natgillin/translations-raw huggingface dataset:
The competent authorities shall take into account the exemptions for certain securitisations provided in Article 405(3) by reducing the risk weight it would otherwise impose under this Article in respect of a securitisation to which Article 405(3) applies.
Pristojni organi upoštevajo izjeme za nekatera listinjenja iz člena 405(3) tako, da zmanjšajo utež tveganja, ki bi jo sicer odredili v skladu s tem členom, v zvezi z listinjenjem, za katerega se uporablja člen 405(3).
REQUIREMENTS FOR SPONSOR AND ORIGINATOR INSTITUTIONS
ZAHTEVE ZA INSTITUCIJEV VLOGI ORIGINATORJA ALI SPONZORJA
Article 408
člen 408
Criteria for credit granting
Merila za odobritev kredita
Sponsor and originator institutions shall apply the same sound and well-defined criteria for credit-granting in accordance with the requirements of Article 79 of Directive 2013/36/EU to exposures to be securitised as they apply to exposures to be held in their own non-trading book.
Institucijev vlogi sponzorja in institucije v vlogi originatorja, uporabljajo enaka premišljena in jasno opredeljena merila za odobritev kreditov v skladu z zahtevami iz člena 79 Direktive 2013/36/EU za izpostavljenosti, ki se bodo listinile, kot jih uporabljajo za izpostavljenosti, ki jih bodo zadržale v svoji netrgovalni knjigi.
To this end the same processes for approving and, where relevant, amending, renewing and re-financing credits shall be applied by the originator and sponsor institutions.
Institucije, ki so v vlogi originatorja in institucije, ki so v vlogi sponzorja, na enak način upoštevajo enake procese za odobritev ter, kjer je ustrezno, za spreminjanje, obnavljanje in refinanciranje kreditov.
Where the requirements referred to in the first subparagraph of this Article are not met, Article 245(1) shall not be applied by an originator institution and that originator institution shall not be allowed to exclude the securitised exposures from the calculation of its capital requirements under this Regulation.
Kadar zahteve iz prvega pododstavka tega člena niso izpolnjene, institucija v vlogi originatorja ne uporablja člena 245(1) in tej instituciji v vlogi originatorja se ne dovoli izključev listinjenih izpostavljenosti iz izračuna njenih kapitalskih zahtev v skladu s to uredbo.
Article 409
člen 409
Disclosure to investors
Razkritja investitorjem
Institutions acting as an originator, a sponsor or original lender shall disclose to investors the level of their commitment under Article 405 to maintain a net economic interest in the securitisation.
Institucije, ki delujejo kot originatorji, sponzorji ali prvotni kreditodajalci,investitorjem razkrijejo raven svoje obveznosti v skladu s členom 405 glede zadržanja neto ekonomskega deleža v listinjenju.
Sponsor and originator institutions shall ensure that prospective investors have readily available access to all materially relevant data on the credit quality and performance of the individual underlying exposures, cash flows and collateral supporting a securitisation exposure as well as such information that is necessary to conduct comprehensive and well informed stress tests on the cash flows and collateral values supporting the underlying exposures.
Institucijev vlogi sponzorja in institucije v vlogi originatorja, potencialnim investitorjem zagotovijo enostaven dostop do vseh pomembnih podatkov o kreditni kakovosti ter uspešnosti posameznih osnovnih izpostavljenosti, denarnih tokovih in zavarovanju za kritje izpostavljenosti v listinjenju ter informacij, ki so potrebne za izvedbo celovitih in dobro premišljenih stresnih testov glede denarnih tokov in vrednosti zavarovanja za kritje osnovnih izpostavljenosti.
For that purpose, materially relevant data shall be determined as at the date of the securitisation and where appropriate due to the nature of the securitisation thereafter.
V ta namen se potrebne pomembne podatke določi na dan listinjenja oziroma na poznejši datum, če je to potrebno zaradi narave listinjenja.
Article 410
člen 410
Uniform condition of application
Enotni pogoj uporabe
EBA shall report to the Commission annually on measures taken by the competent authorities in order to ensure the compliance with the requirements of Titles II and III by institutions.
EBA letno poroča Komisiji o ukrepih, ki so jih pristojni organi sprejeli za zagotavljanje, da institucije izpolnjujejo zahteve iz naslovov II in III.
the requirements in Articles 405 and 406 applying to institutions becoming exposed to the risk of a securitisation;
zahteve iz členov 405 in 406, ki se uporabljajo za institucije, izpostavljene tveganju listinjenja;
the requirements in Articles 408 and 409 applying to sponsor and originator institutions.
zahteve iz členov 408 in 409, ki se uporabljajo za institucije v vlogi sponzorja in institucije v vlogi originatorja.
Power is delegated to the Commission to adopt the regulatory technical standards referred to in the first subparagraph in accordance with Articles 10 to 14 of Regulation (EU)No 1093/2010.
Na Komisijo se prenese pooblastilo za sprejetje regulativnih tehničnih standardov iz prvega pododstavka v skladu s členi 10 do 14 Uredbe (EU) št. 1093/2010.
EBA shall develop draft implementing technical standards to facilitate the convergence of supervisory practices with regard to the implementation of Article 407, including the measures to be taken in the case of breach of the due diligence and risk management obligations.
EBA pripravi osnutke izvedbenih tehničnih standardov za okrepitev zbliževanja nadzorniških praks v zvezi z izvajanjem člena 407, vključno z ukrepi, ki se sprejmejo v primeru kršitve obveznosti glede skrbnega pregleda in upravljanja tveganj.
PART SIX
DEL 6
DEFINITIONS AND LIQUIDITY COVERAGE REQUIREMENT
OPREDELITVE IN ZAHTEVA GLEDE LIKVIDNOSTNEGA KRITJA
Article 411
člen 411
For the purposes of this Part, the following definitions apply:
V tem delu se uporabljata naslednji opredelitvi:
'financial customer' means a customer that performs one or more of the activities listed in Annex I to Directive 2013/36/EU as its main business, or is one of the following:
"finančna stranka" pomeni stranko, ki kot svojo glavno poslovno dejavnost opravlja eno ali več dejavnosti, navedenih v Prilogi I Direktive 2013/36/EU, ali je nekaj od naslednjega:
a CIU;
KNP;
a non-open ended investment scheme;
zaprt investicijski sklad;
a financial holding company or mixed-financial holding company.
finančni holding ali mešani finančni holding;
'retail deposit' means a liability to a natural person or to an SME, where the natural person or the SME would qualify for the retail exposure class under the Standardised or IRB approaches for credit risk, or a liability to a company which is eligible for the treatment set out in Article 153(4) and where the aggregate deposits by all such enterprises on a group basis do not exceed EUR 1 million.
"vloga na drobno" pomeni obveznost do fizične osebe ali do MSP, kadar bi ta fizična oseba ali MSP izpolnjevala pogoje za razvrstitev v kategorijo izpostavljenosti na drobno v skladu s standardiziranim pristopom ali pristopom IRB za kreditno tveganje, ali obveznosti do podjetja, ki je upravičeno do obravnave iz člena 153(4), in kadar skupna vloga vsem takšnim podjetjem na ravni skupine ne presega enega milijona EUR.
Article 412
člen 412
Liquidity coverage requirement
Zahteva glede likvidnostnega kritja
Institutions shall hold liquid assets, the sum of the values of which covers the liquidity outflows less the liquidity inflows under stressed conditions so as to ensure that institutions maintain levels of liquidity buffers which are adequate to face any possible imbalance between liquidity inflows and outflows under gravely stressed conditions over a period of thirty days.
Institucije imajo likvidna sredstva, katerih vsota vrednosti krije likvidnostne odlive, zmanjšane za likvidnostne prilive v stresnih pogojih, s čimer se zagotovi, da institucije vzdržujejo zadostne ravni likvidnostnih blažilnikov za pokritje vsakega morebitnega neravnotežja med likvidnostnimi prilivi in odlivi v zelo stresnih pogojih za obdobje tridesetih dni.
During times of stress, institutions may use their liquid assets to cover their net liquidity outflows.
Institucije lahko v stresnih razmerah uporabijo svoja likvidna sredstva, da bi krile svoje neto likvidnostne odlive.
Institutions shall not count double liquidity inflows and liquid assets.
Institucije likvidnostnih prilivov in likvidnih sredstev ne štejejo dvakrat.
Institutions may use the liquid assets referred to in paragraph 1 to meet their obligations under stressed circumstances as specified under Article 414.
Institucije lahko uporabijo likvidna sredstva iz odstavka 1 za izpolnjevanje svojih obveznosti v stresnih razmerah, kot je določeno v členu 414.
The provisions set out in Title II shall apply exclusively for the purposes of specifying reporting obligations set out in Article 415.
Določbe iz naslova II se uporabljajo izključno za namene opredelitve obveznosti poročanja iz člena 415.
Member States may maintain or introduce national provisions in the area of liquidity requirements before binding minimum standards for liquidity coverage requirements are specified and fully introduced in the Union in accordance with Article 460.
Države članice lahko ohranijo ali uvedejo nacionalne določbe na področju likvidnostnih zahtev, preden se v Uniji v skladu s členom 460 za zahteve po likvidnostnem kritju določijo in v celoti uvedejo zavezujoči minimalni standardi.
Member States or competent authorities may require domestically authorised institutions, or a subset of those institutions, to maintain a higher liquidity coverage requirement up to 100 % until the binding minimum standard is fully introduced at a rate of 100 % in accordance with Article 460.
Države članice lahko od institucij, ki so pridobile dovoljenje v matični državi članici, ali podskupine teh institucij zahtevajo, da ohranijo višjo zahtevo po likvidnostnem kritju do 100 %, dokler se v skladu s členom 460 v celoti ne uvede zavezujoč minimalni standard v višini 100 %.
Article 413
člen 413
Stable Funding
Stabilno financiranje
Institutions shall ensure that long term obligations are adequately met with a diversity of stable funding instruments under both normal and stressed conditions.
Institucije zagotovijo, da so dolgoročne obveznosti ustrezno izpolnjene z raznolikimi instrumenti za stabilno financiranje tako v običajnih kot v stresnih pogojih.
The provisions set out in Title III shall apply exclusively for the purposes of specifying reporting obligations set out in Article 415.
Določbe iz naslova III se uporabljajo izključno za namene opredelitve obveznosti poročanja iz člena 415.
Member States may maintain or introduce national provisions in the area of stable funding requirements before binding minimum standards for net stable funding requirements are specified and introduced in the Union in accordance with Article 510.
Države članice lahko ohranijo ali uvedejo nacionalne določbe na področju zahtev po stabilnem financiranju, preden se v Uniji v skladu s členom 510 za zahteve po neto stabilnem financiranju določijo in uvedejo zavezujoči minimalni standardi.
Article 414
člen 414
Compliance with liquidity requirements
Izpolnjevanje likvidnostnih zahtev
Where an institution does not meet, or expects not to meet the requirement set out in Article 412 or the general obligation set out in Article 413(1), including during times of stress, it shall immediately notify the competent authorities and shall submit without undue delay to the competent authorities a plan for the timely restoration of compliance with Article 412 or Article 413(1).
Kadar institucija ne izpolnjuje zahteve iz člena 412 ali splošne obveznosti iz člena 413(1), tudi v času stresnih razmer, ali se pričakuje, da je ne bo izpolnila, nemudoma uradno obvesti pristojne organe in jim čim prej predloži načrt za hitro ponovno vzpostavitev skladnosti s členom 412 ali členom 413(1).
Until compliance has been restored, the institution shall report the items referred to in Title II or Title III, as appropriate, daily by the end of each business day unless the competent authority authorises a lower reporting frequency and a longer reporting delay.
Dokler se skladnost ponovno ne vzpostavi, institucija dnevno poroča o postavkah iz naslova II ali naslova III, kakor je ustrezno, ob koncu vsakega delovnega dne, razen če pristojni organ ne odobri manjše pogostosti poročanja in daljšega odloga za poročanje.
Competent authorities shall only grant such authorisations based on the individual situation of an institution and taking into account the scale and complexity of the institution's activities.
Pristojni organi odobrijo manjšo pogostost poročanja ali daljši odlog za poročanje samo na podlagi individualnega položaja institucije in ob upoštevanju obsega in kompleksnosti dejavnosti institucije.
They shall monitor the implementation of the restoration plan and shall require a more speedy restoration if appropriate.
Ti organi spremljajo izvajanje načrta za ponovno vzpostavitev skladnosti in po potrebi zahtevajo, da se skladnost vzpostavi hitreje, kot je bilo sprva predvideno.
LIQUIDITY REPORTING
POROČANJE O LIKVIDNOSTI
Article 415
člen 415
Reporting obligation and reporting format
Obveznost poročanja in način poročanja
Institutions shall report in a single currency, regardless of their actual denomination, to the competent authorities the items referred to in Titles II and III and their components, including the composition of their liquid assets in accordance with Article 416.
Institucije pristojnim organom v enotni valuti – ne glede na njihovo dejansko denominacijo – poročajo o postavkah, navedenih v naslovih II in III, in njihovih sestavnih delih, vključno s sestavo njihovih likvidnih sredstev v skladu s členom 416.
Until the liquidity coverage requirement in Part Six is fully specified and implemented as a minimum standard in accordance with Article 460, institutions shall report the items set in Title II and Annex III.
Dokler zahteva glede likvidnostnega kritja iz dela 6 ni v celoti določena in uvedena kot minimalni standard v skladu s členom 460, institucije poročajo o postavkah iz naslova II in Priloge III.
Institutions shall report the items in Title III.
Institucije poročajo o postavkah iz naslova III.
The reporting frequency shall not be less than monthly for items referred to in Title II and Annex III and not less than quarterly for items referred to in Title III.
Frekvenca poročanja je najmanj mesečna za postavke iz naslova II in Priloge III ter najmanj četrtletna za postavke iz naslova III.
The reporting formats shall include all the necessary information and shall allow EBA to assess whether secured lending and collateral swap transactions where liquid assets referred to in points (a), (b) and (c) of Article 416(1) have been obtained against collateral that does not qualify under points (a), (b) and (c) of Article 416(1) have been properly unwound.
Obrazci za poročanje vključujejo vse potrebne informacije, na podlagi katerih lahko EBA oceni, ali so bili ustrezno izpeljani zavarovani kreditni posli in posli zamenjave zavarovanja, pri katerih so se na podlagi zavarovanja s premoženjem, ki ne ustreza pogojem iz točk (a), (b) in (c) člena 416(1), pridobila likvidna sredstva iz točk (a), (b) in (c) člena 416(1).
An institution shall report separately to the competent authorities of the home Member State the items referred to in paragraph 1 in the currency below when it has:
Institucija pristojnim organom matične države članice ločeno poroča o postavkah iz odstavka 1 v navedeni valuti, kadar ima:
aggregate liabilities in a currency different from the reporting currency under paragraph 1 amounting to or exceeding 5 % of the institution's or the single liquidity sub-group's total liabilities; or
celotno obveznost v valuti, ki se razlikuje od valute poročanja iz odstavka 1, ki znaša ali presega 5 % celotnih obveznosti institucije ali enotne likvidnostne podskupine, ali
a significant branch in accordance with Article 51 of Directive 2013/36/EU in a host Member State using a currency different from the reporting currency under paragraph 1 of this Article.
pomembno podružnico v skladu s členom 51 Direktive 2013/36/EU, v državi članici gostiteljici, ki uporablja valuto, ki se razlikuje od valute poročanja iz odstavka 1 tega člena.
uniform formats and IT solutions with associated instructions for frequencies and reference and remittance dates.
enotne obrazce za poročanje in rešitve na področju informacijske tehnologije z ustreznimi navodili za pogostost, referenčne datume in datume predložitve.
The reporting formats and frequencies shall be proportionate to the nature, scale and complexity of the different activities of the institutions and shall comprise the reporting required in accordance with paragraphs 1 and 2;
Načini in pogostost poročanja so sorazmerni z naravo, obsegom in zapletenostjo različnih dejavnosti institucij ter vključujejo poročanje, zahtevano v skladu z odstavkoma 1 in 2;
additional liquidity monitoring metrics required, to allow competent authorities to obtain a comprehensive view of the liquidity risk profile, proportionate to the nature, scale and complexity of an institution's activities.
potrebne dodatne metrike za spremljanje likvidnosti, da se pristojnim organom omogoči pridobitev celostnega pregleda nad profilom likvidnostnega tveganja v sorazmerju z naravo, obsegom in zapletenostjo dejavnosti institucije;
EBA shall submit to the Commission those draft implementing technical standards for the items specified in point (a) by 1 February 2015 and for the items specified in point (b) by 1 January 2014.
EBA Komisiji predloži zadevne osnutke izvedbenih tehničnih standardov za elemente iz točke (a) do 1. februar 2015, za elemente iz točke (b) pa do 1. januarja 2014.
Until the full introduction of binding liquidity requirements, competent authorities may continue to collect information through monitoring tools for the purpose of monitoring compliance with existing national liquidity standards.
Pristojni organi lahko do popolne uvedbe zavezujočih likvidnostnih zahtev še naprej zbirajo informacijo preko orodij za spremljanje, da bi svoje spremljanje uskladili z veljavnimi nacionalnimi standardi glede likvidnosti.
The competent authorities of the home Member State shall upon request provide in a timely manner and by electronic means the competent authorities and the central bank of the host Member States and EBA with the individual reporting in accordance with this Article.
Pristojni organi matične države članice na zahtevo pristojnim organom in centralni banki države članice gostiteljice ter EBA pravočasno in v elektronski obliki zagotovijo posamezna poročila v skladu s tem členom.
Competent authorities that exercise supervision on a consolidated basis in accordance with Article 112 of Directive 2013/36/EU shall upon request provide in a timely manner and by electronic means the following authorities with all reporting submitted by the institution in accordance with the uniform reporting formats referred to in paragraph 3:
Pristojni organi, ki izvajajo nadzor na konsolidirani podlagi v skladu s členom 112 Direktive 2013/36/EU, na zahtevo pravočasno in v elektronski obliki zagotovijo vsa poročila, ki jih je predložila institucija v skladu z enotnimi predlogami za poročanje iz odstavka 3:
the competent authorities and the national central bank of the host Member States in which there are significant branches in accordance with Article 51 of Directive 2013/36/EU of the parent institution or institutions controlled by the same parent financial holding company;
pristojnim organom in nacionalni centralni banki držav članic gostiteljic, v katerih so pomembne podružnice v skladu s členom 51 Direktive 2013/36/EU nadrejene institucije ali institucije, ki jo obvladuje isti nadrejen finančni holding,
the competent authorities that have authorised subsidiaries of the parent institution or institutions controlled by the same parent financial holding company and the central bank of the same Member State;
pristojnim organom, ki so izdali dovoljenje za opravljanje dejavnosti podrejenim družbam nadrejene institucije ali institucijam, ki jih obvladuje isti nadrejen finančni holding, in centralni banki iste države članice;
The competent authorities that have authorised an institution that is a subsidiary of a parent institution or parent financial holding company shall upon request provide in a timely manner and by electronic means the competent authorities that exercise supervision on a consolidated basis in accordance with Article 111 of Directive 2013/36/EU, the central bank of the Member State where the institution is authorised and EBA all reporting submitted by the institution in accordance with the uniform reporting formats referred to in paragraph 3.
Pristojni organi, ki so izdali dovoljenje za opravljanje dejavnosti instituciji, ki je podrejena družba nadrejene institucije ali nadrejenega finančnega holdinga, na zahtevo pravočasno in v elektronski obliki zagotovijo pristojnim organom, ki izvajajo nadzor na konsolidirani podlagi v skladu s členom 111 Direktive 2013/36EU, centralni banki države članice, v kateri ima institucija dovoljenje za opravljanje dejavnosti, in EBA vsa poročila, ki jih je predložila institucija v skladu z enotnimi predlogami za poročanje iz odstavka 3.
Article 416
člen 416
Reporting on liquid assets
Poročanje o likvidnih sredstvih
Institutions shall report the following as liquid assets unless excluded by paragraph 2 and only if the liquid assets fulfil the conditions in paragraph 3:
Institucije v okviru poročanja o likvidnih sredstvih poročajo o naslednjem, razen če je to izključeno v skladu z odstavkom 2 in samo če likvidna sredstva izpolnjujejo pogoje iz odstavka 3:
cash and exposures to central banks to the extent that these exposures can be withdrawn at any time in times of stress.
denarnih sredstvih in izpostavljenostih do centralnih bank, če je te izpostavljenosti možno kadar koli dvigniti vstresnih razmerah.
As regards deposits held with central banks, the competent authority and the central bank shall aim at reaching a common understanding regarding the extent to which minimum reserves can be withdrawn in times of stress;
Pristojni organ in centralna banka si prizadevata, da bi v zvezi z vlogami pri centralnih bankah dosegla soglasje glede obsega, v katerem se lahko te minimalne rezerve dvigujejo v stresnih razmerah;
other transferable assets that are of extremely high liquidity and credit quality;
drugih prenosljivih sredstvih, katerih likvidnost in kreditna kakovost sta izjemno visoki;
transferable assets representing claims on or guaranteed by:
prenosljivih sredstvih, ki predstavljajo terjatve do naslednjih institucij ali za katere jamčijo naslednje institucije:
the central government of a Member State, a region with fiscal autonomy to raise and collect taxes, or of a third country in the domestic currency of the central or regional government, if the institution incurs a liquidity risk in that Member State or third country that it covers by holding those liquid assets;
enota centralne ravni države članice, regija s fiskalno pristojnostjo pobiranja davkov ali tretja država v domači valuti enote centralne ali regionalne ravni države, če institucija prevzema likvidnostno tveganje v zadevni državi članici ali tretji državi, ki ga krije z vzdrževanjem zadevnih likvidnih sredstev;
central banks and non-central government public sector entities in the domestic currency of the central bank and the public sector entity;
centralne banke in subjekti javnega sektorja, ki ne sodijo v okvir centralne ravni države, v domači valuti centralne banke in subjekta javnega sektorja;
the Bank for International Settlements, the International Monetary Fund, the Commission and multilateral development banks;
Banka za mednarodne poravnave, Mednarodni denarni sklad, Komisija ali multilateralne razvojne banke;
the European Financial Stability Facility and the European Stability Mechanism;
Evropski instrument za finančno stabilnost in Evropski mehanizem za stabilnost;
transferable assets that are of high liquidity and credit quality;
prenosljivih sredstvih, katerih likvidnost in kreditna kakovost sta visoki;