natgillin/translations-raw huggingface dataset:
the procedures for sharing assessments made in accordance with paragraph 3 between the competent authorities and with EBA;
postopke za izmenjavo ocen, izvedenih v skladu z odstavkom 3, med pristojnimi organi in z EBA,
the standards for the assessment made by competent authorities referred to in paragraph 3.
standarde za ocenjevanje, ki ga izvedejo pristojni organi po odstavku 3.
EBA shall develop draft implementing technical standards to specify:
EBA pripravi osnutke izvedbenih tehničnih standardov, v katerih določi:
the template, the definitions and the IT-solutions to be applied in the Union for the reporting referred to in paragraph 2;
predlogo, opredelitve in rešitve s področja informacijske tehnologije, ki jih Unija uporabi za poročanje iz odstavka 2,
the benchmark portfolio or portfolios referred to in paragraph 1.
referenčni portfelj ali portfelje iz odstavka 1.
EBA shall submit those draft implementing technical standards to the Commission by 1 January 2014.
EBA navedene osnutke izvedbenih tehničnih standardov predloži Komisiji do 1. januarja 2014.
The Commission shall, by 1 April 2015 and after consulting EBA, submit a report to the European Parliament and to the Council on the functioning of the benchmarking of internal models including the scope of the model.
Komisija do 1. aprila 2015 in po posvetovanju z EBA Evropskemu parlamentu in Svetu predloži poročilo o delovanju primerjalne analize notranjih modelov, vključno s področjem uporabe modela.
Where appropriate, the report shall be followed by a legislative proposal.
Poročilu sledi zakonodajni predlog, če je to potrebno.
Credit and counterparty risk
Kreditno tveganje in tveganje nasprotne stranke
Competent authorities shall ensure that:
Pristojni organi zagotovijo da:
credit-granting is based on sound and well-defined criteria and that the process for approving, amending, renewing, and re-financing credits is clearly established;
odobritev kreditov temelji na preudarnih in natančno opredeljenih merilih ter proces odobritve, spreminjanja, obnavljanja in ponovnega financiranja kreditov je jasno določen;
institutions have internal methodologies that enable them to assess the credit risk of exposures to individual obligors, securities or securitisation positions and credit risk at the portfolio level.
institucije razpolagajo z notranjimi metodologijami, na podlagi katerih lahko ocenijo kreditno tveganje zaradi izpostavljenosti posameznim dolžnikom, vrednostnim papirjem ali pozicijam v listinjenju in kreditno tveganje na ravni portfelja.
In particular, internal methodologies shall not rely solely or mechanistically on external credit ratings.
Zlasti se ne smejo notranje metodologije izključno ali mehanično zanašati na zunanje bonitetne ocene.
Where own funds requirements are based on a rating by an External Credit Assessment Institution (ECAI) or based on the fact that an exposure is unrated, this shall not exempt institutions from additionally considering other relevant information for assessing their allocation of internal capital;
Kadar kapitalske zahteve temeljijo na oceni zunanje bonitetne agencije (External Credit Assessment Institution – ECAI) ali na dejstvu, da je izpostavljenost neocenjena, to institucij ne izvzema od zahteve, da preučijo tudi druge ustrezne informacije za oceno razporeditve notranjega kapitala;
the ongoing administration and monitoring of the various credit risk-bearing portfolios and exposures of institutions, including for identifying and managing problem credits and for making adequate value adjustments and provisions, is operated through effective systems;
se stalno upravljanje in spremljanje različnih portfeljev, občutljivih na kreditno tveganje, in izpostavljenosti institucij, vključno z ugotavljanjem in upravljanjem problematičnih kreditov ter ustreznim oblikovanjem popravkov vrednosti in rezervacij, izvaja z učinkovitimi sistemi;
diversification of credit portfolios is adequate given an institution's target markets and overall credit strategy.
je razpršenost kreditnih portfeljev ustrezna glede na ciljne trge in splošno strategijo institucije.
Residual risk
Preostalo tveganje
Competent authorities shall ensure that the risk that recognised credit risk mitigation techniques used by institutions prove less effective than expected is addressed and controlled including by means of written policies and procedures.
Pristojni organi zagotovijo, da se tveganje, pri katerem se priznane tehnike za zmanjševanje kreditnega tveganja, ki jih uporabljajo institucije, izkažejo za manj učinkovite, kot je bilo pričakovano, obravnava in nadzoruje tudi v skladu s pisnimi politikami in postopki.
Concentration risk
Tveganje koncentracije
Competent authorities shall ensure that the concentration risk arising from exposures to each counterparty, including central counterparties, groups of connected counterparties, and counterparties in the same economic sector, geographic region or from the same activity or commodity, the application of credit risk mitigation techniques, and including in particular risks associated with large indirect credit exposures such as a single collateral issuer, is addressed and controlled including by means of written policies and procedures.
Pristojni organi zagotovijo, da se tveganje koncentracije zaradi izpostavljenosti do vseh posameznih nasprotnih strank, vključno s centralnimi nasprotnimi strankami, skupinami povezanih nasprotnih strank in nasprotnimi strankami v istem gospodarskem sektorju, geografski regiji ali v isti dejavnosti ali na področju istega blaga, ali zaradi uporabe tehnik za zmanjševanje kreditnega tveganja, vključno zlasti s tveganji, povezanimi z veliko posredno kreditno izpostavljenostjo, na primer enemu samemu izdajatelju zavarovanja s premoženjem, obravnavajo in nadzorujejo tudi v skladu s pisnimi politikami in postopki.
Securitisation risk
Tveganje listinjenja
Competent authorities shall ensure that the risks arising from securitisation transactions in relation to which the credit institutions are investor, originator or sponsor, including reputational risks, such as arise in relation to complex structures or products, are evaluated and addressed through appropriate policies and procedures, to ensure that the economic substance of the transaction is fully reflected in the risk assessment and management decisions.
Pristojni organi zagotovijo, da se tveganja ki izhajajo iz poslov listinjenja, v okviru katerih so kreditne institucije v vlogi investitorja, originatorja ali sponzorja, vključno s tveganji ugleda, kakršna nastanejo v povezavi z zapletenimi strukturami ali produkti, ovrednotijo in obravnavajo z ustreznimi politikami in postopki, s katerimi se zagotovi, da je ekonomska vsebina posla v celoti izražena v oceni tveganja in vodstvenih odločitvah.
Competent authorities shall ensure that liquidity plans to address the implications of both scheduled and early amortisation exist at institutions which are originators of revolving securitisation transactions involving early amortisation provisions.
Pristojni organi zagotovijo, da institucije, ki so originatorji obnavljajočih se poslov listinjenja, ki vsebujejo določbe o predčasnem odplačilu, vzpostavijo likvidnostne načrte za obravnavo vpliva načrtovanega in predčasnega odplačila.
Market risk
Tržno tveganje
Competent authorities shall ensure that policies and processes for the identification, measurement and management of all material sources and effects of market risks are implemented.
Pristojni organi zagotovijo, da se izvajajo politike in procesi za ugotavljanje, merjenje in upravljanje vseh pomembnih virov in vplivov tržnih tveganj.
Where the short position falls due before the long position, competent authorities shall ensure that institutions also take measures against the risk of a shortage of liquidity.
Kadar kratka pozicija v blagu zapade v poravnavo pred dolgo pozicijo, pristojni organi zagotovijo, da institucije sprejmejo tudi ukrepe proti likvidnostnim tveganjem.
The internal capital shall be adequate for material market risks that are not subject to an own funds requirement.
Notranji kapital je ustrezen za pomembna tržna tveganja, ki niso predmet kapitalskih zahtev.
Where using the treatment in Article 345 of Regulation (EU) No 575/2013, institutions shall ensure that they hold sufficient internal capital against the risk of loss which exists between the time of the initial commitment and the following working day.
Institucije pri uporabi postopka iz člena 345 Uredbe (EU) št. 575/2013 zagotovijo, da imajo zadosten notranji kapital za kritje tveganja izgube, ki obstaja v času od začetka prevzema obveznosti do naslednjega delovnega dne.
Interest risk arising from non-trading book activities
Tveganje spremembe obrestne mere, ki je posledica dejavnosti iz netrgovalne knjige
Competent authorities shall ensure that institutions implement systems to identify, evaluate and manage the risk arising from potential changes in interest rates that affect an institution's non-trading activities.
Pristojni organi zagotovijo, da institucije izvajajo sisteme za ugotavljanje, vrednotenje in upravljanje tveganj zaradi morebitnih sprememb obrestnih mer, ki vplivajo na netrgovalne dejavnosti institucije.
Operational risk
Operativno tveganje
Competent authorities shall ensure that institutions implement policies and processes to evaluate and manage the exposure to operational risk, including model risk, and to cover low-frequency high-severity events.
Pristojni organi zagotovijo, da institucije izvajajo politike in procese za ovrednotenje in upravljanje izpostavljenosti operativnemu tveganju, vključno z modelskim tveganjem in za dogodke vrste "majhna pogostost – velik vpliv".
Institutions shall articulate what constitutes operational risk for the purposes of those policies and procedures.
Institucije določijo, kaj je operativno tveganje za namene navedenih politik in postopkov.
Competent authorities shall ensure that contingency and business continuity plans are in place to ensure an institution's ability to operate on an ongoing basis and limit losses in the event of severe business disruption.
Pristojni organi zagotovijo, da se pripravijo krizni načrti in načrti neprekinjenega poslovanja, ki instituciji zagotovijo zmožnost neprekinjenega poslovanja in omejijo izgube v primeru resne motnje poslovanja.
Competent authorities shall ensure that institutions have robust strategies, policies, processes and systems for the identification, measurement, management and monitoring of liquidity risk over an appropriate set of time horizons, including intra-day, so as to ensure that institutions maintain adequate levels of liquidity buffers.
Pristojni organi zagotovijo, da institucije vzpostavijo zanesljive strategije, politike, procese in sisteme za ugotavljanje, merjenje, upravljanje in spremljanje likvidnostnega tveganja v ustreznem sklopu časovnih obdobij, tudi znotraj enega dne, za zagotovitev, da institucije ohranjajo ustrezne ravni likvidnostnih blažilnikov.
Those strategies, policies, processes and systems shall be tailored to business lines, currencies, branches and legal entities and shall include adequate allocation mechanisms of liquidity costs, benefits and risks.
Navedene strategije, politike, procesi in sistemi so prilagojeni poslovnim področjem, valutam, podružnicam in pravnim osebam ter vključujejo ustrezne mehanizme razporeditve likvidnostnih stroškov, koristi in tveganj.
The strategies, policies, processes and systems referred to in paragraph 1 shall be proportionate to the complexity, risk profile, scope of operation of the institutions and risk tolerance set by the management body and reflect the institution's importance in each Member State in which it carries out business.
Strategije, politike, procesi in sistemi iz odstavka 1 so sorazmerni z zapletenostjo, profilom tveganosti, obsegom poslovanja institucij in mejo dovoljenega tveganja, ki jo določi upravljalni organ, ter odražajo pomembnost institucije v vsaki državi članici, v kateri posluje.
Institutions shall communicate risk tolerance to all relevant business lines.
Institucije vsa zadevna poslovna področja seznanijo z dovoljenim tveganjem.
Competent authorities shall ensure that institutions, taking into account the nature, scale and complexity of their activities, have liquidity risk profiles that are consistent with and, not in excess of, those required for a well-functioning and robust system.
Pristojni organi zagotovijo, da imajo institucije, ob upoštevanju narave, obsega in zapletenosti njihovih dejavnosti, profile likvidnostnega tveganja, ki so skladni s tem in ne presegajo tega, kar se zahteva za dobro delujoč in stabilen sistem.
Competent authorities shall monitor developments in relation to liquidity risk profiles, for example product design and volumes, risk management, funding policies and funding concentrations.
Pristojni organi spremljajo razvoj dogodkov v zvezi s profili likvidnostnega tveganja, na primer zasnovo in obseg produktov, upravljanje tveganj, politike financiranja ter koncentracije financiranja.
Competent authorities shall take effective action where developments referred to in the second subparagraph may lead to individual institution or systemic instability.
Pristojni organi sprejmejo učinkovite ukrepe, če bi razvoj dogodkov iz drugega pododstavka lahko povzročil nestabilnost posamezne institucije ali sistemsko nestabilnost.
Competent authorities shall inform EBA about any actions carried out pursuant to the third subparagraph.
Pristojni organi EBA obvestijo o vseh ukrepih, izvedenih v skladu s tretjim pododstavkom.
EBA shall make recommendations where appropriate in accordance with Regulation (EU) No 1093/2010.
EBA po potrebi izda priporočila v skladu z Uredbo (EU) št. 1093/2010.
Competent authorities shall ensure that institutions develop methodologies for the identification, measurement, management and monitoring of funding positions.
Pristojni organi zagotovijo, da institucije razvijejo metodologije za ugotavljanje, merjenje, upravljanje in spremljanje pozicij financiranja.
Those methodologies shall include the current and projected material cash-flows in and arising from assets, liabilities, off-balance-sheet items, including contingent liabilities and the possible impact of reputational risk.
Te metodologije vključujejo sedanje in načrtovane pomembne denarne tokove v in iz sredstev, obveznosti in zunajbilančnih postavk, vključno s pogojnimi obveznostmi in morebitnim učinkom tveganja ugleda.
Competent authorities shall ensure that institutions distinguish between pledged and unencumbered assets that are available at all times, in particular during emergency situations.
Pristojni organi zagotovijo, da institucije razlikujejo med zastavljenimi in neobremenjenimi sredstvi, ki so vedno na voljo, zlasti v izrednih razmerah.
They shall also ensure that institutions take into account the legal entity in which assets reside, the country where assets are legally recorded either in a register or in an account and their eligibility and shall monitor how assets can be mobilised in a timely manner.
Prav tako zagotovijo, da institucije upoštevajo pravno osebo, v kateri so sredstva, državo, kjer so sredstva zakonito vpisana v register ali na računu, in primernost teh sredstev, ter preverjajo, kako se lahko sredstva hitro aktivirajo.
Competent authorities shall ensure that institutions also have regard to existing legal, regulatory and operational limitations to potential transfers of liquidity and unencumbered assets amongst entities, both within and outside the European Economic Area.
Pristojni organi zagotovijo, da institucije upoštevajo tudi obstoječe pravne, regulativne in operativne omejitve morebitnih prenosov likvidnosti in neobremenjenih sredstev med subjekti znotraj Evropskega gospodarskega prostora in zunaj njega.
Competent authorities shall ensure that institutions consider different liquidity risk mitigation tools, including a system of limits and liquidity buffers in order to be able to withstand a range of different stress events and an adequately diversified funding structure and access to funding sources.
Pristojni organi zagotovijo, da institucije preučijo različna orodja za zmanjševanje likvidnostnega tveganja, vključno s sistemom limitov in likvidnostnimi blažilniki, da bi lahko vzdržale številne različne stresne dogodke, ter dovolj raznovrstno strukturo financiranja in dostop do virov financiranja.
Competent authorities shall ensure that institutions consider alternative scenarios on liquidity positions and on risk mitigants and review the assumptions underlying decisions concerning the funding position at least annually.
Pristojni organi zagotovijo, da institucije preučijo različne scenarije pozicij likvidnosti in instrumentov zavarovanja ter da vsaj enkrat letno pregledajo predpostavke, na podlagi katerih se sprejemajo odločitve v zvezi s pozicijami sredstev.
For those purposes, alternative scenarios shall address, in particular, off-balance sheet items and other contingent liabilities, including those of Securitisation Special Purpose Entities (SSPE) or other special purpose entities, as referred to in Regulation (EU) No 575/2013, in relation to which the institution acts as sponsor or provides material liquidity support.
Za te namene različni scenariji obravnavajo zlasti zunajbilančne postavke in druge pogojne obveznosti, tudi od subjektov s posebnim namenom pri listinjenju (SSPE) ali drugih subjektov s posebnim namenom iz Uredbe (EU) št. 575/2013, v odnosu do katerih institucija deluje kot sponzor ali zagotavlja pomembno likvidnostno podporo.
Competent authorities shall ensure that institutions consider the potential impact of institution-specific, market-wide and combined alternative scenarios.
Pristojni organi zagotovijo, da institucije preučijo morebitni učinek različnih scenarijev za posamezno institucijo, za celoten trg ali kombiniranih scenarijev.
Different time periods and varying degrees of stress conditions shall be considered.
Preučijo se različna časovna obdobja in različne stopnje stresnih pogojev.
Competent authorities shall ensure that institutions adjust their strategies, internal policies and limits on liquidity risk and develop effective contingency plans, taking into account the outcome of the alternative scenarios referred to in paragraph 8.
Pristojni organi zagotovijo, da institucije prilagodijo svoje strategije, notranje politike in omejitve likvidnostnega tveganja ter razvijejo učinkovite krizne načrte, pri čemer upoštevajo izid različnih scenarijev iz odstavka 8.
Competent authorities shall ensure that institutions have in place liquidity recovery plans setting out adequate strategies and proper implementation measures in order to address possible liquidity shortfalls, including in relation to branches established in another Member State.
Pristojni organi zagotovijo, da imajo institucije pripravljene načrte za ponovno vzpostavitev likvidnosti, ki določajo primerne strategije in ustrezne izvedbene ukrepe za obravnavanje morebitnih likvidnostnih primanjkljajev, vključno v povezavi s podružnicami, ustanovljenimi v drugi državi članici.
Competent authorities shall ensure that those plans are tested by the institutions at least annually, updated on the basis of the outcome of the alternative scenarios set out in paragraph 8, reported to and approved by senior management, so that internal policies and processes can be adjusted accordingly.
Pristojni organi zagotovijo, da institucije vsaj enkrat letno preskušajo navedene načrte in jih posodabljajo na podlagi izidov različnih scenarijev iz odstavka 8 ter posredujejo višjemu vodstvu v odobritev, da se lahko notranje politike in procesi ustrezno prilagodijo.
Institutions shall take the necessary operational steps in advance to ensure that liquidity recovery plans can be implemented immediately.
Institucije vnaprej sprejmejo potrebne operativne ukrepe za zagotovitev, da se lahko načrti za ponovno vzpostavitev likvidnosti začnejo takoj izvajati.
For credit institutions, such operational steps shall include holding collateral immediately available for central bank funding.
V primeru kreditnih institucij takšni operativni ukrepi vključujejo takojšnjo razpoložljivost zavarovanja s premoženjem za financiranje s strani centralnih bank.
This includes holding collateral where necessary in the currency of another Member State, or the currency of a third country to which the credit institution has exposures, and where operationally necessary within the territory of a host Member State or of a third country to whose currency it is exposed.
To vključuje, da je zavarovanje s premoženjem po potrebi v valuti druge države članice ali valuti tretje države, ki ji je kreditna institucija izpostavljena, in kadar je potrebno za poslovanje na ozemlju države članice gostiteljice ali tretje države, valuti katere je izpostavljena.
Risk of excessive leverage
Tveganje prevelikega finančnega vzvoda
Competent authorities shall ensure that institutions have policies and processes in place for the identification, management and monitoring of the risk of excessive leverage.
Pristojni organi zagotovijo, da institucije izvajajo politike in procese za ugotavljanje, upravljanje in spremljanje tveganja prevelikega finančnega vzvoda.
Indicators for the risk of excessive leverage shall include the leverage ratio determined in accordance with Article 429 of Regulation (EU) No 575/2013 and mismatches between assets and obligations.
Kazalniki tveganja prevelikega finančnega vzvoda vključujejo količnik vzvoda, ki se določi v skladu s členom 429 Uredbe (EU) št. 575/2013, ter neusklajenost med sredstvi in obveznostmi.
Competent authorities shall ensure that institutions address the risk of excessive leverage in a precautionary manner by taking due account of potential increases in the risk of excessive leverage caused by reductions of the institution's own funds through expected or realised losses, depending on the applicable accounting rules.
Pristojni organi zagotovijo, da institucije previdnostno obravnavajo tveganje prevelikega finančnega vzvoda, tako da ustrezno upoštevajo morebitna povečanja tveganja prevelikega finančnega vzvoda, ki so posledica zmanjšanja kapitala institucije zaradi pričakovanih ali dejanskih izgub, odvisno od veljavnih računovodskih pravil.
To that end, institutions shall be able to withstand a range of different stress events with respect to the risk of excessive leverage.
Za ta namen morajo biti institucije sposobne vzdržati številne različne stresne dogodke v zvezi s tveganjem prevelikega finančnega vzvoda.
Sub-Section 3
Pododdelek 3
Governance arrangements
Ureditve upravljanja
Member States shall ensure that the management body defines, oversees and is accountable for the implementation of the governance arrangements that ensure effective and prudent management of an institution, including the segregation of duties in the organisation and the prevention of conflicts of interest.
Države članice zagotovijo, da upravljalni organ opredeli in nadzoruje izvajanje ureditev upravljanja, ki zagotavljajo učinkovito in skrbno upravljanje institucije, vključno z razdelitvijo dolžnosti v organizaciji in preprečevanjem nasprotja interesov, ter da je za to izvajanje odgovoren.
Those arrangements shall comply with the following principles:
Navedene ureditve so v skladu z naslednjimi načeli:
the management body must have the overall responsibility for the institution and approve and oversee the implementation of the institution's strategic objectives, risk strategy and internal governance;
upravljalni organ mora biti v celoti odgovoren za institucijo ter odobriti in nadzorovati izvajanje strateških ciljev, strategije upravljanja tveganj in notranjega upravljanja institucije;
the management body must ensure the integrity of the accounting and financial reporting systems, including financial and operational controls and compliance with the law and relevant standards;
upravljalni organ mora zagotavljati celovitost sistemov računovodskega in finančnega poročanja, vključno s finančnim in operativnim nadzorom ter skladnostjo z zakonodajo in relevantnimi standardi;
the management body must oversee the process of disclosure and communications;
upravljalni organ mora nadzorovati postopek razkritja informacij in sporočanja;