natgillin/translations-raw huggingface dataset:
the definition of retail deposit in point (2) of Article 411, in particular the appropriateness of introducing a threshold on deposits of natural persons;
opredelitev pojma vlog na drobno iz točke (2) člena 411, zlasti primernost uvedbe praga za vloge fizičnih oseb;
the need to introduce a new retail deposit category with a lower outflow in the light of the specific characteristics of such deposits that could justify a lower outflow rate and taking into account international developments;
potrebo po novih kategorijah vlog na drobno z nižjimi odlivi zaradi specifičnih značilnosti takšnih vlog, ki bi lahko upravičevale nižjo raven odlivov, in ob upoštevanju razvoja dogodkov na mednarodni ravni;
derogations from requirements on the composition of the liquid assets institutions will be required to hold, where in a given currency the institutions' collective justified needs for liquid assets are exceeding the availability of those liquid assets and conditions to which such derogations should be subject;
odstopanja od zahtev glede sestave likvidnih sredstev, ki jih mora imeti institucija, če skupne utemeljene potrebe institucije po likvidnih sredstvih v dani valuti presegajo razpoložljivost teh likvidnih sredstev, ter pogojev, ki veljajo v primeru navedenih odstopanj;
the definition of Shari'ah-compliant financial products as an alternative to assets that would qualify as liquid assets for the purposes of Article 416, for the use of Shari'ah-compliant banks;
opredelitev finančnih produktov, skladnih s šeriatskim pravom, za banke, ki poslujejo v skladu s tem pravom, kot alternativo sredstvom, ki bi se za namene člena 416 štela za likvidna sredstva;
the definition of circumstances of stress, including principles for the use of the stock of liquid assets and the necessary supervisory reactions under which institutions would be able to use their liquid assets to meet liquidity outflows and how to address non-compliance;
opredelitev stresnih razmer, vključno z načeli glede uporabe nabora likvidnih sredstev in potrebnimi nadzornimi odzivi, v skladu s katerimi bi institucije lahko uporabile svoja likvidna sredstva za uravnavanje likvidnostnih odlivov, ter načinov za odpravljanje neskladnosti;
the definition of established operational relationship for non-financial customer as referred to in Article 422(3)(c);
opredelitev vzpostavljenega operativnega odnosa pri nefinančnih strankah iz člena 422(3)(c);
the calibration of the outflow rate applicable to correspondent banking and prime brokerage services as referred to in the first subparagraph of Article 422(4);
umeritev ravni odlivov, ki se uporablja za storitve korespondenčnega bančništva ali posredniške storitve iz prvega pododstavka člena 422(4);
mechanisms for the grandfathering of government guaranteed bonds issued to credit institutions as part of Government support measures with Union State aid approval, such as bonds issued by the National Asset Management Agency (NAMA) in Ireland and by the Spanish Asset Management Company in Spain, designed to remove problem assets from the balance sheets of credit institutions, as assets of extremely high liquidity and credit quality until at least December 2023.
mehanizme uporabe prehodnih pravil za obveznice z državnim jamstvom, izdane kreditnim institucijam v okviru ukrepov državne podpore z dovoljenjem za državno pomoč Unije – na primer za obveznice, ki jih je izda irska nacionalna agencija za upravljanje (National Asset Management Agency – NAMA) ali španska družba za upravljanje –, katerih namen je izločitev slabih terjatev iz bilanc stanja kreditnih institucij in se lahko vsaj do decembra 2023 uvrstijo med sredstva z izjemno visoko likvidnostjo in kreditno kakovostjo.
EBA shall, after consulting ESMA and the ECB, by 31 December 2013, report to the Commission on appropriate uniform definitions of high and of extremely high liquidity and credit quality of transferable assets for the purposes of Article 416 and appropriate haircuts for assets that would qualify as liquid assets for the purposes of Article 416, with the exception of assets referred to in points (a), (b) and (c) of Article 416(1).
EBA po posvetovanju z ESMA in ECB do 31. decembra 2013 Komisiji poroča o ustreznih enotnih opredelitvah visoke in izjemno visoke likvidnosti ter kreditne kakovosti prenosljivih sredstev za namene člena 416 in ustreznih odbitkih v zvezi s sredstvi, ki bi se za namene člena 4164 štela za likvidna sredstva, z izjemo sredstev iz točk (a), (b) in (c) člena 416(1).
The European Parliament and the Council shall be given the opportunity to state their views on that report.
Evropski parlament in Svet imata možnost, da izrazita mnenje o tem poročilu.
The report referred to in the first subparagraph shall also consider:
V poročilu iz prvega pododstavka se upoštevajo tudi:
other categories of assets, in particular residential mortgage-backed securities of high liquidity and credit quality;
druge kategorije sredstev, zlasti listinjeni vrednostni papirji na podlagi prvovrstnih hipotekarnih kreditov za stanovanjske nepremičnine, ki so visoke likvidnosti in kreditne kakovosti,
other categories of central bank eligible securities or loans, for example local government bonds and commercial paper; and
druge kategorije vrednostnih papirjev ali kreditov, primernih za centralne banke, npr. obveznice lokalnih ravni držav ali komercialni zapisi ter
other non-central bank eligible but tradable assets, for example equities listed on a recognised exchange, gold, major index linked equity instruments, guaranteed bonds, covered bonds, corporate bonds and funds based on those assets.
druga sredstva, ki niso primerna za centralne banke, se pa z njimi trguje, npr. lastniški instrumenti, ki kotirajo na priznani borzi, zlato, lastniški instrumenti, vezani na glavne borzne indekse, obveznice z jamstvom, krite obveznice, podjetniške obveznice in sredstva, ki temeljijo na navedenih sredstvih.
The report referred to in paragraph 3 shall consider whether, and if, to what extent standby credit facilities referred to in point (e) of Article 416(1) should be included as liquid assets in light of international development and taking into account European specificities, including the way monetary policy is performed in the Union.
V poročilu iz odstavka 3 se preuči, ali in v kakšnem obsegu bi bilo treba rezervne kreditne aranžmaje iz točke (e) člena 416(1) vključiti med likvidna sredstva glede na razvoj dogodkov na mednarodni ravni in ob upoštevanju evropskih posebnosti, vključno z načinom izvajanja monetarne politike v Uniji.
EBA shall in particular test the adequacy of the following criteria and the appropriate levels for such definitions:
EBA preizkusi predvsem primernost naslednjih meril in ustrezne ravni za takšne opredelitve:
minimum trade volume of the assets;
minimalni obseg trgovanja s sredstvi,
minimum outstanding volume of the assets;
minimalni obseg sredstev, s katerimi se trguje,
transparent pricing and post-trade information;
pregledno določanje cen in informacije po trgovanju,
credit quality steps referred to in Part Three, Title II, Chapter 2;
stopnje kreditne kakovosti iz poglavja 2 naslova II dela 3,
proven record of price stability;
dokazila o stabilnosti cen,
average volume traded and average trade size;
povprečni obseg trgovanja in povprečna velikost trgovanja,
maximum bid/ask spread;
maksimalni razpon ponudbe in povpraševanja,
remaining time to maturity;
preostali čas do zapadlosti,
minimum turnover ratio.
minimalni delež prometa.
By 31 January 2014, EBA shall furthermore report on the following:
EBA do 31. januarja 2014 poroča tudi o naslednjem:
uniform definitions of high and extremely high liquidity and credit quality;
enotni opredelitvi visoke in izjemno visoke likvidnosti ter kreditne kakovosti;
the possible unintended consequences of the definition of liquid assets on the conduct of monetary policy operation and the extent to which:
morebitnih nenamernih posledicah opredelitve likvidnih sredstev na izvajanje monetarne politike in v kolikšni meri:
a list of liquid assets that is disconnected from the list of central bank eligible assets may incentivise institutions to submit eligible assets which are not included in the definition of liquid assets in refinancing operations;
lahko seznam likvidnih sredstev, ki ni povezan s seznamom sredstev, primernih za centralne banke, spodbudi institucije, da vključijo primerna sredstva, ki niso zajeta v opredelitvi likvidnih sredstev, v operacije refinanciranja;
regulation of liquidity may disincentivise institutions to lend or borrow on the unsecured money market and whether this may lead to question the targeting of EONIA in monetary policy implementation;
lahko ureditev likvidnosti institucije odvrne od izposojanja ali posojanja na nezavarovanem denarnem trgu ter ali lahko to privede do pomislekov glede vloge indeksa EONIA pri izvajanju monetarne politike;
Article 510
člen 510
Net Stable Funding Requirements
Zahteve glede neto stabilnega financiranja
By 31 December 2015, EBA shall report to the Commission, on the basis of the items to be reported in accordance with Part Six, Title III, on whether and how it would be appropriate to ensure that institutions use stable sources of funding, including an assessment of the impact on the business and risk profile of institutions established in the Union or on financial markets or the economy and bank lending, with a particular focus on lending to SMEs and on trade financing, including lending under official export credit insurance schemes and pass through financing models, including match funded mortgage lending.
EBA do 31. decembra 2015 na podlagi postavk, ki se sporočijo v skladu z naslovom III dela 6, poroča Komisiji, ali in kako bi bilo primerno zagotoviti, da institucije uporabljajo stabilne vire financiranja, vključno z oceno vpliva na poslovanje in profil tveganosti institucij s sedežem v Uniji ali na finančne trge ali kreditiranja gospodarstva in bank, pri čemer se posebej osredotoči na kredite MSP ter na trgovinsko financiranje, vključno s krediti v okviru uradnih shem za zavarovanje izvoznih kreditov in pretočnimi modeli financiranja (pass through financing models), tudi glede hipotekarnih kreditov, financiranih z izdajo obveznic ujemajočih lastnosti.
In particular EBA shall analyse the impact of stable sources of funding on the refinancing structures of different banking models in the Union.
EBA zlasti preuči učinek stabilnih virov financiranja na strukture refinanciranja v okviru različnih bančnih modelov v Uniji.
By 31 December 2015, EBA shall also report to the Commission, on the basis of the items to be reported in accordance with Part Six, Title III and in accordance with the uniform reporting formats referred to in point (a) of Article 415(3) and after consulting the ESRB, on methodologies for determining the amount of stable funding available to and required by institutions and on appropriate uniform definitions for calculating such a net stable funding requirement, examining in particular the following:
EBA do 31. decembra 2015 na podlagi postavk, ki se sporočijo v skladu z naslovom III dela 6, in skladno z enotnimi predlogami za poročanje iz točke (a) člena 415(3) ter po posvetovanju z ESRB, Komisiji prav tako poroča o metodologijah za določitev zneska stabilnega financiranja, ki je na voljo institucijam in ki ga te potrebujejo, in o ustreznih enotnih opredelitvah za izračun takšne zahteve po neto stabilnem financiranju, pri čemer se preučijo zlasti:
the categories and weightings applied to sources of stable funding in Article 427(1);
kategorije in uteži, ki se uporabljajo za vire stabilnega financiranja v členu 427(1);
the categories and weightings applied to determine the requirement for stable funding in Article 428(1);
kategorije in uteži, ki se uporabljajo za opredelitev zahtevanega stabilnega financiranja v členu 428(1);
methodologies shall provide incentives and disincentives as appropriate to encourage a more stable longer term funding of assets, business activities, investment and funding of institutions;
metodologije, ki bodisi spodbujajo stabilnejše in dolgoročnejše financiranje sredstev, poslovnih dejavnosti, naložb in instituci,j bodisi od njega odvračajo;
the need to develop different methodologies for different types of institutions.
potreba po razvoju različnih metodologij za različne vrste institucij.
By 31 December 2016, the Commission shall, if appropriate, and taking into account the reports referred to in paragraphs 1 and 2, and taking full account of the diversity of the banking sector in the Union, submit a legislative proposal to the European Parliament and the Council on how to ensure that institutions use stable sources of funding.
Komisija do 31. decembra 2016, če je ustrezno, in ob upoštevanju poročil iz odstavkov 1 in 2 ter ob upoštevanju vseh raznolikosti bančnega sektorja v Uniji, Evropskemu parlamentu in Svetu predloži zakonodajni predlog, katerega namen je zagotoviti, da institucije uporabljajo stabilne vire financiranja.
Article 511
člen 511
Based on the results of the report referred to in paragraph 3, the Commission shall submit by 31 December 2016 a report on the impact and effectiveness of the leverage ratio to the European Parliament and the Council.
Komisija na podlagi rezultatov poročila iz odstavka 3 do 31. decembra 2016 predloži poročilo o vplivu in učinkovitosti količnika finančnega vzvoda Evropskemu parlamentu in Svetu.
Where appropriate, the report shall be accompanied by a legislative proposal on the introduction of an appropriate number of levels of the leverage ratio that institutions following different business models would be required to meet, suggesting an adequate calibration for those levels and any appropriate adjustments to the capital measure and the total exposure measure as referred to in Article 429, together with any connected flexibility measures if necessary, including appropriate amendments to Article 458 to introduce the leverage ratio within the scope of measures included in that Article.
Po potrebi se poročilu priloži zakonodajni predlog o uvedbi ustreznega števila stopenj količnika finančnega vzvoda, ki bi ga morale zagotoviti institucije z različnimi poslovnimi modeli, pri čemer predlaga ustrezno umeritev za navedene stopnje in vse ustrezne prilagoditve za mero kapitala in mero celotne izpostavljenosti, kot je opredeljeno v členu 429, skupaj z vsemi povezanimi ukrepi za prilagodljivost, če so potrebni, vključno z ustreznimi spremembami člena 458, s katerimi se v okviru ukrepov iz navedenega člena uvede količnik finančnega vzvoda.
For the purposes of paragraph 1, EBA shall report to the Commission by 31 October 2016 on at least the following:
Za namene odstavka 1 EBA do 31. oktobra 2016 poroča Komisiji vsaj o naslednjem:
whether the leverage ratio framework provided by this Regulation and Articles 87 and 98 of Directive 2013/36/EU is the appropriate tool to suppress the risk of excessive leverage on the part of the institutions in a satisfactory manner and degree;
ali je okvir količnika finančnega vzvoda iz te uredbe ter členov 87 in 98 Direktive 2013/36/EU ustrezen instrument za učinkovito in zadostno odpravljanje tveganja prekomernega finančnega vzvoda na strani institucij;
on identifying business models that reflect the overall risk profiles of the institutions and on introducing differentiated levels of the leverage ratio for those business models;
opredelitvi poslovnih modelov, ki odražajo celotne profile tveganosti institucij, in o uvedbi različnih stopenj količnika finančnega vzvoda za te poslovne modele;
whether the requirements laid out in Articles 76 and 87 of Directive 2013/36/EU in accordance with Articles 73 and 97 of Directive 2013/36/EU for addressing the risk of excessive leverage are sufficient to ensure sound management of this risk by institutions and, if not, which further enhancements are needed in order to ensure these objectives;
ali zahteve iz členov 76 in 87 Direktive 2013/36/EU v skladu s členoma 73 in 97 Direktive 2013/36/EU za obravnavo tveganja prekomernega finančnega vzvoda zadostujejo, da se zagotovi dobro upravljanje tega tveganja s strani institucij in, če ne, katere dodatne izboljšave so potrebne za zagotovitev teh ciljev;
whether – and if so, which - changes to the calculation methodology referred to in Article 429 would be necessary to ensure that the leverage ratio can be used as an appropriate indicator of an institution's risk of excessive leverage;
ali bi bile potrebne – in če da, katere – spremembe metodologije izračuna, obrazložene v členu 429, za zagotovitev, da se količnik finančnega vzvoda lahko uporabi kot ustrezen kazalec tveganja institucije v zvezi s prekomernim finančnim vzvodom;
whether, in the context of the calculation of the total exposure measure of the leverage ratio, the exposure value of contracts listed in Annex II determined by using the Original Exposure Method differs in a material way from the exposure value determined by using the Mark-to-Market Method;
ali se v okviru izračuna mere skupne izpostavljenosti količnika finančnega vzvoda vrednost izpostavljenosti pogodb iz Priloge II, določenih z uporabo metode originalne izpostavljenosti pomembno razlikuje od vrednosti izpostavljenosti, ki se določi po metodi tekoče izpostavljenosti;
whether using either own funds or Common Equity Tier 1 capital as the capital measure of the leverage ratio could be more appropriate for the intended purpose of tracking the risk of excessive leverage and, if so, what would be the appropriate calibration of the leverage ratio;
ali bi bila primernejša uporaba kapitala ali navadnega lastniškega temeljnega kapitala za mero kapitala količnika finančnega vzvoda, da se doseže načrtovani cilj spremljanja tveganja prekomernega finančnega vzvoda in, če da, kakšna bi bila primerna umeritev stopnje finančnega vzvoda;
whether the conversion factor referred to in point (a) of Article 429(10) for undrawn credit facilities, which may be cancelled unconditionally at any time without notice, is appropriately conservative based on the evidence collected during the observation period;
ali je konverzijski faktor iz točke (a) člena 429(10) za prevzetih kreditnih obveznosti, ki se jih lahko kadar koli brezpogojno prekliče brez predhodnega obvestila, ustrezno konzervativno osnovan na dokazih, zbranih v opazovanem obdobju;
whether the frequency and format of the disclosure of items referred to in Article 451 are adequate;
ali sta pogostost in oblika razkritja postavk iz člena 451 ustrezna;
what would be the appropriate level for the leverage ratio for each of the business models indentified in accordance with point (b);
kakšna bi bila ustrezna stopnja količnika finančnega vzvoda za vsakega od poslovnih modelov, opredeljenih v skladu s točko (b);
whether a range for each level of the leverage ratio should be defined;
ali bi bilo treba opredeliti razpon za vsako od stopenj količnika finančnega vzvoda;
whether introducing the leverage ratio as a requirement for institutions would necessitate any changes to the leverage ratio framework provided by this Regulation and, if so, which ones;
ali bi uvedba količnika finančnega vzvoda kot zahteve za institucije zahtevala kakršne koli spremembe okvira količnika finančnega vzvoda, ki ga določa ta uredba, in če da, katere;
whether introducing the leverage ratio as a requirement for institutions would effectively constrain the risk of excessive leverage on the part of those institutions, and, if so, whether the level for the leverage ratio should be the same for all institutions or should be determined according to the risk profile and business model as well as the size of institutions and, with regard to this, which additional calibrations or transition period would be required.
ali bi uvedba količnika finančnega vzvoda kot zahteve za institucije dejansko omejila tveganje prekomernega finančnega vzvoda s strani teh institucij in, če da, ali bi morala biti stopnja količnika finančnega vzvoda enaka za vse institucije ali bi morala biti določena v skladu s profilom tvegaosti in poslovnim modelom ter velikostjo institucije, v zvezi s tem pa tudi, katere dodatne umeritve ali kakšno prehodno obdobje bi bilo potrebno.
The report referred to in paragraph 3 shall cover at least the period from 1 January 2014 until 30 June 2016 and shall take account of at least the following:
Poročilo iz odstavka 3 zajema vsaj obdobje od 1. januarja 2014 do 30. junija 2016 in upošteva vsaj naslednje:
the impact of introducing the leverage ratio, determined in accordance with Article 429, as a requirement that institutions would have to meet on:
učinek uvedbe količnika finančnega vzvoda, določen v skladu s členom 429, kot zahteva, ki bi jo morale institucije izpolniti glede:
financial markets in general and markets for repurchase transactions, derivatives and covered bonds in particular;
finančnih trgov na splošno in trgov za repo posle, izvedenih finančnih instrumentov in predvsem kritih obveznic;
the robustness of institutions;
odpornosti institucij;
business models and balance-sheet structures of institutions; in particular as regards low-risk areas of business, such as promotional credit by public development banks, municipal loans, financing of residential property and other low-risk areas regulated under national law;
poslovnih modelov in bilančnih struktur institucij, zlasti kar zadeva področja poslovanja z nizkim tveganjem, kot so krediti za spodbujanje razvoja, ki jih odobrijo javne razvojne banke, občinska posojila, financiranje stanovanjskih nepremičnin in druga področja z nizko stopnjo tveganja, ki jih ureja nacionalna zakonodaja;
the migration of exposures to entities which are not subject to prudential supervision;
prenosa izpostavljenosti na subjekte, ki niso predmet bonitetnega nadzora;
financial innovation, in particular the development of instruments with embedded leverage;
finančnih inovacij, zlasti razvoja instrumentov z vgrajenim vzvodom;
institutions' risk-taking behaviour;
odnosa institucij do tveganja;
clearing, settlement and custody activities and the operation of a central counterparty;
dejavnosti kliringa, poravnave in skrbništva ter delovanje centralne nasprotne stranke;
cyclicality of the capital measure and the total exposure measure of the leverage ratio;
cikličnosti mere kapitala in mere celotne izpostavljenosti količnika finančnega vzvoda;
bank lending, with a particular focus on lending to SMEs, local authorities, regional governments and public sector entities and on trade financing, including lending under official export credit insurance schemes;
bančnih kreditov, zlasti kreditov MSP, enotam regionalne ali lokalne ravni držav in subjektom javnega sektorja ter na trgovinsko financiranje, vključno s krediti v okviru uradnih shem za zavarovanje kreditov za izvoz;
the interaction of the leverage ratio with the risk-based own funds requirements and the liquidity requirements as specified in this Regulation;
interakcijo količnika finančnega vzvoda s kapitalskimi zahtevami, ki temeljijo na tveganju, ter zahtevami po likvidnosti, kot je določeno v tej uredbi;
the impact of accounting differences between accounting standards applicable under Regulation (EC) No 1606/2002, accounting standards applicable under Directive 86/635/EEC and other applicable accounting framework and other relevant accounting frameworks on the comparability of the leverage ratio.
učinek računovodskih razlik med računovodskimi standardi, ki se uporabljajo na podlagi Uredbe (ES) št. 1606/2002, računovodskimi standardi, ki se uporabljajo na podlagi Direktive 86/635/EGS, in drugimi zadevnimi računovodskimi okviri na primerljivost količnika finančnega vzvoda.
Article 512
člen 512
By 31 December 2014 the Commission shall report to the European Parliament and the Council on the application and effectiveness of the provisions of Part Five in the light of international market developments.
Komisija do 31. decembra 2014 poroča Evropskemu parlamentu in Svetu o uporabi in učinkovitosti določb dela 5 glede na razvoj na mednarodnem trgu.
Article 513
člen 513
Macroprudential rules
Makrobonitetna pravila