natgillin/translations-raw huggingface dataset:
For those purposes, an asset shall be deemed to be unencumbered where the credit institution is not subject to any legal, contractual, regulatory or other restriction preventing it from liquidating, selling, transferring, assigning or, generally, disposing of such asset via active outright sale or repurchase agreement within the following 30 calendar days.
Za neobremenjena sredstva se štejejo naslednja sredstva:
The following assets shall be deemed to be unencumbered:
sredstva, vključena v skupino, ki so na voljo za takojšno uporabo kot zavarovanje s premoženjem za pridobitev dodatnega financiranja na podlagi odobrenih kreditnih linij, ki jih ima na voljo kreditna institucija, ki pa še niso financirane.
assets included in a pool which are available for immediate use as collateral to obtain additional funding under committed but not yet funded credit lines available to the credit institution.
To vključuje sredstva, ki jih ima kreditna institucija pri kreditni instituciji v zadružni mreži ali institucionalni shemi za zaščito vlog.
This shall include assets placed by a credit institution with the central institution in a cooperative network or institutional protection scheme.
Kreditne institucije predpostavljajo, da so sredstva v skupini obremenjena, da se poveča likvidnost na podlagi razvrstitve likvidnosti iz poglavja 2, pri čemer začnejo s sredstvi, ki niso primerna za likvidnostni blažilnik;
Credit institutions shall assume that assets in the pool are encumbered in order of increasing liquidity on the basis of the liquidity classification set out in Chapter 2, starting with assets ineligible for the liquidity buffer;
sredstva, ki jih je kreditna institucija prejela kot zavarovanje s premoženjem za namene zmanjševanja kreditnega tveganja pri repo poslih ali financiranja z vrednostnimi papirji, ter ki jih kreditna institucija lahko odtuji.
assets that the credit institution has received as collateral for credit risk mitigation purposes in reverse repo or securities financing transactions and that the credit institution may dispose of.
Sredstev ne izdajo sama kreditna institucija, njena nadrejena oseba, ki ni subjekt javnega sektorja, ki ni kreditna institucija, njena podrejena družba ali druga podrejena družba nadrejene osebe ali subjekt s posebnim namenom pri listinjenju, s katerim ima kreditna institucija tesne povezave.
The assets shall not have been issued by the credit institution itself, its parent undertaking, other than a public sector entity that is not a credit institution, its subsidiary or another subsidiary of its parent undertaking or by a securitisation special purpose entity with which the credit institution has close links;
Sredstev ne izda:
The assets shall not have been issued by any of the following:
druga kreditna institucija, razen če je izdajatelj subjekt javnega sektorja iz točke (c) člena 10(1) in točk (a) in (b) člena 11(1), če je sredstvo krita obveznica iz točke (f) člena 10(1) ter točk (c) in (d) člena 11(1) ali če sredstvo spada v kategorijo, ki je opisana v točki (e) člena 10(1);
another credit institution, unless the issuer is a public sector entity referred to in point (c) of Article 10(1) and in points (a) and (b) of Article 11(1), the asset is a covered bond referred to in point (f) of Article 10(1) and points (c) and (d) of Article 11(1) or the asset belongs to the category described in point (e) of Article 10(1);
finančni holding;
a financial holding company;
mešani finančni holding;
a mixed financial holding company;
kateri koli drug subjekt, ki opravlja eno ali več dejavnosti, navedenih v Prilogi I k Direktivi 2013/36/EU.
any other entity that performs one or more of the activities listed in Annex I to Directive 2013/36/EU.
Za namene tega člena se za SSPE šteje, da ne spadajo med subjekte iz te točke.
For the purposes of this Article, SSPEs shall be deemed not included within the entities referred to in this point.
Vrednost sredstev se lahko določi na podlagi zelo razširjenih in zlahka dostopnih tržnih cen.
The value of the assets shall be capable of being determined on the basis of widely disseminated and easily available market prices.
Ob odsotnosti tržnih cen se vrednost sredstev lahko določi na podlagi formule, ki jo je enostavno izračunati in ki uporablja javno dostopne vhodne podatke ter ni zelo odvisna od velikih predpostavk.
In the absence of market-based prices, the value of the assets must be capable of being determined on the basis of an easy-to-calculate formula that uses publicly available inputs and is not significantly dependent upon strong assumptions.
Sredstva kotirajo na priznani borzi ali se z njimi trguje na podlagi dokončne prodaje na aktivnih trgih ali z enostavnim repo poslom na splošno sprejetih trgih repo poslov.
The assets shall be listed on a recognised exchange or tradable via active outright sale or via simple repurchase transaction on generally accepted repurchase markets.
Ta merila se ocenijo za vsak trg posebej.
These criteria shall be assessed separately for each market.
Sredstva, sprejeta v trgovanje na organiziranem mestu, ki ni priznana borza, bodisi v državi članici bodisi v tretji državi, se štejejo za likvidna samo, kadar je mesto trgovanja aktiven in večji trg za dokončno prodajo sredstev.
An asset admitted to trading in an organised venue which is not a recognised exchange, either in a Member State or in a third country, shall be deemed liquid only where the trading venue provides for an active and sizable market for outright sales of assets.
Kreditna institucija upošteva naslednja najmanjša merila, s katerimi oceni, ali je mesto trgovanja aktiven in večji trg za namene tega odstavka:
The credit institution shall take into account the following as minimum criteria to assess whether a trading venue provides for an active and sizeable market for the purposes of this paragraph:
pretekle dokaze o obsegu in razvitosti trga, kot ju dokazujejo majhni razmiki med nakupno in prodajno ceno, velik obseg trgovanja ter veliko število raznolikih udeležencev na trgu;
historical evidence of market breadth and depth as proven by low bid-ask spreads, high trading volume and a large and diverse number of market participants;
prisotnost zanesljive tržne infrastrukture.
the presence of a robust market infrastructure.
Zahteve iz odstavkov 5 in 6 ne veljajo za:
The requirements laid down in paragraphs 5 and 6 shall not apply to:
bankovce in kovance iz točke (a) člena 10(1);
banknotes and coins referred to in point (a) of Article 10(1);
izpostavljenosti do centralnih bank iz točk (b) in (d) člena 10(1) ter točke (b) člena 11(1);
the exposures to central banks referred to in points (b) and (d) of Article 10(1) and in point (b) of Article 11(1);
odobrene okvirne likvidnostne kredite z omejenim dostopom iz točke (d) člena 12(1);
the restricted-use committed liquidity facility referred to in point (d) of Article 12(1);
vloge ter drugo financiranje v zadružnih mrežah in institucionalnih shemah za zaščito vlog iz člena 16.
the deposits and other funding in cooperative networks and institutional protection schemes referred to in Article 16.
Člen 8
Article 8
Operativne zahteve
Operational requirements
Kreditne institucije imajo vzpostavljene politike in limite za zagotavljanje, da deleži likvidnih sredstev, ki sestavljajo njihov likvidnostni blažilnik, vedno ostanejo ustrezno razpršeni.
Credit institutions shall have policies and limits in place to ensure that the holdings of liquid assets comprising their liquidity buffer remain appropriately diversified at all times.
Za te namene kreditne institucije upoštevajo raven razpršenosti med različnimi kategorijami likvidnih sredstev in znotraj iste kategorije likvidnih sredstev iz poglavja 2 tega naslova ter druge relevantne dejavnike v zvezi z razpršenostjo, kot so vrste izdajateljev, nasprotne stranke ali geografska lokacija navedenih izdajateljev in nasprotnih strank.
For those purposes, credit institutions shall take into account the extent of diversification between the various categories of liquid assets and within the same category of liquid assets referred to in Chapter 2 of this Title and any other relevant diversification factors, such as types of issuers, counterparties or the geographical location of those issuers and counterparties.
Pristojni organi lahko uvedejo posebne omejitve ali zahteve glede imetij likvidnih sredstev kreditne institucije, da se zagotovi skladnost z zahtevo iz tega odstavka.
Competent authorities may impose specific restrictions or requirements on a credit institution's holdings of liquid assets to ensure compliance with the requirement set out in this paragraph.
Vendar taka omejitev ali zahteva ne velja za:
Any such restriction or requirement, however, shall not apply to:
naslednje kategorije sredstev stopnje 1:
the following categories of level 1 assets:
bankovce in kovance iz člena 10(1)(a);
banknotes and coins referred to in Article 10(1)(a);
izpostavljenosti do centralnih bank iz členov 10(1)(b) in (d);
the exposures to central banks as referred to in Articles 10(1)(b) and (d);
sredstva, ki predstavljajo terjatve do multilateralnih razvojnih bank in mednarodnih organizacij ali terjatve, za katere te jamčijo, iz člena 10(1)(g);
assets representing claims on or guaranteed by the multilateral developments banks and international organisations referred to in Article 10(1)(g);
kategorije sredstev stopnje 1, ki predstavljajo terjatve do enot centralne, regionalne ali lokalne ravni države ali subjektov javnega sektorja ali terjatve, za katere te jamčijo, iz členov 10(1)(c) in (d), če ima kreditna institucija ustrezna sredstva za kritje neto likvidnostnih odlivov v stresnih razmerah v valuti države članice ali tretje države ali če sredstva izdajo enote centralne, regionalne ali lokalne ravni države ali subjekti javnega sektorja matične države članice kreditne institucije;
the categories of level 1 assets representing claims on or guaranteed by the central or regional governments, local authorities or public sector entities referred to Article 10(1)(c) and (d), provided that the credit institution holds the relevant asset to cover stressed net liquidity outflows incurred in the currency of the Member State or third country or the asset is issued by the central or regional governments, local authorities or public sector entities of the credit institution's home Member State;
odobrene okvirne likvidnostne kredite z omejenim dostopom iz točke (d) člena 12(1).
the restricted-use committed liquidity facility referred to in point (d) of Article 12(1).
Kreditne institucije imajo neposreden dostop do svojih imetij likvidnih sredstev ter jih lahko z dokončno prodajo ali repo poslom unovčijo kadar koli v stresnem obdobju, ki traja 30 koledarskih dni, na splošno sprejetih trgih repo poslov.
Credit institutions shall have ready access to their holdings of liquid assets and be able to monetise them at any time during the 30 calendar day stress period via outright sale or repurchase agreement on generally accepted repurchase markets.
Kreditna institucija ima lahek in hiter dostop do likvidnih sredstev, če ni pravnih ali praktičnih ovir za njeno zmožnost, da tako sredstvo pravočasno unovči.
A liquid asset shall be deemed readily accessible to a credit institution where there are no legal or practical impediments to the credit institution's ability to monetise such an asset in a timely fashion.
Sredstva, ki se uporabljajo za izboljšanje kreditne kakovosti v strukturiranih poslih ali za kritje operativnih stroškov kreditnih institucij, se ne štejejo za sredstva, do katerih ima kreditna institucija lahek in hiter dostop.
Assets used to provide credit enhancement in structured transactions or to cover operational costs of the credit institutions shall not be deemed as readily accessible to a credit institution.
Sredstva, ki se držijo v tretji državi, v kateri obstajajo omejitve v zvezi z njihovo prosto prenosljivostjo, se štejejo za lahko in hitro dostopna le, če kreditna institucija uporablja ta sredstva za kritje svojih likvidnostnih odlivov v navedeni tretji državi.
Assets held in a third country where there are restrictions to their free transferability shall be deemed readily accessible only insofar as the credit institution uses those assets to meet liquidity outflows in that third country.
Sredstva v nekonvertibilni valuti se štejejo za lahko in hitro dostopna le, če kreditna institucija uporablja ta sredstva za kritje svojih likvidnostnih odlivov v navedeni valuti.
Assets held in a non-convertible currency shall be deemed readily accessible only insofar as the credit institution uses those assets to meet liquidity outflows in that currency.
Kreditne institucije zagotovijo, da njihova likvidna sredstva nadzoruje posebna služba za upravljanje z likvidnostjo v kreditni instituciji.
Credit institutions shall ensure that their liquid assets are under the control of a specific liquidity management function within the credit institution.
Izpolnjevanje te zahteve se pristojnemu organu dokaže na enega od naslednjih načinov:
Compliance with this requirement shall be demonstrated to the competent authority either by:
likvidna sredstva se uvrstijo v ločeno skupino, ki jo neposredno upravlja služba za upravljanje z likvidnostjo z izključnim namenom, da jih uporabi kot vir rezervnih finančnih sredstev, vključno med stresnimi obdobji;
placing the liquid assets in a separate pool under the direct management of the liquidity function and with the sole intent of using them as a source of contingent funds, including during stress periods;
vzpostavijo se notranji sistemi in kontrole, s katerimi se službi za upravljanje z likvidnostjo podeli dejanski operativni nadzor, da lahko unovči imetja likvidnih sredstev kadar koli v stresnem obdobju, ki traja 30 koledarskih dni, in za dostop do rezervnih finančnih sredstev, ne da bi to bilo neposredno v nasprotju s kakršnimi koli poslovnimi strategijami ali strategijami za upravljanje tveganja.
putting in place internal systems and controls to give the liquidity management function effective operational control to monetise the holdings of liquid assets at any point in the 30 calendar day stress period and to access the contingent funds without directly conflicting with any existing business or risk management strategies.
Zlasti se v likvidnostni blažilnik ne vključijo sredstva, katerih prodaja bi v stresnem obdobju, ki traja 30 koledarskih dni, brez njihove nadomestitve privedla do ukinitve varovanja pred tveganjem, kar bi ustvarilo odprto pozicijo tveganja, ki bi presegla notranje omejitve kreditne institucije;
In particular, an asset shall not be included in the liquidity buffer where its sale without replacement throughout the 30 calendar day stress period would remove a hedge that would create an open risk position in excess of the internal limits of the credit institution;
uporabi se kombinacija možnosti (a) in (b), če pristojni organ meni, da je taka kombinacija sprejemljiva.
a combination of options (a) and (b), provided that the competent authority has deemed such combination acceptable.
Kreditne institucije redno in vsaj enkrat letno unovčijo dovolj reprezentativen vzorec svojih deležev likvidnih sredstev z dokončno prodajo ali enostavnim repo poslom na splošno sprejetem trgu repo poslov.
Credit institutions shall regularly, and at least once a year, monetise a sufficiently representative sample of their holdings of liquid assets by means of outright sale or simple repurchase agreement on a generally accepted repurchase market.
Kreditne institucije razvijejo strategije za odtujitev vzorcev likvidnih sredstev, ki so primerni za:
Credit institutions shall develop strategies for disposing of samples of liquid assets which are adequate to:
testiranje dostopa do trga za navedena sredstva ter njihove uporabnosti;
test the access to the market for those assets and their usability;
preverjanje, ali so procesi kreditne institucije za pravočasno unovčitev sredstev učinkoviti;
check that the credit institution's processes for the timely monetisation of assets are effective;
čim večje zmanjševanje tveganja, da se na trgu unovčitev sredstev kreditne institucije med stresnimi obdobji dojema negativno.
minimise the risk of sending a negative signal to the market as a result of the credit institution's monetising its assets during stress periods.
Zahteva iz prvega pododstavka ne velja za sredstva stopnje 1 iz člena 10, ki niso izjemno visokokakovostne krite obveznice, odobrene okvirne likvidnostne kredite z omejenim dostopom iz pododstavka (d) člena 12(1) ali vloge in drugo likvidnostno financiranje v zadružnih mrežah in institucionalnih shemah za zaščito vlog iz člena 16.
The requirement laid down in the first subparagraph shall not apply to level 1 assets referred to in Article 10, other than extremely high quality covered bonds, to the restricted-use committed liquidity facility referred to in subparagraph (d) of Article 12(1) or to the deposits and other liquidity funding in cooperatives networks and institutional protection schemes referred to in Article 16.
Zahteva iz odstavka 2 kreditnim institucijam ne preprečuje varovanja pred tržnim tveganjem, ki je povezano z njihovimi likvidnimi sredstvi, če so izpolnjeni naslednji pogoji:
The requirement set out in paragraph 2 shall not prevent credit institutions from hedging the market risk associated with their liquid assets provided that the following conditions are met:
kreditna institucija vzpostavi ustrezne notranje dogovore v skladu z odstavkoma 2 in 3 za zagotavljanje, da so navedena sredstva še naprej lahko in hitro dostopna in pod nadzorom službe za upravljanje z likvidnostjo;
the credit institution puts in place appropriate internal arrangements in accordance with paragraphs 2 and 3 to ensure that those assets continue to be readily available and under the control of the liquidity management function;
neto likvidnostni odlivi in prilivi, ki nastanejo zaradi predčasne ukinitve varovanja pred tveganjem, se upoštevajo pri vrednotenju relevantnih sredstev v skladu s členom 9.
the net liquidity outflows and inflows that would result in the event of an early close-out of the hedge are taken into account in the valuation of the relevant asset in accordance with Article 9.
Kreditne institucije zagotovijo, da je valutna denominacija njihovih likvidnih sredstev usklajena z razporeditvijo njihovih neto likvidnostnih odlivov po valutah.
Credit institutions shall ensure that the currency denomination of their liquid assets is consistent with the distribution by currency of their net liquidity outflows.
Vendar lahko pristojni organi od kreditnih institucij po potrebi zahtevajo, da omejijo valutno neusklajenost z določitvijo limitov za delež neto likvidnostnih odlivov v določeni valuti, ki se lahko v stresnem obdobju pokrije z deležem likvidnih sredstev, ki niso denominirana v navedeni valuti.
However, where appropriate, competent authorities may require credit institutions to restrict currency mismatch by setting limits on the proportion of net liquidity outflows in a currency that can be met during a stress period by holding liquid assets not denominated in that currency.
Taka omejitev se lahko uporablja samo za valuto poročanja ali valuto, za katero velja ločeno poročanje v skladu s členom 415(2) Uredbe (EU) št. 575/2013.
That restriction may only be applied for the reporting currency or a currency that may be subject to separate reporting in accordance with Article 415(2) of Regulation (EU) No 575/2013.
Pri določanju stopnje morebitne omejitve glede valutne neusklajenosti, ki se lahko uporablja v skladu s tem odstavkom, pristojni organi upoštevajo vsaj:
In determining the level of any restriction on currency mismatch that may be applied in accordance with this paragraph, competent authorities shall at least have regard to:
ali ima kreditna institucija zmožnost, da:
whether the credit institution has the ability to do any of the following:
uporabi likvidna sredstva za ustvarjanje likvidnosti v valuti in jurisdikciji, iz katere izhajajo neto likvidnostni odlivi;
use the liquid assets to generate liquidity in the currency and jurisdiction in which the net liquidity outflows arise;
izvede valutne zamenjave in zbere finančna sredstva na trgih tujih valut v stresnih pogojih, ki so skladni s stresnim obdobjem, ki traja 30 koledarskih dni, iz člena 4;
swap currencies and raise funds in foreign currency markets during stressed conditions consistent with the 30 calendar day stress period set out in Article 4;
prenese likvidnostni presežek iz ene valute v drugo ter med jurisdikcijami in pravnimi osebami znotraj njene skupine v stresnih pogojih, ki so skladni s stresnim obdobjem, ki traja 30 koledarskih dni, iz člena 4;
transfer a liquidity surplus from one currency to another and across jurisdictions and legal entities within its group during stressed conditions consistent with the 30 calendar day stress period set out in Article 4;
učinek nenadnih, negativnih gibanj menjalnega tečaja na obstoječe pozicije z valutno neusklajenostjo in učinkovitost vseh vzpostavljenih varovanj pred tveganjem v tuji valuti.
the impact of sudden, adverse exchange rate movements on existing mismatched positions and on the effectiveness of any foreign exchange hedges in place.
Za vse omejitve valutne neusklajenosti, naložene v skladu s tem odstavkom, se šteje, da pomenijo posebno zahtevo glede likvidnosti iz člena 105 Direktive 2013/36/EU.
Any restriction on currency mismatch imposed in accordance with this paragraph shall be deemed to constitute a specific liquidity requirement as referred to in Article 105 of Directive 2013/36/EU.
Člen 9
Article 9
Vrednotenje likvidnih sredstev
Valuation of Liquid Assets
Kreditna institucija za namene izračuna svojega količnika likvidnostnega kritja uporablja tržno vrednost svojih likvidnih sredstev.
For the purposes of calculating its liquidity coverage ratio, a credit institution shall use the market value of its liquid assets.
Tržna vrednost likvidnih sredstev se po potrebi zmanjša v skladu z odbitki iz poglavja 2 in člena 8(5)(b).
The market value of liquid assets shall be reduced in accordance with the haircuts set out in Chapter 2 and with Article 8(5)(b), where applicable.
POGLAVJE 2
CHAPTER 2
Likvidna sredstva
Liquid Assets
Člen 10
Article 10
Sredstva stopnje 1
Level 1 assets
Sredstva stopnje 1 vključujejo samo sredstva, ki spadajo v eno ali več naslednjih kategorij in v vsakem primeru izpolnjujejo merila primernosti, ki so določena v tej uredbi:
Level 1 assets shall only include assets falling under one or more of the following categories and meeting in each case the eligibility criteria laid down herein:
kovanci in bankovci;
coins and banknotes;
naslednje izpostavljenosti do centralnih bank:
the following exposures to central banks:
sredstva, ki predstavljajo terjatve do Evropske centralne banke (ECB) ali centralne banke države članice ali terjatve, za katere ta institucija jamči;
assets representing claims on or guaranteed by the European Central Bank (ECB) or a Member State's central bank;
sredstva, ki predstavljajo terjatve do centralnih bank tretjih držav ali terjatve, za katere te centralne banke jamčijo, če je bila izpostavljenostim do centralne banke ali enot centralne ravni države dodeljena bonitetna ocena imenovane zunanje bonitetne agencije (v nadaljnjem besedilu: ECAI) vsaj kreditne kakovosti 1 v skladu s členom 114(2) Uredbe (EU) št. 575/2013;
assets representing claims on or guaranteed by central banks of third countries, provided that exposures to the central bank or its central government are assigned a credit assessment by a nominated external credit assessment institution (ECAI) which is at least credit quality step 1 in accordance with Article 114(2) of Regulation (EU) No 575/2013;
rezerve, ki jih ima kreditna institucija v centralni banki iz točk (i) in (ii), če lahko kreditna institucija dvigne take rezerve kadar koli v stresnih obdobjih in če so bili pogoji za tak dvig določeni v sporazumu med zadevnim pristojnim organom in ECB ali centralno banko;