natgillin/translations-raw huggingface dataset:
Exposures to institutions of a residual maturity of three months or less denominated and funded in the national currency of the borrower shall be assigned a risk weight that is one category less favourable than the preferential risk weight, as described in Article 114(4) to (7), assigned to exposures to the central government in which the institution is incorporated.
Izpostavljenostim do institucij s preostalo zapadlostjo tri mesece ali manj, denominiranim in financiranim v nacionalni valuti kreditojemalca, se dodeli utež tveganja, ki je eno kategorijo manj ugodna od ugodnejše uteži tveganja, dodeljene izpostavljenostim do enot centralne ravni države, v kateri ima institucija sedež, kot je opisano v členih 114(4) do (7).
No exposures with a residual maturity of three months or less denominated and funded in the national currency of the borrower shall be assigned a risk weight less than 20 %.
Izpostavljenostim s preostalo zapadlostjo tri mesece ali manj, denominiranim in financiranim v nacionalni valuti kreditojemalca, se v nobenem primeru ne dodeli utež tveganja, ki je manjša kot 20 %.
Exposure to an institution in the form of minimum reserves required by the ECB or by the central bank of a Member State to be held by an institution may be risk-weighted as exposures to the central bank of the Member State in question provided:
Izpostavljenostim do institucije iz naslova obveznih rezerv, ki jih institucija vzdržuje zaradi zahtev ECB ali centralne banke države članice, se lahko dodeli utež tveganja, ki velja za izpostavljenosti do centralne banke zadevne države članice, če:
the reserves are held in accordance with Regulation (EC) No 1745/2003 of the European Central Bank of 12 September 2003 on the application of minimum reserves [29] or in accordance with national requirements in all material respects equivalent to that Regulation;
se obvezne rezerve vzdržujejo v skladu z Uredbo (ES) št. 1745/2003 Evropske centralne banke z dne 12. septembra 2003 o uporabi obveznih rezerv [29] ali v skladu z nacionalnimi zahtevami, ki so v vseh pomembnih vidikih enakovredne navedeni uredbi;
in the event of the bankruptcy or insolvency of the institution where the reserves are held, the reserves are fully repaid to the institution in a timely manner and are not made available to meet other liabilities of the institution.
se obvezne rezerve v primeru stečaja ali insolventnosti institucije, pri kateri se vzdržujejo, pravočasno in v celoti povrnejo instituciji ter niso na voljo za pokritje drugih obveznosti institucije.
Exposures to financial institutions authorised and supervised by the competent authorities and subject to prudential requirements comparable to those applied to institutions in terms of robustness shall be treated as exposures to institutions.
Izpostavljenosti do finančnih institucij, ki imajo dovoljenje in so pod nadzorom pristojnih organov ter zanje veljajo bonitetne zahteve glede trdnosti, ki je primerljiva s tistimi, ki veljajo za institucije, se obravnavajo kot izpostavljenosti do institucij.
Exposures to rated institutions
Izpostavljenosti do ocenjenih institucij
Exposures to institutions with a residual maturity of more than three months for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 3 which corresponds to the credit assessment of the ECAI in accordance with Article 136.
Izpostavljenostim do institucij s preostalo zapadlostjo več kot tri mesece, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu z razpredelnico 3, ki ustreza bonitetni oceni ECAI v skladu s členom 136.
Exposures to an institution of up to three months residual maturity for which a credit assessment by a nominated ECAI is available shall be assigned a risk-weight according to Table 4 which corresponds to the credit assessment of the ECAI in accordance with Article 136:
Izpostavljenostim do institucije s preostalo zapadlostjo do treh mesecev, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu z razpredelnico 4, ki ustreza bonitetni oceni ECAI v skladu s členom 136:
The interaction between the treatment of short term credit assessment under Article 131 and the general preferential treatment for short term exposures set out in paragraph 2 shall be as follows:
Medsebojni vpliv obravnave kratkoročne bonitetne ocene iz člena 131 in splošne ugodnejše obravnave kratkoročnih izpostavljenosti iz odstavka 2 je naslednji:
If there is no short-term exposure assessment, the general preferential treatment for short-term exposures as specified in paragraph 2 shall apply to all exposures to institutions of up to three months residual maturity;
kadar ocena kratkoročne izpostavljenosti ni na razpolago, se splošna ugodnejša obravnava kratkoročnih izpostavljenosti iz odstavka 2 uporablja za vse izpostavljenosti do institucij s preostalo zapadlostjo do treh mesecev;
If there is a short-term assessment and such an assessment determines the application of a more favourable or identical risk weight than the use of the general preferential treatment for short-term exposures, as specified in paragraph 2, then the short-term assessment shall be used for that specific exposure only.
kadar obstaja kratkoročna ocena, ki določa uporabo ugodnejše ali enake uteži tveganja kot uporaba splošne ugodnejše obravnave kratkoročnih izpostavljenosti iz odstavka 2, se kratkoročna ocena uporablja le za navedeno ocenjeno izpostavljenost.
Other short-term exposures shall follow the general preferential treatment for short-term exposures, as specified in paragraph 2;
Za druge kratkoročne izpostavljenosti se uporablja splošna ugodnejša obravnava kratkoročnih izpostavljenosti iz odstavka 2;
If there is a short-term assessment and such an assessment determines a less favourable risk weight than the use of the general preferential treatment for short-term exposures, as specified in paragraph 2, then the general preferential treatment for short-term exposures shall not be used and all unrated short-term claims shall be assigned the same risk weight as that applied by the specific short-term assessment.
kadar obstaja kratkoročna ocena, ki določa uporabo manj ugodne uteži tveganja kot uporaba splošne ugodnejše obravnave kratkoročnih izpostavljenosti iz odstavka 2, se splošna ugodnejša obravnava kratkoročnih izpostavljenosti ne uporablja in se vsem neocenjenim kratkoročnim terjatvam dodeli enaka utež tveganja, kot se uporablja v skladu z navedeno kratkoročno oceno.
Exposures to unrated institutions
Izpostavljenosti do neocenjenih institucij
Exposures to institutions for which a credit assessment by a nominated ECAI is not available shall be assigned a risk weight according to the credit quality step to which exposures to the central government of the jurisdiction in which the institution is incorporated are assigned in accordance with Table 5.
Izpostavljenostim do institucij, za katere bonitetna ocena imenovane ECAI ni na razpolago, se dodeli utež tveganja v skladu z razpredelnico 5 glede na stopnjo kreditne kakovosti, ki se dodeli izpostavljenostim do enot centralne ravni države, na območju katere je ustanovljena institucija.
For exposures to unrated institutions incorporated in countries where the central government is unrated, the risk weight shall be 100 %.
Utež tveganja za izpostavljenosti do neocenjenih institucij, ustanovljenih v državah, katerih enote centralne ravni države niso ocenjene, je 100 %.
For exposures to unrated institutions with an original effective maturity of three months or less, the risk weight shall be 20 %.
Utež tveganja za izpostavljenosti do neocenjenih institucij z originalno efektivno zapadlostjo tri mesece ali manj je 20 %.
Notwithstanding paragraphs 2 and 3, for trade finance exposures referred to in point (b) of the second subparagraph of Article 162(3) to unrated institutions, the risk weight shall be 50 % and where the residual maturity of these trade finance exposures to unrated institutions is three months or less, the risk weight shall be 20 %.
Ne glede na odstavka 2 in 3 znaša utež tveganja za izpostavljenosti iz naslovatrgovinskega financiranja – iz točke (b) drugega pododstavka člena 162(3) – do neocenjenih institucij 50 %, kadar pa je preostala zapadlost teh izpostavljenosti iz naslova trgovinskega financiranja do neocenjenih institucij tri mesece ali manj, znaša utež tveganja 20 %.
Exposures to corporates
Izpostavljenosti do podjetij
Exposures for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 6 which corresponds to the credit assessment of the ECAI in accordance with Article 136.
Izpostavljenostim, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu z razpredelnico 6, ki ustreza bonitetni oceni ECAI v skladu s členom 136.
Exposures for which such a credit assessment is not available shall be assigned a 100 % risk weight or the risk weight of exposures to the central government of the jurisdiction in which the corporate is incorporated, whichever is the higher.
Izpostavljenostim, za katere taka bonitetna ocena ni na razpolago, se dodeli višja od naslednjih uteži tveganja: utež tveganja 100 % ali utež tveganja za izpostavljenosti do enot centralne ravni države, na območju katere je ustanovljeno podjetje.
Retail exposures
Izpostavljenosti na drobno
Exposures that comply with the following criteria shall be assigned a risk weight of 75 %:
Izpostavljenostim, ki izpolnjujejo naslednja merila, se dodeli utež tveganja 75 %:
the exposure shall be either to an natural person or persons, or to a small or medium-sized enterprise (SME);
so izpostavljenosti do ene ali več fizičnih oseb ali do majhnih ali srednjih podjetij (MSP);
the exposure shall be one of a significant number of exposures with similar characteristics such that the risks associated with such lending are substantially reduced;
izpostavljenost je ena od velikega števila izpostavljenosti s podobnimi lastnostmi, tako da so tveganja, povezana s takimi izpostavljenostmi, znatno zmanjšana;
Securities shall not be eligible for the retail exposure class.
Vrednostni papirji ne spadajo v kategorijo izpostavljenosti na drobno.
Exposures that do not comply with the criteria referred to in points (a) to (c) of the first subparagraph shall not be eligible for the retail exposures class.
Izpostavljenosti, ki ne izpolnjujejo meril iz točk (a) do (c) prvega pododstavka, ne spadajo v kategorijo izpostavljenosti na drobno.
The present value of retail minimum lease payments is eligible for the retail exposure class.
Sedanja vrednost najmanjše vsote plačil po zakupu iz naslova izpostavljenosti na drobno spada v kategorijo izpostavljenosti na drobno.
Exposures secured by mortgages on immovable property
Izpostavljenosti, zavarovane s hipotekami na nepremičnine
An exposure or any part of an exposure fully secured by mortgage on immovable property shall be assigned a risk weight of 100 %, where the conditions under Article 125 and Article 126 are not met, except for any part of the exposure which is assigned to another exposure class.
Izpostavljenosti ali delu izpostavljenosti, ki je v celoti zavarovana s hipoteko na nepremičnino, se dodeli utež tveganja 100 %, kadar pogoji iz členov 125 in 126 niso izpolnjeni, razen za del izpostavljenosti, ki je razporejen v drugo kategorijo izpostavljenosti.
The part of the exposure that exceeds the mortgage value of the property shall be assigned the risk weight applicable to the unsecured exposures of the counterparty involved.
Delu izpostavljenosti, ki presega hipotekarno kreditno vrednost nepremičnine, se dodeli utež tveganja, ki se uporablja za nezavarovane izpostavljenosti do zadevne nasprotne stranke.
The part of an exposure treated as fully secured by immovable property shall not be higher than the pledged amount of the market value or in those Member States that have laid down rigorous criteria for the assessment of the mortgage lending value in statutory or regulatory provisions, the mortgage lending value of the property in question.
Del izpostavljenosti, ki se obravnava kot v celoti zavarovana z nepremičnino, ne sme presegati zastavljenega zneska tržne vrednosti ali zadevne hipotekarne kreditne vrednosti v tistih državah članicah, ki so v zakonih ali predpisih določile stroga merila za ocenjevanje hipotekarne kreditne vrednosti.
Based on the data collected under Article 101, and any other relevant indicators, the competent authorities shall periodically, and at least annually, assess whether the risk-weight of 35 % for exposures secured by mortgages on residential property referred to in Article 125 and the risk weight of 50 % for exposures secured on commercial immovable property referred to in Article 126 located in their territory are appropriately based on:
Pristojni organi na podlagi podatkov, zbranih v skladu s členom 101, in drugih ustreznih kazalnikov redno in vsaj enkrat letno ocenijo, ali sta utež tveganja 35 % za izpostavljenosti, zavarovane s hipotekami na stanovanjske nepremičnine, iz člena 125 in utež tveganja 50 % za izpostavljenosti, zavarovane s poslovnimi nepremičninami, iz člena 126, ki se nahajajo na zadevnem ozemlju, ustrezni glede na:
the loss experience of exposures secured by immovable property;
pretekle izgube na izpostavljenostih, zavarovanih z nepremičninami,
forward-looking immovable property markets developments;
prihodnji razvoj dogodkov na nepremičninskih trgih.
Competent authorities may set a higher risk weight or stricter criteria than those set out in Article 125(2) and Article 126(2), where appropriate, on the basis of financial stability considerations.
Pristojni organi lahko določijo višjo utež tveganja ali strožja merila od tistih iz členov 125(2) in 126(2), kadar je primerno, ob upoštevanju finančne stabilnosti.
For exposures secured by mortgages on residential property, the competent authority shall set the risk weight at a percentage from 35 % through 150 %,
Za izpostavljenosti, zavarovane s hipotekami na stanovanjske nepremičnine, pristojni organi določijo utež tveganja med 35 % in 150 %.
For exposures secured on commercial immovable property, the competent authority shall set the risk weight at a percentage from 50 % through 150 %,
Za izpostavljenosti, zavarovane s poslovnimi nepremičninami, pristojni organi določijo utež tveganja med 50 % in 150 %.
Within these ranges, the higher risk weight shall be set based on loss experience and taking into account forward-looking markets developments and financial stability considerations.
V okviru teh razponov se višja utež tveganja določi na podlagi preteklih izgub in ob upoštevanju prihodnjega razvoja dogodkov na nepremičninskih trgih.
Where the assessment demonstrates that the risk weights set out in Article 125(2) and Article 126(2) do not reflect the actual risks related to one or more property segments of such exposures, fully secured by mortgages on residential property or on commercial immovable property located in one or more parts of its territory, the competent authorities shall set, for those property segments of exposures, a higher risk weight corresponding to the actual risks.
Če se na podlagi ocene ugotovi, da uteži tveganja iz členov 125(2) in 126(2) ne odražajo dejanskih tveganj, povezanih z enim ali več nepremičninskimi segmenti takšnih izpostavljenosti, ki so v celoti zavarovane s hipotekami na stanovanjske nepremičnine ali poslovne nepremičnine, ki se nahajajo na enem ali več področij zadevnega ozemlja, pristojni organi za te nepremičninske segmente izpostavljenosti določijo višjo utež tveganja v skladu z dejanskimi tveganji.
The competent authorities shall consult EBA on the adjustments to the risk weights and criteria applied, which will be calculated in accordance with the criteria set out in this paragraph as specified by the regulatory technical standards referred to in paragraph 4 of this Article.
Pristojni organi se z EBA posvetujejo glede prilagoditev uteži tveganja in uporabljenih meril, ki se bodo izračunali v skladu z merili iz tega odstavka, kot so predeljena v regulativnih tehničnih standardih iz odstavka 4 tega člena.
EBA shall publish the risk weights and criteria that the competent authorities set for exposures referred to in Articles 125, 126 and 199.
EBA objavi uteži tveganja in merila, ki so jih pristojni organi določili za izpostavljenosti iz členov 125, 126 in 199.
When competent authorities set a higher risk weight or stricter criteria, institutions shall have a 6-month transitional period to apply the new risk weight.
Če pristojni organi določijo višjo utež tveganja ali strožja merila, imajo institucije na voljo šestmesečno prehodno obdobje za uporabo nove uteži tveganja.
the rigorous criteria for the assessment of the mortgage lending value referred to in paragraph 1;
stroga merila za ocenjevanje hipotekarne kreditne vrednosti iz odstavka 1;
the conditions referred to in paragraph 2 that competent authorities shall take into account when determining higher risk-weights, in particular the term of "financial stability considerations".
pogoje iz odstavka 2, ki jih pristojni organi upoštevajo pri določanju višjih uteži tveganja, zlasti izraz "upoštevanje finančne stabilnosti".
EBA shall submit those draft regulatory technical standards to the Commission by 31 December 2014.
EBA predloži Komisiji navedene osnutke regulativnih tehničnih standardov do 31. decembra 2014.
The institutions of one Member State shall apply the risk-weights and criteria that have been determined by the competent authorities of another Member State to exposures secured by mortgages on commercial and residential immovable property located in that Member State.
Institucije ene države članice uporabijo uteži tveganja ter merila, ki so jih pristojni organi druge države članice določili za izpostavljenosti, zavarovane s hipotekami na poslovne in stanovanjske nepremičnine, ki se nahajajo v tej državi članici.
Exposures fully and completely secured by mortgages on residential property
Izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na stanovanjske nepremičnine
Unless otherwise decided by the competent authorities in accordance with Article 124(2), exposures fully and completely secured by mortgages on residential property shall be treated as follows:
Če pristojni organi ne določijo drugače v skladu s členom 124(2), se izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na stanovanjske nepremičnine, obravnavajo na naslednji način:
exposures or any part of an exposure fully and completely secured by mortgages on residential property which is or shall be occupied or let by the owner, or the beneficial owner in the case of personal investment companies, shall be assigned a risk weight of 35 %;
izpostavljenostim ali delu izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na stanovanjske nepremičnine, ki so ali šele bodo v neposredni posesti lastnika ali upravičenca v primeru osebnih investicijskih podjetij oziroma so ali šele bodo oddana s strani lastnika ali upravičenca v primeru osebnih investicijskih podjetij, se dodeli utež tveganja 35 %;
exposures to a tenant under a property leasing transaction concerning residential property under which the institution is the lessor and the tenant has an option to purchase, shall be assigned a risk weight of 35 % provided that the exposure of the institution is fully and completely secured by its ownership of the property.
izpostavljenostim do zakupnika pri poslih zakupa iz naslova stanovanjskih nepremičnin, pri katerih je institucija zakupodajalec in ima zakupnik možnost nakupa, se dodeli utež tveganja 35 %, če je izpostavljenost institucije v celoti in popolnoma zavarovana z njeno lastninsko pravico na tem premoženju.
Institutions shall consider an exposure or any part of an exposure as fully and completely secured for the purposes of paragraph 1 only if the following conditions are met:
Institucije obravnavajo izpostavljenost ali del izpostavljenosti kot v celoti in popolnoma zavarovano za namene odstavka 1 le, če so izpolnjeni naslednji pogoji:
the value of the property shall not materially depend upon the credit quality of the borrower.
vrednost nepremičnine ni pomembno odvisna od kreditne kakovosti kreditojemalca.
Institutions may exclude situations where purely macro-economic factors affect both the value of the property and the performance of the borrower from their determination of the materiality of such dependence;
Institucije lahko iz določanja obsega take odvisnosti izključijo okoliščine, ko popolnoma makroekonomski dejavniki vplivajo tako na vrednost nepremičnine kot tudi na izpolnjevanje obveznosti kreditojemalca;
the requirements set out in Article 208 and the valuation rules set out in Article 229(1) are met;
zahteve iz člena 208 in pravila za vrednotenje iz člena 229(1) so izpolnjeni;
unless otherwise determined under Article 124(2), the part of the loan to which the 35 % risk weight is assigned does not exceed 80 % of the market value of the property in question or 80 % of the mortgage lending value of the property in question in those Member States that have laid down rigorous criteria for the assessment of the mortgage lending value in statutory or regulatory provisions.
razen če ni drugače določeno v členu 124(2), del kredita, ki se mu dodeli utež tveganja 35 % ne presega 80 % tržne vrednosti zadevne nepremičnine, ali 80 % hipotekarne kreditne vrednosti zadevne nepremičnine, v tistih državah članicah, ki so v zakonih ali predpisih določile stroga merila za ocenjevanje hipotekarne kreditne vrednosti.
Institutions may derogate from point (b) of paragraph 2 for exposures fully and completely secured by mortgages on residential property which is situated within the territory of a Member State, where the competent authority of that Member State has published evidence showing that a well-developed and long-established residential property market is present in that territory with loss rates which do not exceed the following limits:
Institucije lahko odstopajo od odstavka 2(b) za izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na stanovanjske nepremičnine, ki se nahajajo na ozemlju države članice, če pristojni organ zadevne države članice objavi dokaz, da je na tem ozemlju že dolgo prisoten dobro razvit trg stanovanjskih nepremičnin, na katerem stopnje izgub ne presegajo naslednjih omejitev:
losses stemming from lending collateralised by residential property up to 80 % of the market value or 80 % of the mortgage lending value unless otherwise decided under Article 124(2) do not exceed 0,3 % of the outstanding loans collateralised by residential property in any given year;
izgube iz naslova kreditov, zavarovanih s stanovanjsko nepremičnino do 80 % tržne vrednosti ali 80 % hipotekarne kreditne vrednosti, razen če je v členu 124(2) določeno drugače, ne presegajo 0,3 % neodplačanih kreditov, zavarovanih s stanovanjsko nepremičnino, v katerem koli danem letu;
overall losses stemming from lending collateralised by residential property do not exceed 0,5 % of the outstanding loans collateralised by residential property in any given year.
skupne izgube iz naslova kreditov, zavarovanih s stanovanjsko nepremičnino, ne presegajo 0,5 % neodplačanih kreditov, zavarovanih s stanovanjsko nepremičnino, v katerem koli danem letu.
If either of the limits referred to in paragraph 3 is not satisfied in a given year, the eligibility to use paragraph 3 shall cease and the condition contained in point (b) of paragraph 2 shall apply until the conditions in paragraph 3 are satisfied in a subsequent year.
Če katera koli omejitev iz odstavka 3 v danem letu ni izpolnjena, upravičenost do uporabe odstavka 3 preneha, dokler pogoji iz odstavka 3 v enem od naslednjih let niso izpolnjeni, pa velja pogoj iz odstavka 2(b).
Exposures fully and completely secured by mortgages on commercial immovable property
Izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na poslovne nepremičnine