavljenosti, ki je v celoti zavarovan z nepremičninami, za zastavljeni znesek tržne ali hipotekarne kreditne vrednosti zadevne nepremičnine, vendar ne več kot za 50 % tržne vrednosti ali 60 % hipotekarne kreditne vrednosti v tistih državah članicah, ki so v zakonih ali predpisih določile stroga merila za ocenjevanje hipotekarne kreditne vrednosti, če so izpolnjeni vsi naslednji pogoji: