natgillin/translations-raw huggingface dataset:
Overall SREP score (following the capital and liquidity adequacy assessment):
Skupni rezultat PNPO ( na podlagi ocene kapitalske ustreznosti in likvidnostne ustreznosti):
This section should contain a summary of the assessments made in the sections below.
Ta oddelek mora vsebovati povzetek ocen iz spodnjih oddelkov.
Capital adequacy assessment
Ocena kapitalske ustreznosti
Within this section please provide:
V tem oddelku navedite:
Within this section please also describe how SREP capital estimates have been derived and how ICAAP capital estimates have been taken into account, if assessed as reliable.
predlog skupne odločitve, vključno z izjavo o likvidnostni ustreznosti na ravni zadevnega subjekta in vsemi potrebnimi nadzornimi ukrepi, kadar je to primerno;
Liquidity Adequacy Assessment
obete za naslednje ocenjevalno obdobje;
a summary of the assessment of the liquidity adequacy;
Glede na čas sprejetja skupne odločitve v zvezi z likvidnostjo mora ta ocena odražati ugotovitve, povzete v poročilu o likvidnosti v okviru PNPO (glej predlogo v Prilogi 5), ali predstavljati posodobljeno oceno.
the proposal for the joint decision, including a statement on the adequacy of liquidity at the respective entity level and any required supervisory measures, where applicable;
( 1 ) Npr. omejitve v zvezi z dividendami.
the outlook for the next assessment period;
A. Analiza poslovnega modela (uresničljivost in vzdržnost)
Depending on the timing of the joint decision on liquidity, this assessment should either mirror the findings summarised in the Liquidity SREP report (see template in Annex 5), or provide an updated assessment.
opis razvoja poslovnega modela, strategije in finančnega položaja v obravnavanem obdobju;
( 1 ) E.g. dividend restrictions.
B. Ureditve notranjega upravljanja
A. Business model analysis (viability and sustainability)
opis razvoja okvira notranjega upravljanja v obravnavanem obdobju;
Score:
ugotovljene pomanjkljivosti;
a description of the evolution of the business model, strategy and financial position within the observed period;
vprašanja glede neskladnosti s CRR in CRD v zvezi z zahtevami glede notranjega upravljanja;
B. Internal governance arrangements
C.1 Kreditno tveganje in tveganje nasprotne stranke
a description of the evolution of the internal governance framework within the observed period;
opis razvoja tveganja v obravnavanem obdobju;
deficiencies identified;
ugotovljene pomanjkljivosti pri kontrolah;
issues of non-compliance with the CRR and the CRD in relation to internal governance requirements;
vprašanja glede neskladnosti s CRR in CRD v zvezi s tveganjem;
actions to be taken by the institution, and, (6) any relevant supervisory measures, including capital and non-capital supervisory measures to address the deficiencies and non-compliance issues.
C.2 Tveganje poravnave/izročitve
C. Risks to solvency
C.3 Tveganje koncentracije med tveganji
C.1 Credit and counterparty risk
C.4 Tržno tveganje
a description of the evolution of the risk in the observed period;
C.5 Obrestno tveganje v netrgovalni knjigi
control deficiencies identified;
C.6 Operativno tveganje
issues of non-compliance with the CRR and the CRD in relation to risk;
C.7 Tveganje prevelikega finančnega vzvoda
C.2 Settlement/delivery risk
D. Tveganja za likvidnost
C.3 Inter-concentration risk
Skupni rezultat glede likvidnostnega tveganja:
C.4 Market risk
opis razvoja likvidnostnega tveganja in tveganja financiranja v obravnavanem obdobju;
C.5 IRRBB
Če bi ocena likvidnostnega tveganja in tveganja financiranja izpostavila pomembna vprašanja v zvezi s tveganjem financiranja, pri katerem bi bila potrebna dodelitev kapitala za zmanjšanje učinkov zaradi večjega stroška financiranja, opišite, kako se to odraža v zahtevah po dodatnem kapitalu, če je to ustrezno.
C.6 Operational risk
E. Sistemsko tveganje
C.7 Risk of excessive leverage
F. Pregled ICAAP
C.8 Other risks material to the institution, as applicable (please specify)
povzetek ugotovitev iz ocene zanesljivosti okvira ICAAP in lastno količinsko opredelitev tveganj institucije ter posledično dodelitev ustreznega notranjega kapitala;
a description of the evolution of other identified risks to solvency in the observed period;
opis razvoja okvira ICAAP v obravnavanem obdobju;
D. Risks to liquidity
vprašanja glede neskladnosti s CRR in CRD v zvezi z ICAAP;
Overall liquidity risk score:
Ta oddelek mora vsebovati tudi izjavo o tem, ali se ocene ICAAP štejejo za zanesljive in ali bi se lahko uporabile pri oceni kapitalske ustreznosti.
a description of the evolution of liquidity and funding risks in the observed period;
G. Učinki razpršenosti med tveganji
Should the assessment of liquidity and funding risks highlight significant issues in relation to funding risk requiring the allocation of capital to mitigate impacts from an increased cost of funding, please describe how it is reflected in the additional own funds requirements, if relevant.
V tem oddelku povzemite rezultate lastnih stresnih testov, ki jih izvedejo institucije, ter njihov vpliv na kapitalsko ustreznost in njihovo uskladitev z nadzorniškimi stresnimi testi, vključno z razlago izračuna kapitalskega blažilnika za stresno testiranje, kadar je to primerno.
E. Systemic risk
H. Rezultati stresnih testov
F. ICAAP review
Druge pomembne informacije
a summary of the findings of the assessment of the reliability of the ICAAP framework and institution’s own quantification of risks and the consequent allocation of appropriate internal capital;
V tem oddelku navedite druge informacije, ki so po mnenju pristojnega organa pomembne za namene ocene tveganja skupine in niso navedene zgoraj.
a description of the evolution of ICAAP framework in the observed period;
Kvantitativni kazalniki, o katerih se dogovorijo konsolidacijski nadzornik in pristojni organi države gostiteljice EGP (v skladu z regulativnimi/izvedbenimi tehničnimi standardi o kolegijih nadzornikov)
issues of non-compliance with the CRR and the CRD in relation to the ICAAP;
Navedite morebitne kvantitativne kazalnike, ki naj bi se izmenjali pri pripravi poročila o skupni oceni tveganja za namene sprejetja skupne odločitve.
The section should also have a statement on whether ICAAP estimates are considered reliable and could serve as an input into the assessment of capital adequacy.
Povzetek rezultatov
G. Inter-risk diversification effects
Skupna sredstva (v milijonih EUR) na referenčni datum:
Taking into account the outcome of the ICAAP assessments and internal capital estimates, and only in case diversification effects are recognised, please provide within this section a description of the impact of diversification effects and define the extent to which benefits from the diversification effects can be taken into account in the determination of capital adequacy.
Elementi PNPO
H. Stress test outcomes
Rezultat
Within this section please summarise the results and their impact on capital adequacy of institutions own stress tests and their reconciliation with supervisory stress tests, including the explanation of how the stress testing buffer was derived, where applicable.
Poslovni model (uresničljivost in vzdržnost)
Other relevant information
Ureditve notranjega upravljanja
Within this section please provide other information deemed relevant by the competent authority for the purposes of the group risk assessment and not provided above.
Tveganja za kapitalsko ustreznost
Quantitative Indicators agreed by the consolidating supervisor and the host EEA competent authorities (pursuant to RTS/ITS on colleges of supervisors)
Kreditno tveganje in tveganje nasprotne stranke
Please list any quantitative indicators agreed to be shared while developing the joint risk assessment report for the purposes of reaching a joint decision.
Tveganje poravnave / izročitve
ANNEX II
Tveganje koncentracije med tveganji
Table 1
Tržno tveganje
Summary of scores
Obrestno tveganje v netrgovalni knjigi
Total assets (mln EUR) at reference date:
Operativno tveganje
SREP elements
Tveganje prevelikega finančnega vzvoda
Score
(Po potrebi) druga tveganja, pomembna za institucijo (navedite)
Business Model (viability and sustainability)
Tveganja za likvidnost
Internal governance arrangements
[glede na rezultate poročila o PNPO v zvezi z likvidnostjo]
Risks to solvency
Ti rezultati bi morali biti skladni z zadevnimi ocenami v okviru skupne odločitve v zvezi z likvidnostjo.
Credit and counterparty risk
Glede na čas sprejetja skupne odločitve v zvezi likvidnostjo mora ta ocena odražati ugotovitve, povzete v poročilu o PNPO v zvezi z likvidnostjo, ali predstavljati posodobljeno oceno.
Settlement / Delivery risk
Skupni rezultat PNPO
Inter-concentration risk
Povzetek ocene kapitalske ustreznosti
Market risk
Skupna kapitalska zahteva/ocena v okviru PNPO (po potrebi vključno z oceno nadzornika) (v mio.
IRRBB
Kapitalske zahteve po stebru 1, če je ustrezno (v mio.
Operational risk
Ocena v okviru ICAAP (v mio.
Risk of excessive leverage
Tveganja za kapitalsko ustreznost (tveganja in kontrole)
Other risks material to the institution, as applicable (please specify)
Učinki razpršenosti med tveganji
Risks to liquidity
Načrtovanje kapitala / kapitalski blažilnik za stresno testiranje na podlagi rezultatov stresnih testov v okviru ICAAP, kadar je primerno
[as per the outcome of the Liquidity SREP report]
Uskladitev stresnih testov v okviru ICAAP z nadzorniškimi stresnimi testi in posledično načrtovanje kapitala / kapitalski blažilnik za stresno testiranje, kadar je primerno
These scores should be consistent with the respective assessments under the liquidity joint decision.
Rezultat glede kapitala v okviru PNPO (predhodni predlog za razpravo o skupni odločitvi)
Depending on the timing of the joint decision on liquidity, this assessment should either mirror the findings summarised in the liquidity SREP report, or provide updated assessment.
Skupna kapital–ska zahteva/ocena
Systemic risk (risk that institution poses to financial system)
Skupna kapitalska zahteva po stebru 1
Overall SREP Score
Ocena glede skupnega kapitala v okviru ICAAP
Table 2
Ocena glede skupnega kapitala v okviru PNPO
Summary of capital adequacy assessment
Ocena kapitalske ustreznosti (kapital je ocenjen kot ustrezen/neustrezen)
Memoranda items
Ustrezna/neustrezna
Overall SREP capital requirement/estimate (including supervisory proxy, where applicable) (in mln EUR)
Dodatna kapi–talska zahteva
Pillar 1 capital requirements, where applicable (in mln EUR)
Vsota komponent ali celostni pristop (izraženo kot znesek ali razmerje ali kombinacija obojega)
ICAAP estimate (in mln EUR)
Pojasnjevalne postavke (vrednosti na referenčni datum)
Risks to solvency (risks and controls)
Skupni kapital (v milijo-nih EUR) na referenčni datum
Risks to liquidity — Funding risk (cost of funding perspective)
Temeljni kapital (v mili-jonih EUR) na referen-čni datum
Inter-risk diversification effects
Navadni lastniški temeljni kapital (v milijo-nih EUR) na referenčni datum
Capital planning / stress test buffer (where applicable)
Skupna tveganju prila-gojena sredstva (v milijonih EUR) na referenčni datum
Capital planning / Stress testing buffer based on the outcomes of ICAAP stress tests, where applicable
Kapitalske zahteve, ki se uporabljajo v matični državi članici v skladu s členom 92 Uredbe (EU) št. 575/2013, ob upoštevanju vseh ukrepov, ki so bili sprejeti ali priznani v skladu s členom 458 navedene uredbe, in prehodnih ureditev iz dela 10 navedene uredbe
Reconciliation of ICAAP stress tests with supervisory stress tests and resulting capital planning / stress testing buffer, where applicable
Raven varovalnega kapitalskega blažilnika, ki ga mora institucija vzdrževati v skladu s členom 129 Direktive 2013/36/EU
SREP capital outcome (preliminary proposal for joint decision discussion)
Raven posamezni instituciji lastnega proticikličnega capital-skega blažilnika, ki ga mora institucija vzdrže-vati v skladu s členom 130 Direktive 2013/36/EU
Overall capital requirement/estimate
Raven blažilnika sistemskih tveganj, ki ga mora institucija vzdrževati v skladu s členom 133 Direktive 2013/36/EU
Total Pillar 1 capital requirement
Raven blažilnika za GSPI ali blažilnika za DSPI, ki ga mora institucija vzdrževati v skladu s členom 128(3) in (4) Direktive 2013/36/EU
Total ICAAP capital estimate
Vse druge bonitetne zahteve, ki veljajo za institucijo, med drugim v skladu s členom 103 Direktive 2013/36/EU, makrobonitetni ukrepi in priporočila EBA in ESRB
Total SREP capital estimate
Poročilo o oceni tveganja skupine v prilogah vključuje vsa poročila o PNPO, ki jih predložijo zadevni pristojni organi.
Capital adequacy assessment (capital is assessed as adequate/inadequate)
Poročilo o oceni tveganja skupine je treba dopolniti s povzetki rezultatov (razpredelnica 1) in oceno kapitalske ustreznosti (razpredelnica 2).
Adequate/Inadequate
Skupina:
Additional own funds requirement
Kategorija skupine:
Sum of components or holistic approach (formulated as an amount or ratio, or combination of both)
Skupna ocena PNPO skupine
Memoranda items (values at reference date)
Ta oddelek mora vsebovati povzetek ocen iz spodnjih oddelkov,
Total own funds (mln EUR) at reference date
povzetek ocene kapitalske ustreznosti;
Tier 1 own funds (mln EUR) at reference date
predlog skupne odločitve, vključno z izjavo o ustreznosti kapitala na ravni skupine in morebitno zahtevano ravn jo kapitala, ki presega zahteve iz poglavja 4 naslova VII Direktive 2013/36/EU (CRD) in Uredbe (EU) št. 575/2013 (CRR);
Common Equity Tier 1 own funds (mln EUR) at reference date
predlog skupne odločitve, vključno z izjavo o likvidnostni ustreznosti na ravni skupine in vsemi potrebnimi nadzornimi ukrepi, kadar je to primerno;
Total risk weighted assets (mln EUR) at reference date
obete za naslednje ocenjevalno obdobje ter (4) opis vseh drugih nadzornih ukrepov za odpravo ugotovljenih pomanjkljivosti, kadar je to primerno.
The own funds requirements applicable in the home Member State in accordance with Article 92 of Regulation (EU) No 575/2013, taking into account any measures adopted or recognised in accordance with Article 458 of that Regulation and the transitional arrangements laid down in Part X of that Regulation
Glede na čas sprejetja skupne odločitve v zvezi z likvidnostjo mora ta ocena odražati ugotovitve, povzete v poročilu o oceni likvidnostnega tveganja skupine (glej predlogo v Prilogi 7), ali predstavljati posodobljeno oceno.
The level of the capital conservation buffer that the institution is required to maintain in accordance with Article 129 of Directive 2013/36/EU
nadzorno oceno uresničljivosti sedanjega poslovnega modela in vzdržnosti strategije ter (3) vse ustrezne nadzorne ukrepe, vključno s kapitalskimi in nekapitalskimi nadzornimi ukrepi.
The level of the institution-specific countercyclical capital buffer to be maintained by the institution in accordance with Article 130 of Directive 2013/36/EU
ukrepe za zmanjšanje tveganja, ki jih mora sprejeti institucija, ter (6) vse ustrezne nadzorne ukrepe, vključno s kapitalskimi in nekapitalskimi nadzornimi ukrepi za odpravo pomanjkljivosti in obravnavo vprašanj glede neskladnosti.
The level of any systemic risk buffer that the institution is required to maintain in accordance with Article 133 of Directive 2013/36/EU
ukrepe za zmanjšanje tveganja, ki jih mora sprejeti institucija, ter (6) vse ustrezne nadzorne ukrepe, vključno s kapitalskimi in nekapitalskimi nadzornimi ukrepi za odpravo pomanjkljivosti in obravnavo vprašanj glede neskladnosti.
The level of any G-SII buffer or O-SII buffer that the institution is required to maintain in accordance with Article 128(3) and (4) of Directive 2013/36/EU
V tem oddelku navedite druge informacije, ki so po mnenju pristojnih organov pomembne za namene ocene tveganja skupine in niso navedene zgoraj (npr. informacije, potrebne za izpolnitev zahtev iz člena 6(5) te izvedbene uredbe).
Any other prudential requirements applicable to the institution, including under Article 103 of Directive 2013/36/EU, macro-prudential measures and recommendations of EBA and ESRB
PRILOGA IV
The Group risk assessment report shall include as annexes all SREP reports submitted by the relevant competent authorities.
Subjekt X/ podskupina X
The group risk assessment report shall be supplemented with summaries of scores (Table 1) and the capital adequacy assessment (Table 2).
Subjekt Y/ podskupina Y
Group:
Konsolidirana skupina
Category of the group:
Subjekt Y/ podskupina Y
Overall SREP assessment of the Group
Konsolidirana skupina
This section should contain a summary of the assessments made in the sections below,
Učinki razpršenosti, vključno z učinki znotraj skupine (-)
a summary of the assessment of the capital adequacy;
Koncentracija znotraj skupine (+)
the proposal for the joint decision, including a statement on the adequacy of own funds at the group level and any required level of own funds in excess of the requirements set out in Chapter Four of Title VII of Directive 2013/36/EU (CRD) and in Regulation (EU) No 575/2013 (CRR);
Ureditve podpore znotraj skupine (-)
Within this section please also describe how SREP capital estimates have been derived and how ICAAP capital estimates have been taken into account, if assessed as reliable.
Rezultat skupne odločitve (na podlagi predhodnega predloga (H); odraža učinek postavk znotraj skupine in rezultate dialoga med pristojnimi organi)
the proposal for the joint decision, including a statement on the adequacy of liquidity at the group level and any required supervisory measures, where applicable;
Kapitalske zahteve, ki se uporabljajo v matični državi članici v skladu s členom 92 Uredbe (EU) št. 575/2013, ob upoštevanju vseh ukrepov, ki so bili sprejeti ali priznani v skladu s členom 458 navedene uredbe, in prehodnih ureditev iz dela 10 navedene uredbe
the outlook for the next assessment period; and, (4) a description of any other supervisory measures to address the deficiencies identified, where applicable.
Raven varovalnega kapitalskega blažilnika, ki ga mora institucija vzdrževati v skladu s členom 129 Direktive 2013/36/EU
Depending on the timing of the joint decision on liquidity, this assessment should either mirror the findings summarised in the Group liquidity risk assessment report (see template in Annex 7), or provide an updated assessment.
Raven posamezni instituciji lastnega proticikličnega kapitalskega blažilnika, ki ga mora institucija vzdrževati v skladu s členom 133 Direktive 2013/36/EU
the supervisory assessment of the viability of the current business model and sustainability of the strategy; and, (3) any relevant supervisory measures, including capital and non-capital supervisory measures.
Raven blažilnika za GSPI ali blažilnika za DSPI, kot sta opredeljena v členu 128(3) in (4) Direktive 2013/36/EU, ki ga mora institucija vzdrževati
F. ICAAP review Within this section please provide:
PREDLOGA POROČILA O OCENI LIKVIDNOSTNEGA TVEGANJA
mitigating actions to be taken by the institution; and (6) any relevant supervisory measures, including capital and non-capital supervisory measures to address the deficiencies and non-compliance issues.
Poročilo o oceni likvidnostnega tveganja je dopolnjeno s povzetki rezultatov (razpredelnica 1) in skupno oceno likvidnosti (razpredelnica 2).
Within this section please provide other information deemed relevant by the competent authorities for the purposes of the group risk assessment and not provided above (e.g. information needed to meet requirements of Article 6(5) of this Implementing Regulation.
Skupna ocena likvidnostnega tveganja v PNPO
ANNEX IV
Skupni rezultat glede likvidnostnega tveganja :
GROUP RISK ASSESSMENT REPORT TEMPLATE
Ta oddelek mora vsebovati povzetek posameznih ocen iz spodnjih oddelkov.
Entity X/ Sub-group X
predlog skupne odločitve, vključno z izjavo o likvidnostni ustreznosti na ravni zadevnega subjekta in vsemi nadzornimi ukrepi, kadar je to primerno, za obravnavo pomembnih zadev in bistvenih ugotovitev, ter (3) obete za naslednje ocenjevalno obdobje.
Entity Y / Sub-group Y
A. Ocena likvidnostnega tveganja
Consolidated group
opis razvoja likvidnostnega tveganja v obravnavanem obdobju;
Entity Y/ Sub-group Y
ukrepe za zmanjšanje tveganja, ki jih mora sprejeti institucija, ter (6) vse ustrezne nadzorne ukrepe za odpravo pomanjkljivosti in obravnavo vprašanj glede neskladnosti.
Total Pillar 1 capital requirement Total ICAAP capital estimate
opis razvoja tveganja financiranja v obravnavanem obdobju;
Diversification effects, including intra-group (-)
C. Ocena obvladovanja likvidnostnega tveganja in tveganja financiranja
Intra-group concentration (+)
opis razvoja obvladovanja likvidnostnega tveganja in tveganja financiranja v obravnavanem obdobju;
Intra-group support arrangements (-)
PRILOGA VI
Other intra-group items (+/-)
Elementi likvidnosti v PNPO
Joint decision outcome (based on preliminary proposal (H), reflecting impact of intra-group items, and results of the dialogue between competent authorities)
Likvidnostno tveganje
The own funds requirements applicable in the home Member State in accordance with Article 92 of Regulation (EU) No 575/2013 taking into account any measures adopted or recognised under Article 458 of that Regulation and the transitional arrangements under Part X of that Regulation
Tveganje financiranja
The level of the capital conservation buffer required to be maintained by the institution in accordance with Article 129 of Directive 2013/36/EU
Obvladovanje likvidnostnega tveganja in tveganja financiranja
The level of the systemic risk buffer to be maintained by the institution, if applicable, in accordance with Article 133 of Directive 2013/36/EU
E. Skupni rezultat pri likvidnostnem tveganju
The level of the any G-SII buffer or O-SII buffer, as defined in paragraphs (3) and (4) respectively of Article 128 of Directive 2013/36/EU, to be held by the institution
(v milijonih EUR, razmerje ali opis ukrepov)
ANNEX V
Ocena likvidnostne ustreznosti
LIQUIDITY RISK ASSESSMENT REPORT TEMPLATE
Predlog za skupno odločitev – kvantitativni ukrepi (člena 104 in 105)
Liquidity risk assessment report is supplemented with summary of scores (Table 1) and overall liquidity assessment (Table 2).
Posebne zahteve glede likvidnostnih blažilnikov [določiti v smislu LCR primernih sredstev po tem, ko se bo LCR uvedel kot standard (prej neobvezno)]
Overall Assessment of Liquidity Risk in SREP
Posebne zahteve glede stabilnih virov financiranja [določiti pri opredelitvi količnika neto stabilnega financiranja (NSFR) po tem, ko se bo NSFR uvedel kot standard (prej neobvezno)]
Overall liquidity risk Score :
Druge kvantitativne omejitve/zahteve
This section should contain a summary of the individual assessments below.
Predlog za skupno odločitev — Qualitative measures (kvalitativni ukrepi (člena 104 in 105)
the proposal for the joint decision, including a statement on the adequacy of liquidity at the respective entity level and any supervisory measures, where applicable, to address significant matters and material findings; and, (3) the outlook for the next assessment period.
Dejanski LCR ali kateri koli drug enakovreden nacionalni količnik (dokler se LCR ne uvede v CRR)
A. Assessment of liquidity risk
Dejanski NSFR ali kateri koli drug enakovreden nacionalni količnik (dokler se NSFR ne uvede v CRR)
a description of the evolution of liquidity risk in the observed period;
Zahteva glede likvidnostnega kritja (LCR), če obstaja („steber 1“)
risk mitigating actions to be taken by the institution; and, (6) any relevant supervisory measures to address the deficiencies and non-compliance issues.
Zahteva glede stabilnega financiranja (NSFR), če obstaja („steber 1“)
B. Assessment of funding risk
PRILOGA VII
a description of the evolution of funding risk in the observed period;
PREDLOGA POROČILA O OCENI LIKVIDNOSTNEGA TVEGANJA SKUPINE
C. Assessment of liquidity and funding risk management
Poročilo o oceni likvidnostnega tveganja skupine v prilogah vključuje vsa poročila o oceni likvidnostnega tveganja, ki jih predložijo zadevni pristojni organi.
a description of the evolution of liquidity and funding risk management in the observed period;
Poročilo o oceni tveganja skupine je dopolnjeno s povzetki rezultatov (razpredelnica 1) in oceno likvidnostne ustreznosti (razpredelnica 2).