natgillin/translations-raw huggingface dataset:
Where any such meetings or activities take place, EBA shall be fully informed in advance of the organisation of such meetings, of the main issues to be discussed and of the activities to be considered.
EBA je vnaprej polno obveščen o poteku vseh takšnih sestankov ali dejavnosti, pa tudi o glavnih vprašanjih za razpravo in dejavnostih, ki bodo obravnavane.
Oversight of remuneration policies
Nadzor nad politikami prejemkov
Competent authorities shall collect the information disclosed in accordance with the criteria for disclosure established in points (g), (h) and (i) of Article 450(1) of Regulation (EU) No 575/2013 and shall use it to benchmark remuneration trends and practices.
Pristojni organi zberejo informacije, razkrite v skladu z merili za razkritje iz točk (g), (h) in (i) člena 450(1) Uredbe (EU) št. 575/2013, ter jih uporabijo za primerjavo trendov in praks prejemkov.
The competent authorities shall provide EBA with that information.
Te informacije posredujejo EBA.
EBA shall issue guidelines on sound remuneration policies which comply with the principles set out in Articles 92 to 95.
EBA izda smernice o preudarnih politikah prejemkov, ki so v skladu z načeli iz členov 92 do 95.
The guidelines shall take into account the principles on sound remuneration policies set out in Commission Recommendation 2009/384/EC of 30 April 2009 on remuneration policies in the financial services sector [29].ESMA shall cooperate closely with EBA to develop guidelines on remuneration policies for categories of staff involved in the provision of investment services and activities within the meaning of point 2 of Article 4(1) of Directive 2004/39/EC.
V smernicah so upoštevana načela preudarnih politik prejemkov iz Priporočila Komisije 2009/384/ES z dne 30. aprila 2009 o plačilnih politikah v sektorju finančnih storitev [29].ESMA tesno sodeluje z EBA pri pripravi smernic o politikah prejemkov za kategorije zaposlenih, ki sodelujejo pri opravljanju investicijskih storitev in dejavnosti v smislu točke 2 člena 4(1) Direktive 2004/39/ES.
EBA shall use the information received from the competent authorities in accordance with paragraph 1 to benchmark remuneration trends and practices at Union level.
EBA na podlagi informacij, ki jih pristojni organi zagotovijo v skladu z odstavkom 1, primerja trende in prakse prejemkov na ravni Unije.
Competent authorities shall collect information on the number of natural persons per institution that are remunerated EUR 1 million or more per financial year, in pay brackets of EUR 1 million, including their job responsibilities, the business area involved and the main elements of salary, bonus, long-term award and pension contribution.
Pristojni organi zbirajo informacije o številu fizičnih oseb na institucijo, ki imajo en milijon EUR ali več prejemkov na poslovno leto, v plačilnih razredih z enim milijonom EUR, vključno z njihovimi delovnimi pristojnostmi, zadevnim poslovnim področjem in glavnimi elementi plače, bonusi, dolgoročnimi nagradami in pokojninskimi prispevki.
That information shall be forwarded to EBA, which shall publish it on an aggregate home Member State basis in a common reporting format.
Te informacije se posredujejo EBA, ki jih združene po posamezni matični državi članici objavi v enotni obliki za poročanje.
EBA may elaborate guidelines to facilitate the implementation of this paragraph and ensure the consistency of the information collected.
EBA lahko oblikuje smernice za poenostavitev izvajanja tega odstavka in zagotovitev usklajenosti zbranih informacij.
Sub-Section 2
Pododdelek 2
Technical criteria concerning the organisation and treatment of risks
Tehnična merila za organizacijo in obravnavo tveganj
Treatment of risks
Obravnava tveganj
Member States shall ensure that the management body approves and periodically reviews the strategies and policies for taking up, managing, monitoring and mitigating the risks the institution is or might be exposed to, including those posed by the macroeconomic environment in which it operates in relation to the status of the business cycle.
Države članice zagotovijo, da upravljalni organ odobri ter redno pregleduje strategije in politike za prevzemanje, upravljanje, spremljanje in zmanjševanje tveganj, katerim je ali bi lahko bila izpostavljena institucija, vključno s tveganji, ki izvirajo iz makroekonomskega okolja, v katerem institucija posluje, glede na stanje poslovnega cikla.
Member States shall ensure that the management body devotes sufficient time to consideration of risk issues.
Države članice zagotovijo, da upravljalni organ nameni dovolj časa obravnavi vprašanj v zvezi s tveganji.
The management body shall be actively involved in and ensure that adequate resources are allocated to the management of all material risks addressed in this Directive and in Regulation (EU) No 575/2013 as well as in the valuation of assets, the use of external credit ratings and internal models relating to those risks.
Upravljalni organ aktivno sodeluje pri upravljanju vseh pomembnih tveganj, obravnavanih v tej direktivi in Uredbi (EU) št. 575/2013, ter pri vrednotenju sredstev, uporabi zunanjih bonitetnih ocen in notranjih modelov, povezanih s temi tveganji in za ta namen zagotovi ustrezne vire.
The institution shall establish reporting lines to the management body that cover all material risks and risk management policies and changes thereof.
Institucija vzpostavi sistem poročanja upravljalnemu organu, ki zajema vsa pomembna tveganja ter politike upravljanja tveganj in njihove spremembe.
Member States shall ensure that institutions that are significant in terms of their size, internal organisation and the nature, scope and complexity of their activities establish a risk committee composed of members of the management body who do not perform any executive function in the institution concerned.
Države članice zagotovijo, da institucije, ki so pomembne glede na svojo velikost, notranjo organiziranost ter naravo, obseg in zapletenost svojih dejavnosti, ustanovijo odbor za tveganja, ki je sestavljen iz članov upravljalnega organa, ki v zadevni instituciji ne opravljajo nobene izvršilne funkcije.
Members of the risk committee shall have appropriate knowledge, skills and expertise to fully understand and monitor the risk strategy and the risk appetite of the institution.
Člani odbora za tveganja imajo ustrezno znanje, veščine in izkušnje za popolno razumevanje in spremljanje strategije upravljanja tveganj in nagnjenosti institucije k prevzemanju tveganj.
The risk committee shall advise the management body on the institution's overall current and future risk appetite and strategy and assist the management body in overseeing the implementation of that strategy by senior management.
Odbor za tveganja svetuje upravljalnemu organu glede splošne sedanje in prihodnje nagnjenosti institucije k prevzemanju tveganj in glede strategije upravljanja tveganj ter upravljalnemu organu pomaga pri nadzoru izvajanja te strategije s strani višjega vodstva.
The management body shall retain overall responsibility for risks.
Upravljalni organ je še naprej v celoti odgovoren za tveganja.
The risk committee shall review whether prices of liabilities and assets offered to clients take fully into account the institution's business model and risk strategy.
Odbor za tveganja preverja, ali cene obveznosti in sredstev, ki so na voljo strankam, v celoti upoštevajo poslovni model in strategijo upravljanja tveganj institucije.
Where prices do not properly reflect risks in accordance with the business model and risk strategy, the risk committee shall present a remedy plan to the management body.
Če cene ne odražajo tveganj ustrezno v skladu s poslovnim modelom in strategijo upravljanja tveganj, odbor za tveganja upravljalnemu organu predstavi načrt za izboljšanje.
Competent authorities may allow an institution which is not considered significant as referred to in the first subparagraph to combine the risk committee with the audit committee as referred to in Article 41 of Directive 2006/43/EC.
Pristojni organi lahko instituciji, ki ne velja za pomembno v skladu s prvim pododstavkom, dovolijo, da združi odbor za tveganja in revizijsko komisijo iz člena 41 Direktive 2006/43/ES.
Members of the combined committee shall have the knowledge, skills and expertise required for the risk committee and for the audit committee.
Člani združenega odbora imajo znanje, veščine in izkušnje, potrebne za delo v odboru za tveganja in revizijski komisiji.
Member States shall ensure that the management body in its supervisory function and, where a risk committee has been established, the risk committee have adequate access to information on the risk situation of the institution and, if necessary and appropriate, to the risk management function and to external expert advice.
Države članice zagotovijo, da imata upravljalni organ v nadzorni funkciji in odbor za tveganja, kadar je ustanovljen, ustrezen dostop do informacij o profilu tveganosti institucije ter, če je to potrebno in ustrezno, do funkcije upravljanja tveganj in svetovanja zunanjih strokovnjakov.
The management body in its supervisory function and, where one has been established, the risk committee shall determine the nature, the amount, the format, and the frequency of the information on risk which it is to receive.
Upravljalni organ v nadzorni funkciji in odbor za tveganja, kadar je ustanovljen, določita naravo, obseg, obliko in pogostost informacij o tveganju, ki jih prejmeta.
In order to assist in the establishment of sound remuneration policies and practices, the risk committee shall, without prejudice to the tasks of the remuneration committee, examine whether incentives provided by the remuneration system take into consideration risk, capital, liquidity and the likelihood and timing of earnings.
Da bi odbor za tveganja, brez poseganja v naloge komisije za prejemke, lahko pomagal pri oblikovanju preudarnih politik in praks v zvezi s prejemki, preverja, ali so v spodbudah, ki jih zagotavlja sistem prejemkov, upoštevani tveganje, kapital, likvidnost ter verjetnost in časovni razpored prejemkov.
Member States shall, in accordance with the proportionality requirement laid down in Article 7(2) of Commission Directive 2006/73/EC [30], ensure that institutions have a risk management function independent from the operational functions and which shall have sufficient authority, stature, resources and access to the management body.Member States shall ensure that the risk management function ensures that all material risks are identified, measured and properly reported.
Države članice v skladu z zahtevo po sorazmernosti iz člena 7(2) Direktive Komisije 2006/73/ES [30] zagotovijo, da imajo institucije funkcijo upravljanja tveganj, ki je neodvisna od operativnih funkcij ter ima ustrezna pooblastila, ugled, sredstva in neposreden stik z upravljalnim organom.Države članice zagotovijo, da se v okviru funkcije upravljanja tveganj zagotovi, da so vsa pomembna tveganja ugotovljena, izmerjena in da se o njih ustrezno poroča.
They shall ensure that the risk management function is actively involved in elaborating the institution's risk strategy and in all material risk management decisions and that it can deliver a complete view of the whole range of risks of the institution.
Zagotovijo, da se v okviru funkcije upravljanja tveganj dejavno sodeluje pri pripravi strategije upravljanja tveganj institucije in pri vseh pomembnih odločitvah glede upravljanja tveganj ter da se v njenem okviru lahko oblikuje celovit pregled nad celotnim obsegom tveganj institucije.
Where necessary, Member States shall ensure that the risk management function can report directly to the management body in its supervisory function, independent from senior management, and can raise concerns and warn that body, where appropriate, where specific risk developments affect or may affect the institution, without prejudice to the responsibilities of the management body in its supervisory and/or managerial functions pursuant to this Directive and Regulation (EU) No 575/2013.
Po potrebi države članice zagotovijo, da je v okviru funkcije upravljanja tveganj mogoče poročati neposredno upravljalnemu organu v njegovi nadzorni funkciji, neodvisno od višjega vodstva, izražati pomisleke, in če je ustrezno, opozarjati ta organ v primeru specifičnega razvoja na področju tveganja, ki vpliva na institucijo ali bi nanjo lahko vplival, brez poseganja v pristojnosti upravljalnega organa v njegovi nadzorni funkciji in/ali funkciji upravljanja v skladu s to direktivo in Uredbo (EU) št. 575/2013.
The head of the risk management function shall be an independent senior manager with distinct responsibility for the risk management function.
Funkcijo za upravljanje tveganj vodi neodvisen višji vodja, ki je jasno odgovoren za to funkcijo.
Where the nature, scale and complexity of the activities of the institution do not justify a specially appointed person, another senior person within the institution may fulfil that function, provided there is no conflict of interest.
Kadar narava, obseg in zapletenost dejavnosti institucije ne upravičujejo posebnega imenovanja osebe, lahko to funkcijo prevzame druga oseba na višjem položaju v instituciji, če ni nasprotja interesov.
The head of the risk management function shall not be removed without prior approval of the management body in its supervisory function and shall be able to have direct access to the management body in its supervisory function where necessary.
Vodje funkcije upravljanja tveganj ni mogoče razrešiti brez predhodne odobritve upravljalnega organa v nadzorni funkciji, pri čemer ima vodja, kjer je ustrezno neposreden stik z upravljalnim organom v nadzorni funkciji.
The application of this Directive shall be without prejudice to the application of Directive 2006/73/EC to investment firms.
Uporaba te direktive ne posega v uporabo Direktive 2006/73/ES za investicijske družbe.
Internal Approaches for calculating own funds requirements
Notranji pristopi za izračunavanje kapitalskih zahtev
Competent authorities shall encourage institutions that are significant in terms of their size, internal organisation and the nature, scale and complexity of their activities to develop internal credit risk assessment capacity and to increase use of the internal ratings based approach for calculating own funds requirements for credit risk where their exposures are material in absolute terms and where they have at the same time a large number of material counterparties.
Pristojni organi spodbujajo institucije, ki so pomembne z vidika njihove velikosti, notranje organiziranosti ter narave, obsega in zapletenosti njihovih dejavnosti, da razvijejo notranje zmogljivosti za ocenjevanje kreditnega tveganja in pogosteje uporabljajo pristop na podlagi notranjih bonitetnih ocen, za izračunavanje kapitalskih zahtev za kreditno tveganje, kadar so njihove izpostavljenosti pomembne v absolutnem smislu in kadar imajo hkrati veliko število pomembnih nasprotnih strank.
This Article shall be without prejudice to the fulfilment of criteria laid down in Part Three, Title I, Chapter 3, Section 1 of Regulation (EU) No 575/2013.
Ta člen ne posega v izpolnitev meril iz oddelka 1 poglavja 3 naslova I, dela 3 Uredbe (EU) št. 575/2013.
Competent authorities shall, taking into account the nature, scale and complexity of institutions' activities, monitor that they do not solely or mechanistically rely on external credit ratings for assessing the creditworthiness of an entity or financial instrument.
Pristojni organi ob upoštevanju narave, obsega in zapletenosti dejavnosti institucije spremljajo, ali se institucija pri ocenjevanju kreditne sposobnosti subjekta ali finančnega instrumenta ne zanaša izključno ali mehanično na zunanje bonitetne ocene.
Competent authorities shall encourage institutions, taking into account their size, internal organisation and the nature, scale and complexity of their activities, to develop internal specific risk assessment capacity and to increase use of internal models for calculating own funds requirements for specific risk of debt instruments in the trading book, together with internal models to calculate own funds requirements for default and migration risk where their exposures to specific risk are material in absolute terms and where they have a large number of material positions in debt instruments of different issuers.
Pristojni organi, ob upoštevanju velikosti institucij, njihove notranje organiziranosti ter narave, obsega in zapletenosti dejavnosti institucij, spodbujajo institucije, da razvijejo notranje zmogljivosti za ocenjevanje kreditnega tveganja in pogosteje uporabljajo notranje modele za izračun kapitalskih zahtev za posebno tveganje dolžniških instrumentov v trgovalni knjigi skupaj z notranjimi modeli za izračun kapitalskih zahtev za tveganje neplačila in migracije, kadar je njihova izpostavljenost posebnemu tveganju pomembna v absolutnem smislu in kadar imajo veliko število pomembnih pozicij v dolžniških instrumentih različnih izdajateljev.
This Article shall be without prejudice to the fulfilment of the criteria laid down in Part Three, Title IV, Chapter 5, Sections 1 to 5, of Regulation (EU) No 575/2013.
Ta člen ne posega v izpolnitev meril iz oddelkov 1 do 5 poglavja 5 naslova IV dela 3 Uredbe (EU) št. 575/2013.
EBA shall develop draft regulatory technical standards to further define the notion 'exposures to specific risk which are material in absolute terms' referred to in the first subparagraph of paragraph 3 and the thresholds for large numbers of material counterparties and positions in debt instruments of different issuers.
EBA pripravi osnutke regulativnih tehničnih standardov za dodatno opredelitev pojma "izpostavljenosti posebnemu tveganju, pomembne v absolutnem smislu" iz prvega pododstavka odstavka 3 ter pragov za veliko število pomembnih nasprotnih strank in pozicij v dolžniških instrumentih različnih izdajateljev.
EBA shall submit those draft regulatory technical standards to the Commission by 1 January 2014.
EBA navedene osnutke regulativnih tehničnih standardov predloži Komisiji do 1. januarja 2014.
Supervisory benchmarking of internal approaches for calculating own funds requirements
Nadzorniško primerjanje notranjih pristopov pri izračunavanju kapitalskih zahtev
Competent authorities shall ensure that institutions permitted to use internal approaches for the calculation of risk weighted exposure amounts or own fund requirements except for operational risk report the results of the calculations of their internal approaches for their exposures or positions that are included in the benchmark portfolios.
Pristojni organi zagotovijo, da institucije, ki jim je dovoljeno uporabljati notranje pristope za izračun zneskov tveganju prilagojenih izpostavljenosti ali kapitalskih zahtev, razen za operativna tveganja, poročajo o rezultatih izračunov svojih notranjih pristopov za svoje izpostavljenosti ali pozicije, ki so vključene v referenčne portfelje.
Institutions shall submit the results of their calculations, together with an explanation of the methodologies used to produce them, to the competent authorities at an appropriate frequency, and at least annually.
Institucije rezultate svojih izračunov skupaj z razlago metodologij, ki so jih uporabile pri njihovi pripravi, v ustreznih časovnih presledkih oziroma vsaj enkrat letno predložijo pristojnim organom.
Competent authorities shall ensure that institutions submit the results of the calculations referred to in paragraph 1 in accordance with the template developed by EBA in accordance with paragraph 8 to the competent authorities and to EBA.
Pristojni organi zagotovijo, da institucije rezultate izračunov iz odstavka 1 pristojnemu organu in EBA predložijo v skladu s predlogo, ki jo v skladu z odstavkom 8 pripravi EBA.
Where competent authorities choose to develop specific portfolios, they shall do so in consultation with EBA and ensure that institutions report the results of the calculations separately from the results of the calculations for EBA portfolios.
Kadar se pristojni organi odločijo za oblikovanje posebnih portfeljev, to naredijo v posvetovanju z EBA in ob tem zagotovijo, da institucije o rezultatih izračunov poročajo ločeno od rezultatov izračunov za portfelje EBA.
Competent authorities shall, on the basis of the information submitted by institutions in accordance with paragraph 1, monitor the range of risk weighted exposure amounts or own funds requirements, as applicable, except for operational risk, for the exposures or transactions in the benchmark portfolio resulting from the internal approaches of those institutions.
Pristojni organi na podlagi informacij, ki jih predložijo institucije v skladu z odstavkom 1, po potrebi spremljajo obseg zneskov tveganju prilagojenih izpostavljenosti ali kapitalskih zahtev, razen za operativna tveganja, in sicer za izpostavljenosti ali transakcije v referenčnem portfelju, ki izhajajo iz notranjih pristopov teh institucij.
At least annually, competent authorities shall make an assessment of the quality of those approaches paying particular attention to:
Pristojni organi vsaj enkrat letno ocenijo kakovost teh pristopov, pri čemer posebno pozornost namenijo:
those approaches that exhibit significant differences in own fund requirements for the same exposure;
pristopom, pri katerih pri enaki izpostavljenosti obstajajo velike razlike v kapitalskih zahtevah,
approaches where there is particularly high or low diversity, and also where there is a significant and systematic under-estimation of own funds requirements.
pristopom, ki so izjemno raznoliki ali izjemno neraznoliki in pri katerih so kapitalske zahteve znatno in sistematično podcenjene.
EBA shall produce a report to assist the competent authorities in the assessment of the quality of the internal approaches based on the information referred to in paragraph 2.
EBA pripravi poročilo, ki je pristojnim organom v pomoč pri ocenjevanju kakovosti notranjih pristopov na podlagi informacij iz odstavka 2.
Where particular institutions diverge significantly from the majority of their peers or where there is little commonality in approach leading to a wide variance of results, competent authorities shall investigate the reasons therefor and, if it can be clearly identified that an institution's approach leads to an underestimation of own funds requirements which is not attributable to differences in the underlying risks of the exposures or positions, shall take corrective action.
Če se posamezne institucije znatno razlikujejo od večine primerljivih subjektov ali če je pristop zelo neenoten, kar povzroča precej raznolike rezultate, pristojni organi preučijo razloge za to in, če je mogoče jasno ugotoviti, da pristop institucije vodi k podcenjenosti kapitalskih zahtev, ki je ni mogoče pripisati razlikam s tem povezanih tveganj za izpostavljenosti ali pozicije, sprejmejo popravne ukrepe.
The competent authorities shall ensure that their decisions on the appropriateness of corrective actions as referred to in paragraph 4 comply with the principle that such actions must maintain the objectives of an internal approach and therefore do not:
Pristojni organi zagotovijo, da so njihove odločitve o primernosti popravnih ukrepov iz odstavka 4 skladni z načelom, da morajo takšni ukrepi podpirati cilje notranjega pristopa, in zato ne:
lead to standardisation or preferred methods;
privedejo do standardizacije ali uporabe prednostnih metod;
create wrong incentives; or
ustvarjajo napačnih spodbud; ali
cause herd behaviour.
povzročijo črednega obnašanja.
EBA may issue guidelines and recommendations in accordance with Article 16 of Regulation (EU) No 1093/2010 where it considers them necessary on the basis of the information and assessments referred to in paragraphs 2 and 3 of this Article in order to improve supervisory practices or practices of institutions with regard to internal approaches.
EBA lahko v skladu s členom 16 Uredbe (EU) št. 1093/2010 izda smernice in priporočila, če na podlagi informacij in ocen iz odstavkov 2 in 3 tega člena meni, da so potrebni za izboljšanje nadzornih praks ali praks institucij v zvezi z notranjimi pristopi.