natgillin/translations-raw huggingface dataset:
In particular, as regards loans, Article 8(2) of Regulation (EU) No 1071/2013 (ECB/2013/33) requires that they ‘shall be reported at their principal amount outstanding at the end of the month.
Del 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) (sklop 5.1 v tabeli 5a o mesečnih podatkih) zajema zahtevane informacije o olistinjenih posojilih nefinančnim družbam in gospodinjstvom, katerih pripoznanje ni bilo odpravljeno, a ne zahteva njihove razčlenitve po namenu.
Write-offs and write-downs as determined by the relevant accounting practices shall be excluded from this amount. […] loans shall not be netted against any other assets or liabilities’.
Poleg tega Uredba (EU) št. 1071/2013 (ECB/2013/33) ne zajema neporavnanih zneskov drugače prenesenih posojil (tj. ne prek listinjenja), katerih pripoznanje ni odpravljeno.
However, in contrast to the rules laid down in Article 8(2), which also imply that loans are to be reported gross of provisions, Article 8(4) states that ‘NCBs may allow the reporting of provisioned loans net of provisions and the reporting of purchased loans at the price agreed at the time of their acquisition [i.e. their transaction value], provided that such reporting practices are applied by all resident reporting agents’.
Za namene izpolnjevanja obrazca za poročanje se zatorej zahteva pridobivanje ločenih podatkov iz notranjih baz podatkov MFI.
The implications that this deviation from the general BSI guidance has for the completion of the reporting template are reviewed in more detail below.
Za bolj podrobno opredelitev postavk, ki se vključijo v obrazec, glej del 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) in oddelek 2.3 Priročnika za statistiko bilance stanja MFI.
Regulation (EU) No 1071/2013 (ECB/2013/33) should also be used as the reference document as regards the definitions to be applied in the completion of the template.
Stanja rezervacij za primerna posojila (1.3 in 4.3)
See, in particular, Article 1 for general definitions, and Parts 2 and 3 of Annex II for a definition of the instruments to be covered under ‘loans’ and of the sectors of participants respectively [4].
Ti podatki so pomembni samo za tiste institucije, ki za razliko od splošne prakse v zvezi s postavkami bilance stanja posojila poročajo v neto zneskih brez rezervacij.
It is notable that in the BSI framework accrued interest receivable on loans is, as a rule, subject to on-balance sheet recording as it accrues (i.e. on an accrual basis rather when it is actually received), but should be excluded from the data on outstanding amounts of loans.
V primeru institucij, ki vlagajo protiponudbe kot skupina za sodelovanje v ciljno usmerjenih operacijah dolgoročnejšega refinanciranja, se ta zahteva uporablja samo za tiste institucije v skupini, ki posojila evidentirajo v neto zneskih brez rezervacij.
However, capitalised interest should be recorded as part of the outstanding amounts.
Ta postavka vključuje posamične in skupinske popravke za slabitve in izgube iz posojil (pred odpisi in delnimi odpisi).
While much of the data to be reported in the template are already compiled by MFIs in accordance with the requirements of Regulation (EU) No 1071/2013 (ECB/2013/33), some additional information must be compiled from the participants bidding in TLTROs.
Podatki se morajo nanašati na stanja primernih posojil v bilanci stanja, tj. brez olistinjenih ali drugače prenesenih posojil, katerih pripoznanje v bilanci stanja ni bilo odpravljeno.
The methodological framework of BSI statistics, as laid down in the Manual on MFI balance sheet statistics [5], provides all the background information required in order to compile these additional data;
Kot je bilo navedeno zgoraj, se posojila pri statistiki v zvezi s postavkami bilance stanja praviloma poročajo v neporavnanem nominalnem znesku, ustrezne rezervacije pa se razporedijo pod „kapital in rezerve“.
further details are provided below in the definitions of the individual indicators.3.
V teh primerih se ne poročajo nobene ločene informacije o rezervacijah.
General reporting instructions
Istočasno pa se te dodatne informacije morajo poročati v primerih, kadar se posojila poročajo v neto zneskih brez rezervacij, da bi se zbrali v celoti primerljivi podatki za MFI.
Structure of the template
Kjer je praksa, da se stanja posojil poročajo v neto zneskih brezrezervacij, imajo NCB možnost določiti, da poročanje teh informacij ni obvezno.
The template includes an indication of the period to which the data refer and groups the indicators into two blocks:
Vendar bodo v teh primerih izračuni v okviru ciljno usmerjenih operacij dolgoročnejšega refinanciranja temeljili na zneskih neporavnanih posojil v bilanci stanja v neto zneskih brez rezervacij [6].
loans to euro area non-financial corporations and loans to euro area households, excluding loans for house purchase.
Za nekatere dodatne podrobnosti glej sklicevanja na rezervacije v opredelitvi „kapital in rezerve“ iz dela 2 Priloge II k Uredbi (EU) št. 1071/2013 (ECB/2013/33).
The data in all cells highlighted in yellow are calculated automatically from the data entered in the other cells, based on the formulas provided.
Primerno neto posojanje (2)
Data validation is also performed in the template, by verifying the consistency between outstanding amounts and transactions.
Ta polja v obrazcu evidentirajo neto posojanje (transakcije), odobreno v obdobju poročanja.
Data must be reported in terms of thousands of euro.
Podatki se izračunajo samodejno na podlagi številk, poročanih za podpostavke, in sicer „bruto posojanje“ (2.1) minus „odplačila“ (2.2).
Definition of the ‘reporting period’ The reporting period denotes the date range to which the data refer.
Posojila, ki so na novo izpogajana v obdobju poročanja, se poročajo kot „odplačila“ in tudi kot „bruto posojanje“ v času, ko pride do novega pogajanja.
Indicators relating to outstanding amounts must be reported as at the end of the month preceding the start of the reporting period and at the end of the reporting period;
Podatki o prilagoditvah morajo vključevati učinke v zvezi z novimi pogajanji o posojilih.
i.e. for the reporting period 1 May 2013 to 30 April 2014, outstanding amounts must be reported as at 30 April 2013 and 30 April 2014.
Povratne transakcije v obdobju (tj. posojila, ki so bila odobrena in odplačana v obdobju) se načeloma poročajo kot „bruto posojanje“ in tudi kot „odplačila“.
In turn, data on transactions and adjustments must cover all relevant effects that take place during the reporting period.
Vendar je za MFI, ki vlagajo protiponudbe, dopustno tudi, da te posle pri izpolnjevanju obrazca izločijo, kolikor bi to zmanjšalo njihovo breme poročanja.
Reporting in respect of TLTRO groups
V tem primeru morajo podati informacije v polje obrazca „opombe“, podatki o prilagoditvah stanj pa morajo tudi izločiti učinke, ki so povezani s povratnimi posli.
In respect of group participation in the TLTROs, data should be reported, as a rule, on an aggregated basis.
Ta izjema se ne uporablja za posojila, odobrena v obdobju, ki so olistinjena ali drugače prenesena.
However, national central banks (NCBs) have the option of collecting the information on an individual institution basis, if deemed appropriate.
Dolg po kreditnih karticah, posojila revolving in prekoračitve stanja na računih je tudi treba upoštevati.
Transmission of the template
Pri teh instrumentih je treba spremembe stanj zaradi zneskov, ki so bili v obdobjih poročanja uporabljeni ali črpani, uporabiti kot pokazatelj neto posojanja.
The completed reporting template should be transmitted to the relevant NCB as specified in the general rules and in accordance with the official calendar, which also stipulates the reference periods to be covered in each transmission and which data vintages should be used for the completion of the template.
Pozitivni zneski se poročajo kot „bruto posojanje“ (2.1), negativni zneski pa se poročajo (s pozitivnim predznakom) kot „odplačila“ (2.2).
This section provides detailed definitions of the various items to be reported in the template and the numbering used in the template is indicated in brackets.
Bruto posojanje (2.1)
Outstanding amounts of eligible loans (1 and 4)
Ta postavka vključuje tok bruto novih posojil v obdobju poročanja, razen kakršnih koli pridobitev posojil.
The data in these cells are automatically calculated on the basis of the figures reported in respect of the subsequent items, namely ‘Outstanding amounts on the balance sheet’ (1.1 and 4.1), minus ‘Outstanding amounts of loans that are securitised or otherwise transferred but not derecognised from the balance sheet’ (1.2 and 4.2), plus ‘Outstanding provisions against eligible loans’ (1.3 and 4.3).
Odobreni krediti, ki se nanašajo na dolg po kreditnih karticah, posojila revolving in prekoračitve stanj na računih, se prav tako poročajo, kakor je pojasnjeno zgoraj.
The latter sub-term is relevant only in cases where, contrary to the general BSI practice, loans are reported net of provisions.
Zneske, dodane k stanjem stranke v obdobju zaradi, na primer, kapitalizacije obresti (za razliko od obračunanih obresti) in provizij, je tudi treba vključiti.
Outstanding amounts on the balance sheet (1.1 and 4.1)
Odplačila (2.2)
This item comprises outstanding amounts of loans granted to euro area non-financial corporations and households, excluding loans for house purchase.
Ta postavka zajema tok odplačil glavnice v obdobju poročanja, razen tistih, ki se nanašajo na olistinjena ali drugače prenesena posojila, katerih pripoznanje v bilanci stanja ni bilo odpravljeno.
Accrued interest, as opposed to capitalised interest, is excluded from the indicators.
Odplačila v zvezi z dolgom po kreditnih karticah, posojili revolving in prekoračitvami stanj na računih se prav tako poročajo, kakor je pojasnjeno zgoraj.
These cells on the template can be completed with data compiled to meet the requirements of Part 2 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) (Block 2 of Table 1 on monthly stocks).
Plačila obresti v zvezi z obračunanimi obrestmi, ki še niso bile kapitalizirane, odsvojitve posojil in druge prilagoditve stanj (vključno z odpisi in delnimi odpisi) se ne poročajo.
For a more detailed definition of the items to be included in the template, see Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33) and Section 2.1.4 of the Manual on MFI balance sheet statistics.
Ta polja v obrazcu so namenjena poročanju sprememb v stanjih (zmanjšanja (–) in (povečanja (+)), ki nastopijo v obdobju poročanja in niso povezana z neto posojanjem.
Outstanding amounts of loans that are securitised or otherwise transferred but not derecognised from the balance sheet (1.2 and 4.2)
Te spremembe nastanejo pri poslih, kot so listinjenje posojil in drugi prenosi posojil v obdobju poročanja, ter pri drugih prilagoditvah, povezanih s prevrednotenjem zaradi sprememb v deviznih tečajih, odpisi/delnimi odpisi posojil in prerazvrstitvami.
This item comprises the outstanding amounts of loans that are securitised or otherwise transferred but which have not been derecognised from the balance sheet.
Podatki v teh poljih se izračunajo samodejno na podlagi številk, poročanih za podpostavke, in sicer „prodaje in nakupi posojil ter drugi prenosi posojil v obdobju poročanja“ (3.1) plus „druge prilagoditve“ (3.2).
All securitisation activities must be reported, regardless of where the financial vehicle corporations involved are resident.
Prodaje in nakupi posojil ter drugi prenosi posojil v obdobju poročanja (3.1)
Loans provided as collateral to the Eurosystem for monetary policy credit operations in the form of credit claims, which result in a transfer without derecognition from the balance sheet are excluded from this item.
Neto tokovi olistinjenih posojil z učinkom na stanja posojil (3.1A)
Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) (Block 5.1 of Table 5a on monthly data) covers the required information on securitised loans to non-financial corporations and households that have not been derecognised, but does not require the latter to be broken down by purpose.
Ta postavka zajema neto znesek posojil, ki so olistinjena v obdobju poročanja, z učinkom na sporočena stanja posojil, izračunan kot pridobitve minus odsvojitve [7].
In addition, outstanding amounts of loans which have been otherwise transferred (i.e. not through a securitisation) but are not derecognised, are not covered by Regulation (EU) No 1071/2013 (ECB/2013/33).
Prenosi posojil se evidentirajo v nominalnem znesku v času prodaje, v neto zneskih brez odpisov/delnih odpisov.
For the purposes of the completion of the reporting template, separate data extractions from the MFIs' internal databases are thus required.
Ti odpisi/delni odpisi se poročajo, kadar jih je mogoče določiti, v obrazcu pod postavko 3.2B (glej spodaj).
For a more detailed definition of the items to be included in the template, see Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) and Section 2.3 of the Manual on MFI balance sheet statistics.
V primeru MFI, ki poročajo posojila v neto zneskih brez rezervacij, se prenosi evidentirajo po vrednosti iz bilance stanja (tj. nominalni znesek brez stanj rezervacij) [8].
Outstanding provisions against eligible loans (1.3 and 4.3)
Zahteve iz dela 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) (sklop 1.1 tabele 5a o mesečnih podatkih in tabele 5b o četrtletnih podatkih) zajemajo te elemente.
These data are relevant only for those institutions that, contrary to the general BSI practice, report loans net of provisions.
Za podrobnejšo opredelitev postavk, ki se poročajo, glej del 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) in oddelek 2.3 Priročnika za statistiko bilance stanja MFI.
In the case of institutions bidding as a TLTRO group, this requirement only applies to those institutions in the group that record loans net of provisions.
Neto tokovi drugače prenesenih posojil z učinkom na stanja posojil (3.1B)
This item includes individual and collective allowances for impairment and loan losses (before write-offs/write-downs take place).
Ta postavka zajema neto znesek posojil, ki so bila v obdobju odsvojena ali pridobljena s posli, ki niso povezani z dejavnostmi listinjenja, z učinkom na sporočena stanja posojil, izračunan kot pridobitve minus odsvojitve.
The data must refer to outstanding eligible loans on the balance sheet, i.e. excluding loans that are securitised or otherwise transferred which have not been derecognised from the balance sheet.
Prenosi se evidentirajo v nominalnem znesku v času prodaje, v neto zneskih brez odpisov/delnih odpisov.
As stated above, in BSI statistics loans should be reported, as a rule, at the principal outstanding amount, with the corresponding provisions being allocated to ‘Capital and reservesf’.
V primeru MFI, ki posojila poročajo v neto zneskih brez rezervacij, se prenosi evidentirajo po vrednosti iz bilance stanja (tj. nominalni znesek brez stanj rezervacij).
In such cases, no separate information on provisions should be reported.
Zahteve iz dela 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) delno zajemajo te elemente.
For some additional details, see the reference to provisions in the definition of ‘Capital and reserves’ provided in Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33).
Za namene izpolnjevanja obrazca za poročanje v zvezi s ciljno usmerjenimi operacijami dolgoročnejšega refinanciranja se morajo poročati vsi ti učinki.
Eligible net lending (2)
V zvezi s „spremembe v strukturi sektorja MFI“, oddelek 1.6.3.4 Priročnika za statistiko bilance stanja MFI (in povezan oddelek 5.2 Priloge 1.1) vsebuje podroben opis prenosov znotraj skupine in razlikuje med primeri, kjer do prenosov pride med ločenimi institucionalnimi enotami (npr. preden ena ali več teh enot preneha obstajati v združitvi ali prevzemu), in tistimi, ki se zgodijo v trenutku, ko nekatere enote prenehajo obstajati, in ko je zato treba izvesti statistično prerazvrstitev.
These cells of the template record the net lending (transactions) granted during the reporting period.
Za namene izpolnjevanja obrazca za poročanje v zvezi s ciljno usmerjenimi operacijami dolgoročnejšega refinanciranja so učinki v obeh primerih enaki in podatki se poročajo pod postavko 3.1C (in ne pod postavko 3.2C).
The data are automatically calculated on the basis of the figures reported for the sub-items, namely ‘Gross lending’ (2.1) minus ‘Repayments’ (2.2).
Neto tokovi olistinjenih ali drugače prenesenih posojil brez učinka na stanja posojil (3.1C)
Loans which are renegotiated during the reporting period should be reported both as ‘Repayments’ and as ‘Gross lending’ at the time when the renegotiation takes place.
Ta postavka zajema neto znesek posojil, ki so olistinjena ali drugače prenesena v obdobju poročanja in so brez kakršnega koli učinka na sporočena stanja posojil, izračunan kot pridobitve minus odsvojitve.
Adjustment data must include effects relating to loan renegotiation.
Ti odpisi/delni odpisi se poročajo, kadar jih je mogoče določiti, v obrazcu za poročanje pod postavko 3.2B (glej spodaj).
Reversed transactions during the period (i.e. loans granted and repaid during the period) should in principle be reported both as ‘Gross lending’ and as ‘Repayments’.
Neto tokovi, povezani s predložitvijo posojil Eurosistemu kot zavarovanje za kreditne posle denarne politike v obliki bančnih posojil, kar ima za posledico njihov prenos brez odprave pripoznanja v bilanci stanja, so izključeni iz te postavke.
However, it is also permissible for bidding MFIs to exclude these operations when completing the template, to the extent that this would alleviate their reporting burden.
Sklop 2.1 v tabeli 5a o mesečnih podatkih in tabeli 5b o četrtletnih podatkih zajema podatke o neto tokovih olistinjenih ali drugače prenesenih posojil brez kakršnega koli učinka na stanja posojil, toda posojila gospodinjstvom za nakup hiše se ne prikazujejo ločeno in jih je zato treba ločeno pridobiti iz notranjih baz podatkov MFI.
In this case, they should provide information in the ‘Comments’ field of the template and the data on adjustments to the outstanding amounts must also exclude effects relating to these reversed operations.
Poleg tega, kakor je opredeljeno zgoraj, zahteve izključujejo:
This exception does not apply to loans granted during the period which are securitised or otherwise transferred.
posojila, odsvojena drugi domači MFI ali pridobljena od druge domače MFI, vključno s prenosi znotraj skupine zaradi korporativnega prestrukturiranja (npr. ko domača hčerinska MFI prenese nabor posojil na matično MFI);
Credit card debt, revolving loans and overdrafts should also be considered.
prenosi posojil v okviru reorganizacij znotraj skupine zaradi združitev, prevzemov in delitev.
For these instruments, changes in balances owing to amounts used or withdrawn during the reporting periods should be used as proxies for net lending.
Za podrobnejšo opredelitev postavk, ki se vključijo, glej del 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) in oddelek 2.3 Priročnika za statistiko bilance stanja MFI.
Positive amounts should be reported as ‘Gross lending’ (2.1), whereas negative amounts should be reported (with the positive sign) as ‘Repayments’ (2.2).
Druge prilagoditve (3.2)
Gross lending (2.1)
Podatke o drugih prilagoditvah je treba poročati za stanja primernih posojil v bilanci stanja, razen olistinjenih ali drugače prenesenih posojil, katerih pripoznanje ni bilo odpravljeno.
This item comprises the flow of gross new loans in the reporting period, excluding any loan acquisitions.
Prevrednotenja zaradi sprememb v deviznih tečajih (3.2A)
Credit granted that relates to credit card debt, revolving loans and overdrafts should also be reported, as explained above.
Gibanja v deviznih tečajih v razmerju do eura imajo za posledico spremembe v vrednosti posojil, denominiranih v tujih valutah, kadar so izražena v eurih.
Amounts added during the period to customer balances due, for instance, to interest capitalisation (as opposed to interest accruals) and fees, should also be included.
Podatke o teh učinkih bi bilo treba poročati z negativnim (pozitivnim) predznakom, kadar imajo v neto zneskih za posledico zmanjšanje (povečanje) stanj, so pa tudi potrebni za popolno uskladitev med neto posojanjem in spremembami v stanjih.
Repayments (2.2)
Te prilagoditve niso zajete z zahtevami, določenimi v Uredbi (EU) št. 1071/2013 (ECB/2013/33).
This item comprises the flow of repayments of principal during the reporting period, excluding those relating to securitised or otherwise transferred loans which are not derecognised from the balance sheet.
Za namene obrazca za poročanje v zvezi s ciljno usmerjenimi operacijami dolgoročnejšega refinanciranja, če podatki (ali celo ocene) niso že dostopni MFI, se lahko izračunajo v skladu z usmeritvijo, navedeno v oddelku 4.2.2 Priročnika o statistiki bilance stanja MFI.
Repayments relating to credit card debt, revolving loans and overdrafts should also be reported, as explained above.
Predlagani postopek ocenjevanja omejuje obseg izračunavanja na glavne valute in temelji na naslednjih korakih:
Interest payments relating to accrued interest not yet capitalised, loan disposals and other adjustments to the outstanding amounts (including write-offs and write-downs) should not be reported.
stanja primernih posojil ob koncu meseca pred začetkom obdobja in ob koncu obdobja (postavki 1 in 4) se razčlenijo po valuti denominacije s poudarkom na naborih posojil, denominiranih v GBP, USD, CHF in JPY (če ti podatki še niso dostopni, se lahko uporabijo podatki o skupnih stanjih v bilanci stanja, vključno z olistinjenimi ali drugače prenesenimi posojili, katerih pripoznanje ni bilo odpravljeno – postavki 1.1 in 4.1);
Adjustments to the outstanding amounts
vsak nabor posojil se obravnava, kot sledi (v oklepajih so navedene številke upoštevnih enačb v Priročniku za statistiko bilance stanja MFI):
These cells of the template are for reporting changes in outstanding amounts (reductions (–) and increases (+)) occurring during the reporting period which are not related to net lending.
stanja ob koncu meseca pred začetkom obdobja poročanja in ob koncu obdobja se preračunajo v izvorno valuto denominacije z uporabo ustreznih nominalnih deviznih tečajev [10] (enačbi (4.2.2) in (4.2.3));sprememba v stanjih v referenčnem obdobju, denominirana v tuji valuti, se izračuna in preračuna nazaj v eure z uporabo povprečne vrednosti dnevnih deviznih tečajev v obdobju poročanja (enačba (4.2.4));
Such changes arise from operations such as loan securitisations and other loan transfers during the reporting period, and from other adjustments related to revaluations owing to changes in exchange rates, loan write-offs/write-downs and reclassifications.
izračuna se razlika med spremembo v stanjih, preračunano v eure in kot se izračuna v prejšnjem koraku, in spremembo v stanjih v eurih (enačba (4.2.5) z nasprotnim predznakom);
The data in these cells are automatically calculated on the basis of the figures reported under the sub-items, namely ‘Loan sales and purchases and other loan transfers during the reporting period’ (3.1) plus ‘Other adjustments’ (3.2).
končna prilagoditev deviznega tečaja se oceni kot vsota prilagoditev za vsako valuto.
Loan sales and purchases and other loan transfers during the reporting period (3.1)
Za dodatne informacije glej oddelka 1.6.3.5 in 4.2.2 Priročnika za statistiko bilance stanja MFI.
Net flows of securitised loans with an impact on loan stocks (3.1 A)
Odpisi/delni odpisi (3.2B)
This item comprises the net amount of loans that are securitised during the reporting period with an impact on reported loan stocks, calculated as acquisitions minus disposals [7].
V skladu z Uredbo (EU) št. 1071/2013 (ECB/2013/33) „delni odpis“ pomeni neposredno zmanjšanje knjigovodske vrednosti posojila v (statistični) bilanci stanja zaradi oslabitve posojila.
Loan transfers should be recorded at the nominal amount net of write-offs/write-downs at the time of the sale.
Podobno pomeni „odpis“ zmanjšanje celotne knjigovodske vrednosti posojila, zaradi česar se to umakne iz bilance stanja.