natgillin/translations-raw huggingface dataset:
monies due from non-financial customers shall be reduced for the purposes of principal payment by 50 % of their value or by the contractual commitments to those customers to extend funding, whichever is higher.
zapadla denarna sredstva iz naslova vrednostnih papirjev, ki jih je izdala sama kreditna institucija ali povezani subjekt, se upoštevajo na neto osnovi, stopnja priliva pa se uporablja na podlagi veljavne stopnje priliva za sredstva, namenjena kritju, v skladu s tem členom;
For the purposes of this point, non-financial customers shall include corporates, sovereigns, multilateral development banks and public sector entities;
sredstva z nedoločenim pogodbenim končnim datumom se upoštevajo z 20-odstotno stopnjo priliva, če pogodba kreditni instituciji omogoča, da odstopi od pogodbe ali zahteva plačilo v 30 dneh.
By derogation credit institutions that have received a commitment referred to in Article 31(9) in order for them to disburse a promotional loan to a final recipient, or have received a similar commitment from a multilateral development bank or a public sector entity, may take an inflow into account up to the amount of the outflow they apply to the corresponding commitment to extend those promotional loans.
Točka (a) odstavka 3 se ne uporablja za zapadla denarna sredstva iz naslova zavarovanih kreditnih poslov in poslov z instrumenti kapitalskega trga, kot so opredeljeni v točkah (2) in (3) člena 192 Uredbe (EU) št. 575/2013, ki so v skladu z naslovom II zavarovani z likvidnimi sredstvi, kot je določeno v točki (b) odstavka 3.
monies due from secured lending and capital market-driven transactions as defined in points (2) and (3) of Article 192 of Regulation (EU) No 575/2013 collateralised by liquid assets, shall not be taken into account up to the value of the liquid assets net of the haircuts applicable in accordance with Title II.
Prilivi iz sprostitve stanj na ločenih računih v skladu z regulativnimi zahtevami za zaščito trgovalnih sredstev stranke se upoštevajo v celoti, če se ta ločena stanja vzdržujejo v likvidnih sredstvih, kot je opredeljeno v naslovu II.
Monies due for the remaining value or where they are collateralised by assets that do not qualify as liquid assets in accordance with Title II shall be taken into account in full.
Odlivi in prilivi, ki so predvideni v 30 koledarskih dneh, iz pogodb, navedenih v Prilogi II k Uredbi (EU) št. 575/2013, se izračunajo na neto osnovi, kot je opisano v členu 21, in se pomnožijo s 100 % v primeru neto priliva.
No inflow shall be allowed if the collateral is used to cover a short position according to Article 30(5);
Kreditne institucije ne upoštevajo prilivov iz likvidnih sredstev iz naslova II, razen zapadlih plačil iz naslova teh sredstev, ki niso izražena v tržni vrednosti sredstva.
monies due from contractual maturing margin loans made against non-liquid assets collateral may receive a 50 % inflow rate.
Kreditne institucije ne upoštevajo prilivov iz novih prevzetih obveznosti.
Such inflows may only be considered if the credit institution is not using the collateral it originally received against the loans to cover any short positions;
Kreditne institucije upoštevajo likvidnostne prilive, ki bodo prejeti v tretjih državah z omejitvami pri prenosu ali ki so denominirani v nekonvertibilnih valutah, le v takšni meri, kot ustrezajo odlivom v tretji državi oziroma v zadevni valuti.
monies due that the credit institution owing those monies treats in accordance with Article 27, with the exception of deposits at the central institution referred to in Article 27(3), shall be multiplied by a corresponding symmetrical inflow rate.
Člen 33
Where the corresponding rate cannot be established, a 5 % inflow rate shall be applied;
Zgornja meja prilivov
collateral swaps that mature within 30 calendar days shall lead to an inflow for the excess liquidty value of the assets lent compared to the liquidity value of the assets borrowed;
Kreditne institucije omejijo priznavanje likvidnostnih prilivov na 75 % skupnih likvidnostnih odlivov, kot so opredeljeni v poglavju 2, razen če se izvzame poseben priliv iz odstavkov 2, 3 ali 4.
if the collateral obtained through reverse repo, securities borrowing, or collateral swaps, which matures within the 30-day horizon, is rehypothecated and used to cover short positions that can be extended beyond 30 days, a credit institution shall assume that such reverse repo or securities borrowing arrangements will be rolled-over and will not give rise to any cash inflows reflecting its need to continue to cover the short position or to re-purchase the relevant securities.
Kreditna institucija lahko po predhodni odobritvi pristojnega organa v celoti ali deloma izvzame iz uporabe zgornje meje iz odstavka 1 naslednje likvidnostne prilive:
Short positions include both instances where in a matched book the credit institution sold short a security outright as part of a trading or hedging strategy and instances where the credit institution is short a security in the matched repo book and has borrowed a security for a given period and lent the security out for a longer period;
prilive, ki izvirajo od nadrejene osebe ali podrejene družbe kreditne institucije, ali druge podrejene družbe iste nadrejene kreditne institucije ali družbe, ki je z zadevno kreditno institucijo povezana v smislu člena 12(1) Direktive 83/349/EGS;
any undrawn credit or liquidity facilities and any other commitments received from entities other than central banks and those referred to in Article 34 shall not be taken into account.
prilive iz vlog pri drugih kreditnih institucijah znotraj skupine subjektov, ki so upravičeni do obravnave iz člena 113(6) ali (7) Uredbe (EU) št. 575/2013;
Undrawn committed liquidity facilities from the central bank which are recognised as liquid assets in accordance with Article 14 shall not be taken into account as an inflow;
prilive iz člena 26, vključno s prilivi iz kreditov, povezanih s hipotekarnim kreditiranjem, ali promocijskih kreditov iz člena 31(9) ali iz multilateralne razvojne banke ali subjekta javnega sektorja, ki jih je kreditna institucija pretočno financirala.
monies due from securities issued by the credit institution itself or by a related entity shall be taken into account on a net basis with an inflow rate applied on the basis of the inflow rate applicable to the underlying asset pursuant to this Article;
Specializirane kreditne institucije so lahko po predhodni odobritvi pristojnega organa izvzete iz uporabe zgornje meje prilivov, če sta njihovi glavni dejavnosti zakup in faktoring, pri čemer so izključene dejavnosti iz odstavka 4, ter če so izpolnjeni pogoji iz odstavka 5.
assets with an undefined contractual end date shall be taken into account with a 20 % inflow rate, provided that the contract allows the credit institution to withdraw or to request payment within 30 days.
Za specializirane kreditne institucije se lahko po predhodni odobritvi pristojnega organa uporablja zgornja meja prilivov v višini 90 %, če so izpolnjeni pogoji iz odstavka 5 in če sta njihovi glavni dejavnosti:
Point (a) of paragraph 3 shall not apply to monies due from secured lending and capital market-driven transactions as defined in points (2) and (3) of Article 192 of Regulation (EU) No 575/2013 that are collateralised by liquid assets in accordance with Title II as referred to in point (b) of paragraph 3.
financiranje nakupa motornih vozil;
Inflows from the release of balances held in segregated accounts in accordance with regulatory requirements for the protection of customer trading assets shall be taken into account in full, provided that those segregated balances are maintained in liquid assets as defined in Title II.
izdaja potrošniških kreditov, kot so opredeljeni v Direktivi 2008/48/ES Evropskega parlamenta in Sveta o potrošniških kreditnih pogodbah.
Outflows and inflows expected over 30 calendar days from the contracts listed in Annex II of Regulation (EU) No 575/2013 shall be calculated on a net basis as referred to in Article 21 and shall be multiplied by 100 % in the event of a net inflow.
Kreditne institucije iz odstavka 3 so lahko izvzete iz uporabe zgornje meje prilivov, kreditne institucije iz odstavka 4 pa lahko uporabijo zgornjo mejo, višjo od 90 %, če izpolnjujejo naslednje pogoje:
Credit institutions shall not take into account any inflows from any of the liquid assets referred to in Title II other than payments due on the assets that are not reflected in the market value of the asset.
poslovne dejavnosti imajo profil nizkega likvidnostnega tveganja, pri čemer se upoštevajo naslednji dejavniki:
Credit institutions shall not take into account inflows from any new obligations entered into.
časovni okvir prilivov je usklajen s časovnim okvirom odlivov;
Credit institutions shall take liquidity inflows which are to be received in third countries where there are transfer restrictions or which are denominated in non-convertible currencies into account only to the extent that they correspond to outflows respectively in the third country or currency in question.
kreditna institucija se na posamični ravni pomembno ne financira z vlogami na drobno;
Article 33
na posamični ravni delež njihovih glavnih dejavnosti, kot so omenjene v odstavku 3 ali 4, presega 80 % skupne bilančne vsote;
Cap on Inflows
odstopanja so razkrita v letnih poročilih.
Credit institutions shall limit the recognition of liquidity inflows to 75 % of total liquidity outflows as defined in Chapter 2 unless a specific inflow is exempted as referred to in paragraphs 2, 3 or 4.
Pristojni organi obvestijo EBA, katere specializirane kreditne institucije so izvzete oziroma za katere se uporablja višja zgornja meja, in zagotovijo utemeljitev.
Subject to the prior approval of the competent authority, the credit institution may fully or partially exempt from the cap referred to in paragraph 1 the following liquidity inflows:
EBA objavi in posodablja seznam specializiranih kreditnih institucij, ki so izvzete oziroma za katere se uporablja višja zgornja meja.
inflows where the provider is a parent or a subsidiary of the credit institution or another subsidiary of the same parent or linked to the credit institution by a relationship within the meaning of Article 12(1) of Directive 83/349/EEC;
EBA lahko zahteva podporno dokumentacijo.
inflows from deposits placed with other credit institutions within a group of entities qualifying for the treatment set out in Article 113(6) or (7) of Regulation (EU) No 575/2013;
Po odobritvi pristojnega organa se lahko izvzetja iz odstavkov 2, 3 in 4 uporabljajo tako na posamični kot na konsolidirani ravni v skladu s členom 2(3)(e).
inflows referred to in Article 26, including inflows from loans related to mortgage lending, or promotional loans referred to in Article 31(9) or from a multilateral development bank or a public sector entity that the credit institution has passed-through.
Kreditne institucije določijo znesek neto likvidnostnih odlivov ob uporabi zgornje meje prilivov v skladu s formulo iz Priloge II k tej uredbi.
Subject to the prior approval of the competent authority, specialised credit institutions may be exempted from the cap on inflows when their main activities are leasing and factoring business, excluding the activities described in paragraph 4, and the conditions laid down in paragraph 5 are met.
Člen 34
Subject to the prior approval of the competent authority, specialised credit institutions may be subject to a cap on inflows of 90 % when the conditions laid down in paragraph 5 are met and their main activities are the following:
Prilivi znotraj skupine ali institucionalne sheme za zaščito vlog
financing for the acquisition of motor vehicles;
Z odstopanjem od člena 32(3)(g) lahko pristojni organi za vsak posamezen primer posebej dovolijo uporabo višje stopnje priliva za nečrpane okvirne kredite in okvirne likvidnostne kredite, če so izpolnjeni vsi naslednji pogoji:
consumer credit as defined in Directive 2008/48/EC of the European Parliament and of the Council.
obstajajo razlogi, da se pričakuje višji priliv tudi v primeru kombinacije idiosinkratičnih in tržnih stresnih razmer nasprotne stranke;
Credit institutions referred to in paragraph 3 may be exempted from the cap on inflows and credit institutions referred to in paragraph 4 may apply a higher cap of 90 % provided they meet the following conditions:
nasprotna stranka je nadrejena oseba ali podrejena družba kreditne institucije ali druga podrejena družba iste nadrejene kreditne institucije ali je z zadevno kreditno institucijo povezana v smislu člena 12(1) Direktive 83/349/EGS ali član enake institucionalne sheme za zaščito vlog iz člena 113(7) Uredbe (EU) št. 575/2013 ali centralna institucija ali član mreže ali zadružne skupine, kot je navedeno v členu 10 Uredbe (EU) št. 575/2013;
the business activities exhibit a low liquidity risk profile, taking into account the following factors:
če stopnja priliva presega 40 %, nasprotna stranka uporabi zadevno simetrično stopnjo odliva z odstopanjem od člena 31;
the timing of inflows matches the timing of outflows;
Če imata kreditna institucija in nasprotna stranka, ki je kreditna institucija, sedež v različnih državah članicah, lahko pristojni organi opustijo pogoj iz točke (d) odstavka 1, če so poleg meril iz odstavka 1 izpolnjena dodatna objektivna merila od (a) do (c):
at individual level the credit institution is not significantly financed by retail deposits;
ponudnik in prejemnik likvidnosti imata profil nizkega likvidnostnega tveganja;
at individual level, the ratio of their main activities as referred to in paragraph 3 or 4 exceeds 80 % of the total balance sheet;
obstajajo pravno zavezujoči dogovori in zaveze med subjekti v skupini v zvezi z okvirnimi krediti ali okvirnimi likvidnostnimi krediti;
the derogations are disclosed in annual reports.
profil likvidnostnega tveganja likvidnostnega prejemnika se ustrezno upošteva pri upravljanju likvidnostnega tveganja ponudnika likvidnosti.
Competent authorities shall inform the EBA which specialised credit institutions have been exempted or are subject to a higher cap along with a justification.
Pristojni organi sodelujejo in se posvetujejo v skladu s členom 20(1)(b) Uredbe (EU) št. 575/2013, da ugotovijo, ali so dodatna merila iz tega odstavka izpolnjena.
The EBA shall publish and maintain a list of the specialised credit institutions exempted or subject to a higher cap.
Če so dodatna merila iz odstavka 2 izpolnjena, lahko pristojni organ ponudnika likvidnosti uporabi ugodnejšo stopnjo priliva v višini do 40 %.
The EBA may request supporting documentation.
Vendar je za ugodnejšo stopnjo, višjo od 40 %, ki se uporablja na simetrični osnovi, potrebna odobritev obeh pristojnih organov.
The exemptions laid down in paragraphs 2, 3 4, when approved by the competent authority, may be applied at both the individual and consolidated levels subject to Article 2(3)(e).
Če se odobri uporaba ugodnejše stopnje priliva, ki je višja od 40 %, pristojni organi obvestijo EBA o rezultatih procesa iz odstavka 2.
Credit institutions shall determine the amount of the net liquidity outflows under the application of the inflow cap in accordance with the formula laid down in Annex II to this Regulation
Pristojni organi redno spremljajo, ali so pogoji za take višje prilive še naprej izpolnjeni.
Article 34
NASLOV IV
Inflows within a group or an institutional protection scheme
KONČNE DOLOČBE
By way of derogation from Article 32(3)(g), competent authorities may authorise the application of a higher inflow rate on a case by case basis for undrawn credit and liquidity facilities when all of the following conditions are fulfilled:
Člen 35
there are reasons to expect a higher inflow even under a combined market and idiosyncratic stress of the provider;
Uporaba predhodnih pravil za bančna sredstva, za katera jamči država članica
the counterparty is the parent or a subsidiary of the credit institution or another subsidiary of the same parent or linked to the credit institution by a relationship within the meaning of Article 12(1) of Directive 83/349/EEC or a member of the same institutional protection scheme referred to in Article 113(7) of Regulation (EU) No 575/2013 or the central institution or an affiliate of a network or cooperative group as referred to in Article 10 of Regulation (EU) No 575/2013;
Sredstva, ki so jih izdale kreditne institucije in za katera jamčijo enote centralne ravni države članice, se štejejo za sredstva stopnje 1 samo, če:
where the inflow rate exceeds 40 %, a corresponding symmetric outflow rate is applied by the counterparty by way of derogation from Article 31;
je bilo jamstvo dodeljeno ali odobreno za najvišji znesek pred 30. junijem 2014;
Where the credit institution and the counterparty credit institution are established in different Member States, competent authorities may waive the condition set out in point (d) of paragraph 1 where, in addition to the criteria in paragraph 1, the following additional objective criteria (a) to (c) are fulfilled:
je jamstvo neposredno, izrecno, nepreklicno in brezpogojno ter krije neplačilo glavnice in obresti, ko zapadeta.
the liquidity provider and receiver present a low liquidity risk profile;
Če je dajalec jamstva enota regionalne ali lokalne ravni države članice, se sredstva, za katera jamči, štejejo za sredstva stopnje 1 samo, če se izpostavljenosti do take enote regionalne ali lokalne ravni države članice obravnavajo kot izpostavljenosti do njene enote centralne ravni države v skladu s členom 115(2) Uredbe (EU) št. 575/2013 in če jamstvo izpolnjuje zahteve iz odstavka 1.
there are legally binding agreements and commitments between group entities regarding the credit or liquidity line;
Sredstva iz odstavkov 1 in 2 se še naprej štejejo za sredstva stopnje 1, dokler v zvezi z zadevnim izdajateljem ali njegovimi sredstvi velja jamstvo, kot je bilo po potrebi občasno spremenjeno ali nadomeščeno.
the liquidity risk profile of the liquidity receiver has been adequately taken into account in the liquidity risk management of the liquidity provider.
Če se znesek jamstva v korist izdajatelja ali njegovih sredstev kadar koli po 30. juniju 2014 poveča, se sredstva štejejo za likvidna sredstva samo do najvišjega zneska jamstva, ki je bilo odobreno pred tem datumom.
The competent authorities shall work together in full consultation in accordance with Article 20(1)(b) of Regulation (EU) No 575/2013 to determine whether the additional criteria set out in this paragraph are met.
Za sredstva iz tega člena veljajo iste zahteve, ki se v skladu s to uredbo uporabljajo za sredstva stopnje 1, ki predstavljajo terjatve do enot centralne, regionalne ali lokalne ravni države ali subjektov javnega sektorja iz člena 10(1)(c) ali terjatve, za katere ti jamčijo.
Where the additional criteria laid down in paragraph 2 are met, the competent authority of the liquidity receiver shall be allowed to apply a preferential inflow rate of up to 40 %.
Če za kreditno institucijo ali njena sredstva velja sistem jamstva, se za namene tega člena celoten sistem jamstva obravnava kot jamstvo.
However, the approval of both competent authorities shall be required for any preferential rate higher than 40 %, which shall be applied on a symmetric basis.
Člen 36
Where the application of a preferential inflow rate above 40 % is authorised, the competent authorities shall inform EBA about the result of the process referred to in paragraph 2.
Prehodna določba za agencije za upravljanje slabih terjatev, ki jih financirajo države članice
The competent authorities shall review regularly that the conditions for such higher inflows continue to be fulfilled.
Nadrejene obveznice, ki jih izdajo naslednje agencije za upravljanje slabih terjatev, ki jih financirajo države članice, se štejejo za sredstva stopnje 1 do 31. decembra 2023:
TITLE IV
National Asset Management Agency (NAMA) na Irskem;
FINAL PROVISIONS
Sociedad de Gestión de Activos Procedentes de la Reestructuración Bancaria, S.A.
Article 35
(SAREB) v Španiji;
Grandfathering of Member State-guaranteed bank assets
Družba za upravljanje terjatev bank v Sloveniji, kot je bila ustanovljena v skladu z Zakonom o ukrepih Republike Slovenije za krepitev stabilnosti bank (ZUKSB).
Assets issued by credit institutions which benefit from a guarantee from the central government of a Member State shall qualify as level 1 assets only where the guarantee:
Za sredstva iz odstavka 1 veljajo iste zahteve, ki se v skladu s to uredbo uporabljajo za sredstva stopnje 1, ki predstavljajo terjatve do enot centralne, regionalne ali lokalne ravni države ali subjektov javnega sektorja iz člena 10(1)(c) ali terjatve, za katere ti jamčijo.
was granted or committed to for a maximum amount prior to 30 June 2014;
Člen 37
is a direct, explicit, irrevocable and unconditional guarantee and covers the failure to pay principal and interest when due.
Prehodna določba za listinjenja na podlagi stanovanjskih kreditov
Where the guarantor is a regional government or local authority in a Member State, the guaranteed asset shall qualify as level 1 only where exposures to such regional government or local authority are treated as exposures to their central government in accordance with Article 115(2) of Regulation (EU) No 575/2013 and the guarantee complies with the requirements laid down in paragraph 1.
Z odstopanjem od člena 13 se listinjenja, izdana pred 1. oktobrom 2015, pri katerih so osnovne izpostavljenosti stanovanjski krediti iz točke (g)(i) člena 13(2), štejejo za sredstva stopnje 2B, če izpolnjujejo vse zahteve iz člena 13, razen zahtev glede razmerja med vrednostjo kredita in vrednostjo nepremičnine ter razmerja med kreditom in dohodkom iz točke (g)(i) člena 13(2).
The assets referred to in paragraphs 1 and 2 shall continue to qualify as level 1 assets for as long as the guarantee remains in force in relation to the relevant issuer or its assets, as applicable, as amended or replaced from time to time.
Z odstopanjem od člena 13 se listinjenja, izdana po 1. oktobru 2015, pri katerih so osnovne izpostavljenosti stanovanjski krediti iz točke (g)(i) člena 13(2), ki ne izpolnjujejo zahtev glede povprečnega razmerja med vrednostjo kredita in vrednostjo nepremičnine ter razmerja med kreditom in dohodkom iz navedene točke, štejejo za sredstva stopnje 2B do 1. oktobra 2025, če osnovne izpostavljenosti vključujejo stanovanjske kredite, za katere se v času, ko so bili odobreni, ni uporabljala nacionalna zakonodaja, ki ureja omejitve razmerij med kreditom in dohodkom, in če so bili taki stanovanjski krediti odobreni kadar koli pred 1. oktobrom 2015.
Where the amount of a guarantee in favour of an issuer or its assets is increased at any time after 30 June 2014, the assets shall only qualify as liquid assets up to the maximum amount of the guarantee that was committed prior to that date.
Člen 38
The assets referred to in this Article shall be subject to the same requirements applicable under this Regulation to level 1 assets representing claims on or guaranteed by the central or regional governments, local authorities or public sector entities referred to in Article 10(1)(c).
Prehodna določba za uvedbo količnika likvidnostnega kritja
Where a credit institution or its assets benefit from a guarantee scheme, the scheme as a whole shall be regarded as a guarantee for the purposes of this Article.
V skladu s členom 460(2) Uredbe (EU) št. 575/2013 se količnik likvidnostnega kritja iz člena 4 uvede, kot sledi:
Article 36
60 % zahteve glede likvidnostnega kritja od 1. oktobra 2015;
Transitional provision for Member State-sponsored impaired asset management agencies
70 % od 1. januarja 2016;
The senior bonds issued by the following Member State-sponsored impaired assets management agencies shall qualify as level 1 assets until 31 December 2023:
80 % od 1. januarja 2017;
in Ireland, the National Asset Management Agency (NAMA);
100 % od 1. januarja 2018.