natgillin/translations-raw huggingface dataset:
In addition, Regulation (EU) 2017/2401 of the European Parliament and of the Council amends, with effect from 1 January 2019, Regulation (EU) No 575/2013 of the European Parliament and of the Council to provide for revised prudential requirements for credit institutions and investment firms originating, sponsoring or investing in securitisations, in particular revised capital requirements for investments in STS securitisation.
Uredba (EU) 2017/2401 Evropskega parlamenta in Sveta z veljavnostjo od 1. januarja 2019 tudi spreminja Uredbo (EU) št. 575/2013 Evropskega parlamenta in Sveta, da se določijo revidirane bonitetne zahteve za kreditne institucije in investicijska podjetja v vlogi originatorjev, sponzorjev ali vlagateljev v listinjenju in zlasti revidirane kapitalske zahteve za naložbe v listinjenje STS.
To the extent that the revised legislative framework for securitisation overlaps with the scope of provisions laid down in Commission Delegated Regulation (EU) 2015/35, it is necessary, in order to avoid double regulation and for reasons of clarity and consistency, to adapt the prudential framework applicable to insurance and reinsurance undertakings.
Če se revidirani zakonodajni okvir za listinjenje prekriva s področjem uporabe določb iz Delegirane uredbe Komisije (EU) 2015/35, je treba z namenom, da bi se izognili podvajanju predpisov, ter zaradi jasnosti in doslednosti prilagoditi bonitetni okvir, ki se uporablja za zavarovalnice in pozavarovalnice.
Regulation (EU) 2017/2402 sets out definitions of several concepts related to securitisation.
Uredba (EU) 2017/2402 vsebuje opredelitve nekaterih pojmov v zvezi z listinjenjem.
As that Regulation applies to insurance and reinsurance undertakings falling within the scope of Directive 2009/138/EC it is appropriate, for the purposes of defining concepts that are also defined in Regulation (EU) 2017/2402, to refer in Delegated Regulation (EU) 2015/35 to the relevant definitions laid down in Regulation (EU) 2017/2402.
Ker se navedena uredba uporablja za zavarovalnice in pozavarovalnice, ki spadajo na področje uporabe Direktive 2009/138/ES, je za namene opredelitve pojmov, ki so prav tako opredeljeni v Uredbi (EU) 2017/2402, primerno, da je v Delegirani uredbi (EU) 2015/35 navedeno sklicevanje na zadevne opredelitve pojmov v Uredbi (EU) 2017/2402.
For the same reasons, insofar as requirements related to risk retention and due diligence are set out in Regulation (EU) 2017/2402 for all institutional investors, such requirements should be deleted from Delegated Regulation (EU) 2015/35.
Iz istih razlogov bi bilo treba v primeru, če so zahteve glede zadržanja tveganja in skrbnega pregleda določene v Uredbi (EU) 2017/2402 za vse institucionalne vlagatelje, take zahteve črtati iz Delegirane uredbe (EU) 2015/35.
Regulation (EU) 2017/2402 sets qualifying criteria for STS securitisations in order to provide a harmonised definition of a higher quality securitisation product for Union capital markets.
Uredba (EU) 2017/2402 določa merila ustreznosti za listinjenja STS, da bi se zagotovila usklajena opredelitev kakovostnejšega produkta listinjenja za kapitalske trge v Uniji.
The ‘type 1 securitisation’ asset category in Delegated Regulation (EU) 2015/35 was created to achieve a similar objective for insurance and reinsurance undertakings, with comparable qualifying criteria.
Z Delegirano uredbo (EU) 2015/35 je bila uvedena kategorija sredstev „listinjenje tipa 1“, da bi se s primerljivimi merili ustreznosti dosegel podoben cilj za zavarovalnice in pozavarovalnice.
To ensure consistency and a level playing field on the securitisation market, the general provisions on the ‘type 1 securitisation’ asset category should be deleted from Delegated Regulation (EU) 2015/35 and reference should instead be made to the relevant provisions on STS securitisation laid down in Regulation (EU) 2017/2402.
Za zagotavljanje skladnosti in enakih konkurenčnih pogojev na trgu listinjenja bi bilo treba iz Delegirane uredbe (EU) 2015/35 črtati splošne določbe o kategoriji sredstev „listinjenja tipa 1“ in se namesto tega sklicevati na ustrezne določbe o listinjenju STS, določene v Uredbi (EU) 2017/2402.
In order to avoid those amendments leading to adverse effects, transitional measures should be provided for with respect to existing assets falling within the ‘type 1 securitisation’ category.
Da te spremembe ne bi privedle do neželenih učinkov, bi bilo treba določiti prehodne ukrepe glede obstoječih sredstev, ki spadajo v kategorijo „listinjenje tipa 1“.
The calibration of the Solvency Capital Requirement pursuant to Directive 2009/138/EU is risk-based and is intended to provide the right incentives across the different forms of securitisation investments.
Kalibracija zahtevanega solventnostnega kapitala v skladu z Direktivo 2009/138/EU temelji na tveganju in je namenjena zagotavljanju pravih spodbud za različne oblike naložb v listinjenja.
In order to achieve that objective, the level of the calibration and the risk sensitivity across tranches should be commensurate with the features of STS securitisation, and consistent with the prudential requirements developed for credit institutions and investment firms.
Za doseganje navedenega cilja bi morala biti raven kalibracije in občutljivost na tveganje po tranšah sorazmerna z značilnostmi listinjenja STS in skladna z bonitetnimi zahtevami za kreditne institucije in investicijska podjetja.
Therefore, the existing provisions of Delegated Regulation (EU) 2015/35 on calibration for ‘type 1 securitisation’ should be replaced by a more risk-sensitive calibration for STS securitisation covering all possible tranches that also meet additional requirements in order to minimise risks.
Zato bi bilo treba obstoječe določbe iz Delegirane uredbe (EU) 2015/35 o kalibraciji za „listinjenje tipa 1“ nadomestiti s kalibracijo za listinjenje STS, ki je bolj občutljiva na tveganje in bi zajemala vse možne tranše, ki izpolnjujejo tudi dodatne zahteve za zmanjšanje tveganj na čim nižjo raven.
The entry into application of the revised framework should not adversely affect the existing investments in securitisation, in particular for those institutional investors which have maintained some investments despite the financial crisis.
Datum začetka uporabe revidiranega okvira ne bi smel negativno vplivati na obstoječe naložbe v listinjenje, zlasti za tiste institucionalne vlagatelje, ki so kljub finančni krizi ohranili nekaj naložb.
Therefore, transitional measures should be laid down.
Zato bi bilo treba določiti prehodne ukrepe.
In light of the application dates of Regulation (EU) 2017/2402 and Regulation (EU) 2017/2401 as well as the transitional provisions contained in those pieces of legislation, it is important to ensure that this Regulation becomes applicable on the same date, on 1 January 2019.
Ob upoštevanju datumov začetka uporabe Uredbe (EU) 2017/2402 in Uredbe (EU) 2017/2401 ter prehodnih določb iz navedenih zakonodajnih aktov je pomembno zagotoviti, da se ta uredba začne uporabljati istega dne, tj. 1. januarja 2019.
Delegated Regulation (EU) 2015/35 should therefore be amended accordingly,
Delegirano uredbo (EU) 2015/35 bi bilo zato treba ustrezno spremeniti –
Amendments to Delegated Regulation (EU) 2015/35
Spremembe Delegirane uredbe (EU) 2015/35
Delegated Regulation (EU) 2015/35 is amended as follows:
Delegirana uredba (EU) 2015/35 se spremeni:
the following points 18a and 18b are inserted:
vstavita se naslednji točki 18a in 18b:
“securitisation” means a transaction or scheme as defined in Article 2(1) of Regulation (EU) 2017/2402;
‚listinjenje‘ pomeni posel ali shemo, kot je opredeljena v členu 2(1) Uredbe (EU) 2017/2402;
“STS securitisation” means a securitisation designated “simple, transparent and standardised” or “STS” in accordance with the requirements set out in Article 18 of Regulation (EU) 2017/2402;
‚listinjenje STS‘ pomeni listinjenje, ki je označeno kot „enostavno, pregledno in standardizirano“ ali „STS“ v skladu z zahtevami iz člena 18 Uredbe (EU) 2017/2402;
point 19 is replaced by the following:
točka 19 se nadomesti z naslednjim:
“securitisation position” means a securitisation position within the meaning of Article 2(19) of Regulation (EU) 2017/2402;’;
‚pozicija v listinjenju‘ pomeni pozicijo v listinjenju v smislu člena 2(19) Uredbe (EU) 2017/2402;“;
the following point 19a is inserted:
vstavi se naslednja točka 19a:
“senior securitisation position” means a senior securitisation position within the meaning of Article 242(6) of Regulation (EU) No 575/2013;
‚nadrejena pozicija v listinjenju‘ pomeni nadrejeno pozicijo v listinjenju v smislu člena 242(6) Uredbe (EU) št. 575/2013;
points 20 to 23 are replaced by the following:
točke 20 do 23 se nadomestijo z naslednjim:
“re-securitisation position” means an exposure to a re-securitisation within the meaning of Article 2(4) of Regulation (EU) 2017/2402;
‚pozicija v relistinjenju‘ pomeni izpostavljenost iz naslova relistinjenja v smislu člena 2(4) Uredbe (EU) 2017/2402;
“originator” means an originator within the meaning of Article 2(3) of Regulation (EU) 2017/2402;
‚originator‘ pomeni originatorja v smislu člena 2(3) Uredbe (EU) 2017/2402;
“sponsor” means a sponsor within the meaning of Article 2(5) of Regulation (EU) 2017/2402;
‚sponzor‘ pomeni sponzorja v smislu člena 2(5) Uredbe (EU) 2017/2402;
“tranche” means tranche within the meaning of Article 2(6) of Regulation (EU) 2017/2402;’;
‚tranša‘ pomeni tranšo v smislu člena 2(6) Uredbe (EU) 2017/2402;“;
in Article 4, paragraph 6 is replaced by the following:
v členu 4 se odstavek 6 nadomesti z naslednjim:
For the purposes of paragraph 5, the larger or more complex exposures of an undertaking shall include securitisation positions as referred to in Article 178(8) and (9) and re-securitisation positions.’;
Za namene odstavka 5 večje ali kompleksnejše izpostavljenosti podjetja vključujejo pozicije v listinjenju iz člena 178(8) in (9) ter pozicije v relistinjenju.“;
Article 177 is deleted;
člen 177 se črta;
Article 178 is replaced by the following:
člen 178 se nadomesti z naslednjim:
‘Article 178
„Člen 178
Spread risk on securitisation positions: calculation of the capital requirement
Tveganje razpona pri pozicijah v listinjenju: izračun kapitalske zahteve
The capital requirement SCRsecuritisation for spread risk on securitisation positions shall be equal to the loss in the basic own funds that would result from an instantaneous relative decrease of stressi in the value of each securitisation position i.
Kapitalska zahteva SCRsecuritisation za tveganje razpona pri pozicijah v listinjenju je enaka izgubi osnovnih lastnih sredstev, ki bi bila posledica takojšnjega relativnega zmanjšanja stressi v vrednosti vsake pozicije v listinjenju i.
The risk factor stressi shall depend on the modified duration denominated in years (duri). duri shall not be lower than 1 year.
Faktor tveganja stressi je odvisen od spremenjenega trajanja, izraženega v letih (duri). duri ni manjši od 1 leta.
Senior STS securitisation positions which fulfil the requirements set out in Article 243 of Regulation (EU) No 575/2013 and for which a credit assessment by a nominated ECAI is available shall be assigned a risk factor stressi depending on the credit quality step and the modified duration of the securitisation position i, as set out in the following table:
Nadrejenim pozicijam v listinjenju STS, ki izpolnjujejo zahteve iz člena 243 Uredbe (EU) št. 575/2013 in za katere je na voljo bonitetna ocena imenovane ECAI, se dodeli faktor tveganja stressi v odvisnosti od stopnje kreditne kvalitete in spremenjenega trajanja pozicije v listinjenju i, kot je določeno v naslednji tabeli:
5 and 6
5 in 6
More than 5 and up to 10
Več kot 5 in do vključno 10
ai + bi · (duri – 5)
ai + bi · (duri – 5)
ai + bi · (duri – 10)
ai + bi · (duri – 10)
More than 15 and up to 20
Več kot 15 in do vključno 20
ai + bi · (duri – 15) 11,0 %
ai + bi · (duri – 15)
More than 20
Več kot 20
Non-senior STS securitisation positions which fulfil the requirements set out in Article 243 of Regulation (EU) No 575/2013 and for which a credit assessment by a nominated ECAI is available shall be assigned a risk factor stressi depending on the credit quality step and the modified duration of the securitisation position i, as set out in the following table:
Nenadrejenim pozicijam v listinjenju STS, ki izpolnjujejo zahteve iz člena 243 Uredbe (EU) št. 575/2013 in za katere je na voljo bonitetna ocena imenovane ECAI, se dodeli faktor tveganja stressi v odvisnosti od stopnje kreditne kvalitete in spremenjenega trajanja pozicije v listinjenju i, kot je določeno v naslednji tabeli:
ai + bi · (duri – 10) 22,0 % 1,6 % 26,5 %
Več kot 10 in do vključno 15
ai + bi · (duri – 15)
ai + bi · (duri – 15)
Senior STS securitisation positions which fulfil the criteria set out in Article 243 of Regulation (EU) No 575/2013 and for which no credit assessment by a nominated ECAI is available shall be assigned a risk factor stressi depending on the modified duration of the securitisation position i, as set out in the following table:
Nadrejenim pozicijam v listinjenju STS, ki izpolnjujejo merila iz člena 243 Uredbe (EU) št. 575/2013 in za katere bonitetna ocena imenovane ECAI ni na voljo, se dodeli faktor tveganja stressi v odvisnosti od spremenjenega trajanja pozicije v listinjenju i, kot je določeno v naslednji tabeli:
More than 5 and up to 10
Več kot 5 in do vključno 10
More than 10 and up to 15
Več kot 10 in do vključno 15
More than 15 and up to 20
Več kot 15 in do vključno 20
More than 20
Več kot 20
Non-senior STS securitisation positions which fulfil the criteria set out in Article 243 of Regulation (EU) No 575/2013 and for which no credit assessment by a nominated ECAI is available shall be assigned a risk factor stressi equivalent to credit quality step 5 and depending on the modified duration of the exposure, as set out in the table in paragraph 3.
Nenadrejenim pozicijam v listinjenju STS, ki izpolnjujejo merila iz člena 243 Uredbe (EU) št. 575/2013 in za katere bonitetna ocena imenovane ECAI ni na voljo, se dodeli faktor tveganja stressi, ki je enak stopnji kreditne kvalitete 5 in je odvisen od spremenjenega trajanja izpostavljenosti, kot je določeno v tabeli v odstavku 3.
Re-securitisation positions for which a credit assessment by a nominated ECAI is available shall be assigned a risk factor stressi equal to the following formula:
Pozicijam v relistinjenju, za katere je na voljo bonitetna ocena imenovane ECAI, se dodeli faktor tveganja stressi, ki se izračuna po naslednji formuli:
where bi shall be assigned depending on the credit quality step of re-securitisation position i, as set out in the following table:
Pozicijam v listinjenju, ki niso zajete v odstavkih 3 do 7 in za katere je na voljo bonitetna ocena imenovane ECAI, se dodeli faktor tveganja stressi, ki se izračuna po naslednji formuli:
Securitisation positions not covered by paragraphs 3 to 7, for which a credit assessment by a nominated ECAI is available shall be assigned a risk factor stressi equal to the following formula:
pri čemer se bi določi glede na stopnjo kreditne kvalitete pozicije v listinjenju i, kot je določeno v naslednji tabeli:
where bi shall be assigned depending on the credit quality step of securitisation position i, as set out in the following table:
Pozicijam v listinjenju, ki niso zajete v odstavkih 3 do 8, se dodeli faktor tveganja stressi v višini 100 %.“;
Securitisation positions not covered by paragraphs 3 to 8, shall be assigned a risk factor stressi of 100 %.’;
vstavi se naslednji člen 178a:
the following Article 178a is inserted:
„Člen 178a
‘Article 178a
Tveganje razpona pri pozicijah v listinjenju: prehodne določbe
Spread risk on securitisation positions: transitional provisions
Ne glede na člen 178(3) se listinjenjem, ki se izdajo pred 1. januarjem 2019 in se v skladu s členom 177(2) v različici, veljavni 31. decembra 2018, štejejo za listinjenja tipa 1, v skladu s členom 178(3) dodeli faktor tveganja stressi, tudi če ta listinjenja niso listinjenja STS, ki izpolnjujejo zahteve iz člena 243 Uredbe (EU) št. 575/2013.
Notwithstanding Article 178(3), securitisations issued before 1 January 2019 that qualify as type 1 securitisations in accordance with Article 177(2) in the version in force on 31 December 2018 shall be assigned a risk factor stressi in accordance with Article 178(3) even where those securitisations are not STS securitisations which fulfil the requirements set out in Article 243 of Regulation (EU) No 575/2013.
Odstavek 1 se uporablja samo v okoliščinah, ko po 31. decembru 2018 ni bilo dodanih ali nadomeščenih nobenih novih osnovnih izpostavljenosti.
Paragraph 1 shall apply only in circumstances where no new underlying exposures were added or substituted after 31 December 2018.
Ne glede na člen 178(3) se listinjenjem, ki so bila izdana pred 18. januarjem 2015 in se v skladu s členom 177(4) v različici, veljavni 31. decembra 2018, štejejo za listinjenja tipa 1, v skladu s členoma 177 in 178 v različici, veljavni 31. decembra 2018, dodeli faktor tveganja stressi.
Notwithstanding Article 178(3), securitisations issued before 18 January 2015 that qualify as type 1 securitisations in accordance with Article 177(4) in the version in force on 31 December 2018 shall be assigned a risk factor stressi in accordance with Articles 177 and 178 in the version in force on 31 December 2018.
Ne glede na člen 178(3) se listinjenjem, ki se izdajo pred 1. januarjem 2019 in se v skladu s členom 177(5) v različici, veljavni 31. decembra 2018, štejejo za listinjenja tipa 1, v skladu s členoma 177 in 178 v različici, veljavni 31. decembra 2018, do 31. decembra 2025 dodeli faktor tveganja stressi.“
Notwithstanding Article 178(3), securitisations issued before 1 January 2019 that qualify as type 1 securitisations in accordance with Article 177(5) in the version in force on 31 December 2018 shall, until 31 December 2025, be assigned a risk factor stressi in accordance with Articles 177 and 178 in the version in force on 31 December 2018.’;
člen 180 se spremeni:
Article 180 is amended as follows:
odstavek 10 se nadomesti z naslednjim:
paragraph 10 is replaced by the following:
Pozicijam v listinjenju STS, ki izpolnjujejo merila iz člena 243 Uredbe (EU) št. 575/2013 in za katere v celoti, brezpogojno in nepreklicno jamči Evropski investicijski sklad ali Evropska investicijska banka, pri čemer jamstvo izpolnjuje zahteve iz člena 215, se dodeli faktor tveganja stressi v višini 0 %.“;
STS securitisation positions which fulfil the criteria set out in Article 243 of Regulation (EU) No 575/2013 and which are fully, unconditionally and irrevocably guaranteed by the European Investment Fund or the European Investment Bank, where the guarantee meets the requirements set out in Article 215, shall be assigned a risk factor stressi of 0 %.’;
vstavi se naslednji odstavek 10a:
the following paragraph 10a is inserted:
Ne glede na odstavek 10 se listinjenjem, ki se izdajo pred 1. januarjem 2019 in se v skladu z odstavkom 10 v različici, veljavni 31. decembra 2018, štejejo za listinjenja tipa 1, dodeli faktor tveganja stressi v višini 0 %, tudi če ta listinjenja niso listinjenja STS, ki izpolnjujejo zahteve iz člena 243 Uredbe (EU) št. 575/2013.“;
Notwithstanding paragraph 10, securitisations issued before 1 January 2019 that qualify as type 1 securitisations in accordance with paragraph 10 in the version in force on 31 December 2018 shall be assigned a risk factor stressi of 0 % even where those securitisations are not STS securitisations which fulfil the requirements set out in Article 243 of Regulation (EU) No 575/2013.’;
členi 254, 255 in 256 se črtajo;
Articles 254, 255 and 256 are deleted;
člen 257 se spremeni:
Article 257 is amended as follows:
odstavka 1 in 2 se nadomestita z naslednjim:
paragraphs 1 and 2 are replaced by the following:
Če zavarovalnice in pozavarovalnice ugotovijo, da originator, sponzor ali prvotni posojilodajalec ne izpolnjuje zahtev iz člena 6 Uredbe (EU) 2017/2402 ali da niso izpolnjene zahteve iz člena 5(1), (2) in (3) navedene uredbe, o tem takoj obvestijo nadzorni organ.
Where insurance and reinsurance undertakings become aware that the originator, sponsor or original lender fails to comply with the requirements set out in Article 6 of Regulation (EU) 2017/2402, or insurance or reinsurance undertakings become aware that the requirements set out in Article 5(1), (2) and (3) of that Regulation are not being complied with, they shall inform the supervisory authority immediately.
Če zahteve iz člena 5(1), (2) in (3) Uredbe (EU) 2017/2402 na kakršen koli način niso izpolnjene zaradi malomarnosti ali opustitve zavarovalnice ali pozavarovalnice, nadzorni organ določi sorazmerno povečanje zahtevanega solventnostnega kapitala v skladu z odstavkom 3 tega člena.“;
Where the requirements in Article 5(1), (2) and (3) of Regulation (EU) 2017/2402 are not fulfilled in any respect by reason of the negligence or omission of the insurance or reinsurance undertaking, the supervisory authority shall impose a proportionate increase to the Solvency Capital Requirement in accordance with paragraph 3 of this Article.’;
odstavka 4 in 5 se nadomestita z naslednjim:
paragraphs 4 and 5 are replaced by the following:
Faktorji tveganja se postopno povečujejo z vsako nadaljnjo kršitvijo zahtev iz člena 5 Uredbe (EU) 2017/2402.
The risk factors shall be progressively increased with each subsequent breach of the requirements set out in Article 5 of Regulation (EU) 2017/2402.
Če zavarovalnice in pozavarovalnice ne izpolnjujejo katere koli zahteve iz člena 5(4) Uredbe (EU) 2017/2402 zaradi malomarnosti ali opustitve, nadzorni organi ocenijo, ali je treba navedeno neupoštevanje obravnavati kot znatno odstopanje od sistema upravljanja podjetja iz člena 37(1)(c) Direktive 2009/138/ES.“.
Where insurance and reinsurance undertakings fail to comply with any requirement set out in Article 5(4) of Regulation (EU) 2017/2402, by reason of their negligence or omission, the supervisory authorities shall assess whether that failure should be considered a significant deviation from the undertaking's system of governance as referred to in Article 37(1)(c) of Directive 2009/138/EC.’.
Člen 2
Article 2
Začetek veljavnosti in uporaba
This Regulation shall enter into force on the twentieth day following that of its publication in the Official Journal of the European Union.
Uporablja se od 1. januarja 2019
It shall apply from 1 January 2019.
Ta uredba je v celoti zavezujoča in se neposredno uporablja v vseh državah članicah.
This Regulation shall be binding in its entirety and directly applicable in all Member States.
V Bruslju, 1. junija 2018
Done at Brussels, 1 June 2018.
Za Komisijo
The President
UL L 335, 17.12.2009, str. 1.
OJ L 335, 17.12.2009, p. 1.
Uredba (EU) 2017/2402 Evropskega parlamenta in Sveta z dne 12. decembra 2017 o določitvi splošnega okvira za listinjenje in o vzpostavitvi posebnega okvira za enostavno, pregledno in standardizirano listinjenje ter o spremembah direktiv 2009/65/ES, 2009/138/ES in 2011/61/EU ter uredb (ES) št. 1060/2009 in (EU) št. 648/2012 (UL L 347, 28.12.2017, str. 35).
Regulation (EU) 2017/2402 of the European Parliament and of the Council of 12 December 2017 laying down a general framework for securitisation and creating a specific framework for simple, transparent and standardised securitisation, and amending Directives 2009/65/EC, 2009/138/EC and 2011/61/EU and Regulations (EC) No 1060/2009 and (EU) No 648/2012 (OJ L 347, 28.12.2017, p. 35).
Uredba (EU) 2017/2401 Evropskega parlamenta in Sveta z dne 12. decembra 2017 o spremembi Uredbe (EU) št. 575/2013 o bonitetnih zahtevah za kreditne institucije in investicijska podjetja (UL L 347, 28.12.2017, str. 1).
Regulation (EU) 2017/2401 of the European Parliament and of the Council of 12 December 2017 amending Regulation (EU) No 575/2013 on prudential requirements for credit institutions and investment firms (OJ L 347, 28.12.2017, p. 1).
Uredba (EU) št. 575/2013 Evropskega parlamenta in Sveta z dne 26. junija 2013 o bonitetnih zahtevah za kreditne institucije in investicijska podjetja ter o spremembi Uredbe (EU) št. 648/2012 (UL L 176, 27.6.2013, str. 1).