natgillin/translations-raw huggingface dataset:
with the sole exception of permissible first priority claims referred to in Article 209(2)(b), only first liens on, or charges over, collateral shall qualify as eligible collateral and an institution shall have priority over all other lenders to the realised proceeds of the collateral;
z izključno izjemo dovoljenih pravic z najboljšim vrstnim redom iz člena 209(2)(b) se samo pravice prvega reda na predmetih zavarovanja štejejo kot primerno zavarovanje s premoženjem, institucija pa ima prednost do prihodkov iz unovčitve zavarovanja s premoženjem pred vsemu drugimi kreditodajalci;
institutions shall monitor the value of the collateral on a frequent basis and at least once every year.
institucije vrednost zavarovanja s premoženjem spremljajo redno, najmanj pa enkrat na leto.
Institutions shall carry out more frequent monitoring where the market is subject to significant changes in conditions;
Institucije v primeru pomembnih sprememb pogojev na trgu vrednost zavarovanja s premoženjem spremljajo pogosteje;
the loan agreement shall include detailed descriptions of the collateral as well as detailed specifications of the manner and frequency of revaluation;
posojilna pogodba vključuje natančen opis zavarovanja in natančno specifikacijo načina in pogostosti prevrednotenja;
institutions shall clearly document in internal credit policies and procedures available for examination the types of physical collateral they accept and the policies and practices they have in place in respect of the appropriate amount of each type of collateral relative to the exposure amount;
institucije v notranjih kreditnih politikah in postopkih, ki so na razpolago za preverjanje, jasno dokumentirajo vrste zavarovanja z drugim stvarnim premoženjem, ki jih sprejemajo, ter politike in prakse, ki jih imajo glede ustreznega obsega vsake vrste zavarovanja s premoženjem glede na znesek izpostavljenosti;
institutions' credit policies with regard to the transaction structure shall address the following:
kreditne politike institucije v zvezi s strukturo poslov obravnavajo naslednje:
appropriate collateral requirements relative to the exposure amount;
zahteve za primernost zavarovanja s premoženjem glede na znesek izpostavljenosti,
the ability to liquidate the collateral readily;
zmožnost hitrega unovčenja zavarovanja,
the ability to establish objectively a price or market value;
zmožnost objektivnega določanja cene ali tržne vrednosti,
the frequency with which the value can readily be obtained, including a professional appraisal or valuation;
pogostost, s katero je mogoče hitro pridobiti oceno vrednosti, vključno s strokovno oceno ali vrednotenjem,
the volatility or a proxy of the volatility of the value of the collateral.
nestanovitnost ali približek nestanovitnosti vrednosti zavarovanja s premoženjem;
when conducting valuation and revaluation, institutions shall take fully into account any deterioration or obsolescence of the collateral, paying particular attention to the effects of the passage of time on fashion- or date-sensitive collateral;
institucije pri vrednotenju in prevrednotenju v celoti upoštevajo vsa morebitna poslabšanja ali zastarelost zavarovanja s premoženjem ter pri tem namenjajo posebno pozornost učinkom minevanja časa na zavarovanja, ki so občutljiva na modo ali datum;
institutions shall have the right to physically inspect the collateral.
institucije imajo pravico do fizičnega pregleda stvarnega premoženja, danega v zavarovanje.
They shall also have in place policies and procedures addressing their exercise of the right to physical inspection;
Imajo tudi politike in postopke, ki obravnavajo njihovo uresničevanje pravice do fizičnega pregleda;
the collateral taken as protection shall be adequately insured against the risk of damage and institutions shall have in place procedures to monitor this.
stvarno premoženje, ki je prejeto v zavarovanje, je primerno škodno zavarovano, institucije pa imajo postopke za spremljanje navedenega.
Article 211
člen 211
Requirements for treating lease exposures as collateralised
Zahteve za obravnavanje izpostavljenosti iz naslova zakupa kot zavarovane s premoženjem
Institutions shall treat exposures arising from leasing transactions as collateralised by the type of property leased, where all the following conditions are met:
Institucije obravnavajo izpostavljenosti iz naslova poslov zakupa kot zavarovane s premoženjem glede na vrsto stvarnega premoženja, danega v zakup, če so izpolnjeni vsi naslednji pogoji:
the conditions set out in Article 208 or 210, as applicable, for the type of property leased to qualify as eligible collateral are met;
izpolnjeni so pogoji iz člena 208 ali 210, kot je ustrezno, da se stvarno premoženje, ki je dano v zakup, šteje za primerno zavarovanje s premoženjem;
the lessor has in place robust risk management with respect to the use to which the leased asset is put, its location, its age and the planned duration of its use, including appropriate monitoring of the value of the security;
zakupodajalec ima vzpostavljeno zanesljivo upravljanje tveganj glede uporabe, za katero je bilo premoženje dano v zakup, njegove lokacije, njegove starosti in načrtovanega trajanja uporabe, vključno s primernim spremljanjem vrednosti zavarovanja;
the lessor has legal ownership of the asset and is able to exercise its rights as owner in a timely fashion;
zakupodajalec je pravni lastnik premoženja in ima možnost pravočasnega uresničevanja pravic, ki jih ima kot lastnik;
where this has not already been ascertained in calculating the LGD level, the difference between the value of the unamortised amount and the market value of the security is not so large as to overstate the credit risk mitigation attributed to the leased assets.
kadar to ni bilo ugotovljeno že pri izračunu višine LGD, razlika med neamortiziranim zneskom in tržno vrednostjo zavarovanja ni tako velika, da bi precenila zmanjševanje kreditnega tveganja, ki je pripisano premoženju, danemu v zakup.
Requirements for other funded credit protection
Zahteve za drugo stvarno kreditno zavarovanje
Cash on deposit with, or cash assimilated instruments held by, a third party institution shall be eligible for the treatment set out in Article 232(1), where all the following conditions are met:
Bančne vloge ali denarju podobni instrumenti, ki so pri tretji instituciji, se obravnavajo po določbah člena 232(1), če so izpolnjeni vsi naslednji pogoji:
the borrower's claim against the third party institution is openly pledged or assigned to the lending institution and such pledge or assignment is legally effective and enforceable in all relevant jurisdictions and is unconditional and irrevocable;
terjatev kreditojemalca do tretje institucije je izrecno zastavljena ali prenesena na posojilno institucijo in ta zastava ali prenos je v vseh zadevnih jurisdikcijah pravno učinkovit/a in izvršljiv/a ter brezpogojen/-na in nepreklicen/-na;
the third party institution is notified of the pledge or assignment;
tretja institucija je uradno obveščena o zastavi ali prenosu;
as a result of the notification, the third party institution is able to make payments solely to the lending institution or to other parties only with the lending institution's prior consent.
zaradi uradnega obvestila lahko tretja institucija izvede plačila samo posojilni instituciji ali drugim strankam le s predhodnim privoljenjem institucije.
Life insurance policies pledged to the lending institution shall qualify as eligible collateral where all the following conditions are met:
Police življenjskega zavarovanja, zastavljene posojilni instituciji, se štejejo za primerno zavarovanje s premoženjem, če so izpolnjeni vsi naslednji pogoji:
the life insurance policy is openly pledged or assigned to the lending institution;
polica življenjskega zavarovanja je izrecno zastavljena posojilni instituciji ali je prenesena nanjo;
the company providing the life insurance is notified of the pledge or assignment and, as a result of the notification, may not pay amounts payable under the contract without the prior consent of the lending institution;
družba, ki daje življenjsko zavarovanje, je uradno obveščena o zastavi ali prenosu in zaradi tega uradnega obvestila ne more plačati na podlagi pogodbe izplačljivih zneskov brez predhodnega privoljenja posojilne institucije;
the lending institution has the right to cancel the policy and receive the surrender value in the event of the default of the borrower;
posojilna institucija ima pravico do odpovedi police in prejetja odkupne vrednosti v primeru kreditojemalčevega neplačila;
the lending institution is informed of any non-payments under the policy by the policy-holder;
posojilna institucija se obvesti o vsakem neplačilu po polici s strani imetnika police;
the credit protection is provided for the maturity of the loan.
kreditno zavarovanje se zagotavlja do dospelosti posojila.
Where this is not possible because the insurance relationship ends before the loan relationship expires, the institution shall ensure that the amount deriving from the insurance contract serves the institution as security until the end of the duration of the credit agreement;
Kadar to ni mogoče, ker se zavarovalno razmerje konča pred iztekom posojilnega razmerja, institucija zagotovi, da znesek iz zavarovalne pogodbe instituciji služi kot zavarovanje do iztekakreditne pogodbe;
the pledge or assignment is legally effective and enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement;
zastava ali prenos mora biti pravno učinkovit/a in izvršljiv/a v vseh jurisdikcijah, ki ga/jo zadevajo ob sklenitvi kreditne pogodbe;
the surrender value is to be paid by the company providing the life insurance in a timely manner upon request;
družba, ki daje življenjsko zavarovanje, odkupno vrednost na zahtevo pravočasno plača;
the surrender value shall not be requested without the prior consent of the institution;
odkupna vrednost se ne zahteva brez predhodnega soglasja institucije;
the company providing the life insurance is subject to Directive 2009/138/EC or is subject to supervision by a competent authority of a third country which applies supervisory and regulatory arrangements at least equivalent to those applied in the Union.
za družbo, ki daje življenjsko zavarovanje, velja Direktiva 2009/138/ES ali pa je pod nadzorom pristojnega organa tretje države, katere nadzorniška in regulativna ureditev je vsaj enakovredna tisti, ki se uporablja v Uniji.
Unfunded credit protection and credit linked notes
Osebno kreditno zavarovanje in kreditni zapisi
Requirements common to guarantees and credit derivatives
Zahteve, ki se nanašajo tako na jamstva kot na kreditne izvedene finančne instrumente
Subject to Article 214(1), credit protection deriving from a guarantee or credit derivative shall qualify as eligible unfunded credit protection where all the following conditions are met:
Ob upoštevanju člena 214(1) se kreditno zavarovanje na podlagi jamstva ali kreditnega izvedenega finančnega instrumenta šteje za primerno osebno kreditno zavarovanje, če so izpolnjeni vsi navedeni pogoji:
the credit protection is direct;
kreditno zavarovanje je neposredno;
the extent of the credit protection is clearly defined and incontrovertible;
obseg kreditnega zavarovanja je jasno opredeljen in nesporen;
the credit protection contract does not contain any clause, the fulfilment of which is outside the direct control of the lender, that:
pogodba o kreditnem zavarovanju ne vsebuje nikakršne klavzule, katere izpolnitev je izven neposrednega nadzora kreditodajalca, ki bi:
would allow the protection provider to cancel the protection unilaterally;
izdajatelju zavarovanja dovoljevala, da enostransko prekliče zavarovanje;
would increase the effective cost of protection as a result of a deterioration in the credit quality of the protected exposure;
povečala dejanske stroške zavarovanja zaradi poslabšanja kreditne kakovosti zavarovane izpostavljenosti,
could prevent the protection provider from being obliged to pay out in a timely manner in the event that the original obligor fails to make any payments due, or when the leasing contract has expired for the purposes of recognising guaranteed residual value under Articles 134(7) and 166(4);
lahko preprečila obveznost dajalca zavarovanja, da pravočasno plača v primeru, da prvotni dolžnik ne poravna zapadlih plačil, ali v primeru izteka pogodbe o zakupu za namene priznavanja preostale vrednosti zakupljenega premoženja, zavarovane z jamstvom, v skladu s členoma 134(7) in 166(4);
could allow the maturity of the credit protection to be reduced by the protection provider;
lahko dajalcu kreditnega zavarovanja dovoljevala, da skrajša zapadlost kreditnega zavarovanja;
the credit protection contract is legally effective and enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement.
pogodba o kreditnem zavarovanju je pravno učinkovita in izvršljiva v vseh jurisdikcijah, ki so relevantne ob sklenitvi kreditne pogodbe.
An institution shall demonstrate to competent authorities that it has in place systems to manage potential concentration of risk arising from its use of guarantees and credit derivatives.
Institucija pristojnim organom dokaže, da ima vzpostavljene sisteme za upravljanje z morebitno koncentracijo tveganja, ki izhaja iz njene uporabe jamstev in kreditnih izvedenih finančnih instrumentov.
An institution shall be able to demonstrate to the satisfaction of the competent authorities how its strategy in respect of its use of credit derivatives and guarantees interacts with its management of its overall risk profile.
Institucija mora biti sposobna pristojnim organom zadovoljivo dokazati, kako je njena strategija uporabe kreditnih izvedenih finančnih instrumentov in jamstev povezana z njenim upravljanjem celotnega profila tveganj.
An institution shall fulfil any contractual and statutory requirements in respect of, and take all steps necessary to ensure, the enforceability of its unfunded credit protection under the law applicable to its interest in the credit protection.
Institucija izpolnjuje vse pogodbene in zakonske zahteve v zvezi z izvršljivostjo osebnega kreditnega zavarovanja v pravnem redu, ki velja za njen delež v osebnem kreditnem zavarovanju, in sprejme vse potrebne ukrepe, da to izvršljivost zagotovi.
An institution shall have conducted sufficient legal review confirming the enforceability of the unfunded credit protection in all relevant jurisdictions.
Institucije so izvedle dovolj natančne pravne preglede, ki potrjujejo izvršljivost osebnega kreditnega zavarovanja v vseh zadevnih jurisdikcijah.
It shall repeat such review as necessary to ensure continuing enforceability.
Da zagotovijo neprekinjeno izvršljivost, te preglede po potrebi ponavljajo.
Sovereign and other public sector counter-guarantees
Posredna jamstva držav in drugih subjektov javnega sektorja
Institutions may treat the exposures referred to in paragraph 2 as protected by a guarantee provided by the entities listed in that paragraph, provided all the following conditions are satisfied:
Institucije lahko izpostavljenosti iz odstavka 2 obravnavajo kot zavarovane z jamstvom, ki ga dajejo subjekti iz navedenega odstavka, če so izpolnjeni vsi naslednji pogoji:
the counter-guarantee covers all credit risk elements of the claim;
posredno jamstvo krije vse sestavine kreditnega tveganja terjatve;
both the original guarantee and the counter-guarantee meet the requirements for guarantees set out in Articles 213 and 215(1), except that the counter-guarantee need not be direct;
tako prvotno jamstvo kot tudi posredno jamstvo izpolnjujeta zahteve za jamstva, določene v členih 213 in 215(1), razen da se za posredno jamstvo ne zahteva neposrednost;
the cover is robust and nothing in the historical evidence suggests that the coverage of the counter-guarantee is less than effectively equivalent to that of a direct guarantee by the entity in question.
kritje je zanesljivo in v pretekli evidenci ni ničesar, kar bi nakazovalo, da je kritje posrednega jamstva manj kot dejansko enakovredno kritju neposrednega jamstva zadevnega subjekta.
The treatment set out in paragraph 1 shall apply to exposures protected by a guarantee which is counter-guaranteed by any of the following entities:
Obravnava iz odstavka 1 se uporablja za izpostavljenosti, zavarovane z jamstvom, ki je nasprotno zajamčeno s strani katerega koli izmed naslednjih subjektov:
a central government or central bank;
enote centralne ravni držav ali centralne banke;
a regional government or local authority;
enote regionalne ali lokalne ravni držav;
a public sector entity, claims on which are treated as claims on the central government in accordance with Article 116(4);
subjekta javnega sektorja, terjatve do katerega se v skladu s členom 116(4) obravnavajo kot terjatve do enote centralne ravni države;
a multilateral development bank or an international organisation, to which a 0 % risk weight is assigned under or by virtue of Articles 117(2) and 118 respectively;
multilateralne razvojne banke ali mednarodne organizacije, za katere se v skladu s členom 117(2) oziroma členom 118 ali na podlagi navedenih členov uporablja utež tveganja 0 %;
a public sector entity, claims on which are treated in accordance with Article 116(1) and (2).
subjekta javnega sektorja, terjatve do katerega se obravnavajo v skladu s členom 116(1) in (2).
Institutions shall apply the treatment set out in paragraph 1 also to an exposure which is not counter-guaranteed by any entity listed in paragraph 2 where that exposure's counter-guarantee is in turn directly guaranteed by one of those entities and the conditions listed in paragraph 1 are satisfied.
Institucije uporabljajo obravnavo iz odstavka 1 tudi za izpostavljenost, za katero posredno ne jamči noben subjekt iz odstavka 2, če za to posredno jamstvo neposredno jamči eden od navedenih subjektov in so izpolnjeni pogoji iz odstavka 1.
Additional requirements for guarantees
Dodatne zahteve za jamstva
Guarantees shall qualify as eligible unfunded credit protection where all the conditions in Article 213 and all the following conditions are met:
Jamstva se štejejo za primerno osebno kreditno zavarovanje, če so izpolnjeni vsi pogoji iz člena 213 ter vsi naslednji pogoji:
on the qualifying default of or non-payment by the counterparty, the lending institution has the right to pursue, in a timely manner, the guarantor for any monies due under the claim in respect of which the protection is provided and the payment by the guarantor shall not be subject to the lending institution first having to pursue the obligor;
ob nastopu kršitve ali neplačila nasprotne stranke ima posojilna institucija pravico, da od dajalca jamstva pravočasno zahteva vse zapadle denarne zneske iz naslova terjatve, v zvezi s katero je zagotovljeno zavarovanje, plačilo s strani dajalca jamstva pa ni pogojeno s tem, da mora posojilna institucija najprej terjati dolžnika.
In the case of unfunded credit protection covering residential mortgage loans, the requirements in Article 213(1)(c)(iii) and in the first subparagraph of this point have only to be satisfied within 24 months;
V primeru osebnih kreditnih zavarovanj, ki pokrivajo stanovanjske hipotekarne kredite, je treba zahteve iz 213(1)(c)(iii) in prvega pododstavka te točke izpolniti šele v obdobju 24 mesecev;
the guarantee is an explicitly documented obligation assumed by the guarantor;
jamstvo je izrecno dokumentirana obveznost, ki jo prevzame dajalec jamstva;
either of the following conditions is met:
izpolnjen je kateri koli izmed naslednjih pogojev:
the guarantee covers all types of payments the obligor is expected to make in respect of the claim;
jamstvo krije vse vrste plačil, za katere se pričakuje, da jih v zvezi s terjatvijo opravi dolžnik;
where certain types of payment are excluded from the guarantee, the lending institution has adjusted the value of the guarantee to reflect the limited coverage.
če so določene vrste plačil izključene iz jamstva, je posojilna institucija prilagodila vrednost jamstva tako, da so upoštevane omejitve kritja.
In the case of guarantees provided in the context of mutual guarantee schemes or provided by or counter-guaranteed by entities listed in Article 214(2), the requirements in point (a) of paragraph 1 of this Article shall be considered to be satisfied where either of the following conditions is met:
V primeru jamstev, zagotovljenih v okviru vzajemnih jamstvenih shem, ali jamstev, ki jih zagotovijo ali za njih posredno jamčijo subjekti iz člena 214(2), se šteje, da so zahteve iz točke (a) odstavka 1 tega člena izpolnjene, če je izpolnjen eden od naslednjih pogojev:
the lending institution has the right to obtain in a timely manner a provisional payment by the guarantor that meets both the following conditions:
posojilna institucija ima pravico, da od dajalca jamstva pravočasno pridobi začasno plačilo, ki izpolnjuje oba naslednja pogoja:
it represents a robust estimate of the amount of the loss, including losses resulting from the non-payment of interest and other types of payment which the borrower is obliged to make, that the lending institution is likely to incur;
predstavlja grobo oceno zneska izgube, vključno z izgubami zaradi neplačila obresti in drugih vrst plačil, ki jih je kreditojemalec obvezan poravnati, ki jo bo verjetno utrpela posojilna institucija;
it is proportional to the coverage of the guarantee;
je sorazmerno z jamstvenim kritjem;
the lending institution can demonstrate to the satisfaction of the competent authorities that the effects of the guarantee, which shall also cover losses resulting from the non-payment of interest and other types of payments which the borrower is obliged to make, justify such treatment.
posojilna institucija lahko pristojnim organom zadovoljivo dokaže, da učinki jamstva, ki krijejo tudi izgube zaradi neplačila obresti in drugih vrst plačil, ki jih je kreditojemalec obvezan poravnati, upravičujejo takšno obravnavo.
Credit derivative shall qualify as eligible unfunded credit protection where all the conditions in Article 213 and all the following conditions are met:
Kreditni izvedeni finančni instrumenti se štejejo za primerno osebno kreditno zavarovanje, če so izpolnjeni vsi pogoji iz člena 213 ter vsi naslednji pogoji:
the credit events specified in the credit derivative contract include:
kreditni dogodki, določeni v pogodbi o kreditnem izvedenem finančnem instrumentu, vključujejo:
the failure to pay the amounts due under the terms of the underlying obligation that are in effect at the time of such failure, with a grace period that is equal to or shorter than the grace period in the underlying obligation;
neplačilo zapadlih zneskov v skladu s pogoji osnovne obveznosti, veljavnimi v času neplačila, z obdobjem odloga plačila, ki je enako ali krajše od obdobja odloga plačila po osnovni obveznosti;
the bankruptcy, insolvency or inability of the obligor to pay its debts, or its failure or admission in writing of its inability generally to pay its debts as they become due, and analogous events;
stečaj, insolventnost ali nesposobnost dolžnika, da plača svoje dolgove, njegovo splošno nesposobnost plačevati dolgove ob zapadlosti ali njegovo pisno priznanje tega dejstva in podobni dogodki;
the restructuring of the underlying obligation involving forgiveness or postponement of principal, interest or fees that results in a credit loss event;
prestrukturiranje osnovne obveznosti z odpisom ali odlogom plačila glavnice, obresti ali nadomestil, katerega posledica je dogodek kreditne izgube;
where credit derivatives allow for cash settlement:
kadar kreditni izvedeni finančni instrumenti dopuščajo denarno poravnavo:
institutions have in place a robust valuation process in order to estimate loss reliably;
imajo institucije vzpostavljen zanesljiv postopek vrednotenja za zanesljivo ocenjevanje izgube;
there is a clearly specified period for obtaining post-credit-event valuations of the underlying obligation;
je določen jasno opredeljen rok za pridobivanje vrednotenj osnovne obveznosti po kreditnem dogodku;