natgillin/translations-raw huggingface dataset:
Where the relevant legislation provides for waivers that exempt institutions from setting some of the risk indicators at the institution's level, and provided, where applicable, that the competent authorities authorise the application of such waivers, the resolution authorities should assess the relevant indicators at consolidated level or sub-consolidated, as applicable, in order to be consistent with the supervisory practice and ensure that groups that make use of those waivers are not unduly penalized.
Vendar je pomembno, da imajo organi za reševanje na voljo zadostno prožnost pri ocenjevanju profila tveganj institucij, zato morajo imeti možnost, da uporabo stebrov in kazalnikov tveganja prilagodijo posebnostim posamezne institucije.
In order to enable the resolution authorities to have a consistent approach as to the importance of the risk pillars and indicators that they should take into account for the purpose of determining the risk profile of institutions, this Regulation should also determine the relative weight of each risk pillar and indicator.
Ker tega ni mogoče doseči izključno z določitvijo razpona za oceno profila tveganja, temveč je potrebna določena stopnja diskrecije pri odločanju o pomembnosti posameznih kazalnikov tveganja za vsak primer posebej, bi morala biti utež nekaterih kazalnikov tveganja zgolj okvirna, ali pa bi morala biti določena v obliki razpona, da bi lahko organi za reševanje v danem primeru sami odločali o pomembnosti zadevnih kazalnikov.
It is important, however, that resolution authorities be granted enough flexibility in assessing the risk profile of institutions by being able to modulate the application of risk pillars and indicators in accordance to the specificities of each institution.
Pri določanju pomembnosti različnih kazalnikov, ki ustrezajo posameznemu stebru, bi bilo treba agregiranje znotraj stebrov izvesti s tehtanim aritmetičnim povprečjem posameznih kazalnikov.
As this cannot be achieved exclusively by providing for a range for assessing the risk profile, but requires a certain degree of discretion in deciding upon the importance of certain risk indicators on a case by case basis, the weight of some risk indicators should only be indicative, or a range should be set out in their respect to allow the resolution authorities to decide upon the relevance of those indicators in a given case.
Pri izračunu končnega skupnega kazalnika tveganja, ki ustreza posamezni instituciji, bi moral izračun temeljiti na tehtani geometrijski sredini posameznega stebra, da se preprečijo učinki izravnave med stebri, saj bi sicer institucija, ki je pri več stebrih zmerno uspešna, pri enem pa zelo neuspešna, na podlagi aritmetičnega povprečja praviloma dobila srednjo oceno.
When determining the importance of the various indicators corresponding to a given pillar, aggregation within pillars should be done by means of an arithmetic weighted average of the individual indicators.
Razpon za oceno stopnje tveganja, ki ga predstavlja posamezna institucija, bi moral biti tak, da bi omogočal zadostno prilagajanje profila tveganja institucije glede na različne stebre in kazalnike tveganja, določene v tej uredbi, hkrati pa zagotavljal tudi zadostno varnost in predvidljivost glede letnih zneskov, ki bi jih morale institucije prispevati v skladu z Direktivo 2014/59/EU in to uredbo.
As regards the calculation of final composite risk indicator corresponding to each institution, to avoid compensation effects between pillars whereby an institution performing moderately well under several pillars and very poorly under another would generally be given a middle score pursuant to an arithmetic average of the different pillars, such calculation should be based on the geometric weighted average of the individual pillars.
Da se zagotovi dejansko plačilo prispevkov, bi bilo treba določiti pogoje in načine plačevanja.
The range for assessing the degree of risk posed by an institution should be such to allow for a sufficient modulation of the risk profile of institutions according to the various risk pillars and indicators set out in this Regulation, while offering at the same time enough certainty and predictability as regards the annual amounts that institutions would have to contribute pursuant to Directive 2014/59/EU and this Regulation.
Zlasti za prispevke, ki se ne plačajo v denarnih sredstvih, ampak v obliki nepreklicnih zahtev za plačilo v skladu s členom 103 Direktive 2014/59/EU, bi bilo treba določiti delež nepreklicnih zahtev za plačilo, ki jih lahko uporabi vsaka institucija, ter vrste zavarovanja, ki so sprejemljive za zavarovanje teh nepreklicnih zahtev za plačilo, da se organu za reševanje omogoči zagotovitev dejanskega plačila, kadar ima težave pri izvrševanju nepreklicne zahteve za plačilo.
In order to ensure that contributions are effectively paid, it is necessary to specify the conditions and means of payment.
Da se zagotovi, da se letni prispevki dejansko vplačujejo, bi bilo organe za reševanje treba pooblastiti za nalaganje upravnih kazni in drugih upravnih ukrepov institucijam, ki kršijo zahteve iz te uredbe glede izračuna in prilagoditve prispevkov, kot je kršitev obveznosti posredovanja informacij, ki jih zahteva organ za reševanje.
In particular, for contributions which are not paid in cash but in irrevocable payment commitments in accordance with Article 103 of Directive 2014/59/EU, it is necessary to specify the share of irrevocable payment commitments that each institution can use and the kind of collateral which is accepted to back these irrevocable payment commitments, so as to allow the resolution authority to ensure the actual payment when executing the irrevocable payment commitment where the resolution authority encounters difficulties in executing the irrevocable payment commitment.
Organ za reševanje bi moral biti tudi pooblaščen, da instituciji, ki le delno plača letni prispevek, ki zapade v plačilo, ali ga ne plača, ali če zadevna institucija ne izpolnjuje zahtev iz obvestila uradnega organa za reševanje, naloži dnevno kazen.
In order to ensure that the annual contributions are effectively paid, it is necessary to provide for the specific power of resolution authorities to impose administrative penalties and other administrative measures on institutions which breach the requirements set out in this Regulation for the calculation and adjustment of the contributions such non-compliance with the obligation to provide the information requested by the resolution authority.
Poleg tega bi bilo treba določiti posebne obveznosti glede izmenjave informacij med pristojnimi organi in organi za reševanje.
The resolution authority should also have the power to impose a daily penalty to an institution where the institution concerned only partially pays the annual contribution which is due, or where it does not pay it, or where that institution does not comply with the requirements set out in the notification made by the resolution authority.
Da se zagotovi, da bo prilagajanje tveganjem ves čas odražalo dogajanja v bančnem sektorju in tako stalno izpolnjevalo zahteve iz Direktive 2014/59/EU, bo Komisija na podlagi izkušenj, pridobljenih pri izvajanju Direktive, pred 1. junijem 2016 pregledala prilagajanje tveganjem za izračun letnih prispevkov ter zlasti ustreznost multiplikatorja za prilagoditev tveganjem, določenega v tej uredbi, in morebitno potrebo po povečanju zgornje meje multiplikatorja za prilagoditev tveganjem.
In addition, it is necessary to provide for specific obligations of information sharing between competent authorities and resolution authorities.
Ker se v skladu s členom 130(1) Direktive 2014/59/EU obveznost držav članic za pobiranje letnih prispevkov od institucij z dovoljenjem na njihovem ozemlju uporablja od 1. januarja 2015, bi se morala tudi ta uredba uporabljati od 1. januarja 2015 –
In order to ensure that the risk adjustment continues to reflect developments in the banking sector and therefore meets the requirements of Directive 2014/59/EU on an ongoing basis, based on the experience gained with its application the Commission will review the risk adjustment for the calculation of the annual contributions and, in particular, the appropriateness of the risk adjustment multiplier set out in this Regulation and the need for a possible increase of the upper limit the risk adjustment multiplier before 1 June 2016.
SPREJELA NASLEDNJO UREDBO:
Since according to Article 130(1) of Directive 2014/59/EU, the obligation of Member States to raise annual contributions from institutions authorised on their territory applies from 1 January 2015, this Regulation should also apply from 1 January 2015,
ODDELEK 1
HAS ADOPTED THIS REGULATION:
SPLOŠNE DOLOČBE
SECTION 1
Člen 1
Article 1
Ta uredba določa pravila glede:
Subject matter
metodologije za izračun in prilagoditev prispevkov, ki jih morajo institucije vplačati v sheme za financiranje reševanja, profilu tveganja institucij;
This Regulation lays down rules specifying:
obveznosti institucij v zvezi z informacijami, ki jih morajo predložiti za namene izračuna prispevkov, in v zvezi s plačilom prispevkov v sheme za financiranje reševanja;
the methodology for the calculation and for the adjustment to the risk profile of institutions, of the contributions to be paid by institutions to resolution financing arrangements;
ukrepov, s katerimi se zagotavlja, da organi za reševanje preverjajo, da so bili prispevki pravilno plačani.
the obligations of institutions as regards the information to provide for the purposes of the calculation of the contributions and as regards the payment of the contributions to resolution financing arrangements;
Člen 2
the measures to ensure the verification by the resolution authorities that the contributions have been paid correctly.
Področje uporabe
Article 2
Ta uredba se uporablja za institucije iz člena 103(1) Direktive 2014/59/EU, kakor so opredeljene v členu 2(1)(23) Direktive.
Scope
Uporablja se tudi za centralni organ in njegove povezane institucije na konsolidirani podlagi, če so povezane institucije po nacionalnem pravu v skladu s členom 10 Uredbe (EU) št. 575/2013 v celoti ali delno izvzete iz bonitetnih zahtev.
This Regulation applies to the institutions referred to in Article 103(1) of Directive 2014/59/EU and defined in Article 2(1)(23).
Vsak sklic na skupino vključuje centralni organ in vse kreditne institucije, ki so stalno povezane s centralnim organom iz člena 10 Uredbe (EU) št. 575/2013, ter njihove podrejene družbe.
It also applies to a central body and its affiliated institutions on a consolidated basis, where the affiliated institutions are wholly or partially exempted from prudential requirements in national law in accordance with Article 10 of Regulation (EU) No 575/2013.
Člen 3
Any reference to a group should include a central body and all credit institutions permanently affiliated to the central body as referred to in Article 10 of Regulation (EU) No 575/2013 and their subsidiaries.
Opredelitev pojmov
Article 3
V tej uredbi se uporabljajo opredelitve pojmov iz Direktive 2014/49/ES Evropskega parlamenta in Sveta [7] in Direktive 2014/59/EU.
Definitions
Poleg tega se v tej uredbi uporabljajo naslednje opredelitve:(1) „institucije“ pomeni kreditne institucije, kot so opredeljene v točki (2) člena 2(1) Direktive 2014(59/EU, ali investicijska podjetja, kot so opredeljena v točki (2) tega člena, kot tudi centralni organ in vse kreditne institucije, ki so stalno povezane s centralnim organom, iz člena 10 Uredbe (EU) št. 575/2013, kot celota ali na konsolidirani podlagi, če so izpolnjeni pogoji, določeni v členu 2(1);
For the purposes of this Regulation, the definitions contained in Directive 2014/49/EU of the European Parliament and of the Council [7] and Directive 2014/59/EU shall apply.
„investicijska podjetja“ pomeni investicijska podjetja, kot so opredeljena v točki (3) člena 2(1) Direktive 2014/59/EU, razen investicijskih podjetij, ki spadajo pod opredelitev iz člena 96(1)(a) ali (b) Uredbe (EU) št. 575/2013, ali investicijskih podjetij, ki opravljajo dejavnost 8 iz oddelka A Priloge I k Direktivi 2004/39/ES Evropskega parlamenta in Sveta [8], vendar ne opravljajo dejavnosti 3 ali 6 iz oddelka A Priloge I k navedeni direktivi;
For the purpose of this Regulation, the following definitions shall also apply:(1) ‘institutions’ means credit institutions, as defined in point (2) of Article 2(1) of Directive 2014/59/EU, or investment firms as defined in point (2) of this Article, as well as a central body and all credit institutions permanently affiliated to the central body as referred to in Article 10 of Regulation (EU) No 575/2013 as a whole on a consolidated basis, where the conditions provided for in Article 2(1) are met;
„letna ciljna raven“ pomeni skupni znesek letnih prispevkov, ki jih za posamezno prispevno obdobje določi organ za reševanje, da se doseže ciljna raven iz člena 102(1) Direktive 2014/59/EU;
‘investment firms’ means investment firms as defined in point (3) of Article 2(1) of Directive 2014/59/EU, excluding investment firms which fall within the definition of Article 96(1)(a) or (b) of Regulation (EU) No 575/2013 or investment firms which carry out activity 8 of Annex I Section A of Directive 2004/39/EC of the European Parliament and of the Council [8] but which do not carry out activities 3 or 6 of Annex I Section A of that Directive;
„shema financiranja“ pomeni shemo za namene zagotavljanja učinkovite uporabe instrumentov za reševanje in izvajanja pooblastil iz člena 100(1) Direktive 2014/59/EU s strani organa za reševanje;
‘annual target level’ means the total amount of annual contributions determined for each contribution period by the resolution authority to reach the target level referred to in Article 102(1) of Directive 2014/59/EU;
„letni prispevek“ pomeni znesek iz člena 103 Direktive 2014/59/EU, ki ga organ za reševanje zbere za nacionalno shemo financiranja v prispevnem obdobju od vseh institucij iz člena 2 te uredbe;
‘financing arrangement’ means an arrangement for the purpose of ensuring the effective application by the resolution authority of the resolution tools and powers as referred to in Article 100(1) of Directive 2014/59/EU;
„prispevno obdobje“ pomeni koledarsko leto;
‘annual contribution’ means the amount referred to in Article 103 of Directive 2014/59/EU raised by the resolution authority for the national financing arrangement during the contribution period from each of the institutions referred to in Article 2 of this Regulation;
„organ za reševanje“ pomeni organ iz točke (18) člena 2(1) Direktive 2014/59/EU ali kateri koli drug ustrezen organ, ki ga imenujejo države članice za namene člena 100(2) in (6) Direktive 2014/59/EU;
‘contribution period’ means a calendar year;
„pristojni organ“ pomeni pristojni organ, kot je opredeljen v členu 4(1)(40) Uredbe (EU) št. 575/2013;
‘resolution authority’ means the authority referred to in point (18) of Article 2(1) of Directive 2014/59/EU, or any other relevant authority appointed by the Member States for the purposes of Article 100(2) and (6) of Directive 2014/59/EU;
„sistemi jamstva za vloge“ pomeni sisteme iz točke (a), (b) ali (c) člena 1(2) Direktive 2014/49/EU;
‘competent authority’ means a competent authority as defined in Article 4(1)(40) of Regulation (EU) No 575/2013;
„krite vloge“ pomeni vloge iz člena 6(1) Direktive 2014/49/EU, razen začasno visokih saldov, kot so opredeljeni v členu 6(2) navedene direktive;
‘deposit guarantee schemes’ (DGS) means schemes referred to in point (a), (b), or (c) of Article 1(2) of Directive 2014/49/EU;
„celotne obveznosti“ pomeni celotne obveznosti, kot so opredeljene v oddelku 3 Direktive Sveta 86/635/EGS [9] ali kot so opredeljene v skladu z mednarodnimi standardi računovodskega poročanja iz Uredbe (ES) št. 1606/2002 Evropskega parlamenta in Sveta [10];
‘covered deposits’ means the deposits referred to in Article 6(1) of Directive 2014/49/EU, excluding temporary high balances as defined in Article 6(2) of that Directive;
„bilančna vsota“ pomeni bilančno vsoto, kot je opredeljena v oddelku 3 Direktive 86/635/EGS ali kot je opredeljena v skladu z mednarodnimi standardi računovodskega poročanja iz Uredbe (ES) št. 1606/2002;
‘total liabilities’ means total liabilities as defined in Section 3 of Council Directive 86/635/EEC [9], or as defined in accordance with the International Financial Reporting Standards referred to in Regulation (EC) No 1606/2002 of the European Parliament and of the Council [10];
„skupna izpostavljenost tveganju“ pomeni znesek skupne izpostavljenosti tveganju, kot je opredeljen v členu 92(3) Uredbe (EU) št. 575/2013;
‘total assets’ means total assets as defined in Section 3 of Directive 86/635/EEC, or defined in accordance with the International Financial Reporting Standards referred to in Regulation (EC) No 1606/2002;
„količnik navadnega lastniškega temeljnega kapitala“ pomeni količnik iz člena 92(2)(a) Uredbe (EU) št. 575/2013;
‘Total Risk Exposure’ (TRE) means the total risk exposure amount as defined in Article 92(3) of Regulation (EU) No 575/2013;
„minimalna zahteva glede kapitala“ pomeni minimalno zahtevo glede kapitala in kvalificiranih obveznosti, kot je opredeljena v členu 45(1) Direktive 2014/59/EU;
‘Common Equity Tier 1 Capital Ratio’ means the ratio as referred to in Article 92(2)(a) of Regulation (EU) No 575/2013;
„kapital“ pomeni kapital, kakor je opredeljen v točki (118) člena 4(1) Uredbe (EU) št. 575/2013;
‘MREL’ means the minimum requirement for own funds and eligible liabilities as defined in Article 45(1) of Directive 2014/59/EU;
„kvalificirane obveznosti“ pomeni obveznosti in kapitalske instrumente, kot so opredeljeni v točki (71) člena 2(1) Direktive 2014/59/EU;
‘own funds’ means own funds as defined in point (118) of Article 4(1) of Regulation (EU) No 575/2013;
„količnik finančnega vzvoda“ pomeni količnik finančnega vzvoda, kot je opredeljen v členu 429 Uredbe (EU) št. 575/2013;
‘eligible liabilities’ means liabilities and capital instruments as defined in point (71) of Article 2(1) of Directive 2014/59/EU;
„količnik likvidnostnega kritja“ pomeni količnik likvidnostnega kritja, kot je opredeljen v členu 412 Uredbe (EU) št. 575/2013 in podrobneje opredeljen v Delegirani uredbi Komisije (EU) 2015/61 [11];
‘Leverage Ratio’ means leverage ratio as defined in Article 429 of Regulation (EU) No 575/2013;
„količnik neto stabilnih virov financiranja“ pomeni količnik neto stabilnih virov financiranja, kot se poroča v skladu s členom 415 Uredbe (EU) št. 575/2013;
‘Liquidity Coverage Ratio’ (LCR) means a liquidity coverage ratio as defined in Article 412 of Regulation (EU) No 575/2013 and further specified in Commission Delegated Regulation (EU) 2015/61 [11];
„centralna nasprotna stranka“ („CNS“) pomeni pravno osebo, kot je opredeljena v členu 2(1) Uredbe (EU) št. 648/2012;
‘Net Stable Funding Ratio’ (NSFR) means a net stable funding ratio as reported in accordance with Article 415 of Regulation (EU) No 575/2013;
„izvedeni finančni instrumenti“ pomeni izvedene finančne instrumente v skladu s Prilogo II Uredbe (EU) št. 575/2013;
‘central counterparty’ (CCP) means a legal person as defined in Article 2(1) of Regulation (EU) No 648/2012;
„centralna depotna družba“ pomeni pravno osebo, kot je opredeljena v točki (1) člena 2(1) in v členu 54 Uredbe (EU) št. 909/2014 Evropskega parlamenta in Sveta [12];
‘derivatives’ means derivatives according to Annex II of Regulation (EU) No 575/2013;
„poravnava“ pomeni zaključek transakcije z vrednostnimi papirji, kot je opredeljena v točki (2) člena 2(1) Uredbe (EU) št. 909/2014;
‘central securities depository’ (CSD) means a legal person as defined in point (1) of Article 2(1) and in Article 54 of Regulation (EU) No 909/2014 of the European Parliament and of the Council [12];
„kliring“ pomeni postopek vzpostavljanja pozicij, kot je opredeljen v členu 2(3) Uredbe (EU) št. 648/2012;
‘settlement’ means the completion of a securities transaction as defined in point (2) of Article 2(1) of Regulation (EU) No 909/2014;
„infrastruktura finančnega trga“ v tej uredbi pomeni centralno nasprotno stranko iz točke 21 tega člena ali centralno depotno družbo in točke 23 tega člena, ki ima dovoljenje za opravljanje dejavnosti kot institucija v skladu s členom 8 Direktive 2013/36/EU;
‘clearing’ means the process of establishing positions as defined in Article 2(3) of Regulation (EU) No 648/2012;
„spodbujevalna banka“ pomeni vsako podjetje ali subjekt, ki ga ustanovi enota centralne ali regionalne ravni države, ki daje spodbujevalne kredite na neprofitni osnovi z namenom spodbujanja ciljev javne politike zadevne države, pod pogojem, da mora država zaščititi ekonomske temelje podjetja ali subjekta ter ohraniti njegovo sposobnost delovanja med celotno življenjsko dobo, ali da vsaj za 90 % njenega prvotnega financiranja ali danega spodbujevalnega kredita neposredno ali posredno jamči centralna ali regionalna raven države;
‘financial market infrastructure’ means, for the purpose of this Regulation, a CCP as referred to in point 21 of this Article or a CSD as referred to in point 23 of this Article that are authorised as institutions in accordance with Article 8 of Directive 2013/36/EU;
„spodbujevalni kredit“ pomeni kredit, ki ga zagotovi spodbujevalna banka ali se zagotovi prek posredniške institucije na nekonkurenčni in neprofitni osnovi z namenom spodbujanja ciljev javne politike centralne ali regionalne ravni države v državi članici;
‘promotional bank’ means any undertaking or entity set up by a Member State, central or regional government, which grants promotional loans on a non-competitive, not for profit basis in order to promote that government's public policy objectives, provided that that government has an obligation to protect the economic basis of the undertaking or entity and maintain its viability throughout its lifetime, or that at least 90 % of its original funding or the promotional loan it grants is directly or indirectly guaranteed by the Member State's central or regional government;
„posredniška institucija“ pomeni kreditno institucijo, ki posreduje spodbujevalne kredite pod pogojem, da jih ne zagotovi v obliki kredita končni stranki.
‘promotional loan’ means a loan granted by a promotional bank or through an intermediate bank on a non-competitive, non for profit basis, in order to promote the public policy objectives of central or regional governments in a Member State;
ODDELEK 2
‘intermediary institution’ means a credit institution which intermediates promotional loans provided that it does not give them as credit to a final customer.
METODOLOGIJA
SECTION 2
Člen 4
METHODOLOGY
Določitev letnih prispevkov
Article 4
Organi za reševanje določijo letne prispevke, ki jih morajo plačati posamezne institucije, sorazmerno glede na njihov profil tveganja na podlagi informacij, ki jih zagotovi institucija v skladu s členom 14, ter z uporabo metodologije, določene v tem oddelku.
Determination of the annual contributions
Organ za reševanje določi letni prispevek iz odstavka 1 na podlagi letne ciljne ravni sheme za financiranje reševanja, pri čemer upošteva ciljno raven, ki mora biti dosežena do 31. decembra 2024 v skladu z odstavkom 1 člena 102 Direktive 2014/59/EU ter na podlagi povprečnega zneska kritih vlog v preteklem letu, izračunanega četrtletno, vseh institucij z dovoljenjem na njegovem ozemlju.
The resolution authorities shall determine the annual contributions to be paid by each institution in proportion to its risk profile on the basis of information provided by the institution in accordance with Article 14 and by applying the methodology set out in this Section.
Člen 5
The resolution authority shall determine the annual contribution referred to in paragraph 1 on the basis of the annual target level of the resolution financing arrangement by taking into account the target level to be reached by 31 December 2024 in accordance with paragraph 1 of Article 102 of Directive 2014/59/EU and on the basis of the average amount of covered deposits in the previous year, calculated quarterly, of all the institutions authorized in its territory.
Prilagoditev osnovnega letnega prispevka tveganjem
Article 5
Prispevki iz člena 103(2) Direktive 2014/59/EU se izračunajo tako, da se izključijo naslednje obveznosti: