natgillin/translations-raw huggingface dataset:
Article 77b of Directive 2009/138/EC allows insurance and reinsurance undertakings to apply a matching adjustment to the relevant risk-free interest rate term structure, subject to prior approval by the supervisory authorities where certain conditions are met.
V skladu s členom 77b Direktive 2009/138/ES lahko zavarovalnice in pozavarovalnice uporabijo uskladitveno prilagoditev ustrezne časovne strukture netvegane obrestne mere, kar morajo predhodno odobriti nadzorni organi, če so izpolnjeni določeni pogoji.
Rules are to be established regarding the procedures to be followed for the approval of the application of a matching adjustment.
Določiti je treba pravila v zvezi s postopki za odobritev uporabe uskladitvene prilagoditve.
In order for an application to be considered complete, it should include all relevant information necessary for the assessment and decision by the supervisory authorities.
Da bi se vloga štela za popolno, mora vsebovati vse relevantne informacije, ki so potrebne za oceno in odločitev nadzornih organov.
To provide a harmonised basis for the assessment and decision by supervisory authorities, an application should include evidence demonstrating that each of the conditions set out in Article 77b of Directive 2009/138/EC have been met.
Za zagotovitev usklajene podlage za oceno in odločitev nadzornih organov, bi morala vloga vsebovati dokazila o izpolnjevanju vsakega posameznega pogoja iz člena 77b Direktive 2009/138/ES.
The application for a matching adjustment is a strategic decision for risk management and capital planning purposes.
Vloga za uskladitveno prilagoditev je strateška odločitev za namene obvladovanja tveganja in načrtovanja kapitala.
In addition to Article 77b of Directive 2009/138/EC, that Directive contains other requirements in Article 44, 45 and 77c which apply to all insurance or reinsurance undertakings using a matching adjustment.
Poleg člena 77b vsebuje Direktiva 2009/138/ES v členih 44, 45 in 77c tudi druge zahteve, ki veljajo za vse zavarovalnice ali pozavarovalnice, ki uporabljajo uskladitveno prilagoditev.
An application should therefore include evidence that all of these requirements will be satisfied if approval is granted.
Vloga bi morala zato vsebovati dokazila, da bodo v primeru odobritve vse te zahteve izpolnjene.
The procedures to be followed for the approval of the matching adjustment envisage ongoing communication between the supervisory authorities and insurance and reinsurance undertakings.
V okviru postopkov za odobritev uskladitvene prilagoditve se predpostavlja redna komunikacija med nadzornimi organi ter zavarovalnicami in pozavarovalnicami.
This includes communication before a formal application is submitted to the supervisory authorities and, after an application has been approved, through the supervisory review process.
To vključuje komunikacijo, preden se uradna vloga vloži nadzornemu organu ter po odobritvi vloge med postopkom nadzornega pregleda.
Such ongoing communication is necessary to ensure that supervisory judgements are based on relevant and up-to-date information and evidence.
Takšna redna komunikacija je potrebna za zagotovitev, da nadzorne presoje temeljijo na ustreznih in posodobljenih informacijah ter dokazilih.
To ensure a smooth and efficient process, supervisory authorities should be able to request that insurance and reinsurance undertakings make modifications to an application in order to address areas where the submitted evidence is insufficient to demonstrate compliance with the relevant conditions set by Article 77b of Directive 2009/138/EC, before deciding whether to finally accept or reject the application.
Da se zagotovi nemoten in učinkovit postopek, bi morali imeti nadzorni organi pred odločitvijo o končnem sprejetju oziroma zavrnitvi vloge možnost zahtevati, da zavarovalnice in pozavarovalnice spremenijo vloge na področjih, nakaterih predložena dokazila ne zadoščajo za dokazovanje izpolnjevanja ustreznih pogojev iz člena 77b Direktive 2009/138/ES.
In addition to considering the evidence included within an application, supervisory authorities should also consider other factors that are relevant when reaching a decision as to whether the requirements of Directive 2009/138/EC have been satisfied.
Poleg upoštevanja dokazil, vključenih v vlogo, bi morali nadzorni organi upoštevati tudi druge dejavnike, ki so pomembni pri sprejemanju odločitve o tem, ali so zahteve iz Direktive 2009/138/ES izpolnjene.
Since matching portfolios may be managed on a going concern basis, undertakings that have received approval to use a matching adjustment to value the corresponding liabilities should also be allowed to use that adjustment to value future insurance obligations, to the extent that those obligations and the assets matching them possess the same features as the obligations and assets included in the initial matching portfolio and, consequently, entail the same risks for the undertaking concerned.
Ker se lahko uskladitveni portfelji upravljajo na podlagi načela delujočega podjetja, bi moralo biti (po)zavarovalnicam, ki so pridobile odobritev za uporabo uskladitvene prilagoditve vrednosti ustreznih obveznosti, poleg tega dovoljeno, da to prilagoditev vrednosti uporabijo tudi za vrednotenje prihodnjih zavarovalnih obveznosti, v kolikor imajo te obveznosti in sredstva, ki jim ustrezajo, enake značilnosti kot obveznosti in sredstva, ki so vključena v prvotni uskladitveni portfelj ter posledično za zadevno (po)zavarovalnico predstavljajo enaka tveganja.
Due to interdependencies between different approval applications under Directive 2009/138/EC, when applying for approval of matching adjustment the insurance or reinsurance undertaking should inform the supervisory authority of other applications concerning items in Article 308a(1) of Directive 2009/138/EC, which are currently ongoing or foreseen within the next six months.
Zaradi medsebojnih odvisnosti med različnimi vlogami za odobritev v okviru Direktive 2009/138/ES bi morala zavarovalnica ali pozavarovalnica pri oddaji vloge za odobritev uskladitvene prilagoditve nadzorni organ obvestiti o drugih vlogah v zvezi s postavkami iz člena 308a(1) Direktive 2009/138/ES, ki so trenutno v postopku ali so predvidene v naslednjih šestih mesecih.
The European Insurance and Occupational Pensions Authority has conducted open public consultations on the draft implementing technical standards on which this Regulation is based, analysed the potential related costs and benefits and requested the opinion of the Insurance and Reinsurance Stakeholder Group established in accordance with Article 37 of Regulation (EU) No 1094/2010 of the European Parliament and of the Council [2],
Evropski organ za zavarovanja in poklicne pokojnine je o osnutkih izvedbenih tehničnih standardov, na katerih temelji ta uredba, izvedel odprta javna posvetovanja, analiziral morebitne s tem povezane stroške in koristi ter zaprosil za mnenje interesno skupino za zavarovanja in pozavarovanja, ustanovljeno v skladu s členom 37 Uredbe (EU) št. 1094/2010 Evropskega parlamenta in Sveta [2].
Application to use a matching adjustment
Vloga za uporabo uskladitvene prilagoditve
Insurance and reinsurance undertakings applying to use a matching adjustment shall submit a written application for prior approval to the supervisory authorities.
Zavarovalnice in pozavarovalnice, ki zaprosijo za uporabo uskladitvene prilagoditve, predložijo nadzornim organom pisno vlogo za predhodno odobritev.
The application shall be submitted in one of the official languages of the Member State in which the insurance or reinsurance undertaking has its head office, or in a language previously agreed by the supervisory authority, and shall contain at least the information required by Articles 3 to 6 of this Regulation.
Vloga se vloži v enem od uradnih jezikov države članice, v kateri ima zavarovalnica ali pozavarovalnica svoj sedež, ali v jeziku, ki je bil predhodno dogovorjen z nadzornim organom, in vsebuje vsaj informacije, ki se zahtevajo v skladu s členi 3 do 6 te uredbe.
Insurance and reinsurance undertakings shall ensure that the application includes any other relevant information that they consider may be necessary for the assessment and decision by the supervisory authority.
Zavarovalnice in pozavarovalnice zagotovijo, da vloga vključuje vse druge relevantne informacije, za katere štejejo, da so lahko potrebne za oceno in odločitev nadzornega organa.
The application shall contain documentary evidence of the insurance or reinsurance undertaking's internal decision-making process related to the application.
Vloga vsebuje dokazila o notranjem postopku zavarovalnice ali pozavarovalnice za odločanje, ki se nanaša na vlogo.
Where an application is submitted in respect of more than one portfolio of insurance or reinsurance obligations, the application shall set out the evidence required by Articles 3 to 6 of this Regulation separately for each portfolio that is covered by the application.
Če se vloga vloži za več kot en portfelj zavarovalnih ali pozavarovalnih obveznosti, vsebuje dokazila v skladu s členi 3 do 6 te uredbe ločeno za vsak portfelj, ki ga vloga zajema.
Content of the application relating to the assigned portfolio of assets
Vsebina vloge v zvezi z določenim portfeljem sredstev
In relation to the assigned portfolio of assets required by paragraph 1(a) of Article 77b of Directive 2009/138/EC, the application shall include at least the following:
V zvezi z določenim portfeljem sredstev, zahtevanim v skladu z odstavkom 1(a) člena 77b Direktive 2009/138/ES, vloga vključuje vsaj naslednje:
evidence that the assigned portfolio of assets meets all of the relevant conditions specified in Article 77b(1) of Directive 2009/138/EC;
dokazila, da določeni portfelj sredstev izpolnjuje vse ustrezne pogoje, navedene v členu 77b(1) Direktive 2009/138/ES;
details of the assets within the assigned portfolio, which shall consist of line-by-line asset information together with the procedure used to group such assets by asset class, credit quality and duration for the purposes of determining the fundamental spread referred to in paragraph 1(b) of Article 77c of Directive 2009/138/EC;
podrobnosti glede sredstev v določenem portfelju, ki obsegajo informacije po posameznih vrsticah sredstev, skupaj s postopkom, ki se uporablja za združevanje teh sredstev po razredih sredstev, kreditno kvaliteto in trajanje za namene določitve temeljnega razmika iz odstavka 1(b) člena 77c Direktive 2009/138/ES;
a description of the process used to maintain the assigned portfolio of assets in accordance with paragraph 1(a) of Article 77b of Directive 2009/138/EC, including the process for maintaining the replication of expected cash-flows where these have materially changed.
opis postopka, ki se uporablja za ohranjanje določenega portfelja sredstev v skladu z odstavkom 1(a) člena 77b Direktive 2009/138/ES, vključno s postopkom za ohranjanje replikacije pričakovanih denarnih tokov, kadar so se ti bistveno spremenili.
Content of the application relating to the portfolio of insurance or reinsurance obligations
Vsebina vloge v zvezi s portfeljem zavarovalnih ali pozavarovalnih obveznosti
In relation to the portfolio of insurance or reinsurance obligations to which the matching adjustment is intended to apply, the application shall contain at least the following:
V zvezi s portfeljem zavarovalnih ali pozavarovalnih obveznosti, za katerega se načrtuje uporaba uskladitvene prilagoditve, vloga vsebuje vsaj naslednje:
evidence that the insurance or reinsurance obligations meet all of the criteria specified in points (d), (e), (g) and (j) of paragraph 1 of Article 77b of Directive 2009/138/EC;
dokazila, da zavarovalne ali pozavarovalne obveznosti izpolnjujejo vsa merila, navedena v točkah (d), (e), (g) in (j) odstavka 1 člena 77b Direktive 2009/138/ES;
where mortality risk is present, quantitative evidence that the best estimate of the portfolio of insurance or reinsurance obligations does not increase by more than 5 % under the mortality risk stress specified in Article 52 of the Commission Delegated Regulation (EU) 2015/35 [3].
če je prisotno tveganje umrljivosti, kvantitativne dokaze, da se najboljša ocena portfelja zavarovalnih ali pozavarovalnih obveznosti ne poveča za več kot 5 % ob udaru tveganja umrljivosti iz člena 52 Delegirane uredbe Komisije (EU) 2015/35 [3].
Content of the written application relating to cash-flow matching and portfolio management
Vsebina pisne vloge v zvezi z usklajevanjem denarnih tokov in upravljanjem portfeljev
In relation to the cash-flow matching and management of the eligible portfolio of obligations and the assigned portfolio of assets, the application shall contain at least the following:
V zvezi z usklajevanjem denarnih tokov in upravljanjem upravičenega portfelja obveznosti in določenega portfelja sredstev, vloga vsebuje vsaj naslednje:
quantitative evidence that the criteria of paragraph 1(c) of Article 77b of Directive 2009/138/EC are met, including a quantitative and qualitative assessment of whether any mismatch gives rise to risks which are material in relation to the risks inherent in the insurance business to which the matching adjustment is intended to be applied;
kvantitativna dokazila o izpolnjevanju meril iz odstavka 1(c) člena 77b Direktive 2009/138/ES, vključno s kvantitativno in kvalitativno oceno, ali morebitno neujemanje povzroči bistvena tveganja v primerjavi s tveganji, ki so del zavarovalnega posla, za katerega se načrtuje uporaba uskladitvene prilagoditve;
evidence that adequate processes will be in place to properly identify, organise and manage the portfolio of obligations and assigned portfolio of assets separately from other activities of the undertaking, and to ensure that the assigned assets will not be used to cover losses arising from other activities of the undertaking, in accordance with paragraph 1(b) of Article 77b of Directive 2009/138/EC;
dokazila, da bodo vzpostavljeni ustrezni postopki za primerno opredelitev, organizacijo in upravljanje portfelja obveznosti in določenega portfelja sredstev ločeno od drugih dejavnosti (po)zavarovalnic ter za zagotovitev, da se določena sredstva ne bodo uporabila za kritje izgub iz drugih dejavnosti (po)zavarovalnice, v skladu z odstavkom 1(b) člena 77b Direktive 2009/138/ES;
evidence of how the own funds will be adjusted in accordance with Article 81 of Directive 2009/138/EC to reflect any reduced transferability;
dokazila o tem, kako se bodo lastna sredstva prilagodila v skladu s členom 81 Direktive 2009/138/ES, da se upošteva vsako zmanjšanje prenosljivosti;
evidence of how the Solvency Capital Requirement (SCR) will be adjusted to appropriately reflect any reduced scope for risk diversification.
dokazila o tem, kako se bo prilagodil zahtevani solventnostni kapital, da se ustrezno odraža vsako zmanjšanje možnosti za razpršitev tveganja.
Where relevant this shall include evidence of compliance with Articles 216, 217 and 234 of the Delegated Regulation (EU) 2015/35.
Po potrebi to vključuje dokazila o spoštovanju členov 216, 217 in 234 Delegirane uredbe (EU) 2015/35.
Where insurance and reinsurance undertakings intend to calculate the Solvency Capital Requirement using an internal model but have not been granted the necessary supervisory approval, the evidence required by this paragraph shall be submitted on the basis of the standard formula result as well as the unapproved internal model.
Če zavarovalnice in pozavarovalnice nameravajo izračunati zahtevani solventnostni kapital z uporabo notranjega modela, vendar niso pridobile potrebne nadzorne odobritve, se dokazila, ki se zahtevajo v skladu s tem odstavkom, predložijo na podlagi rezultata, dobljenega s standardno formulo ter neodobrenim notranjim modelom.
Additional content of the written application
Dodatna vsebina pisne vloge
In addition to the information specified in Articles 3 to 4 of this Regulation, the application shall also include the following:
Poleg informacij, navedenih v členih 3 do 4 te uredbe, vloga vsebuje tudi naslednje:
confirmation that the conditions of Article 77b(3) of Directive 2009/138/EC will be met if supervisory approval to apply a matching adjustment is granted;
potrditev, da bodo pogoji iz člena 77b(3) Direktive 2009/138/ES izpolnjeni, če se dodeli nadzorna odobritev za uporabo uskladitvene prilagoditve;
the liquidity plan required under Article 44(2) of Directive 2009/138/EC;
likvidnostni načrt, ki se zahteva v skladu s členom 44(2) Direktive 2009/138/ES;
the assessments required under Article 44(2a)(b) of Directive 2009/138/EC;
oceno, ki se zahteva v skladu s členom 44(2a)(b) Direktive 2009/138/ES;
the assessments required under Article 45(2a) of Directive 2009/138/EC;
oceno, ki se zahteva v skladu s členom 45(2a) Direktive 2009/138/ES;
a detailed explanation and demonstration of the calculation process used to determine the matching adjustment in accordance with the requirements of Article 77c of Directive 2009/138/EC;
podrobno razlago in prikaz postopka izračuna, uporabljenega za določitev uskladitvene prilagoditve v skladu z zahtevami iz člena 77c Direktive 2009/138/ES;
a list of the other applications submitted by the insurance or reinsurance undertaking, or currently foreseen within the next six months, for approval of any of the items of the phasing-in listed in Article 308a(1) of Directive 2009/138/EC.
seznam drugih vlog, ki jih je predložila zavarovalnica ali pozavarovalnica ali ki so trenutno predvidene v naslednjih šestih mesecih za odobritev katere koli izmed postavk postopnega uvajanja iz člena 308(a)(1) Direktive 2009/138/ES.
An application shall be considered complete by the supervisory authority if it contains all of the evidence required by Articles 2 to 5 of this Regulation.
Nadzorni organ šteje, da je vloga popolna, če vsebuje vsa dokazila, zahtevana v skladu s členi 2 do 5 te uredbe.
The supervisory authority shall confirm whether the application is complete within 30 days of the date of receipt of the application.
Nadzorni organ v 30 dneh po prejemu vloge potrdi, ali je vloga popolna.
Where the supervisory authority determines that the application is not complete, it shall immediately inform the insurance or reinsurance undertaking that the approval period has not begun and specify why the application is not considered to be complete.
Če nadzorni organ odloči, da vloga ni popolna, takoj obvesti zavarovalnico ali pozavarovalnico, da se obdobje odobritve ni začelo ter navede razloge, zakaj se vloga ne šteje za popolno.
The supervisory authority shall ensure that it decides on an application within six months from the receipt of the complete application.
Nadzorni organ zagotovi, da sprejme odločitev o vlogi v šestih mesecih od prejema popolne vloge.
Where the supervisory authority has confirmed an application to be complete, this shall not prevent that supervisory authority from requesting additional information necessary for carrying out its assessment.
Če nadzorni organ potrdi, da je vloga popolna, mu to ne preprečuje, da bi zahteval dodatne informacije, ki jih potrebuje za izvedbo ocene.
The assessment of the application shall involve ongoing communication with the insurance or reinsurance undertaking and may include requests for adjustments from supervisory authorities to the way the undertaking proposes to apply a matching adjustment.
Nadzorni organi med ocenjevanjem vloge redno komunicirajo z zavarovalnico ali pozavarovalnico ter lahko od nje zahtevajo, da prilagodi predlagani način uporabe uskladitvene prilagoditve.
Where the supervisory authority determines that it could be possible to approve the application of a matching adjustment subject to adjustments being made, it shall, without delay, notify the insurance and reinsurance undertaking in writing of the adjustments required.
Kadar nadzorni organ ugotovi, da bi bilo po prilagoditvi mogoče odobriti uporabo uskladitvene prilagoditve, o potrebnih prilagoditvah nemudoma pisno obvesti zavarovalnico in pozavarovalnico.
The days between the date the supervisory authority requests additional information or adjustments in accordance with paragraphs 6 or 7 and the date the supervisory authority receives such information or adjustments shall not be included within the six-month time period stated in paragraph 5.
Dnevi med datumom, ko nadzorni organ zahteva dodatne informacije ali prilagoditve v skladu z odstavkom 6 ali 7, in datumom, ko nadzorni organ prejme takšne informacije ali prilagoditve, se ne vključijo v šestmesečno obdobje iz odstavka 5.
Insurance and reinsurance undertakings shall ensure that all documentary evidence is made available, including in electronic form whenever possible, to the supervisory authority, throughout the assessment of the application.
Zavarovalnice in pozavarovalnice zagotovijo, da so vsa dokazila na voljo nadzornemu organu v celotnem obdobju ocenjevanja vloge in če je le mogoče, tudi v elektronski obliki.
Where an insurance or reinsurance undertaking informs the supervisory authority of a change to its application this shall be treated as a new application unless:
Če zavarovalnica ali pozavarovalnica obvesti nadzorni organ o spremembi svoje vloge, se to obravnava kot nova vloga, razen če:
the change is due to a request from the supervisory authority for additional information or modifications; or
je sprememba posledica zahteve nadzornega organa po dodatnih informacijah ali spremembah ali
the supervisory authority is satisfied that the change does not significantly affect its assessment of the application.
je nadzorni organ prepričan, da sprememba ne bi znatno vplivala na oceno vloge.
If the insurance or reinsurance undertaking subsequently resubmits the application or submits an updated application, the supervisory authority shall be this as a new application.
Če zavarovalnica ali pozavarovalnica posledično ponovno vloži vlogo ali vloži posodobljeno vlogo, jo nadzorni organ obravnava kot novo vlogo.
The supervisory authority may consider other evidence than that listed in Articles 2-5 of this Regulation, where this evidence is relevant for assessing compliance with the conditions set out in Article 77b(1) and 77c of Directive 2009/138/EC when reaching a decision on the approval of the application.
Nadzorni organ lahko pri odločanju o odobritvi vloge upošteva tudi druga dokazila, ki niso navedena v členih 2 do 5 te uredbe, če so ta dokazila pomembna za oceno izpolnjevanja pogojev iz členov 77b(1) in 77c Direktive 2009/138/ES.
The supervisory authority's decision on the approval of the application shall be communicated in writing in the same language as the application.
Odločitev nadzornega organa o odobritvi vloge se pisno sporoči v istem jeziku, kot je vloga.
Where a single application has been received in respect of more than one portfolio of insurance or reinsurance obligations, the supervisory authority may decide to approve the application in respect of some but not all of the portfolios included in the application.
Če je bila prejeta ena sama vloga za več kot en portfelj zavarovalnih in pozavarovalnih obveznosti, se lahko nadzorni organ odloči, da odobri uporabo le za nekatere portfelje iz vloge.
In that case, the written communication of the decision shall specify to which portfolios of insurance and reinsurance obligations a matching adjustment may be applied.
V tem primeru v pisnem sporočilu o odločitvi navede, za katere portfelje zavarovalnih in pozavarovalnih obveznosti se lahko uporabi uskladitvena prilagoditev.
Where the supervisory authority decides to reject an application, for some or all of the portfolios included within an application, it shall state clearly the reasons for that decision.
Če se nadzorni organ odloči zavrniti uporabo za nekatere ali vse portfelje iz vloge, jasno navede razloge za takšno odločitev.