natgillin/translations-raw huggingface dataset:
the risk of the borrower shall not materially depend upon the performance of the underlying property or project, but on the underlying capacity of the borrower to repay the debt from other sources, and as a consequence, the repayment of the facility shall not materially depend on any cash flow generated by the underlying property serving as collateral.
tveganje kreditojemalca ni pomembno odvisno od donosnosti zadevne nepremičnine ali projekta, ampak od zmožnosti kreditojemalca, da poplača dolg iz drugih virov, zato vračilo dolga ni pomembno odvisno od katerega koli denarnega pritoka, ki ga ustvarja zadevna nepremičnina, ki služi kot zavarovanje.
For those other sources, institutions shall determine maximum loan-to-income ratios as part of their lending policy and obtain suitable evidence of the relevant income when granting the loan.
Institucije za druge vire določijo največja razmerja med kreditom in dohodkom kot del posojilne politike ter pridobijo ustrezne dokaze o zadevnem dohodku pri odobritvi kredita;
Covered bonds issued before 31 December 2007 are not subject to the requirements of paragraphs 1 and 3.
Za krite obveznice, izdane pred 31. decembrom 2007, zahteve iz odstavkov 1 in 3 ne veljajo.
Subject to the prior permission of the competent authorities, implementation may be carried out sequentially across the different exposure classes, referred to in Article 147, within the same business unit, across different business units in the same group or for the use of own estimates of LGDs or conversion factors for the calculation of risk weights for exposures to corporates, institutions, and central governments and central banks.
Če so pristojni organi izdali predhodno dovoljenje, se lahko uvajanje izvaja postopno po različnih kategorijah izpostavljenosti iz člena 147, znotraj iste poslovne enote, po različnih poslovnih enotah v isti skupini ali pri uporabi lastnih ocen LGD ali konverzijskih faktorjev za izračun uteži tveganja za izpostavljenosti do podjetij, institucij ter enot centralne ravni držav in centralnih bank.
In the case of the retail exposure class referred to in Article 147(5), implementation may be carried out sequentially across the categories of exposures to which the different correlations in Article 154 correspond.
V primeru kategorije izpostavljenosti na drobno iz člena 147(5) se uvajanje lahko izvaja postopno po vrstah izpostavljenosti, katerim ustrezajo različne korelacije iz člena 154.
exposures in non-significant business units as well as exposure classes or types of exposures that are immaterial in terms of size and perceived risk profile;
izpostavljenosti v nepomembnih poslovnih enotah, ter kategorijah ali vrstah izpostavljenosti, ki so nepomembne v smislu velikosti in zaznanega profila tveganosti;
exposures to central governments and central banks of the Member States and their regional governments, local authorities, administrative bodies and public sector entities provided:
izpostavljenosti do enot centralne ravni držav in centralnih bank držav članic in njihovih enot regionalne in lokalne ravni države, upravnih organov in subjektov javnega sektorja, če:
For exposures belonging to the exposure class referred to in point (d) of Article 147(2), institutions shall provide own estimates of LGDs and conversion factors in accordance with Article 143 and Section 6.
Za izpostavljenosti, ki spadajo v kategorije izpostavljenosti iz člena 147(2)(d), institucije zagotovijo lastne ocene LGD in konverzijskih faktorjev v skladu s členom 143 in oddelkom 6.
For exposures belonging to the exposure classes referred to in points (a) to (c) of Article 147(2), institutions shall apply the LGD values set out in Article 161(1), and the conversion factors set out in Article 166(8)(a) to (d), unless it has been permitted to use its own estimates of LGDs and conversion factors for those exposure classes in accordance with paragraph 9.
Za izpostavljenosti, ki spadajo v kategorije izpostavljenosti iz člena 147(2)(a) do (c), institucije uporabijo vrednosti LGD iz člena 161(1) in konverzijske faktorje iz člena 166(8)(a) do (d), razen če imajo za te kategorije izpostavljenosti dovoljenje za uporabo lastnih ocen LGD in konverzijskih faktorjev v skladu z odstavkom 9.
G(Z) denotes the inverse cumulative distribution function for a standard normal random variable (i.e. the value x such that N(x) = z)
G (Z) označuje inverzno kumulativno porazdelitveno funkcijo za standardizirano normalno slučajno spremenljivko (tj. vrednost x, tako da velja N(x)=z),
R denotes the coefficient of correlation, is defined as
R označuje korelacijski koeficient, ki je opredeljen kot
In this formula S is expressed as total annual sales in millions of Euros with EUR 5 million ≤ S ≤ EUR 50 million. Reported sales of less than EUR 5 million shall be treated as if they were equivalent to EUR 5 million. For purchased receivables the total annual sales shall be the weighted average by individual exposures of the pool.
V tej formuli je S izražen kot čisti prihodki od prodaje v milijonih EUR, pri čemer velja 5 milijonov EUR ≤ S ≤ 50 milijonov EUR. Čisti prihodki od prodaje, ki znašajo manj kot 5 milijonov EUR, se obravnavajo kot enakovredni 5 milijonom EUR. Čisti prihodki od prodaje za odkupljene denarne terjatve so tehtano povprečje posameznih izpostavljenosti v skupini odkupljenih denarnih terjatev.
< 1 year
< 1 leto
An institution acting as a clearing member may apply a shorter margin period of risk when calculating the own fund requirement for its exposures to a client in accordance with the Internal Model Method.
Institucija v vlogi klirinškega člana lahko pri izračunu kapitalske zahteve za svoje izpostavljenosti do stranke v skladu z metodo notranjega modela uporabi krajše obdobje kritja za tveganje.
2 Interest payable and similar charges
2 Odhodki za obresti in podobni odhodki
3 Income from shares and other variable/fixed-yield securities
3 Prihodki od delnic in drugih vrednostnih papirjev s spremenljivim/fiksnim donosom
Institutions shall adjust these elements to reflect the following qualifications:
Institucije te elemente prilagodijo, da odražajo naslednje opredelitve:
institutions shall calculate the relevant indicator before the deduction of any provisions and operating expenses.
institucije izračunajo relevantni kazalnik pred odbitkom rezervacij in operativnih stroškov.
Institutions shall include in operating expenses fees paid for outsourcing services rendered by third parties which are not a parent or subsidiary of the institution or a subsidiary of a parent which is also the parent of the institution.
Institucije v operativne stroške vključijo opravnine za zunanje storitve, ki jih izvajajo tretje osebe, ki niso nadrejena oseba ali podrejena družba institucije ali podrejena družba nadrejene osebe, ki je tudi nadrejena oseba institucije.
Institutions may use expenditure on the outsourcing of services rendered by third parties to reduce the relevant indicator where the expenditure is incurred from an undertaking subject to rules under, or equivalent to, this Regulation;
Institucije lahko upoštevajo stroške za zunanje storitve, ki jih izvajajo tretje osebe, da zmanjšajo relevantni kazalnik, kadar jih za te stroške bremeni podjetje, za katerega veljajo pravila v skladu s to uredbo ali enakovredna pravila;
institutions shall not use the following elements in the calculation of the relevant indicator:
institucije pri izračunu relevantnega kazalnika ne upoštevajo naslednjih elementov:
realised profits/losses from the sale of non-trading book items;
realiziranih dobičkov/izgub iz prodaje postavk iz netrgovalne knjige;
The operational risk measure shall capture potentially severe tail events, achieving a soundness standard comparable to a 99,9 % confidence interval over a one year period;
Mera operativnega tveganja zajame potencialno resne dogodke z dna spodnjega dela statistične porazdelitve izgub, pri čemer mora doseči standard zanesljivosti, primerljiv z 99,9 % intervalom zaupanja v obdobju enega leta;
an institution's operational risk measurement system shall include the use of internal data, external data, scenario analysis and factors reflecting the business environment and internal control systems as set out in paragraphs 3 to 6.
sistem institucije za merjenje operativnega tveganja vključuje uporabo notranjih podatkov, zunanjih podatkov, analiz scenarijev in dejavnikov, ki odražajo poslovno okolje, ter sisteme notranjih kontrol, kakor je opredeljeno v odstavkih 3 do 6.
An institution shall have in place a well documented approach for weighting the use of these four elements in its overall operational risk measurement system;
Institucija ima vzpostavljen dobro dokumentiran pristop za tehtanje uporabe teh štirih elementov v svojem sistemu za merjenje celotnega operativnega tveganja;
an institution's risk measurement system shall capture the major drivers of risk affecting the shape of the tail of the estimated distribution of losses;
sistem institucije za merjenje tveganja zajema glavne dejavnike tveganja, ki vplivajo na obliko spodnjega dela ocenjene statistične porazdelitve izgub;
an institution may recognise correlations in operational risk losses across individual operational risk estimates only where its systems for measuring correlations are sound, implemented with integrity, and take into account the uncertainty surrounding any such correlation estimates, particularly in periods of stress.
institucija lahko prepozna korelacije pri izgubah zaradi operativnega tveganja po posameznih ocenah operativnega tveganja samo, če so njeni sistemi merjenja korelacij zanesljivi, se izvajajo celovito in upoštevajo negotovost, ki se pojavlja pri vseh takih ocenah korelacij, zlasti v stresnih obdobjih.
An institution shall validate its correlation assumptions using appropriate quantitative and qualitative techniques;
Institucija ovrednoti svoje predpostavke o korelacijah z uporabo ustreznih kvantitativnih in kvalitativnih tehnik;
an institution's risk measurement system shall be internally consistent and shall avoid the multiple counting of qualitative assessments or risk mitigation techniques recognised in other areas of this Regulation.
sistem institucije za merjenje tveganja je notranje dosleden in se izogiba večkratnemu štetju kvalitativnih ocen ali tehnikam zmanjševanja tveganja, priznanih v drugih delih te uredbe.
The standards relating to internal data are the following:
Standardi v zvezi z notranjimi podatki so naslednji:
an institution shall base its internally generated operational risk measures on a minimum historical observation period of five years.
institucija kot podlago za svoje notranje generirane mer operativnega tveganja uporabi najmanj petletno preteklo obdobje opazovanja.
When an institution first moves to an Advanced Measurement Approach, it may use a three-year historical observation period;
Ko institucija prvič preide na pristop AMA, lahko uporabi triletno preteklo obdobje opazovanja;
an institution shall be able to map their historical internal loss data into the business lines defined in Article 317 and into the event types defined in Article 324, and to provide these data to competent authorities upon request.
institucija je sposobna razporediti svoje pretekle notranje podatke o izgubi po poslovnih področjih, opredeljenih v členu 317, in po vrstah dogodkov, opredeljenih v členu 324, ter te podatke na zahtevo zagotovijo pristojnim organom.
In exceptional circumstances, an institution may allocate loss events which affect the entire institution to an additional business line "corporate items".
V izjemnih okoliščinah lahko institucija škodne dogodke, ki vplivajo na celotno institucijo, razporedi v dodatno poslovno področje "korporativne postavke".
An institution shall have in place documented, objective criteria for allocating losses to the specified business lines and event types.
Institucija ima dokumentirana, objektivna merila za razporejanje izgub po določenih poslovnih področjih in vrstah dogodkov.
An institution shall record the operational risk losses that are related to credit risk and that the institution has historically included in the internal credit risk databases in the operational risk databases and shall identify them separately.
Institucija evidentira izgube iz naslova operativnega tveganja, ki so povezane s kreditnim tveganjem in so bile v instituciji v preteklosti vključene v notranje baze podatkov o kreditnem tveganju, v baze podatkov o operativnem tveganju in jih ločeno označi.
Such losses shall not be subject to the operational risk charge, provided that the institution is required to continue to treat them as credit risk for the purposes of calculating own funds requirements.
Takšne izgube niso predmet kapitalske zahteve za operativno tveganje, dokler jih morajo institucije pri izračunu zahtev po lastnih sredstvih še naprej obravnavati kot kreditno tveganje.
An institution shall include operational risk losses that are related to market risks in the scope of the own funds requirement for operational risk;
Institucija vključi izgube iz naslova operativnega tveganja, ki so povezane s tržnimi tveganji, v okvir kapitalske zahteve za operativno tveganje;
an institution's internal loss data shall be comprehensive in that it captures all material activities and exposures from all appropriate sub-systems and geographic locations.
notranji podatki o izgubi institucije so celoviti v smislu, da zajemajo vse pomembne dejavnosti in izpostavljenosti iz vseh ustreznih podsistemov ter geografskih lokacij.
An institution shall be able to justify that any excluded activities or exposures, both individually and in combination, would not have a material impact on the overall risk estimates.
Institucija je sposobna utemeljiti, da katere koli izključene dejavnosti ali izpostavljenosti, tako posamezno kot v kombinaciji, nimajo pomembnega vpliva na ocene celotnega tveganja.
An institution shall define appropriate minimum loss thresholds for internal loss data collection;
Institucija opredeli ustrezne spodnje prage izgub za namen zbiranja notranjih podatkov o izgubi;
aside from information on gross loss amounts, an institution shall collect information about the date of the loss event, any recoveries of gross loss amounts, as well as descriptive information about the drivers or causes of the loss event;
poleg informacij o bruto zneskih izgube institucija zbira informacije o datumu škodnega dogodka, morebitnih povračilih od bruto zneskov izgube, kakor tudi opisne informacije o dejavnikih ali vzrokih škodnega dogodka;
an institution shall have in place specific criteria for assigning loss data arising from a loss event in a centralised function or an activity that spans more than one business line, as well as from related loss events over time;
institucija ima posebna merila za razporejanje podatkov o izgubi, ki izhajajo iz škodnega dogodka v centralizirani dejavnosti ali dejavnosti, ki se razteza čez več kot eno poslovno področje, kakor tudi iz povezanih škodnih dogodkov skozi čas;
an institution shall have in place documented procedures for assessing the on-going relevance of historical loss data, including those situations in which judgement overrides, scaling, or other adjustments may be used, to what extent they may be used and who is authorised to make such decisions.
institucija ima dokumentirane postopke za ocenjevanje stalne relevantnosti podatkov o pretekli izgubi, vključno z okoliščinami, v katerih se lahko podatki spremenijo zaradi strokovne ocene ter uporabijo prilagoditvena merila ali druge prilagoditve, ter v kakšni meri se ta lahko uporabijo in kdo je pooblaščen za sprejemanje takih odločitev.
The qualifying standards relating to external data are the following:
Kvalifikacijski standardi v zvezi z zunanjimi podatki so naslednji:
an institution's operational risk measurement system shall use relevant external data, especially when there is reason to believe that the institution is exposed to infrequent, yet potentially severe, losses.
sistem institucije za merjenje operativnega tveganja uporablja ustrezne zunanje podatke, zlasti če je utemeljeno pričakovati, da je institucija izpostavljena sicer redkim, vendar potencialno hudim izgubam.
An institution shall have a systematic process for determining the situations for which external data shall be used and the methodologies used to incorporate the data in its measurement system;
Institucija ima sistematičen proces za določanje razmer, v katerih se uporabijo zunanji podatki, in metodologije za vključitev podatkov v svoj sistem merjenja;
an institution shall regularly review the conditions and practices for external data and shall document them and subject them to periodic independent review.
institucija redno pregleduje pogoje in prakse v zvezi z uporabo zunanjih podatkov ter jih dokumentira in da v reden neodvisni pregled.
An institution shall use scenario analysis of expert opinion in conjunction with external data to evaluate its exposure to high severity events.
Institucija uporabi analizo scenarijev iz strokovnega mnenja v povezavi z zunanjimi podatki, da ovrednoti svojo izpostavljenost do zelo resnih dogodkov.
Over time, the institution shall validate and reassess such assessments through comparison to actual loss experience to ensure their reasonableness.
Po določenem obdobju institucija ponovno ovrednoti te ocene ter jih ponovno oceni na podlagi primerjave z dejansko izgubo, da zagotovi njihovo smiselnost.
The qualifying standards relating to business environment and internal control factors are the following:
Kvalifikacijski standardi v zvezi z dejavniki poslovnega okolja in notranjih kontrol so naslednji:
an institution's firm-wide risk assessment methodology shall capture key business environment and internal control factors that can change the institutions operational risk profile;
metodologija institucije za merjenje tveganja na najvišji ravni zajame ključne dejavnike poslovnega okolja in notranjih kontrol, ki lahko spremenijo njen profil operativne tveganosti;
an institution shall justify the choice of each factor as a meaningful driver of risk, based on experience and involving the expert judgment of the affected business areas;
institucija upraviči izbiro vsakega dejavnika kot pomembnega nosilca tveganja na podlagi izkušenj in vključitve strokovne ocene vključenih poslovnih področij;
an institution shall be able to justify to competent authorities the sensitivity of risk estimates to changes in the factors and the relative weighting of the various factors.
institucija je pristojnim organom sposobna utemeljiti občutljivost ocen tveganja na spremembe dejavnikov in relativno utež različnih dejavnikov.
In addition to capturing changes in risk due to improvements in risk controls, an institution's risk measurement framework shall also capture potential increases in risk due to greater complexity of activities or increased business volume;
Poleg zajemanja sprememb tveganja zaradi izboljšav nadzorovanja tveganja, okvir institucije za merjenje tveganja zajame tudi potencialna povečanja tveganja zaradi večje zapletenosti dejavnosti ali povečanega obsega poslovanja;
an institution shall document its risk measurement framework and shall subject it to independent review within the institution and by competent authorities.
institucija dokumentira svoj okvir za merjenje tveganja ter ga podvrže neodvisnemu pregledu znotraj institucije in s strani pristojnih organov.
Over time, an institution shall validate and reassess the process and the outcomes through comparison to actual internal loss experience and relevant external data.
Po določenem obdobju institucija ovrednoti proces in njegove rezultate ter oboje ponovno oceni na podlagi primerjave z dejansko notranjo izgubo in relevantnimi zunanjimi podatki.
Impact of insurance and other risk transfer mechanisms
Vpliv zavarovanja in drugih oblik prenosa tveganja
The competent authorities shall permit institutions to recognise the impact of insurance subject to the conditions set out in paragraphs 2 to 5 and other risk transfer mechanisms where the institution can demonstrate that a noticeable risk mitigating effect is achieved.
Pristojni organi institucijam dovolijo, da upoštevajo vpliv zavarovanja v skladu s pogoji, določenimi v odstavkih od 2 do 5, in vpliv drugih oblik prenosa tveganja, kadar lahko institucija dokaže, da se doseže opazen učinek zmanjševanja tveganja.
The insurance provider shall be authorised to provide insurance or re-insurance and shall have a minimum claims paying ability rating by an ECAI which has been determined by EBA to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to institutions under Title II, Chapter 2.
Ponudnik zavarovalnih storitev ima dovoljenje za zagotavljanje zavarovanja ali pozavarovanja in ima za odplačevanje terjatev minimalno bonitetno oceno zunanje bonitetne institucije (v nadaljnjem besedilu: ECAI), za katero je EBA določila, da po pravilih za tehtanje tveganosti izpostavljenosti do institucij v skladu s poglavjem 2 Naslova II ustreza najmanj stopnji kreditne kakovosti 3.
The insurance and the institutions' insurance framework shall meet all the following conditions:
Zavarovanje in zavarovalni okvir institucij izpolnjujeta vse naslednje pogoje:
The methodology for recognising insurance shall capture all the following elements through discounts or haircuts in the amount of insurance recognition:
Metodologija za priznavanje zavarovanja zajame vse naslednje elemente s popusti ali odbitki v znesku priznanega zavarovanja:
the policy's cancellation terms, where less than one year;
pogoje za preklic police, kadar je krajša od enega leta;
The reduction in own funds requirements from the recognition of insurances and other risk transfer mechanisms shall not exceed 20 % of the own funds requirement for operational risk before the recognition of risk mitigation techniques.
Zmanjšanje kapitalskih zahtev, ki izhaja iz priznanja zavarovanj in drugih oblik prenosa tveganja, ne presega 20 % kapitalske zahteve za operativno tveganje pred priznanjem tehnik za zmanjševanje tveganja.
The loss events types referred to in point (b) of Article 322(3) are the following:
Škodni dogodki iz točke (b) člena 322(3) so naslednji:
Losses due to acts of a type intended to defraud, misappropriate property or circumvent regulations, the law or company policy, excluding diversity/discrimination events, which involves at least one internal party
Izgube zaradi vrste dejanj, katerih namen je poneverba, odtujitev lastnine ali izogibanje predpisom, zakonodaji ali politiki podjetja, z izjemo dogodkov razlikovanja/diskriminacije, v katere je vpletena vsaj ena notranja oseba.
Losses due to acts of a type intended to defraud, misappropriate property or circumvent the law, by a third party
Izgube zaradi vrste dejanj, katerih namen je poneverba, odtujitev lastnine ali izogibanje zakonodaji, s strani tretje osebe.
Employment Practices and Workplace Safety
Prakse v zvezi z zaposlovanjem in varnostjo pri delu
Losses arising from acts inconsistent with employment, health or safety laws or agreements, from payment of personal injury claims, or from diversity/discrimination events
Izgube, ki izhajajo iz dejanj, neskladnih z zakoni ali pogodbami, ki urejajo zaposlovanje, zdravje ali varnost, iz plačila odškodninskih zahtevkov v zvezi z osebnimi poškodbami ali iz dogodkov razlikovanja/diskriminacije.
Clients, Products & Business Practices
Stranke, produkti in poslovne prakse
Losses arising from an unintentional or negligent failure to meet a professional obligation to specific clients (including fiduciary and suitability requirements), or from the nature or design of a product
Izgube, ki izhajajo iz nenamernega neizpolnjevanja ali malomarnega izpolnjevanja strokovne obveznosti do določenih strank (vključno z zahtevami glede zaupnosti in ustreznosti poslovanja) ali iz narave ali sestave produkta.
Losses arising from loss or damage to physical assets from natural disaster or other events
Izgube, ki izhajajo iz izgube ali poškodovanja premičnega in nepremičnega premoženja zaradi naravne nesreče in drugih dogodkov.
Losses from failed transaction processing or process management, from relations with trade counterparties and vendors
Izgube, ki izhajajo iz neuspele obdelave poslov ali neuspelega upravljanja procesov, iz odnosov z nasprotnimi trgovskimi strankami in prodajalci.