natgillin/translations-raw huggingface dataset:
All securitisation activities must be reported, regardless of where the financial vehicle corporations involved are resident.
Kakor je navedeno v tretjem pododstavku točke 2, se posojila pri statistiki postavk bilance stanja praviloma poročajo v neporavnanem nominalnem znesku, ustrezne rezervacije pa se razporedijo v „kapital in rezerve“.
Loans provided as collateral to the Eurosystem for monetary policy credit operations in the form of credit claims, which result in a transfer without derecognition from the balance sheet are excluded from this item.
V teh primerih se ne poročajo nobene ločene informacije o rezervacijah.
Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) (Block 5.1 of Table 5a on monthly data) covers the required information on securitised loans to non-financial corporations and households that have not been derecognised, but does not require the latter to be broken down by purpose.
Istočasno pa se te dodatne informacije morajo poročati v primerih, kadar se posojila poročajo v neto zneskih brez rezervacij, da bi se zbrali v celoti primerljivi podatki za vse MFI.
In addition, outstanding amounts of loans which have been otherwise transferred (i.e. not through a securitisation) but are not derecognised, are not covered by Regulation (EU) No 1071/2013 (ECB/2013/33).
Kjer je praksa, da se stanja posojil poročajo v neto zneskih brez rezervacij, imajo NCB možnost določiti, da poročanje teh informacij ni obvezno.
For the purposes of compiling the data reports, separate data extractions from the MFIs' internal databases are thus required.
Vendar bodo v teh primerih izračuni v okviru operacij CUODR-II temeljili na zneskih neporavnanih posojil v bilanci stanja v neto zneskih brez rezervacij [4].
For additional details of the items to be included in the data reports, see Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) and Section 2.3 of the Manual on MFI balance sheet statistics.
Za dodatne podrobnosti glej sklicevanja na rezervacije v opredelitvi „kapital in rezerve“ v delu 2 Priloge II k Uredbi (EU) št. 1071/2013 (ECB/2013/33).
Outstanding provisions against eligible loans (1.3 and 4.3)
Primerno neto posojanje (2)
These data are relevant only for those institutions that, contrary to the general BSI practice, report loans net of provisions.
V teh poljih v obrazcu za poročanje se evidentira neto posojanje (transakcije), odobreno v obdobju poročanja.
In the case of institutions bidding as a TLTRO-II group, this requirement only applies to those institutions in the group that record loans net of provisions.
Podatki se izračunajo na podlagi številk, poročanih za podpostavke, in sicer „bruto posojanje“ (2.1) minus „odplačila“ (2.2).
This item includes individual and collective allowances for impairment and loan losses (before write-offs and write-downs take place).
Posojila, ki so na novo izpogajana v obdobju poročanja, se poročajo kot „odplačila“ in tudi kot „bruto posojanje“ v času, ko pride do novega pogajanja.
The data must refer to outstanding eligible loans on the balance sheet, i.e. excluding loans that are securitised or otherwise transferred which have not been derecognised from the balance sheet.
Podatki o prilagoditvah morajo vključevati učinke v zvezi z novimi pogajanji o posojilih.
As stated in the third subparagraph of point 2, in BSI statistics loans should be reported, as a rule, at the principal outstanding amount, with the corresponding provisions being allocated to ‘Capital and reserves’.
Povratne transakcije v obdobju (tj. posojila, ki so bila odobrena in odplačana v obdobju) se načeloma poročajo kot „bruto posojanje“ in tudi kot „odplačila“.
In such cases, no separate information on provisions should be reported.
Vendar je za MFI, ki vlagajo protiponudbe, dopustno tudi, da te posle pri pripravi poročil o podatkih izključijo, kolikor bi to zmanjšalo njihovo breme poročanja.
At the same time, in cases where loans are reported net of provisions, this additional information must be reported in order to gather fully comparable data across MFIs.
V tem primeru morajo obvestiti zadevno NCB, podatki o prilagoditvah stanj pa morajo tudi izločiti učinke, ki so povezani s temi povratnimi posli.
Where it is the practice to report outstanding amounts of loans net of provisions, NCBs have the option of making the reporting of this information non-mandatory.
Ta izjema se ne uporablja za posojila, odobrena v obdobju, ki so olistinjena ali drugače prenesena.
However, in such cases the calculations under the TLTRO-II framework will be based on amounts of outstanding loans on the balance sheet net of provisions [4].
Dolg po kreditnih karticah, posojila revolving in prekoračitve stanja na računih je prav tako treba upoštevati.
For additional details, see the reference to provisions in the definition of ‘Capital and reserves’ provided in Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33).
Pri teh instrumentih je treba kot pokazatelj neto posojanja uporabiti spremembe stanj zaradi zneskov, ki so bili v obdobjih poročanja uporabljeni ali črpani.
Eligible net lending (2)
Pozitivni zneski se poročajo kot „bruto posojanje“ (2.1), negativni zneski pa se poročajo (s pozitivnim predznakom) kot „odplačila“ (2.2).
These cells of the reporting template record the net lending (transactions) granted during the reporting period.
Bruto posojanje (2.1)
The data are calculated on the basis of the figures reported for the sub-items, namely ‘Gross lending’ (2.1) minus ‘Repayments’ (2.2).
Ta postavka vključuje tok bruto novih posojil v obdobju poročanja, razen kakršnih koli pridobitev posojil.
Loans which are renegotiated during the reporting period should be reported both as ‘Repayments’ and as ‘Gross lending’ at the time when the renegotiation takes place.
Odobreni krediti, ki se nanašajo na dolg po kreditnih karticah, posojila revolving in prekoračitve stanj na računih, se prav tako poročajo, kakor je pojasnjeno zgoraj.
Adjustment data must include effects relating to loan renegotiation.
Zneske, dodane k stanjem stranke v obdobju zaradi, na primer, kapitalizacije obresti (za razliko od obračunanih obresti) in provizij, je prav tako treba vključiti.
Credit card debt, revolving loans and overdrafts should also be considered.
Prodaje in nakupi posojil ter drugi prenosi posojil v obdobju poročanja (3.1)
For these instruments, changes in balances owing to amounts used or withdrawn during the reporting periods should be used as proxies for net lending.
Neto tokovi olistinjenih posojil z učinkom na stanja posojil (3.1A)
Positive amounts should be reported as ‘Gross lending’ (2.1), whereas negative amounts should be reported (with the positive sign) as ‘Repayments’ (2.2).
Ta postavka zajema neto znesek posojil, ki so olistinjena v obdobju poročanja, z učinkom na sporočena stanja posojil, izračunan kot pridobitve minus odsvojitve [5].
Gross lending (2.1)
Prenosi posojil se evidentirajo v nominalnem znesku v času prodaje, v neto zneskih brez odpisov in delnih odpisov.
This item comprises the flow of gross new loans in the reporting period, excluding any loan acquisitions.
Ti odpisi in delni odpisi se poročajo, kadar jih je mogoče določiti, v postavki 3.2B v obrazcu (glej spodaj).
Credit granted that relates to credit card debt, revolving loans and overdrafts should also be reported, as explained above.
V primeru MFI, ki poročajo posojila v neto zneskih brez rezervacij, se prenosi evidentirajo po vrednosti iz bilance stanja (tj. nominalni znesek brez stanj rezervacij) [6].
Amounts added during the period to customer balances due, for instance, to interest capitalisation (as opposed to interest accruals) and fees, should also be included.
Zahteve iz dela 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) (sklop 1.1 tabele 5a o mesečnih podatkih in tabele 5b o četrtletnih podatkih) zajemajo te elemente.
Repayments (2.2)
Za podrobnejšo opredelitev postavk, ki se poročajo, glej del 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) in oddelek 2.3 Priročnika za statistiko bilance stanja MFI.
This item comprises the flow of repayments of principal during the reporting period, excluding those relating to securitised or otherwise transferred loans which are not derecognised from the balance sheet.
Neto tokovi drugače prenesenih posojil z učinkom na stanja posojil (3.1B)
Repayments relating to credit card debt, revolving loans and overdrafts should also be reported, as explained above.
Ta postavka zajema neto znesek posojil, ki so bila v obdobju odsvojena ali pridobljena s posli, ki niso povezani z dejavnostmi listinjenja, z učinkom na sporočena stanja posojil, izračunan kot pridobitve minus odsvojitve.
Interest payments relating to accrued interest not yet capitalised, loan disposals and other adjustments to the outstanding amounts (including write-offs and write-downs) should not be reported. (c) Adjustments to the outstanding amounts
Prenosi se evidentirajo v nominalnem znesku v času prodaje, v neto zneskih brez odpisov in delnih odpisov.
These cells of the reporting template are for reporting changes in outstanding amounts (reductions (–) and increases (+)) occurring during the reporting period which are not related to net lending.
Ti odpisi in delni odpisi se poročajo, kadar jih je mogoče določiti, v postavki 3.2B.
Such changes arise from operations such as loan securitisations and other loan transfers during the reporting period, and from other adjustments related to revaluations owing to changes in exchange rates, loan write-offs and write-downs and reclassifications.
V primeru MFI, ki poročajo posojila v neto zneskih brez rezervacij, se prenosi evidentirajo po vrednosti iz bilance stanja (tj. nominalni znesek brez stanj rezervacij).
The data in these cells are automatically calculated on the basis of the figures reported under the sub-items, namely ‘Loan sales and purchases and other loan transfers during the reporting period’ (3.1) plus ‘Other adjustments’ (3.2).
Zahteve iz dela 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) delno zajemajo te elemente.
Loan sales and purchases and other loan transfers during the reporting period (3.1)
Sklop 1.2 tabele 5a o mesečnih podatkih in tabele 5b o četrtletnih podatkih zajema podatke o neto tokovih drugače prenesenih posojil z učinkom na stanja posojil, a izključuje:
Net flows of securitised loans with an impact on loan stocks (3.1 A)
posojila, odsvojena drugi domači MFI ali pridobljena od druge domače MFI, vključno s prenosi znotraj skupine zaradi korporativnega prestrukturiranja (npr. prenos nabora posojil s strani domače hčerinske MFI na matično MFI);
This item comprises the net amount of loans that are securitised during the reporting period with an impact on reported loan stocks, calculated as acquisitions minus disposals [5].
prenose posojil v okviru reorganizacij znotraj skupine zaradi združitev, prevzemov in delitev.
Loan transfers should be recorded at the nominal amount net of write-offs and write-downs at the time of the sale.
Za namene priprave poročil o podatkih se morajo poročati vsi ti učinki.
These write-offs and write-downs should be reported, where identifiable, under item 3.2B in the template (see below).
Za dodatne podrobnosti o postavkah, ki se poročajo, glej del 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) in oddelek 2.3 Priročnika za statistiko bilance stanja MFI.
In the case of MFIs that report loans net of provisions, the transfers should be recorded at the balance sheet value (i.e. the nominal amount net of outstanding provisions) [6].
V zvezi s spremembami strukture sektorja MFI oddelek 1.6.3.4 Priročnika za statistiko bilance stanja MFI (in povezani oddelek 5.2 Priloge 1.1) vsebuje podroben opis prenosov znotraj skupine ter razlikuje med primeri, kjer do prenosov pride med ločenimi institucionalnimi enotami (npr. preden ena ali več teh enot preneha obstajati v združitvi ali prevzemu), in tistimi, ki se zgodijo v trenutku, ko nekatere enote prenehajo obstajati, in ko je zato treba izvesti statistično prerazvrstitev.
The requirements of Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) (Blocks 1.1 of Table 5a on monthly data and Table 5b on quarterly data) cover these elements.
Za namene priprave poročil o podatkih so učinki v obeh primerih enaki in podatki se poročajo v postavki 3.1C (in ne v postavki 3.2C).
For a more detailed definition of the items to be reported, see Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) and Section 2.3 of the Manual on MFI balance sheet statistics.
Neto tokovi olistinjenih ali drugače prenesenih posojil brez učinka na stanja posojil (3.1C)
Net flows of loans that are otherwise transferred with an impact on loan stocks (3.1B)
Ta postavka zajema neto znesek posojil, ki so olistinjena ali drugače prenesena v obdobju poročanja in so brez kakršnega koli učinka na sporočena stanja posojil, izračunan kot pridobitve minus odsvojitve.
This item comprises the net amount of loans disposed of or acquired during the period with an impact on reported loan stocks in operations not related to securitisation activities, and is calculated as acquisitions minus disposals.
Ti odpisi in delni odpisi se poročajo, kadar jih je mogoče določiti, v postavki 3.2B.
The transfers should be recorded at the nominal amount net of write-offs and write-downs at the time of the sale.
Neto tokovi, povezani s predložitvijo posojil Eurosistemu kot zavarovanje za kreditne posle denarne politike v obliki bančnih posojil, kar ima za posledico njihov prenos brez odprave pripoznanja v bilanci stanja, so izključeni iz te postavke.
These write-offs and write-downs should be reported, where identifiable, under item 3.2B.
Sklop 2.1 v tabeli 5a o mesečnih podatkih in tabeli 5b o četrtletnih podatkih zajema podatke o neto tokovih olistinjenih ali drugače prenesenih posojil brez kakršnega koli učinka na stanja posojil, toda posojila gospodinjstvom za nakup hiše se ne prikazujejo ločeno in jih je zato treba ločeno pridobiti iz notranjih baz podatkov MFI.
In the case of MFIs that report loans net of provisions, the transfers should be recorded at the balance sheet value (i.e. the nominal amount net of outstanding provisions).
Poleg tega, kakor je opredeljeno zgoraj, zahteve izključujejo:
The requirements of Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) partly cover these elements.
posojila, odsvojena drugi domači MFI ali pridobljena od druge domače MFI, vključno s prenosi znotraj skupine zaradi korporativnega prestrukturiranja (npr. ko domača hčerinska MFI prenese nabor posojil na matično MFI);
Blocks 1.2 of Table 5a on monthly data and Table 5b on quarterly data cover data on net flows of loans that are otherwise transferred with an impact on loan stocks, but exclude:
Za dodatne podrobnosti o postavkah, ki se vključijo, glej del 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) in oddelek 2.3 Priročnika za statistiko bilance stanja MFI.
loans disposed of to, or acquired from, another domestic MFI, including intra-group transfers owing to corporate business restructuring (e.g. the transfer of a pool of loans by a domestic MFI subsidiary to the parent MFI);
Druge prilagoditve (3.2)
loan transfers in the context of intra-group reorganisations owing to mergers, acquisitions and divisions.
Podatke o drugih prilagoditvah je treba poročati za stanja primernih posojil v bilanci stanja, razen olistinjenih ali drugače prenesenih posojil, katerih pripoznanje ni bilo odpravljeno.
For the purposes of compiling the data reports, all of these effects must be reported.
Prevrednotenja zaradi sprememb deviznih tečajev (3.2A)
For additional details on the items to be reported, see Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) and Section 2.3 of the Manual on MFI balance sheet statistics.
Gibanja deviznih tečajev v razmerju do eura imajo za posledico spremembe vrednosti posojil, denominiranih v tujih valutah, kadar so izražena v eurih.
With regard to ‘Changes in the structure of the MFI sector’, Section 1.6.3.4 of the Manual on MFI balance sheet statistics (and the related Section 5.2 of Annex 1.1) provides a detailed description of intra-group transfers, distinguishing between cases where transfers take place between separate institutional units (e.g. before one or more of the units cease to exist in a merger or acquisition) and those that take place at the moment when some units cease to exist, in which case a statistical reclassification should be carried out.
Podatke o teh učinkih bi bilo treba poročati z negativnim (pozitivnim) predznakom, kadar imajo v neto zneskih za posledico zmanjšanje (povečanje) stanj, potrebni pa so za popolno uskladitev med neto posojanjem in spremembami stanj.
For the purposes of compiling the data reports, in both cases the implications are the same and the data should be reported under item 3.1C (and not under item 3.2C).
Te prilagoditve niso zajete z zahtevami, določenimi v Uredbi (EU) št. 1071/2013 (ECB/2013/33).
Net flows of loans that are securitised or otherwise transferred without any impact on loan stocks (3.1C)
Če MFI podatki (ali vsaj ocene) niso takoj dostopni, se lahko za namene poročil o podatkih izračunajo v skladu z usmeritvami v oddelku 4.2.2 Priročnika za statistiko bilance stanja MFI.
This item comprises the net amount of loans that are securitised or otherwise transferred during the reporting period without any impact on the reported loan stocks, and is calculated as acquisitions minus disposals.
Predlagani postopek ocenjevanja omejuje obseg izračunavanja na glavne valute in temelji na naslednjih korakih:
These write-offs and write-downs should be reported, where identifiable, under item 3.2B.
stanja primernih posojil ob koncu meseca pred začetkom obdobja in ob koncu obdobja (postavki 1 in 4) se razčlenijo po valutah denominacije s poudarkom na naborih posojil, denominiranih v GBP, USD, CHF in JPY.
Net flows relating to the provision of loans as collateral to the Eurosystem for monetary policy credit operations in the form of credit claims which result in a transfer without derecognition from the balance sheet are excluded from this item.
Če ti podatki niso takoj dostopni, se lahko uporabijo podatki o skupnih stanjih v bilanci stanja, vključno z olistinjenimi ali drugače prenesenimi posojili, katerih pripoznanje ni bilo odpravljeno – postavki 1.1 in 4.1;
Blocks 2.1 of Table 5a on monthly data and Table 5b on quarterly data cover data on net flows of loans that are securitised or otherwise transferred without any impact on loan stocks, but loans to households for house purchase are not separately identified and should thus be extracted from the MFIs' internal databases separately.
vsak nabor posojil se obravnava, kakor je navedeno v nadaljevanju.
In addition, as specified above, the requirements exclude:
Številke upoštevnih enačb v Priročniku za statistiko bilance stanja MFI so navedene v oklepajih:
loans disposed of to, or acquired from, another domestic MFI, including intra-group transfers owing to corporate business restructuring (e.g. when a domestic MFI subsidiary transfers a pool of loans to the parent MFI);
stanja ob koncu meseca pred začetkom obdobja poročanja in ob koncu obdobja se preračunajo v izvorno valuto denominacije z uporabo ustreznih nominalnih deviznih tečajev [7] (enačbi (4.2.2) in (4.2.3)),sprememba stanj v referenčnem obdobju, denominirana v tuji valuti, se izračuna in preračuna nazaj v eure z uporabo povprečne vrednosti dnevnih deviznih tečajev v obdobju poročanja (enačba (4.2.4)),
For additional details on the items to be included, see Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) and Section 2.3 of the Manual on MFI balance sheet statistics.
izračuna se razlika med spremembo stanj, preračunano v eure, kot se izračuna v prejšnjem koraku, in spremembo stanj v eurih (enačba (4.2.5) z nasprotnim predznakom);
Other adjustments (3.2)
končna prilagoditev deviznega tečaja se oceni kot vsota prilagoditev za vsako valuto.
Data on other adjustments must be reported for outstanding eligible loans on the balance sheet, excluding securitised or otherwise transferred loans which are not derecognised.
Za dodatne informacije glej oddelka 1.6.3.5 in 4.2.2 Priročnika za statistiko bilance stanja MFI.
Revaluations owing to changes in exchange rates (3.2 A)
Odpisi/delni odpisi (3.2B)
Movements in exchange rates against the euro give rise to changes in the value of loans denominated in foreign currencies when they are expressed in euro.
V skladu s točko (g) člena 1 Uredbe (EU) št. 1071/2013 (ECB/2013/33) „'delni odpis' pomeni neposredno zmanjšanje knjigovodske vrednosti posojila v statistični bilanci stanja zaradi oslabitve posojila“.
Data on these effects should be reported with a negative (positive) sign when in net terms they give rise to a reduction (increase) in outstanding amounts, and are necessary to allow a full reconciliation between net lending and changes in outstanding amounts.
Podobno v skladu s točko (h) člena 1 iste uredbe „'odpis' pomeni zmanjšanje celotne knjigovodske vrednosti posojila, zaradi česar se to umakne iz bilance stanja“.
These adjustments are not covered under the requirements laid down by Regulation (EU) No 1071/2013 (ECB/2013/33).
Učinke delnih odpisov in odpisov je treba poročati z negativnim ali pozitivnim predznakom, kadar imajo v neto zneskih za posledico zmanjšanje oziroma povečanje stanj.
For the purposes of the data reports, if the data (or even an approximation) are not readily available to MFIs, they can be calculated in accordance with the guidance provided in Section 4.2.2 of the Manual on MFI balance sheet statistics.
Ti podatki so potrebni za popolno uskladitev med neto posojanjem in spremembami stanj.
The suggested estimation procedure limits the scope of the calculations to major currencies and is based on the following steps:
Glede odpisov in delnih odpisov, povezanih s stanji posojil v bilanci stanja, se lahko uporabijo podatki, ki se pripravijo za izpolnjevanje minimalnih zahtev iz dela 4 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) (tabela 1A o mesečnih prevrednotovalnih popravkih).
the outstanding amounts of eligible loans at the end of the month preceding the start of the period and at the end of the period (items 1 and 4) are broken down by currency of denomination, focusing on the pools of loans denominated in GBP, USD, CHF and JPY.
Vendar pa je treba za ločitev učinka odpisov in delnih odpisov posojil na olistinjena ali drugače prenesena posojila, katerih pripoznanje ni bilo odpravljeno, pridobiti ločene podatke iz notranjih baz podatkov MFI.
If these data are not readily available, data on total outstanding amounts on the balance sheet, including securitised or otherwise transferred loans which are not derecognised — items 1.1 and 4.1 — may be used;
Podatke o stanjih primernih posojil (postavki 1 in 4) je treba načeloma popraviti za stanja rezervacij v primerih, kadar se posojila v statistični bilanci stanja evidentirajo v neto zneskih brez rezervacij.
each pool of loans is treated as follows.
Kadar udeleženci poročajo postavki 1.3 in 4.3, bi morali podatki o odpisih in delnih odpisih posojil vključevati navedbe o preklicu preteklih rezervacij za posojila, ki so postala (delno ali v celoti) neizterljiva, in dodatno tudi kakršne koli izgube, ki presegajo rezervacije, če to pride v poštev.
The relevant equation numbers in the Manual on MFI balance sheet statistics are provided in brackets:
Podobno, kadar se posojilo, za katero je oblikovana rezervacija, olistini ali drugače prenese, je treba evidentirati odpis ali delni odpis, ki je enak stanju rezervacij, z nasprotnim predznakom, da bi se ujemal s spremembo vrednosti v bilanci stanja, popravljeno za zneske rezervacij in vrednost neto toka.