natgillin/translations-raw huggingface dataset:
Article 48
cilje upravljanja, stopnjo tveganja, ki jo mora upoštevati upravitelj portfelja pri izvajanju diskrecijskega upravljanja, ter morebitne posebne omejitve te diskrecije.
Information about financial instruments
Informacije iz točk (a) do (e) se zagotovijo pravočasno pred izvedbo naložbenih storitev ali pomožnih storitev strankam ali potencialnim strankam.
Investment firms shall provide clients or potential clients in good time before the provision of investment services or ancillary services to clients or potential clients with a general description of the nature and risks of financial instruments, taking into account, in particular, the client's categorisation as either a retail client, professional client or eligible counterparty.
Člen 48
That description shall explain the nature of the specific type of instrument concerned, the functioning and performance of the financial instrument in different market conditions, including both positive and negative conditions, as well as the risks particular to that specific type of instrument in sufficient detail to enable the client to take investment decisions on an informed basis.
Informacije o finančnih instrumentih
The description of risks referred to in paragraph 1 shall include, where relevant to the specific type of instrument concerned and the status and level of knowledge of the client, the following elements:
Investicijska podjetja strankam in potencialnim strankam pravočasno pred izvedbo investicijskih storitev ali pomožnih storitev za stranke ali potencialne stranke zagotovijo splošen opis narave in tveganj finančnih instrumentov, pri čemer zlasti upoštevajo razvrstitev stranke v kategorijo neprofesionalne stranke, profesionalne stranke ali primerne nasprotne stranke.
the risks associated with that type of financial instrument including an explanation of leverage and its effects and the risk of losing the entire investment including the risks associated with insolvency of the issuer or related events, such as bail in;
V navedenem opisu so dovolj podrobno razloženi narava specifične vrste zadevnega instrumenta, obnašanje in uspešnost finančnega instrumenta v različnih tržnih razmerah, tako pozitivnih kot negativnih, ter tveganja, značilna za navedeno specifično vrsto instrumenta, da lahko stranka sprejme naložbeno odločitev na podlagi informacij.
the volatility of the price of such instruments and any limitations on the available market for such instruments;
Če je relevantno za specifično vrsto zadevnega instrumenta ter status in stopnjo znanja stranke, opis tveganj iz odstavka 1 vključuje naslednje:
information on impediments or restrictions for disinvestment, for example as may be the case for illiquid financial instruments or financial instruments with a fixed investment term, including an illustration of the possible exit methods and consequences of any exit, possible constraints and the estimated time frame for the sale of the financial instrument before recovering the initial costs of the transaction in that type of financial instruments;
tveganja, povezana z navedeno vrsto finančnega instrumenta, vključno z obrazložitvijo finančnega vzvoda in njegovih učinkov ter tveganjem izgube celotne naložbe, kar vključuje tveganja v zvezi s plačilno nesposobnostjo izdajatelja ali povezanimi dogodki, kot je reševanje s sredstvi upnikov;
the fact that an investor might assume, as a result of transactions in such instruments, financial commitments and other additional obligations, including contingent liabilities, additional to the cost of acquiring the instruments;
nestanovitnost cen takih instrumentov in vse morebitne omejitve na razpoložljivem trgu za take instrumente;
any margin requirements or similar obligations, applicable to instruments of that type.
informacije o ovirah ali omejitvah pri odprodaji naložb, do katerih lahko na primer pride pri nelikvidnih finančnih instrumentih ali finančnih instrumentih s fiksnim naložbenim obdobjem, kar vključuje ponazoritev možnih načinov izstopa iz naložbe ter njegovih posledic, možne omejitve in ocenjeni časovni okvir za prodajo finančnega instrumenta pred povrnitvijo začetnih stroškov posla pri navedeni vrsti finančnega instrumenta;
Where an investment firm provides a retail client or potential retail client with information about a financial instrument that is the subject of a current offer to the public and a prospectus has been published in connection with that offer in accordance with Directive 2003/71/EC, that firm shall in good time before the provision of investment services or ancillary services to clients or potential clients inform the client or potential client where that prospectus is made available to the public.
dejstvo, da bi lahko vlagatelj zaradi poslov s takimi instrumenti poleg stroškov pridobitve instrumentov prevzel finančne in druge dodatne obveznosti, vključno s pogojnimi obveznostmi;
Where a financial instrument is composed of two or more different financial instruments or services, the investment firm shall provide an adequate description of the legal nature of the financial instrument, the components of that instrument and the way in which the interaction between the components affects the risks of the investment.
morebitne zahteve po kritju ali podobne obveznosti, ki se nanašajo na instrumente navedene vrste.
In the case of financial instruments that incorporate a guarantee or capital protection, the investment firm shall provide a client or a potential client with information about the scope and nature of such guarantee or capital protection.
Če investicijsko podjetje neprofesionalni stranki ali potencialni neprofesionalni stranki zagotovi informacije o finančnem instrumentu, ki je predmet tekoče javne ponudbe, in je bil v zvezi z navedeno ponudbo objavljen prospekt v skladu z Direktivo 2003/71/ES, navedeno podjetje pravočasno pred izvedbo investicijskih storitev ali pomožnih storitev za stranke ali potencialne stranke o tem obvesti stranko ali potencialno stranko, kadar je prospekt na voljo javnosti.
When the guarantee is provided by a third party, information about the guarantee shall include sufficient detail about the guarantor and the guarantee to enable the client or potential client to make a fair assessment of the guarantee.
Če je finančni instrument sestavljen iz dveh ali več različnih finančnih instrumentov ali storitev, investicijsko podjetje zagotovi ustrezen opis pravne narave finančnega instrumenta, njegovih sestavnih delov in načina, na katerega vzajemno učinkovanje sestavnih delov vpliva na tveganje naložbe.
Article 49
V primeru finančnih instrumentov, ki vključujejo jamstvo ali zaščito kapitala, investicijsko podjetje stranki ali potencialni stranki zagotovi informacije o obsegu in naravi takega jamstva ali zaščite kapitala.
Information concerning safeguarding of client financial instruments or client funds
Če jamstvo zagotovi tretja oseba, informacije o jamstvu vključujejo dovolj podrobnosti o izdajatelju jamstva in jamstvu, da stranki ali potencialni stranki omogočijo pošteno oceno jamstva.
Investment firms holding financial instruments or funds belonging to clients shall provide those clients or potential clients with the information specified in paragraphs 2 to 7 where relevant.
Člen 49
The investment firm shall inform the client or potential client where the financial instruments or funds of that client may be held by a third party on behalf of the investment firm and of the responsibility of the investment firm under the applicable national law for any acts or omissions of the third party and the consequences for the client of the insolvency of the third party.
Informacije v zvezi z varovanjem finančnih instrumentov ali sredstev strank
Where financial instruments of the client or potential client may, if permitted by national law, be held in an omnibus account by a third party, the investment firm shall inform the client of this fact and shall provide a prominent warning of the resulting risks.
Investicijska podjetja, ki so imetnik finančnih instrumentov ali sredstev, ki pripadajo strankam, tem strankam ali potencialnim strankam po potrebi zagotovijo vse ustrezne informacije iz odstavkov 2 do 7.
The investment firm shall inform the client or potential client where it is not possible under national law for client financial instruments held with a third party to be separately identifiable from the proprietary financial instruments of that third party or of the investment firm and shall provide a prominent warning of the resulting risks.
Investicijsko podjetje obvesti stranko ali potencialno stranko o primerih, v katerih je lahko tretja oseba v imenu investicijskega podjetja imetnik finančnih instrumentov ali sredstev navedene stranke, in o odgovornosti investicijskega podjetja v skladu z veljavno nacionalno zakonodajo za vsa dejanja ali opustitve dejanj tretje osebe ter o posledicah za stranko v primeru plačilne nesposobnosti tretje osebe.
The investment firm shall inform the client or potential client where accounts that contain financial instruments or funds belonging to that client or potential client are or will be subject to the law of a jurisdiction other than that of a Member State and shall indicate that the rights of the client or potential client relating to those financial instruments or funds may differ accordingly.
Če je v skladu z nacionalno zakonodajo lahko imetnik finančnih instrumentov stranke ali potencialne stranke tretja oseba, ki jih ima na računu tipa „omnibus“, investicijsko podjetje stranko o tem obvesti in jo jasno opozori na tveganja, ki izhajajo iz tega.
An investment firm shall inform the client about the existence and the terms of any security interest or lien which the firm has or may have over the client's financial instruments or funds, or any right of set-off it holds in relation to those instruments or funds.
Investicijsko podjetje obvesti stranko ali potencialno stranko, če na podlagi nacionalne zakonodaje finančnih instrumentov stranke, katerih imetnik je tretja oseba, ni mogoče identificirati ločeno od finančnih instrumentov, katerih imetnik je navedena tretja oseba ali investicijsko podjetje za svoj račun, ter jo jasno opozori na tveganja, ki izhajajo iz tega.
Where applicable, it shall also inform the client of the fact that a depository may have a security interest or lien over, or right of set-off in relation to those instruments or funds.
Investicijsko podjetje obvesti stranko ali potencialno stranko, če za račune, ki vsebujejo finančne instrumente ali sredstva, ki pripadajo navedeni stranki ali potencialni stranki, velja ali bo veljala zakonodaja v jurisdikciji, ki ni jurisdikcija države članice, in navede, da se lahko pravice stranke ali potencialne stranke v zvezi z navedenimi finančnimi instrumenti ali sredstvi ustrezno spremenijo.
An investment firm, before entering into securities financing transactions in relation to financial instruments held by it on behalf of a client, or before otherwise using such financial instruments for its own account or the account of another client shall in good time before the use of those instruments provide the client, in a durable medium, with clear, full and accurate information on the obligations and responsibilities of the investment firm with respect to the use of those financial instruments, including the terms for their restitution, and on the risks involved.
Investicijsko podjetje obvesti stranko o obstoju in pogojih morebitne pravice do unovčitve finančnega zavarovanja ali zastavne pravice, ki jo podjetje ima ali bi jo lahko imelo pri finančnih instrumentih ali sredstvih stranke, ali kakršne koli pravice do izravnave, ki jo ima v zvezi z navedenimi instrumenti ali sredstvi.
Article 50
Če je primerno, obvesti stranko tudi o dejstvu, da ima lahko depozitar pravico do unovčitve finančnega zavarovanja ali zastavno pravico ali pravico do izravnave v zvezi z navedenimi instrumenti ali sredstvi.
Information on costs and associated charges
Preden začne investicijsko podjetje izvajati posle financiranja z vrednostnimi papirji v zvezi s finančnimi instrumenti, katerih imetnik je v imenu stranke, ali preden začne kako drugače uporabljati take finančne instrumente za svoj račun ali za račun druge stranke, pravočasno pred uporabo navedenih instrumentov stranki na trajnem nosilcu podatkov zagotovi jasne, popolne in natančne informacije o obveznostih in odgovornostih investicijskega podjetja glede uporabe navedenih finančnih instrumentov, vključno s pogoji za njihovo povračilo, ter o povezanih tveganjih.
For the purposes of providing information to clients on all costs and charges pursuant to Article 24(4) of Directive 2014/65/EU, investment firms shall comply with the detailed requirements in paragraphs 2 to 10.
Člen 50
Without prejudice to the obligations set out in Article 24(4) of Directive 2014/65/EU, investment firms providing investment services to professional clients shall have the right to agree to a limited application of the detailed requirements set out in this Article with these clients.
Informacije o stroških in povezanih dajatvah
Investment firms shall not be allowed to agree such limitations when the services of investment advice or portfolio management are provided or when, irrespective of the investment service provided, the financial instruments concerned embed a derivative.
Za namene zagotovitve informacij strankam o vseh stroških in dajatvah v skladu s členom 24(4) Direktive 2014/65/EU, investicijska podjetja izpolnjujejo podrobne zahteve iz odstavkov 2 do 10.
Without prejudice to the obligations set out in Article 24(4) of Directive 2014/65/EU, investment firms providing investment services to eligible counterparties shall have the right to agree to a limited application of the detailed requirements set out in this Article, except when, irrespective of the investment service provided, the financial instruments concerned embed a derivative and the eligible counterparty intends to offer them to its clients.
Brez poseganja v obveznosti iz člena 24(4) Direktive 2014/65/EU imajo investicijska podjetja, ki izvajajo investicijske storitve za profesionalne stranke, pravico, da se s temi strankami dogovorijo o omejeni uporabi podrobnih zahtev iz tega člena.
For ex-ante and ex-post disclosure of information on costs and charges to clients, investment firms shall aggregate the following:
Investicijska podjetja se ne smejo dogovoriti o takih omejitvah, kadar zagotavljajo storitve investicijskega svetovanja ali upravljanja portfeljev ali kadar imajo, ne glede na opravljeno investicijsko storitev, zadevni finančni instrumenti vgrajen izvedeni finančni instrument.
all costs and associated charges charged by the investment firm or other parties where the client has been directed to such other parties, for the investment services(s) and/or ancillary services provided to the client; and
Brez poseganja v obveznosti iz člena 24(4) Direktive 2014/65/EU imajo investicijska podjetja, ki izvajajo investicijske storitve za primerne nasprotne stranke, pravico, da se dogovorijo o omejeni uporabi podrobnih zahtev iz tega člena, razen kadar imajo, ne glede na opravljeno investicijsko storitev, zadevni finančni instrumenti vgrajen izvedeni finančni instrument in jih namerava primerna nasprotna stranka ponuditi svojim strankam.
all costs and associated charges associated with the manufacturing and managing of the financial instruments.
Za predhodno in naknadno razkrivanje informacij o stroških in dajatvah strankam investicijska podjetja združijo naslednje:
Costs referred to in points (a) and (b) are listed in Annex II to this Regulation.
vse stroške in povezane dajatve, ki jih zaračunajo investicijsko podjetje ali druge osebe, če je bila stranka usmerjena k takim drugim osebam, za investicijsko storitev oz. storitve in/ali pomožne storitve, opravljene za stranko, in
For the purposes of point (a), third party payments received by investment firms in connection with the investment service provided to a client shall be itemised separately and the aggregated costs and charges shall be totalled and expressed both as a cash amount and as a percentage.
vse stroške in povezane dajatve, ki se nanašajo na pripravo in upravljanje finančnih instrumentov.
Where any part of the total costs and charges is to be paid in or represents an amount of foreign currency, investment firms shall provide an indication of the currency involved and the applicable currency conversion rates and costs.
Stroški iz točk (a) in (b) so navedeni v Prilogi II k tej uredbi.
Investments firms shall also inform about the arrangements for payment or other performance.
Za namene točke (a) se plačila tretjih oseb, ki jih prejmejo investicijska podjetja v povezavi z investicijsko storitvijo, opravljeno za stranko, navedejo ločeno po posameznih plačilih, združeni stroški in dajatve pa se seštejejo ter izrazijo kot denarni znesek in tudi kot odstotek.
In relation to the disclosure of product costs and charges that are not included in the UCITS KIID, the investment firms shall calculate and disclose these costs, for example, by liaising with UCITS management companies to obtain the relevant information.
Če je kateri koli del skupnih stroškov in dajatev treba plačati v tuji valuti ali predstavlja znesek v tuji valuti, investicijska podjetja navedejo zadevno valuto ter veljavni menjalni tečaj in stroške.
The obligation to provide in good time a full ex-ante disclosure of information about the aggregated costs and charges related to the financial instrument and to the investment or ancillary service provided shall apply to investment firms in the following situations:
Investicijska podjetja prav tako zagotovijo informacije o ureditvah za plačevanje ali drugih načinih za izpolnjevanje obveznosti.
where the investment firm recommends or markets financial instruments to clients; or
V zvezi z razkritjem stroškov in dajatev za produkte, ki niso vključeni v dokument s ključnimi podatki za vlagatelje, ki se uporablja za KNPVP, investicijska podjetja izračunajo in razkrijejo te stroške, na primer tako, da se povežejo s podjetji za upravljanje KNPVP, da pridobijo zadevne informacije.
where the investment firm providing any investment services is required to provide clients with a UCITS KIID or PRIIPs KID in relation to the relevant financial instruments, in accordance with relevant Union legislation.
Obveznost pravočasne zagotovitve polnega predhodnega razkritja informacij o skupnih stroških in dajatvah v zvezi s finančnim instrumentom ter opravljeno investicijsko ali pomožno storitvijo se za investicijska podjetja uporablja v naslednjih primerih:
Investment firms that do not recommend or market a financial instrument to the client or are not obliged to provide the client with a KID/KIID in accordance with relevant Union legislation shall inform their clients about all costs and charges relating to the investment and/or ancillary service provided.
kadar investicijsko podjetje priporoča ali trži finančne instrumente strankam ali
Where more than one investment firm provides investment or ancillary services to the client, each investment firm shall provide information about the costs of the investment or ancillary services it provides.
kadar mora investicijsko podjetje, ki opravlja kakršne koli investicijske storitve, v skladu z zadevno zakonodajo Unije strankam v zvezi z relevantnim finančnim instrumentom zagotoviti dokument s ključnimi podatki za vlagatelje (KIID), ki se uporablja za KNPVP, ali dokument s ključnimi informacijami (KID) o paketnih naložbenih produktih za male vlagatelje in zavarovalnih naložbenih produktih.
An investment firm that recommends or markets to its clients the services provided by another firm, shall aggregate the cost and charges of its services together with the cost and charges of the services provided by the other firm.
Investicijska podjetja, ki ne priporočajo ali tržijo finančnega instrumenta stranki ali jim v skladu z zadevno zakonodajo Unije stranki ni treba zagotoviti dokumenta KID/KIID, svoje stranke obvestijo o vseh stroških in dajatvah v zvezi z opravljeno investicijsko in/ali pomožno storitvijo.
An investment firm shall take into account the costs and charges associated to the provision of other investment or ancillary services by other firms where it has directed the client to these other firms.
Kadar investicijske ali pomožne storitve za stranko opravlja več kot eno investicijsko podjetje, vsako investicijsko podjetje zagotovi informacije o stroških investicijskih ali pomožnih storitev, ki jih izvaja.
Where calculating costs and charges on an ex-ante basis, investment firms shall use actually incurred costs as a proxy for the expected costs and charges.
Investicijsko podjetje, ki svojim strankam priporoča ali trži storitve, ki jih izvaja drugo podjetje, združi strošek in dajatve svojih storitev s stroškom in dajatvami storitev, ki jih zagotovi drugo podjetje.
Where actual costs are not available, the investment firm shall make reasonable estimations of these costs.
Investicijsko podjetje upošteva stroške in dajatve, povezane z opravljanjem drugih investicijskih ali pomožnih storitev s strani drugih podjetij, če je usmerilo svoje stranke k tem drugim podjetjem.
Investment firms shall review ex-ante assumptions based on the ex-post experience and shall make adjustment to these assumptions, where necessary.
Pri predhodnem izračunu stroškov in dajatev investicijska podjetja uporabijo dejansko nastale stroške kot merilo za pričakovane stroške in dajatve.
Investment firms shall provide annual ex-post information about all costs and charges related to both the financial instrument(s) and investment and ancillary service(s) where they have recommended or marketed the financial instrument(s) or where they have provided the client with the KID/KIID in relation to the financial instrument(s) and they have or have had an ongoing relationship with the client during the year.
Kadar dejanski stroški niso na voljo, investicijsko podjetje izvede smiselno oceno teh stroškov.
Such information shall be based on costs incurred and shall be provided on a personalised basis.
Investicijska podjetja preverijo predhodne predpostavke glede na naknadne izkušnje in te postavke po potrebi prilagodijo.
Investment firms may choose to provide such aggregated information on costs and charges of the investment services and the financial instruments together with any existing periodic reporting to clients.
Investicijska podjetja zagotovijo letne naknadne informacije o vseh stroških in dajatvah, povezanih tako s finančnim instrumentom oz. instrumenti kot investicijsko ali pomožno storitvijo oz. storitvami, če so priporočila ali tržila finančni instrument oz. instrumente ali če so stranki zagotovila dokument KID/KIID v zvezi s finančnim instrumentom oz. instrumenti in imajo ali so imela tekoče razmerje s stranko med letom.
Investment firms shall provide their clients with an illustration showing the cumulative effect of costs on return when providing investment services.
Take informacije temeljijo na nastalih stroških ter se zagotovijo na ravni posameznih primerov.
Such an illustration shall be provided both on an ex-ante and ex-post basis.
Investicijska podjetja se lahko odločijo zagotavljati take združene informacije o stroških in dajatvah investicijskih storitev in finančnih instrumentov skupaj z morebitnimi obstoječimi rednimi poročili strankam.
Investment firms shall ensure that the illustration meets the following requirements:
Investicijska podjetja strankam pri izvajanju investicijskih storitev s ponazoritvijo prikažejo kumulativni učinek stroškov na donos.
the illustration shows the effect of the overall costs and charges on the return of the investment;
Taka ponazoritev se zagotovi tako predhodno kot naknadno.
the illustration shows any anticipated spikes or fluctuations in the costs; and
Investicijska podjetja zagotovijo, da ponazoritev izpolnjuje naslednje zahteve:
the illustration is accompanied by a description of the illustration.
ponazoritev prikazuje učinek vseh stroškov in dajatev na donos naložbe;
Article 51
ponazoritev prikazuje vsa pričakovana povišanja ali nihanja stroškov in
Information provided in accordance with Directive 2009/65/EU and Regulation (EU) No 1286/2014
ponazoritev spremlja opis ponazoritve.