natgillin/translations-raw huggingface dataset:
Where an institution buys credit protection through a total return swap and records the net payments received on the swap as net income, but does not record the offsetting deterioration in the value of the asset that is protected either through reductions in fair value or by an addition to reserves, that credit protection does not qualify as eligible credit protection.
Kadar institucija kupi kreditno zavarovanje z zamenjavo skupnega donosa in knjiži neto plačila, prejeta na podlagi zamenjave, kot neto prihodek, hkrati pa ne knjiži nasprotno učinkujočega zmanjšanja vrednosti zavarovane aktive z zmanjšanjem poštene vrednosti ali zoblikovanjem dodatnih popravkov, se kreditno zavarovanje ne šteje za primerno kreditno zavarovanje.
Where an institution conducts an internal hedge using a credit derivative, in order for the credit protection to qualify as eligible credit protection for the purposes of this Chapter, the credit risk transferred to the trading book shall be transferred out to a third party or parties.
Kadar institucija izvaja notranje varovanje z uporabo kreditnih izvedenih finančnih instrumentov, je treba, da bi zavarovanje štelo za primerno kreditno zavarovanje za namene tega poglavja, kreditno tveganje, preneseno v trgovalno knjigo, prenesti na tretjo stranko ali tretje stranke.
Where an internal hedge has been conducted in accordance with the first subparagraph and the requirements in this Chapter have been met, institutions shall apply the rules set out in Sections 4 to 6 for the calculation of risk-weighted exposure amounts and expected loss amounts where they acquire unfunded credit protection.
Če je bilo izvedeno notranje varovanje v skladu s prvim pododstavkom in so bile izpolnjene zahteve iz tega poglavja, institucije uporabijo pravila iz oddelkov 4 do 6 za izračun zneskov tveganju prilagojenih izpostavljenosti in zneskov pričakovanih izgub, kadar pridobijo osebno kreditno zavarovanje.
Article 205
člen 205
Requirements for on-balance sheet netting agreements other than master netting agreements referred to in Article 206
Zahteve za pogodbe o bilančnem pobotu, razen okvirnih pogodb o pobotu iz člena 206
On-balance sheet netting agreements other than master netting agreements referred to in Article 206 shall qualify as an eligible form of credit risk mitigation where all the following conditions are met:
Pogodbe o bilančnem pobotu, razen okvirnih pogodb o pobotu iz člena 206, se štejejo za primerno obliko zmanjševanja kreditnega tveganja, če so izpolnjeni vsi naslednji pogoji:
those agreements are legally effective and enforceable in all relevant jurisdictions, including in the event of the insolvency or bankruptcy of a counterparty;
navedene pogodbe so pravno učinkovite in izvršljive v vseh zadevnih jurisdikcijah, vključno v primerih insolventnosti ali stečaja nasprotne pogodbene stranke;
institutions are able to determine at any time the assets and liabilities that are subject to those agreements;
institucije lahko v vsakem trenutku določijo tista sredstva in obveznosti, ki so predmet navedenihpogodb;
institutions monitor and control the risks associated with the termination of the credit protection on an ongoing basis;
institucije stalno spremljajo in kontrolirajo tveganja, povezana s prekinitvijo kreditnega zavarovanja;
institutions monitor and control the relevant exposures on a net basis and do so on an ongoing basis.
institucije stalno spremljajo in kontrolirajo zadevne izpostavljenosti na neto osnovi.
Article 206
člen 206
Requirements for master netting agreements covering repurchase transactions or securities or commodities lending or borrowing transactions or other capital market driven transactions
Zahteve za okvirne pogodbe o pobotu, ki zajemajo repo posle ali posle posoje/izposoje vrednostnih papirjev ali blaga ali druge posle z instrumenti kapitalskega trga
Master netting agreements covering repurchase transactions, securities or commodities lending or borrowing transactions or other capital market driven transactions shall qualify as an eligible form of credit risk mitigation where the collateral provided under those agreements meets all the requirements laid down in Article 207(2) to (4) and where all the following conditions are met:
Okvirnepogodbe o pobotu, ki zajemajo repo posle, posle posoje/izposoje vrednostnih papirjev ali blaga ali druge posle z instrumenti kapitalskega trga, se štejejo za primerno obliko zmanjševanja kreditnega tveganja, če je zavarovanje s premoženjem, ki je dano na podlagi navedenih pogodb, v skladu z vsemi zahtevami iz člena 207(2) do (4) in če so izpolnjeni vsi naslednji pogoji:
they are legally effective and enforceable in all relevant jurisdictions, including in the event of the bankruptcy or insolvency of the counterparty;
so pravno učinkovite in izvršljive v vseh zadevnih jurisdikcijah, vključno v primerih stečaja ali insolventnosti nasprotne pogodbene stranke;
they give the non-defaulting party the right to terminate and close-out in a timely manner all transactions under the agreement upon the event of default, including in the event of the bankruptcy or insolvency of the counterparty;
dajejo stranki, ki ni v zaostanku s plačilom, pravico, da v primeru neplačila, vključno z nastopom stečaja ali insolventnosti nasprotne stranke, odstopi od pogodbe in izvede pravočasno poravnavo vseh poslov iz pogodbe;
they provide for the netting of gains and losses on transactions closed out under an agreement so that a single net amount is owed by one party to the other.
predvidevajo pobot dobičkov in izgub iz poslov, poravnanih na podlagi pogodbe, tako da ena stranka dolguje drugi en sam neto znesek.
Requirements for financial collateral
Zahteve za zavarovanje s finančnim premoženjem
Under all approaches and methods, financial collateral and gold shall qualify as eligible collateral where all the requirements laid down in paragraphs 2 to 4 are met.
Zavarovanje s finančnim premoženjem in zlato se štejeta za primerno zavarovanje s premoženjem na podlagi vseh pristopov in metod, če so izpolnjene vse zahteve iz odstavkov 2 do 4.
The credit quality of the obligor and the value of the collateral shall not have a material positive correlation.
Kreditna kakovost dolžnika in vrednost zavarovanja s premoženjem nista v bistveni pozitivni korelaciji.
Where the value of the collateral is reduced significantly, this shall not alone imply a significant deterioration of the credit quality of the obligor.
Kadar se vrednost zavarovanja s premoženjem občutno zmanjša, to samo po sebi še ne pomeni znatnega poslabšanja kreditne kakovosti dolžnika.
Where the credit quality of the obligor becomes critical, this shall not alone imply a significant reduction in the value of the collateral.
Kadar se kreditna kakovost dolžnika močno poslabša, to samo po sebi še ne pomeni občutnega zmanjšanja vrednosti zavarovanja s premoženjem.
Securities issued by the obligor, or any related group entity, shall not qualify as eligible collateral.
Vrednostni papirji, ki jih izdaja dolžnik ali kateri koli povezan subjekt skupine, ne štejejo za primerno zavarovanje s premoženjem.
This notwithstanding, the obligor's own issues of covered bonds falling within the terms of Article 129 qualify as eligible collateral when they are posted as collateral for a repurchase transaction, provided that they comply with the condition set out in the first subparagraph.
Ne glede na to se krite obveznice, ki jih je izdal dolžnik in ki ustrezajo pogojem iz člena 129, štejejo za primerno zavarovanje s premoženjem, kadar so dane kot zavarovanje s premoženjem za repo posel, če izpolnjujejo pogoj iz prvega pododstavka.
Institutions shall fulfil any contractual and statutory requirements in respect of, and take all steps necessary to ensure, the enforceability of the collateral arrangements under the law applicable to their interest in the collateral.
Institucije izpolnjujejo vse pogodbene in zakonske zahteve v zvezi z izvršljivostjo zavarovanja s premoženjem v pravnem redu, ki velja za njihova razmerja zavarovanja s premoženjem, in sprejmejo vse potrebne ukrepe, da to izvršljivost zagotovijo.
Institutions shall have conducted sufficient legal review confirming the enforceability of the collateral arrangements in all relevant jurisdictions.
Institucije so izvedle dovolj natančne pravne preglede, ki potrjujejo izvršljivost dogovorov o zavarovanjih s premoženjem v vseh relevantnih jurisdikcijah.
They shall re-conduct such review as necessary to ensure continuing enforceability.
Da zagotovijo neprekinjeno izvršljivost, te preglede po potrebi ponavljajo.
Institutions shall fulfil all the following operational requirements:
Institucije izpolnjujejo vse naslednje operativne zahteve:
they shall properly document the collateral arrangements and have in place clear and robust procedures for the timely liquidation of collateral;
pravilno dokumentirajo dogovore o zavarovanju s premoženjem ter imajo jasne in zanesljive postopke za pravočasno unovčenje zavarovanja s premoženjem;
they shall use robust procedures and processes to control risks arising from the use of collateral, including risks of failed or reduced credit protection, valuation risks, risks associated with the termination of the credit protection, concentration risk arising from the use of collateral and the interaction with the institution's overall risk profile;
uporabljajo zanesljive postopke in procese za nadzor tveganj iz naslova uporabe zavarovanj s premoženjem, vključno s tveganji neučinkovitosti ali zmanjšane učinkovitosti kreditnega zavarovanja, tveganji v zvezi z vrednotenjem, tveganji v zvezi s prenehanjem kreditnega zavarovanja, tveganjem koncentracije, ki nastane zaradi uporabe zavarovanja s premoženjem in medsebojnega vpliva med zavarovanjem s premoženjem in celotnim profilom tveganja institucije;
they shall have in place documented policies and practices concerning the types and amounts of collateral accepted;
imajo dokumentirane politike in prakse v zvezi z vrstami in obsegom zavarovanj s premoženjem, ki jih sprejemajo;
they shall calculate the market value of the collateral, and revalue it accordingly, at least once every six months and whenever they have reason to believe that a significant decrease in the market value of the collateral has occurred;
izračunavajo tržno vrednost zavarovanja s premoženjem in ga ustrezno prevrednotijo vsaj enkrat na šest mesecev in kadar koli menijo, da je nastopilo znatno zmanjšanje tržne vrednosti zavarovanja s premoženjem;
where the collateral is held by a third party, they shall take reasonable steps to ensure that the third party segregates the collateral from its own assets;
če je zavarovanje s premoženjem pri tretji osebi, morajo sprejeti razumne ukrepe za zagotovitev, da tretja oseba ločuje zavarovanje s premoženjem od lastnih sredstev;
they shall ensure that they devote sufficient resources to the orderly operation of margin agreements with OTC derivatives and securities-financing counterparties, as measured by the timeliness and accuracy of their outgoing margin calls and response time to incoming margin calls;
zagotovijo, da so zadostni viri posvečeni pravilnemu delovanju dogovorov o kritju z nasprotnimi pogodbenimi strankami pri izvedenih finančnih instrumentih OTC inposlih financiranja vrednostnih papirjev, kot se meri s pravočasnostjo in natančnostjo njihovih pozivov k doplačilu kritja ter njihov odzivni čas na poziv k doplačilu kritja;
they shall have in place collateral management policies to control, monitor and report the following:
imajo vzpostavljene politike upravljanja z zavarovanjem s premoženjem za nadzor, spremljanje in poročanje o:
the risks to which margin agreements expose them;
tveganjih, ki so jim izpostavljene zaradi dogovorov o kritju;
the concentration risk to particular types of collateral assets;
tveganjih koncentracije po posameznih vrstah premoženja, ki je predloženo kot zavarovanje;
the reuse of collateral including the potential liquidity shortfalls resulting from the reuse of collateral received from counterparties;
ponovni uporabi zavarovanja s premoženjem, vključno z morebitnimi likvidnostnimi primanjkljaji, nastalimi zaradi ponovne uporabe zavarovanja s premoženjem, dobljenega od nasprotnih pogodbenih strank;
the surrender of rights on collateral posted to counterparties.
predaji pravic iz zavarovanja s premoženjem, danega nasprotni pogodbeni stranki.
In addition to meeting all the requirements set out in paragraphs 2 to 4, for financial collateral to qualify as eligible collateral under the Financial Collateral Simple Method the residual maturity of the protection shall be at least as long as the residual maturity of the exposure.
Da se zavarovanje s finančnim premoženjem šteje za primerno v okviru enostavne metode za izračun učinkov zavarovanja s finančnim premoženjem, mora biti poleg izpolnjevanja vseh zahtev iz odstavkov 2 do 4 preostala zapadlost zavarovanja vsaj tako dolga kakor preostala zapadlost izpostavljenosti.
Requirements for immovable property collateral
Zahteve za zavarovanje z nepremičninami
Immovable property shall qualify as eligible collateral only where all the requirements laid down in paragraphs 2 to 5 are met.
Nepremičnine štejejo za primerno zavarovanje s finančnim premoženjem samo, če so izpolnjene vse zahteve iz odstavkov 2 do 5.
The following requirements on legal certainly shall be met:
Izpolnjene morajo biti naslednje zahteve glede pravne gotovosti:
a mortgage or charge is enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement and shall be properly filed on a timely basis;
hipoteka ali druga pravica do poplačila iz vrednosti nepremičnine je izvršljiva v vseh jurisdikcijah, ki jo zadevajo ob sklenitvikreditne pogodbe, in je pravilno in pravočasno vknjižena;
all legal requirements for establishing the pledge have been fulfilled;
izpolnjene so vse pravne zahteve za ustanovitev zaveze;
the protection agreement and the legal process underpinning it enable the institution to realise the value of the protection within a reasonable timeframe.
dogovor o zavarovanju in zadevni pravni postopki omogočajo instituciji unovčitev vrednosti zavarovanja v razumnem času.
The following requirements on monitoring of property values and on property valuation shall be met:
Izpolnjene morajo biti naslednje zahteve glede spremljanja vrednosti nepremičnin in ocenjevanja vrednosti nepremičnin:
institutions monitor the value of the property on a frequent basis and at a minimum once every year for commercial immovable property and once every three years for residential real estate.
institucije redno spremljajo vrednost nepremičnine, najmanj pa enkrat letno v primeru poslovnih nepremičnin in enkrat na tri leta v primeru stanovanjskih nepremičnin.
Institutions carry out more frequent monitoring where the market is subject to significant changes in conditions;
Institucije v primeru pomembnih sprememb pogojev na trgu vrednost nepremičnine spremljajo pogosteje;
the property valuation is reviewed when information available to institutions indicates that the value of the property may have declined materially relative to general market prices and that review is carried out by a valuer who possesses the necessary qualifications, ability and experience to execute a valuation and who is independent from the credit decision process.
vrednost nepremičnine se pregleda vsakokrat, ko informacije, ki jih imajo institucije na voljo, kažejo, da bi se lahko vrednost nepremičnine bistveno zmanjšala glede na splošne tržne cene; navedeni pregled izvede cenilec, ki ima potrebne kvalifikacije, znanje in izkušnje za izvajanje cenitve, in je neodvisen od postopka odločanja o kreditih.
For loans exceeding EUR 3 million or 5 % of the own funds of an institution, the property valuation shall be reviewed by such valuer at least every three years.
Za krediti, ki presegajo 3 milijone EUR ali 5 % kapitala institucije, pregleda neodvisen cenilec vrednost takih nepremičnin vsaj vsaka tri leta.
Institutions may use statistical methods to monitor the value of the property and to identify property that needs revaluation.
Institucije lahko za spremljanje vrednosti nepremičnine in za ugotavljanje, za katere nepremičnine je treba ponovno oceniti vrednost, uporabljajo statistične metode.
Institutions shall clearly document the types of residential and commercial immovable property they accept and their lending policies in this regard.
Institucije jasno dokumentirajo vrste stanovanjskih in poslovnih nepremičnin, ki jih sprejemajo, ter svoje kreditne politike glede tega.
Institutions shall have in place procedures to monitor that the property taken as credit protection is adequately insured against the risk of damage.
Institucije imajo vzpostavljene postopke, s katerimi spremljajo, da je nepremičnina, ki je prejeta v zavarovanje, primerno škodno zavarovana.
Requirements for receivables
Zahteve za denarne terjatve
Receivables shall qualify as eligible collateral where all the requirements laid down in paragraphs 2 and 3 are met.
Denarne terjatve štejejo za primerno zavarovanje s premoženjem, če so izpolnjene vse zahteve iz odstavkov 2 in 3.
The following requirements on legal certainty shall be met:
Izpolnjene morajo biti naslednje zahteve glede pravne gotovosti:
the legal mechanism by which the collateral is provided to a lending institution shall be robust and effective and ensure that that institution has clear rights over the collateral including the right to the proceeds from the sale of the collateral;
pravni mehanizem, s katerim se posojilni instituciji zagotavlja zavarovanje s premoženjem, je zanesljiv in učinkovit ter navedeni instituciji zagotavlja nesporno pravico do zavarovanja s premoženjem, vključno s pravico do prihodkov iz prodaje premoženja;
institutions shall take all steps necessary to fulfil local requirements in respect of the enforceability of security interest.
institucije sprejmejo vse potrebne ukrepe za izpolnjevanje lokalnih zahtev glede izvršljivosti pravic iz zavarovanja.
Lending institutions shall have a first priority claim over the collateral although such claims may still be subject to the claims of preferential creditors provided for in legislative provisions;
Posojilne institucije imajo na zavarovanju s premoženjem pravico z najboljšim vrstnim redom, vendar je ta vrstni red še vedno lahko podrejen terjatvam prednostnih upnikov, določenih z zakonodajnimi predpisi;
institutions shall have conducted sufficient legal review confirming the enforceability of the collateral arrangements in all relevant jurisdictions;
institucije so izvedle dovolj natančne pravne preglede, ki potrjujejo izvršljivost dogovorov o zavarovanjih s premoženjem v vseh relevantnih jurisdikcijah;
institutions shall properly document their collateral arrangements and shall have in place clear and robust procedures for the timely collection of collateral;
institucije pravilno dokumentirajo svoje dogovore o zavarovanju s premoženjem ter imajo jasne in zanesljive postopke za pravočasno unovčenje zavarovanja s premoženjem;
institutions shall have in place procedures that ensure that any legal conditions required for declaring the default of a borrower and timely collection of collateral are observed;
institucije imajo postopke, ki zagotavljajo spoštovanje vseh pravnih pogojev v zvezi z ugotavljanjem neplačila kreditojemalca in pravočasnim unovčenjem zavarovanja s premoženjem;
in the event of a borrower's financial distress or default, institutions shall have legal authority to sell or assign the receivables to other parties without consent of the receivables obligors.
v primeru finančnih težav ali neplačila kreditojemalca so institucije zakonsko pooblaščene prodati ali odstopiti denarne terjatve tretjim osebam brez soglasja dolžnikov iz denarnih terjatev.
The following requirements on risk management shall be met:
Izpolnjene morajo biti naslednje zahteve glede upravljanja tveganj:
an institution shall have in place a sound process for determining the credit risk associated with the receivables.
institucija ima zanesljiv proces za ugotavljanje kreditnega tveganja, povezanega z denarnimi terjatvami.
Such a process shall include analyses of a borrower's business and industry and the types of customers with whom that borrower does business.
Tak proces vsebuje analize kreditojemalčevega poslovanja in gospodarske dejavnosti ter vrst strank, s katerimi navedeni kreditojemalec posluje.
Where the institution relies on its borrowers to ascertain the credit risk of the customers, the institution shall review the borrowers' credit practices to ascertain their soundness and credibility;
Kadar se institucija opira na ocene svojih kreditojemalcev glede kreditnega tveganja strank, institucija pregleda kreditno prakso kreditojemalcev, da preveri njihovo zanesljivost in verodostojnost;
the difference between the amount of the exposure and the value of the receivables shall reflect all appropriate factors, including the cost of collection, concentration within the receivables pool pledged by an individual borrower, and potential concentration risk within the institution's total exposures beyond that controlled by the institution's general methodology.
razlika med zneskom izpostavljenosti in vrednostjo denarnih terjatev odraža vse ustrezne dejavnike, vključno s stroški unovčenja, koncentracijo znotraj skupine denarnih terjatev, ki jih je v zavarovanje dal posamezen kreditojemalec, in potencialno tveganje koncentracije znotraj celotne izpostavljenosti institucije, ki ni zajeto s splošno metodologijo institucije.
Institutions shall maintain a continuous monitoring process appropriate to the receivables.
Institucije ohranjajo neprekinjen proces spremljanja, ki ustreza denarnim terjatvam.
They shall also review, on a regular basis, compliance with loan covenants, environmental restrictions, and other legal requirements;
Poleg tega redno pregledujejo skladnost s posojilnimi zavezami, okoljskimi omejitvami in drugimi predpisi;
receivables pledged by a borrower shall be diversified and not be unduly correlated with that borrower.
denarne terjatve, ki jih da v zavarovanje kreditojemalec, so razpršene in niso v prekomerni korelaciji z navedenim kreditojemalcem.
Where there is material positive correlation, institutions shall take into account the attendant risks in the setting of margins for the collateral pool as a whole;
Če obstaja bistvena pozitivna korelacija, institucije upoštevajo spremljajoča tveganja pri določanju presežka za skupino zavarovanj s premoženjem v celoti;
institutions shall not use receivables from affiliates of a borrower, including subsidiaries and employees, as eligible credit protection;
institucije kot primerno kreditno zavarovanje ne uporabljajo denarnih terjatev subjektov, povezanih s kreditoojemalcem, vključno z njegovimi podrejenimi družbami in zaposlenimi;
institution shall have in place a documented process for collecting receivable payments in distressed situations.
institucija ima dokumentiran proces za izterjavo plačil po denarnih terjatvah v primerih plačilnih težav.
Institutions shall have in place the requisite facilities for collection even when they normally rely on their borrowers for collections.
Institucije imajo potrebne mehanizme za unovčenje, tudi če se običajno za unovčenje zanašajo na svoje kreditojemalce.
Article 210
člen 210
Requirements for other physical collateral
Zahteve za zavarovanje z drugim stvarnim premoženjem
Physical collateral other than immovable property collateral shall qualify as eligible collateral under the IRB Approach where all the following conditions are met:
Stvarno premoženje razen nepremičnin se na podlagi pristopa IRB šteje za primerno zavarovanje s premoženjem, če so izpolnjeni vsi naslednji pogoji:
the collateral arrangement under which the physical collateral is provided to an institution shall be legally effective and enforceable in all relevant jurisdictions and shall enable that institution to realise the value of the collateral within a reasonable timeframe;
dogovor o zavarovanju s premoženjem, po katerem je instituciji dano zavarovanje z drugim stvarnim premoženjem, je pravno učinkovit in izvršljiv v vseh zadevnih jurisdikcijah in navedeni instituciji omogoča unovčenje vrednosti zavarovanja s premoženjem v razumnem času;