natgillin/translations-raw huggingface dataset:
The review and evaluation shall be updated at least on an annual basis for institutions covered by the supervisory examination programme referred to in Article 99(2).
Pregledovanja in ovrednotenje se posodabljata vsaj vsako leto za institucije, zajete v programu nadzorniških pregledov iz člena 99(2).
Member States shall ensure that where a review shows that an institution may pose systemic risk in accordance with Article 23 of Regulation (EU) No 1093/2010 the competent authorities inform EBA without delay about the results of the review.
Države članice zagotovijo, da pristojni organi brez odlašanja obvestijo EBA o rezultatih pregledovanja, kadar pregledovanje pokaže, da institucija lahko pomeni sistemsko tveganje v skladu s členom 23 Uredbe (EU) št. 1093/2010.
Technical criteria for the supervisory review and evaluation
Tehnična merila za nadzorniško pregledovanje in ovrednotenje
In addition to credit, market and operational risks, the review and evaluation performed by competent authorities pursuant to Article 97 shall include at least:
Poleg pregledovanja in ovrednotenja kreditnega, tržnega in operativnega tveganja pregledovanje in ovrednotenje s strani pristojnih organov na podlagi člena 97 vključuje vsaj:
the results of the stress test carried out in accordance with Article 177 of Regulation (EU) No 575/2013 by institutions applying an internal ratings based approach;
rezultate stresnih testov, ki jih v skladu s členom 177 Uredbe (EU) št. 575/2013 izvedejo institucije, ki uporabljajo pristop temelječ na notranjih bonitetnih ocenah;
the exposure to and management of concentration risk by institutions, including their compliance with the requirements set out in Part Four of Regulation (EU) No 575/2013 and Article 81 of this Directive;
izpostavljenost tveganju koncentracije in upravljanje tega tveganja s strani institucij, vključno z njihovim spoštovanjem zahtev iz dela 4 Uredbe (EU) št. 575/2013 in člena 81 te direktive;
the robustness, suitability and manner of application of the policies and procedures implemented by institutions for the management of the residual risk associated with the use of recognised credit risk mitigation techniques;
stabilnost, ustreznost in način uporabe politik in postopkov, ki jih izvajajo institucije za upravljanje preostalega tveganja, povezanega z uporabo priznanih tehnik za zmanjševanje kreditnega tveganja;
the extent to which the own funds held by an institution in respect of assets which it has securitised are adequate having regard to the economic substance of the transaction, including the degree of risk transfer achieved;
ustrezen obseg kapitala institucije glede na sredstva, ki jih je institucija olistinila, ob upoštevanju ekonomske vsebine posla, vključno z doseženo stopnjo prenosa tveganja;
the exposure to, measurement and management of liquidity risk by institutions, including the development of alternative scenario analyses, the management of risk mitigants (in particular the level, composition and quality of liquidity buffers) and effective contingency plans;
izpostavljenost institucij likvidnostnemu tveganju ter merjenje in upravljanje tega tveganja s strani institucij, vključno z razvojem analiz alternativnih scenarijev, upravljanjem instrumentov za zmanjševanje tveganja (zlasti ravni, sestave in kakovosti likvidnostnih blažilnikov) ter učinkovitimi načrti neprekinjenega poslovanja;
the impact of diversification effects and how such effects are factored into the risk measurement system;
vpliv učinkov razpršitve in način vključevanja teh učinkov v sistem merjenja tveganja;
the results of stress tests carried out by institutions using an internal model to calculate market risk own funds requirements under Part Three, Title IV, Chapter 5 of Regulation (EU) No 575/2013;
rezultate stresnih testov, ki jih izvajajo institucije, ki uporabljajo notranji model za izračun kapitalske zahteve za tržno tveganje v skladu s poglavjem 5 naslova IV dela 3 Uredbe (EU) št. 575/2013;
the geographical location of institutions' exposures;
geografsko lokacijo izpostavljenosti institucij;
the business model of the institution;
poslovni model institucije;
the assessment of systemic risk, in accordance with the criteria set out in Article 97.
oceno sistemskega tveganja v skladu z merili iz člena 97.
For the purposes of point (e) of paragraph 1, the competent authorities shall regularly carry out a comprehensive assessment of the overall liquidity risk management by institutions and promote the development of sound internal methodologies.
Za namene točke (e) odstavka 1 pristojni organi redno izvajajo celovito presojo celotnega upravljanja likvidnostnega tveganja s strani institucij in spodbujajo razvoj zanesljivih notranjih metodologij.
While conducting those reviews, the competent authorities shall have regard to the role played by institutions in the financial markets.
Pristojni organi med opravljanjem navedenih pregledov upoštevajo vlogo institucij na finančnih trgih.
The competent authorities in one Member State shall duly consider the potential impact of their decisions on the stability of the financial system in all other Member States concerned.
Pristojni organi v eni državi članici ustrezno upoštevajo morebitni učinek svojih odločitev na stabilnost finančnega sistema v vseh drugih zadevnih državah članicah.
Competent authorities shall monitor whether an institution has provided implicit support to a securitisation.
Pristojni organi spremljajo, ali je institucija zagotavljala posredno podporo pri listinjenju.
If an institution is found to have provided implicit support on more than one occasion the competent authority shall take appropriate measures reflective of the increased expectation that it will provide future support to its securitisation thus failing to achieve a significant transfer of risk.
Če se izkaže, da je institucija zagotavljala posredno podporo v več kot enem primeru, pristojni organ sprejme ustrezne ukrepe, ki odražajo povečana pričakovanja, da bo zagotavljala nadaljnjo podporo pri listinjenju, zaradi česar ji ne uspe doseči prenosa pomembnega deleža tveganja.
For the purposes of the determination to be made under Article 97(3) of this Directive, competent authorities shall consider whether the valuation adjustments taken for positions or portfolios in the trading book, as set out in Article 105 of Regulation (EU) No 575/2013, enable the institution to sell or hedge out its positions within a short period without incurring material losses under normal market conditions.
Za namene določitve, ki jo je treba opraviti v skladu s členom 97(3) te direktive, pristojni organi ocenijo, ali prilagoditve iz vrednotenja za pozicije/portfelje v trgovalni knjigi, kot so določeni v členu 105 Uredbe (EU) št. 575/2013, instituciji omogočajo, da v kratkem časovnem obdobju proda svoje pozicije ali zanje uvede varovanje brez pomembne izgube v običajnih tržnih pogojih.
The review and evaluation performed by competent authorities shall include the exposure of institutions to the interest rate risk arising from non-trading activities.
Pregledovanje in ovrednotenje, ki ju opravljajo pristojni organi, vključujeta izpostavljenost institucij tveganju spremembe obrestne mere, ki izhaja iz ne-trgovalnih dejavnosti.
Measures shall be required at least in the case of institutions whose economic value declines by more than 20 % of their own funds as a result of a sudden and unexpected change in interest rates of 200 basis points or such change as defined in the EBA guidelines.
Ukrepi se zahtevajo vsaj v primeru institucij, katerih ekonomska vrednost se zmanjša za več kot 20 % njihovega kapitala zaradi nenadne in nepričakovane spremembe obrestne mere za 200 bazičnih točk, ali spremembe, kakor je določena v smernicah EBA.
The review and evaluation performed by competent authorities shall include the exposure of institutions to the risk of excessive leverage as reflected by indicators of excessive leverage, including the leverage ratio determined in accordance with Article 429 of Regulation (EU) No 575/2013.
Pregledovanje in ovrednotenje, ki ju opravljajo pristojni organi, vključujeta izpostavljenost institucij tveganju prevelikega finančnega vzvoda, kot je razvidno na podlagi kazalnikov prevelikega finančnega vzvoda, vključno s količnikom finančnega vzvoda, ki se določi v skladu s členom 429 Uredbe (EU) št. 575/2013.
In determining the adequacy of the leverage ratio of institutions and of the arrangements, strategies, processes and mechanisms implemented by institutions to manage the risk of excessive leverage, competent authorities shall take into account the business model of those institutions.
Pri določitvi ustreznosti količnika finančnega vzvoda institucij ter ureditev, strategij, procesov in mehanizmov, ki jih izvajajo institucije za upravljanje tveganja prevelikega finančnega vzvoda, pristojni organi upoštevajo poslovni model teh institucij.
The review and evaluation conducted by competent authorities shall include governance arrangements of institutions, their corporate culture and values, and the ability of members of the management body to perform their duties.
Pregledovanje in ovrednotenje, ki ju izvajajo pristojni organi, vključujeta ureditve upravljanja institucij, njihovo korporativno kulturo in vrednote ter usposobljenost članov upravljalnega organa za opravljanje njihovih nalog.
In conducting that review and evaluation, competent authorities shall, at least, have access to agendas and supporting documents for meetings of the management body and its committees, and the results of the internal or external evaluation of performance of the management body.
Pristojni organi imajo v okviru tega pregledovanja in ovrednotenja dostop vsaj do dnevnih redov in spremnih dokumentov za sestanke upravljalnega organa in njegovih komisij ter rezultatov notranjega ali zunanjega ovrednotenja uspešnosti upravljalnega organa.
Article 99
člen 99
Supervisory examination programme
Načrt nadzorniških pregledov
The competent authorities shall, at least annually, adopt a supervisory examination programme for the institutions they supervise.
Pristojni organi za institucije, ki jih nadzorujejo, vsaj enkrat letno sprejmejo načrt nadzorniških pregledov.
Such programme shall take into account the supervisory review and evaluation process under Article 97.
Ta načrt vključuje procese nadzorniškega pregledovanja in ovrednotenja v skladu s členom 97.
It shall contain the following:
Vsebovati mora naslednje:
an indication of how competent authorities intend to carry out their tasks and allocate their resources;
opis, kako nameravajo pristojni organi izvajati svoje naloge in razporediti svoje vire;
an identification of which institutions are intended to be subject to enhanced supervision and the measures taken for such supervision as set out in paragraph 3;
opredelitev institucij, za katere naj bi se izvajal okrepljen nadzor, in ukrepe, sprejete za zagotovitev takega nadzora v skladu z odstavkom 3;
a plan for inspections at the premises used by an institution, including its branches and subsidiaries established in other Member States in accordance with Articles 52, 119 and 122.
načrt inšpekcijskih pregledov v prostorih, ki jih uporablja institucija, vključno z njenimi podružnicami in podrejenimi družbami, ustanovljenimi v drugih državah članicah, v skladu s členi 52, 119 in 122.
Supervisory examination programmes shall include the following institutions:
Načrti nadzorniških pregledov zajemajo naslednje institucije:
institutions for which the results of the stress tests referred to in points (a) and (g) of Article 98(1) and Article 100, or the outcome of the supervisory review and evaluation process under Article 97, indicate significant risks to their ongoing financial soundness or indicate breaches of national provisions transposing this Directive and of Regulation (EU) No 575/2013;
institucije, za katere je bilo na podlagi rezultatov stresnih testov iz točk (a) in (g) člena 98(1) in člena 100 ali rezultatov procesa nadzorniškega pregledovanja in ovrednotenja iz člena 97 ugotovljeno pomembno tveganje za njihovo trenutno finančno trdnost ali kršitve nacionalnih določb, s katerimi se prenaša ta direktiva, in Uredbe (EU) št. 575/2013;
institutions that pose systemic risk to the financial system;
institucije, ki pomenijo sistemsko tveganje za finančni sistem;
any other institution for which the competent authorities deem it to be necessary.
katere koli druge institucije, ki jih je po mnenju pristojnih organov treba vključiti v načrt.
Where appropriate under Article 97 the following measures shall, in particular, be taken if necessary:
Kadar je to potrebno v skladu s členom 97, se sprejmejo zlasti naslednji ukrepi:
an increase in the number or frequency of on-site inspections of the institution;
večje število inšpekcijskih pregledov na kraju samem v instituciji ali pogostejše izvajanje teh pregledov;
a permanent presence of the competent authority at the institution;
stalna prisotnost pristojnega organa v instituciji;
additional or more frequent reporting by the institution;
dodatno ali pogostejše poročanje institucije;
additional or more frequent review of the operational, strategic or business plans of the institution;
dodatni ali pogostejši pregledi operativnih, strateških ali poslovnih načrtov institucije;
thematic examinations monitoring specific risks that are likely to materialise.
tematski pregledi za spremljanje posebnih tveganj, za katere je verjetno, da se bodo uresničila.
Adoption of a supervisory examination programme by the competent authority of the home Member State shall not prevent the competent authorities of the host Member State from carrying out, on a case-by-case basis, on-the-spot checks and inspections of the activities carried out by branches of institutions on their territory in accordance with Article 52(3).
Načrt nadzorniških pregledov, ki ga sprejme pristojni organ matične države članice, ne pomeni, da pristojni organi države članice gostiteljice ne morejo za vsak primer posebej izvajati preverjanj na kraju samem in inšpekcijskih pregledov dejavnosti, ki jih v skladu s členom 52(3) izvajajo podružnice institucij na njihovem ozemlju.
Article 100
člen 100
Supervisory stress testing
Nadzorniško stresno testiranje
The competent authorities shall carry out as appropriate but at least annually supervisory stress tests on institutions they supervise, to facilitate the review and evaluation process under Article 97.
Pristojni organi v institucijah, ki jih nadzorujejo, izvajajo po potrebi, vendar vsaj enkrat letno, nadzorniške stresne teste v podporo procesu pregledovanja in ovrednotenja iz člena 97.
EBA shall issue guidelines in accordance with Article 16 of Regulation (EU) No 1093/2010 to ensure that common methodologies are used by the competent authorities when conducting annual supervisory stress tests.
EBA izda smernice v skladu s členom 16 Uredbe (EU) št. 1093/2010 in tako zagotovi, da pristojni organi pri izvajanju letnih nadzorniških stresnih testov uporabljajo skupne metodologije.
Article 101
člen 101
Ongoing review of the permission to use internal approaches
Redno pregledovanje dovoljenja za uporabo notranjih pristopov
Competent authorities shall review on a regular basis, and at least every 3 years, institutions' compliance with the requirements regarding approaches that require permission by the competent authorities before using such approaches for the calculation of own funds requirements in accordance with Part Three of Regulation (EU) No 575/2013.
Pristojni organi redno, in vsaj vsaka tri leta, pregledujejo, ali institucije spoštujejo zahteve glede pristopov, pri katerih je potrebno dovoljenje pristojnih organov, preden se ti pristopi uporabijo za izračun kapitalskih zahtev v skladu z delom 3 Uredbe (EU) št. 575/2013.
They shall have particular regard to changes in an institution's business and to the implementation of those approaches to new products.
Pri tem so zlasti pozorni na spremembe v poslovanju institucij in izvajanje navedenih pristopov pri novih produktih.
Where material deficiencies are identified in risk capture by an institution's internal approach, competent authorities shall ensure they are rectified or take appropriate steps to mitigate their consequences, including by imposing higher multiplication factors, or imposing capital add-ons, or taking other appropriate and effective measures.
Če so pri zajetju tveganj z notranjim pristopom institucije ugotovljene pomembne pomanjkljivosti, pristojni organi zagotovijo, da se odpravijo, oziroma sprejmejo ustrezne ukrepe za ublažitev njihovih posledic, vključno z uvedbo višjih multiplikatorjev ali zahtevo po kapitalskih pribitkih ali sprejetjem drugih ustreznih in učinkovitih ukrepov.
The competent authorities shall in particular review and assess whether the institution uses well developed and up-to-date techniques and practices for those approaches.
Pristojni organi pregledajo in ocenijo zlasti, ali institucija pri teh pristopih uporablja dobro razvite in posodobljene tehnike ter prakse.
If for an internal market risk model numerous overshootings referred to in Article 366 of Regulation (EU) No 575/2013 indicate that the model is not or is no longer sufficiently accurate, the competent authorities shall revoke the permission for using the internal model or impose appropriate measures to ensure that the model is improved promptly.
Če veliko število preseganj iz člena 366 Uredbe (EU) št. 575/2013 za notranji model za tržna tveganja kaže, da model ni ali ni več dovolj natančen, pristojni organi prekličejo dovoljenje za uporabo notranjega modela ali uvedejo ustrezne ukrepe, s katerimi zagotovijo takojšnje izboljšanje modela.
If an institution has received permission to apply an approach that requires permission by the competent authorities before using such an approach for the calculation of own funds requirements in accordance with Part Three of Regulation (EU) No 575/2013 but does not meet the requirements for applying that approach anymore, the competent authorities shall require the institution to either demonstrate to the satisfaction of the competent authorities that the effect of non-compliance is immaterial where applicable in accordance with Regulation (EU) No 575/2013 or present a plan for the timely restoration of compliance with the requirements and set a deadline for its implementation.
Če je institucija dobila dovoljenje za uporabo pristopa, pri katerem je potrebno dovoljenje pristojnih organov, preden se uporabi ta pristop za izračun kapitalskih zahtev v skladu z delom 3 Uredbe (EU) št. 575/2013, vendar ni več skladna z zahtevami za uporabo tega pristopa, pristojni organi od institucije zahtevajo, naj bodisi zadovoljivo dokaže pristojnim organom, da učinek neskladnosti ni pomemben, kadar je to potrebno v skladu z Uredbo (EU) št. 575/2013, bodisi predloži načrt za pravočasno ponovno vzpostavitev skladnosti z zahtevami in določi rok za izvedbo načrta.
The competent authorities shall require improvements to that plan if it is unlikely to result in full compliance or if the deadline is inappropriate.
Če ni gotovo, da se bo z načrtom zagotovila popolna skladnost, ali če rok ni ustrezen, pristojni organi zahtevajo izboljšanje načrta.
If the institution is unlikely to be able to restore compliance within an appropriate deadline and, where applicable, has not satisfactorily demonstrated that the effect of non-compliance is immaterial, the permission to use the approach shall be revoked or limited to compliant areas or those where compliance can be achieved within an appropriate deadline.
Če je malo verjetno, da bo lahko institucija vzpostavila skladnost v ustreznem roku in če ni zadovoljivo dokazala, kadar je to potrebno, da učinek neskladnosti ni pomemben, se dovoljenje za uporabo pristopa razveljavi ali omeji na področja, ki izpolnjujejo zahteve, oziroma področja, na katerih je skladnost mogoče doseči v ustreznem roku.
In order to promote consistent soundness of internal approaches in the Union, EBA shall analyse internal approaches across institutions, including the consistency of implementation of the definition of default and how those institutions treat similar risks or exposures.
EBA zaradi spodbujanja stabilnosti notranjih pristopov v Uniji analizira notranje pristope institucij, vključno z doslednim izvajanjem opredelitve neplačila, in dejstvo, kako te institucije obravnavajo podobna tveganja ali izpostavljenosti.
EBA shall develop guidelines in accordance with Article 16 of Regulation (EU) No 1093/2010, which contain benchmarks on the basis of that analysis.
EBA pripravi smernice v skladu s členom 16 Uredbe (EU) št. 1093/2010, ki vključujejo merila uspešnosti na podlagi navedene analize.
Competent authorities shall take into account that analysis and those benchmarks for the review of the permissions they grant to institutions to use internal approaches.
Pri pregledu dovoljenj, ki se institucijam izdajo za uporabo notranjih pristopov, pristojni organi upoštevajo navedeno analizo in merila uspešnosti.
Supervisory measures and powers
Nadzorniški ukrepi in pooblastila
Supervisory measures
Nadzorniški ukrepi
Competent authorities shall require an institution to take the necessary measures at an early stage to address relevant problems in the following circumstances:
Pristojni organi od institucije zahtevajo, da dovolj zgodaj sprejme potrebne ukrepe za odpravo relevantnih težav v naslednjih okoliščinah:
the institution does not meet the requirements of this Directive or of Regulation (EU) No 575/2013;
institucija ne izpolnjuje zahtev te direktive ali Uredbe (EU) št. 575/2013;
the competent authorities have evidence that the institution is likely to breach the requirements of this Directive or of Regulation (EU) No 575/2013 within the following 12 months.
pristojni organi imajo dokaz, da bi lahko institucija v naslednjih 12 mesecih kršila zahteve iz te direktive ali Uredbe (EU) št. 575/2013;
For the purposes of paragraph 1, the powers of competent authorities shall include those referred to in Article 104.
Za namene odstavka 1 pooblastila pristojnih organov vključujejo pooblastila iz člena 104.
Article 103
člen 103
Application of supervisory measures to institutions with similar risk profiles
Uporaba nadzorniških ukrepov za institucije s podobnimi profili tveganosti
Where the competent authorities determine under Article 97 that institutions with similar risk profiles such as similar business models or geographical location of exposures, are or might be exposed to similar risks or pose similar risks to the financial system, they may apply the supervisory review and evaluation process referred to in Article 97 to those institutions in a similar or identical manner.
Kadar pristojni organi na podlagi člena 97 ugotovijo, da so institucije s podobnimi profili tveganosti, kot so podobni poslovni modeli ali geografska lokacija izpostavljenosti, izpostavljene ali bi lahko bile izpostavljene podobnim tveganjem ali pomenijo podobna tveganja za finančni sistem, lahko uporabijo proces nadzorniškega pregledovanja in ovrednotenja iz člena 97, ki se na podoben ali enak način uporablja za te institucije.
For those purposes, Member States shall ensure that competent authorities have the necessary legal powers to impose requirements under this Directive and under Regulation (EU) No 575/2013 on those institutions in a similar or identical manner, including in particular the exercise of supervisory powers under Articles 104, 105 and 106.
V te namene države članice zagotovijo, da imajo pristojni organi potrebna pravna pooblastila, da od institucijam na podoben ali enak način naložijo zahteve iz te direktive ali Uredbe (EU) št. 575/2013, zlasti z nadzorniškimi pooblastili iz členov 104, 105 in 106.
The types of institution referred to in the first subparagraph may in particular be determined in accordance with the criteria referred to in Article 98(1)(j).
Vrste institucij iz prvega pododstavka se lahko določijo zlasti na podlagi merila iz člena 98(1)(j).
The competent authorities shall notify EBA where they apply paragraph 1.
Pristojni organi o uporabi odstavka 1 uradno obvestijo EBA.