natgillin/translations-raw huggingface dataset:
Critical services should be the underlying operations, activities and services performed for one (dedicated services) or more business units or legal entities (shared services) within the group which are needed to provide one or more critical functions.
Storitev bi se morala šteti za kritično, ko lahko njena motnja resno ovira izvajanje kritičnih funkcij ali popolnoma prepreči njihovo izvajanje, saj so neločljivo povezane s kritičnimi funkcijami, ki jih institucija izvaja za tretje osebe.
Critical services can be performed by one or more entities (such as a separate legal entity or an internal unit) within the group (internal service) or be outsourced to an external provider (external service).
Njihova opredelitev temelji na opredelitvi kritične funkcije.
A service should be considered critical where its disruption can present a serious impediment to, or completely prevent, the performance of critical functions as they are intrinsically linked to the critical functions that an institution performs for third parties.
Institucije in organi za reševanje bi morali v načrtih za sanacijo in reševanje opredeliti tudi kritične storitve.
Their identification follows the identification of a critical function.
Če so zadevne kritične storitve oddane v izvajanje tretjim osebam, bi moral biti organ za reševanje zmožen omejiti svojo oceno na to, kar je potrebno za preverjanje, ali ima institucija vzpostavljen ustrezen načrt neprekinjenega poslovanja.
Institutions and resolution authorities should also identify the critical services in the recovery and resolution plans.
Opredelitev storitev za kritične bi morala institucijam omogočati, da zagotavljajo njihovo stalno razpoložljivost, tako da jih izvajajo prek subjektov ali enot, odpornih v primeru neuspeha, ali da se vzpostavijo ustrezne ureditve, kadar storitve izvaja zunanji izvajalec.
To the extent that critical services are outsourced to third parties, the resolution authority should be able to limit its assessment to that which is necessary to verify whether the institution has an appropriate business continuity plan in place.
Glavna razlika med kritično funkcijo in glavnim poslovnim področjem je v učinku zadevnih dejavnosti.
The determination of a service as critical should enable institutions to ensure the continued availability of those services by providing them through entities or units that are resilient in a failure, or establishing appropriate arrangements where they are supplied by an external provider.
Medtem ko bi bilo treba kritične funkcije ocenjevati z vidika pomena za delovanje realnega gospodarstva in finančnih trgov ter s tem za finančno stabilnost kot celoto, bi bilo treba glavna poslovna področja ocenjevati na podlagi pomena za samo institucijo, kot je stopnja njihovih prispevkov za prihodke in dobičke institucije.
The main difference between a critical function and a core business line lies in the impact of the activities concerned.
Če naj bi načrt za sanacijo vseboval podroben opis postopkov za določitev vrednosti in tržljivosti glavnih poslovnih področij, dejavnosti in sredstev institucije, bi moral tudi načrt za reševanje vsebovati razporeditev kritičnih dejavnosti in glavnih poslovnih področij institucije ter pokazati, kako bi lahko kritične funkcije in glavna poslovna področja pravno in gospodarsko ločili od drugih funkcij, da se zagotovi kontinuiteta v primeru propada institucije.
While critical functions should be assessed from a perspective of their importance for the functioning of the real economy and financial markets and therefore for financial stability as a whole, core business lines should be assessed on the basis of the importance for the institution itself such as the level of their contributions to revenues and profits of the institution.
Pri reševanju lahko kontinuiteta kritičnih funkcij in glavnih poslovnih področij upraviči izvzetje določenih obveznosti iz uporabe instrumenta za reševanje s sredstvi upnikov ter njihov prenos na premostitveno banko.
Insofar as the recovery plan should contain a detailed description of the processes for determining the value and marketability of the core business lines, operations and assets of the institution, also the resolution plan should contain a mapping of the institution's critical operations and core business lines and a demonstration of how critical functions and core business lines could be legally and economically separated from other functions so as to ensure continuity upon the failure of the institution.
Medtem ko so glavna poslovna področja pogosto opredelijo glede na njihov prispevek k finančnim rezultatom institucije, tak pristop morda ne zajame v celoti vseh glavnih poslovnih področij, ker lahko institucija izvaja storitev, ki ni neposredno dobičkonosna (ali lahko celo prinaša izgube), vendar ustvarja znatno vrednost franšize in je zato pomembna za njeno poslovanje kot celoto –
In resolution, the continuity of critical functions and core business lines may justify an exemption of certain liabilities from the application of the bail-in tool and may also justify its transference to a bridge bank.
SPREJELA NASLEDNJO UREDBO:
While core business lines are often linked to how much they contribute to the financial results of the institution, such an approach may not completely capture all core business lines because an institution may provide a service which is not directly profitable (or may even generate losses) but creates significant franchise value and is therefore important to its business as a whole,
POGLAVJE I
HAS ADOPTED THIS REGULATION:
SKUPNE DOLOČBE
COMMON PROVISIONS
Predmet urejanja
Subject matter
okoliščin in pogojev, v katerih se lahko plačilo izrednih naknadnih prispevkov deloma ali v celoti odloži v skladu s členom 104(3) Direktive 2014/59/EU;
This Regulation lays down rules specifying:
meril za določitev aktivnosti, storitev in dejavnosti iz točke (35) člena 2(1) Direktive 2014/59/EU;
the circumstances and conditions under which the payment of extraordinary ex-post contributions may be partially or entirely deferred pursuant to Article 104(3) of Directive 2014/59/EU;
meril za določitev glavnih poslovnih področij in z njimi povezanih storitev iz točke (36) člena 2(1) Direktive 2014/59/EU.
the criteria for the determination of the activities, services and operations referred to in point (35) of Article 2(1) of Directive 2014/59/EU;
Navedena pravila uporablja organ za reševanje, ki ga države članice določijo v skladu s členom 3 Direktive 2014/59/EU.
the criteria for the determination of the business lines and associated services referred to in point (36) of Article 2(1) of Directive 2014/59/EU.
Člen 2
Those rules shall be applied by a resolution authority designated by a Member State in accordance with Article 3 of Directive 2014/59/EU.
Opredelitev pojmov
Definitions
„obdobje odložitve“ pomeni obdobje do šest mesecev;
For the purposes of this Regulation, the following definitions shall apply:
„funkcija“ pomeni strukturiran sklop aktivnosti, storitev ali dejavnosti, ki jih institucija ali skupina opravi za tretje osebe ne glede na notranjo organizacijo institucije;
‘deferral period’ means a period of up to six months;
„poslovno področje“ pomeni strukturiran sklop aktivnosti, postopkov ali dejavnosti, ki jih institucija ali skupina razvije za tretje osebe, da doseže cilje organizacije.
‘function’ means a structured set of activities, services or operations that are delivered by the institution or group to third parties irrespective from the internal organisation of the institution;
POGLAVJE II
‘business line’ means as a structured set of activities, processes or operations that are developed by the institution or group for third parties to achieve the organisation's goals.
ODLOŽITEV NAKNADNIH PRISPEVKOV
DEFERRAL OF EX POST CONTRIBUTIONS
Odložitev izrednih naknadnih prispevkov
Article 3
Odložitev naknadnih prispevkov iz člena 104(3) Direktive 2014/59/EU lahko organ za reševanje odobri na prošnjo institucije.
Deferral of extraordinary ex post contributions
Zadevna institucija zagotovi vse informacije, ki se organu za reševanje zdijo potrebne, da opravi oceno učinka plačila izrednih naknadnih prispevkov na njen finančni položaj.
The deferral of ex post contributions referred to in Article 104(3) of Directive 2014/59/EU may be granted by the resolution authority upon an institution's request.
Organ za reševanje upošteva vse informacije, ki jih imajo na voljo pristojni nacionalni organi, da bi ugotovil, ali institucija izpolnjuje pogoje za odložitev iz odstavka 3.
That institution shall provide any information deemed necessary by the resolution authority to conduct the assessment of the impact of the payment of extraordinary ex post contributions on its financial position.
Ko organ za reševanje ugotavlja, ali zadevna institucija izpolnjuje pogoje za odložitev, oceni učinek, ki bi ga imelo plačilo izrednih naknadnih prispevkov na solventnost in likvidnostni položaj zadevne institucije.
The resolution authority shall take into account all information available to the national competent authorities to establish whether that institution meets the conditions for deferral referred to in paragraph 3.
Kadar je zadevna institucija del skupine, ocena vključuje tudi učinek solventnosti in likvidnosti skupine kot celote.
When determining whether that institution meets the conditions for deferral, the resolution authority shall assess the impact a payment of extraordinary ex post contributions would have on the solvency and liquidity position of that institution.
Organ za reševanje lahko odloži plačilo izrednih naknadnih prispevkov, če ugotovi, da bo plačilo povzročilo katero koli od naslednjih stanj:
Where that institution is part of a group, the assessment shall also include the impact of solvency and liquidity of the group as a whole.
verjetno kršitev zahtev glede minimalnih kapitalskih zahtev za institucijo iz člena 92 Uredbe št. 575/2013 Evropskega parlamenta in Sveta v naslednjih šestih mesecih [2];
The resolution authority may defer payment of extraordinary ex post contributions where it concludes that the payment results in any of the following:
verjetno kršitev zahteve glede likvidnostnega kritja za institucijo iz člena 412(1) Uredbe (EU) št. 575/2013 in člena 4 Delegirane uredbe Komisije (EU) 2015/61 v naslednjih šestih mesecih [3];
a likely breach, within the following six months, of the institution's minimum own funds requirements set out in Article 92 of Regulation (EU) No 575/2013 of the European Parliament and of the Council [2];
verjetno kršitev posebne zahteve glede likvidnosti za institucijo iz člena 105 Direktive 2013/36/EU Evropskega parlamenta in Sveta v naslednjih šestih mesecih [4].
a likely breach, within the following six months, of the institution's minimum liquidity coverage requirement set out in Article 412(1) of Regulation (EU) No 575/2013 and specified in Article 4 of the Commission Delegated Regulation (EU) 2015/61 [3];
Organ za reševanje omeji obdobje odložitve na toliko, kot je potrebno, da se izogne tveganjem za finančni položaj zadevne institucije ali njene skupine.
a likely breach, within the following six months, of the institution's specific liquidity requirement set out in Article 105 of Directive 2013/36/EU of the European Parliament and of the Council [4].
Redno spremlja, ali med obdobjem odložitve še vedno veljajo pogoji za odložitev iz odstavka 3.
The resolution authority shall limit the deferral period to the extent it is necessary to avoid risks to the financial position of that institution or its group.
Organ za reševanje lahko na prošnjo zadevne institucije obnovi obdobje odložitve, če ugotovi, da še vedno veljajo pogoji za odložitev iz odstavka 3.
The resolution authority shall regularly monitor whether the conditions for the deferral referred to in paragraph 3 continue to apply during the deferral period.
Ta obnovitev ne presega šest mesecev.
Upon request of that institution, the resolution authority may renew the deferral period, where it determines that the conditions for the deferral referred to in paragraph 3 continue to apply.
Člen 4
This renewal shall not exceed 6 months.
Ocena učinka odložitve na solventnost
Article 4
Organ za reševanje oceni učinek plačila izrednih naknadnih prispevkov na položaj regulatornega kapitala institucije.
Assessment of the impact of the deferral on solvency
Zadevna ocena vključuje analizo učinka, ki bi ga imelo plačilo izrednih naknadnih prispevkov na skladnost institucije z zahtevami glede minimalnih kapitalskih zahtev iz člena 92 Uredbe (EU) št. 575/2013.
The resolution authority shall assess the impact of the payment of extraordinary ex post contributions on the institution's regulatory capital position.
Zaradi te ocene se znesek naknadnih prispevkov odšteje od kapitala institucije.
That assessment shall include an analysis of the impact the payment of extraordinary ex post contributions would have on the institution's compliance with the minimum own funds requirements set out in Article 92 of Regulation (EU) No 575/2013.
Analiza iz odstavka 1 zajema vsaj obdobje do naslednjega datuma predložitve informacij glede kapitalske zahteve iz člena 3 Izvedbene uredbe Komisije (EU) št. 680/2014 [5].
For the purpose of this assessment, the amount of ex post contributions shall be deducted from the institution's own funds position.
Člen 5
The analysis referred to in paragraph 1 shall cover at least the period up to the next reporting remittance date for the own funds requirement set out in Article 3 of Commission Implementing Regulation (EU) No 680/2014 [5].
Ocena učinka odložitve na likvidnost
Article 5
Organ za reševanje oceni učinek plačila izrednih naknadnih prispevkov na likvidnostni položaj institucije.
Assessment of the impact of deferral on liquidity
Zadevna ocena vključuje analizo učinka, ki bi ga imelo plačilo izrednih naknadnih prispevkov na zmožnost institucije, da izpolni zahtevo glede likvidnostnega kritja iz člena 412(1) Uredbe (EU) št. 575/2013 in člena 4 Delegirane uredbe (EU) 2015/61.
The resolution authority shall assess the impact of the payment of extraordinary ex post contributions on the institution's liquidity position.
Organ za reševanje za izvedbo analize iz odstavka 1 k izračunu neto likvidnostnih odlivov iz člena 20(1) Delegirane uredbe (EU) 2015/61 prišteje likvidnostni odliv, ki je enak 100 % zneska, plačljivega ob zapadlosti plačila izrednih naknadnih prispevkov.
That assessment shall include an analysis of the impact a payment of extraordinary ex post contributions would have on the institution's ability to meet the liquidity coverage requirement provided for in Article 412(1) of Regulation (EU) No 575/2013 and specified in Article 4 of Delegated Regulation (EU) 2015/61.
Organ za reševanje oceni tudi učinek takega odliva, ugotovljenega na podlagi odstavka 2, na posebne zahteve glede likvidnosti iz člena 105 Direktive 2013/36/EU.
For the purposes of the analysis described in paragraph 1, the resolution authority shall add a liquidity outflow, equal to 100 % of the amount payable at the point in time when the payment of extraordinary ex post contributions is due, to the calculation of net liquidity outflows as set out in Article 20(1) of Delegated Regulation (EU) 2015/61.
Analiza iz odstavka 1 zajema vsaj obdobje do naslednjega datuma predložitve informacij v zvezi z zahtevo glede likvidnosti iz člena 3 Izvedbene uredbe (EU) št. 680/2014.
The resolution authority shall also assess the impact of such outflow established under paragraph 2 on the specific liquidity requirements set out in Article 105 of Directive 2013/36/EU.
POGLAVJE III
The analysis referred to in paragraph 1 shall cover at least the period up to the next reporting remittance date for the liquidity coverage requirement set out in Article 3 of Implementing Regulation (EU) No 680/2014.
MERILA ZA DOLOČITEV KRITIČNIH FUNKCIJ IN GLAVNIH POSLOVNIH PODROČIJ
CRITERIA RELATING TO THE DETERMINATION OF CRITICAL FUNCTIONS AND CORE BUSINESS LINES
Merila v zvezi z določitvijo kritičnih funkcij
Article 6
Funkcija se šteje za kritično, kadar izpolnjuje obe naslednji merili:
Criteria relating to the determination of critical functions
institucija zagotavlja funkcijo tretjim osebam, ki niso pridružene instituciji ali skupini, in
A function shall be considered critical, where it fulfils both of the following:
nenadna motnja zadevne funkcije bi verjetno bistveno negativno vplivala na tretje osebe, povzročila širjenje negativnih vplivov ali ogrozila splošno zaupanje udeležencev na trgu zaradi sistemskega pomena funkcije za tretje osebe in sistemskega pomena institucije ali skupine pri zagotavljanju funkcije.
the function is provided by an institution to third parties not affiliated to the institution or group; and
Institucija in organ za reševanje pri ocenjevanju bistvenega negativnega vpliva na tretje osebe, sistemskega pomena funkcije za tretje osebe in sistemskega pomena institucije ali skupine pri zagotavljanju funkcije upoštevata velikost, tržni delež, zunanjo in notranjo medsebojno povezanost, kompleksnost in čezmejne dejavnosti institucije ali skupine.
the sudden disruption of that function would likely have a material negative impact on the third parties, give rise to contagion or undermine the general confidence of market participants due to the systemic relevance of the function for the third parties and the systemic relevance of the institution or group in providing the function.
Merila za ocenjevanje učinka na tretje osebe vključujejo najmanj naslednje elemente:
When assessing the material negative impact on third parties, the systemic relevance of the function for third parties and the systemic relevance of the institution or group providing the function, the institution and the resolution authority shall take into account the size, market share, external and internal interconnectedness, complexity, and cross-border activities of the institution or group.
vrsto in doseg dejavnosti, globalni, nacionalni ali regionalni doseg, obseg in število transakcij; število strank in nasprotnih strank; število strank, za katere je institucija edini ali glavni bančni partner;
The assessment criteria for the impact on third parties shall include at least the following elements:
pomen institucije na lokalni, regionalni, nacionalni ali evropski ravni, kakor je primerno za zadevni trg.
the nature and reach of the activity, the global, national or regional reach, volume and number of transactions; the number of customers and counterparties; the number of customers for which the institution is the only or principal banking partner;
Pomen institucije se lahko oceni na podlagi tržnega deleža, medsebojne povezanosti, kompleksnosti in čezmejnih dejavnosti;
the relevance of the institution, on a local, regional, national or European level, as appropriate for the market concerned.
naravo strank in interesnih skupin, ki jih zadeva funkcija, kot so med drugim občani, podjetja, medbančne stranke, centralne klirinške hiše in javni subjekti;
The relevance of the institution may be assessed on the basis of the market share, the interconnectedness, the complexity and cross border activities;
morebitno motnjo funkcije na trgih, infrastrukturah, pri strankah in javnih službah.
the nature of the customers and stakeholders affected by the function, such as but not limited to retail customers, corporate customers, interbank customers, central clearing houses and public entities;
Ocena lahko zlasti vključuje učinek na likvidnost zadevnih trgov, učinek in obseg motnje za poslovanje strank in kratkoročne likvidnostne potrebe; zaznavnost za nasprotne stranke, stranke in javnost; zmožnost in hitrost odziva strank; pomembnost za delovanje drugih trgov; učinek na likvidnost, dejavnosti, strukturo drugega trga; učinek na druge nasprotne stranke, povezane z glavnimi strankami, in medsebojno povezavo funkcije z drugimi storitvami.
the potential disruption of the function on markets, infrastructures, customers and public services.
Funkcija, ki je bistvena za realno gospodarstvo in finančne trge, se šteje za nadomestljivo, kadar jo je mogoče nadomestiti na sprejemljiv način in v razumnem času, s čimer se je mogoče izogniti sistemskim težavam realnega gospodarstva in finančnih trgov.
In particular, the assessment may include the effect on the liquidity of markets concerned, the impact and extent of disruption to customer business, and short-term liquidity needs; the perceptibility to counterparties, customers and the public; the capacity and speed of customer reaction; the relevance to the functioning of other markets; the effect on the liquidity, operations, structure of another market; the effect on other counterparties related to the main customers and the interrelation of the function with other services.
Pri ocenjevanju nadomestljivosti funkcije se upoštevajo naslednja merila:
A function that is essential to the real economy and financial markets shall be considered substitutable where it can be replaced in an acceptable manner and within a reasonable time frame thereby avoiding systemic problems for the real economy and the financial markets.
struktura trga za zadevno funkcijo in razpoložljivost nadomestnih ponudnikov;
When assessing the substitutability of a function the following criteria shall be taken into account:
sposobnost drugih ponudnikov v smislu zmogljivosti, zahtev za izvajanje funkcije in mogočih ovir za vstop ali širitev;
the structure of the market for that function and the availability of substitute providers;
pobuda drugih ponudnikov, da prevzamejo te dejavnosti;
the ability of other providers in terms of capacity, the requirements for performing the function, and potential barriers to entry or expansion;
čas, ki ga uporabniki storitve potrebujejo za prestop k drugemu ponudniku storitev, in stroški prestopa, čas, ki ga potrebujejo drugi tekmeci, da prevzamejo funkcije, in razmislek, ali zadevni čas zadostuje za preprečitev bistvene motnje, odvisno od vrste storitve.
the incentive of other providers to take on these activities;
Storitev se šteje za kritično, kadar lahko njena motnja resno ovira izvajanje ene ali več kritičnih funkcij ali popolnoma prepreči njihovo izvajanje.
the time required by users of the service to move to the new service provider and costs of that move, the time required for other competitors to take over the functions and whether that time is sufficient to prevent significant disruption depending on the type of service.
Vendar se ne šteje za kritično, kadar jo lahko drug ponudnik opravi v razumnem času in primerljivem obsegu, kar zadeva njen cilj, kakovost in stroške.
A service is considered critical where its disruption can present a serious impediment to, or prevent the performance of, one or more critical functions.
Motnja funkcij ali storitev zajema funkcije in storitve, ki se ne zagotavljajo več v primerljivem obsegu, pod primerljivimi pogoji in s primerljivo kakovostjo, razen če se sprememba pri zagotavljanju funkcije ali storitve izvede organizirano.
A service is not considered critical where it can be provided by another provider within a reasonable time frame to a comparable extent as regards its object, quality and cost.
Člen 7
The disruption of functions or services shall consist in functions and services that are no longer provided to a comparable extent, under comparable conditions and of comparable quality, unless the change in providing the function or service concerned takes place in an orderly manner.
Merila v zvezi z določitvijo glavnih poslovnih področij
Article 7
Poslovna področja in z njimi povezane storitve, ki predstavljajo bistvene vire prihodka, dobička ali vrednosti franšize za institucijo ali skupino, katere del je institucija, se štejejo za glavna poslovna področja.
Criteria relating to the determination of core business lines
Glavna poslovna področja se opredelijo na podlagi notranje organizacije institucije, njene korporativne strategije in glede na njihov prispevek k finančnim rezultatom institucije.
Business lines and associated services which represent material sources of revenue, profit or franchise value for an institution or for a group of which an institution forms part shall be considered core business lines.
Kazalniki glavnih poslovnih področij med drugim vključujejo naslednje: