natgillin/translations-raw huggingface dataset:
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.
dstotni odbitek za podjetniške dolžniške vrednostne papirje iz odstavka 1(b);
The market value of each of the level 2B assets shall be subject to the following minimum haircuts:
dstotni odbitek za delnice iz odstavka 1(c);
the applicable haircut set out in Article 13(14) for level 2B securitisations;
dstotni odbitek za programe ali izdaje kritih obveznic iz odstavka 1(e);
a 50 % haircut for corporate debt securities referred to in paragraph (1)(b);
dstotni odbitek za neobrestonosna sredstva iz odstavka 1(f).
a 50 % haircut for shares referred to in paragraph 1(c);
Za kreditne institucije, ki v skladu z njihovim statutom iz verskih razlogov ne smejo držati obrestonosnih sredstev, lahko pristojni organ dovoli odstopanje od točk (ii) ali (iii) odstavka 1(b) tega člena, če obstajajo dokazi o nezadostni razpoložljivosti neobrestonosnih sredstev, ki izpolnjujejo te zahteve, in če so zadevna neobrestonosna sredstva dovolj likvidna na zasebnih trgih.
a 30 % haircut for covered bond programmes or issues referred to in paragraph (1)(e);
Pri določanju, ali so neobrestonosna sredstva dovolj likvidna za namene prvega pododstavka, pristojni organ upošteva naslednje dejavnike:
a 50 % haircut for non-interest bearing assets referred to in paragraph 1(f).
druge dejavnike, ki so relevantni za njihovo likvidnost, vključno s preteklimi podatki o obsegu in razvitosti trga za navedena neobrestonosna sredstva, številom in raznovrstnostjo udeležencev na trgu in obstojem zanesljive tržne infrastrukture.
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 this Article, 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 13
the available data in respect of their market liquidity, including trading volumes, observed bid-offer spreads, price volatility and price impact;
Izpostavljenosti v obliki vrednostnih papirjev s premoženjskim kritjem iz člena 12(1)(a) se štejejo za listinjenja stopnje 2B, če izpolnjujejo merila iz odstavkov 2–14.
other factors relevant to their liquidity, including the historical evidence of the breadth and depth of the market for those non-interest bearing assets, the number and diversity of market participants and the presence of a robust market infrastructure.
Pozicija v listinjenju in izpostavljenosti, na katerih temelji pozicija, izpolnjujejo vse naslednje zahteve:
Article 13
poziciji je bila dodeljena bonitetna ocena imenovane ECAI vsaj kreditne kakovosti 1 v skladu s členom 251 ali 261 Uredbe (EU) št. 575/2013 ali enakovredna kreditna kakovost v primeru kratkoročne bonitetne ocene;
Level 2B securitisations
pozicija je v najbolj nadrejeni tranši ali tranšah listinjenja in ima vseskozi med trajanjem posla največjo prednost pri poplačilu.
Exposures in the form of asset-backed securities referred to in Article 12(1)(a) shall qualify as level 2B securitisations where they meet the criteria laid down in paragraphs 2 to 14.
Za te namene se tranša šteje za najbolj nadrejeno, če po obvestilu o izvršbi in, če je ustrezno, zahtevi po takojšnem plačilu tranša ni podrejena drugim tranšam istega posla ali sheme listinjenja glede prejemanja plačil iz glavnice in obresti, ne da bi se upoštevali zapadli zneski, nastali na osnovi pogodb o obrestnih ali valutnih izvedenih finančnih instrumentih, provizij ali podobnih drugih plačil v skladu s členom 261 Uredbe (EU) št. 575/2013;
The securitisation position and the exposures underlying the position shall meet all the following requirements:
osnovno izpostavljenost je pridobil SSPE v smislu člena 4(1)(66) Uredbe (EU) št. 575/2013 na način, ki je izvršljiv proti kateri koli tretji osebi in ni dosegljiv za prodajalca (originatorja, sponzorja ali prvotnega kreditodajalca) in njegove upnike, vključno v primeru insolventnosti prodajalca;
the position has been assigned a credit assessment by a nominated ECAI which is at least credit quality step 1 in accordance with Articles 251 or 261 of Regulation (EU) No 575/2013 or the equivalent credit quality step in the event of a short term credit assessment;
za prenos osnovnih izpostavljenosti SSPE ne veljajo nikakršne stroge določbe o vračilu sredstev v jurisdikciji, v kateri ima prodajalec (originator, sponzor, prvotni kreditodajalec) sedež.
the position is in the most senior tranche or tranches of the securitisation and possesses the highest level of seniority at all times during the ongoing life of the transaction.
To med drugim vključuje tudi določbe, v skladu s katerimi lahko likvidacijski upravitelj prodajalca (originatorja, sponzorja ali prvotnega kreditodajalca) razveljavi prodajo osnovnih izpostavljenosti samo, če je bila sklenjena v določenem obdobju pred razglasitvijo insolventnosti podajalca, ali na podlagi določb, v skladu s katerimi lahko SSPE tako razveljavitev prepreči samo, če lahko dokaže, da ob prodaji ni bil seznanjen z insolventnostjo prodajalca;
For these purposes, a tranche shall be deemed to be the most senior where after the delivery of an enforcement notice and where applicable an acceleration notice, the tranche is not subordinated to other tranches of the same securitisation transaction or scheme in respect of receiving principal and interest payments, without taking into account amounts due under interest rate or currency derivative contracts, fees or other similar payments in accordance with Article 261 of Regulation (EU) No 575/2013;
upravljanje osnovnih izpostavljenosti poteka s pogodbo o servisiranju, ki vključuje določbe o neprekinjenosti servisiranja, s katerimi se zagotavlja najmanj to, da se zaradi neizpolnjevanja obveznosti ali insolventnosti serviserja servisiranje ne prekine;
the underlying exposures have been acquired by the SSPE within the meaning of Article 4(1)(66) of Regulation (EU) No 575/2013 in a manner that is enforceable against any third party and are beyond the reach of the seller (originator, sponsor or original lender) and its creditors including in the event of the seller's insolvency;
dokumentacija, ki ureja listinjenje, vključuje določbe o neprekinjenosti, ki po potrebi zagotavljajo najmanj nadomestitev nasprotnih strank pri izvedenih finančnih instrumentih in ponudnikov likvidnosti v primeru njihovega neizpolnjevanja obveznosti ali insolventnosti;
the transfer of the underlying exposures to the SSPE may not be subject to any severe clawback provisions in the jurisdiction where the seller (originator, sponsor or original lender) is incorporated.
pozicija v listinjenju je krita s skupino homogenih osnovnih izpostavljenosti, ki vse spadajo samo v eno od naslednjih podkategorij, ali s skupino homogenih osnovnih izpostavljenosti, ki združuje stanovanjske kredite iz točk (i) in (ii):
This includes but is not limited to provisions under which the sale of the underlying exposures can be invalidated by the liquidator of the seller (originator, sponsor or original lender) solely on the basis that it was concluded within a certain period before the declaration of the seller's insolvency or provisions where the SSPE can prevent such invalidation only if it can prove that it was not aware of the insolvency of the seller at the time of sale;
stanovanjski krediti, zavarovani s hipoteko z največjo prednostjo pri poplačilu, ki se odobrijo posameznikom za nakup njihovega glavnega prebivališča, če je izpolnjen eden od naslednjih pogojev:
the underlying exposures have their administration governed by a servicing agreement which includes servicing continuity provisions that ensure, at a minimum, that a default or insolvency of the servicer does not result in a termination of servicing;
krediti v skupini v povprečju izpolnjujejo zahtevo glede razmerja med vrednostjo kredita in vrednostjo nepremičnine iz točke (i) člena 129(1)(d) Uredbe (EU) št. 575/2013;
the documentation governing the securitisation includes continuity provisions that ensure, at a minimum, the replacement of derivative counterparties and of liquidity providers upon their default or insolvency, where applicable;
nacionalna zakonodaja države članice, iz katere izvirajo krediti, določa omejitev razmerja med kreditom in dohodkom pri znesku, ki si ga lahko izposodi dolžnik v okviru stanovanjskega kredita, navedena država članica pa je to zakonodajo uradno priglasila Komisiji in EBA.
the securitisation position is backed by a pool of homogeneous underlying exposures, which all belong to only one of the following subcategories, or by a pool of homogeneous underlying exposures which combines residential loans referred to in points (i) and (ii):
Omejitev razmerja med kreditom in dohodkom se izračuna na osnovi bruto letnega dohodka dolžnika, pri čemer se upoštevajo davčne in druge obveznosti dolžnika ter tveganje spremembe obrestnih mer med trajanjem kredita.
residential loans secured with a first-ranking mortgage granted to individuals for the acquisition of their main residence, provided that one of the two following conditions is met:
Za vsak stanovanjski kredit v skupini odstotek dolžnikovega bruto dohodka, ki se lahko porabi za odplačevanje kredita, vključno z obrestmi, glavnico in provizijami, ne sme presegati 45 %;
the loans in the pool meet on average the loan-to-value requirement laid down in point (i) of Article 129(1)(d) of Regulation (EU) No 575/2013;
v celoti zajamčeni stanovanjski krediti iz člena 129(1)(e) Uredbe (EU) št. 575/2013, če krediti izpolnjujejo zahteve glede zavarovanja s premoženjem iz navedenega odstavka in zahtevo glede povprečnega razmerja med vrednostjo kredita in vrednostjo nepremičnine iz točke (i) člena 129(1)(d) Uredbe (EU) št. 575/2013;
the national law of the Member State where the loans were originated provides for a loan-to-income limit on the amount that an obligor may borrow in a residential loan, and that Member State has notified this law to the Commission and EBA.
komercialni krediti, zakupi in okvirni krediti za podjetja, ustanovljena v državi članici, za financiranje naložb v osnovna sredstva ali poslovnih dejavnosti, ki niso nakup ali razvoj poslovne nepremičnine, če je ob izdaji listinjenja vsaj 80 % kreditojemalcev v skupini v smislu portfelja majhnih in srednje velikih podjetij ter če nobeden od kreditojemalcev ni institucija, kot je opredeljena v členu 4(1)(3) Uredbe (EU) št. 575/2013;
The loan-to-income limit is calculated on the gross annual income of the obligor, taking into account the tax obligations and other commitments of the obligor and the risk of changes in the interest rates over the term of the loan.
avtomobilski krediti in zakupi za kreditojemalce ali zakupnike, ki imajo sedež v državi članici oziroma so rezidenti države članice.
For each residential loan in the pool, the percentage of the obligor's gross income that may be spent to service the loan, including interest, principal and fee payments, does not exceed 45 %;
Za te namene vključujejo kredite ali zakupe za financiranje motornih vozil ali priklopnih vozil, kot so opredeljena v točkah (11) in (12) člena 3 Direktive 2007/46/ES Evropskega parlamenta in Sveta, kmetijskih ali gozdarskih traktorjev iz Direktive 2003/37/ES Evropskega parlamenta in Sveta, motornih koles ali motornih trikoles, kot so opredeljena v točkah (b) in (c) člena 1(2) Direktive 2002/24/ES Evropskega parlamenta in Sveta ali goseničnih vozil iz točke (c) člena 2(2) Direktive 2007/46/ES.
fully guaranteed residential loans referred to in Article 129(1)(e) of Regulation (EU) No 575/2013, provided that the loans meet the collateralisation requirements laid down in that paragraph and the average loan-to-value requirement laid down in point (i) of Article 129(1)(d) of Regulation (EU) No 575/2013
Taki krediti ali zakupi lahko vključujejo pomožno zavarovanje in storitve ali dodatne dele vozil ter v primeru zakupov preostalo vrednost zakupljenih vozil.
commercial loans, leases and credit facilities to undertakings established in a Member State to finance capital expenditures or business operations other than the acquisition or development of commercial real estate, provided that at least 80 % of the borrowers in the pool in terms of portfolio balance are small and medium-sized enterprises at the time of issuance of the securitisation, and none of the borrowers is an institution as defined in Article 4(1)(3) of Regulation (EU) No 575/2013;
Vsi krediti in zakupi v skupini so zavarovani s pravico do poplačila ali zavarovanjem z največjo prednostjo pri poplačilu za vozilo ali ustreznim jamstvom v korist SSPE, kot je določba o pridržku lastninske pravice;
auto loans and leases to borrowers or lessees established or resident in a Member State.
krediti in okvirni krediti za posameznike, ki so rezidenti države članice, za namene osebne potrošnje, potrošnje družine in potrošnje gospodinjstva;
For these purposes, they shall include loans or leases for the financing of motor vehicles or trailers as defined in points (11) and (12) of Article 3 of Directive 2007/46/EC of the European Parliament and of the Council, agricultural or forestry tractors as referred to in Directive 2003/37/EC of the European Parliament and of the Council, motorcycles or motor tricycles as defined in points (b) and (c) of Article 1(2) of Directive 2002/24/EC of the European Parliament and of the Council or tracked vehicles as referred to in point (c) of Article 2(2) of Directive 2007/46/EC.
pozicija ni v relistinjenju ali sintetičnim listinjenju iz člena 4(63) oziroma 242(11) Uredbe (EU) št. 575/2013;
Such loans or leases may include ancillary insurance and service products or additional vehicle parts, and in the case of leases, the residual value of leased vehicles.
osnovne izpostavljenosti ne vključujejo prenosljivih finančnih instrumentov ali izvedenih finančnih instrumentov, razen finančnih instrumentov, ki jih izda SSPE ali pa jih izdajo druge stranke v strukturi listinjenja, in izvedenih finančnih instrumentov, ki se uporabljajo za varovanje pred valutnim tveganjem in obrestnim tveganjem;
All loans and leases in the pool shall be secured with a first-ranking charge or security over the vehicle or an appropriate guarantee in favour of the SSPE, such as a retention of title provision;
ob izdaji listinjenja ali vključitvi v skupino osnovnih izpostavljenosti kadar koli po izdaji osnovne izpostavljenosti ne vključujejo izpostavljenosti do dolžnikov s slabšo kreditno kakovostjo (ali po potrebi dajalcev jamstva s slabšo kreditno kakovostjo), če je dolžnik s slabšo kreditno kakovostjo (ali dajalec jamstva s slabšo kreditno kakovostjo) kreditojemalec, ki:
loans and credit facilities to individuals resident in a Member State for personal, family or household consumption purposes.
je razglasil stečaj, se je s svojimi upniki dogovoril za odpust ali reprogramiranje dolga ali pa je sodišče njegovim upnikom dodelilo pravico do izvršbe ali odškodnine za premoženjsko škodo zaradi zamujenega plačila v treh letih pred datumom izvedbe listinjenja;
the position is not in a resecuritisation or a synthetic securitisation as referred to in Articles 4(63) and 242(11), respectively, of Regulation (EU) No 575/2013;
je v uradnem registru oseb z negativno zgodovino preteklega odplačevanja kreditov;
the underlying exposures do not include transferable financial instruments or derivatives, except financial instruments issued by the SSPE itself or other parties within the securitisation structure and derivatives used to hedge currency risk and interest rate risk;
ima bonitetno ceno ECAI ali kreditno oceno, ki kaže pomembno tveganje, da pogodbeno dogovorjena plačila ne bodo izvedena v primerjavi s povprečnim dolžnikom za to vrsto kreditov v zadevni jurisdikciji;
at the time of issuance of the securitisation or when incorporated in the pool of underlying exposures at any time after issuance, the underlying exposures do not include exposures to credit-impaired obligors (or where applicable, credit-impaired guarantors), where a credit-impaired obligor (or credit-impaired guarantor) is a borrower (or guarantor) who:
ob izdaji listinjenja ali vključitvi v skupino osnovnih izpostavljenosti kadar koli po izdaji osnovne izpostavljenosti ne vključujejo neplačanih izpostavljenosti v smislu člena 178(1) Uredbe (EU) št. 575/2013.
has declared bankruptcy, agreed with his creditors to a debt dismissal or reschedule or had a court grant his creditors a right of enforcement or material damages as a result of a missed payment within three years prior to the date of origination;
Poravnava obveznosti v zvezi s pozicijami v listinjenju ne sme biti strukturirana tako, da je pretežno odvisna od prodaje sredstev, s katerimi so zavarovane osnovne izpostavljenosti.
is on an official registry of persons with adverse credit history;
Vendar ta določba ne preprečuje, da bi se take izpostavljenosti kasneje obnovile ali refinancirale.
has a credit assessment by an ECAI or has a credit score indicating a significant risk that contractually agreed payments will not be made compared to the average obligor for this type of loans in the relevant jurisdiction.
Struktura posla listinjenja izpolnjuje naslednje zahteve:
at the time of issuance of the securitisation or when incorporated in the pool of underlying exposures at any time after issuance, the underlying exposures do not include exposures in default within the meaning of Article 178(1) of Regulation (EU) No 575/2013.
če listinjenje nima obdobja obnovitve ali pa se je njegovo obdobje obnovitve zaključilo in če je bilo izdano obvestilo o izvršbi ali zahtevek o takojšnjem plačilu, se plačane glavnice iz osnovnih izpostavljenosti prenesejo na imetnike pozicij v listinjenju prek postopnega odplačevanja pozicij v listinjenju, pri čemer v SSPE na vsak datum za plačilo ne smejo biti zadržane večje količine denarnih sredstev;
The repayment of the securitisation positions shall not have been structured to depend, predominantly, on the sale of assets securing the underlying exposures.
če ima listinjenje obdobje obnovitve, dokumentacija posla določa ustrezne dogodke predčasnega odplačila, ki vključujejo najmanj vse naslednje dejavnike:
However, this provision shall not prevent such exposures from being subsequently rolled-over or refinanced.
poslabšanje kreditne kakovosti osnovnih izpostavljenosti;
The structure of the securitisation transaction shall comply with the following requirements:
nesposobnost ustvarjanja zadostne količine novih osnovnih izpostavljenosti vsaj podobne kreditne kakovosti;
where the securitisation has been set up without a revolving period or the revolving period has terminated and where an enforcement or an acceleration notice has been delivered, principal receipts from the underlying exposures are passed to the holders of the securitisation positions via sequential amortisation of the securitisation positions and no substantial amount of cash is trapped in the SSPE on each payment date;
pojav dogodka, povezanega z insolventnostjo, v zvezi z originatorjem ali serviserjem.
where the securitisation has been set up with a revolving period, the transaction documentation provides for appropriate early amortisation events, which shall include at a minimum all of the following:
Ob izdaji listinjenja so kreditojemalci (ali po potrebi dajalci jamstev) opravili vsaj eno plačilo, razen če je listinjenje krito z okvirnimi krediti iz točke (g)(v) odstavka 2.
a deterioration in the credit quality of the underlying exposures;
V primeru listinjenj, pri katerih so osnovne izpostavljenosti stanovanjski krediti iz točk (g)(i) in (ii) odstavka 2, skupina kreditov ne vključuje nobenega kredita, ki se je tržil in bil sklenjen ob predpostavki, da je bil prosilec za kredit, ali po potrebi posrednik, seznanjen s tem, da kreditodajalec morda ni preveril predloženih informacij.
a failure to generate sufficient new underlying exposures of at least similar credit quality;
V primeru listinjenj, pri katerih so osnovne izpostavljenosti stanovanjski krediti iz točk (g)(i) in (ii) odstavka 2, ocena kreditne sposobnosti kreditojemalca izpolnjuje zahteve iz odstavkov 1–4, odstavka 5(a) in odstavka 6 člena 18 Direktive 2014/17/EU Evropskega parlamenta in Sveta [7].
the occurrence of an insolvency-related event with regard to the originator or the servicer;
V primeru listinjenj, pri katerih so osnovne izpostavljenosti avtomobilski krediti in zakupi ter potrošniški krediti in okvirni krediti iz točk (g)(iv) in (v) odstavka 2, ocena kreditne sposobnosti kreditojemalca izpolnjuje zahteve iz člena 8 Direktive 2008/48/ES Evropskega parlamenta in Sveta [8].
At the time of issuance of the securitisation, the borrowers (or, where applicable, the guarantors) shall have made at least one payment except where the securitisation is backed by credit facilities referred to in point (g)(v)of paragraph 2.
Če ima originator, sponzor ali prvotni kreditodajalec listinjenja sedež v Uniji, izpolnjuje zahteve iz dela 5 Uredbe (EU) št. 575/2013 in v skladu s členom 8b Uredbe (EU) št. 1060/2009 razkrije informacije o kreditni kakovosti in uspešnosti osnovnih izpostavljenosti, strukturi posla, denarnih tokovih in kakršnem koli zavarovanju s premoženjem za izpostavljenosti ter vse informacije, ki jih vlagatelji potrebujejo za izvedbo celovitih in dobro premišljenih stresnih testov.
In the case of securitisations where the underlying exposures are residential loans referred to in points (g)(i) and (ii) of paragraph 2, the pool of loans shall not include any loan that was marketed and underwritten on the premise that the loan applicant or, where applicable intermediaries, were made aware that the information provided might not be verified by the lender.
Če pa imajo originator, sponzor in prvotni kreditodajalec sedež zunaj Unije, se obstoječim in potencialnim vlagateljem in regulativnim organom ob izdaji in nato na redni osnovi zagotavljajo celoviti podatki o kreditih v skladu s standardi, ki jih na splošno priznavajo udeleženci na trgu.
In the case of securitisations where the underlying exposures are residential loans referred to in points (g)(i) and (ii) of paragraph 2, the assessment of the borrower's creditworthiness shall meet the requirements set out in paragraphs 1 to 4, 5(a), and 6 of Article 18 of Directive 2014/17/EU of the European Parliament and of the Council or equivalent requirements in third countries [7].
Osnovne izpostavljenosti ne smejo izvirati iz kreditne institucije s pozicijo v listinjenju v svojem likvidnostnem blažilniku, njene podrejene družbe, nadrejene osebe, podrejene družbe nadrejene osebe ali katerega koli drugega podjetja, ki je tesno povezano s to kreditno institucijo.
In the case of securitisations where the underlying exposures are auto loans and leases and consumer loans and credit facilities referred to in points (g)(iv) and (v) of paragraph 2, the assessment of the borrower's creditworthiness shall meet the requirements set out in Article 8 of Directive 2008/48/EC of the European Parliament and of the Council [8].
Velikost izdaje tranše je vsaj 100 milijonov EUR (ali enakovreden znesek v nacionalni valuti).