natgillin/translations-raw huggingface dataset:
Exposures in the form of asset-backed securities which comply with the requirements laid out in Article 13 of Commission Delegated Regulation (EU) 2015/61 provided that they are backed by auto loans and leases in accordance with Article 13(2)(g)(iv) of the same Regulation.
Za kreditne institucije, ki v skladu z njihovim statutom iz verskih razlogov ne smejo držati obrestonosnih sredstev, neobrestonosna sredstva, ki predstavljajo terjatev do centralnih bank ali zanje jamčijo centralne banke oziroma centralna raven države ali centralna banka tretje države oziroma regionalna ali lokalna raven države ali subjekt javnega sektorja v tretji državi, če imajo navedena sredstva bonitetno oceno imenovane ECAI vsaj stopnje kreditne kakovosti 5 v skladu s členom 114 Uredbe (EU) št. 575/2013 ali enakovredno stopnjo kreditne kakovosti v primeru kratkoročne bonitetne ocene.
Article 12(1)(e) of Commission Delegated Regulation (EU) 2015/61
Člen 12(1)(d) in člen 14 Delegirane uredbe Komisije (EU) 2015/61.
Assets representing exposures in the form of covered bonds issued by credit institutions which comply with Article 12(1)(e) of Commission Delegated Regulation (EU) 2015/61 provided that the pool of underlying assets consist exclusively of exposures which qualify for a 35 % or lower risk weight under Article 125 of Regulation (EU) No 575/2013.
Nečrpani znesek odobrenih okvirnih likvidnostnih kreditov z omejenim dostopom, ki so jih zagotovile centralne banke in so v skladu s členom 14 Delegirane uredbe Komisije (EU) 2015/61.
Articles 12(1)(a) and 13(2)(g)(iii) and (v) of Commission Delegated Regulation (EU) 2015/61
Člen 15(2)(e) Delegirane uredbe Komisije (EU) 2015/61.
Exposures in the form of asset-backed securities which comply with the requirements laid out in Article 13 of Commission Delegated Regulation (EU) 2015/61 provided that they are backed by assets defined in Article 13(2)(g)(iii) and (v) of the same Regulation.
Delnice ali enote v KNP, pri katerih se sredstva, namenjena kritju, štejejo za sredstva stopnje 2B iz točk (i), (ii) in (iv) člena 13(2)(g) Delegirane uredbe Komisije (EU) 2015/61.
Note that for the purpose of Article 13(2)(g)(iii), at least 80 % of the borrowers in the pool shall be SMEs at the time of issuance of the securitisation.
Člen 15(2)(f) Delegirane uredbe Komisije (EU) 2015/61.
Article 12(1)(b) of Commission Delegated Regulation (EU) 2015/61
Delnice ali enote v KNP, pri katerih se sredstva, namenjena kritju, štejejo za sredstva stopnje 2B iz člena 12(1)(e) Delegirane uredbe Komisije (EU) 2015/61.
Corporate debt securities which comply with Article 12(1)(b) of Commission Delegated Regulation (EU) 2015/61
Člen 15(2)(g) Delegirane uredbe Komisije (EU) 2015/61.
Article 12(3) of Commission Delegated Regulation (EU) 2015/61
Delnice ali enote v KNP, katerih se sredstva, namenjena kritju,štejejo za sredstva stopnje 2B iz točk (iii) in (v) člena 13(2)(g) Delegirane uredbe Komisije (EU) 2015/61.
For credit institutions which in accordance with their statutes of incorporation are unable for reasons of religious observance to hold interest bearing assets, the competent authority may allow to derogate from points (ii) and (iii) of paragraph 1(b) of Article 12, provided there is evidence of insufficient availability of non-interest bearing assets meeting these requirements and the non-interest bearing assets in question are adequately liquid in private markets.
Člen 15(2)(h) Delegirane uredbe Komisije (EU) 2015/61.
The above mentioned credit institutions shall report corporate debt securities containing non-interest bearing assets, as mentioned above, as long as they meet requirements of point (i) of paragraph 1(b) of Article 12 and have received proper derogation from their competent authority.
Delnice ali enote v KNP, pri katerih so sredstva, namenjena kritju, podjetniški dolžniški vrednostni papirji, ki so v skladu s členom 12(1)(b) Delegirane uredbe Komisije (EU) 2015/61, delnice, ki so v skladu s členom 12(1)(c) iste uredbe ali neobrestonosna sredstva, ki so v skladu s členom 12(1)(f) iste uredbe.
Article 12(1)(c) of Commission Delegated Regulation (EU) 2015/61
Člen 16(1)(b) Delegirane uredbe Komisije (EU) 2015/61.
Shares, which comply with Article 12(1)(c) of Commission Delegated Regulation (EU) 2015/61 and are denominated in the currency of the credit institution's home Member State.
Najmanjša vloga, ki jo ima kreditna institucija pri centralni kreditni instituciji, če je del institucionalne sheme za zaščito vlog iz člena 113(7) Uredbe (EU) št. 575/2013, mreže, ki je upravičena do opustitve uporabe iz člena 10 iste uredbe, ali zadružne mreže v državi članici, ki je urejena z zakonom ali pogodbo.
Credit institutions shall also report shares complying with Article 12(1)(c) and denominated in a different currency, provided that they are counted as level 2B assets only up to the amount to cover the liquidity outflows in that currency or in the jurisdiction where the liquidity risk is taken.
Kreditne institucije zagotovijo, da centralna institucija ni pravno ali pogodbeno zavezana imeti ali vlagati vloge v likvidna sredstva določene ravni ali kategorije.
Article 12(1)(f) of Commission Delegated Regulation (EU) 2015/61
Člen 16(2) Delegirane uredbe Komisije (EU) 2015/61.
For credit institutions which in accordance with their statutes of incorporation are unable for reasons of religious observance from holding interest bearing assets, non-interest bearing assets constituting a claim on or guaranteed by central banks or by the central government or the central bank of a third country or by a regional government, local authority or public sector entity in a third country, provided that those assets have a credit assessment by a nominated ECAI of at least credit quality step 5 in accordance with Article 114 of Regulation (EU) No 575/2013, or the equivalent credit-quality step in the event of a short-term credit assessment.
Nečrpani znesek omejenega likvidnostnega financiranja, ki je v skladu s členom 16(2) Delegirane uredbe Komisije (EU) 2015/61.
Articles 12(1)(d) and 14 of Commission Delegated Regulation (EU) 2015/61
Sredstva iz te vrstice so sredstva stopnje 2B.
Undrawn amount of restricted-use committed liquidity facilities provided by central banks which comply with Article 14 of Commission Delegated Regulation (EU) 2015/61.
Člen 19(1)(a) Delegirane uredbe Komisije (EU) 2015/61.
Article 15(2)(e) of Commission Delegated Regulation (EU) 2015/61
Če kreditna institucija nima dovolj likvidnih sredstev v določeni valuti, da bi dosegla količnik likvidnostnega kritja, lahko krije primanjkljaj likvidnih sredstev v valuti, tako da ne upošteva operativnih zahtev glede valutne usklajenosti iz člena 8(6) Delegirane uredbe Komisije (EU) 2015/61.
Shares or units in CIUs whose underlying assets correspond to assets that do qualify as level 2B assets as specified in points (i), (ii) and (iv) of Article 13(2)(g) of Commission Delegated Regulation (EC) No 2015/61.
Dodatna sredstva se poročajo kot običajno v njihovem ustreznem oddelku predloge C 72.00 iz Priloge XXIV in skupni znesek sredstev, vključenih zaradi tega alternativnega pristopa k likvidnosti, ker se ne uporablja valutna usklajenost, se navede tukaj.
Article 15(2)(f) of Commission Delegated Regulation (EU) 2015/61
Vloge člana mreže pri centralni instituciji (obvezno vlaganje v sredstva stopnje 1 brez izjemno visokokakovostnih kritih obveznic)
Shares or units in CIUs whose underlying assets correspond to assets that do qualify as level 2B assets as specified in Article 12(1)(e) of Commission Delegated Regulation (EU) 2015/61.
Člen 16(1)(a) Delegirane uredbe Komisije (EU) 2015/61.
Article 15(2)(g) of Commission Delegated Regulation (EU) 2015/61
Kreditne institucije poročajo skupni znesek sredstev stopnje 1 brez izjemno visokokakovostnih kritih obveznic iz prej navedenih oddelkov v skladu z zahtevami iz člena 16(1)(a) Delegirane uredbe Komisije (EU) 2015/61.
Shares or units in CIUs whose underlying assets correspond to assets that do qualify as level 2B assets as specified in points (iii) and (v) of Article 13(2)(g) of Commission Delegated Regulation (EU) 2015/61.
Vloge člana mreže pri centralni instituciji (obvezno vlaganje v sredstva stopnje 1, ki so izjemno visokokakovostne krite obveznice)
Article 15(2)(h) of Commission Delegated Regulation (EU) 2015/61
Kreditne institucije sporočijo skupni znesek sredstev stopnje 1, ki so izjemno visokokakovostne krite obveznice, iz prej navedenih oddelkov v skladu z zahtevami iz člena 16(1)(a) Delegirane uredbe Komisije (EU) 2015/61.
Shares or units in CIUs whose underlying assets correspond to corporate debt securities that comply with Article 12(1)(b) of Commission Delegated Regulation (EU) 2015/61, shares that comply with Article 12(1)(c) of the same Regulation or non-interest bearing assets that comply with Article 12(1)(f) of the same Regulation.
Kreditne institucije sporočijo skupni znesek sredstev stopnje 2A iz prej navedenih oddelkov v skladu z zahtevami iz člena 16(1)(a) Delegirane uredbe Komisije (EU) 2015/61.
Article 16(1)(b) of Commission Delegated Regulation (EU) 2015/61
Kreditne institucije sporočijo skupni znesek sredstev stopnje 2 B iz prej navedenih oddelkov v skladu z zahtevami iz člena 16(1)(a) Delegirane uredbe Komisije (EU) 2015/61.
Minimum deposit that the credit institution maintains with the central credit institution, provided that it is part of an institutional protection scheme referred to in Article 113(7) of Regulation (EU) No 575/2013, a network eligible for the waiver provided in Article 10 of the same Regulation or a cooperative network in a Member State governed by law or contract.
Člen 8(5)(b) Delegirane uredbe Komisije (EU) 2015/61.
Credit institutions shall ensure that the central institution is under no legal or contractual obligation to hold or invest the deposits in liquid assets of specified level or category.
Kreditne institucije sporočijo skupni znesek prilagoditev svojih likvidnih sredstev, sporočenih v oddelkih za stopnjo 1/2A/2B v zvezi z neto denarnimi odlivi zaradi predčasne ukinitve varovanja pred tveganjem v skladu s členom 8(5)(b) Delegirane uredbe Komisije (EU) 2015/61.
Article 16(2) of Commission Delegated Regulation (EU) 2015/61
Kreditne institucije sporočijo skupni znesek prilagoditev svojih likvidnih sredstev, sporočenih v oddelkih za stopnjo 1/2A/2B v zvezi z neto denarnimi prilivi zaradi predčasne ukinitve varovanja pred tveganjem v skladu s členom 8(5)(b) Delegirane uredbe Komisije (EU) 2015/61.
Undrawn amount of limited liquidity funding that complies with Article 16(2) of Commission Delegated Regulation (EU) 2015/61.
Člen 35 Delegirane uredbe Komisije (EU) 2015/61.
Assets referred to in this row are level 2B assets.
Kreditne institucije sporočijo skupni znesek sredstev iz prej navedenih oddelkov, ki so jih izdale kreditne institucije in za katera jamčijo enote centralne ravni države članice v skladu s členom 35 Delegirane uredbe Komisije (EU) 2015/61.
Article 19(1)(a) of Commission Delegated Regulation (EU) 2015/61
Člen 36 Delegirane uredbe Komisije (EU) 2015/61.
Where there are insufficient liquid assets in a given currency for credit institutions to meet the LCR the credit institution may cover the deficit of liquid assets in a currency by disregarding the operational requirements on currency consistency set out in Article 8(6) of Commission Delegated Regulation (EU) 2015/61.
Kreditne institucije sporočijo skupni znesek sredstev iz člena 36 Delegirane uredbe Komisije (EU) 2015/61, sporočenih v prej navedenih oddelkih.
The extra assets shall be reported as normal in their applicable section of template C 72.00 of Annex XXIV and the total amount of assets included due to this Alternative liquidity approach due to not applying currency consistency shall be noted here.
Člen 37 Delegirane uredbe Komisije (EU) 2015/61.
Deposits by network member with central institution (obligated investment in Level 1 excluding extremely high quality covered bonds assets)
Kreditne institucije sporočijo skupni znesek sredstev iz člena 37 Delegirane uredbe Komisije (EU) 2015/61, sporočenih v prej navedenih oddelkih.
Article 16(1)(a) of Commission Delegated Regulation (EU) 2015/61
Člen 8(6), člen 10(1)(d) in člen 12(1)(c) Delegirane uredbe Komisije (EU) 2015/61.
Credit institutions shall report total amount of level 1 assets excluding extremely high quality covered bonds reported in above sections as per the requirements in Article 16(1)(a) of Commission Delegated Regulation (EU) 2015/61.
Institucija sporoči delež sredstev v skladu s členi 8(6), 10(1)(d) in 12(1)(c), ki ga institucija ne pripozna na podlagi določb iz navedenih členov.
Deposits by network member with central institution (obligated investment in Level 1 extremely high quality covered bonds assets)
Člen 8 Delegirane uredbe Komisije (EU) 2015/61.
Credit institutions shall report total amount of level 1 extremely high quality covered bonds assets reported in above sections as per the requirements in Article 16(1)(a) of Commission Delegated Regulation (EU) 2015/61.
Kreditne institucije sporočijo sredstva, ki so v skladu s členom 7 Delegirane uredbe Komisije (EU) 2015/61, vendar ne izpolnjujejo zahtev, določenih v členu 8 iste uredbe, če niso bila sporočena v vrstici 580 zaradi valutnih razlogov.
Credit institutions shall report total amount of level 2A assets reported in above sections as per the requirements in Article 16(1)(a) of Commission Delegated Regulation (EU) 2015/61.
Kreditne institucije sporočijo skupni znesek neobrestonosnih sredstev stopnje 1, ki jih imajo kreditne institucije zaradi verskih razlogov.
Credit institutions shall report total amount of level 2B assets reported in above sections as per the requirements in Article 16(1)(a) of Commission Delegated Regulation (EU) 2015/61.
Kreditne institucije sporočijo skupni znesek neobrestonosnih sredstev stopnje 2A, ki jih imajo kreditne institucije zaradi verskih razlogov.
Article 8(5)(b) of Commission Delegated Regulation (EU) 2015/61
POROČANJE O LIKVIDNOSTI (DEL 2: ODLIVI)
Credit institutions shall report the total amount of adjustments they have made to their liquid assets reported in the sections for Level 1/2A/2B regarding the net cash outflows due to early close-out of hedges in accordance with Article 8(5)(b) of the Commission Delegated Regulation (EU) 2015/61.
To je skrajšana predloga, ki vsebuje informacije o likvidnostnih odlivih, izmerjenih v obdobju naslednjih 30 dni, zaradi poročanja zahtev glede likvidnostnega kritja, kot so določene v Delegirani uredbi Komisije (EU) 2015/61.
Credit institutions shall report the total amount of adjustments they have made to their liquid assets reported in the sections for Level 1/2A/2B regarding the net cash inflows due to early close-out of hedges in accordance with Article 8(5)(b) of the Commission Delegated Regulation (EU) 2015/61.
Te postavke zagotavljajo potrebne informacije, da lahko pristojni organi ustrezno ocenijo, v kolikšni meri kreditne institucije izpolnjujejo likvidnostne zahteve.
Article 35 of Commission Delegated Regulation (EU) 2015/61
V nekaterih primerih predstavljajo podrobnejšo razčlenitev postavk, vključenih v glavne oddelke predloge, medtem ko v drugih primerih odražajo dodatne vire likvidnosti, do katerih imajo lahko dostop kreditne institucije.
Credit institutions shall report total amount of assets issued by credit institutions which benefit from a guarantee from the central government of a Member State in accordance with Article 35 of Commission Delegated Regulation (EU) 2015/61 reported in above sections.
V skladu s členom 22(1) Delegirane uredbe Komisije (EU) 2015/61 za likvidnostne odlive velja, da:
Article 36 of Commission Delegated Regulation (EU) 2015/61
vključujejo navedene kategorije iz člena 22(2) Delegirane uredbe Komisije (EU) 2015/61;
Credit institutions shall report total amount of assets referred to in Article 36 of Commission Delegated Regulation (EU) 2015/61 reported in above sections.
se izračunajo tako, da se neporavnana stanja različnih kategorij obveznosti in zunajbilančnih obveznosti pomnožijo s stopnjami, po katerih naj bi se po pričakovanjih iztekle ali črpale, kot je navedeno v Delegirani uredbi Komisije (EU) 2015/61.
Article 37 of Commission Delegated Regulation (EU) 2015/61
Delegirana uredba Komisije (EU) 2015/61 se nanaša le na stopnje in odbitke, beseda ‚utež‘ se nanaša samo na te.
Credit institutions shall report total amount of assets referred to in Article 37 of Commission Delegated Regulation (EU) 2015/61 reported in above sections.
Odlivi znotraj skupine ali institucionalne sheme za zaščito vlog (razen odlivov iz naslova nečrpanih okvirnih kreditov ali okvirnih likvidnostnih kreditov, ki jih zagotovijo člani skupine ali institucionalne sheme za zaščito vlog, za katere je pristojni organ dovolil uporabo ugodnejše stopnje odliva, in odlivov iz naslova vlog za operativne namene, vzdrževanih v okviru institucionalne sheme za zaščito vlog ali zadružne mreže) se poročajo v ustreznih kategorijah.
Articles 8(6), 10(1)(d) and 12(1)(c) of Commission Delegated Regulation (EU) 2015/61
Ti odlivi se poročajo tudi ločeno kot pojasnjevalne postavke.
Institution shall report the portion of assets complying with Article 8(6), 10(1)(d) and Article 12(1)(c) that is not recognisable by institution under the provisions set out in those Articles.
Likvidnostni odlivi se poročajo v predlogi le enkrat, razen če se uporabljajo dodatni odlivi v skladu s členom 30 Delegirane uredbe Komisije (EU) 2015/61 ali če je postavka tudi pojasnjevalna postavka.
Article 8 of Commission Delegated Regulation (EU) 2015/61
Poročanje pojasnjevalnih postavk ne vpliva na izračun likvidnostnih odlivov.
Credit institutions shall report assets complying with Article 7 of the Commission Delegated Regulation (EU) 2015/61 but that do not meet the requirements specified in Article 8 of the same regulation, provided that they have not been reported in row 580 for currency reasons.
Pri poročanju v pomembni valuti se vedno uporablja naslednje:
Credit institutions shall report the total amount of Level 1 non-interest bearing assets (held by credit institutions for religious reasons).
poročajo se le postavke in tokovi, denominirani v navedeni valuti;
Credit institutions shall report the total amount of Level 2A non-interest bearing assets (held by credit institutions for religious reasons).
v primeru valutne neusklajenosti med različnimi stranmi (leg) posla, se poroča le stran posla v navedeni valuti;
REPORTING ON LIQUIDITY (PART 2 OUTFLOWS)
če Delegirana uredba Komisije (EU) 2015/61 dovoljuje pobot se lahko uporabi le za tokove v navedeni valuti;
This is a summary template which contains information about liquidity outflows measured over the next 30 days, for the purpose of reporting the liquidity coverage requirement as specified in Commission Delegated Regulation (EU) 2015/61.
če ima tok možnost več valut, kreditna institucija oceni, v kateri valuti ga je mogoče pričakovati, in poroča postavko samo v navedeni pomembni valuti.
These items provide necessary information to allow the competent authorities complete an adequate assessment of credit institutions' compliance with the liquidity requirements.
Standardne uteži v stolpcu 040 predloge C 73.00 iz Priloge XXIV so tiste, navedene kot privzete v Delegirani uredbi Komisije (EU) 2015/61, in so tukaj na voljo za informacijo.
In some cases they represent a more granular breakdown of the items included in the main sections of the templates while in other cases they reflect additional liquidity resources credit institutions may have access to.
Predloga vsebuje informacije o zavarovanih likvidnostnih tokovih, ki se v Delegirani uredbi Komisije (EU) 2015/61 imenujejo ‚zavarovani kreditni posli in posli z instrumenti kapitalskega trga‘, ter za izračun količnika likvidnostnega tveganja, kot je določen v navedeni uredbi.
In accordance with Article 22(1) of Commission Delegated Regulation (EU) 2015/61, liquidity outflows shall:
Za zamenjave zavarovanja je na voljo ločena predloga C 75.00 iz Priloge XXIV.
i. include those categories referred to in Article 22(2) of Commission Delegated Regulation (EU) 2015/61
Zamenjave zavarovanja, ki so posli vrste ‚zavarovanje s premoženjem za zavarovanje s premoženjem‘, se ne poročajo v predlogi o odlivih C 73.00 iz Priloge XXIV, ki zajema le posle vrste ‚gotovina za zavarovanje s premoženjem‘.
be calculated by multiplying the outstanding balances of various categories 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 Commission Delegated Regulation (EU) 2015/61.
Posebne opombe v zvezi s poravnavo in terminskimi začetnimi posli
Commission Delegated Regulation (EU) 2015/61 only refers to rates and haircuts, and the word “weight” just refers to these.
Kreditne institucije poročajo odlive, ki izhajajo iz terminskih začetnih repo poslov, povratnih repo poslov in zamenjav zavarovanja, ki se začnejo v 30 dneh in zapadejo enkrat po obdobju 30 dni, kadar začetna stran posla ustvari odliv.
Outflows within a group or an institutional protection scheme (except for outflows from undrawn credit or liquidity facilities provided by members of a group or an institutional protection scheme where the competent authority has granted permission to apply a preferential outflow rate and outflows from operational deposits maintained in the context of an institutional Protection Scheme or a cooperative network) shall be reported in the relevant categories.
V primeru povratnih repo poslov se znesek, ki se posodi nasprotni stranki, šteje kot odliv in poroča v postavki 1.1.7.3., in sicer brez tržne vrednosti sredstva, ki naj bi bilo prejeto kot zavarovanje s premoženjem, in po uporabi zadevnega odbitka LCR, če se sredstvo šteje za likvidno sredstvo.
These outflows shall also be separately reported as memorandum items.
Če je znesek, ki se posodi, nižji od tržne vrednosti sredstva (po odbitku LCR), ki naj bi bilo prejeto kot zavarovanje s premoženjem, se razlika poroča kot priliv.
The liquidity outflows shall be reported only once in the template unless additional outflows according to article 30 of the Commission Delegated Regulation (EU) 2015/61 are applicable or where the item is also a memorandum item.
Če se zavarovanje s premoženjem, ki naj bi bilo prejeto, ne šteje za likvidno sredstvo, se odliv poroča v celoti.
The reporting of the memorandum items does not affect the calculations of liquidity outflows.
Terminski repo posli, terminski povratni repo posli in terminske zamenjave zavarovanja, ki se začnejo in zapadejo v 30-dnevnem obdobju LCR, nimajo nobenega učenka na LCR banke in se lahko zanemarijo.
When reporting in a significant currency, the following shall always apply:
Drevo odločanja za oddelek 1 predloge C 73.00 iz Priloge XXIV; drevo odločanja ne posega v poročanje pojasnjevalnih postavk.
only items and flows denominated in that currency shall be reported;
Drevo odločanja je del navodil za določitev, kako se prednostno razvrstijo merila za ocenjevanje za razvrstitev vsake sporočene postavke v ustrezno kategorijo, da se zagotovi homogeno in primerljivo poročanje.
in case of currency mismatch between legs of a transaction, only the leg in that currency shall be reported;
Drevo odločanja pa samo po sebi ni dovolj in kreditne institucije morajo vedno upoštevati preostala navodila.
where the Commission Delegated Regulation (EU) 2015/61 allows netting it may only be applied to flows in that currency;
Delegirana uredba se nanaša na Delegirano uredbo Komisije (EU) 2015/61.
The standard weights in column 040 of template C 73.00 of Annex XXIV are those specified in the Commission Delegated Regulation (EU) 2015/61 by default and are provided here for information.
Poročanje
The template contains information about collateralised liquidity flows, referred to as “secured lending and capital-market driven transactions” in Commission Delegated Regulation (EU) 2015/61, and for the purpose of calculating LCR as defined in that regulation.
Terminski začetni posel
A separate template is provided for collateral swaps, C 75.00 of Annex XXIV.
Terminski posel, sklenjen po datumu poročanja;
Collateral swaps, which are collateral-versus-collateral transactions shall not be reported on the outflow template C 73.00 of Annex XXIV, which only covers cash- versus-collateral transactions.
Ne poročajte