natgillin/translations-raw huggingface dataset:
EBA, EIOPA and ESMA shall develop draft implementing technical standards to specify the quantitative factors referred to in point (a), the qualitative factors referred to in point (b) and the benchmark referred to in point (c) of paragraph 2.
EBA, EIOPA in ESMA pripravijo osnutke izvedbenih tehničnih standardov, da se opredelijo kvantitativni dejavniki iz odstavka 2(a), kvalitativni dejavniki iz odstavka 2(b) in primerjalna vrednost iz odstavka 2(c).
EBA, EIOPA and ESMA shall submit those draft implementing technical standards to the Commission by 1 July 2014.
EBA, EIOPA in ESMA Komisiji predložijo navedene osnutke izvedbenih tehničnih standardov do 1. julija 2014.
Use of credit assessments by Export Credit Agencies
Uporaba bonitetnih ocen izvoznih agencij
For the purpose of Article 114, institutions may use credit assessments of an Export Credit Agency that the institution has nominated, if either of the following conditions is met:
Za namene člena 114 lahko institucije uporabljajo bonitetne ocene izvozne agencije, ki jo je imenovala zadevna institucija, če je izpolnjen eden od naslednjih pogojev:
it is a consensus risk score from Export Credit Agencies participating in the OECD 'Arrangement on Guidelines for Officially Supported Export Credits';
gre za soglasno oceno tveganja izvoznih agencij, ki sodelujejo v "Dogovoru o smernicah za uradno podprte izvozne kredite" OECD;
the Export Credit Agency publishes its credit assessments, and the Export Credit Agency subscribes to the OECD agreed methodology, and the credit assessment is associated with one of the eight minimum export insurance premiums that the OECD agreed methodology establishes.
izvozna agencija objavlja svoje bonitetne ocene in je zavezana k uporabi dogovorjene metodologije OECD, pri čemer je bonitetna ocena povezana z eno od osmih minimalnih premij za zavarovanje izvoza (MEIP), ki jih določa dogovorjena metodologija OECD.
An institution may revoke its nomination of an Export Credit Agency.
Institucija lahko prekliče imenovanje izvozne agencije.
An institution shall substantiate the revocation if there are concrete indications that the intention underlying the revocation is to reduce the capital adequacy requirements.
Institucija mora preklic utemeljiti, če obstajajo konkretni znaki, da je glavni namen preklica zmanjšati zahteve glede kapitalske ustreznosti.
Exposures for which a credit assessment by an Export Credit Agency is recognised for risk weighting purposes shall be assigned a risk weight according to Table 9.
Izpostavljenostim, za katere je za namene tehtanja tveganja priznana bonitetna ocena izvozne agencije, se dodeli utež tveganja v skladu z razpredelnico 9.
Use of the ecai credit assessments for the determination of risk weights
Uporaba bonitetnih ocen ecai za določanje uteži tveganja
An institution may nominate one or more ECAIs to be used for the determination of risk weights to be assigned to assets and off-balance sheet items.
Institucija lahko imenuje eno ali več ECAI, ki se bodo uporabljale za določanje uteži tveganja za aktivne postavke in zunajbilančne postavke.
An institution may revoke its nomination of an ECAI.
Institucija lahko prekliče imenovanje ECAI.
An institution shall use solicited credit assessments.
Institucija uporablja naročene bonitetne ocene.
However it may use unsolicited credit assessments if EBA has confirmed that unsolicited credit assessments of an ECAI do not differ in quality from solicited credit assessments of this ECAI.
Vendar lahko uporabi tudi nenaročene bonitetne ocene, če EBA potrdi, da se nenaročene bonitetne ocene ECAI po kakovosti ne razlikujejo od naročenih bonitetnih ocen iste ECAI.
EBA shall refuse or revoke this confirmation in particular if the ECAI has used an unsolicited credit assessment to put pressure on the rated entity to place an order for a credit assessment or other services.
EBA zadevno potrditev zavrne ali prekliče, zlasti če ECAI poskuša z nenaročeno bonitetno oceno pripraviti ocenjevani subjekt do tega, da bi naročil bonitetno oceno ali druge storitve.
In using credit assessment, institutions shall comply with the following requirements:
Institucije uporabljajo bonitetne ocene v skladu z naslednjimi zahtevami:
an institution which decides to use the credit assessments produced by an ECAI for a certain class of items shall use those credit assessments consistently for all exposures belonging to that class;
institucija, ki se odloči za uporabo bonitetnih ocen, ki jih je pripravila ECAI, za posamezno kategorijo izpostavljenosti, te bonitetne ocene uporablja dosledno za vse izpostavljenosti iz navedene kategorije;
an institution which decides to use the credit assessments produced by an ECAI shall use them in a continuous and consistent way over time;
institucija, ki se odloči za uporabo bonitetnih ocen, ki jih je pripravila ECAI, te bonitetne ocene uporablja stalno in dosledno;
an institution shall only use ECAIs credit assessments that take into account all amounts both in principal and in interest owed to it;
institucija lahko uporablja le bonitetne ocene ECAI, ki upoštevajo vse zneske iz naslova dolgovane glavnice in iz naslova dolgovanih obresti;
where only one credit assessment is available from a nominated ECAI for a rated item, that credit assessment shall be used to determine the risk weight for that item;
kadar je za ocenjeno postavko od imenovane ECAI na voljo le ena bonitetna ocena, se za določanje uteži tveganja za to postavko uporablja zadevna bonitetna ocena;
where two credit assessments are available from nominated ECAIs and the two correspond to different risk weights for a rated item, the higher risk weight shall be assigned;
kadar sta za ocenjeno postavko od imenovanih ECAI na voljo dve bonitetni oceni, ki ustrezata različnim utežem tveganja, se uporabi višja utež tveganja;
where more than two credit assessments are available from nominated ECAIs for a rated item, the two assessments generating the two lowest risk weights shall be referred to.
kadar je za ocenjeno postavko od imenovanih ECAI na voljo več bonitetnih ocen, se uporabita bonitetni oceni, ki dajeta dve najnižji uteži tveganja.
If the two lowest risk weights are the same, that risk weight shall be assigned.
Če sta najnižji uteži tveganja enaki, se uporabi ta utež tveganja.
Issuer and issue credit assessment
Bonitetna ocena izdajatelja in izdaje
Where a credit assessment exists for a specific issuing programme or facility to which the item constituting the exposure belongs, this credit assessment shall be used to determine the risk weight to be assigned to that item.
Če je na razpolago bonitetna ocena za posamezen program izdaje ali posamezen finančni instrument, ki predstavlja izpostavljenost, se za določanje uteži tveganja za zadevno izpostavljenost uporabi ta bonitetna ocena.
Where no directly applicable credit assessment exists for a certain item, but a credit assessment exists for a specific issuing programme or facility to which the item constituting the exposure does not belong or a general credit assessment exists for the issuer, then that credit assessment shall be used in either of the following cases:
Če za posamezno izpostavljenost neposredno ni na razpolago bonitetne ocene, vendar je na razpolago bonitetna ocena za posamezen program izdaje ali posamezen finančni instrument, ki ne predstavlja te izpostavljenosti, ali pa je na razpolago splošna bonitetna ocena izdajatelja, se ta bonitetna ocena uporabi v katerem koli od naslednjih primerov:
it produces a higher risk weight than would other wise be the case and the exposure in question ranks pari passu or junior in all respects to the specific issuing program or facility or to senior unsecured exposures of that issuer, as relevant;
če daje višjo utež tveganja, kakor bi bila sicer določena, in je zadevna izpostavljenost v vseh pogledih uvrščena pari passu ali podrejeno posameznemu programu izdaje ali posameznemu finančnemu instrumentu ali nadrejenim nezavarovanim izpostavljenostim do navedenega izdajatelja;
it produces a lower risk weight and the exposure in question ranks pari passu or senior in all respects to the specific issuing programme or facility or to senior unsecured exposures of that issuer, as relevant.
če daje nižjo utež tveganja in je zadevna izpostavljenost v vseh pogledih uvrščena pari passu ali nadrejeno posameznemu programu izdaje ali posameznemu finančnemu instrumentu ali nadrejenim nezavarovanim izpostavljenostim do navedenega izdajatelja.
In all other cases, the exposure shall be treated as unrated.
V vseh drugih primerih se izpostavljenost šteje za neocenjeno.
Paragraphs 1 and 2 are not to prevent the application of Article 129.
Odstavka 1 in 2 ne preprečujeta uporabe člena 129.
Long-term and short-term credit assessments
Dolgoročne in kratkoročne bonitetne ocene
Short-term credit assessments may only be used for short-term asset and off-balance sheet items constituting exposures to institutions and corporates.
Kratkoročne bonitetne ocene se lahko uporabljajo le za kratkoročne aktivne in zunajbilančne postavke, ki predstavljajo izpostavljenosti do institucij in podjetij.
Any short-term credit assessment shall only apply to the item the short-term credit assessment refers to, and it shall not be used to derive risk weights for any other item, except in the following cases:
Kratkoročna bonitetna ocena se uporablja le za izpostavljenost, na katero se nanaša, in se ne uporablja za izpeljevanje uteži tveganja za katero koli drugo izpostavljenost, razen v naslednjih primerih:
if a short-term rated facility is assigned a 150 % risk weight, then all unrated unsecured exposures on that obligor whether short-term or long-term shall also be assigned a 150 % risk weight;
če se ocenjenemu kratkoročnemu finančnemu instrumentu dodeli utež tveganja 150 %, se utež tveganja 150 % dodeli tudi vsem neocenjenim nezavarovanim kratkoročnim in dolgoročnim izpostavljenostim do zadevnega dolžnika;
if a short-term rated facility is assigned a 50 % risk-weight, no unrated short-term exposure shall be assigned a risk weight lower than 100 %.
če se ocenjenemu kratkoročnemu finančnemu instrumentu dodeli utež tveganja 50 %, se nobeni neocenjeni kratkoročni izpostavljenosti ne dodeli utež tveganja manj kot 100 %.
Domestic and foreign currency items
Postavke v domači in tuji valuti
A credit assessment that refers to an item denominated in the obligor's domestic currency cannot be used to derive a risk weight for another exposure on that same obligor that is denominated in a foreign currency.
Bonitetna ocena, ki se nanaša na izpostavljenost, denominirano v domači valuti dolžnika, se ne more uporabljati za določanje uteži tveganja za drugo izpostavljenost do istega dolžnika, ki je denominirana v tuji valuti.
When an exposure arises through an institution's participation in a loan that has been extended by a multilateral development bank whose preferred creditor status is recognised in the market, the credit assessment on the obligors' domestic currency item may be used for risk weighting purposes.
Če izpostavljenost nastane zaradi udeležbe institucije v posojilu, ki ga je odobrila multilateralna razvojna banka, katere status prednostnega upnika je priznan na trgu, se lahko bonitetna ocena, za to izpostavljenost v domači valuti dolžnika, uporabi za namene določitve uteži tveganja.
Internal Ratings Based Approach
Pristop na osnovi notranjih bonitetnih ocen (pristop IRB)
Permission by competent authorities to use the irb approach
Dovoljenje pristojnih organov za uporabo pristopa irb
For the purposes of this Chapter, the following definitions shall apply:
V tem poglavju se uporabljajo naslednje opredelitve pojmov:
'rating system' means all of the methods, processes, controls, data collection and IT systems that support the assessment of credit risk, the assignment of exposures to rating grades or pools, and the quantification of default and loss estimates that have been developed for a certain type of exposures;
"bonitetni sistem" pomeni vse metode, procese, kontrole, zbiranje podatkov in informacijske sisteme, ki podpirajo ocenjevanje kreditnega tveganja, razvrščanje izpostavljenosti v bonitetne razrede ali skupine ter količinsko opredelitev ocen neplačila in izgube, ki so bile izdelane za posamezno vrsto izpostavljenosti;
'type of exposures' means a group of homogeneously managed exposures which are formed by a certain type of facilities and which may be limited to a single entity or a single sub-set of entities within a group provided that the same type of exposures is managed differently in other entities of the group;
"vrsta izpostavljenosti" pomeni skupino izpostavljenosti, ki se obravnavajo enako in se oblikujejo na podlagi določene vrste izpostavljenosti in, ki so lahko omejene na posamezen subjekt ali posamezen podsklop subjektov znotraj skupine, če se ista vrsta izpostavljenosti obravnava drugače pri drugih subjektih skupine;
'business unit' means any separate organisational or legal entities, business lines, geographical locations;
"poslovna enota" pomeni katere koli ločene organizacijske enote ali pravne subjekte, poslovna področja in geografske lokacije;
'large financial sector entity' means any financial sector entity, other than those referred to in point (27)(j) of Article 4(1), which meets the following conditions:
"velik subjekt finančnega sektorja" pomeni kateri koli subjekt finančnega sektorja, ki ni opredeljen v točki (27)(j) člena 4(1) in ki izpolnjuje naslednje pogoje:
its total assets, calculated on an individual or consolidated basis, are greater than or equal to a EUR 70 billion threshold, using the most recent audited financial statement or consolidated financial statement in order to determine asset size; and
njegova bilančna vsota, izračunana na posamični ali konsolidirani podlagi, je večja ali enaka 70 milijard EUR, pri čemer se za določitev velikosti bilančne vsote uporabi najnovejši revidiran računovodski izkaz ali konsolidiran finančni izkaz; in
it is, or one of its subsidiaries is, subject to prudential regulation in the Union or to the laws of a third country which applies prudential supervisory and regulatory requirements at least equivalent to those applied in the Union;
zanjo ali za najmanj eno njeno podrejeno družbo velja bonitetna ureditev Unije ali zakonodaja tretje države, v kateri velja bonitetni nadzor ali regulativne zahteve, ki so vsaj enakovredne tistim v Uniji.
'unregulated financial entity' means any other entity that is not a regulated financial sector entity but performs, as its main business, one or more of the activities listed in Annex I to Directive 2013/36/EU or listed in Annex I to Directive 2004/39/EC;
"nereguliran finančni subjekt" pomeni kateri koli drug subjekt, ki ni subjekt reguliranega finančnega sektorja, vendar kot svojo glavno poslovno dejavnost opravlja eno ali več dejavnosti iz Priloge I k Direktivi 2013/36/EU ali Priloge I k Direktivi 2004/39/ES;
'obligor grade' means a risk category within the obligor rating scale of a rating system, to which obligors are assigned on the basis of a specified and distinct set of rating criteria, from which estimates of probability of default (PD) are derived;
"bonitetni razred dolžnika" pomeni kategorijo tveganja v okviru bonitetne lestvice dolžnika v bonitetnem sistemu, v katero se razvrstijo dolžniki na podlagi posebnih in jasnih bonitetnih meril, iz katerih so izpeljane ocene verjetnosti neplačila (PD);
'facility grade' means a risk category within a rating system's facility scale, to which exposures are assigned on the basis of a specified and distinct set of rating criteria from which own estimates of LGD are derived;
"bonitetni razred izpostavljenosti" pomeni kategorijo tveganja v okviru bonitetne lestvice izpostavljenosti v bonitetnem sistemu, v katero se razvrstijo izpostavljenosti na podlagi posebnih in jasnih bonitetnih meril, iz katerih so izpeljane lastne ocene LGD;
'servicer' means an entity that manages a pool of purchased receivables or the underlying credit exposures on a day-to-day basis.
"serviser" pomeni subjekt, ki dnevno upravlja skupino odkupljenih denarnih terjatev ali osnovne kreditne izpostavljenosti.
For the purposes of point (4)(b) of paragraph 1 of this Article, the Commission may adopt, by way of implementing acts, and subject to the examination procedure referred to in Article 464(2), a decision as to whether a third country applies supervisory and regulatory arrangements at least equivalent to those applied in the Union.
Za namene točke 4(b) odstavka 1 tega člena lahko Komisija z izvedbenimi akti in ob upoštevanju postopka pregleda iz člena 464(2) sprejme odločitev o tem, ali je nadzorniška in regulativna ureditev tretje države vsaj enakovredna tisti, ki se uporablja v Uniji.
In the absence of such a decision, until 1 January 2015, institutions may continue to apply the treatment set out in this paragraph to a third country where the relevant competent authorities had approved the third country as eligible for this treatment before 1 January 2014.
Če Komisija take odločitve ne sprejme, lahko institucije do 1. januarja 2015 še naprej uporabljajo obravnavo iz tega odstavka za tretjo državo, ki so jo zadevni pristojni organi odobrili kot primerno za to obravnavo pred 1. januarjem 2014.
Permission to use the IRB Approach
Dovoljenje za uporabo pristopa IRB
Where the conditions set out in this Chapter are met, the competent authority shall permit institutions to calculate their risk-weighted exposure amounts using the Internal Ratings Based Approach (hereinafter referred to as 'IRB Approach').
Če so pogoji iz tega poglavja izpolnjeni, pristojni organ institucijam dovoli, da svoje zneske tveganju prilagojenih izpostavljenosti izračunajo z uporabo pristopa na osnovi notranjih bonitetnih ocen (v nadaljnjem besedilu: pristop IRB).
Prior permission to the use the IRB Approach, including own estimates of LGD and conversion factors, shall be required for each exposure class and for each rating system and internal model approaches to equity exposures and for each approach to estimating LGDs and conversion factors used.
Predhodno dovoljenje za uporabo pristopa IRB, vključno z lastnimi ocenami LGD in konverzijskimi faktorji, se zahteva za vsako kategorijo izpostavljenosti in vsak uporabljen bonitetni sistem, pristop notranjih modelov za izpostavljenosti iz naslova lastniških instrumentov ter za vsak uporabljen pristop k ocenjevanju LGD in konverzijskih faktorjev.
Institutions shall obtain the prior permission of the competent authorities for the following:
Institucije predhodno dovoljenje pristojnih organov pridobijo za:
material changes to the range of application of a rating system or an internal models approach to equity exposures that the institution has received permission to use;
pomembne spremembe obsega uporabe bonitetnega sistema ali pristopa notranjih modelov za izpostavljenosti iz naslova lastniških instrumentov, za katere je institucija že prejela dovoljenje za uporabo;
material changes to a rating system or an internal models approach to equity exposures that the institution has received permission to use.
pomembne spremembe bonitetnega sistema ali pristopa notranjih modelov za izpostavljenosti iz naslova lastniških instrumentov, za katere je institucija že prejela dovoljenje za uporabo.
The range of application of a rating system shall comprise all exposures of the relevant type of exposure for which that rating system was developed.
Obseg uporabe bonitetnega sistema zajema vse izpostavljenosti v okviru ustrezne vrste izpostavljenosti, za katero je bil ta bonitetni sistem razvit.
Institutions shall notify the competent authorities of all changes to rating systems and internal models approaches to equity exposures.
Institucije pristojne organe uradno obvestijo o vseh spremembah bonitetnih sistemov in pristopov notranjih modelov za izpostavljenosti iz naslova lastniških instrumentov.
EBA shall develop draft regulatory technical standards to specify the conditions for assessing the materiality of the use of an existing rating system for other additional exposures not already covered by that rating system and changes to rating systems or internal models approaches to equity exposures under the IRB Approach.
EBA pripravi osnutke regulativnih tehničnih standardov, v katerih opredeli pogoje za ocenjevanje pomembnosti uporabe obstoječih bonitetnih sistemov za druge dodatne izpostavljenosti, ki niso zajete že v tem bonitetnem sistemu, in sprememb bonitetnih sistemov ali pristopov notranjih modelov za izpostavljenosti iz naslova lastniških instrumentov v skladu s pristopom IRB.
EBA shall submit those draft regulatory technical standards to the Commission by 31 December 2013.
EBA predloži Komisiji navedene osnutke regulativnih tehničnih standardov do 31. decembra 2013.
Power is delegated to the Commission to adopt the regulatory technical standards referred to the first subparagraph in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.
Na Komisijo se prenese pooblastilo za sprejetje regulativnih tehničnih standardov iz prvega pododstavka v skladu s členi 10 do 14 Uredbe (EU) št. 1093/2010.
Competent authorities' assessment of an application to use an IRB Approach
Ocena vloge za uporabo pristopa IRB s strani pristojnih organov
The competent authority shall grant permission pursuant to Article 143 for an institution to use the IRB Approach, including to use own estimates of LGD and conversion factors, only if the competent authority is satisfied that requirements laid down in this Chapter are met, in particular those laid down in Section 6, and that the systems of the institution for the management and rating of credit risk exposures are sound and implemented with integrity and, in particular, that the institution has demonstrated to the satisfaction of the competent authority that the following standards are met:
Pristojni organ izda instituciji dovoljenje v skladu s členom 143 za uporabo pristopa IRB, vključno z uporabo lastnih ocen LGD in konverzijskih faktorjev, le, če meni, da so izpolnjene zahteve iz tega poglavja, zlasti zahteve iz oddelka 6, ter da so sistemi institucije za upravljanje in bonitetno ocenjevanje izpostavljenosti iz naslova kreditnega tveganja trdni in celovito uvedeni, ter zlasti če mu institucija dokaže, da so izpolnjeni naslednji standardi:
the institution's rating systems provide for a meaningful assessment of obligor and transaction characteristics, a meaningful differentiation of risk and accurate and consistent quantitative estimates of risk;
bonitetni sistemi institucije omogočajo smiselno oceno značilnosti dolžnika in izpostavljenosti, smiselno razlikovanje tveganja ter natančne in dosledne kvantitativne ocene tveganja;
internal ratings and default and loss estimates used in the calculation of own funds requirements and associated systems and processes play an essential role in the risk management and decision-making process, and in the credit approval, internal capital allocation and corporate governance functions of the institution;
notranje bonitetne ocene ter ocene neplačila in izgube, ki se uporabljajo pri izračunu kapitalskih zahtev, ter z njimi povezani sistemi in procesi so ključni pri upravljanju tveganj in postopku odločanja ter pri odobritvi kreditov, razporeditvi notranjega kapitala in funkcijah korporativnega upravljanja;
the institution has a credit risk control unit responsible for its rating systems that is appropriately independent and free from undue influence;
institucija ima enoto za nadzor kreditnega tveganja, pristojno za bonitetne sisteme, ki je ustrezno neodvisna in ni izpostavljena neprimernim vplivom;
the institution collects and stores all relevant data to provide effective support to its credit risk measurement and management process;
institucija zbira in hrani vse pomembne podatke za zagotavljanje učinkovite podpore svojemu procesu merjenja in upravljanja kreditnega tveganja;
the institution documents its rating systems and the rationale for their design and validates its rating systems;
institucija dokumentira svoje bonitetne sisteme in načelo za njihovo sestavo ter svoje bonitetne sisteme ovrednoti;