natgillin/translations-raw huggingface dataset:
Article 20
prilivi, ki niso prilivi iz členov 33(2), (3) in (4,) ali 75 % odlivov iz točke (a) – odvisno od tega, kaj je nižje – od katerih se odštejejo izvzeti prilivi iz člena 33(2) in (3) in prilivi iz člena 33(4), deljeno z 0,9, da se upošteva učinek zgornje meje v višini 90 %, pri čemer vrednost ne sme biti manjša od nič.
Definition of net liquidity outflows
Likvidnostni prilivi in likvidnostni odlivi se ocenijo v stresnem obdobju, ki traja 30 koledarskih dni, ob predpostavki kombinacije idiosinkratičnega in tržnega stresnega scenarija iz člena 5.
The net liquidity outflows shall be the sum of liquidity outflows in point (a) reduced by the sum of liquidity inflows in point (b), but shall not be less than zero, and shall be calculated as follows:
Izračun iz odstavka 1 se opravi v skladu s formulo iz Priloge II.
the sum of the liquidity outflows as defined in Chapter 2;
Člen 21
the sum of liquidity inflows as defined in Chapter 3, calculated as follows:
Zahteve za ocenjevanje učinka zavarovanja s premoženjem, prejetega v okviru poslov z izvedenimi finančnimi instrumenti
the inflows exempted from the cap as referred to in Article 33(2) and (3);
Kreditne institucije izračunajo likvidnostne odlive in prilive, ki so predvideni v obdobju, ki traja 30 koledarskih dni, za pogodbe iz Priloge II k Uredbi (EU) št. 575/2013 na neto osnovi po posameznih nasprotnih strankah, če obstajajo dvostranske pogodbe o pobotu v skladu s členom 295 navedene uredbe.
the lower of the inflows referred to in Article 33(4) and 90 % of the outflows referred to in (a) reduced by the exempt inflows in Article 33(2) and (3), but not less than zero;
Za namene tega člena se šteje, da neto osnova ne vključuje zavarovanja s premoženjem, ki se prejme, če se šteje za likvidno sredstvo iz naslova II te uredbe.
the lower of the inflows other than those referred to in Article 33(2), (3) and (4) and 75 % of the outflows referred to in (a) reduced by the exempt inflows in Article 33(2) and (3) and the inflows in Article 33(4) divided by 0,9 to allow for the effect of the 90 % cap, but not less than zero.
Denarni odlivi in prilivi, ki izhajajo iz poslov z izvedenimi finančnimi instrumenti v tuji valuti in vključujejo popolno izmenjavo zneskov glavnice, ki se izvede hkrati (ali isti dan), se izračunajo na neto osnovi, tudi če navedeni posli niso zajeti v dvostranski pogodbi o pobotu.
Liquidity inflows and liquidity outflows shall be assessed over a 30 calendar day stress period, under the assumption of a combined idiosyncratic and market-wide stress scenario as referred to in Article 5.
Likvidnostni odlivi
The calculation laid down in paragraph 1 shall be performed in accordance with the formula set out in Annex II.
Člen 22
Article 21
Opredelitev likvidnostnih odlivov
Requirements for assessing the effect of collateral received in derivatives transactions
Likvidnostni odlivi se izračunajo tako, da se neporavnani zneski različnih kategorij ali vrst obveznosti in zunajbilančnih obveznosti pomnožijo s stopnjami, po katerih naj bi se po pričakovanjih iztekle ali črpale, kot je navedeno v tem poglavju.
Credit institutions shall calculate liquidity outflows and inflows expected over a 30 calendar day period for the contracts listed in Annex II of Regulation (EU) No 575/2013 on a net basis by counterparty subject to the existence of bilateral netting agreements in accordance with Article 295 of that Regulation.
Likvidnostni odlivi iz odstavka 1 vključujejo naslednje elemente, ki so vsakič pomnoženi z veljavno stopnjo odliva:
For the purposes of this Article, net basis shall be considered to be net of collateral to be received provided that it qualifies as a liquid asset under Title II of this Regulation.
trenutni neporavnani znesek za stabilne vloge na drobno in druge vloge na drobno v skladu s členi 24, 25 in 26;
Cash outflows and inflows arising from foreign currency derivative transactions that involve a full exchange of principal amounts on a simultaneous basis (or within the same day) shall be calculated on a net basis, even where those transactions are not covered by a bilateral netting agreement.
trenutne neporavnane zneske drugih obveznosti, ki zapadejo, za katere lahko izdajatelj ali ponudnik financiranja zahteva izplačilo ali ki vsebujejo pričakovanje ponudnika, da bo kreditna institucija obveznost poplačala v naslednjih 30 koledarskih dneh, kot je določeno v skladu s členom 27 in 28;
Liquidity outflows
dodatne odlive, določene v skladu s členom 30;
Article 22
najvišji znesek, ki ga je mogoče črpati v naslednjih 30 koledarskih dneh iz nečrpanih odobrenih okvirnih kreditov ali okvirnih likvidnostnih kreditov, določen v skladu s členom 31;
Definition of liquidity outflows
dodatne odlive, ugotovljene v oceni v skladu s členom 23.
Liquidity outflows shall be calculated by multiplying the outstanding balances of various categories or types of liabilities and off-balance sheet commitments by the rates at which they are expected to run off or be drawn down as indicated in this Chapter.
Člen 23
Liquidity outflows referred to in paragraph 1 shall include, in each case multiplied by the applicable outflow rate:
Dodatni likvidnostni odlivi za druge produkte in storitve
the current outstanding amount for stable retail deposits and other retail deposits in accordance with Articles 24, 25 and 26;
Kreditne institucije redno ocenjujejo verjetnost in potencialen obseg likvidnostnih odlivov v 30 koledarskih dneh za produkte ali storitve, ki niso omenjeni v členih 27–31 in ki jih te kreditne institucijo ponujajo ali financirajo ali v zvezi s katerimi bi morebitni kupci menili, da so povezani s temi kreditnimi institucijami.
the current outstanding amounts of other liabilities that become due, can be called for pay-out by the issuer or by the provider of the funding or entail an expectation by the provider of the funding that the credit institution would repay the liability during the next 30 calendar days determined in accordance with Articles 27 and 28;
Navedeni produkti ali storitve med drugim vključujejo likvidnostne odlive, ki so nastali zaradi pogodbenih dogovorov iz člena 429 in Priloge I k Uredbi (EU) št. 575/2013, kot so:
the additional outflows determined in accordance with Article 30;
druge zunajbilančne obveznosti in pogojne obveznosti financiranja, med drugim neodobreni kreditni aranžmaji;
the maximum amount that can be drawn down during the next 30 calendar days from undrawn committed credit and liquidity facilities determined in accordance with Article 31;
nečrpani krediti in kratkoročni krediti velikim institucionalnim nasprotnim strankam;
the additional outflows identified in the assessment in accordance with Article 23.
hipotekarni krediti, ki so bili dogovorjeni, a še niso bili črpani;
Article 23
kreditne kartice;
Additional liquidity outflows for other products and services
prekoračitve;
Credit institutions shall regularly assess the likelihood and potential volume of liquidity outflows during 30 calendar days for products or services which are not referred to in Articles 27 to 31 and which they offer or sponsor or which potential purchasers would consider associated with them.
načrtovani odlivi, povezani z obnovitvijo ali podaljšanjem novih kreditov na drobno ali kreditov velikim institucionalnim strankam;
Those products or services shall include, but not be limited to, the liquidity outflows resulting from any of the contractual arrangements referred to in Article 429 and in Annex I of Regulation (EU) No 575/2013, such as:
načrtovane obveznosti iz naslova izvedenih finančnih instrumentov;
other off-balance sheet and contingent funding obligations, including, but not limited to uncommitted funding facilities,
zunajbilančni produkti, povezani s trgovinskim financiranjem.
undrawn loans and advances to wholesale counterparties;
Odlivi iz odstavka 1 se ocenijo ob predpostavki kombinacije idiosinkratičnih in tržnih stresnih razmer, kot je omenjeno v členu 5.
mortgage loans that have been agreed but not yet drawn down;
Pri tej oceni kreditne institucije zlasti upoštevajo pomembno škodo za ugled, ki bi lahko nastala, če ne bi zagotovile likvidnostne podpore takim produktom ali storitvam.
credit cards;
Kreditne institucije pristojnim organom najmanj enkrat letno poročajo o tistih produktih in storitvah, katerih verjetnost in potencialen obseg likvidnostnih odlivov iz odstavka 1 sta pomembna, pristojni organi pa določijo odlive, ki jih je treba dodeliti.
overdrafts;
Pristojni organi lahko za zunajbilančne produkte, povezane s trgovinskim financiranjem, iz člena 429 in Priloge I k Uredbi (EU) št. 575/2013 uporabijo stopnjo odliva do 5 %.
planned outflows related to renewal or extension of new retail or wholesale loans;
Pristojni organi vsaj enkrat letno EBA poročajo o vrstah produktov ali storitev, za katere so določili odlive na podlagi poročil kreditnih institucij, v poročilu pa pojasnijo metodologijo, ki so jo uporabili za določanje odlivov.
planned derivatives payables;
Člen 24
trade finance off-balance sheet related products.
Odlivi iz stabilnih vlog na drobno
The outflows referred to in paragraph 1 shall be assessed under the assumption of a combined idiosyncratic and market-wide stress as referred to in Article 5.
na transakcijskem računu.
For that assessment, credit institutions shall particularly take into account material reputational damage that could result from not providing liquidity support to such products or services.
Za namene odstavka 1(a) se vloga na drobno šteje za del ustaljenega razmerja, če vlagatelj izpolnjuje vsaj eno od naslednjih meril:
Credit institutions shall report at least once a year to the competent authorities those products and services for which the likelihood and potential volume of the liquidity outflows referred to in paragraph 1 are material and the competent authorities shall determine the outflows to be assigned.
je v aktivnem pogodbenem razmerju s kreditno institucijo, ki traja vsaj 12 mesecev;
The competent authorities may apply an outflow rate of up to 5 % for trade finance off-balance sheet related products as referred to in Article 429 and Annex I of Regulation (EU) No 575/2013.
ima vzpostavljeno posojilno razmerje s kreditno institucijo v zvezi s stanovanjskimi krediti ali drugimi dolgoročnimi krediti;
The competent authorities shall at least once a year report to the EBA the types of products or services for which they have determined outflows on the basis of the reports from credit institutions, and shall include in that report an explanation of the methodology applied to determine the outflows.
ima vsaj en drug aktiven produkt, ki ni kredit, pri kreditni instituciji.
Article 24
Za namene odstavka 1(b) se za vlogo na drobno šteje, da je na transakcijskem računu, če se plače, dohodki ali transakcije redno knjižijo v dobro oziroma v breme na navedenem računu.
Unless the criteria for a higher outflow rate under Article 25(2), (3) or (5) are fulfilled, the amount of retail deposits covered by a deposit guarantee scheme in accordance with Directive 94/19/EC of the European Parliament and of the Council [9] or Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third country shall be considered as stable and multiplied by 5 % where the deposit is either:(a) part of an established relationship making withdrawal highly unlikely;
sistem jamstva za vloge ima razpoložljiva finančna sredstva, kot je določeno v členu 10 Direktive 2014/49/EU, ki se predhodno zbirajo s prispevki članov, ki se plačajo vsaj enkrat letno;
held in a transactional account.
sistem jamstva za vloge ima ustrezne načine za zagotavljanje neposrednega dostopa do dodatnih finančnih sredstev v primeru velikih zahtev po njegovih rezervah, vključno z dostopom do izrednih prispevkov kreditnih institucij, ki so članice, in ustreznih alternativnih dogovorov o financiranju, da se zagotovi kratkoročno financiranje zasebnih ali javnih tretjih oseb;
For the purpose of paragraph 1(a) a retail deposit shall be considered to be part of an established relationship where the depositor meets at least one of the following criteria:
sistem jamstva za vloge zagotavlja obdobje izplačila, ki traja sedem delovnih dni, kot je določeno v členu 8(1) Direktive 2014/49/EU, od datuma uporabe 3-odstotne stopnje odliva.
has an active contractual relationship with the credit institution of at least 12 months duration;
Vse kreditne institucije, povezane s takimi odobrenimi sistemi jamstva za vloge, so upravičene do uporabe 3-odstotne stopnje odliva.
has a borrowing relationship with the credit institution for residential loans or other long term loans;
Komisija zaprosi EBA za mnenje o skladnosti zadevnega sistema jamstva za vloge s pogoji iz odstavkov 4(a), (b) in (c).
has at least one other active product, other than a loan, with the credit institution.
Pristojni organ lahko dovoli kreditnim institucijam, da znesek vloge na drobno, ki je krita s sistemom jamstva za vloge v tretji državi, ki je enakovreden sistemu iz odstavka 1, pomnoži s 3 %, če tretja država dovoli tako obravnavo.
For the purposes of paragraph 1(b) a retail deposit shall be considered as being held in a transactional account where salaries, income or transactions are regularly credited and debited respectively against that account.
Člen 25
By way of derogation from paragraph 1, from 1 January 2019 competent authorities may authorise credit institutions to multiply by 3 % the amount of the stable retail deposits referred to in paragraph 1 covered by a deposit guarantee scheme in accordance with Directive 2014/49/EU up to a maximum level of EUR 100000 as specified in Article 6(1) of that Directive, provided that the Commission has confirmed that the officially recognised deposit guarantee scheme meets all of the following criteria:
Odlivi iz drugih vlog na drobno
the deposit guarantee scheme has available financial means, as referred to in Article 10 of Directive 2014/49/EU, raised ex ante by contributions made by members at least annually;
Kreditne institucije druge vloge na drobno pomnožijo z 10 %, vključno s tistim delom vlog na drobno, ki niso zajete v členu 24, razen če veljajo pogoji iz odstavka 2.
the deposit guarantee scheme has adequate means of ensuring ready access to additional funding in the event of a large call on its reserves, including access to extraordinary contributions from member credit institutions and adequate alternative funding arrangements to obtain short-term funding from public or private third parties;
Za druge vloge na drobno veljajo višje stopnje odlivov, ki jih kreditna institucija določi v skladu z odstavkom 3, če so izpolnjena naslednja merila:
Competent authorities shall only grant the authorisation referred to in paragraph 4 after having obtained prior approval from the Commission.
vloga je vložena pri kreditni instituciji z zgolj spletnim poslovanjem;
Such approval shall be requested by means of a reasoned notification, which shall include evidence that the run-off rates for stable retail deposits would be below 3 % during any stress period experienced consistent with the scenarios referred to in Article 5.
vloga nudi obrestno mero, ki izpolnjuje katerega koli od naslednjih pogojev:
The reasoned notification shall be submitted to the Commission at least three months prior to the date from which authorisation is requested.
obrestna mera bistveno presega povprečno obrestno mero za podobne produkte na drobno;
The Commission shall assess the compliance of the relevant deposit guarantee scheme with the conditions set out in paragraph 4(a), (b) and (c).
njen donos temelji na donosu na tržni indeks ali sklop indeksov;
Where those conditions are fulfilled, the Commission shall approve the competent authority's request to grant authorisation unless there exist overriding grounds for withholding approval having regard to the functioning of the internal market for retail deposits.
njen donos temelji na kateri koli tržni spremenljivki, ki ni spremenljiva obrestna mera;
All credit institutions affiliated to such an approved deposit guarantee scheme shall be entitled to apply the 3 % outflow rate.
vloga je bila prvotno položena kot vezana vloga, ki poteče v 30 koledarskih dneh, ali pa ima v skladu s pogodbenimi dogovori fiksen odpovedni rok, ki je krajši od 30 koledarskih dni, in ni vloga, ki je upravičena do obravnave iz odstavka 4;
The Commission shall seek the opinion of the EBA on the conformity of the relevant deposit guarantee scheme with the conditions set out in paragraph 4(a), (b) and (c).
za kreditno institucijo s sedežem v Uniji je vlagatelj rezident v tretji državi ali pa je vloga denominirana v valuti, ki ni euro, ali nacionalni valuti države članice.
Credit institutions may be authorised by their competent authority to multiply by 3 % the amount of the retail deposits covered by a deposit guarantee scheme in a third country equivalent to the scheme referred to in paragraph 1 if the third country allows this treatment.
Za kreditne institucije ali podružnice v tretjih državah je vlagatelj nerezident v tretji državi ali pa je vloga denominirana v valuti, ki ni nacionalna valuta tretje države.
Article 25
Kreditne institucije uporabljajo višjo stopnjo odliva, ki se določi na naslednje načine:
Outflows from other retail deposits
če vloge na drobno izpolnjujejo merilo iz točke (a) ali dve od meril iz točk (b) do (e) odstavka 2, se uporablja stopnja odliva med 10 % in 15 %;
Credit institutions shall multiply by 10 % other retail deposits, including that part of retail deposits not covered by Article 24, unless the conditions laid down in paragraph 2 apply.
če vloge na drobno izpolnjujejo merila iz točke (a) odstavka 2 in vsaj še eno merilo iz odstavka 2, ali tri ali več meril iz odstavka 2, se uporablja stopnja odliva med 15 % in 20 %.
Other retail deposits shall be subject to higher outflow rates, as determined by the credit institution, in accordance with paragraph 3, where the following conditions are met:
Pristojni organi lahko v posameznih primerih uporabljajo višjo stopnjo odliva, kjer to upravičujejo posebne okoliščine kreditne institucije.
the total deposit balance, including all the client's deposit accounts at that credit institution or group, exceeds EUR 500000;
Kreditne institucije uporabljajo stopnjo odliva iz odstavka 3(b) za vloge na drobno, pri katerih ocena iz odstavka 2 ni bila izvedena ali ni zaključena.
the deposit is an internet only account;
Kreditne institucije lahko iz izračuna odlivov izključijo nekatere jasno opredeljene kategorije vlog na drobno, če kreditna institucija v vsakem primeru za celotno kategorijo teh vlog strogo uporablja naslednje določbe, razen v upravičenih primerih, ko je vlagatelj v stiski:
the deposit offers an interest rate that fulfils any of the following conditions:
za predčasne dvige v 30 koledarskih dneh mora vlagatelj plačati kazen, ki zajema izgubo obresti med datumom dviga in datumom pogodbene zapadlosti, ter materialno kazen, za katero ni nujno, da presega zapadle pripadajoče obresti za čas, ki je pretekel med datumom pologa in datumom dviga.
the rate significantly exceeds the average rate for similar retail products;
Če se del vloge iz prvega pododstavka lahko dvigne, ne da bi nastala taka kazen, se samo ta del obravnava kot vloga na vpogled, preostali saldo pa se obravnava kot vezana vloga, kot je določeno v tem odstavku.
its return is derived from the return on a market index or set of indices;
Stopnja odliva v višini 100 % se uporablja za preklicane vloge s preostalo zapadlostjo, ki traja manj kot 30 koledarskih dni, in če je bilo dogovorjeno izplačilo drugi kreditni instituciji.
its return is derived from any market variable other than a floating interest rate;
Z odstopanjem od odstavkov 1 do 4 in člena 24 kreditna institucija pomnoži vloge na drobno iz tretjih držav z večjim odstotkom stopnje odliva, če tak odstotek določa nacionalna zakonodaja, ki določa zahteve glede likvidnosti, v navedeni tretji državi.
the deposit was originally placed as fixed-term with an expiry date maturing within the 30 calendar day period or the deposit presents a fixed notice period shorter than 30 calendar days, in accordance with contractual arrangements, other than those deposits that qualify for the treatment provided for in paragraph 4;
Člen 26
for credit institutions established in the Union, the depositor is resident in a third country or the deposit is denominated in a currency other than the euro or the domestic currency of a Member State.
Odlivi s soodvisnimi prilivi
For credit institutions or branches in third countries, the depositor is a non-resident in the third country or the deposit is denominated in another currency than the domestic currency of the third country;
Po predhodni odobritvi pristojnega organa lahko kreditne institucije izračunajo likvidnostni odliv brez soodvisnega priliva, če ta izpolnjuje vse naslednje pogoje:
Credit institutions shall apply a higher outflow rate determined as follows:
soodvisni priliv je neposredno povezan z odlivom in se ga ne upošteva pri izračunu likvidnostnih prilivov iz poglavja 3;
where the retail deposits fulfil point (a) of paragraph 2 and at least another criterion referred to in paragraph 2, or three or more criteria of paragraph 2, an outflow rate of between 15 % and 20 % shall be applied.
soodvisni priliv izpolnjuje enega od naslednjih pogojev:
On a case by case basis, competent authorities may apply a higher outflow rate where justified by the specific circumstances of the credit institution.
obvezno nastane pred odlivom;
Credit institutions shall apply the outflow rate referred to in paragraph 3(b) to retail deposits where the assessment referred to paragraph 2 has not been carried out or is not completed.
prejme se v 10 dneh, zanj pa jamči centralna raven države članice.
Credit institutions may exclude from the calculation of outflows certain clearly circumscribed categories of retail deposits as long as in each and every instance the credit institution rigorously applies the following provisions for the whole category of those deposits, unless an exception can be justified on the basis of circumstances of hardship for the depositor:
Člen 27
within 30 calendar days, the depositor is not allowed to withdraw the deposit;
Odlivi iz vlog za operativne namene
for early withdrawals within 30 calendar days, the depositor has to pay a penalty that includes the loss of interest between the date of withdrawal and the contractual maturity date plus a material penalty that does not have to exceed the interest due for the time that elapsed between the date of deposit and the date of withdrawal.
Kreditne institucije s 25 % pomnožijo obveznosti, ki izhajajo iz spodaj opisanih vlog:
If a portion of the deposit referred to in the first subparagraph can be withdrawn without incurring such a penalty, only that portion shall be treated as a demand deposit and the remaining balance shall be treated as a term deposit as referred to in this paragraph.
vlog, ki jih mora vzdrževati vlagatelj, da od institucije pridobi storitve kliringa, skrbništva, upravljanja z denarjem ali druge primerljive storitve v okviru ustaljenega poslovnega odnosa;
An outflow rate of 100 % shall be applied to cancelled deposits with a residual maturity of less than 30 calendar days and where pay-out has been agreed to another credit institution.
vlog, ki jih je treba vzdrževati v okviru sodelovanja pri skupnih nalogah znotraj institucionalne sheme za zaščito vlog, ki izpolnjuje zahteve iz člena 113(7) Uredbe (EU) št. 575/2013 ali znotraj skupine zadružnih kreditnih institucij, ki so stalno povezane z osrednjim organom in izpolnjujejo zahteve člena 113(6) navedene uredbe, ali kot zakonsko ali pogodbeno določeno vlogo druge kreditne institucije, ki je članica iste institucionalne sheme za zaščito vlog ali zadružne mreže, če se navedene vloge ne priznavajo za likvidna sredstva za kreditno institucijo vlagateljico iz odstavka 3 in člena 16;
By derogation from paragraphs 1 to 4 and Article 24, credit institutions shall multiply retail deposits that they have taken in third countries by a higher percentage outflow rate if such a percentage is provided for by the national law establishing liquidity requirements in that third country.
vlog, ki jih mora vzdrževati vlagatelj v okviru ustaljenega poslovnega razmerja, ki ni razmerje iz točke (a);