natgillin/translations-raw huggingface dataset:
EBA shall develop draft implementing technical standards listing the currencies which meet the conditions set out in this Article.
EBA pripravi osnutke izvedbenih tehničnih standardov z navedbo valut, ki izpolnjujejo pogoje iz tega člena.
EBA shall develop draft regulatory technical standards to specify the derogations referred to in paragraph 2 including the conditions of their application.
EBA pripravi osnutke regulativnih tehničnih standardov, da se opredelijo odstopanja iz odstavka 2, vključno s pogoji njihove uporabe.
EBA shall submit those draft regulatory technical standards to the Commission by 31 March 2014.
EBA predloži Komisiji navedene osnutke regulativnih tehničnih standardov do 31. marca 2014.
Article 420
člen 420
Liquidity outflows
Likvidnostni odlivi
Pending the specification of a liquidity requirement in accordance with Article 460, liquidity outflows to be reported shall include:
Likvidnostni odlivi, o katerih se poroča, do specifikacije likvidnostne zahteve v skladu s členom 460 vključujejo:
the current amount outstanding for retail deposits as set out in Article 421;
trenutno stanje vlog na drobno, kot je določeno v členu 421;
the current amounts outstanding of other liabilities that come due, can be called for payout by the issuing institutions or by the provider of the funding or entail an implicit expectation of the provider of the funding that the institution would repay the liability during the next 30 days as set out in Article 422;
trenutno stanje drugih obveznosti, ki zapadejo, za katere lahko institucije izdajateljice ali subjekti, ki so zagotovili sredstva, zahtevajo izplačilo ali ki pomenijo izrecno pričakovanje s strani subjekta, ki je sredstva zagotovil, da bo institucija obveznost izplačala v naslednjih 30 dneh, kot je določeno v členu 422;
the additional outflows referred to in Article 423;
dodatne odlive, navedene v členu 423;
the maximum amount that can be drawn during the next 30 days from undrawn committed credit and liquidity facilities, as set out in Article 424;
največji znesek, ki ga je mogoče črpati v naslednjih 30 dneh iz nečrpanih odobrenih kreditnih aranžmajev in likvidnostnih kreditov, kot je določeno v členu 424;
the additional outflows identified in the assessment in accordance with paragraph 2.
dodatni odliv, ugotovljen v oceni v skladu z odstavkom 2.
Institutions shall regularly assess the likelihood and potential volume of liquidity outflows during the next 30 days as far as products or services are concerned, which are not captured in Articles 422, 423 and 424 and which they offer or sponsor or which potential purchasers would consider to be associated with them, including but not limited to liquidity outflows resulting from any contractual arrangements such as other off-balance sheet and contingent funding obligations, including, but not limited to committed funding facilities, un-drawn loans and advances to wholesale counterparties, mortgages that have been agreed but not yet drawn down, credit cards, overdrafts, planned outflows related to renewal or extension of new retail or wholesale loans, planned derivative payables and trade finance off-balance sheet related products, as referred to in Article 429 and in Annex I. These outflows shall be assessed under the assumption of a combined idiosyncratic and market-wide stress scenario.
Institucije redno ocenjujejo verjetnost in potencialen obseg likvidnostnih odlivov v naslednjih 30 dneh v zvezi s produkti ali storitvami, ki niso zajete v členih 422, 423 in 424 in ki jih te institucije ponujajo ali sponzorirajo ali bi zanje morebitni kupci šteli, da so povezane s temi institucijami, med drugim tudi likvidnostnih odlivov, ki so posledica vsakršnih pogodbenih dogovorov, kot so druge zunajbilančne obveznosti in pogojne obveznosti financiranja, med drugim odobreni kreditni aranžmaji,nečrpani krediti in kratkoročni krediti velikim institucionalnim strankam, hipoteke, ki so bile dogovorjene, ne pa še koriščene, prekoračitve na kreditnih karticah, načrtovani odlivi, povezani z obnovitvijo ali podaljšanjem novih kreditov na drobno ali kreditov velikim institucionalnim strankam, načrtovane obveznosti iz naslova izvedenih finančnih instrumentov in zunajbilančni produkti, povezani s trgovinskim financiranjem iz člena 429 in Priloge I. Te odlive se oceni ob predpostavki kombinacije idiosinkratičnega in tržnega stresnega scenarija.
For this assessment, institutions shall take particular account of material reputational damage that could result from not providing liquidity support to such products or services.
Pri tej oceni institucije zlasti upoštevajo pomembno škodo za ugled, do katere bi lahko prišlo, če ne bi zagotovile likvidnostne podpore zadevnim produktom ali storitvam.
Institutions shall report not less than annually to the competent authorities those products and services for which the likelihood and potential volume of the liquidity outflows referred to in the first subparagraph are material and the competent authorities shall determine the outflows to be assigned.
Institucije pristojnim organom najmanj letno poročajo o tistih produktih in storitvah, katerih verjetnost ter potencialen obseg likvidnostnih odlivov iz prvega pododstavka sta pomembna, pristojni organi pa določijo odlive za dodelitev.
The competent authorities may apply an outflow rate up to 5 % for trade finance off-balance sheet related products, as referred to in Article 429 and Annex I.
Pristojni organi lahko za zunajbilančne zadevne produkte, povezane s trgovinskim financiranjem iz člena 429 in Priloge I, uporabijo stopnjo odliva do 5 %.
The competent authorities shall at least annually report to EBA the types of products or services for which they have determined outflows on the basis of the reports from institutions.
Pristojni organi najmanj letno poročajo EBA o vrstah produktov ali storitev, za katere so določili odlive na podlagi poročil institucij.
They shall in that report also explain the methodology applied to determine the outflows.
V zadevnem poročilu tudi pojasnijo metodologijo, uporabljeno za določitev odlivov.
Article 421
člen 421
Outflows on retail deposits
Odlivi za vloge na drobno
Institutions shall separately report the amount of retail deposits covered by a Deposit Guarantee Scheme in accordance with Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country, and multiply by at least 5 % where the deposit is either of the following:
Institucije ločeno poročajo o zneskuvlog na drobno, kritih s sistemom zajamčenih vlog v skladu z Direktivo 94/19/ES ali enakovrednim sistemom zajamčenih vlog v tretji državi, in ga pomnožijo z vsaj 5 %, kadar jevloga:
part of an established relationship making withdrawal highly unlikely;
del vzpostavljenega odnosa, zaradi česar je verjetnost dviga izjemno majhna;
held in a transactional account, including accounts to which salaries are regularly credited.
na transakcijskem računu, vključno z računi, na katere se redno nakazujejo plače.
Institutions shall multiply other retail deposits not referred to in paragraph 1 by at least 10 %.
Institucije drugevloge na drobno, ki niso navedene v odstavku 1, pomnožijo z najmanj 10 %.
Taking into account the behaviour of local depositors as advised by competent authorities, EBA shall issue guidelines by 1 January 2014 on the criteria to determine the conditions of application of paragraphs 1 and 2 in relation to the identification of retail deposits subject to different outflows and the definitions of those products for purposes of this Title.
EBA ob upoštevanju obnašanja lokalnih vlagateljev, kot mu svetujejo pristojni organi, do 1. januarja 2014 izda smernice glede meril za določitev pogojev uporabe odstavkov 1 in 2 v zvezi z identificiranjemvlog na drobno, ki so predmet drugačnih odlivov, in opredelitev teh produktov za namene tega naslova.
Those guidelines shall take account of the likelihood of these deposits to lead to outflows of liquidity during the next 30 days.
Ta merila upoštevajo verjetnost, da bodo te vloge povzročile odlive likvidnosti v naslednjih 30 dneh.
These outflows shall be assessed under the assumption of a combined idiosyncratic and market-wide stress scenario.
Ti odlivi so ocenjeni ob predpostavki kombinacije idiosinkratičnega in tržnega stresnega scenarija.
Notwithstanding paragraphs 1 and 2, institutions shall multiply retail deposits that they have taken in third countries by a higher percentage than provided for in those paragraphs if such percentage is provided by comparable third country reporting requirements.
Ne glede naodstavka (1) in (2) institucije pomnožijo vloge na drobno iz tretjih držav z večjim odstotkom, kot je določen v navedenih odstavkih, če tak odstotek določajo primerljive zahteve tretje države glede poročanja.
Institutions may exclude from the calculation of outflows certain clearly circumscribed categories of retail deposits as long as in each and every instance the institution rigorously applies the following for the whole category of those deposits, unless in individually justified circumstances of hardship for the depositor:
Institucije lahko iz izračuna odlivov izključijo nekatere jasno definirane kategorijevlog na drobno, če institucija v vsakem primeru za celotno kategorijo teh vlog strogo uporablja naslednje, razen v individualno upravičenih primerih, ko je vlagatelj v stiski:
within 30 days, the depositor is not allowed to withdraw the deposit; or
vlagatelju v 30 dneh ni dovoljeno dvignitivloge; ali
for early withdrawals within 30 days, the depositor has to pay a penalty that includes the loss of interest between the date of withdrawal and the contractual maturity date plus a material penalty that does not have to exceed the interest due for the time elapsed between the date of deposit and the date of withdrawal.
za predčasne dvige v 30 dneh mora vlagatelj plačati kazen, ki zajema izgubo obresti med datumom dviga in datumom pogodbene zapadlosti, ter materialno kazen, za katero ni nujno, da presega pripadajoče obresti za čas, ki je pretekel med datumom pologa in datumom dviga.
Article 422
člen 422
Outflows on other liabilities
Odlivi za druge obveznosti
Institutions shall multiply liabilities resulting from the institution's own operating expenses by 0 %.
Institucije obveznosti, ki izhajajo iz lastnih stroškov institucije za delovanje, pomnožijo z 0 %.
Institutions shall multiply liabilities resulting from secured lending and capital market-driven transactions as defined in point (3) of Article 192 by:
Institucije pomnožijo obveznosti, ki izhajajo iz zavarovanih kreditnih poslov in poslov z instrumenti kapitalskega trga, kot so opredeljeni v točki (3) člena 192, za:
0 % up to the value of the liquid assets in accordance with Article 418 if they are collateralised by assets that would qualify as liquid assets in accordance with Article 416;
0 % do vrednosti likvidnih sredstev v skladu s členom 418, če so zavarovane s sredstvi, ki bi izpolnjevala pogoje za likvidna sredstva v skladu s členom 416;
100 % over the value of the liquid assets in accordance with Article 418, if they are collateralized by assets that would qualify as liquid assets in accordance with Article 416;
100 % prek vrednosti likvidnih sredstev v skladu s členom 418, če so zavarovane s sredstvi, ki bi izpolnjevala pogoje za likvidna sredstva v skladu s členom 416;
100 % if they are collateralized by assets that would not qualify as liquid assets in accordance with Article 416, with the exception of transactions covered by points (d) and (e) of this paragraph;
100 %, če so zavarovane s sredstvi, ki ne bi izpolnjevala pogojev za likvidna sredstva v skladu s členom 416, razen poslov iz točk (d) in (e) tega člena;
25 % if they are collateralized by assets that would not qualify as liquid assets in accordance with Article 416 and the lender is the central government, a public sector entity of the Member State in which the credit institution has been authorised or has established a branch, or a multilateral development bank.
25 %, če so zavarovane s sredstvi, ki ne bi izpolnjevala pogojev za likvidna sredstva v skladu s členom 416, in je kreditodajalec enota centralne ravni države, subjekt javnega sektorja države članice, v kateri je kreditna institucija pridobila dovoljenje za opravljanje dejavnosti ali je odprla podružnico, ali multilateralna razvojna banka.
Public sector entities that receive that treatment shall be limited to those that have a risk weight of 20 % or lower in accordance with Chapter 2, Title II of Part Three;
Subjekti javnega sektorja, ki so deležni takšne obravnave, so omejeni na tiste, ki imajo utež tveganja 20 % ali manj v skladu s poglavjem 2 naslova II dela 3.
0 % if the lender is a central bank.
0 %, če je kreditodajalec centralna banka.
Institutions shall multiply liabilities resulting from deposits that have to be maintained:
Institucije pomnožijo:
by the depositor in order to obtain clearing, custody or cash management or other comparable services from the institution;
obveznosti, ki izhajajo izvlog, ki jih mora vzdrževati vlagatelj, da od institucije pridobi storitve kliringa, skrbništva, upravljanja z denarjem ali druge primerljive storitve;
in the context of common task sharing within an institutional protection scheme meeting the requirements of Article 113(7) or as a legal or statutory minimum deposit by another entity being a Member of the same institutional protection scheme;
obveznosti, ki izhajajo izvlog, ki jih je treba vzdrževati v okviru sodelovanja pri skupnih nalogah znotraj institucionalne sheme za zaščito vlog, ki izpolnjuje zahteve iz člena 113(7), ali kot zakonsko ali statutarno najmanjšo vlogo s strani drugega subjekta, ki je član iste institucionalne jamstvene sheme;
by the depositor in the context of an established operational relationship other than that mentioned in point (a);
obveznosti, ki izhajajo izvlog, ki jih mora vzdrževati vlagatelj v okviru vzpostavljenega operativnega odnosa, ki ni odnos iz točke (a);
by the depositor to obtain cash clearing and central credit institution services and where the credit institution belongs to a network in accordance with legal or statutory provisions;
obveznosti, ki izhajajo izvlog, ki jih mora vzdrževati vlagatelj, da pridobi storitve denarnega kliringa in storitve centralne kreditne institucije, in kjer je kreditna institucija v mreži v skladu z zakonskimi ali statutarnimi določbami;
by 5 % in the case of point (a) to the extent to which they are covered by a Deposit Guarantee Scheme in accordance with Directive 94/19/EC or an equivalent deposit guarantee scheme in a third country and by 25 % otherwise.
s 5 % v primeru točke (a) v obsegu, v katerem so pokrite s sistemom zajamčenih vlog v skladu z Direktivo 94/19/ES ali enakovrednim sistemom zajamčenih vlog v tretji državi, drugače pa s 25 %.
Deposits from credit institutions placed at central credit institutions that are considered as liquid assets in accordance with Article 416(1)(f) shall be multiplied by 100 % outflow rate.
Vloge kreditnih institucij pri centralnih kreditnih institucijah, ki se štejejo za likvidna sredstva v skladu s členom 416(1)(f), se pomnožijo s 100-odstotno stopnjo odliva.
Clearing, custody or cash management or other comparable services referred to in points (a) and (d) of paragraph 3 only covers such services to the extent that they are rendered in the context of an established relationship on which the depositor has substantial dependency.
Storitve kliringa, skrbništva, upravljanja z denarjem ali druge primerljive storitve, navedene v točkah (a) in (d) odstavka 3, se upoštevajo samo v obsegu, v katerem se te izvajajo v okviru vzpostavljenega odnosa, od katerega je vlagatelj močno odvisen.
They shall not merely consist in correspondent banking or prime brokerage services and the institution shall have evidence that the client is unable to withdraw amounts legally due over a 30 day horizon without compromising its operational functioning.
Ne gre le za storitve korespondenčnega bančništva ali storitve posredovanja in institucija ima dokaze, da stranka ne more dvigniti zneskov, ki jih po zakonu dolguje, v obdobju 30 dni, ne da bi ogrozila svoje operativno delovanje.
Pending a uniform definition of an established operational relationship as referred to in point (c) of paragraph 3, institutions shall themselves establish the criteria to identify an established operational relationship for which they have evidence that the client is unable to withdraw amounts legally due over a 30 day horizon without compromising their operational functioning and shall report these criteria to the competent authorities.
Dokler ni določena enotna opredelitev vzpostavljenega operativnega odnosa iz točke (c) prvega odstavka 3, institucije same določijo merila, na podlagi katerih lahko ugotovijo, da gre za vzpostavljen operativni odnos, kadar imajo dokaze, da stranka ne more dvigniti zneskov, ki jih po zakonu dolguje, v obdobju 30 dni, ne da bi ogrozila svoje operativno delovanje, in o teh merilih obvestijo pristojne organe.
Competent authorities may, in the absence of a uniform definition, provide general guidance that institutions shall follow in identifying deposits maintained by the depositor in a context of an established operational relationship.
Pristojni organi lahko v odsotnosti enotne opredelitve zagotovijo splošne smernice, ki jih institucije upoštevajo pri opredelitvivlog, ki jih vlagatelj vzdržuje v okviru vzpostavljenega operativnega odnosa.
Institutions shall multiply liabilities resulting from deposits by clients that are not financial customers to the extent they do not fall under paragraphs 3 and 4 by 40 % and shall multiply the amount of these liabilities covered by a Deposit Guarantee Scheme in accordance with Directive 94/19/EC or an equivalent Deposit Guarantee Scheme in a third country by 20 %.
Institucije obveznosti, ki izhajajo iz vlog nefinančnih strank, pomnožijo s 40 %, če zanje ne velja odstavkov 3 in 4, in znesek teh obveznosti, kritih s sistemom zajamčenih vlog v skladu z Direktivo 94/19/ES ali z enakovrednim sistemom zajamčenih vlog v tretji državi, pomnožijo z 20 %.
Institutions shall take outflows and inflows expected over the 30 day horizon from the contracts listed in Annex II into account on a net basis across counterparties and shall multiply them by 100 % in the case of a net outflow.
Institucije upoštevajo neto osnovo odlivov in prilivov, ki so predvideni v obdobju 30 dni iz pogodb iz Priloge II, med nasprotnimi strankami ter jih v primeru neto odlivov pomnožijo z 100 %.
Net basis shall mean also net of collateral to be received that qualifies as liquid assets under Article 416.
Neto osnova pomeni tudi neto glede na zavarovanje s premoženjem, ki se prejme in se šteje kot likvidna sredstva v skladu s členom 416.
Institutions shall separately report other liabilities that do not fall under paragraphs 1 to 5.
Institucije ločeno poročajo o drugih obveznostih, ki ne spadajo pod odstavke 1 do 5.
Competent authorities may grant the permission to apply a lower outflow percentage on a case-by-case basis, to the liabilities referred to in paragraph 7, when all of the following conditions are fulfilled:
Pristojni organi lahko za obveznosti iz odstavka 7 za vsak posamezen primer posebej dovolijo uporabo nižjega odstotka odliva, kadar so izpolnjeni vsi naslednji pogoji:
the depositor is:
vlagatelj je:
a parent or subsidiary institution of the institution or another subsidiary of the same parent institution;
institucija, ki je nadrejena ali podrejena instituciji, ali druga podrejena družba iste nadrejene institucije;
linked to the institution by a relationship within the meaning of Article 12(1) of Directive 83/349/EEC;
z zadevno institucijo povezan v smislu člena 12(1) Direktive 83/349/EGS;
an institution falling within the same institutional protection scheme meeting the requirements of Article 113(7);
institucija, ki spada v isto institucionalno shemo za zaščito vlog, ki izpolnjuje zahteve iz člena 113(7);
the central institution or a member of a network compliant with Article 400 (2)(d);
osrednja institucija ali član mreže v skladu s členom 400(2)(d);
there are reasons to expect a lower outflow over the next 30 days even under a combined idiosyncratic and market-wide stress scenario;
obstajajo razlogi, zaradi katerih se v prihodnjih 30 dneh pričakuje manjši odliv, tudi v primerukombinacije idiosinkratičnega in tržnega stresnega scenarija;
a corresponding symmetric or more conservative inflow is applied by the depositor by way of derogation from Article 425;
vlagatelj z odstopanjem od člena 425 uporablja ustrezni simetrični ali bolj konservativni priliv;
the institution and the depositor are established in the same Member State.
institucija in vlagatelj imata sedež v isti državi članici
Competent authorities may waive the conditions set out in point (d) of paragraph 8 where point (b) of Article 20(1) is applied.
Pristojni organi lahko opustijo pogoje iz točke (d) odstavka 8, če se uporablja člen 20(1)(b).
In that case additional objective criteria as set out in the delegated act referred to in Article 460 have to be met.
Kadar se uporablja člen 20(1)(b) lahko pristojni organi opustijo pogoj iz točke (d) odstavka 4.V tem primeru morajo biti izpolnjena dodatna objektivna merila iz delegiranega akt iz člena 460.
Where such lower outflow is permitted to be applied, the competent authorities shall inform EBA about the result of the process referred to in point (b) of Article 20(1).
Kadar pristojni organi dovolijo uporabo manjšega odliva, o izidu procesa iz člena 20(1)(b) obvestijo EBA.
The fulfilment of the conditions for such lower outflows shall be regularly reviewed by the competent authorities.
Pristojni organi redno pregledujejo izpolnjevanje pogojev za takšne manjše odlive.
EBA shall develop draft regulatory technical standards to further specify the additional objective criteria referred to in paragraph 9.
EBA pripravi osnutek regulativnih tehničnih standardov za podrobnejšo opredelitev dodatnih objektivnih meril iz odstavka 9.
EBA shall submit those draft regulatory technical standards to the Commission by 1 January 2015.
EBA predloži Komisiji navedeni osnutek regulativnih tehničnih standardov do 1. januarja 2015.
Article 423
člen 423
Additional Outflows
Dodatni odlivi
Collateral other than assets referred to in Article 416(1)(a), (b) and (c), which is posted by the institution for contracts listed in Annex II and credit derivatives, shall be subject to an additional outflow of 20 %.
Zavarovanje s premoženjem, razen sredstev iz točk (a), (b) in (c) člena 416(1), ki ga predloži institucija za pogodbe iz Priloge II in kreditne izvedene finančne instrumente, so predmet dodatnega odliva v višini 20 %.
Institutions shall notify to the competent authorities all contracts entered into the contractual conditions of which lead, within 30 days following a material deterioration of the credit quality of the institution, to liquidity outflows or additional collateral needs.
Institucije pristojne organe obvestijo o vseh sklenjenih pogodbah, katerih pogodbeni pogoji, v primeru poslabšanja kreditne kakovosti institucije, v naslednjih 30 dneh povzročajo likvidnostne odlive ali dodatne potrebe po zavarovanju s premoženjem.
If the competent authorities consider such contracts material in relation to the potential liquidity outflows of the institution, they shall require the institution to add an additional outflow for those contracts corresponding to the additional collateral needs resulting from a material deterioration in the credit quality of the institution such as a downgrade in its external credit assessment by three notches.
Če pristojni organi menijo, da so te pogodbe pomembne v povezavi z možnimi likvidnostnimi odlivi institucije, od institucije zahtevajo, da doda dodatni odliv za tiste pogodbe, vključno z odlivom, ki ustreza dodatnim potrebam zavarovanja s premoženjem, ki izhaja iz bistvenega poslabšanja kreditne kakovosti institucije, kot je poslabšanje zunanje bonitetne ocene institucije za tri stopnje.