natgillin/translations-raw huggingface dataset:
Consistency
Primer naraščajoče vloge je vloga z dogovorjeno zapadlostjo štirih let, ki se v prvem letu obrestuje po 5 % stopnji, v drugem po 7 %, v tretjem po 9 % in v četrtem letu po 13 %.
In order to achieve consistency between MFI interest rate statistics on outstanding amounts referring to deposits and to loans and on new business referring to deposits and to loans, NCBs that choose the sampling approach must use the same reporting agents to collect these statistics.
AAR za nove posle, ki je v statistiki obrestnih mer MFI zajeta v času t0, je geometrično povprečje dejavnikov »1 + obrestna mera«.
NCBs may also use the sampling approach for a sub-set of MFI interest rate statistics and a census for the rest.
V skladu s Prilogo I k Uredbi (EU) št. 1072/2013 (ECB/2013/34) lahko NCB od poročevalskih enot za to vrsto produkta zahtevajo izvajanje NDER.
They may not, however, use two or more different samples.
AAR za stanje zadolženosti, ki je zajeta v času od t0 do t3, je obrestna mera, ki jo poročevalska enota uporablja v času izračuna obrestne mere MFI, tj. v primeru vloge z dogovorjeno zapadlostjo štirih let 5 % v času t0, 7 % v času t1, 9 % v času t2 in 13 % v času t3.
Financial innovation
Za namen statistike obrestnih mer MFI imajo posojila kot del kreditnih linij enak pomen, kakor je določen v delu 2 Priloge II k Uredbi (EU) št. 1071/2013 (ECB/2013/33), in se razvrstijo enako kot v delu 2 Priloge II k Uredbi (EU) št. 1071/2013 (ECB/2013/33).
In the sample procedure, NCBs do not need to cover each product that exists at national level.
Samo neporavnani zneski, tj. zneski, ki so v okviru kreditne linije že bili dvignjeni, a še niso bili vrnjeni, se zajamejo kot novi posli in odražajo v statistiki obrestnih mer MFI v skladu z odstavkom 16 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33).
However, they cannot exclude a whole instrument category on the grounds that the amounts involved are very small.
Razpoložljivi zneski na kreditni liniji, ki niso bili dvignjeni ali pa so že bili vrnjeni, se ne upoštevajo, niti kot novi posli niti kot neporavnani zneski.
Hence, if an instrument category is only offered by one institution, then this institution should be included in the sample.
Krovna pogodba stranki omogoča črpanje posojil iz različnih vrst posojilnih računov do določenega najvišjega zneska, ki velja za vse posojilne račune skupaj.
If an instrument category did not exist in a euro area Member State at the time of the initial drawing of the sample, but is introduced by an institution thereafter, this institution should be included in the sample at the time of the next representativity check.
V času sklenitve krovne pogodbe oblika posojila in/ali datum črpanja posojila in/ali obrestna mera niso določeni, lahko pa se doseže dogovor o nizu možnosti.
If a new product is created, the institutions in the sample should cover it in the next report, as all reporting agents are required to report on all their products.
Takšna krovna pogodba ni zajeta v statistiki obrestnih mer MFI.
Section 4:
Vendar pa se takoj po črpanju posojila, dogovorjenega na podlagi krovne pogodbe, to posojilo zajame v pripadajoči postavki statistike obrestnih mer MFI, in sicer med novimi posli in neporavnanimi zneski.
National weighted average interest rates and national total business volumes
Obstajajo lahko hranilne vloge s temeljno obrestno mero, povečano za premijo za zvestobo in/ali za povečanje.
NCBs receive weighted average interest rates and related amounts of business from all their actual resident reporting agents and calculate national weighted average interest rates for each instrument category on the basis of grossed-up business volumes per stratum.
V času vplačila vloge ni gotovo, ali bo premija izplačana ali ne.
The data are reported to the ECB.
Izplačilo je odvisno od neznanega varčevalnega ravnanja gospodinjstva ali nefinančne družbe v prihodnosti.
Where random sampling is applied, the estimator of the interest rate at stratum and national levels must be consistent with the sampling procedure, simple random sample or with the probability proportional to size used, implying that grossed up amounts are used for weighting of interest rates.
Takšne premije za zvestobo ali za povečanje se praviloma ne vključijo v AAR za nove posle.
Where the largest institutions are selected, the estimator of the rates should aggregate rates across institutions in the same stratum by weighting by the reported amounts, and aggregates across strata should be done by applying the grossed-up volumes in each stratum.
AAR za stanje zadolženosti vedno vključuje obrestne mere, ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI.
For each of the instrument categories on outstanding amounts, i.e. indicators 1 to 26 in Appendix 1 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), NCBs provide a national weighted average interest rate.
Zato se ta premija, če poročevalska enota odobri premijo za zvestobo ali za povečanje, odraža v statistiki o stanju zadolženosti.
For each of the instrument categories on new business, i.e. indicators 1 to 23 and 30 to 85 in Appendix 2 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), NCBs provide a national weighted average interest rate.
Gospodinjstvom ali nefinančnim družbam se lahko ponudijo posojila skupaj s pogodbami o izvedenih finančnih instrumentih, tj. poslih obrestne zamenjave, zgornji/spodnji omejitvi obresti itd. Take pogodbe o izvedenih finančnih instrumentih se praviloma ne vključijo v AAR za nove posle.
In addition, for each of indicators 2 to 4, 8 to 11, 13 to 22, 33 to 35 and 37 to 85 in Appendix 2 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), NCBs provide the amount of new business conducted at national level in each instrument category during the reference month.
AAR za stanje zadolženosti vedno vključuje obrestne mere, ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI.
For the instrument categories referring to renegotiated loans to households and non-financial corporations (indicators 88 to 91 in Appendix 2 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), only information on volumes is required, and information on interest rates is collected on a best efforts basis.
Zato se v primeru uveljavitve take pogodbe o izvedenih finančnih instrumentih in če poročevalska enota prilagodi obrestno mero, zaračunano gospodinjstvom ali nefinančnim družbam, to odraža v statistiki o stanju zadolženosti.
These amounts of new business refer to the population total, i.e. to the entire reference reporting population and, similarly to the other new business volumes, this figure is estimated through the grossing-up procedure illustrated in paragraphs 38 to 40.
Lahko se ponudijo vloge, ki obsegajo dva elementa: vloga z dogovorjeno zapadlostjo, za katero se uporablja fiksna obrestna mera, in vgrajeni izvedeni finančni instrument z donosom, ki je vezan na uspešnost določenega borznega indeksa ali dvostranskega menjalnega tečaja, za katerega velja zajamčena minimalna stopnja donosa v višini 0 %.
If random sampling or the selection of the largest institutions is used to select the reporting agents, expansion factors are used for grossing up the business volumes.
Oba elementa imata lahko enako ali različno zapadlost.
Grossing up is applied at stratum level.
AAR za nove posle zajema obrestno mero za vloge z dogovorjeno zapadlostjo, ker odraža dogovor med deponentom in poročevalsko enoto in je znana ob vplačilu denarja.
If the random sampling approach is used, the expansion factors are defined as the inverse of the selection probabilities πi, i.e. 1/πi.
Donos drugega elementa vloge, ki je vezan na uspešnost borznega indeksa ali dvostranskega menjalnega tečaja, je znan šele naknadno ob zapadlosti produkta in zato ne more biti zajet v obrestno mero za nove posle.
The estimated amount of new business for the population total B is then computed by means of the following generic formula:
Zato se zajame samo zajamčena minimalna stopnja donosa (običajno v višini 0 %).
B as the total business volume
AAR za stanje zadolženosti vedno vključuje obrestno mero, ki jo poročevalska enota uporablja v času izračuna obrestnih mer MFI.
as the amount of new business of institution i
Do dneva zapadlosti se zajame obrestna mera za vlogo z dogovorjeno zapadlostjo in zajamčena minimalna stopnja donosa za vloge, ki vsebujejo vgrajeni izvedeni finančni instrument.
as the probability of selecting institution i
Obrestne mere MFI za stanje zadolženosti odražajo AAR, ki jo plača poročevalska enota, šele ob zapadlosti.
If the selection of the largest institution approach is used, the expansion factors for each stratum are defined as the inverse of the stratum coverage ratio by means of the following formula:
Vloge z zapadlostjo nad dvema letoma, kakor so opredeljene v delu 2 Priloge II k Uredbi (EU) št. 1071/2013 (ECB/2013/33), lahko obsegajo račune pokojninskega varčevanja.
as the total volume within stratum j
Glavni del računov pokojninskega varčevanja je lahko naložen v vrednostne papirje, zato je obrestna mera za te račune odvisna od donosa osnovnih vrednostnih papirjev.
as the volume within each stratum j for the institution i
Preostali del računov pokojninskega varčevanja se lahko vodi v gotovini, obrestno mero pa določata kreditna ali druga institucija enako kot za druge vloge.
as the number of credit institutions non-sampled in the stratum j
Ob vplačilu vloge skupni donos računa pokojninskega varčevanja za gospodinjstvo ni znan in je lahko tudi negativen.
as the number of credit institutions sampled in the stratum j.
Poleg tega se ob vplačilu vloge gospodinjstvo in kreditna ali druga institucija dogovorita o obrestni meri samo za depozitni del; to ne velja za del, ki je naložen v vrednostne papirje.
Expansion factors EFj as defined in paragraph 40 in respect of new business are calculated by replacing new business volumes by the related outstanding amounts.
Zato statistika obrestnih mer MFI zajema samo depozitni del, ki ni naložen v vrednostne papirje.
The grossed-up volume of stratum j is then calculated as the expansion factor for stratum j multiplied by the reported volume for stratum j.
AAR za nove posle, ki se poroča, je obrestna mera, o kateri se dogovorita gospodinjstvo in poročevalska enota za depozitni del ob vplačilu vloge.
NCBs provide the MFI interest rates on outstanding amounts and on new business to the ECB to four decimal places.
AAR za stanje zadolženosti je obrestna mera, ki jo poročevalska enota uporablja za depozitni del računa pokojninskega varčevanja v času izračuna obrestne mere MFI.
This is without prejudice to any decisions taken by the NCBs on the level of precision they wish to apply in collecting the data.
Varčevalne sheme za stanovanjska posojila so dolgoročni programi varčevanja, ki lahko imajo nizke donose, a po določenem obdobju varčevanja dajo gospodinjstvom ali nefinančnim družbam pravico do stanovanjskega posojila po znižani obrestni meri.
The published results do not contain more than two decimal places.
V skladu z delom 2 Priloge II k Uredbi (EU) št. 1071/2013 (ECB/2013/33) se te varčevalne sheme razvrstijo med vloge z dogovorjeno zapadlostjo nad dvema letoma, vse dokler se uporabljajo kot vloge.
NCBs document any (changes in) regulatory arrangements affecting MFI interest rate statistics in the methodological notes that are provided with the national data.
Takoj ko se preoblikujejo v posojilo, se razvrstijo kot posojila gospodinjstvom za nakup hiše.
NCBs that choose a sampling approach for the selection of the reporting agents provide an estimate of the sampling error for the initial sample.
Poročevalske enote poročajo kot nove posle iz naslova vlog tiste obrestne mere, ki so bile dogovorjene ob vplačilu začetne vloge.
A new estimate is provided after each maintenance of the sample.
Ustrezni znesek novih poslov je vplačani denarni znesek.
PART 15
Povečanje tega vplačanega zneska v času je zajeto samo s stanjem zadolženosti.
Treatment of specific products for MFI interest rate statistics
Ob preoblikovanju vloge v posojilo se to novo posojilo beleži kot nov posel iz naslova posojanja.
The treatment of the products defined in the following paragraphs should be used as a reference for products with similar characteristics.
Obrestna mera je znižana obrestna mera, ki jo ponuja poročevalska enota.
A step-up (step-down) deposit or loan is a deposit or loan with a fixed maturity to which an interest rate is applied that increases (decreases) from year to year by a pre-fixed number of percentage points.
Ponder predstavlja skupni znesek posojila, ki je odobren gospodinjstvu ali nefinančni družbi.
Step-up (step-down) deposits and loans are instruments with fixed interest rates over the whole maturity.
Sheme PEL trajajo najmanj štiri leta in vsako leto stranka vplača minimalni vnaprej določeni znesek, vendar lahko ta vplačila kadar koli med trajanjem sheme poveča.
The interest rate for the whole maturity of the deposit or loan and the other terms and conditions are agreed in advance at time t0 when the contract is signed.
Poročevalske enote poročajo kot nove posle začetne vloge ob ustanovitvi nove sheme PEL.
An example of a step-up deposit is a deposit with an agreed maturity of four years, which receives 5 % interest in the first year, 7 % in the second, 9 % in the third and 13 % in the fourth.
Denarni znesek, ki se v začetku vplača v okviru sheme PEL, je lahko zelo nizek, kar pomeni, da bo ponder, uporabljen za obrestno mero za nove posle, prav tako relativno nizek.
The AAR on new business, which is covered at time t0 in MFI interest rate statistics, is the geometric average of the factors ‘1 + interest rate’.
Ta pristop zagotavlja, da obrestna mera za nove posle vedno odraža pogoje, ki urejajo obstoječo generacijo shem PEL.
In line with Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), NCBs may request reporting agents to implement the NDER for this type of product.
Spremembe v obrestnih merah, uporabljenih za nove sheme PEL, se odražajo v obrestnih merah za nove posle.
The AAR on outstanding amounts that is covered from time t0 to t3 is the rate applied by the reporting agent at the time of calculation of the MFI interest rate, i.e., using the example of a deposit with an agreed maturity of four years, 5 % at time t0, 7 % at time t1, 9 % at time t2 and 13 % at time t3.
Odziv potrošnikov v smislu preusmeritve portfelja z drugih dolgoročnih vlog v že obstoječe sheme PEL se ne odraža v obrestnih merah za nove posle, temveč samo v obrestnih merah za stanje zadolženosti.
For the purpose of MFI interest rate statistics, loans taken as part of lines of credit have the same meaning as defined in and are classified as in Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33).
Ob koncu štiriletnega obdobja lahko stranka bodisi zaprosi za posojilo po znižani obrestni meri bodisi obnovi pogodbo.
Only outstanding amounts, i.e. amounts withdrawn and not yet repaid in the context of a credit line are covered as new business and reflected in the MFI interest rate statistics in accordance with paragraph 16 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33).
Ker se ta obnovitev sheme PEL opravi samodejno brez kakršnega koli aktivnega sodelovanja stranke in ker pogodbeni pogoji, vključno z obrestnimi merami, niso predmet novih pogajanj, se v skladu z delom 2 Priloge I k Uredbi (EU) št. 1072/2013 (ECB/2013/34) ta obnovitev ne šteje za novi posel.
Amounts available through a line of credit that have not been withdrawn or have already been repaid are not considered, whether as new business or as outstanding amounts.
Ob obnovitvi pogodbe sme stranka vplačati dodatne vloge pod pogojem, da stanje zadolženosti ne presega določene zgornje meje in da pogodba ne presega določenega največjega števila let zapadlosti.
An umbrella contract allows the customer to draw loans on several types of loan accounts up to a certain maximum amount applying to all loan accounts together.
Če je zgornja meja ali najdaljša zapadlost dosežena, se pogodba zamrzne.
At the time of the agreement on an umbrella contract, the form the loan will take and/or the date on which the loan will be drawn and/or the interest rate are not specified, but a range of possibilities may be agreed.
Gospodinjstvo ali nefinančna družba obdrži pravico do najetja posojila in še vedno prejema obresti v skladu s pogoji, ki so veljali v času odprtja sheme PEL, vse dokler se denar vodi pri banki.
Such an umbrella contract is not covered by MFI interest rate statistics.
Vlada podeljuje subvencijo v smislu plačila dodatnih obresti poleg obrestne mere, ki jo ponuja kreditna ali druga institucija.
However, as soon as a loan agreed under an umbrella contract is drawn, it is covered under the corresponding item in MFI interest rate statistics, both in new business and outstanding amounts.
V skladu z delom 1 Priloge I k Uredbi (EU) št. 1072/2013 (ECB/2013/34) se v statistiki obrestnih mer MFI zajame samo tisti del plačil obresti, ki jih ponuja kreditna ali druga institucija.
Savings deposits with a basic interest rate plus a fidelity and/or growth premium may exist.
Vladna subvencija, ki se plačuje prek kreditne ali druge institucije, a ne s strani kreditne ali druge institucije, se ne upošteva.
As a convention, such fidelity or growth premiums are not included in the AAR on new business.
Statistika plačil
The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time of calculation of MFI interest rates.
Poleg kazalnikov, določenih v Uredbi (EU) št. 1409/2013 (ECB/2013/43) in kot je navedeno v členu 18(1) te smernice, NCB poročajo dodatne informacije, ki se zahtevajo v tabelah 1 do 7.
Hence, if such a fidelity or growth premium is granted by the reporting agent, this is reflected in the statistics on outstanding amounts.
Za te informacije veljajo enaki roki, kot so določeni za kazalnike iz Uredbe.
Loans may be offered to households or non-financial corporations with associated derivative contracts, i.e. an interest rate swap/cap/floor etc.
Za kazalnike, ki v Uredbi niso opredeljeni, je opredelitev vključena v ustrezno tabelo.
As a convention, such associated derivative contracts are not included in the AAR on new business.
Informacije, ki se zahtevajo v tabelah Uredbe in te smernice, bi bilo treba poročati ne glede na dejanski obstoj osnovnega pojava in tudi, če zavzamejo vrednost nič.
The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time the MFI interest rates are calculated.
»NC« s statusom opazovanja M se uporabi za prikaz, da pojav ne obstaja.
Hence, if such a derivative contract is exercised and the reporting agent adjusts the interest rate charged to the household or non-financial corporation, this is reflected in the statistics on outstanding amounts.
Za pojasnjevalne postavke, če dejanskih podatkov, ocen ali začasnih podatkov ni mogoče zagotoviti, NCB poročajo NC s statusom opazovanja L.
Deposits may be offered comprising two components: a deposit with an agreed maturity to which a fixed interest rate is applied and an embedded derivative with a return that is linked to the performance of a defined stock exchange index or a bilateral exchange rate, subject to a minimum guaranteed return of 0 %.
Mediji poravnave
The maturity of both components may be the same or may differ.
Konec obdobja, razen če je določeno drugače; vrednost v milijonih EUR
The AAR on new business covers the interest rate for the deposit with agreed maturity, as it reflects the agreement between the depositor and the reporting agent and it is known when the money is placed.
Format
The return on the other component of the deposit, linked to the performance of a stock exchange index or a bilateral exchange rate, is only known ex post when the product matures and therefore cannot be covered by the new business rate.
Frekvenca
Hence, only the guaranteed minimum return (usually 0 %) is covered.
Mediji poravnave, ki jih uporabljajo ne-MFI
The AAR on outstanding amounts always covers the interest rate applied by the reporting agent at the time the MFI interest rates are calculated.
Obveznosti NCB
Until the day of maturity, the rate on the deposit with agreed maturity is captured as well as the guaranteed minimum return on the deposit containing the embedded derivative.
Vloge čez noč, denominirane v eurih
Only at maturity do the MFI interest rates on outstanding amounts reflect the AAR that is paid by the reporting agent.
domačih centralnih držav
Deposits with a maturity of over two years as defined in Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33) may contain pension savings accounts.
centralnih držav drugih držav članic euroobmočja
The main part of the pension savings accounts may be placed in securities and the interest rate on the accounts then depends on the yield of the underlying securities.
tujine, razen bank
The remaining part of the pension savings accounts may be held in cash and the interest rate determined by the credit or other institution in the same way as for other deposits.
Vloge čez noč, denominirane v drugih valutah
At the time when the deposit is placed, the total return to the household from the pension savings account is not known and may also be negative.
Obveznosti drugih MFI
In addition, at the time the deposit is placed, an interest rate is agreed between the household and the credit or other institution which applies only to the deposit part; this does not apply to the part invested in securities.
Mediji poravnave, ki jih uporabljajo kreditne institucije
Hence, only the deposit part that is not invested in securities is covered by MFI interest rate statistics.
Vloge čez noč v eurih pri drugih kreditnih institucijah
The AAR on new business that is reported is the rate agreed between the household and the reporting agent for the deposit part at the time the deposit is placed.
Najemanje posojil čez dan v eurih od centralne banke (povprečje za zadnje obdobje izpolnjevanja obveznih rezerv)
The AAR on outstanding amounts is the rate applied by the reporting agent to the deposit part of the pension savings accounts at the time of calculation of the MFI interest rate.
Mediji poravnave, ki jih uporabljajo ne-MFI – sredstva ali terjatve do sredstev, ki jih lahko ne-MFI uporabljajo za plačila.
Savings plans for housing loans are long-term saving schemes that may provide a low return but, after a certain period of saving, give the household or non-financial corporation the right to a housing loan at a discounted rate.
Vloge čez noč – kakor so opredeljene v »Kategorijah instrumentov« v delu 2 Priloge II k Uredbi (EU) št. 1071/2013 (ECB/2013/33).
In line with Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33), these savings plans are classified under deposits with agreed maturity over two years as long as they are used as a deposit.
Vključeni so vsi računi, ne glede na valuto, v kateri so denominirani; zato so »vloge čez noč, denominirane v drugih valutah« podkategorija kategorije »vloge čez noč«.
As soon as they are transformed into a loan, they are classified as loans to households for house purchases.
Vloge čez noč, denominirane v drugih valutah – vrednost vlog čez noč pri ne-MFI v drugih valutah.
Reporting agents report as new deposit business the interest rate that is agreed at the time the initial deposit is placed.
Mediji poravnave, ki jih uporabljajo kreditne institucije – sredstva ali terjatve do sredstev, ki jih lahko kreditne institucije uporabljajo za plačila.
The corresponding amount of new business is the amount of money that has been placed.
Najemanje posojil čez dan v eurih od centralne banke (povprečje za zadnje obdobje izpolnjevanja obveznih rezerv) – celotna vrednost posojil, ki jih centralna banka odobri kreditnim institucijam in so vrnjena v obdobju, krajšem od enega delovnega dne.
The increase of this amount on the deposit over time is only covered by outstanding amounts.
To je povprečje najvišje dnevne vrednosti istočasnih in dejanskih znotrajdnevnih prekoračitev ali črpanj posojil čez dan v dnevu za vse kreditne institucije skupaj.
At the time when the deposit is transformed into a loan, this new loan is recorded as new lending business.
V povprečju se upoštevajo vsi dnevi v obdobju izpolnjevanja, vključno s konci tednov in prazniki.