natgillin/translations-raw huggingface dataset:
Unless otherwise decided by the competent authorities in accordance with Article 124(2), exposures fully and completely secured by mortgages on commercial immovable 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 poslovne nepremičnine, obravnavajo na naslednji način:
exposures or any part of an exposure fully and completely secured by mortgages on offices or other commercial premises may be assigned a risk weight of 50 %;
izpostavljenostim ali delu izpostavljenosti, ki so v celoti in popolnoma zavarovane s hipotekami na pisarne ali druge gospodarske objekte, se lahko dodeli utež tveganja 50 %;
exposures related to property leasing transactions concerning offices or other commercial premises under which the institution is the lessor and the tenant has an option to purchase may be assigned a risk weight of 50 % provided that the exposure of the institution is fully and completely secured by its ownership of the property.
izpostavljenostim, ki se nanašajo na posle z zakupa iz naslova pisarn ali drugih poslovnih prostorov, pri katerih je institucija zakupodajalec in ima zakupnik možnost nakupa, se lahko dodeli utež tveganja 50 %, če je izpostavljenost institucije v celoti in popolnoma zavarovana z njeno lastninsko pravico na tem premoženju.
the risk of the borrower shall not materially depend upon the performance of the underlying property or project, but on the underlying capacity of the borrower to repay the debt from other sources, and as a consequence, the repayment of the facility shall not materially depend on any cash flow generated by the underlying property serving as collateral;
tveganje kreditojemalca ni pomembno odvisno od donosnosti zadevne nepremičnine ali projekta, ampak od zmogljivosti kreditojemalca, da poplača dolg iz drugih virov, zato vračilo dolga ni pomembno odvisno od katerega koli denarnega pritoka, ki ga ustvarja zadevna nepremičnina, ki služi kot zavarovanje;
The 50 % risk weight unless otherwise provided under Article 124(2) shall be assigned to the part of the loan that does not exceed 50 % of the market value of the property or 60 % of the mortgage lending value unless otherwise provided under Article 124(2) 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.
utež tveganja 50 %, razen če je v členu 124(2) določeno drugače, se dodeli delu kredita, ki ne presega 50 % tržne vrednosti nepremičnine ali 60 % hipotekarne kreditne vrednosti zadevne nepremičnine, razen če je v členu 124(2) določeno drugače, 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 commercial 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 commercial immovable 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 poslovne 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 poslovnih nepremičnin z izgubami, ki ne presegajo naslednjih omejitev.
losses stemming from lending collateralised by commercial immovable property up to 50 % of the market value or 60 % of the mortgage lending value, unless otherwise determined under Article 124(2), do not exceed 0,3 % of the outstanding loans collateralised by commercial immovable property;
izgube iz naslova kreditov, zavarovanih s poslovno nepremičnino do 50 % tržne vrednosti ali 60 % hipotekarne kreditne vrednosti (razen če je v členu 124(2) določeno drugače), ne presegajo 0,3 % neodplačanih kreditov, zavarovanih s poslovno nepremičnino;
overall losses stemming from lending collateralised by commercial immovable property do not exceed 0,5 % of the outstanding loans collateralised by commercial immovable property.
skupne izgube iz naslova kreditov, zavarovanih s poslovno nepremičnino, ne presegajo 0,5 % neodplačanih kreditov, zavarovanih s poslovno nepremičnino.
Where 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 in default
Neplačane izpostavljenosti
The unsecured part of any item where the obligor has defaulted in accordance with Article 178, or in the case of retail exposures, the unsecured part of any credit facility which has defaulted in accordance with Article 178 shall be assigned a risk weight of:
Nezavarovanemu delu katere koli postavke, kjer je v skladu s členom 178 prišlo do neplačila s strani dolžnika, ali nezavarovanemu delu katerega koli kreditnega produkta v primeru izpostavljenosti na drobno, kjer je v skladu s členom 178 prišlo do neplačila, se dodeli utež tveganja:
150 %, where specific credit risk adjustments are less than 20 % of the unsecured part of the exposure value if these specific credit risk adjustments were not applied;
150 %, kadar so posebni popravki zaradi kreditnega tveganja manjši od 20 % nezavarovanega dela vrednosti izpostavljenosti brez upoštevanja posebnih popravkov zaradi kreditnega tveganja;
100 %, where specific credit risk adjustments are no less than 20 % of the unsecured part of the exposure value if these specific credit risk adjustments were not applied.
100 %, kadar posebni popravki zaradi kreditnega tveganja niso manjši od 20 % nezavarovanega dela vrednosti izpostavljenosti brez upoštevanja posebnih popravkov zaradi kreditnega tveganja.
For the purpose of determining the secured part of the past due item, eligible collateral and guarantees shall be those eligible for credit risk mitigation purposes under Chapter 4.
Za namen opredelitve zavarovanega dela neplačane izpostavljenosti so primerna tista zavarovanja s premoženjem in jamstva, ki so primerna za namene zmanjševanja kreditnega tveganja iz poglavja 4.
The exposure value remaining after specific credit risk adjustments of exposures fully and completely secured by mortgages on residential property in accordance with Article 125 shall be assigned a risk weight of 100 % if a default has occurred in accordance with Article 178.
Vrednosti izpostavljenosti z upoštevanimi posebnimi popravki zaradi kreditnega tveganja, ki so v celoti in popolnoma zavarovane s hipotekami na stanovanjske nepremičnine v skladu s členom 125, se dodeli utež tveganja 100 %, če je v skladu s členom 178 prišlo do neplačila.
The exposure value remaining after specific credit risk adjustments of exposures fully and completely secured by mortgages on commercial immovable property in accordance with Article 126 shall be assigned a risk weight of 100 % if a default has occurred in accordance with Article 178.
Vrednosti izpostavljenosti z upoštevanimi posebnimi popravki zaradi kreditnega tveganja, ki so v celoti in popolnoma zavarovane s hipotekami na poslovne nepremičnine v skladu s členom 126, se dodeli utež tveganja 100 %, če je v skladu s členom 178 prišlo do neplačila.
Items associated with particular high risk
Postavke, povezane z zelo visokim tveganjem
Institutions shall assign a 150 % risk weight to exposures, including exposures in the form of shares or units in a CIU that are associated with particularly high risks, where appropriate.
Institucije dodelijo utež tveganja 150 % izpostavljenostim, vključno z izpostavljenostmi iz naslova deležev ali enot v KNP, ki so povezane z zelo visokimi tveganji, kadar je primerno.
Exposures with particularly high risks shall include any of the following exposures:
Izpostavljenosti z zelo visokimi tveganji vključujejo katero koli od naslednjih izpostavljenosti:
investments in venture capital firms;
naložbe v podjetja tveganega kapitala;
investments in AIFs as defined in Article 4(1)(a) of Directive 2011/61/EU except where the mandate of the fund does not allow a leverage higher than that required under Article 51(3) of Directive 2009/65/EC;
naložbe v AIS, kot so opredeljeni v členu 4(1)(a) Direktive 2011/61/EU, razen kadar mandat sklada ne dovoljuje vzvoda, ki bi bil višji od tistega, ki se zahteva v členu 51(3) Direktive 2009/65/ES;
investments in private equity;
naložbe v lastniške instrumente nejavnih družb;
speculative immovable property financing.
špekulativno financiranje nepremičnin.
When assessing whether an exposure other than exposures referred to in the paragraph 2 is associated with particularly high risks, institutions shall take into account the following risk characteristics:
Pri ocenjevanju, ali je izpostavljenost, ki ni navedena v odstavku 2, povezana z zelo visokimi tveganji, institucije upoštevajo naslednje značilnosti tveganja:
there is a high risk of loss as a result of a default of the obligor;
obstaja visoko tveganje izgube zaradi neplačila dolžnika;
it is impossible to assess adequately whether the exposure falls under point (a).
ni mogoče ustrezno oceniti, ali izpostavljenost spada pod točko (a).
EBA shall issue guidelines specifying which types of exposures are associated with particularly high risk and under which circumstances.
EBA izda smernice, ki določajo, katere vrste izpostavljenosti so povezane z zelo visokim tveganjem in v kakšnih okoliščinah.
Exposures in the form of covered bonds
Izpostavljenosti iz naslova naložb v krite obveznice
To be eligible for the preferential treatment set out in paragraphs 4 and 5, bonds as referred to in Article 52(4) of Directive 2009/65/EC (covered bonds) shall meet the requirements set out in paragraph 7 and shall be collateralised by any of the following eligible assets:
Da bi bile krite obveznice primerne za ugodnejšo obravnavo iz odstavkov 4 in 5, kot so opredeljene v členu 52(4) Direktive 2009/65/ES, izpolnjujejo zahteve iz odstavka 7 in so zavarovane s katerim koli izmed naslednjih primernih sredstev:
exposures to or guaranteed by central governments, ESCB central banks, public sector entities, regional governments or local authorities in the Union;
izpostavljenosti do enot centralne ravni držav, centralnih bank ESCB, subjektov javnega sektorja, enot regionalne ali lokalne ravni držav v Uniji ali izpostavljenosti, zavarovane z njihovi jamstvi;
exposures to or guaranteed by third country central governments, third-country central banks, multilateral development banks, international organisations that qualify for the credit quality step 1 as set out in this Chapter, and exposures to or guaranteed by third-country public sector entities, third-country regional governments or third-country local authorities that are risk weighted as exposures to institutions or central governments and central banks in accordance with Article 115(1) or (2), or Article 116(1), (2) or (4) respectively and that qualify for the credit quality step 1 as set out in this Chapter, and exposures within the meaning of this point that qualify as a minimum for the credit quality step 2 as set out in this Chapter, provided that they do not exceed 20 % of the nominal amount of outstanding covered bonds of the issuing institutions;
izpostavljenosti do enot centralne ravni tretjih držav, centralnih bank tretjih držav, multilateralnih razvojnih bank, mednarodnih organizacij ali izpostavljenosti, zavarovane z njihovim jamstvom, ki ustrezajo stopnji kreditne kakovosti 1, kot je določeno v tem poglavju, in izpostavljenosti do subjektov javnega sektorja tretjih držav, enot regionalne ali lokalne ravni tretjih držav, ali izpostavljenosti, zavarovane z njihovim jamstvom, ki se jim dodeli enaka utež tveganja kot za izpostavljenosti do institucij ali enot centralne ravni držav in centralnih bank v skladu s členom 115(1) ali(2) oziroma členom 116(1), (2) ali (4) in ki ustrezajo stopnji kreditne kakovosti 1, kot je določeno v tem poglavju, ter izpostavljenosti v pomenu iz te točke, ki izpolnjujejo vsaj pogoje za stopnjo kreditne kakovosti 2, kot je določeno v tem poglavju, pod pogojem, da ne presegajo 20 % nominalnega zneska neporavnanih obveznosti iz naslova kritih obveznic institucij izdajateljic;
exposures to institutions that qualify for the credit quality step 1 as set out in this Chapter.
izpostavljenosti do institucij, ki ustrezajo stopnji kreditne kakovosti 1, kot je določeno v tem poglavju.
The total exposure of this kind shall not exceed 15 % of the nominal amount of outstanding covered bonds of the issuing institution.
Takšna skupna izpostavljenost ne presega 15 % nominalnega zneska neporavnanih obveznosti iz naslova kritih obveznic institucije izdajateljice.
Exposures to institutions in the Union with a maturity not exceeding 100 days shall not be comprised by the step 1 requirement but those institutions shall as a minimum qualify for credit quality step 2 as set out in this Chapter;
Izpostavljenosti do institucij v Uniji z zapadlostjo, ki ne presega 100 dni, niso zajete v zahtevi po stopnji kreditne kakovosti 1, vendar morajo te institucije v skladu s tem poglavjem izpolnjevati vsaj pogoje za stopnjo kreditne kakovosti 2.
loans secured by:
krediti, zavarovani:
residential property up to the lesser of the principal amount of the liens that are combined with any prior liens and 80 % of the value of the pledged properties; or
s stanovanjskimi nepremičninami do višine manjše izmed zneska zastavne pravice, skupaj z morebitnimi zastavnimi pravicami z boljšim vrstnim redom, in 80 % vrednosti zastavljenih nepremičnin, ali
senior units issued by French Fonds Communs de Titrisation or equivalent securitisation entities governed by the laws of a Member State securitising residential property exposures.
krediti, zavarovani z nadrejenimi enotami, ki jih je izdal francoski Fonds Communs de Titrisation, ali podobne ustanove za listinjenje, ki jih ureja zakonodaja države članice, kjer se listinijo izpostavljenosti, zavarovane s stanovanjskimi nepremičninami.
In the event of such senior units being used as collateral, the special public supervision to protect bond holders as provided for in Article 52(4) of Directive 2009/65/EC shall ensure that the assets underlying such units shall, at any time while they are included in the cover pool be at least 90 % composed of residential mortgages that are combined with any prior liens up to the lesser of the principal amounts due under the units, the principal amounts of the liens, and 80 % of the value of the pledged properties, that the units qualify for the credit quality step 1 as set out in this Chapter and that such units do not exceed 10 % of the nominal amount of the outstanding issue.
Če se take nadrejene enote uporabijo kot zavarovanje, posebni javni nadzor z namenom zaščite imetnikov obveznic v skladu z določbami člena 52(4) Direktive 2009/65/ES zagotovi, da so sredstva, zastavljena za te enote, ves čas trajanja njihove vključitve v kritno premoženje sestavljena iz najmanj 90 % zastavnih pravic na stanovanjskih nepremičninah skupaj z morebitnimi zastavnimi pravicami z boljšim vrstnim redom do višine manjše izmed zneska obveznosti iz naslova nadrejenih enot, zneska zastavnih pravic in 80 % vrednosti zastavljenih nepremičnin, pri čemer te nadrejene enote ustrezajo stopnji kreditne kakovosti 1 iz tega poglavja in ne presegajo 10 % nominalne vrednosti izdaje.
residential loans fully guaranteed by an eligible protection provider referred to in Article 201 qualifying for the credit quality step 2 or above as set out in this Chapter, where the portion of each of the loans that is used to meet the requirement set out in this paragraph for collateralisation of the covered bond does not represent more than 80 % of the value of the corresponding residential property located in France, and where a loan-to-income ratio respects at most 33 % when the loan has been granted.
stanovanjski krediti, za katera v celoti jamči primeren dajalec zavarovanja iz člena 201 in ki izpolnjuje pogoje za stopnjo kreditne kakovosti 2 ali več, kot je določeno v tem poglavju, kadar delež vsakega posameznega kreditia, ki se zaradi izpolnjevanja zahteve iz tega odstavka uporabi kot zavarovanje za krite obveznice, ne presega 80 % vrednosti ustrezne stanovanjske nepremičnine, ki se nahaja v Franciji, in kadar je bilo razmerje med kreditom in dohodkom največ 33 %, ko je bil kredit odobren.
There shall be no mortgage liens on the residential property when the loan is granted, and for the loans granted from 1 January 2014 the borrower shall be contractually committed not to grant such liens without the consent of the credit institution that granted the loan.
Ob odobritvi kredita na nepremičnini ni nobenih zastavnih pravic, za kredite, odobrene po 1. januarju 2014, pa je kreditojemalec pogodbeno zavezan, da brez privolitve kreditne institucije, ki je odobrila kredit, ne bo vzpostavljal takšnih zastavnih pravic.
The loan-to-income ratio represents the share of the gross income of the borrower that covers the reimbursement of the loan, including the interests.
Razmerje med kreditom in dohodkom predstavlja delež bruto dohodka kreditojemalca, s katerim se poplačuje kredit, vključno z obrestmi.
The protection provider shall be either a financial institution authorised and supervised by the competent authorities and subject to prudential requirements comparable to those applied to institutions in terms of robustness or an institution or an insurance undertaking.
Dajalec zavarovanja je bodisi finančna institucija, ki ima dovoljenje in je pod nadzorom pristojnih organov ter zanjo veljajo stabilne bonitetne zahteve, ki so primerljive s tistimi, ki veljajo za institucije, bodisi institucija ali zavarovalnica.
It shall establish a mutual guarantee fund or equivalent protection for insurance undertakings to absorb credit risk losses, whose calibration shall be periodically reviewed by the competent authorities.
Ta vzpostavi vzajemni jamstveni sklad ali enakovredno zavarovanje, da bodo lahko zavarovalnice krile izgube iz kreditnega tveganja, umerjanje teh izgub pa redno pregledujejo pristojni organi.
Both the credit institution and the protection provider shall carry out a creditworthiness assessment of the borrower;
Kreditna institucija in dajalec zavarovanja izdelata oceno kreditne sposobnosti kreditojemalca;
commercial immovable property up to the lesser of the principal amount of the liens that are combined with any prior liens and 60 % of the value of the pledged properties; or
s poslovnimi nepremičninami do višine manjše izmed zneska zastavne pravice, skupaj z morebitnimi zastavnimi pravicami z boljšim vrstnim redom, in 60 % vrednosti zastavljenih nepremičnin, ali
senior units issued by French Fonds Communs de Titrisation or equivalent securitisation entities governed by the laws of a Member State securitising commercial immovable property exposures.
z nadrejenimi enotami, ki jih je izdal francoski Fonds Communs de Titrisation ali podobne ustanove za listinjenje, ki jih ureja zakonodaja države članice, kjer se listinijo izpostavljenosti, zavarovane s poslovnimi nepremičninami.
In the event of such senior units being used as collateral, the special public supervision to protect bond holders as provided for in Article 52(4) of Directive 2009/65/EC shall ensure that the assets underlying such units shall, at any time while they are included in the cover pool be at least 90 % composed of commercial mortgages that are combined with any prior liens up to the lesser of the principal amounts due under the units, the principal amounts of the liens, and 60 % of the value of the pledged properties, that the units qualify for the credit quality step 1 as set out in this Chapter and that such units do not exceed 10 % of the nominal amount of the outstanding issue.
Če se takšne nadrejene enote uporabijo za zavarovanje, posebni javni nadzor z namenom zaščite imetnikov obveznic v skladu z določbami člena 52(4) Direktive 2009/65/ES zagotovi, da so sredstva, zastavljena za te enote, ves čas trajanja njihove vključitve v kritno premoženje sestavljena iz najmanj 90 % zastavnih pravic na poslovnih nepremičninah skupaj z morebitnimi zastavnimipravicami z boljšim vrstnim redom do višine manjše izmed zneska obveznosti iz naslova nadrejenih enot, zneska zastavnih pravic in 60 % vrednosti zastavljenih nepremičnin, pri čemer te nadrejene enote ustrezajo stopnji kreditne kakovosti 1 iz tega poglavja in ne presegajo 10 % nominalne vrednosti izdaje.
Loans secured by commercial immovable property are eligible where the Loan to Value ratio of 60 % is exceeded up to a maximum level of 70 % if the value of the total assets pledged as collateral for the covered bonds exceed the nominal amount outstanding on the covered bond by at least 10 %, and the bondholders' claim meets the legal certainty requirements set out in Chapter 4.
Krediti, zavarovani s poslovnimi nepremičninami, so primerna, kadar se razmerje med vrednostjo kredita in vrednostjo zastavljenih nepremičnin, ki znaša 60 %, prekorači do največ 70 %, če skupna vrednost vseh sredstev, zastavljenih kot zavarovanje za krite obveznice, preseže nominalni znesek neporavnanih obveznosti iz naslova kritih obveznic za vsaj 10 % in če terjatev imetnika obveznic izpolnjuje nekatere zahteve glede pravne gotovosti iz poglavja 4.
The bondholders' claim shall take priority over all other claims on the collateral;
Terjatev imetnika obveznic ima prednost pred vsemi drugimi terjatvami iz naslova zavarovanja.
loans secured by maritime liens on ships up to the difference between 60 % of the value of the pledged ship and the value of any prior maritime liens.
krediti, zavarovani z zastavno pravico na ladjah do razlike med 60 % vrednosti zastavljene ladje in vrednostjo morebitnih predhodnih zastavnih pravic na ladji.
For the purposes of points (c), (d)(ii) and (f)(ii) of the first subparagraph, exposures caused by transmission and management of payments of the obligors of, or liquidation proceeds in respect of, loans secured by pledged properties of the senior units or debt securities shall not be comprised in calculating the limits referred to in those points.
Za namene točk (c), (d)(ii) in (f)(ii) prvega pododstavka izpostavljenosti do imetnikov kritih obveznic, ki so nastale s prenosom in upravljanjem plačil dolžnikov iz naslova kreditov, zavarovanih z nepremičninami ali likvidacijski iztržki iz naslova kreditov, zavarovanih z nepremičninami, niso zajete v izračun omejitev, navedenih v teh točkah.
The competent authorities may, after consulting EBA, partly waive the application of point (c) of the first subparagraph and allow credit quality step 2 for up to 10 % of the total exposure of the nominal amount of outstanding covered bonds of the issuing institution, provided that significant potential concentration problems in the Member States concerned can be documented due to the application of the credit quality step 1 requirement referred to in that point.
Pristojni organi lahko po posvetovanju z EBA delno opustijo uporabo točke (c) prvega pododstavka in dovolijo stopnjo kreditne kakovosti 2 do višine 10 % skupne izpostavljenosti nominalnega zneska neporavnanih obveznosti iz naslova kritih obveznic institucije izdajateljice, pod pogojem, da je mogoče dokumentirati pomembne morebitne težave glede koncentracije v zadevnih državah članicah zaradi zahteve po stopnji kreditne kakovosti 1 iz navedene točke.
The situations referred to in points (a) to (f) of paragraph 1 shall also include collateral that is exclusively restricted by legislation to the protection of the bond-holders against losses.
Razmere iz točk (a) do (f) odstavka 1 vključujejo tudi zavarovanje, ki je v skladu z veljavnimi pravnimi predpisi omejeno izključno na varovanje imetnikov kritih obveznic pred izgubo.