natgillin/translations-raw huggingface dataset:
The competent authorities may, after having consulted EBA, waive the application of point (b) of paragraph 1 to institutions provided that all the requirements for the Internal Ratings Based Approach set out in Part Three, Title II, Chapter 3, Section 6 or the qualifying criteria for the use of the Advanced Measurement Approach set out in Part Three, Title III, Chapter 4, as applicable, are met.
Pristojni organi lahko po posvetovanju z EBA opustijo uporabo odstavka 1(b) za institucije, če so izpolnjene vse zahteve za uporabo pristopa na osnovi notranjih bonitetnih ocen, določenega v oddelku 6 poglavja 3 naslova II dela 3, ali, kjer je to primerno, kvalifikacijski kriteriji za uporabo pristopa AMA, določenega v poglavju 4 naslova III dela 3.
The Commission shall by 1 January 2017 submit a report to the European Parliament and the Council on whether it is appropriate to extend the application of the Basel I floor beyond 31 December 2017 to ensure that there is a backstop to internal models, taking into account international developments and internationally agreed standards.
Komisija do 1. januarja 2017 Evropskemu parlamentu in Svetu predloži poročilo o tem, ali je primerno podaljšati uporabo praga Basel I na obdobje po 31. decembru 2017, da se zagotovi spodnja meja za kapitalske zahteve, izračunane z notranjimi modeli, in sicer ob upoštevanju razvoja dogodkov po svetu in mednarodno dogovorjenih standardov.
That report shall be accompanied by a legislative proposal if appropriate.
To poročilo po potrebi spremlja ločeni zakonodajni predlog.
Article 501
člen 501
Capital requirements deduction for credit risk on exposures to SMEs
Zmanjšanje kapitalskih zahtev za kreditna tveganja iz naslova izpostavljenosti do MSP
Capital requirements for credit risk on exposures to SMEs shall be multiplied by the factor 0,7619.
Kapitalske zahteve za kreditna tveganja iz naslova izpostavljenosti do MSP se pomnožijo s faktorjem 0,7619.
For the purpose of this Article:
Za namen tega člena velja:
the exposure shall be included either in the retail or in the corporates or secured by mortgages on immovable property classes.
izpostavljenost se vključi bodisi med izpostavljenosti do podjetij, izpostavljenosti na drobno ali izpostavljenosti, zavarovane s hipotekami na nepremičnine.
Exposures in default shall be excluded;
Neplačane izpostavljenosti so izvzete;
an SME is defined in accordance with Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises [37].
MSP je opredeljeno v skladu s Priporočilom Komisije 2003/361/ES z dne 6. maja 2003 o opredelitvi mikro, malih in srednjih podjetij [37].
Among the criteria listed in Article 2 of the Annex to that Recommendation only the annual turnover shall be taken into account;
Izmed meril iz člena 2 priloge k navedenemu priporočilu se upošteva le letni promet;
the total amount owed to the institution and parent undertakings and its subsidiaries, including any exposure in default, by the obligor client or group of connected clients, but excluding claims or contingent claims secured on residential property collateral, shall not, to the knowledge of the institution, exceed EUR 1,5 million. The institution shall take reasonable steps to acquire this knowledge.
po podatkih institucije skupni znesek, ki ga dolžnik ali skupina povezanih strank dolguje instituciji ter nadrejenim osebam in njihovim podrejenim družbam, vključno z morebitnimi neplačanimi izpostavljenostmi, vendar brez upoštevanja izpostavljenosti, zavarovanih s stanovanjskimi nepremičninami, ne presega 1,5 milijona EUR. Institucija sprejme razumne ukrepe za pridobitev teh podatkov.
Institutions shall report to competent authorities every three months on the total amount of exposures to SMEs calculated in accordance with paragraph 2.
Institucije pristojnim organom vsake tri mesece poročajo o celotnem znesku izpostavljenosti do MSP, ki se izračuna v skladu z odstavkom 2.
The Commission shall by 2 January 2017, report on the impact of the own funds requirements laid down in this Regulation on lending to SMEs and natural persons and shall submit that report to the European Parliament and to the Council, together with a legislative proposal if appropriate.
Komisija do 2. januarja 2017 Evropskemu parlamentu in Svetu poroča o učinku kapitalskih zahtev, določenih v tej uredbi, na kreditiranje MSP ter fizičnih oseb, pri čemer po potrebi predloži zakonodajni predlog.
For the purpose of paragraph 4, EBA shall report the following to the Commission:
Za namene odstavka 4 EBA Komisiji poroča o:
analysis of the evolution of the lending trends and conditions for SMEs over the period referred to in paragraph 4;
analizi razvoja trendov in pogojev na področju kreditiranja MSP v obdobju iz prejšnjega odstavka;
analysis of effective riskiness of Union SMEs over a full economic cycle;
analizi dejanske tveganosti kreditiranja MSP v Uniji v celotnem gospodarskem ciklu;
the consistency of own funds requirements laid down in this Regulation for credit risk on exposures to SMEs with the outcomes of the analysis under points (a) and (b).
skladnosti kapitalskih zahtev, določenih v tej uredbi, glede kreditnih tveganj iz naslova izpostavljenosti do MSP z rezultati analiz iz točk (a) in (b).
REPORTS AND REVIEWS
POROČILA IN PREGLEDI
Article 502
člen 502
Cyclicality of capital requirements
Cikličnost kapitalskih zahtev
The Commission, in cooperation with EBA, ESRB and the Member States, and taking into account the opinion of the ECB, shall periodically monitor whether this Regulation taken as a whole, together with Directive 2013/36/EU has significant effects on the economic cycle and, in the light of that examination, shall consider whether any remedial measures are justified.
Komisija v sodelovanju z EBA, ESRB in državami članicami ter ob upoštevanju mnenja ECB redno spremlja, ali ta uredba v celoti, skupaj z Direktivo 2013/36/EU, pomembno vpliva na gospodarski cikel, in glede na navedeni pregled obravnava, ali so upravičeni morebitni popravni ukrepi.
By 31 December 2013, EBA shall report to the Commission if and how methodologies of institutions under the IRB Approach should converge with a view to more comparable capital requirements while mitigating pro-cyclicality.
Do 31. decembra 2013 EBA poroča Komisiji, če in kako naj bi se metodologije institucij, ki uporabljajo pristop IRB, poenotile, z namenom primerljivejših kapitalskih zahtev, pri zmanjševanju procikličnosti.
Based on that analysis and taking into account the opinion of the ECB, the Commission shall draw up a biennial report and submit it to the European Parliament and to the Council, together with any appropriate proposals.
Na podlagi analize in ob upoštevanju mnenjea ECB, Komisija pripravi dvoletno poročilo ter ga predloži Evropskemu parlamentu in Svetu, skupaj z morebitnimi ustreznimi predlogi.
Contributions from credit taking and credit lending parties shall be adequately acknowledged when the report is drawn up.
Pri pripravi poročila se ustrezno upoštevajo tako prispevki kreditojemalcev kot tudi kreditodajalcev.
By 31 December 2014 the Commission shall review and report on the application of Article 33(1)(c) and shall submit that report to the European Parliament and the Council, together with a legislative proposal if appropriate.
Komisija do 31. decembra 2014 pregleda uporabo člena 33(1)(c) in o tem predloži poročilo Evropskemu parlamentu in Svetu, kateremu po potrebi predloži zakonodajni predlog.
With respect to the potential elimination of the Article 33(1)(c) and its potential application at the Union level, the review shall in particular ensure that sufficient safeguards are in place to ensure financial stability in all Member States.
V zvezi z morebitno odpravo člena 33(1)(c) in njegovo morebitno uporabo na ravni Unije se pri pregledu zlasti zagotovi, da obstaja zadostna zaščita za zagotavljanje finančne stabilnosti v vseh državah članicah.
Article 503
člen 503
Own funds requirements for exposures in the form of covered bonds
Kapitalske zahteve za izpostavljenosti v obliki kritih obveznic
The Commission shall, by 31 December 2014, after consulting EBA, report to the European Parliament and to the Council, together with any appropriate proposals, on whether the risk weights laid down in Article 129 and the own funds requirements for specific risk in Article 336(3) are adequate for all the instruments that qualify for these treatments and whether the criteria in Article 129 are appropriate.
Komisija po posvetovanju z EBA do 31. decembra 2014, poroča Evropskemu parlamentu in Svetu, ali so uteži tveganja, določene v členu 129, in kapitalske zahteve za posebna tveganja iz člena 336(3) ustrezne za vse instrumente, ki izpolnjujejo pogoje za te obravnave, in ali so merila iz člena 129 ustrezna, pri čemer predloži morebitne ustrezne predloge.
The report and the proposals referred to in paragraph 1 shall have regard to:
Poročilo in predlogi iz odstavka 1 zadevajo:
the extent to which the current regulatory capital requirements applicable to covered bonds adequately differentiate between variances in the credit quality of covered bonds and the collateral against which they are secured, including the extent of variations across Member States;
obseg, v katerem sedanje predpisane kapitalske zahteve, ki veljajo za krite obveznice, ustrezno razlikujejo med odstopanjem v kreditni kakovosti kritih obveznic in kritnega premoženja, s katerim so te zavarovane, vključno z obsegom odstopanj med državami članicami;
the transparency of the covered bond market and the extent to which this facilitates comprehensive internal analysis by investors in respect of the credit risk of covered bonds and the collateral against which they are secured and the asset segregation in case of the issuer's insolvency, including the mitigating effects of the underlying strict national legal framework in accordance with Article 129 of this Regulation and Article 52(4) of Directive 2009/65/EC on the overall credit quality of a covered bond and its implications on the level of transparency needed by investors; and
preglednost trga kritih obveznic in obseg, v katerem to olajša celostno notranjo analizo, ki jo izvedejo investitorji v zvezi s kreditnim tveganjem kritih obveznic in kritnim premoženjem, s katerim so te krite, ter izločitev sredstev v primeru insolventnosti izdajatelja, to v skladu s členom 129 te uredbe in členom 52(4) Direktive 2009/65/ES o kolektivnih naložbenih podjemih za vlaganja v prenosljive vrednostne papirje vključuje olajševalne učinke temeljne stroge nacionalne zakonodaje na splošno kreditno kakovost kritih obveznic in njihov vpliv na raven preglednosti, ki jo potrebujejo investitorji;
the extent to which covered bond issuance by a credit institution impacts on the credit risk to which other creditors of the issuing institution are exposed.
obseg, v katerem izdaja kritih obveznic s strani kreditne institucije vpliva na kreditno tveganje, ki so mu izpostavljeni drugi upniki institucije izdajateljice.
The Commission shall, by 31 December 2014, after consulting EBA, report to the European Parliament and the Council on whether loans secured by aircrafts (aircraft liens) and whether residential loans secured by a guarantee, but not secured by a registered mortgage, should under certain conditions be considered as an eligible asset in accordance with Article 129.
Komisija po posvetovanju z EBA do 31. decembra 2014 sporoči Evropskemu parlamentu in Svetu, ali bi bilo treba kredite, zavarovane z letali (zastavne pravice na letalu), in stanovanjske kredite, zavarovane z jamstvom, in ne s hipoteko, vpisano v zemljiško knjigo, pod določenimi pogoji šteti za primerna sredstva v skladu s členom 129.
The Commission shall, by 31 December 2016, review the appropriateness of the derogation set out in Article 496 and, if relevant, the appropriateness of extending similar treatment to any other form of covered bond.
Komisija do 31. decembra 2016 pregleda ustreznost odstopanja iz člena 496 in, če je primerno, ustreznost razširitve podobne obravnave na vse druge oblike kritih obveznic.
In the light of that review, the Commission may, if appropriate, adopt delegated acts in accordance with Article 462 to make that derogation permanent or make legislative proposals to extend it to other forms of covered bonds.
Glede na ta pregled lahko Komisija po potrebi sprejme delegirane akte v skladu s členom 462, da postane to odstopanje trajno, ali sprejme zakonodajne predloge za njegovo razširitev na druge oblike kritih obveznic.
Article 504
člen 504
The Commission shall, by 31 December 2016, after consulting EBA, report to the European Parliament and the Council, together with any appropriate proposals, whether the treatment set out in Article 31 needs to be amended or removed.
Komisija po posvetovanju z EBA do 31. decembra 2016 poroča Evropskemu parlamentu in Svetu, ali je treba spremeniti ali odpraviti obravnavo iz člena 31, pri čemer predloži morebitne ustrezne predloge.
Article 505
člen 505
Review of long-term financing
Pregled dolgoročnega financiranja
By 31 December 2014, the Commission shall report to the European Parliament and to the Council, together with any appropriate proposals, about the appropriateness of the requirements of this Regulation in light of the need to ensure adequate levels of funding for all forms of long-term financing for the economy, including critical infrastructure projects in the Union in the field of transport, energy and communications.
Komisija do 31. decembra 2014 Evropskemu parlamentu in Svetu poroča o primernosti zahtev te uredbe in predloži morebitne ustrezne predloge ob upoštevanju, da je treba zagotoviti ustrezne ravni financiranja za vse oblike dolgoročnega financiranja gospodarstva, vključno s projekti kritične infrastrukture na področju prometa, energije in komunikacij v Uniji.
Article 506
člen 506
Credit risk – definition of default
Kreditna tveganja – opredelitev neplačila
EBA shall, by 31 December 2017, report to the Commission on how replacing 90 days by 180 days past due, as provided in point (b) of Article 178(1), impacts risk-weighted exposure amounts and the appropriateness of the continued application of that provision after 31 December 2019.
EBA do 31. decembra 2017 Komisiji poroča o učinku, ki ga ima nadomestitev 90-dnevne zamude z 180-dnevno zamudo iz člena 178(1)(b) na zneske tveganju prilagojenih izpostavljenosti, in o tem, ali bi bilo primerno to določbo uporabljati tudi po 31. decembru 2019.
On the basis of that report, the Commission may submit a legislative proposal to amend this Regulation.
Na podlagi tega poročila lahko Komisija poda zakonodajne predloge za spremembo te uredbe.
Article 507
člen 507
By 31 December 2015, the Commission shall review and report on the application of Article 400(1)(j) and Article 400(2), including whether the exemptions set out in Article 400(2) is to be discretionary, and shall submit that report to the European Parliament and to the Council, together with a legislative proposal if appropriate.
Komisija do 31. decembra 2015 pregleda uporabo člena 400(1)(j) in člena 400(2) in o njej poroča, vključno s tem, ali bi morala biti izvzetja iz člena 389(2) diskrecijska, ter to poročilo predloži Evropskemu parlamentu in Svetu, po potrebi skupaj s zakonodajnim predlogom.
With respect to the potential elimination of the national discretion under Article 400(2)(c) and its potential application at the Union level, the review shall in particular take into account the efficiency of group risk management while ensuring that sufficient safeguards are in place to ensure financial stability in all Member States in which an entity belonging to a group is incorporated.
V zvezi z morebitno odpravo nacionalne diskrecije iz člena 400(2)(c) in njenim prenosom na raven Unije pri pregledu upošteva zlasti uspešnost upravljanja tveganj skupine, pri tem pa zagotovi, da obstaja zadostna zaščita za zagotavljanje finančne stabilnosti v vseh državah članicah, kjer ima subjekt ali skupina sedež.
Article 508
člen 508
By 31 December 2014, the Commission shall review and report on the application of Part One, Title II, and Article 113(6) and (7) and shall submit that report to the European Parliament and the Council, together with a legislative proposal if appropriate.
Komisija do 31. decembra 2014 pregleda uporabo naslova II dela 1 ter členov 113(6) in (7) ter o tem poroča, ter to poročilo predloži Evropskemu parlamentu in Svetu, po potrebi skupaj z zakonodajnim predlogom.
By 31 December 2015, the Commission shall report on whether and how the liquidity coverage requirement laid down in Part Six should apply to investment firms and shall, after consulting EBA, submit that report to the European Parliament and to the Council, together with a legislative proposal if appropriate.
Komisija do 31. decembra 2015 poroča, ali in kako je treba zahtevo za likvidnostno kritje iz dela 6 uporabiti pri investicijskih podjetjih, ter po posvetovanju z EBA to poročilo predloži Evropskemu parlamentu in Svetu, po potrebi skupaj z zakonodajnim predlogom.
By 31 December 2015, the Commission shall, after consulting EBA and ESMA and in the light of discussions with the competent authorities, report to the European Parliament and to the Council on an appropriate regime for the prudential supervision of investment firms and of firms referred to in points (2)(b) and (c) of Article 4(1).
Komisija po posvetovanj uz EBA in ESMA ter ob upoštevanju razprav s pristojnimi organi do 31. decembra 2015 Evropskemu parlamentu in Svetu poroča o ustrezni ureditvi bonitetnega nadzora za investicijska podjetja in podjetja iz točke 2(b) in (c) člena 4(1).
Where appropriate the report shall be followed by a legislative proposal.
Poročilo po potrebi spremlja zakonodajni predlog.
Article 509
člen 509
Liquidity requirements
Zahteve glede likvidnosti
EBA shall monitor and evaluate the reports made in accordance with Article 415(1), across currencies and across different business models.
EBA spremlja in ocenjuje poročila, pripravljena v skladu s členom 415(1), za valute in različne poslovne modele.
EBA shall, after consulting the ESRB, non-financial end-users, the banking industry, competent authorities and the ESCB central banks annually and for the first time by 31 December 2013 report to the Commission on whether a specification of the general liquidity coverage requirement in Part Six based on the items to be reported in accordance with Part Six, Title II and Annex III, considered either individually or cumulatively, is likely to have a material detrimental impact on the business and risk profile of institutions established in the Union or on the stability and orderly functioning of financial markets or on the economy and the stability of the supply of bank lending, with a particular focus on lending to SMEs and on trade financing, including lending under official export credit insurance schemes.
EBA po posvetovanju z ESRB, nefinančnimi končnimi uporabniki, bančnim sektorjem, pristojnimi organi in centralnimi bankami ESCB enkrat na leto, prvič pa do 31. decembra 2013, poroča Komisiji, ali obstaja verjetnost, da bo imela specifikacija splošne zahteve za kritje likvidnosti iz dela 6, ki temelji na postavkah, ki se poročajo v skladu z naslovom II dela 6 in Prilogo III, posamezno ali kumulativno, pomemben škodljiv učinek na poslovanje in profil tveganja institucij s sedežem v Uniji ali na stabilnost in pravilno delovanje finančnih trgov ali na gospodarstvo ter stabilnost in razpoložljivost bančnih kreditov, pri čemer se posebej osredotoča na kredite za MSP ter na financiranje trgovanja, vključno s krediti v okviru uradnih shem za zavarovanje kreditov za izvoz.
The report referred to in the first subparagraph shall take due account of markets and international regulatory developments as well as of the interactions of the liquidity coverage requirement with other prudential requirements under this Regulation such as the risk based capital ratios as set out in Article 92 and the leverage ratio.
Poročilo iz prvega pododstavka ustrezno upošteva trge in mednarodni regulativni razvoj, pa tudi povezanost zahteve glede likvidnostnega kritja z drugimi bonitetnimi zahtevami iz te uredbe, kot so količniki tveganega kapitala iz člena 92 in količnik finančnega vzvoda.
The European Parliament and the Council shall be given the opportunity to state their views on the report referred to in the first subparagraph.
Evropski parlament in Svet imata možnost, da izrazita mnenje o poročilu iz prvega pododstavka.
EBA shall in the report referred to in paragraph 1 assess the following in particular:
EBA v poročilu iz odstavka 1 oceni predvsem:
the provision of mechanisms restricting the value of liquidity inflows, in particular with a view to determining an appropriate inflow cap and the conditions for its application, taking into account different business models including pass through financing, factoring, leasing, covered bonds, mortgages, issuance of covered bonds, and the extent to which that cap should be amended or removed to cater for the specificities of specialised financing;
mehanizme, ki omejujejo vrednost prilivov likvidnih sredstev, zlasti z namenom, da se določijo ustrezna zgornja meja prilivov in pogoji uporabe te meje – in sicer ob upoštevanju različnih poslovnih modelov, vključno s pretočnim financiranjem (pass through financing), odkupom terjatev, zakupom, kritimi obveznicami, hipotekami in izdajo kritih obveznic – ter obseg, v katerem bi bilo treba to zgornjo mejo spremeniti ali odpraviti, da se upoštevajo posebnostiposebnih kreditnih aranžmajev;
the calibration of inflows and outflows referred to in Part Six, Title II, in particular under Article 422(7) and Article 425(2);
umeritev prilivov in odlivov iz naslova II dela 6, zlasti na podlagi členov 422(7) in 425(2);
the provision of mechanisms restricting the coverage of liquidity requirements by certain categories of liquid assets, in particular assessing the appropriate minimum percentage for liquid assets referred to in points (a), (b) and (c) of Article 416(1) to the total of liquid assets, testing a threshold of 60 % and taking into account international regulatory developments.
mehanizme, ki omejujejo kritje likvidnostnih zahtev z nekaterimi kategorijami likvidnih sredstev, zlasti pa oceni ustreznost minimalnega deleža likvidnih sredstev iz točk (a), (b) in (c) člena 416(1) glede na skupna likvidna sredstva in preizkusi 60 % prag, pri čemer upošteva mednarodni regulativni razvoj.
Assets owed and due or callable within 30 calendar days should not count towards the limit unless the assets have been obtained against collateral that also qualifies under points (a), (b) and (c) of Article 416(1);
Dolgovana sredstva, ki zapadejo ali se jih lahko terja v 30 koledarskih dneh, se ne bi smela upoštevati pri zadevni omejitvi, razen če so bila pridobljena na podlagi zavarovanja s premoženjem, ki prav tako izpolnjuje pogoje iz točk (a), (b) in (c) člena 416(1);
the provision of specific lower outflow and/or higher inflow rates for intragroup flows, specifying under which conditions such specific in- or outflow rates would be justified from a prudential point of view and setting out the high level outline of a methodology using objective criteria and parameters in order to determine specific levels of inflows and outflows between the institution and the counterparty when they are not established in the same Member State;
posebne nižje ravni odlivov in/ali višje ravni prilivov za tokove znotraj skupine, z določitvijo, pod katerimi pogoji bi bile take posebne ravni prilivov in odlivov upravičene z bonitetnega vidika, ter na splošno opiše metodologijo, ki temelji na uporabi objektivnih meril in parametrov, s katerimi se določajo posebne ravni prilivov in odlivov med institucijo in nasprotno stranko, če nimata sedeža v isti državi članici;
the calibration of the draw-down rates applicable to the undrawn committed credit and liquidity facilities that fall under Article 424(3) and (5).
umeritev stopenj črpanja, ki se uporabljajo za nečrpane odobrene kreditne aranžmaje in likvidnostne kredite, ki spadajo v člena 424(3) in (5).
In particular, EBA shall test a draw-down rate of 100 %;
EBA preizkusi zlasti 100 % stopnjo črpanja;