natgillin/translations-raw huggingface dataset:
Where a credit institution belongs to an institutional protection scheme of the type referred to in Article 113(7) of Regulation (EU) No 575/2013, to a network that would be eligible for the waiver provided for in Article 10 of that Regulation or to a cooperative network in a Member State, the sight deposits that the credit institution maintains with the central institution may be treated as liquid assets unless the central institution receiving the deposits treats them as operational deposits.
Če kreditna institucija spada v institucionalno shemo za zaščito vlog vrste, omenjene v členu 113(7) Uredbe (EU) št. 575/2013, mrežo, ki bi bila upravičena do opustitve uporabe iz člena 10 navedene uredbe, ali zadružno mrežo v državi članici, se lahko vpogledne vloge, ki jih ima kreditna institucija pri centralni instituciji, obravnavajo kot likvidna sredstva, razen če centralna institucija, ki prejme vloge, te obravnava kot vloge za operativne namene.
Where the deposits are treated as liquid assets, they shall be treated in accordance with one of the following provisions:
Če se vloge obravnavajo kot likvidna sredstva, se obravnavajo v skladu z eno od naslednjih določb:
where, in accordance with the national law or the legally binding documents governing the scheme or network, the central institution is obliged to hold or invest the deposits in liquid assets of a specified level or category, the deposits shall be treated as liquid assets of that same level or category in accordance with this Regulation;
če mora v skladu z nacionalno zakonodajo ali pravno zavezujočimi dokumenti, ki urejajo shemo ali mrežo, centralna institucija imeti ali vlagati vloge v likvidna sredstva določene ravni ali kategorije, se vloge obravnavajo kot likvidna sredstva iste stopnje ali kategorije v skladu s to uredbo;
where the central institution is not obliged to hold or invest the deposits in liquid assets of a specified level or category, the deposits shall be treated as level 2B assets in accordance with this Regulation and their outstanding amount shall be subject to a minimum haircut of 25 %.
če kreditni instituciji ni treba imeti ali vlagati vlog v likvidna sredstva določene stopnje ali kategorije, se vloge obravnavajo kot sredstva stopnje 2B v skladu s to uredbo, za njihov neporavnani znesek pa se uporablja najmanjši odbitek v višini 25 %.
Where, under the law of a Member State or the legally binding documents governing one of the networks or schemes described in paragraph 1, the credit institution has access within 30 calendar days to undrawn liquidity funding from the central institution or from another institution within the same network or scheme, such funding shall be treated as a level 2B asset to the extent that it is not collateralised by liquid assets and that it is not being dealt with in accordance with the provisions of Article 34.
Če ima v skladu z zakonodajo države članice ali pravno zavezujočimi dokumenti, ki urejajo eno od mrež ali shem, opisanih v odstavku 1, kreditna institucija dostop do nečrpanega likvidnostnega financiranja centralne institucije ali druge institucije v isti mreži ali shemi v roku 30 koledarskih dni, se tako financiranje obravnava kot sredstvo stopnje 2B, v obsegu, v katerem ni zavarovano z likvidnimi sredstvi in v katerem se ne obravnava v skladu z določbami člena 34.
A minimum haircut of 25 % shall be applied to the undrawn committed principal amount of the liquidity funding.’;
Za nečrpani odobreni glavni znesek likvidnostnega financiranja se uporablja najmanjši odbitek v višini 25 %.“;
Article 17 is amended as follows:
člen 17 se spremeni:
The requirements set out in paragraph 1 shall be applied after adjusting for the impact on the stock of liquid assets of secured funding, secured lending or collateral swap transactions using liquid assets on at least one leg of the transaction where the transactions mature within 30 calendar days, after deducting any applicable haircuts and provided that the credit institution complies with the operational requirements laid down in Article 8.’;
Zahteve iz odstavka 1 se uporabljajo po prilagoditvi za učinek, ki ga imajo na likvidna sredstva posli zavarovanega financiranja, zavarovani kreditni posli ali posli zamenjave zavarovanja z uporabo likvidnih sredstev na vsaj eni strani posla, če ti posli zapadejo v 30 koledarskih dneh, potem ko se odštejejo vsi veljavni odbitki, in če kreditna institucija izpolnjuje operativne zahteve iz člena 8.“;
the following paragraph 4 is added:
doda se naslednji odstavek 4:
The competent authority may, on a case-by-case basis, waive the application of paragraphs 2 and 3 in full or in part with respect to one or more secured funding, secured lending or collateral swap transactions using liquid assets on at least one leg of the transaction and maturing within 30 calendar days, provided that all of the following conditions are met:
Pristojni organ lahko v posameznih primerih opusti uporabo odstavkov 2 in 3, deloma ali v celoti, v zvezi z enim ali več zavarovanimi posli financiranja, zavarovanimi kreditnimi posli ali posli zamenjave zavarovanja, pri katerih se uporabljajo likvidna sredstva na vsaj eni strani posla in ki zapadejo v 30 koledarskih dneh, če so izpolnjeni vsi naslednji pogoji:
the counterparty to the transaction or transactions is the ECB or the central bank of a Member State;
nasprotna stranka v poslu ali poslih je ECB ali centralna banka države članice;
exceptional circumstances exist which pose a systemic risk affecting the banking sector of one or more Member States;
obstajajo izjemne okoliščine, ki pomenijo sistemsko tveganje za bančni sektor ene ali več držav članic;
the competent authority has consulted with the central bank that is the counterparty to the transaction or transactions, and also with the ECB where that central bank is an Eurosystem central bank, before granting the waiver.’;
pristojni organ se pred odobritvijo opustitve posvetuje s centralno banko, ki je nasprotna stranka v poslu ali poslih, in tudi z ECB, če je zadevna centralna banka centralna banka Eurosistema.“;
the following paragraph 5 is added:
doda se naslednji odstavek 5:
EBA shall, by 19 November 2020, report to the Commission on the technical suitability of the unwind mechanism set out in paragraphs 2 to 4 and on whether it is likely to have a detrimental impact on the business and risk profile of credit institutions established in the Union, on the stability and orderly functioning of financial markets, on the economy or on the transmission of monetary policy to the economy.
EBA do 19. novembra 2020 Komisiji poroča o tehnični primernosti mehanizma poravnave iz odstavkov 2 do 4 in o tem, ali bo verjetno imel škodljive učinke na poslovanje in profil tveganja kreditnih institucij s sedežem v Uniji, na stabilnost in pravilno delovanje finančnih trgov, na gospodarstvo ali na prenos denarne politike v gospodarstvo.
This report shall assess the opportunity to change the unwind mechanism set out in paragraphs 2 to 4 and, where EBA finds either that the current unwind mechanism is technically not suitable or that it has a detrimental impact, it should recommend alternative solutions and evaluate their impact.
V tem poročilu se oceni možnost spremembe mehanizma za poravnavo iz odstavkov 2 do 4 in, če EBA ugotovi, da sedanji mehanizem poravnave ni tehnično ustrezen ali ima škodljive učinke, bi se morale v njem priporočiti alternativne rešitve in oceniti njihov učinek.
The Commission shall take into account the EBA report referred to in the preceding subparagraph when preparing any further delegated act pursuant to the empowerment in Article 460 of Regulation (EU) No 575/2013.’;
Komisija pri pripravi morebitnih nadaljnjih delegiranih aktov na podlagi pooblastila iz člena 460 Uredbe (EU) št. 575/2013 upošteva poročilo EBA iz prejšnjega pododstavka.“;
Article 21 is replaced by the following:
člen 21 se nadomesti z naslednjim:
‘Article 21
„Člen 21
Netting of derivatives transactions
Pobot poslov z izvedenimi finančnimi instrumenti
Credit institutions shall calculate liquidity outflows and inflows expected over a 30 calendar day period, for the contracts listed in Annex II to Regulation (EU) No 575/2013 and for credit derivatives, on a net basis by counterparty subject to the existence of bilateral netting agreements meeting the conditions laid down in Article 295 of that Regulation.
Kreditne institucije izračunajo likvidnostne odlive in prilive, ki se pričakujejo v obdobju, ki traja 30 koledarskih dni, za pogodbe iz Priloge II k Uredbi (EU) št. 575/2013 in kreditne izvedene finančne instrumente na neto osnovi po posameznih nasprotnih strankah, če obstajajo dvostranske pogodbe o pobotu, ki izpolnjujejo pogoje iz člena 295 navedene uredbe.
By way of derogation from paragraph 1, credit institutions shall calculate cash outflows and inflows arising from foreign currency derivative transactions that involve a full exchange of principal amounts on a simultaneous basis (or within the same day) on a net basis, even where those transactions are not covered by a bilateral netting agreement.
Z odstopanjem od odstavka 1 kreditne institucije denarne odlive in prilive, ki izhajajo iz poslov z izvedenimi finančnimi instrumenti v tuji valuti in vključujejo popolno izmenjavo zneskov glavnice, ki se izvede hkrati (ali isti dan), izračunajo na neto osnovi, tudi če navedeni posli niso zajeti v dvostranski pogodbi o pobotu.
For the purposes of this Article, net basis shall be considered to be net of collateral to be posted or received in the next 30 calendar days.
Za namene tega člena se šteje, da neto osnova ne vključuje zavarovanja s premoženjem, ki se da ali prejme v naslednjih 30 koledarskih dneh.
However, in the case of collateral to be received in the next 30 calendar days, net basis shall be considered to be net of that collateral only if both of the following conditions are met:
Vendar pa se v primeru zavarovanja s premoženjem, ki naj bi se prejelo v naslednjih 30 koledarskih dneh, šteje, da neto osnova ne vključuje zadevnega zavarovanja le, če sta izpolnjena oba naslednja pogoja:
the collateral, when received, will qualify as a liquid asset under Title II of this Regulation;
zavarovanje se bo po prejetju štelo za likvidno sredstvo iz naslova II te uredbe;
the credit institution will be legally entitled and operationally able to reuse the collateral, when received.’;
kreditna institucija bo pravno upravičena in operativno sposobna ponovno uporabiti zavarovanje s premoženjem, ko ga bo prejela.“;
Article 22 is amended as follows:
člen 22 se spremeni:
in paragraph 2, points (a) and (b) are replaced by the following:
v odstavku 2 se točki (a) in (b) nadomestita z naslednjim:
the current outstanding amount for stable retail deposits and other retail deposits determined in accordance with Articles 24 and 25;
trenutni neporavnani znesek za stabilne vloge na drobno in druge vloge na drobno, določen v skladu s členoma 24 in 25;
the current outstanding amounts of other liabilities that become due, can be called for pay-out by the issuer or by the provider of the funding or entail an expectation by the provider of the funding that the credit institution would repay the liability during the next 30 calendar days determined in accordance with Articles 27, 28 and 31a;’;
trenutne neporavnane zneske drugih obveznosti, ki zapadejo, za katere lahko izdajatelj ali ponudnik financiranja zahteva izplačilo ali ki vsebujejo pričakovanje ponudnika, da bo kreditna institucija obveznost poplačala v naslednjih 30 koledarskih dneh, kot je določeno v skladu s členi 27, 28 in 31a;“;
the following paragraph 3 is added:
doda se naslednji odstavek 3:
The calculation of liquidity outflows in accordance with paragraph 1 shall be subject to any netting of interdependent inflows that is approved under Article 26.’;
Pri izračunu likvidnostnih odlivov v skladu z odstavkom 1 se upošteva morebiten pobot soodvisnih prilivov, odobren v skladu s členom 26.“;
in Article 23, paragraph 1 is replaced by the following:
v členu 23 se odstavek 1 nadomesti z naslednjim:
Credit institutions shall regularly assess the likelihood and potential volume of liquidity outflows during 30 calendar days for products or services which are not referred to in Articles 27 to 31a and which they offer or sponsor or which potential purchasers would consider associated with them.
Kreditne institucije redno ocenjujejo verjetnost in potencialen obseg likvidnostnih odlivov v 30 koledarskih dneh za produkte ali storitve, ki niso omenjeni v členih 27 do 31a in ki jih te kreditne institucijo ponujajo ali financirajo ali v zvezi s katerimi bi morebitni kupci menili, da so povezani s temi kreditnimi institucijami.
Those products or services shall include, but not be limited to:
Ti produkti ali storitve med drugim vključujejo:
other off-balance-sheet and contingent funding obligations, including uncommitted funding facilities;
druge zunajbilančne obveznosti in pogojne obveznosti financiranja, vključno z neodobrenimi kreditnimi aranžmaji;
undrawn loans and advances to wholesale counterparties;
nečrpane kredite in kratkoročne kredite velikim institucionalnim nasprotnim strankam;
mortgage loans that have been agreed but not yet drawn down;
hipotekarne kredite, ki so bili dogovorjeni, a še niso bili črpani;
overdrafts;
prekoračitve;
planned outflows related to the renewal of existing retail or wholesale loans or the extension of new retail or wholesale loans;
načrtovane odlive, povezane z obnovitvijo obstoječih kreditov na drobno ali kreditov velikim institucionalnim strankam ali podaljšanjem novih kreditov na drobno ali kreditov velikim institucionalnim strankam;
derivative payables, other than the contracts listed in Annex II to Regulation (EU) No 575/2013 and credit derivatives;
obveznosti iz naslova izvedenih finančnih instrumentov, razen pogodb iz Priloge II k Uredbi (EU) št. 575/2013 in kreditnih izvedenih finančnih instrumentov;
trade finance off-balance-sheet related products.’;
zunajbilančne produkte, povezane s trgovinskim financiranjem.“;
in Article 25(2), point (b) is replaced by the following:
v členu 25(2) se točka (b) nadomesti z naslednjim:
the deposit is an internet access-only account;’;
vloga je vložena pri kreditni instituciji z zgolj spletnim poslovanjem;“;
at the end of Article 26, the following paragraph is added:
na koncu člena 26 se doda naslednji odstavek:
‘Competent authorities shall inform the EBA which institutions benefit from the netting of outflows with interdependent inflows under this article.
„Pristojni organi obvestijo EBA, katere institucije imajo koristi od pobota odlivov s soodvisnimi prilivi iz tega člena.
The EBA may request supporting documentation.’;
EBA lahko zahteva podporno dokumentacijo.“;
paragraphs 3 and 4 are replaced by the following:
odstavka 3 in 4 se nadomestita z naslednjim:
Credit institutions shall multiply liabilities maturing within 30 calendar days and resulting from secured lending or capital market-driven transactions, as defined in points (2) and (3) respectively of Article 192 of Regulation (EU) No 575/2013, by:
Kreditne institucije pomnožijo obveznosti, ki zapadejo v 30 koledarskih dneh in izhajajo iz zavarovanih kreditnih poslov ali poslov z instrumenti kapitalskega trga, kot so opredeljeni v točki (2) oziroma (3) člena 192 Uredbe (EU) št. 575/2013, z:
0 % where they are collateralised by assets that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 10 of this Regulation as liquid assets of any of the categories of level 1 asset referred to in Article 10, with the exception of extremely high quality covered bonds referred to in point (f) of Article 10(1);
0 %, če so zavarovane s sredstvi, ki bi se, če ne bi bila uporabljena kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 10 te uredbe štela za likvidna sredstva katere koli kategorije sredstev stopnje 1 iz člena 10, pri čemer so izvzete izjemno visokokakovostne krite obveznice iz točke (f) člena 10(1);
7 % where they are collateralised by assets that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 10 of this Regulation as liquid assets of the category referred to in point (f) of Article 10(1);
7 %, če so zavarovane s sredstvi, ki bi se, če ne bi bila uporabljena kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 10 te uredbe štela za likvidna sredstva kategorije iz točke (f) člena 10(1);
15 % where they are collateralised by assets that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 11 of this Regulation as liquid assets of any of the categories of level 2A asset referred to in Article 11;
15 %, če so zavarovane s sredstvi, ki bi se, če ne bi bila uporabljena kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 11 te uredbe štela za likvidna sredstva katere koli kategorije sredstev stopnje 2A iz člena 11;
25 % where they are collateralised by assets that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 13 of this Regulation as liquid assets of any of the categories of level 2B asset referred to in point (i), (ii) or (iv) of point (g) of Article 13(2);
25 %, če so zavarovane s sredstvi, ki bi se, če ne bi bila uporabljena kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 13 te uredbe štela za likvidna sredstva katere koli kategorije sredstev stopnje 2B iz točke (i), (ii) ali (iv) točke (g) člena 13(2);
30 % where they are collateralised by assets that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 12 of this Regulation as liquid assets of the category of level 2B asset referred to in point (e) of Article 12(1);
30 %, če so zavarovane s sredstvi, ki bi se, če ne bi bila uporabljena kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 12 te uredbe štela za likvidna sredstva kategorije sredstev stopnje 2B iz točke (e) člena 12(1);
35 % where they are collateralised by assets that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 13 of this Regulation as liquid assets of any of the categories of level 2B asset referred to in point (iii) or (v) of point (g) of Article 13(2);
35 %, če so zavarovane s sredstvi, ki bi se, če ne bi bila uporabljena kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 13 te uredbe štela za likvidna sredstva katere koli kategorije sredstev stopnje 2B iz točke (iii) ali (v) točke (g) člena 13(2);
50 % where they are collateralised by assets that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 12 of this Regulation as liquid assets of any of the categories of level 2B asset referred to in point (b), (c) or (f) of Article 12(1);
50 %, če so zavarovane s sredstvi, ki bi se, če ne bi bila uporabljena kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 12 te uredbe štela za likvidna sredstva katere koli kategorije sredstev stopnje 2B iz točke (b), (c) ali (f) člena 12(1);
the percentage minimum haircut determined in accordance with paragraphs (2) and (3) of Article 15 of this Regulation where they are collateralised by shares or units in CIUs that, but for being used as collateral for those transactions, would qualify in accordance with Articles 7 and 15 as liquid assets of the same level as the underlying liquid assets;
odstotek najmanjšega odbitka, določenega v skladu z odstavkoma (2) in (3) člena 15 te uredbe, če so zavarovane z delnicami ali enotami v KNP, ki bi se, če ne bi bile uporabljene kot zavarovanje s premoženjem za te posle, v skladu s členoma 7 in 15 te uredbe štele za likvidna sredstva iste stopnje kot likvidna sredstva, namenjena kritju;
100 % where they are collateralised by assets that do not fall within any of points (a) to (h) of this subparagraph.
100 %, če so zavarovane s sredstvi, ki ne spadajo pod nobeno od točk od (a) do (h) tega pododstavka.
By way of derogation from the first subparagraph, where the counterparty to the secured lending or capital market-driven transaction is the domestic central bank of the credit institution, the outflow rate shall be 0 %.
Z odstopanjem od prvega pododstavka je stopnja odliva 0 %, če je nasprotna stranka v zavarovanem kreditnem poslu ali poslu z instrumenti kapitalskega trga domača centralna banka kreditne institucije.
However, in cases where the transaction is done through a branch with the central bank of the Member State or of the third country in which the branch is located, a 0 % outflow rate shall be applied only if the branch has the same access to central bank liquidity, including during stress periods, as credit institutions incorporated in that Member State or third country have.
Vendar se v primerih, ko se posel izvede prek podružnice pri centralni banki države članice ali tretje države, v kateri je podružnica, stopnja odliva v višini 0 % uporablja le, če ima podružnica enak dostop do likvidnosti centralne banke, tudi v stresnih obdobjih, kot ga imajo kreditne institucije, registrirane v zadevni državi članici ali tretji državi.
By way of derogation from the first subparagraph, for secured lending or capital market-driven transactions that would require an outflow rate under that first subparagraph higher than 25 %, the outflow rate shall be 25 % where the counterparty to the transaction is an eligible counterparty.
Z odstopanjem od prvega pododstavka je za zavarovane kreditne posle ali posle z instrumenti kapitalskega trga, ki bi zahtevali stopnjo odliva iz prvega pododstavka, višjo od 25 %, stopnja odliva 25 %, če je nasprotna stranka v poslu primerna nasprotna stranka.
Collateral swaps, and other transactions with a similar form, that mature within the next 30 calendar days shall lead to an outflow where the asset borrowed is subject to a lower haircut under Chapter 2 than the asset lent.
Zamenjave zavarovanja in drugi podobni posli, ki zapadejo v naslednjih 30 koledarskih dneh, povzročijo odliv, če se za izposojeno sredstvo uporablja nižji odbitek v skladu s poglavjem 2 kot za posojeno sredstvo.
The outflow shall be calculated by multiplying the market value of the asset borrowed by the difference between the outflow rate applicable to the asset lent and the outflow rate applicable to the asset borrowed determined in accordance with the rates specified in paragraph 3.
Odliv se izračuna tako, da se tržna vrednost izposojenega sredstva pomnoži z razliko med stopnjo odliva, ki se uporablja za posojeno sredstvo, in stopnjo odliva, ki se uporablja za izposojeno sredstvo, ki se določi v skladu s stopnjami iz odstavka 3.
For the purposes of this calculation, a 100 % haircut shall be applied to assets that do not qualify as liquid assets.
Za namene tega izračuna se za sredstva, ki se ne štejejo za likvidna sredstva, uporablja odbitek v višini 100 %.
By way of derogation from the first subparagraph, where the counterparty to the collateral swap or other transaction with a similar form is the domestic central bank of the credit institution, the outflow rate to be applied to the market value of the asset borrowed shall be 0 %.
Z odstopanjem od prvega pododstavka je stopnja odliva 0 %, če je nasprotna stranka v zamenjavi zavarovanja ali drugem podobnem poslu domača centralna banka kreditne institucije.
By way of derogation from the first subparagraph, for collateral swaps or other transactions with a similar form that would require an outflow rate higher than 25 % under that first subparagraph, the outflow rate to be applied to the market value of the asset borrowed shall be 25 % where the counterparty is an eligible counterparty.’;
Z odstopanjem od prvega pododstavka se za zamenjave zavarovanja ali druge podobne posle, za katere bi bila v skladu s tem prvim pododstavkom potrebna stopnja odliva, višja od 25 %, za tržno vrednost izposojenega sredstva uporabi stopnja odliva 25 %, če je nasprotna stranka primerna nasprotna stranka.“;
the following paragraphs 7, 8 and 9 are added:
dodajo se naslednji odstavki 7, 8 in 9: