natgillin/translations-raw huggingface dataset:
Institutions shall for immovable property collateralising covered bonds meet the requirements set out in Article 208 and the valuation rules set out in Article 229(1).
Institucije za nepremičnine, s katerimi so zavarovane krite obveznice, izpolnjujejo zahteve iz člena 208 in pravila za vrednotenje iz člena 229(1).
Covered bonds for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 6a which corresponds to the credit assessment of the ECAI in accordance with Article 136.
Kritim obveznicam, za katere je na voljo bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu z razpredelnico 6a, ki ustreza bonitetni oceni ECAI v skladu s členom 136.
Table 6a
Razpredelnica 6a
Covered bonds for which a credit assessment by a nominated ECAI is not available shall be assigned a risk weight on the basis of the risk weight assigned to senior unsecured exposures to the institution which issues them.
Kritim obveznicam, za katere bonitetna ocena imenovane ECAI ni na voljo, se dodeli utež tveganja na podlagi uteži tveganja, dodeljene nadrejenim nezavarovanim izpostavljenostim do kreditne institucije, ki jih je izdala.
if the exposures to the institution are assigned a risk weight of 100 %, the covered bond shall be assigned a risk weight of 50 %;
če se izpostavljenostim do institucije dodeli utež tveganja 100 %, se kriti obveznici dodeli utež tveganja 50 %;
They are eligible for the preferential treatment under paragraphs 4 and 5 until their maturity.
Krite obveznice so primerne za prednostno obravnavo iz odstavkov 4 in 5 do njihove zapadlosti.
Exposures in the form of covered bonds are eligible for preferential treatment, provided that the institution investing in the covered bonds can demonstrate to the competent authorities that:
Izpostavljenosti iz naslova naložb v krite obveznice so primerne za ugodnejšo obravnavo, če lahko institucija, ki vlaga v krite obveznice, pristojnim organom dokaže, da:
it receives portfolio information at least on:
prejema informacije o portfelju, in sicer vsaj o:
the value of the cover pool and outstanding covered bonds;
vrednosti kritnega premoženjae in preostali vrednosti kritih obveznic,
the geographical distribution and type of cover assets, loan size, interest rate and currency risks;
geografski razporeditvi in vrsti kritnega premoženja, velikosti kredita, obrestni meri in valutnih tveganjih,
the maturity structure of cover assets and covered bonds; and
strukturi zapadlosti kritnega premoženja in kritih obveznic ter
the percentage of loans more than ninety days past due;
odstotku kreditov, katerih odplačilo zamuja več kot devetdeset dni;
the issuer makes the information referred to in point (a) available to the institution at least semi annually.
izdajatelj zagotavlja institucijam informacije iz točke (a) najmanj vsakega pol leta.
Items representing securitisation positions
Postavke iz naslova pozicij v listinjenju
Risk weighted exposure amounts for securitisation positions shall be determined in accordance with Chapter 5.
Zneski tveganju prilagojenih izpostavljenosti za pozicije v listinjenju se izračunajo v skladu s poglavjem 5.
Exposures to institutions and corporates with a short-term credit assessment
Izpostavljenosti do institucij in podjetij s kratkoročno bonitetno oceno
Exposures to institutions and exposures to corporates for which a short-term credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 7 which corresponds to the credit assessment of the ECAI in accordance with Article 136.
Izpostavljenostim do institucij in izpostavljenostim do podjetij, za katere je na razpolago kratkoročna bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu z razpredelnico 7, ki ustreza bonitetni oceni ECAI v skladu s členom 136.
Credit Quality Step
Stopnja kreditne kakovosti
Exposures in the form of units or shares in CIUs
Izpostavljenosti iz naslova enot ali deležev v KNP
Exposures in the form of units or shares in CIUs shall be assigned a risk weight of 100 %, unless the institution applies the credit risk assessment method under paragraph 2, or the look-through approach in paragraph 4 or the average risk weight approach under paragraph 5 when the conditions in paragraph 3 are met.
Izpostavljenostim iz naslova enot ali deležev v KNP se dodeli utež tveganja 100 %, razen če institucija uporabi metodo ocenjevanja kreditnega tveganja iz odstavka 2 ali pristop vpogleda iz odstavka 4 ali pristop povprečnih uteži tveganja iz odstavka 5, kadar so izpolnjeni pogoji iz odstavka 3.
Exposures in the form of units or shares in CIUs for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 8 which corresponds to the credit assessment of the ECAI in accordance with Article 136.
Izpostavljenostim iz naslova enot ali deležev v KNP, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu z razpredelnico 8, ki ustreza bonitetni oceni ECAI v skladu s členom 136.
Institutions may determine the risk weight for a CIU in accordance with paragraphs 4 and 5, if the following eligibility criteria are met:
Institucije lahko določijo utež tveganja za KNP v skladu z odstavkoma 4 in 5, če so izpolnjena naslednja merila primernosti:
the CIU is managed by a company that is subject to supervision in a Member State or, in the case of third country CIU, where the following conditions are met:
KNP upravlja družba, ki je predmet nadzora v državi članici, v primeru KNP iz tretjih držav, pa kadar so izpolnjeni naslednji pogoji:
the CIU is managed by a company which is subject to supervision that is considered equivalent to that laid down in Union law;
KNP upravlja družba, ki je predmet nadzora, enakovrednega nadzoru, določenemu v zakonodaji Unije;
cooperation between competent authorities is sufficiently ensured;
sodelovanje med pristojnimi organi je primerno zagotovljeno;
the CIU's prospectus or equivalent document includes the following:
prospekt KNP ali enakovreden dokument vsebuje:
the categories of assets in which the CIU is authorised to invest;
kategorije sredstev, v katere lahko KNP vlagaKNP;
if investment limits apply, the relative limits and the methodologies to calculate them;
če veljajo omejitve naložb, relativne omejitve in metodologije za njihov izračun;
the business of the CIU is reported on at least an annual basis to enable an assessment to be made of the assets and liabilities, income and operations over the reporting period.
KNP poroča o svojem poslovanju vsaj enkrat letno, kar omogoča oceno sredstev in obveznosti, rezultata poslovanja in aktivnosti v obdobju, za katerega se poroča.
For the purposes of point (a), 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 (a) lahko Komisija z izvedbenimi akti in ob upoštevanju postopka pregleda iz člena 464(2) sprejme odločitev, ali je nadzorna 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 exposures in the form of units or shares of CIUs from third countries where the relevant competent authorities had approved the third country as eligible for that 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 izpostavljenosti iz naslova enot ali deležev KNP iz tretjih držav, ki so jih zadevni pristojni organi odobrili kot primerne za takšno obravnavo pred 1. januarjem 2014.
Where the institution is aware of the underlying exposures of a CIU, it may look through to those underlying exposures in order to calculate an average risk weight for its exposures in the form of units or shares in the CIUs in accordance with the methods set out in this Chapter.
Če institucija pozna osnovne izpostavljenosti KNP, lahko za namen izračuna povprečne uteži tveganja za svoje izpostavljenosti iz naslova enot ali deležev v KNP, vpogleda v osnovne izpostavljenosti KNPv skladu z metodami iz tega poglavja.
Where an underlying exposure of the CIU is itself an exposure in the form of shares in another CIU which fulfils the criteria of paragraph 3, the institution may look through to the underlying exposures of that other CIU.
Če je osnovna izpostavljenost KNP hkrati izpostavljenost iz naslova deležev v drugem KNP, ki izpolnjuje merila iz odstavka 3, lahko institucija vpogleda v osnovne izpostavljenosti tega drugega KNP.
Where the institution is not aware of the underlying exposures of a CIU, it may calculate an average risk weight for its exposures in the form of a unit or share in the CIU in accordance with the methods set out in this Chapter subject to the assumption that the CIU first invests, to the maximum extent allowed under its mandate, in the exposure classes attracting the highest capital requirement, and then continues making investments in descending order until the maximum total investment limit is reached.
Če institucija ne pozna osnovnih izpostavljenosti KNP, lahko izračuna povprečno utež tveganja za svoje izpostavljenosti iz naslova enote ali deleža v KNP v skladu z metodami iz tega poglavja, pri čemer se predpostavlja, da KNP najprej v največjem dovoljenem obsegu v okviru svoje naložbene politike vlaga v kategorije izpostavljenosti, za katere veljajo najvišje kapitalske zahteve, nato pa vlaga v padajočem vrstnem redu, dokler ne doseže skupnega naložbenega limita.
Institutions may rely on the following third parties to calculate and report, in accordance with the methods set out in paragraphs 4 and 5, a risk weight for the CIU:
Institucije lahko izračun uteži tveganja za KNP in poročanje o njej v skladu z metodami iz odstavkov 4 in 5 prepustijo naslednjim tretjim osebam:
the depository institution or the depository financial institution of the CIU provided that the CIU exclusively invests in securities and deposits all securities at that depository institution or the financial institution;
depotnim družbam ali depotnim finančnim institucijam KNP, če KNP vlaga izključno v vrednostne papirje in deponira vse vrednostne papirje v tej depotni družbi ali finančni instituciji;
for CIUs not covered by point (a), the CIU management company, provided that the CIU management company meets the criteria set out in paragraph 3(a).
za KNP, ki niso zajeti v točki (a), družbi za upravljanje KNP, če ta družba izpolnjuje merila iz odstavka 3(a).
The correctness of the calculation referred to in the first subparagraph shall be confirmed by an external auditor.
Pravilnost izračuna iz prvega pododstavka potrdi zunanji revizor.
Equity exposures
Izpostavljenosti iz naslova lastniških instrumentov
The following exposures shall be considered equity exposures:
Naslednje izpostavljenosti se obravnavajo kot izpostavljenosti iz naslova lastniških instrumentov:
non-debt exposures conveying a subordinated, residual claim on the assets or income of the issuer;
nedolžniške izpostavljenosti, ki vsebujejo podrejeno terjatev do dela preostalega premoženja izdajatelja;
debt exposures and other securities, partnerships, derivatives, or other vehicles, the economic substance of which is similar to the exposures specified in point (a).
dolžniške izpostavljenosti in drugi vrednostni papirji, partnerstva, izvedeni finančni instrumenti ali drugi instrumenti, katerih ekonomska vsebina je podobna izpostavljenostim iz točke (a).
Equity exposures shall be assigned a risk weight of 100 %, unless they are required to be deducted in accordance with Part Two, assigned a 250 % risk weight in accordance with Article 48(4), assigned a 1250 % risk weight in accordance with Article 89(3) or treated as high risk items in accordance with Article 128.
Izpostavljenostim iz naslova lastniških instrumentov se dodeli utež tveganja 100 %, razen če jih je treba v skladu z delom 2 odbiti, če se jim v skladu s členom 48(4) se jim dodeli utež tveganja 250 %, če se jim v skladu s členom 89(3) se jim dodeli utež tveganja 1250 % ali pa se jih obravnava kot postavke z visokim tveganjem v skladu s členom 128.
Investments in equity or regulatory capital instruments issued by institutions shall be classified as equity claims, unless deducted from own funds or attracting a 250 % risk weight under Article 48(4) or treated as high risk items in accordance with Article 128.
Naložbe v instrumente lastniškega ali regulativnega kapitala, ki jih izdajo institucije, se štejejo kot terjatve iz naslova lastniških instrumentov, razen če se odbijejo od kapitala ali se jim dodeli utež tveganja 250 % iz člena 48(4) ali se obravnavajo kot postavke z visokim tveganjem v skladu s členom 128.
Tangible assets within the meaning of Article 4(10) of Directive 86/635/EEC shall be assigned a risk weight of 100 %.
Opredmetenim osnovnim sredstvom v smislu člena 4(10) Direktive 86/635/EGS se dodeli utež tveganja 100 %.
Prepayments and accrued income for which an institution is unable to determine the counterparty in accordance with Directive 86/635/EEC, shall be assigned a risk weight of 100 %.
Aktivnim časovnim razmejitvam, za katere institucija ne more določiti nasprotne stranke v skladu z Direktivo 86/635/EGS, se dodeli utež tveganja 100 %.
Cash in hand and equivalent cash items shall be assigned a 0 % risk weight.
Denarju v blagajni in enakovrednim denarnim postavkam se dodeli utež tveganja 0 %.
Gold bullion held in own vaults or on an allocated basis to the extent backed by bullion liabilities shall be assigned a 0 % risk weight.
Zlatu v lastnem trezorju ali na posebni lokaciji, če je krito z obveznostmi v zlatu, se dodeli utež tveganja 0 %.
In the case of asset sale and repurchase agreements and outright forward purchases, the risk weight shall be that assigned to the assets in question and not to the counterparties to the transactions.
Pri pogodbah o prodaji in povratnem nakupu sredstev ter pri dogovorih oterminskem nakupu sredstev se uporabi utež tveganja, ki je dodeljena instrumentom, na katere se zadevne pogodbe nanašajo, in ne nasprotnim strankam v poslu.
Where an institution provides credit protection for a number of exposures under terms that the nth default among the exposures shall trigger payment and that this credit event shall terminate the contract, and where the product has an external credit assessment from an ECAI, the risk weights prescribed in Chapter 5 shall be assigned.
Če institucija nastopa kot dajalec kreditnega zavarovanja za več izpostavljenosti pod pogojem, da neplačilo n-te izmed zavarovanih izpostavljenosti povzroči plačilo in da se s tem kreditnim dogodkom prekine pogodba, ter če ima produkt zunanjo bonitetno oceno ECAI, se dodelijo uteži tveganja iz poglavja 5.
If the product is not rated by an ECAI, the risk weights of the exposures included in the basket will be aggregated, excluding n-1 exposures, up to a maximum of 1250 % and multiplied by the nominal amount of the protection provided by the credit derivative to obtain the risk weighted asset amount.
Če produkt nima bonitetne ocene ECAI, se uteži tveganja za izpostavljenosti, ki jih vsebuje košara izpostavljenosti, razen izpostavljenosti n–1, seštejejo do največ 1250 % in pomnožijo z nominalnim zneskom zavarovanja, ki ga zagotavlja kreditni izvedeni finančni instrument, da se pridobi znesek tveganju prilagojenih izpostavljenosti.
The n-1 exposures to be excluded from the aggregation shall be determined on the basis that they shall include those exposures each of which produces a lower risk-weighted exposure amount than the risk-weighted exposure amount of any of the exposures included in the aggregation.
Izpostavljenosti n–1, ki se izključijo iz seštevka, se določijo tako, da vključujejo tiste izpostavljenosti, od katerih vsaka povzroča nižji znesek tveganju prilagojenih izpostavljenosti, kot je znesek tveganju prilagojenih izpostavljenosti katere koli izpostavljenosti, ki je vključena v seštevek.
Minimum lease payments are the payments over the lease term that the lessee is or can be required to make and any bargain option the exercise of which is reasonably certain.
Najmanjša vsota plačil po zakupu je enaka plačilom, ki se zahtevajo ali se lahko zahtevajo od zakupnika v času trajanja pogodbe o zakupu, in plačilu iz naslova katere koli nakupne opcije iz zakupa, ki se bo zelo verjetno izvršila.
A party other than the lessee may be required to make a payment related to the residual value of a leased property and that payment obligation fulfils the set of conditions in Article 201 regarding the eligibility of protection providers as well as the requirements for recognising other types of guarantees provided in Articles 213 to 215, that payment obligation may be taken into account as unfunded credit protection under Chapter 4.
Od stranke, ki ni zakupnik, se lahko zahteva plačilo v zvezi s preostalo vrednostjo zakupljenega premoženja, in če ta plačilna obveznost izpolnjuje sklop pogojev iz člena 201 glede primernosti dajalcev jamstva in zahteve za priznavanje drugih vrst jamstev iz členov 213 do 215, se lahko ta plačilna obveznost upošteva kot osebno kreditno zavarovanje v skladu s poglavjem 4.
These exposures shall be assigned to the relevant exposure class in accordance with Article 112.
Te izpostavljenosti se razvrstijo v ustrezne kategorije izpostavljenosti v skladu s členom 112.
When the exposure is a residual value of leased assets, the risk weighted exposure amounts shall be calculated as follows: 1/t * 100 % * residual value, where t is the greater of 1 and the nearest number of whole years of the lease remaining.
Kadar je izpostavljenost preostala vrednost sredstva, danega v zakup, se zneski tveganju prilagojenih izpostavljenosti izračunajo na naslednji način: 1/t * 100 % * preostala vrednost, pri čemer je t večje izmed 1in najbližjega števila celih let preostalega obdobja zakupa.
Recognition and mapping of credit risk assessment
Priznavanje in vzporejanje ocene kreditnega tveganja
Recognition of ECAIs
Priznavanje ecai
Use of credit assessments by ECAIs
Uporaba bonitetnih ocen ECAI
An external credit assessment may be used to determine the risk weight of an exposure under this Chapter only if it has been issued by an ECAI or has been endorsed by an ECAI in accordance with Regulation (EC) No 1060/2009.
Zunanja bonitetna ocena se lahko za določanje uteži tveganja izpostavljenosti v skladu s tem poglavjem uporabi le, če jo je izdala ECAI ali potrdila ECAI v skladu z Uredbo (ES) št. 1060/2009.
EBA shall publish the list of ECAIs in accordance with Article 2(4) and Article 18(3) of Regulation (EC) No 1060/2009 on its website.
EBA na svoji spletni strani objavi seznam ECAI v skladu s členoma 2(4) in 18(3) Uredbe (ES) št. 1060/2009.
Mapping of ECAI's credit assessments
Vzporejanje bonitetnih ocen ECAI
EBA, EIOPA and ESMA shall, through the Joint Committee, develop draft implementing technical standards to specify for all ECAIs, with which of the credit quality steps set out in Section 2 the relevant credit assessments of the ECAI correspond ('mapping').
EBA, EIOPA in ESMA preko Skupnega odbora pripravijo osnutke izvedbenih tehničnih standardov, v katerih za vse ECAI določi, kateri stopnji kreditne kakovosti iz oddelka 2 ustrezajo zadevne bonitetne ocene ECAI ("vzporejanje").
Those determinations shall be objective and consistent.
Te določitve so objektivne in dosledne.
EBA, EIOPA and ESMA shall submit those draft implementing technical standards to the Commission by 1 July 2014 and shall submit revised draft implementing technical standards where necessary.
EBA, EIOPA in ESMA predložijo Komisiji navedene osnutke izvedbenih tehničnih standardov do 1. julija 2014, pri čemer po potrebi predložijo revidirane osnutke izvedbenih tehničnih standardov.
Power is conferred on the Commission to adopt the implementing technical standards referred to in the first subparagraph in accordance with Article 15 of Regulation (EU) No 1093/2010, of Regulation (EU) No 1094/2010 and of Regulation (EU) No 1095/2010 respectively.
Na Komisijo se prenese pooblastilo za sprejetje izvedbenih tehničnih standardov iz prvega pododstavka v skladu s členom 15 Uredbe (EU) št. 1093/2010, Uredbe (EU) št. 1094/2010 oziroma Uredbe (EU) št. 1095/2010.
When determining the mapping of credit assessments, EBA, EIOPA and ESMA shall comply with the following requirements:
EBA, EIOPA in ESMA določajo vzporejanje bonitetnih ocen v skladu z naslednjimi zahtevami:
in order to differentiate between the relative degrees of risk expressed by each credit assessment, EBA, EIOPA and ESMA shall consider quantitative factors such as the long-term default rate associated with all items assigned the same credit assessment.
da bi razlikovali med relativnimi stopnjami tveganja, ki jih izraža posamezna bonitetna ocena, EBA, EIOPA in ESMA obravnavajo kvantitativne dejavnike, kot so dolgoročna stopnja neplačila, povezana z vsemi postavkami, katerim se dodeli ista bonitetna ocena.
For recently established ECAIs and for those that have compiled only a short record of default data, EBA, EIOPA and ESMA shall ask the ECAI what it believes to be the long-term default rate associated with all items assigned the same credit assessment;
Pri novo ustanovljenih ECAI in ECAI, ki imajo le kratko evidenco podatkov o neplačilih, EBA, EIOPA in ESMA vprašajo ECAI, katera je po njihovem mnenju dolgoročna stopnja neplačila, povezana z vsemi postavkami, katerim se dodeli ista bonitetna ocena;
in order to differentiate between the relative degrees of risk expressed by each credit assessment, EBA, EIOPA and ESMA shall consider qualitative factors such as the pool of issuers that the ECAI covers, the range of credit assessments that the ECAI assigns, each credit assessment meaning and the ECAI's definition of default;
da bi razlikovali med ustreznimi relativnimi stopnjami tveganja, ki jih izraža posamezna bonitetna ocena, EBA, EIOPA in ESMA obravnavajo kvalitativne dejavnike, kot so skupina izdajateljev, ki jih obravnava ECAI, razpon bonitetnih ocen, ki jih dodeljuje ECAI, pomen posamezne bonitetne ocene in opredelitev neplačila, ki jo uporablja ECAI;
EBA, EIOPA and ESMA shall compare default rates experienced for each credit assessment of a particular ECAI and compare them with a benchmark built on the basis of default rates experienced by other ECAIs on a population of issuers that present an equivalent level of credit risk;
EBA, EIOPA in ESMA primerjajo stopnje neplačil za vsako bonitetno oceno posamezne ECAI in jih primerjajo s primerjalno vrednostjo, določeno na podlagi stopenj neplačil drugih ECAI v skupini izdajateljev, ki predstavljajo enakovredno stopnjo kreditnega tveganja;
where the default rates experienced for the credit assessment of a particular ECAI are materially and systematically higher then the benchmark, EBA, EIOPA and ESMA shall assign a higher credit quality step in the credit quality assessment scale to the ECAI credit assessment;
če so stopnje neplačil, ugotovljene za bonitetno ocene posamezne ECAI, bistveno in sistematično višje od primerjalne vrednosti, EBA, EIOPA in ESMA bonitetni oceni ECAI dodelijo višjo stopnjo kreditne kakovosti na lestvici ocenjevanja kreditne kakovosti;
where EBA, EIOPA and ESMA have increased the associated risk weight for a specific credit assessment of a particular ECAI, and where default rates experienced for that ECAI's credit assessment are no longer materially and systematically higher than the benchmark, EBA, EIOPA and ESMA may restore the original credit quality step in the credit quality assessment scale for the ECAI credit assessment.
če EBA, EIOPA in ESMA povečajo utež tveganja za posamezno bonitetno oceno določene ECAI in če stopnje neplačil, ugotovljene za bonitetno oceno te ECAI, niso več bistveno in sistematično višje od primerjalne vrednosti, lahko EBA, EIOPA in ESM A bonitetni oceni ECAI vrnejo prvotno stopnjo kreditne kakovosti na lestvici ocenjevanja kreditne kakovosti.