natgillin/translations-raw huggingface dataset:
Article 26
vlog, ki jih mora vzdrževati vlagatelj, da pridobi storitve denarnega kliringa in storitve centralne institucije, in kadar je kreditna institucija del ene od mrež ali shem iz člena 16.
Outflows with inter-dependent inflows
Z odstopanjem od odstavka 1 kreditne institucije s 5 % pomnožijo del obveznosti, ki izhajajo iz vlog iz odstavka 1(a), ki je krit s sistemom jamstva za vloge v skladu z Direktivo 94/19/ES ali Direktivo 2014/49/EU ali enakovrednim sistemom jamstva za vloge v tretji državi.
Subject to prior approval of the competent authority, credit institutions may calculate the liquidity outflow net of an interdependent inflow which meets all the following conditions:
Vloge kreditnih institucij pri centralni instituciji, ki se štejejo za likvidna sredstva za kreditno institucijo vlagateljico v skladu s členom 16, se pomnožijo s 100-odstotno stopnjo odliva za centralno institucijo glede na znesek navedenih likvidnih sredstev po odbitku.
the interdependent inflow is directly linked to the outflow and is not considered in the calculation of liquidity inflows in Chapter 3;
Za ta likvidna sredstva se ne šteje, da pokrivajo odlive, razen odliva iz prvega stavka tega odstavka, in se ne upoštevajo za namene izračuna sestave preostalega likvidnostnega blažilnika iz člena 17 za centralno institucijo na posamični ravni.
the interdependent inflow is required pursuant to a legal, regulatory or contractual commitment;
Storitve kliringa, skrbništva, upravljanja z denarjem ali druge primerljive storitve, navedene v točkah (a) in (d) odstavka 1, se upoštevajo samo v obsegu, v katerem se te izvajajo v okviru ustaljenega razmerja, ki je ključnega pomena za vlagatelja.
the interdependent inflow meets one of the following conditions:
Vloge iz točk (a), (c) in (d) odstavka 1 imajo znatne pravne ali operativne omejitve, zaradi katerih pomembni dvigi v 30 koledarskih dneh niso verjetni.
it arises compulsorily before the outflow;
Finančna sredstva, ki presegajo potrebna finančna sredstva za zagotavljanje operativnih storitev, se obravnavajo kot vloge za neoperativne namene.
it is received within 10 days and is guaranteed by the central government of a Member State.
Vloge, ki izhajajo iz razmerja korespondenčnega bančništva ali zagotavljanja posredniških storitev, se ne obravnavajo kot vloge za poslovne namene in se jim dodeli 100-odstotna stopnja odliva.
Article 27
Da se opredelijo vloge iz točke (c) odstavka (1), kreditna institucija upošteva, da obstaja ustaljeno poslovno razmerje z nefinančno stranko, pri čemer so izvzete vezane vloge, varčevalne vloge ali vloge tretjih oseb, ki jih je zbral posrednik za vloge (brokered deposits), če so izpolnjena vsa naslednja merila:
Outflows from operational deposits
nadomestilo za sredstva na računu je ocenjeno po stopnji, ki je za najmanj 5 bazičnih točk nižja od uveljavljene stopnje za vloge pri velikih institucionalnih strankah s primerljivimi značilnostmi, vendar ni treba, da je negativna;
Credit institutions shall multiply by 25 % liabilities resulting from deposits that are maintained as follows:
vloga je na posebej določenih računih in ima take obresti, da ne ustvarja ekonomskih spodbud za vlagatelja, da na računu vzdržuje finančna sredstva, ki presegajo, kar je potrebno za poslovno razmerje;
by the depositor in order to obtain clearing, custody, cash management or other comparable services in the context of an established operational relationship from the credit institution;
pomembne transakcije se na zadevnem računu redno knjižijo v dobro oziroma v breme;
in the context of common task sharing within an institutional protection scheme meeting the requirements of Article 113(7) of Regulation (EU) No 575/2013 or within a group of cooperative credit institutions permanently affiliated to a central body meeting the requirements of Article 113(6) of that Regulation, or as a legal or contractually established deposit by another credit institution that is a Member of the same institutional protection scheme or cooperative network, provided those deposits are not recognised as liquid assets for the depositing credit institution as referred to in paragraph 3 and Article 16;
izpolnjeno je eno od naslednjih meril:
by the depositor in the context of an established operational relationship other than that mentioned in point (a);
razmerje z vlagateljem obstaja najmanj 24 mesecev;
by the depositor to obtain cash clearing and central institution services and where the credit institution belongs to one of the networks or schemes referred to in Article 16.
vloga se uporablja za najmanj dve aktivni storitvi.
By derogation from paragraph 1, credit institutions shall multiply by 5 % the portion of liabilities resulting from deposits referred to in paragraph 1(a) which is covered by a deposit guarantee scheme in accordance with Directive 94/19/EC or Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third country.
Med te storitve lahko spadajo neposreden ali posreden dostop do nacionalnih ali mednarodnih plačilnih storitev, trgovanje z vrednostnimi papirji ali depotne storitve.
Deposits from credit institutions placed at the central institution that are considered as liquid assets for the depositing credit institution in accordance with Article 16 shall be multiplied by a 100 % outflow rate for the central institution on the amount of these liquid assets after haircut.
Le tisti del vloge, ki je potreben za koriščenje storitve, pri kateri je vloga stranski produkt, se šteje kot vloga za operativne namene.
These liquid assets shall not be counted to cover outflows other than the outflow referred to in the first sentence of this paragraph and shall be disregarded for the purposes of the calculations of the composition of the remaining liquidity buffer under Article 17 for the central institution at individual level.
Preostali del se šteje za vlogo za neoperativne namene.
Clearing, custody, cash management or other comparable services referred to in points (a) and (d) of paragraph 1 only cover such services to the extent that they are rendered in the context of an established relationship which is critically important to the depositor.
Člen 28
Deposits referred to in points (a), (c) and (d) of paragraph 1 shall have significant legal or operational limitations that make significant withdrawals within 30 calendar days unlikely.
Odlivi iz drugih obveznosti
Funds in excess of those required for the provision of operational services shall be treated as non-operational deposits.
Kreditne institucije s 40 % pomnožijo obveznosti, ki izhajajo iz vlog nefinančnih strank, držav, centralnih bank, multilateralnih razvojnih bank, subjektov javnega sektorja, kreditnih zadrug, ki jih je odobril pristojni organ, osebnih investicijskih podjetij ali strank, ki so posredniki za vloge (deposit brokers), če ne spadajo v člen 27.
Deposits arising out of a correspondent banking relationship or from the provision of prime brokerage services shall not be treated as an operational deposit and shall receive a 100 % outflow rate.
Z odstopanjem od prvega pododstavka se, kadar so obveznosti iz navedenega pododstavka krite s sistemom jamstva za vloge v skladu z Direktivo 94/19/ES ali Direktivo 2014/49/EU ali enakovrednim sistemom jamstva za vloge v tretji državi, pomnožijo z 20 %.
In order to identify the deposits referred to in point (c) of paragraph 1, a credit institution shall consider that there is an established operational relationship with a non-financial customer, excluding term deposits, savings deposits and brokered deposits, where all of the following criteria are met:
Kreditne institucije pomnožijo obveznosti, ki izhajajo iz lastnih operativnih stroškov institucije, z 0 %.
the remuneration of the account is priced at least 5 basis points below the prevailing rate for wholesale deposits with comparable characteristics, but need not be negative;
Kreditne institucije pomnožijo obveznosti, ki izhajajo iz zavarovanih kreditnih poslov in poslov z instrumenti kapitalskega trga, ki zapadejo v 30 koledarskih dneh, kot so opredeljeni v členih 192(2) in (3) Uredbe (EU) št. 575/2013, z:
the deposit is held in specifically designated accounts and priced without creating economic incentives for the depositor to maintain funds in the deposit in excess of what is needed for the operational relationship;
0 %, če so zavarovane s sredstvi, ki se lahko štejejo za sredstva stopnje 1 v skladu s členom 10, pri čemer so izvzete izjemno visokokakovostne krite obveznice iz člena 10(1)(f), ali če je kreditodajalec centralna banka;
material transactions are credited and debited on a frequent basis on the account considered;
7 %, če so zavarovane s sredstvi, ki se lahko štejejo za izjemno visokokakovostne krite obveznice iz člena 10(1)(f);
one of the following criteria is met:
15 %, če so zavarovane s sredstvi, ki se lahko štejejo za sredstva stopnje 2A v skladu s členom 11;
the relationship with the depositor has existed for at least 24 months;
če so zavarovane s sredstvi iz točke (i), (ii) ali (iv) člena 13(2)(g);
the deposit is used for a minimum of 2 active services.
če so zavarovane s sredstvi, ki ne bi izpolnjevala pogojev za likvidna sredstva v skladu s členoma 10 in 11, in je kreditodajalec enota centralne ravni države, subjekt javnega sektorja države članice ali tretje države, v kateri je kreditna institucija pridobila dovoljenje za opravljanje dejavnosti ali pa je odprla podružnico, ali multilateralna razvojna banka.
These services may include direct or indirect access to national or international payment services, security trading or depository services.
Subjekti javnega sektorja, ki so deležni takšne obravnave, so omejeni na tiste, ki imajo utež tveganja v višini 20 % ali manj v skladu s členoma 116(4) in (5) Uredbe (EU) št. 575/2013;
Only that part of the deposit which is necessary to make use of the service of which the deposit is a by-product shall be treated as an operational deposit.
35 %, če so zavarovane s podkategorijami sredstev iz točke (iii) ali (v) člena 13(2)(g);
The excess shall be treated as non-operational.
50 %, če so zavarovane s:
Article 28
podjetniškimi dolžniškimi vrednostnimi papirji, ki se lahko štejejo za sredstva stopnje 2B v skladu s členom 12(1)(b);
Outflows from other liabilities
delnicami, ki se lahko štejejo za sredstva stopnje 2B v skladu s členom 12(1)(c);
Credit institutions shall multiply liabilities resulting from deposits by clients that are non-financial customers, sovereigns, central banks, multilateral development banks, public sector entities, credit unions authorised by a competent authority, personal investment companies or by clients that are deposit brokers, to the extent they do not fall under Article 27 by 40 %.
100 %, če so zavarovane s sredstvi, ki ne izpolnjujejo pogojev za likvidna sredstva v skladu z naslovom II, z izjemo poslov iz točke (d)(ii) tega odstavka, ali če je kreditodajalec centralna banka.
By derogation from the first subparagraph, where the liabilities referred to in that subparagraph are covered by a deposit guarantee scheme in accordance with Directive 94/19/EC or Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third country they shall be multiplied by 20 %.
Posledica poslov zamenjave zavarovanja, ki zapadejo v naslednjih 30 dneh, je odliv presežne likvidnostne vrednosti izposojenih sredstev v primerjavi z likvidnostno vrednostjo posojenih sredstev, razen če je nasprotna stranka centralna banka, saj se v tem primeru uporabi odliv v višini 0 %.
Credit institutions shall multiply liabilities resulting from the institution's own operating expenses by 0 %.
Neto stanja na ločenih računih, povezana z režimi za zaščito strank, ki jih določajo nacionalni predpisi, se morajo obravnavati kot prilivi v skladu s členom 32 in morajo biti izključena iz nabora likvidnih sredstev.
Credit institutions shall multiply liabilities resulting from secured lending and capital market-driven transactions maturing within 30 calendar days as defined in Article 192(2) and (3) of Regulation (EC) No 575/2013 by:
Kreditne institucije uporabljajo stopnjo odliva v višini 100 % za vse zapise, obveznice ali druge dolžniške vrednostne papirje, ki jih izda kreditna institucija, razen če se obveznica prodaja izključno na trgu za male vlagatelje in je na računu za male vlagatelje, saj se v tem primeru ti instrumenti lahko obravnavajo kot ustrezna kategorija vlog na drobno.
0 % if they are collateralised by assets that would qualify as level 1 assets in accordance with Article 10, with the exception of extremely high quality covered bonds referred to in Article 10(1)(f), or if the lender is a central bank;
Vzpostavljene morajo biti omejitve, da navedenih instrumentov ne morejo kupiti in imeti v lasti stranke, ki niso mali vlagatelji.
7 % if they are collateralised by assets that would qualify as extremely high quality covered bonds referred to in Article 10(1)(f);
Člen 29
15 % if they are collateralised by assets that would qualify as level 2A assets in accordance with Article 11;
Odlivi znotraj skupine ali institucionalne sheme za zaščito vlog
if they are collateralised by the assets referred to in points (i), (ii) or (iv) of Article 13(2)(g);
Z odstopanjem od člena 31 lahko pristojni organi za vsak posamezen primer posebej dovolijo uporabo nižje stopnje odliva za nečrpane okvirne kredite in okvirne likvidnostne kredite, kadar so izpolnjeni vsi naslednji pogoji:
if they are collateralised by assets that would not qualify as liquid assets in accordance with Articles 10 and 11 and the lender is the central government, a public sector entity of the Member State or of a third country in which the credit institution has been authorised or has established a branch, or a multilateral development bank.
obstajajo razlogi, da se pričakuje nižji odliv tudi v primeru kombinacije idiosinkratičnih in tržnih stresnih razmer nasprotne stranke;
Public sector entities that receive that treatment shall be limited to those that have a risk weight of 20 % or lower in accordance with Article 116(4) and (5) of Regulation (EU) No 575/2013;
nasprotna stranka je institucija, ki je nadrejena oseba ali podrejena družba kreditne institucije, ali druga podrejena družba iste nadrejene kreditne institucije ali je z zadevno kreditno institucijo povezana v smislu člena 12(1) Direktive 83/349/EGS [10] ali član enake institucionalne sheme za zaščito vlog iz člena 113(7) Uredbe (EU) št. 575/2013 ali centralna institucija ali član mreže ali zadružne skupine, kot so omenjene v členu 10 navedene uredbe;
35 % if they are collateralised by the subcategories of assets referred to in points (iii) or (v) of Article 13(2)(g);
nižja stopnja odliva ni nižja od stopnje priliva, ki jo uporablja nasprotna stranka;
50 % if they are collateralised by:
kreditna institucija in nasprotna stranka imata sedež v isti državi članici.
corporate debt securities that would qualify as level 2B assets in accordance with Article 12(1)(b);
Pristojni organi lahko opustijo pogoj iz točke (d) odstavka 1, če se uporablja člen 20(1)(b) Uredbe (EU) št. 575/2013.
shares that would qualify as level 2B assets in accordance with Article 12(1)(c);
V tem primeru morajo biti izpolnjena naslednja dodatna objektivna merila:
100 % where they are collateralised by assets that would not qualify as liquid assets in accordance with Title II, with the exception of transactions covered by point (d)(ii) of this paragraph or if the lender is a central bank.
ponudnik in prejemnik likvidnosti imata profil nizkega likvidnostnega tveganja;
Collateral swaps that mature within the next 30 days shall lead to an outflow for the excess liquidity value of the assets borrowed compared to the liquidity value of the assets lent unless the counterparty is a central bank in which case a 0 % outflow shall apply.
obstajajo pravno zavezujoči dogovori in zaveze med subjekti v skupini v zvezi z nečrpanimi okvirnimi krediti ali okvirnimi likvidnostnimi krediti;
The offsetting balances held in segregated accounts related to client protection regimes imposed by national regulations shall be treated as inflows in accordance with Article 32 and shall be excluded from the stock of liquid assets.
profil likvidnostnega tveganja prejemnika likvidnosti se ustrezno upošteva pri upravljanju likvidnostnega tveganja ponudnika likvidnosti.
Credit institutions shall apply a 100 % outflow rate to all notes, bonds and other debt securities issued by the credit institution, unless the bond is sold exclusively in the retail market and held in a retail account, in which case those instruments can be treated as the appropriate retail deposit category.
Če je dovoljena uporaba nižje stopnje odliva, pristojni organ obvesti EBA o izidu procesa iz člena 20(1)(b) Uredbe (EU) št. 575/2013.
Limitations shall be placed such that those instruments cannot be bought and held by parties other than retail customers.
Pristojni organ redno preverja, ali so izpolnjeni pogoji za take nižje odlive.
Outflows within a group or an institutional protection scheme
Dodatni odlivi
By way of derogation from Article 31 competent authorities may authorise the application of a lower outflow rate on a case by case basis for undrawn credit or liquidity facilities when all of the following conditions are fulfilled:
Za zavarovanje s premoženjem, ki ni denar in sredstva iz člena 10, ki ga uporablja kreditna institucija za pogodbe iz Priloge II k Uredbi (EU) št. 575/2013 in kreditne izvedene finančne instrumente, velja dodatni odliv v višini 20 %.
there are reasons to expect a lower outflow even under a combined market and idiosyncratic stress of the provider;
Za zavarovanje s sredstvi iz člena 10(1)(f), ki ga uporablja kreditna institucija za pogodbe iz Priloge II k Uredbi (EU) št. 575/2013 in kreditne izvedene finančne instrumente, velja dodatni odliv v višini 10 %.
the counterparty is the parent or subsidiary institution of the credit institution or another subsidiary of the same parent institution or linked to the institution by a relationship within the meaning of Article 12(1) of Directive 83/349/EEC [10] or a member of the same institutional protection scheme referred to in Article 113(7) of Regulation (EU) No 575/2013 or the central institution or an affiliate of a network or cooperative group as referred to in Article 10 of that Regulation;
Kreditne institucije izračunajo dodaten odliv za vse sklenjene pogodbe, katerih pogodbeni pogoji v 30 koledarskih dneh in po pomembnem poslabšanju kreditne kakovosti kreditne institucije povzročijo dodatne likvidnostne odlive ali potrebe po zavarovanju s premoženjem, ter ga sporočijo pristojnim organom.
the lower outflow rate does not fall below the inflow rate applied by the counterparty;
Kreditne institucije obvestijo pristojne organe o tem odlivu najpozneje ob predložitvi poročila v skladu s členom 415 Uredbe (EU) št. 575/2013.
the credit institution and the counterparty are established in the same Member State.
Če pristojni organi menijo, da so taki odlivi pomembni v zvezi s potencialnimi likvidnostnimi odlivi kreditne institucije, lahko od kreditne institucije zahtevajo, da doda dodaten odliv za tiste pogodbe, ki ustreza dodatnim potrebam po zavarovanju s premoženjem ali denarnim odlivom, ki so posledica pomembnega poslabšanja kreditne kakovosti kreditne institucije, kot je znižanje zunanje bonitetne ocene za tri stopnje.
Competent authorities may waive the condition set out in point (d) of paragraph 1 where Article 20(1)(b) of Regulation (EU) No 575/2013 is applied.
Kreditna institucija za navedeno dodatno zavarovanje s premoženjem ali denarne odlive uporablja 100-odstotno stopnjo odliva.
In that case, the following additional objective criteria have to be met:
Kreditna institucija redno pregleduje obseg tega pomembnega poslabšanja glede na zadevne določbe iz sklenjenih pogodb in rezultate tega pregleda sporoča pristojnim organom.
the liquidity provider and receiver shall present a low liquidity risk profile;
Kreditna institucija doda dodatni odliv glede na potrebe po zavarovanju s premoženjem, ki bi nastale zaradi vpliva slabih razmer na trgu na posle z izvedenimi finančnimi instrumenti ter posle financiranja in druge pogodbe kreditne institucije, če je ta vpliv pomemben.
there are legally binding agreements and commitments between the group entities regarding the undrawn credit or liquidity line;
Izračun se opravi v skladu z delegiranim aktom, ki ga Komisija sprejme v skladu s členom 423(3) Uredbe (EU) št. 575/2013.
the liquidity risk profile of the liquidity receiver shall be taken into account adequately in the liquidity risk management of the liquidity provider,
Kreditne institucije upoštevajo odlive in prilive, predvidene v 30 koledarskih dneh, iz pogodb, navedenih v Prilogi II k Uredbi (EU) št. 575/2013, na neto osnovi v skladu s členom 21.
Where such a lower outflow rate is permitted to be applied, the competent authority shall inform EBA about the result of the process referred to in Article 20(1)(b) of Regulation (EU) No 575/2013.
V primeru neto odliva kreditna institucija rezultat pomnoži s stopnjo odliva v višini 100 %.
Fulfilment of the conditions for such lower outflows shall be regularly reviewed by the competent authority.
Kreditne institucije izvzamejo iz takih izračunov tiste zahteve glede likvidnosti, ki bi nastale zaradi uporabe odstavkov 1, 2 in 3.
Article 30
Kreditna institucija doda dodatni odliv, ki ustreza 100-odstotni tržni vrednosti vrednostnih papirjev ali drugih sredstev, prodanih na kratko in izročenih v roku 30 koledarskih dni, razen če ima kreditna institucija v lasti prodane vrednostne papirje ali si jih je izposodila pod pogoji, ki zahtevajo njihovo vračilo šele po 30 koledarskih dneh, ter če zadevni vrednostni papirji niso del likvidnih sredstev kreditne institucije.
Additional outflows
Če je kratka pozicija krita z zavarovanim poslom financiranja z vrednostnimi papirji, kreditna institucija predvideva, da se bo kratka pozicija ohranila v obdobju 30 koledarskih dni, odliv pa se določi v višini 0 %.
Collateral other than cash and assets referred to in Article 10 which is posted by the credit institution for contracts listed in Annex II of Regulation (EU) No 575/2013 and credit derivatives, shall be subject to an additional outflow of 20 %.
Kreditna institucija doda dodatni odliv, ki ustreza 100 %:
Collateral in assets referred to in Article 10(1)(f) which is posted by the credit institution for contracts listed in Annex II of Regulation (EU) No 575/2013 and credit derivatives shall be subject to an additional outflow of 10 %.
presežka zavarovanja s premoženjem, ki ga ima kreditna institucija in ga na podlagi pogodbe lahko kadar koli zahteva nasprotna stranka;
Credit institutions shall calculate and notify to the competent authorities an additional outflow for all contracts entered into the contractual conditions of which lead within 30 calendar days and following a material deterioration of the credit quality of the credit institution to additional liquidity outflows or collateral needs.
zavarovanja s premoženjem, ki naj bi se v 30 koledarskih dneh predložilo nasprotni stranki;
Credit institutions shall notify the competent authorities of this outflow no later than the submission of the reporting in accordance with Article 415 of Regulation (EU) No 575/2013.
zavarovanja s premoženjem, ki ustreza sredstvom, ki se lahko štejejo za likvidna sredstva za namene naslova II, a ki bi jih lahko brez soglasja kreditne institucije nadomestila sredstva, ki ne bi izpolnjevala pogojev za likvidna sredstva za namene naslova II.
Where competent authorities consider such outflows material in relation to the potential liquidity outflows of the credit institution, they shall require the credit institution to add an additional outflow for those contracts corresponding to the additional collateral needs or cash outflows resulting from a material deterioration in the credit quality of the credit institution corresponding to a downgrade in its external credit assessment by three notches.
Vloge, prejete kot zavarovanje s premoženjem, se ne štejejo za obveznosti za namene člena 27 ali 29, temveč se zanje po potrebi uporabljajo določbe odstavkov 1–6 tega člena.