natgillin/translations-raw huggingface dataset:
a clear commitment exists to provide support when, despite previous monitoring of risks and early intervention measures, a member is or is likely to become insolvent or illiquid and to ensure that its members abide by the relevant regulatory own funds and liquidity requirements;
ali struktura upravljanja institucionalne sheme za zaščito vlog in proces sprejemanja odločitev o ukrepih podpore omogočata, da se podpora zagotovi pravočasno;
the IPS conducts stress tests at regular intervals to quantify potential capital and liquidity support measures;
ali obstaja jasna zaveza, da se zagotovi podpora, kadar je članica kljub predhodnemu spremljanju tveganj in ukrepom zgodnjega posredovanja insolventna ali nelikvidna ali bo verjetno postala insolventna ali nelikvidna, ter da se zagotovi, da članice sheme izpolnjujejo ustrezne regulativne kapitalske in likvidnostne zahteve;
the IPS's risk-absorbing capacity (consisting of paid-up funds, potential ex post contributions and comparable commitments) is sufficient to cover potential support measures taken in respect of its members;
ali institucionalna shema za zaščito vlog redno izvaja stresne teste, s katerimi kvantificira možne ukrepe kapitalske in likvidnostne podpore;
an ex ante fund has been created to ensure that the IPS has funds for support measures readily available, and
ali sposobnost absorpcije tveganj (ki jo sestavljajo vplačana sredstva, morebitni naknadni prispevki in primerljive zaveze) v institucionalni shemi za zaščito vlog zadostuje za kritje možnih ukrepov podpore, ki bi se sprejeli v zvezi z njenimi članicami;
contributions to that fund follow a clearly defined framework;
ali je bil vzpostavljen sklad s predhodnim financiranjem, ki zagotavlja, da ima institucionalna shema za zaščito vlog hitro dostopna sredstva za ukrepe podpore, in
the funds are invested only in liquid and secure assets that may be liquidated at any time and whose value does not depend on the solvency and liquidity position of the members and their subsidiaries;
prispevki v ta sklad temeljijo na jasno opredeljenem okviru;
the IPS's stress test results are considered for the determination of the minimum target amount of the ex ante fund;
se denarna sredstva vlagajo samo v likvidna in varna sredstva, ki jih je mogoče kadar koli unovčiti in katerih vrednost ni odvisna od solventnosti in likvidnosti članic in njihovih podrejenih družb;
there is an adequate floor/minimum amount for the ex ante fund to ensure the prompt availability of the funds.
se pri določitvi minimalnega ciljnega zneska v skladu s predhodnim financiranjem upoštevajo rezultati stresnih testov institucionalne sheme za zaščito vlog;
IPSs may be recognised as deposit guarantee schemes pursuant to Directive 2014/49/EU of the European Parliament and of the Council [7] and may be allowed under the conditions set out in the relevant national law to use the available financial means for alternative measures to prevent the failure of a credit institution.
je določena ustrezna najnižja vrednost/minimalni znesek v skladu s predhodnim financiranjem, ki zagotavlja, da so sredstva takoj dostopna.
In this case the NCAs shall consider the available financial means when assessing the availability of funds to grant support, taking into account the different purposes of IPSs, which aim to protect their members, and deposit guarantee schemes, whose key task is to protect depositors against the consequences of the insolvency of a credit institution.Article 6
Institucionalne sheme za zaščito vlog se lahko v skladu z Direktivo 2014/49/EU Evropskega parlamenta in Sveta [7] priznajo kot sistemi jamstva za vloge in pod pogoji iz ustreznih nacionalnih predpisov se jim lahko dovoli, da razpoložljiva finančna sredstva uporabijo za alternativne ukrepe za preprečitev propada kreditne institucije.
Article 113(7)(c) of Regulation (EU) No 575/2013: IPS systems for the monitoring and classification of risk
V tem primeru pristojni nacionalni organi pri oceni dostopnosti sredstev za odobritev podpore upoštevajo razpoložljiva finančna sredstva, pri čemer upoštevajo različen namen institucionalnih shem za zaščito vlog, katerih cilj je zaščititi članice, in sistemov jamstva za vloge, katerih ključna naloga je zaščititi vlagatelje pred posledicami insolventnosti kreditne institucije.Člen 6
Article 113(7)(c) of Regulation (EU) No 575/2013 provides that an IPS must have at its disposal suitable and uniformly stipulated systems for the monitoring and classification of risk, which give a complete overview of the risk situations of all the individual members and the IPS as a whole, with corresponding possibilities to intervene; and that those systems must suitably monitor defaulted exposures in accordance with Article 178(1) of the same Regulation.
Člen 113(7)(c) Uredbe (EU) št. 575/2013: sistemi za spremljavo in klasifikacijo tveganj v institucionalnih shemah za zaščito vlog
In assessing compliance with this condition the NCAs shall take into account whether:
Člen 113(7)(c) Uredbe (EU) št. 575/2013 določa, da morajo biti v okviru institucionalne sheme za zaščito vlog na voljo primerni in enotno določeni sistemi za spremljavo in klasifikacijo tveganj, ki omogočajo popoln pregled nad tveganji vseh posameznih članic in institucionalne sheme za zaščito vlog kot celote, z ustreznimi možnostmi vplivanja, ter da se morajo s temi sistemi ustrezno spremljati neplačane izpostavljenosti v skladu s členom 178(1) navedene uredbe.
the IPS members are obliged to provide the IPS's main management body with up-to-date data on their risk situations at regular intervals, including information on their own funds and own funds requirements;
Pristojni nacionalni organi pri oceni izpolnjevanja tega pogoja upoštevajo:
corresponding appropriate data flows and IT systems are in place;
ali so članice institucionalne sheme za zaščito vlog dolžne glavnemu organu upravljanja institucionalne sheme za zaščito vlog redno predložiti najnovejše podatke o svojih tveganjih, vključno z informacijami o kapitalu in kapitalskih zahtevah;
the IPS main management body lays down uniform standards and methodologies for the risk management framework to be applied by the members;
ali so vzpostavljeni odgovarjajoči ustrezni tokovi podatkov in informacijski sistemi;
for the purposes of the monitoring and classification of risk by the IPS there is a common definition of risks, the same risk categories are monitored for all members, and the same confidence level and time horizon is used for the quantification of risks;
ali glavni organ upravljanja institucionalne sheme za zaščito vlog določa enotne standarde in metodologije za okvir upravljanja tveganj, ki ga morajo uporabljati članice;
the IPS systems for the monitoring and classification of risks classify the members in accordance with their risk situation, i.e. the IPS has defined different categories to which to assign its members to allow early intervention;
ali za potrebe spremljave in klasifikacije tveganj s strani institucionalne sheme za zaščito vlog obstaja skupna opredelitev tveganj, ali se za vse članice spremljajo iste kategorije tveganj ter ali se za kvantificiranje tveganj uporabljata ista raven zaupanja in isto obdobje;
the IPS is able to influence the risk situation of its members by issuing instructions and recommendations, etc., to them, for example to restrict certain activities or to require a reduction of certain risks.
ali sistemi za spremljavo in klasifikacijo tveganj, ki so vzpostavljeni v institucionalni shemi za zaščito vlog, klasificirajo članice glede na njihova tveganja, tj. je shema opredelila različne kategorije, v katere razvrsti svoje članice, da omogoči zgodnje posredovanje;
Article 7
ali institucionalna shema za zaščito vlog lahko vpliva na tveganja svojih članic s tem, da jim izda navodila in priporočila itd., na primer da omeji nekatere dejavnosti ali zahteva zmanjšanje nekaterih tveganj.
Article 113(7)(d) of Regulation (EU) No 575/2013: IPS own risk review
Člen 7
When assessing whether the IPS conducts its own risk review, which is communicated to the individual members in accordance with Article 113(7)(d) of Regulation (EU) No 575/2013, the NCAs shall take into account whether:
Člen 113(7)(d) Uredbe (EU) št. 575/2013: lastna ocena tveganj v okviru institucionalne sheme za zaščito vlog
the IPS assesses at regular intervals the risks and vulnerabilities of the sector to which its members belong;
Pristojni nacionalni organi pri oceni, ali se v okviru institucionalne sheme za zaščito vlog izvaja lastna ocena tveganj, o kateri so posamezne članice obveščene, kakor je določeno v členu 113(7)(d) Uredbe (EU) št. 575/2013, upoštevajo:
the results of the risk review are summarised in a report or other document and are distributed to the relevant decision-making bodies of the IPS and/or the members shortly after they have been finalised;
ali se v institucionalni shemi za zaščito vlog redno ocenjujejo tveganja in ranljivosti sektorja, v katerega spadajo njene članice;
members are informed of their risk classification by the IPS as required by Article 113(7)(c).
ali se rezultati ocene tveganj povzamejo v poročilu ali drugem dokumentu in pošljejo ustreznim organom odločanja v institucionalni shemi za zaščito vlog in/ali članicam kmalu po tem, ko so bili dokončani;
Article 8
ali institucionalna shema za zaščito vlog članice obvešča o klasifikaciji njihovih tveganj, kakor zahteva člen 113(7)(c).
Article 113(7)(e) of the Regulation (EU) No 575/2013: IPS consolidated or aggregated report
Člen 8
Article 113(7)(e) of Regulation (EU) No 575/2013 provides that the IPS must draw up and publish on an annual basis a consolidated report comprising the balance sheet, the profit and loss account, the situation report and the risk report, concerning the institutional protection scheme as a whole, or a report comprising the aggregated balance sheet, the aggregated profit and loss account, the situation report and the risk report, concerning the institutional protection scheme as a whole.
Člen 113(7)(e) Uredbe (EU) št. 575/2013: konsolidirano ali zbirno poročilo institucionalne sheme za zaščito vlog
When assessing compliance with this condition the NCAs shall take into account whether:
Člen 113(7)(e) Uredbe (EU) št. 575/2013 določa, da se mora v okviru institucionalne sheme za zaščito vlog enkrat letno sestaviti in objaviti konsolidirano poročilo, ki obsega bilanco stanja, izkaz poslovnega izida, poročilo o stanju in poročilo o tveganjih institucionalne sheme za zaščito vlog kot celote, ali poročilo, ki obsega zbirno bilanco stanja, zbiren izkaz poslovnega izida, poročilo o stanju in poročilo o tveganjih institucionalne sheme za zaščito vlog kot celote.
the consolidated or aggregated report is audited by an independent external auditor on the basis of the relevant accounting framework or, if applicable, the aggregation method;
Pristojni nacionalni organi pri oceni izpolnjevanja tega pogoja upoštevajo:
the external auditor is required to provide an audit opinion;
ali konsolidirano ali zbirno poročilo revidira neodvisni zunanji revizor na podlagi ustreznega računovodskega okvira ali, če pride v poštev, metode združevanja;
all of the IPS members and any subsidiaries, any intermediary structures such as holding companies and the entity managing the IPS itself (if it is a legal entity) are included in the scope of consolidation/aggregation;
ali mora zunanji revizor predložiti revizijsko mnenje;
in cases where the IPS draws up a report comprising an aggregated balance sheet and an aggregated profit and loss account, the aggregation method can ensure that all intragroup exposures are eliminated.
ali so v okvir konsolidacije/združevanja vključene vse članice institucionalne sheme za zaščito vlog, morebitne podrejene družbe, morebitne posredniške strukture, kot so holdingi, in subjekt, ki shemo upravlja (če je pravni subjekt);
Article 9
ali v primerih, ko se v okviru institucionalne sheme za zaščito vlog sestavi poročilo, ki obsega zbirno bilanco stanja in zbiren izkaz poslovnega izida, metoda združevanja lahko zagotovi, da se izključijo izpostavljenosti znotraj skupine.
Article 113(7)(f) of Regulation (EU) No 575/2013: advance notice of member termination
Člen 9
The NCAs shall verify whether the contract or statutory arrangements include a provision obliging members of the IPS to give advance notice of at least 24 months if they wish to end the scheme.
Člen 113(7)(f) Uredbe (EU) št. 575/2013: predhodno obvestilo o izstopu članic
Article 10
Pristojni nacionalni organi preverijo, ali pogodbena ali zakonsko določena ureditev vsebuje določbo, da morajo članice institucionalne sheme za zaščito vlog obvestilo o nameravanem izstopu iz sheme predložiti najmanj 24 mesecev pred izstopom.
Article 113(7)(g) of Regulation (EU) No 575/2013: elimination of multiple use of elements eligible for the calculation of own funds
Člen 10
Article 113(7)(g) of Regulation (EU) No 575/2013 provides that the multiple use of elements eligible for the calculation of own funds (‘multiple gearing’) and any inappropriate creation of own funds between IPS members must be eliminated.
Člen 113(7)(g) Uredbe (EU) št. 575/2013: odprava večkratne uporabe sestavin, primernih za izračun kapitala
For the purposes of assessing compliance with this requirement the NCAs shall take into account whether:
Člen 113(7)(g) Uredbe (EU) št. 575/2013 določa, da je treba odpraviti večkratno uporabo sestavin, primernih za izračun kapitala (večkratna uporaba kapitala), in neustrezno ustvarjanje kapitala med članicami institucionalne sheme za zaščito vlog.
the external auditor who is responsible for the audit of the consolidated or aggregated financial report can confirm that these practices have been eliminated;
Pristojni nacionalni organi pri oceni izpolnjevanja te zahteve upoštevajo:
any transactions by the members have led to the inappropriate creation of own funds at the individual, sub-consolidated or consolidated level.
ali lahko zunanji revizor, odgovoren za revidiranje konsolidiranega ali zbirnega finančnega poročila, potrdi, da je bila ta praksa odpravljena;
Article 11
ali so transakcije članic povzročile neustrezno ustvarjanje kapitala na posamični, subkonsolidirani ali konsolidirani ravni.
Article 113(7)(h) of Regulation (EU) No 575/2013: broad membership
Člen 11
When assessing compliance with the condition laid down in Article 113(7)(h) of the Regulation (EU) No 575/2013, namely that the IPS must be based on a broad membership of credit institutions of a predominantly homogeneous business profile, the NCAs shall take into account:
Člen 113(7)(h) Uredbe (EU) št. 575/2013: široko članstvo
whether the IPS has sufficient members (among the institutions that are potentially eligible for membership) to cover any support measures it may have to implement;
Pristojni nacionalni organi pri oceni izpolnjevanja pogoja iz člena 113(7)(h) Uredbe (EU) št. 575/2013, tj. da mora institucionalna shema za zaščito vlog temeljiti na širokem članstvu kreditnih institucij s pretežno homogenim poslovnim profilom, upoštevajo:
the members' business models, business strategies, sizes, customers, regional focus, products, funding structures, material risk categories, sales cooperation and service agreements with other IPS members, etc.;
ali ima institucionalna shema za zaščito vlog dovolj članic (med institucijami, ki so potencialno primerne za članstvo) za kritje vseh ukrepov podpore, ki bi jih morda morala izvesti;
whether the various business profiles of the members allow the monitoring and classification of their risk situations using the uniformly stipulated systems that the IPS has in place pursuant to Article 113(7)(c) of Regulation (EU) No 575/2013;
poslovne modele članic, njihovo poslovno strategijo, velikost, stranke, regionalno usmeritev, produkte, strukturo financiranja, pomembne kategorije tveganj, sporazume o sodelovanju na področju prodaje in sporazume o storitvah z drugimi članicami institucionalne sheme za zaščito vlog itd.;
that IPS sectors are often based on collaboration, meaning that central institutions and other specialised institutions in the IPS network offer products and services to other IPS members.
ali različni poslovni profili članic omogočajo spremljavo in klasifikacijo njihovih tveganj z uporabo enotno določenih sistemov, ki so v institucionalni shemi za zaščito vlog vzpostavljeni na podlagi člena 113(7)(c) Uredbe (EU) št. 575/2013;
When assessing the homogeneity of business profiles the NCA should consider the extent to which the members' business activities are related to the network (products and services provided to local banks, services to shared customers, capital market activities, etc.).
da sektorji institucionalnih shem za zaščito vlog pogosto temeljijo na sodelovanju, kar pomeni, da osrednje institucije in druge specializirane institucije v mreži institucionalne sheme za zaščito vlog ponujajo produkte in storitve drugim članicam sheme.
CHAPTER III
Pristojni nacionalni organi bi morali pri oceni homogenosti poslovnih profilov upoštevati, v kolikšnem obsegu so poslovne dejavnosti članic povezane z mrežo (produkti in storitve za lokalne banke, storitve za skupne stranke, dejavnosti na kapitalskih trgih itd.).
Article 12
KONČNE DOLOČBE
Taking effect and implementation
Člen 12
This Guideline shall take effect on the day of its notification to the NCAs.
Začetek učinkovanja in izvedba
The NCAs shall comply with this Guideline from 2 December 2016.
Ta smernica začne učinkovati na dan, ko so o njej uradno obveščeni pristojni nacionalni organi.
Article 13
Pristojni nacionalni organi ravnajo v skladu s to smernico od 2. decembra 2016.
Addressees
Člen 13
This Guideline is addressed to the NCAs.
Naslovniki
Done at Frankfurt am Main, 4 November 2016.
Ta smernica je naslovljena na pristojne nacionalne organe.
For the Governing Council of the ECB
V Frankfurtu na Majni, 4. novembra 2016
OJ L 287, 29.10.2013, p. 63.
Predsednik ECB
OJ L 176, 27.6.2013, p. 1.
UL L 287, 29.10.2013, str. 63.
The consolidated version of the ‘ECB Guide on options and discretions available in Union law’ is available on the ECB's banking supervision website at www.bankingsupervision.europa.eu
Direktiva 2013/36/EU Evropskega parlamenta in Sveta z dne 26. junija 2013 o dostopu do dejavnosti kreditnih institucij in bonitetnem nadzoru kreditnih institucij in investicijskih podjetij, spremembi Direktive 2002/87/ES in razveljavitvi direktiv 2006/48/ES in 2006/49/ES (UL L 176, 27.6.2013, str. 338).
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
Uredba (EU) št. 468/2014 Evropske centralne banke z dne 16. aprila 2014 o vzpostavitvi okvira za sodelovanje znotraj enotnega mehanizma nadzora med Evropsko centralno banko in pristojnimi nacionalnimi organi ter z imenovanimi nacionalnimi organi (okvirna uredba o EMN) (ECB/2014/17) (UL L 141, 14.5.2014, str.1).
Regulation (EU) No 468/2014 of the European Central Bank of 16 April 2014 establishing the framework for cooperation within the Single Supervisory Mechanism between the European Central Bank and national competent authorities and with national designated authorities (SSM Framework Regulation) (ECB/2014/17) (OJ L 141, 14.5.2014, p. 1).
Tretja oseba je vsaka oseba, ki ni nadrejena oseba, podrejena družba, član organa odločanja ali delničar članice.
A third party is any party that is not the parent, a subsidiary, a member of a decision-making body or a shareholder of a member.
Direktiva 2014/49/EU Evropskega parlamenta in Sveta z dne 16. aprila 2014 o sistemih jamstva za vloge (UL L 173, 12.6.2014, str. 149).
Directive 2014/49/EU of the European Parliament and of the Council of 16 April 2014 on deposit guarantee schemes (OJ L 173, 12.6.2014, p. 149).
To poglavje je bilo sprejeto julija 2016.
This chapter of the Guide was adopted in July 2016.
Prečiščena različica Vodnika ECB po opcijah in diskrecijskih pravicah iz prava Unije je dostopna na spletni strani bančnega nadzora ECB na naslovu www.bankingsupervision.europa.eu.
Guideline (EU) 2017/148 of the European Central Bank
Smernica Evropske centralne banke (EU) 2017/148
amending Guideline ECB/2014/15 on monetary and financial statistics (ECB/2016/45)
o spremembi Smernice ECB/2014/15 o denarni in finančni statistiki (ECB/2016/45)
The Eurosystem needs to make use of individual monetary financial institutions' balance sheet item and interest rate statistics collected in accordance with Regulation (EU) No 1071/2013 of the European Central Bank (ECB/2013/33) [2] and Regulation (EU) No 1072/2013 of the European Central Bank (ECB/2013/34) [3] for monetary policy, financial stability and macroprudential policy purposes as well as for tasks related to the microprudential supervision of credit institutions in the euro area Member States.
Eurosistem mora uporabiti statistične podatke o postavkah bilance stanja in obrestnih merah posameznih denarnih finančnih institucij, ki se zbirajo v skladu z Uredbo (EU) št. 1071/2013 Evropske centralne banke (ECB/2013/33) [2] in Uredbo (EU) št. 1072/2013 Evropske centralne banke (ECB/2013/34) [3], za namene denarne politike, finančne stabilnosti in makrobonitetne politike ter za naloge, povezane z mikrobonitetnim nadzorom kreditnih institucij v državah članicah euroobmočja.
Article 8 of Regulation (EC) No 2533/98 has been amended by Council Regulation (EU) 2015/373 [4] to provide expressly for the sharing of confidential statistical information that has been collected for the purpose of fulfilling the tasks of the ESCB, also for the purposes of prudential supervision and the stability of the financial system.
Člen 8 Uredbe (ES) št. 2533/98 je bil spremenjen z Uredbo Sveta (EU) 2015/373 [4], da izrecno določa, da se lahko zaupne statistične informacije, ki so bile zbrane za namen izpolnjevanja nalog ESCB, izmenjujejo tudi za namene bonitetnega nadzora in stabilnosti finančnega sistema.
The national central banks (NCBs) should be required to transmit to the European Central Bank (ECB) the necessary individual monetary financial institution (MFI) balance sheet item and interest rate statistics collected in accordance with Article 5 of the Statute of the European System of Central Banks and of the European Central Bank.
Od nacionalnih centralnih bank (NCB) je treba zahtevati, da Evropski centralni banki (ECB) posredujejo potrebne statistične podatke o postavkah bilance stanja in obrestnih merah posameznih denarnih finančnih institucij (MFI), zbrane v skladu s členom 5 Statuta Evropskega sistema centralnih bank in Evropske centralne banke.
Article 12 of Guideline ECB/2014/15 of the European Central Bank [5] on the provision of consolidated banking data to the ECB should be updated to take into account the implementing technical standards recently developed by the European Banking Authority and endorsed by the European Commission in Commission Implementing Regulation (EU) No 680/2014 [6].
Člen 12 Smernice ECB/2014/15 Evropske centralne banke [5] o zagotavljanju konsolidiranih bančnih podatkov Evropski centralni banki je treba posodobiti, da se upoštevajo izvedbeni tehnični standardi, ki jih je nedavno pripravil Evropski bančni organ in potrdila Evropska komisija v Izvedbeni uredbi Komisije (EU) št. 680/2014 [6].
Since these updated rules include provisions on the required international consolidated banking data, Article 13 of Guideline ECB/2014/15 is no longer necessary and should be deleted.
Ker ta posodobljena pravila vključujejo določbe o zahtevanih mednarodnih konsolidiranih bančnih podatkih, člen 13 Smernice ECB/2014/15 ni več potreben in ga je treba črtati.
Guideline ECB/2014/15 of the European Central Bank should be amended accordingly,
Zato je treba Smernico ECB/2014/15 Evropske centralne banke ustrezno spremeniti –
Consolidated banking data
Konsolidirani bančni podatki
NCBs shall report consolidated banking data in accordance with Part 9 of Annex II and shall follow the conceptual and methodological rules set out therein when providing such data.
NCB poročajo konsolidirane bančne podatke v skladu z delom 9 Priloge II ter pri tem upoštevajo konceptualna in metodološka pravila iz navedenega dela.