natgillin/translations-raw huggingface dataset:
However, taking into account the existence of specialised business models, certain exemptions to this cap, either full or partial, should be permitted to give effect to the principle of proportionality and subject to the prior approval of the competent authorities.
Poleg tega bi se moralo kreditnim institucijam, ki so specializirane za financiranje nakupa motornih vozil ali potrošniške kredite, omogočiti, da uporabljajo višjo, 90-odstotno zgornjo mejo.
That should include an exemption for intra-group and intra-institutional protection scheme flows and credit institutions specialised in pass-through mortgage lending or in leasing and factoring.
Ta izvzetja bi morala biti na voljo tako na posamični kot konsolidirani ravni, vendar le, če so izpolnjena nekatera merila.
In addition, credit institutions specialised in financing for the acquisition of motor vehicles or in consumer credit loans should be allowed to apply a higher cap of 90 %.
Količnik likvidnostnega kritja bi se moral uporabljati za kreditne institucije tako na posamični kot konsolidirani podlagi, razen če pristojni organi opustijo uporabo na posamični podlagi v skladu s členom 8 ali 10 Uredbe (EU) št. 575/2013.
Those exemptions should be available at both the individual and consolidated level, but only where certain criteria are fulfilled.
Pri konsolidaciji podrejenih družb v tretjih državah bi se morale ustrezno upoštevati zahteve glede likvidnostnega kritja, ki veljajo v navedenih državah.
The liquidity coverage ratio should apply to credit institutions both on an individual and consolidated basis, unless the competent authorities waive the application on an individual basis in accordance with Articles 8 or 10 of Regulation (EU) No 575/2013.
V skladu s tem pravila za konsolidacijo v Uniji likvidna sredstva, likvidnostne odlive ali prilive v podrejenih družbah tretjih držav ne bi smela obravnavati ugodneje kot tiste, ki so na voljo v skladu z nacionalno zakonodajo zadevnih tretjih držav.
The consolidation of subsidiary undertakings in third countries should take due account of the liquidity coverage requirements applicable in those countries.
V skladu s členom 508(2) Uredbe (EU) št. 575/2013 mora Komisija sozakonodajalcema najpozneje do 31. decembra 2015 poročati, ali in kako bi bilo treba zahtevo glede likvidnostnega kritja iz dela 6 uporabiti pri investicijskih podjetjih.
Accordingly, consolidation rules in the Union should not give a more favourable treatment to liquid assets, liquidity outflows or inflows in third country subsidiary undertakings than that which is available under the national law of those third countries.
Do začetka veljavnosti te določbe bi morala za investicijska podjetja veljati nacionalna zakonodaja držav članic o zahtevi glede likvidnostnega kritja.
In accordance with Article 508(2) of Regulation (EU) No 575/2013, the Commission must report to the co-legislators by no later than 31 December 2015 on whether and how the liquidity coverage requirement laid down in Part Six should apply to investment firms.
Vendar, če so investicijska podjetja del bančnih skupin, bi moral zanje veljati količnik likvidnostnega kritja iz te uredbe na konsolidirani podlagi.
Until that provision starts to apply, investment firms should remain subject to the national law of Member States on the liquidity coverage requirement.
Kreditne institucije morajo pristojnim organom poročati o zahtevi glede likvidnostnega kritja, kot je podrobno določena v tej uredbi, v skladu s členom 415 Uredbe (EU) št. 575/2013.
However, investment firms should be subject to the liquidity coverage ratio laid down in this Regulation on a consolidated basis, where they form part of banking groups.
Da se kreditnim institucijam zagotovi dovolj časa za zagotovitev polne skladnosti s podrobno zahtevo glede likvidnostnega kritja, bo uvedena postopoma v skladu s časovnim načrtom iz člena 460(2) Uredbe (EU) št. 575/2013 in se bo od 1. oktobra 2015 z najmanjše vrednosti, in sicer 60 %, postopoma zviševala do 100 % 1. januarja 2018 –
Credit institutions are required to report to their competent authorities the liquidity coverage requirement as specified in detail in this Regulation in accordance with Article 415 of Regulation (EU) No 575/2013.
SPREJELA NASLEDNJO UREDBO:
In order to give credit institutions sufficient time to comply with the detailed liquidity coverage requirement in full, its introduction should be phased-in in accordance with the timetable laid down in Article 460(2) of Regulation (EU) No 575/2013, starting with a minimum of 60 % from 1 October 2015 rising to 100 % on 1 January 2018,
NASLOV I
HAS ADOPTED THIS REGULATION:
KOLIČNIK LIKVIDNOSTNEGA KRITJA
THE LIQUIDITY COVERAGE RATIO
Predmet urejanja
Article 1
Ta uredba določa pravila za podrobno opredelitev zahteve glede likvidnostnega kritja iz člena 412(1) Uredbe (EU) št. 575/2013.
This Regulation lays down rules to specify in detail the liquidity coverage requirement provided for in Article 412(1) of Regulation (EU) No 575/2013.
Področje uporabe in uporaba
Article 2
Ta uredba se uporablja za kreditne institucije, za katere velja nadzor v skladu z Direktivo 2013/36/EU Evropskega parlamenta in Sveta [4].
Scope and application
Kreditne institucije zagotavljajo skladnost s to uredbo na posamični podlagi v skladu s členom 6(4) Uredbe (EU) št. 575/2013.
This Regulation shall apply to credit institutions supervised under Directive 2013/36/EU of the European Parliament and of the Council [4].
Pristojni organi lahko za kreditno institucijo v celoti ali delno opustijo uporabo te uredbe na posamični podlagi v skladu s členom 8 ali 10 Uredbe (EU) št. 575/2013, če so izpolnjeni pogoji, določeni v njej.
Credit institutions shall comply with this Regulation on an individual basis in accordance with Article 6(4) of Regulation (EU) No 575/2013.
Če skupino sestavlja ena kreditna institucija ali več kreditnih institucij, nadrejene institucije EU, institucije, ki jih obvladuje nadrejeni finančni holding EU, ali institucije, ki jih obvladuje nadrejeni mešani finančni holding EU, izpolnjujejo obveznosti iz te uredbe na konsolidirani podlagi v skladu s členom 11(3) Uredbe (EU) št. 575/2013 in naslednjimi določbami:
The competent authorities may waive in full or in part the application of this Regulation on an individual basis in relation to a credit institution in accordance with Articles 8 and 10 of Regulation (EU) No 575/2013, provided that the conditions laid down therein are met.
sredstva v tretji državi, ki izpolnjujejo zahteve iz naslova II in ki jih ima podrejena družba v tretji državi, se ne priznajo za likvidna sredstva za namene konsolidacije, če ne štejejo za likvidna sredstva v skladu z nacionalno zakonodajo tretje države, ki določa zahtevo glede likvidnostnega kritja;
Where a group comprises one or more credit institutions, the EU parent institution, the institution controlled by an EU parent financial holding company or the institution controlled by an EU parent mixed financial holding company shall apply the obligations laid down in this Regulation on a consolidated basis in accordance with Article 11(3) of Regulation (EU) No 575/2013 and all the following provisions:
za likvidnostne odlive v podrejeni družbi v tretji državi, za katere velja nacionalna zakonodaja zadevne tretje države, ki določa zahtevo glede likvidnostnega kritja z višjimi odstotki, kot so odstotki iz naslova III, se uporablja konsolidacija v skladu z višjimi stopnjami, določenimi v nacionalni zakonodaji tretje države;
third country assets which meet the requirements laid down in Title II and which are held by a subsidiary undertaking in a third country shall not be recognised as liquid assets for consolidated purposes where they do not qualify as liquid assets under the national law of the third country setting out the liquidity coverage requirement;
za likvidnostne prilive v podrejeni družbi v tretji državi, za katere velja nacionalna zakonodaja zadevne tretje države, ki določa zahtevo glede likvidnostnega kritja z nižjimi odstotki, kot so odstotki iz naslova III, se uporablja konsolidacija v skladu z nižjimi stopnjami, določenimi v nacionalni zakonodaji tretje države;
liquidity outflows in a subsidiary undertaking in a third country which are subject under the national law of that third country setting out the liquidity coverage requirement to higher percentages than those specified in Title III shall be subject to consolidation in accordance with the higher rates specified in the national law of the third country;
za investicijska podjetja znotraj skupine se uporabljata člen 4 te uredbe na konsolidirani podlagi in člen 412 Uredbe (EU) št. 575/2013 v zvezi z opredelitvijo likvidnih sredstev ter likvidnostnih odlivov in prilivov za posamične in konsolidirane namene.
liquidity inflows in a subsidiary undertaking in a third country which are subject under the national law of that third country setting out the liquidity coverage requirement to lower percentages than those specified in Title III shall be subject to consolidation in accordance with the lower rates specified in the national law of the third country;
Če ni tako določeno v tej točki, se za investicijska podjetja še vedno uporablja podrobna zahteva glede količnika likvidnostnega kritja za investicijska podjetja, kot je določena v nacionalni zakonodaji držav članic, in sicer do specifikacije zahteve glede količnika likvidnostnega kritja v skladu s členom 508 Uredbe (EU) št. 575/2013;
investment firms within the group shall be subject to Article 4 of this Regulation on a consolidated basis and to Article 412 of Regulation (EU) No 575/2013 in relation to the definition of liquid assets, liquidity outflows and inflows for both individual and consolidated purposes.
na konsolidirani ravni se količina prilivov, ki izhajajo iz specializirane kreditne institucije iz odstavkov (3) in (4) člena 33, pripozna samo do količine odlivov, ki izhajajo iz istega podjetja.
Other than as specified in this point, investment firms shall remain subject to the detailed liquidity coverage ratio requirement for investment firms as laid down in the national law of Member States pending the specification of a liquidity coverage ratio requirement in accordance with Article 508 of Regulation (EU) No 575/2013;
Člen 3
at a consolidated level the amount of inflows arising from a specialised credit institution referred to in Article 33 paragraphs (3) and (4) shall only be recognised up to the amount of the outflows arising from the same undertaking.
Opredelitev pojmov
Definitions
„sredstva stopnje 1“ so sredstva z izjemno visoko likvidnostjo in kreditno kakovostjo iz drugega pododstavka člena 416(1) Uredbe (EU) št. 575/2013;
For the purposes of this Regulation, the following definitions shall apply:
„sredstva stopnje 2“ so sredstva z visoko likvidnostjo in kreditno kakovostjo iz drugega pododstavka člena 416(1) Uredbe (EU) št. 575/2013.
‘level 1 assets’ means assets of extremely high liquidity and credit quality as referred to in the second subparagraph of Article 416(1) of Regulation (EU) No 575/2013;
Sredstva stopnje 2 so dodatno razdeljena na sredstva stopnje 2A in stopnje 2B v skladu s poglavjem II naslova 2 te uredbe;
‘level 2 assets’ means assets of high liquidity and credit quality as referred to in the second subparagraph of Article 416(1) of Regulation (EU) No 575/2013. level 2 assets are further subdivided into level 2A and 2B assets in accordance with Chapter 2 of Title II of this Regulation;
„likvidnostni blažilnik“ je količina likvidnih sredstev, ki jih ima kreditna institucija v skladu z naslovom II te uredbe;
‘liquidity buffer’ means the amount of liquid assets that a credit institution holds in accordance with Title II of this Regulation;
„valuta poročanja“ je valuta, v kateri se morajo pristojnim organom poročati likvidnostne postavke iz naslovov II in III dela 6 Uredbe (EU) št. 575/2013 v skladu s členom 415 (1) navedene uredbe;
‘reporting currency’ means the currency in which the liquidity items referred to in Titles II and III of Part Six of Regulation (EU) No 575/2013 must be reported to the competent authority in accordance with Article 415(1) of that Regulation;
„zahteva glede pokritosti sredstev“ je razmerje sredstev glede na obveznosti, kot je določeno za namene izboljšanja kreditne kakovosti v zvezi s kritimi obveznicami v skladu z nacionalno zakonodajo države članice ali tretje države;
‘asset coverage requirement’ means the ratio of assets to liabilities as determined for credit enhancement purposes in relation to covered bonds by the national law of a Member State or a third country;
„MSP“ so mikro, mala in srednja podjetja, kot so opredeljena v Priporočilu Komisije 2003/361/ES [5];
‘SME’ means a micro, small and medium-sized enterprise as defined in Commission Recommendation 2003/361/EC [5];
„neto likvidnostni odlivi“ so znesek, ki se izračuna tako, da se likvidnostni prilivi kreditne institucije odštejejo od njenih likvidnostnih odlivov v skladu z naslovom III te uredbe;
‘net liquidity outflows’ means the amount which results from deducting a credit institution's liquidity inflows from its liquidity outflows in accordance with Title III of this Regulation;
„vloga na drobno“ je obveznost do fizične osebe ali MSP, kadar bi MSP izpolnjevalo pogoje za razvrstitev v kategorijo izpostavljenosti na drobno v skladu s standardiziranim pristopom ali pristopom IRB za kreditno tveganje, ali obveznost do podjetja, ki je upravičeno do obravnave iz člena 153(4) Uredbe (EU) št. 575/2013, kadar skupne vloge takega MSP ali podjetja na ravni skupine ne presegajo milijon EUR;
‘retail deposits’ means a liability to a natural person or to an SME, where the SME would qualify for the retail exposure class under the standardised or IRB approaches for credit risk, or a liability to a company which is eligible for the treatment set out in Article 153(4) of Regulation (EU) No 575/2013, and where the aggregate deposits by such SME or company on a group basis do not exceed EUR 1 million;
„finančna stranka“ je stranka, ki kot svojo glavno poslovno dejavnost opravlja eno ali več dejavnosti, navedenih v Prilogi I k Direktivi 2013/36/EU, ali je nekaj od naslednjega:
‘financial customer’ means a customer that performs one or more of the activities listed in Annex I to Directive 2013/36/EU as its main business, or is one of the following:
kreditna institucija,
a credit institution;
investicijsko podjetje;
an investment firm;
finančna institucija,
a financial institution;
subjekt s posebnim namenom pri listinjenju (v nadaljnjem besedilu: SSPE),
a securitisation special purpose vehicle (‘SSPE’);
kolektivni naložbeni podjem (v nadaljnjem besedilu: KNP),
a collective investment undertaking (‘CIU’);
zaprt investicijski sklad,
a non-open ended investment scheme;
zavarovalnica;
an insurance undertaking;
pozavarovalnica;
a reinsurance undertaking;
finančni holding ali mešani finančni holding;
a financial holding company or mixed-financial holding company;
„osebno investicijsko podjetje“ je podjetje ali sklad, čigar lastnik oziroma upravičenec je fizična oseba ali skupina tesno povezanih fizičnih oseb, ki je bila ustanovljena izključno za upravljanje premoženja lastnikov in ki ne opravlja drugih poslovnih, industrijskih ali strokovnih dejavnosti.
‘personal investment company’ (‘PIC’) means an undertaking or a trust whose owner or beneficial owner, respectively, is a natural person or a group of closely related natural persons, which was set up with the sole purpose of managing the wealth of the owners and which does not carry out any other commercial, industrial or professional activity.
Namen osebnega investicijskega podjetja lahko vključuje druge pomožne dejavnosti, kot so ločevanje sredstev lastnikov od sredstev podjetja, olajševanje prenosa sredstev v okviru družine ali preprečevanje ločitve sredstev po smrti družinskega člana, če so te dejavnosti povezane z glavnim namenom, ki je upravljanje premoženja lastnikov;
The purpose of the PIC may include other ancillary activities such as segregating the owners' assets from corporate assets, facilitating the transmission of assets within a family or preventing a split of the assets after the death of a member of the family, provided these are connected to the main purpose of managing the owners' wealth;
„stresne razmere“ so nenadno ali veliko poslabšanje kapitalske ustreznosti ali likvidnostnega položaja kreditne institucije zaradi spremembe razmer na trgu ali idiosinkratičnih dejavnikov, ki lahko povzročijo veliko tveganje, da kreditna institucija ne bo mogla izpolniti svojih obveznosti, ko zapadejo v naslednjih 30 koledarskih dneh;
‘stress’ shall mean a sudden or severe deterioration in the solvency or liquidity position of a credit institution due to changes in market conditions or idiosyncratic factors as a result of which there may be a significant risk that the credit institution becomes unable to meet its commitments as they fall due within the next 30 calendar days;
„krediti za povečanje trgovalnega portfelja“ so zavarovani krediti, odobreni strankam z namenom prevzema trgovalne pozicije s finančnim vzvodom.
‘margin loans’ means collateralised loans extended to customers for the purpose of taking leveraged trading positions.
Člen 4
Article 4
Količnik likvidnostnega kritja
The liquidity coverage ratio
Podrobna zahteva glede likvidnostnega kritja v skladu s členom 412(1) Uredbe (EU) št. 575/2013 je enaka količniku likvidnostnega blažilnika kreditne institucije in njenih neto likvidnostnih odlivov v stresnem obdobju, ki traja 30 koledarskih dni, ter se izrazi kot odstotek.
The detailed liquidity coverage requirement in accordance with Article 412(1) of Regulation (EU) No 575/2013 shall be equal to the ratio of a credit institution's liquidity buffer to its net liquidity outflows over a 30 calendar day stress period and shall be expressed as a percentage.
Kreditne institucije svoj količnik likvidnostnega kritja izračunajo v skladu z naslednjo formulo:
Credit institutions shall calculate their liquidity coverage ratio in accordance with the following formula:
likvidnostni blažilnik
Liquidity Buffer
neto likvidnostni odlivi v stresnem obdobju, ki traja 30 koledarskih dni
Net Liquidity Outflows over a 30 calendar day stress period
količnik likvidnostnega kritjav %
Liquidity Coverage Ratio%
Kreditne institucije ohranjajo količnik likvidnostnega kritja, ki znaša vsaj 100 %.
Credit institutions shall maintain a liquidity coverage ratio of at least 100 %.
Z odstopanjem od odstavka 2 lahko kreditne institucije unovčijo svoja likvidna sredstva za kritje svojih neto likvidnostnih odlivov v stresnih obdobjih, tudi če taka raba likvidnih sredstev povzroči, da je njihov količnik likvidnostnega kritja v teh obdobjih nižji od 100 %.
By derogation from paragraph 2, credit institutions may monetise their liquid assets to cover their net liquidity outflows during stress periods, even if such a use of liquid assets may result in their liquidity coverage ratio falling below 100 % during such periods.
Če se je količnik likvidnostnega kritja kreditne institucije kadar koli zmanjšal na manj kot 100 % oziroma se lahko tako zmanjšanje razumno pričakuje, velja zahteva iz člena 414 Uredbe (EU) št. 575/2013.
Where at any time the liquidity coverage ratio of a credit institution has fallen or can be reasonably expected to fall below 100 %, the requirement laid down in Article 414 of Regulation (EU) No 575/2013 shall apply.
Dokler se količnik likvidnostnega kritja ponovno ne vzpostavi na raven iz odstavka 2, kreditna institucija o količniku likvidnostnega kritja poroča pristojnemu organu v skladu z Izvedbeno uredbo Komisije (EU) št. 680/2014 [6].
Until the liquidity coverage ratio has been restored to the level referred to in paragraph 2, the credit institution shall report to the competent authority the liquidity coverage ratio in accordance with Commission Implementing Regulation (EU) No 680/2014 [6].
Kreditne institucije izračunajo in spremljajo svoj količnik likvidnostnega kritja v valuti poročanja in vsaki valuti, za katero velja ločeno poročanje v skladu s členom 415(2) Uredbe (EU) št. 575/2013, ter obveznosti v valuti poročanja.
Credit institutions shall calculate and monitor their liquidity coverage ratio in the reporting currency and in each of the currencies subject to separate reporting in accordance with Article 415(2) of Regulation (EU) No 575/2013, as well as for liabilities in the reporting currency.
Kreditne institucije poročajo o količniku likvidnostnega kritja pristojnim organom v skladu z Izvedbeno uredbo Komisije (EU) št. 680/2014.
Credit institutions shall report to their competent authority the liquidity coverage ratio in accordance with the Commission Implementing Regulation (EU) No 680/2014.
Člen 5
Article 5
Stresni scenariji za namene količnika likvidnostnega kritja
Stress scenarios for the purposes of the liquidity coverage ratio
Naslednji scenariji se lahko obravnavajo kot kazalniki okoliščin, v katerih se lahko šteje, da je kreditna institucija v stresnih razmerah:
The following scenarios may be regarded as indicators of circumstances in which a credit institution may be considered as being subject to stress:
odliv velikega deleža njenih vlog na drobno;
the run-off of a significant proportion of its retail deposits;
delna ali popolna izguba zmožnosti nezavarovanega grosističnega financiranja, vključno z vlogami pri mednarodnih finančnih subjektih in drugimi viri pogojnega financiranja, kot so odobrene ali neodobrene likvidnostne ali kreditne linije;
a partial or total loss of unsecured wholesale funding capacity, including wholesale deposits and other sources of contingent funding such as received committed or uncommitted liquidity or credit lines;
delna ali popolna izguba zavarovanega kratkoročnega financiranja;
a partial or total loss of secured, short-term funding;
dodatni likvidnostni odlivi, ki so posledica znižanja bonitetne ocene za do tri stopnje;
additional liquidity outflows as a result of a credit rating downgrade of up to three notches;
večja nestanovitnost trga, ki vpliva na vrednost zavarovanja s premoženjem ali njegovo kakovost oziroma ki ustvari potrebe po dodatnem zavarovanju s premoženjem;
increased market volatility affecting the value of collateral or its quality or creating additional collateral needs;
nenačrtovana črpanja okvirnih likvidnostnih kreditov ali okvirnih kreditov;
unscheduled draws on liquidity and credit facilities;
morebitna obveznost v zvezi s povratnim odkupom dolga ali izpolnjevanjem nepogodbenih obveznosti.
potential obligation to buy-back debt or to honour non-contractual obligations.
NASLOV II
TITLE II
LIKVIDNOSTNI BLAŽILNIK
THE LIQUIDITY BUFFER
POGLAVJE 1
CHAPTER 1
Splošne določbe
General provisions
Člen 6
Article 6
Sestava likvidnostnega blažilnika
Composition of the liquidity buffer
Da so likvidna sredstva lahko del likvidnostnega blažilnika kreditne institucije, morajo izpolnjevati vse naslednje zahteve:
In order to be eligible to form part of a credit institution's liquidity buffer, the liquid assets shall comply with each of the following requirements:
splošne zahteve iz člena 7;
the general requirements laid down in Article 7;
operativne zahteve iz člena 8;
the operational requirements laid down in Article 8;
zadevna merila primernosti za njihovo razvrstitev kot sredstva stopnje 1 ali stopnje 2 v skladu s poglavjem 2.
the respective eligibility criteria for their classification as a level 1 or level 2 asset in accordance with Chapter 2.
Člen 7
Article 7
Splošne zahteve za likvidna sredstva
General requirements for liquid assets
Sredstva kreditne institucije morajo biti skladna z odstavki 2–6, da se štejejo za likvidna sredstva.
In order to qualify as liquid assets, the assets of a credit institution shall comply with paragraphs 2 to 6.
Sredstva so premoženje, pravice, upravičenja ali deleži, ki jih ima kreditna institucija in ki niso obremenjeni.
The assets shall be a property, right, entitlement or interest held by a credit institution and free from any encumbrance.
Za te namene se šteje, da sredstva niso obremenjena, če za kreditno institucijo ne veljajo nobene pravne, pogodbene, regulativne ali druge omejitve, ki bi ji preprečevale unovčitev, prodajo, prenos, dodelitev ali na splošno odtujitev takih sredstev z dokončno prodajo na aktivnih trgih ali z repo poslom v naslednjih 30 koledarskih dneh.