natgillin/translations-raw huggingface dataset:
Link between a resident branch and its non-resident headquarter
( ++) vključno z nerezidenčnimi podružnicami (če pride v poštev).
Link between a sub-fund and an umbrella fund
kjer to pride v poštev.
Link between an entity and its ultimate parent
Upoštevajte, da se lahko seznam institucij, pomembnih za statistiko plačil, prekriva s seznamom MFI.
( +) excluding non-resident branches (or headquarters).
To je treba poročati vsaj za eno spremenljivko, odvisno od sistema za zbiranje podatkov.
( ++) including non-resident branches (if applicable).
samo za bančne skupine s sedežem v euroobmočju in nasprotne stranke, predvidene v Uredbi (EU) 2016/867 (ECB/2016/13); sicer neobvezno.
as applicable.
najmanj četrtletno, odvisno od sektorja.
Please note that the list of payment statistics relevant institutions (PSRIs) may overlap with the list of MFIs.
samo za subjekte, pomembne za zbirko podatkov AnaCredit.
This should be reported at least for one of the variables depending on the data collection system.
razen subjektov, ki se upravljajo sami.
only for ‘banking groups’ with headquarters in the euro area and for counterparties contemplated by Regulation (EU) 2016/867 (ECB/2016/13); otherwise optional.
PRILOGA II
at least quarterly, depending on the sector.
REGISTER PODATKOV O INSTITUCIJAH IN POVEZANIH DRUŽBAH (RIAD) – SEZNAMI, KI NISO ZA OBJAVO
only for AnaCredit relevant entities.
Atributi, ki se poročajo za nize podatkov v skladu z njihovim pravnim okvirom, navedenim v poglavju VII te smernice
except self-managed entities.
Statistika postavk bilance stanja posameznih MFI in obrestnih mer posameznih MFI (iBSI-iMIR)
ANNEX II
Uredba (EU) št. 1333/2014 (ECB/2014/48)
REGISTER OF INSTITUTIONS AND AFFILIATES DATA (RIAD) - LISTS NOT FOR PUBLICATION
Subjekti, pomembni za upravljanje zavarovanja
Attributes to be reported for datasets according to their respective legal framework referred to in Chapter VII of this Guideline
Zakladniški sistem (Treasury Management System)
Individual BSI and MIR statistics (iBSI-iMIR)
Baza podatkov statistike imetij vrednostnih papirjev (SHSDB)
Regulation (EU) No 1333/2014 (ECB/2014/48)
Centralizirana baza vrednostnih papirjev (CSDB)
Entities relevant for Collateral Management
Skupna zbirka podrobnih analitičnih podatkov o kreditih (AnaCredit)
Treasury Management System (TMS)
Identifikacijske oznake subjektov (Entity Identifiers)
Security Holding Statistics Database (SHSDB)
Nacionalne identifikacijske oznake (National identifiers)
Centralised Securities Database (CSDB)
Druge identifikacijske oznake (Other Identifiers)
Common Granular Analytical Credit database (AnaCredit)
Identifikacijske oznake instrumentov (Instrument Identifiers)
Entity Identifiers
Skupina zavarovanja (Collateral group)
National identifiers
Oznaka CNS (Flag CCP)
Other Identifiers
Računovodski okvir (Accounting Framework)
Instrument Identifiers
Velikost podjetja (Enterprise size)
Collateral group
Letni promet (Annual turnover)
Flag CCP
Status pravnih postopkov (Status of legal proceedings)
Accounting Framework
Razmerje lastništva (Ownership relation)
Enterprise size
Razmerje podružnice (Branch relation)
Annual turnover
Povezava (Link)
Status of legal proceedings
s sedežem (to headquarter)
Ownership relation
z neposredno obvladujočo nadrejeno osebo (to direct controlling parent)
Branch relation
s končno obvladujočo nadrejeno osebo (to ultimate controlling parent)
Link
z družbo za upravljanje (to management company)
to headquarter
Seznam obveznih atributov za ustrezne vloge nasprotnih strank v SHSDB je določen v ustreznih pravnih aktih.
to direct controlling parent
Seznam obveznih atributov za posamezno nasprotno stranko AnaCredit je odvisen od njene vloge (posojilojemalec, garant itd.), rezidenčnosti (v poročevalski državi članici/zunaj nje) in datuma, ko je bilo posojilo odobreno, kakor je določeno v ustreznih pravnih aktih.
to ultimate controlling parent
Oznaka LEI ali, če ni na voljo, nacionalne identifikacijske oznake se morajo zagotoviti kot obvezni atributi.
to management company
ECB pri ravnanju s predloženimi informacijami skrbno varuje zaupnost, tako da ne objavi podatkov, ki imajo oznako „C“ ali „N“.
The list of mandatory attributes for the relevant SHSDB counterparty roles is specified in the respective legal acts.
V zvezi s kvantitativnimi podatki z oznako „C“ ali „N“ pa ECB lahko objavi ali distribuira vrsto velikostnih razredov.
The list of mandatory attributes for a specific AnaCredit counterparty depends on its role (borrower, guarantor, etc.), residency (within/outside reporting Member State), and on the date the loan was granted as specified in the respective legal acts.
institucij, pomembnih za statistiko plačil
RIAD shall facilitate the integration of the CSDB, the SHSDB and (as of when the obligation of reporting agents to report data under Regulation (EU) 2016/867 (ECB/2016/13) becomes applicable) AnaCredit, as well as of the datasets on monetary financial institutions, investment funds, financial vehicle corporations engaged in securitisation transactions, payment statistics relevant institutions and insurance corporations, provided pursuant to the respective ECB legal acts on the statistical reporting requirements of these entities.
Koda ISIN (ISIN)
The RIAD will thereby enable the ESCB to derive, inter alia, consolidated banking exposures and borrowers' indebtedness on a consolidated basis.
Razmerja (Relationships)
In respect of quantitative measures marked as ‘C’ or ‘N’, the ECB may, however, publish or distribute a range of size classes.
DPFS
To enable the establishment and maintenance of the list of PSRIs referred to in Article 5(2) of Regulation (EU) No 1409/2013 of the European Central Bank (ECB/2013/43), NCBs shall record in RIAD the attributes specified in Part 1 of Annex I to this Guideline at the intervals prescribed.
Oznaka LEI (LEI)
Guideline (EU) 2018/877 of the European Central Bank
Smernica Evropske centralne banke (EU) 2018/877
amending Guideline ECB/2014/15 on monetary and financial statistics (ECB/2018/17)
o spremembi Smernice ECB/2014/15 o denarni in finančni statistiki (ECB/2018/17)
The European Central Bank (ECB) needs to monitor the transmission of monetary policy and in particular the impact of changes in the interest rates applied to the main refinancing operations and targeted longer-term refinancing operations and of the purchases conducted under the asset purchase programmes on the lending conditions for households and non-financial corporations.
Evropska centralna banka (ECB) mora spremljati transmisijo denarne politike ter zlasti vpliv sprememb obrestnih mer, ki se uporabljajo za operacije glavnega refinanciranja in ciljno usmerjene operacije dolgoročnejšega refinanciranja, in nakupov v okviru programov nakupa vrednostnih papirjev na posojilne pogoje za gospodinjstva in nefinančne družbe.
For this purpose, statistical information on securitisations and other transfers by monetary financial institutions (MFIs) of loans to households broken down by purpose is required on a monthly basis.
Zato so potrebne mesečne statistične informacije o listinjenju in drugih prenosih posojil gospodinjstvom, ki jih opravijo denarne finančne institucije (MFI), razčlenjeno po namenu.
In addition, statistical information on notional cash pooling is required so that the impact of such positions can be distinguished from that of other deposits and loans on the balance sheets of MFIs.
Poleg tega so potrebne statistične informacije o navideznem združevanju denarnih sredstev, tako da se lahko vpliv teh postavk loči od vpliva drugih vlog in posojil v bilancah stanja MFI.
Following the establishment of the Single Resolution Board, which became fully operational on 1 January 2015, it is also necessary that positions vis-à-vis the SRB are reported.
Po ustanovitvi Enotnega odbora za reševanje, ki v celoti deluje od 1. januarja 2015, je treba poročati tudi stanja v razmerju do Enotnega odbora za reševanje.
It is therefore necessary to lay down the formats and procedures that the national central banks (NCBs) of the Member States whose currency is the euro must follow in order to report such information to the ECB.
Zato je treba določiti formate in postopke, ki jih morajo nacionalne centralne banke (NCB) držav članic, katerih valuta je euro, upoštevati pri poročanju teh informacij ECB.
The ECB maintains the Register of Institutions and Affiliates Data (RIAD), a central repository of reference data on institutional units relevant for statistical purposes.
ECB vodi register podatkov o institucijah in povezanih družbah (RIAD), centralni register referenčnih podatkov o institucionalnih enotah, ki so pomembne za statistične namene.
RIAD stores, inter alia, the lists of MFIs, investment funds (IFs), financial vehicle corporations and payment statistics relevant institutions.
V registru RIAD se med drugim hranijo seznami MFI, investicijskih skladov, družb, ki se ukvarjajo s prenosom finančnih sredstev, in institucij, pomembnih za statistiko plačil.
As the rules and procedures specifying how NCBs report the required data to the ECB using RIAD are set out in a separate Guideline, for reasons of legal certainty the provisions of Guideline ECB/2014/15 that deal with such rules and procedures need to be deleted.
Ker so pravila in postopki, ki določajo, kako NCB poročajo zahtevane podatke ECB z uporabo registra RIAD, določeni v ločeni smernici, je treba določbe Smernice ECB/2014/15, ki urejajo ta pravila in postopke, zaradi pravne varnosti črtati.
Regulation (EU) No 1073/2013 of the European Central Bank (ECB/2013/38) establishes the requirements for the reporting of statistics on the assets and liabilities of IFs.
Uredba (EU) št. 1073/2013 Evropske centralne banke (ECB/2013/38) določa zahteve za poročanje statistike sredstev in obveznosti investicijskih skladov.
In particular, it is necessary to identify undertakings for collective investment in transferable securities in IFs statistics, in relation to which a new classification of the existing data will be required, based on information from the RIAD.
Zlasti je treba v statistiki investicijskih skladov identificirati kolektivne naložbene podjeme za vlaganja v prenosljive vrednostne papirje, v zvezi s katerimi bo treba ponovno razvrstiti obstoječe podatke na podlagi informacij iz registra RIAD.
Therefore, Guideline ECB/2014/15 should be amended accordingly,
Zato je treba Smernico ECB/2014/15 ustrezno spremeniti –
in Article 1, paragraph 4 is deleted;
v členu 1 se črta odstavek 4;
in Article 3, the fifth subparagraph of paragraph 1(a) is replaced by the following:
v členu 3 se peti pododstavek odstavka 1(a) nadomesti z naslednjim:
‘All items are mandatory; however, with reference to cells in Tables 3 and 4 of Part 3 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) corresponding to the non-euro area Member States, some special provisions apply, as described in paragraph 8.
„Vse postavke so obvezne; vendar pa se v zvezi s polji v tabelah 3 in 4 v delu 3 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33), ki ustrezajo državam članicam zunaj euroobmočja, uporabljajo nekatere posebne določbe, kakor je opisano v odstavku 8.
Also with reference to that Table 3, following the establishment of the Single Resolution Board (SRB) in 2015 in accordance with Regulation (EU) No 806/2014 of the European Parliament and of the Council, NCBs are also required to submit positions vis-à-vis the SRB under the “selected EU institution” cell.
Prav tako v zvezi z navedeno tabelo 3 morajo NCB po ustanovitvi Enotnega odbora za reševanje leta 2015 v skladu z Uredbo (EU) št. 806/2014 Evropskega parlamenta in Sveta predložiti stanja v razmerju do Enotnega odbora za reševanje v polju ‚izbrana institucija EU‘.
Furthermore, with reference to the requirements of Table 5 of Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) for reporting of securitised and derecognised loans which are serviced by MFIs, NCBs may extend the reporting requirements to include loans otherwise transferred which are serviced by MFIs.
Poleg tega lahko NCB v zvezi z zahtevami iz tabele 5 v delu 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) za poročanje olistinjenih posojil, katerih pripoznanje je bilo odpravljeno in ki jih servisirajo MFI, razširijo zahteve za poročanje na drugače prenesena posojila, ki jih servisirajo MFI.
To the extent that this additional information is not included in the reporting under Table 5 of Part 5 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) but is available to the NCBs, the data shall be included in Table 4 of Part 1 of Annex II to this Guideline.
Kolikor te dodatne informacije niso vključene v poročanje po tabeli 5 v delu 5 Priloge I k Uredbi (EU) št. 1071/2013 (ECB/2013/33), vendar so na voljo NCB, se podatki vključijo v tabelo 4 v delu 1 Priloge II k tej smernici.
To the extent that information on loans securitised or otherwise transferred which are not serviced by MFIs is available to NCBs (e.g. from OFIs or financial auxiliaries acting as servicers to the loans), these data shall be included in Table 4 of Part 1 of Annex II.
Kolikor so te informacije o olistinjenih ali drugačne prenesenih posojilih, ki jih ne servisirajo MFI, na voljo NCB (npr. od DFP ali izvajalcev pomožnih finančnih dejavnosti, ki delujejo kot serviserji posojil), se ti podatki vključijo v tabelo 4 v delu 1 Priloge II.
To the extent that statistical information is available to NCBs on notional cash pooling, these data shall be included in Table 5 of Part 1 of Annex II.
Kolikor imajo NCB na voljo statistične informacije o navideznem združevanju denarnih sredstev, se ti podatki vključijo v tabelo 5 v delu 1 Priloge II.
in Article 8, paragraph 2 is replaced by the following:
v členu 8 se odstavek 2 se nadomesti z naslednjim:
The reserve base statistics shall comprise six time series for credit institutions, referring to month-end stock figures to be transmitted to the ECB at the latest by the NCB working day preceding the start of the reserve maintenance period, via the European System of Central Banks (ESCB) data exchange system.
Statistika osnove za obvezne rezerve obsega šest časovnih vrst podatkov za kreditne institucije, ki se nanašajo na podatke o stanjih ob koncu meseca in jih je treba pošiljati ECB prek sistema izmenjave podatkov Evropskega sistema centralnih bank (ESCB) najpozneje do zadnjega delovnega dne NCB pred začetkom obdobja izpolnjevanja obveznih rezerv.
NCBs shall use the quarterly reserve base data from the credit institutions in the tail for the monthly figures reported to the ECB in the three data transmissions following their release.’;
NCB uporabijo četrtletne podatke o osnovi za obvezne rezerve, ki jih pridobijo od kreditnih institucij na repu, za mesečne podatke, ki jih poročajo ECB, v treh posredovanjih podatkov po njihovi objavi.“;
in Article 9(2), the first subparagraph is replaced by the following:
v členu 9(2) se prvi pododstavek nadomesti z naslednjim:
‘The three time series for the credit institutions, referring to month-end stocks figures, shall be transmitted to the ECB at the latest by the NCB working day preceding the start of the maintenance period.’;
„Tri časovne vrste podatkov za kreditne institucije, ki se nanašajo na podatke o stanjih ob koncu meseca, se posredujejo ECB najpozneje do zadnjega delovnega dne NCB pred začetkom obdobja izpolnjevanja obveznih rezerv.“;
in Article 17a(1), the fifth subparagraph is replaced by the following:
v členu 17a(1) se peti pododstavek nadomesti z naslednjim:
‘NCBs shall make the necessary amendments to the information recorded in RIAD when the panel's membership is affected.’;
„NCB izvedejo potrebne spremembe informacij, zabeleženih v registru RIAD, kadar se spremeni sestava panela.“;
in Article 19, paragraph 1(a) is amended as follows:
v členu 19 se odstavek 1(a) spremeni:
‘All end-month stocks and monthly flow adjustments as well as monthly information on new issuance/sale and redemptions of investment fund shares/units shall also be reported (i) for the sub-sector exchange-traded funds (ETFs), as an “of-which” position of “total funds”; and (ii) starting with the reference period December 2018, separately for undertakings for collective investment in transferable securities (UCITS) IFs and non-UCITS IFs for each IF sub-sector by nature of investment.
„Vsa stanja ob koncu meseca in mesečni popravki tokov ter mesečne informacije o novih izdajah/prodajah in odkupih delnic/enot investicijskih skladov se poročajo tudi (i) za podsektor indeksni investicijski skladi (ETF), kot podpostavka ‚od tega‘ postavke ‚skupaj skladi‘, in (ii) od referenčnega obdobja december 2018 ločeno za investicijske sklade, ki so kolektivni naložbeni podjemi za vlaganja v prenosljive vrednostne papirje (KNPVP), in investicijske sklade, ki niso KNPVP, za vsak podsektor investicijskih skladov po naravi investicije.
For the data on UCITS and non-UCITS IFs, NCBs may report estimates on a best effort basis in the first year of the data reporting, i.e. from the reference period December 2018 to reference period November 2019.’;
Za podatke o investicijskih skladih, ki so KNPVP, in investicijskih skladih, ki niso KNPVP, lahko NCB v prvem letu poročanja podatkov, tj. od referenčnega obdobja december 2018 do referenčnega obdobja november 2019, poročajo ocene po najboljših prizadevanjih.“;
‘To the extent that data are available, including on a best estimate basis, end-quarter stocks and quarterly flow adjustments as well as quarterly information on new issuance/sale and redemptions of investment fund shares/units shall also be reported for the sub-sector private equity funds (including venture capital funds) as an “of which” position of “total funds”.’;
„Kolikor so podatki na voljo, vključno na podlagi najboljše ocene, se stanja ob koncu četrtletja in četrtletni popravki tokov ter četrtletne informacije o novih izdajah/prodajah in odkupih delnic/enot investicijskih skladov poročajo tudi za podsektor skladi zasebnega kapitala (vključno s skladi tveganega kapitala), kot podpostavka ‚od tega‘ postavke ‚skupaj skladi‘.“;
in Article 20, paragraph 6 is deleted;
v členu 20 se črta odstavek 6;
in Article 20(7), the first subparagraph is replaced by the following:
v členu 20(7) se prvi pododstavek nadomesti z naslednjim:
‘If NCBs compile data on FVCs' assets and liabilities directly from the FVCs and, where relevant, based on data reported by domestic MFIs under Regulation (EU) No 1071/2013 (ECB/2013/33) and grant derogations to FVCs under Article 5(1)(b) of Regulation (EU) No 1075/2013 (ECB/2013/40), the NCBs shall gross up to 100 % coverage for all FVCs when compiling the data on FVCs' quarterly assets and liabilities reported to the ECB for outstanding amounts, financial transactions and write-offs/write-downs.’;
„Če NCB pripravijo podatke o sredstvih in obveznostih DPFS na podlagi podatkov, zbranih neposredno od DPFS, in, kjer je primerno, na podlagi podatkov, ki jih poročajo domače MFI po Uredbi (EU) št. 1071/2013 (ECB/2013/33), ter odobrijo odstopanja DPFS v skladu s členom 5(1)(b) Uredbe (EU) št. 1075/2013 (ECB/2013/40), NCB pri pripravi četrtletnih podatkov o sredstvih in obveznostih DPFS, ki se poročajo ECB za neporavnane zneske, finančne transakcije in odpise/delne odpise, za vse DPFS izračunajo oceno celotne vrednosti do 100 % zajetja.“;
Article 25 is deleted;
člen 25 se črta;
Annexes II, III and IV and the Glossary are amended in accordance with the Annex to this Guideline;
priloge II, III in IV ter glosar se spremenijo v skladu s Prilogo k tej smernici;
Annexes V and VI are deleted.
prilogi V in VI se črtata.
This Guideline is addressed to the NCBs of the Member States whose currency is the euro.
Ta smernica je naslovljena na NCB držav članic, katerih valuta je euro.
Done at Frankfurt am Main, 1 June 2018.
V Frankfurtu na Majni, 1. junija 2018
Guideline ECB/2014/15 of 4 April 2014 on monetary and financial statistics (OJ L 340, 26.11.2014, p. 1).
Smernica ECB/2014/15 z dne 4. aprila 2014 o denarni in finančni statistiki (UL L 340, 26.11.2014, str. 1).
Regulation (EU) No 1073/2013 of the European Central Bank of 18 October 2013 concerning statistics on the assets and liabilities of investment funds (ECB/2013/38) (OJ L 297, 7.11.2013, p. 73).
Uredba (EU) št. 1073/2013 Evropske centralne banke z dne 18. oktobra 2013 o statistiki sredstev in obveznosti investicijskih skladov (ECB/2013/38) (UL L 297, 7.11.2013, str. 73).
Regulation (EU) No 806/2014 of the European Parliament and of the Council of 15 July 2014 establishing uniform rules and a uniform procedure for the resolution of credit institutions and certain investment firms in the framework of a Single Resolution Mechanism and a Single Resolution Fund and amending Regulation (EU) No 1093/2010 (OJ L 225, 30.7.2014, p. 1).’;
Uredba (EU) št. 806/2014 Evropskega parlamenta in Sveta z dne 15. julija 2014 o določitvi enotnih pravil in enotnega postopka za reševanje kreditnih institucij in določenih investicijskih podjetij v okviru enotnega mehanizma za reševanje in enotnega sklada za reševanje ter o spremembi Uredbe (EU) št. 1093/2010 (UL L 225, 30.7.2014, str. 1).“;
Annexes II, III and IV and the Glossary to Guideline ECB/2014/15 are amended as follows:
Priloge II, III in IV k Smernici ECB/2014/15 ter glosar v navedeni smernici se spremenijo:
in the third paragraph, the first sentence is replaced by the following:
v tretjem odstavku se prvi stavek nadomesti z naslednjim:
‘As regards balance sheet data for other monetary financial institutions (MFIs), NCBs must report to the ECB data on outstanding amounts in accordance with Tables 1 to 4 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33), and flow adjustments in accordance with Tables 1 and 2 below.’;
„V zvezi s podatki bilance stanja za druge denarne finančne institucije (MFI) morajo NCB poročati ECB podatke o neporavnanih zneskih v skladu s tabelami 1 do 4 v Prilogi I k Uredbi (EU) št. 1071/2013 (ECB/2013/33) ter o popravkih tokov v skladu s tabelama 1 in 2 spodaj.“;
‘As regards the requirements concerning loan securitisations and other loan transfers, NCBs must report to the ECB data in accordance with Tables 5a and 5b of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33).
„V zvezi z zahtevami glede listinjenja posojil in drugih prenosov posojil morajo NCB poročati ECB podatke v skladu s tabelama 5a in 5b v Prilogi I k Uredbi (EU) št. 1071/2013 (ECB/2013/33).
NCBs must report to the ECB on a monthly basis, where available, data for adjusting loans to households broken down by purpose for securitisations and other loan transfers which are required on a quarterly basis by Table 5b of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33).
Podatke za prilagoditve posojil gospodinjstvom, razčlenjene po namenu listinjenja in drugih prenosov posojil, ki se zahtevajo četrtletno v tabeli 5b v Prilogi I k Uredbi (EU) št. 1071/2013 (ECB/2013/33), morajo NCB poročati ECB mesečno, kadar so na voljo. Poleg tega morajo NCB poročati podatke o popravkih tokov v skladu s tabelama 3a in 3b spodaj.
In addition, NCBs must report flow adjustments data in accordance with Tables 3a and 3b below.
Dodatne postavke o listinjenju posojil in drugih prenosih posojil, kadar so na voljo, se morajo poročati v skladu s tabelo 4, kolikor se ti podatki ne zahtevajo v tabelah 5a in 5b v Prilogi I k Uredbi (EU) št. 1071/2013 (ECB/2013/33).“;
Additional items on loans securitisation and other loan transfers, where available, must be reported in accordance with Table 4, in so far as these data are not required under Tables 5a and 5b of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33).’;
doda se peti odstavek:
a fifth paragraph is added:
„V zvezi z zahtevami glede navideznega združevanja denarnih sredstev morajo NCB, kolikor so podatki na voljo, poročati ECB neporavnane zneske in popravke tokov, ki se nanašajo na bruto postavke vlog in posojil v okviru navideznega združevanja denarnih sredstev, ki so vključeni v poročanje podatkov po tabelah 1 do 4 v Prilogi I k Uredbi (EU) št. 1071/2013 (ECB/2013/33), v skladu s tabelo 5 spodaj.