natgillin/translations-raw huggingface dataset:
Competent authorities shall assess an institution's compliance with the requirements relating to the impact of insurance and ORTM within an AMA, as referred to in the last sentence of point (e) of Article 322(2) and in Article 323 of Regulation (EU) No 575/2013, by confirming at least the following:
Pristojni organi ocenijo, ali institucija izpolnjuje zahteve v zvezi z vplivom zavarovanja in drugih oblik prenosa tveganja v okviru pristopa AMA iz točke (e) člena 322(2) in člena 323 Uredbe (EU) št. 575/2013, tako, da potrdijo vsaj naslednje:
that the insurance provider meets the authorisation requirements referred to in Article 323(2) of Regulation (EU) No 575/2013, in accordance with Article 37;
da ponudnik zavarovalnih storitev v skladu s členom 37 izpolnjuje zahteve glede dovoljenja iz člena 323(2) Uredbe (EU) št. 575/2013;
that the insurance is provided via a third party, as referred to in point (e) of Article 323(3) of Regulation (EU) No 575/2013, in accordance with Article 38;
da v skladu s členom 38 zavarovanje zagotovi tretja oseba, kot je določeno v točki (e) člena 323(3) Uredbe (EU) št. 575/2013;
that the institution avoids the multiple counting of risk mitigation techniques, as referred to in point (e) of Article 322(2) of Regulation (EU) No 575/2013, in accordance with Article 39;
da se institucija v skladu s členom 39 izogiba večkratnemu štetju tehnik zmanjševanja tveganja, kot je določeno v točki (e) člena 322(2) Uredbe (EU) št. 575/2013;
that the risk mitigation calculation appropriately reflects the insurance coverage, as referred to in point (d) of Article 323(3) of Regulation (EU) No 575/2013, and that the framework for recognising insurance is well reasoned and documented, as referred to in point (f) of Article 323(3) of that Regulation, including the following:
da izračun zmanjšanja tveganja ustrezno odraža zavarovalno kritje, kot je določeno v točki (d) člena 323(3) Uredbe (EU) št. 575/2013, in da je okvir za priznavanje zavarovanja dobro utemeljen in dokumentiran, kot je določeno v točki (f) člena 323(3) navedene uredbe, vključno z naslednjim:
the insurance coverage relates to the institution's operational risk profile, in accordance with Article 40;
zavarovalno kritje se v skladu s členom 40 nanaša na profil operativne tveganosti institucije;
the institution uses a sophisticated risk mitigation calculation, in accordance with Article 41;
institucija v skladu s členom 41 uporablja izpopolnjen izračun zmanjšanja tveganja;
the risk mitigation calculation is aligned to the institution's operational risk profile in a timely fashion, in accordance with Article 42.
izračun zmanjšanja tveganja se v skladu s členom 42 pravočasno uskladi s profilom operativne tveganosti institucije;
that the institution's methodology for recognising insurance captures all the relevant elements through discounts or haircuts in the amount of insurance recognition, as referred to in points (a) and (b) of Article 323(3) and in Article 323(4) of Regulation (EU) No 575/2013, in accordance with Article 43;
da metodologija institucije za priznavanje zavarovanja v skladu s členom 43 zajame vse ustrezne elemente s popusti ali odbitki v znesku priznanega zavarovanja, kot je določeno v točkah (a) in (b) člena 323(3) ter členu 323(4) Uredbe (EU) št. 575/2013;
that the institution demonstrates that a noticeable risk mitigating effect is achieved with the introduction of the ORTM, as referred to in the second sentence of Article 323(1) of Regulation (EU) No 575/2013, in accordance with Article 44.
da institucija v skladu s členom 44 dokaže, da se z uvedbo drugih oblik prenosa tveganja doseže opazen učinek zmanjševanja tveganja, kot je določeno v drugem stavku člena 323(1) Uredbe (EU) št. 575/2013.
Authorisation equivalence of the insurance provider
Enakovrednost dovoljenj ponudnika zavarovalnih storitev
For the purposes of assessing the authorisation requirements of the insurance provider as referred to in Article 36(a), competent authorities shall consider that an undertaking authorised in a third country fulfils the requirements of authorisation, where that undertaking satisfies prudential requirements that are equivalent to those applied in the Union, including the requirements referred to in Article 323 of Regulation (EU) No 575/2013.
Da bi pristojni organi ocenili zahteve v zvezi z dovoljenjem ponudnika zavarovalnih storitev iz člena 36(a), štejejo, da družba, ki je pridobila dovoljenje za opravljanje storitev v tretji državi, izpolnjuje zahteve v zvezi z dovoljenjem, če izpolnjuje bonitetne zahteve, ki so enakovredne zahtevam, ki se uporabljajo v Uniji, vključno z zahtevami iz člena 323 Uredbe (EU) št. 575/2013.
Provision of the insurance via a third party
Zagotavljanje zavarovanja prek tretje osebe
For the purposes of assessing that the insurance coverage for the purposes of AMA own funds requirements is provided by a third-party entity, as referred to in Article 36(b), competent authorities shall confirm, on the basis of the comprehensive view of an institution's consolidated situation as referred to in Article 4(1), point (47) of Regulation (EU) No 575/2013, that neither the institution nor any other of the entities included in the scope of consolidation has a participation or a qualifying holding, as referred to in Article 4(1), points (35) and (36) respectively, of Regulation (EU) No 575/2013, in the party providing the insurance.
Da bi pristojni organi ocenili, ali zavarovalno kritje za namene kapitalskih zahtev v okviru pristopa AMA zagotavlja tretja oseba iz člena 36(b), na podlagi celovitega pregleda nad konsolidiranim položajem institucije iz točke 47 člena 4(1) Uredbe (EU) št. 575/2013 potrdijo, da niti institucija niti noben od drugih subjektov, vključenih v obseg konsolidacije, v družbi, ki zagotavlja zavarovanje, nima udeležbe ali kvalificiranega deleža, kot sta določena v točkah 35 in 36 člena 4(1) Uredbe (EU) št. 575/2013.
Where the requirements of paragraph 1 are partially met, only that portion of the insurance provided where ultimate liability rests with an eligible third-party entity by virtue of the fact that the risk is effectively transferred outside of the consolidated entities shall be considered as insurance provided via a third party.
Kadar so zahteve iz odstavka 1 delno izpolnjene, se za zavarovanje, ki ga zagotovi tretja oseba, šteje samo tisti del zagotovljenega zavarovanja, za katerega je končno odgovoren ustrezen subjekt tretje osebe, saj se tveganje dejansko prenese izven subjektov, vključenih v konsolidacijo.
Multiple counting of risk mitigation techniques
Večkratno štetje tehnik zmanjševanja tveganja
For the purposes of assessing that the insurance coverage for the purposes of AMA own funds requirements avoids the multiple counting of risk mitigation techniques, as referred to in Article 36(c), competent authorities shall confirm that an institution has taken reasonable steps to ensure that neither the institution nor any of the entities included in the scope of the consolidation is knowingly re-insuring contracts that cover operational risk events forming the object of the initial insurance arrangement entered into by the institution.
Da bi pristojni organi ocenili, ali se zavarovalno kritje za namene kapitalskih zahtev v okviru pristopa AMA izogiba večkratnemu štetju tehnik zmanjševanja tveganja iz člena 36(c), potrdijo, da je institucija izvedla razumne ukrepe za zagotovitev, da niti institucija niti kateri koli od subjektov, vključenih v obseg konsolidacije, ne pozavaruje namerno pogodb, ki krijejo dogodke operativnega tveganja, ki tvorijo predmet prvotnega zavarovanja, ki ga je sklenila institucija.
Insurance risk mapping process
Postopek vzporejanja zavarovalnega tveganja
For the purposes of assessing that the insurance coverage relates to an institution's risk profile, as referred to in point (i) of Article 36(d), competent authorities shall confirm that an institution has carried out a well-documented and well-reasoned insurance risk mapping process whereby the institution develops an insurance coverage consistent with the likelihood and impact of all operational risk losses that it may potentially face.
Da bi pristojni organi ocenili, ali se zavarovalno kritje nanaša na profil tveganosti institucije iz točke (i) člena 36(d), potrdijo, da je institucija izvedla dobro dokumentiran in dobro utemeljen postopek vzporejanja zavarovalnega tveganja, pri čemer institucija oblikuje zavarovalno kritje v skladu z verjetnostjo in vplivom vseh izgub zaradi operativnega tveganja, ki bi jih lahko utrpela.
For the purposes of paragraph 1, competent authorities shall confirm that the institution complies with at least the following:
Za namene odstavka 1 pristojni organi potrdijo, da institucija izpolnjuje vsaj naslednje zahteve:
estimates the probability of insurance recovery and the possible timeframe for the receipt of payments by insurers, including the likelihood of a claim being litigated, the length of that process and current settlement rates and terms, based on the experience of its insurance risk management team, supported where necessary by appropriate external expertise including claims counsel, brokers and carriers;
oceni verjetnost izplačila zavarovanja in možen časovni okvir za prejem plačil zavarovateljev, vključno z verjetnostjo sodnega uveljavljanja zahtevka, trajanjem takega postopka ter veljavnimi deleži in pogoji poravnav, in sicer na podlagi izkušenj svoje ekipe za upravljanje zavarovalnega tveganja, ki ji po potrebi pomagajo ustrezni zunanji strokovnjaki, vključno s svetovalci, posredniki in zavarovalnice;
uses the estimates resulting from point (a) to assess the performance of insurance in the event of an operational risk loss and designs this process with the view to assessing the insurance response for all relevant loss and scenario data being entered into the operational risk measurement system;
uporablja ocene, ki izhajajo iz točke (a), za oceno uspešnosti zavarovanja v primeru izgube zaradi operativnega tveganja ter načrtuje ta proces, da bi ocenila odziv zavarovanja za vse ustrezne podatke o izgubah in scenarijih, vnesenih v sistem merjenja operativnega tveganja;
maps the insurance policies based on their assessment resulting from point (b) to the institution's own operational risks at the maximum level of detail, using all the information sources available, including internal data, external data and scenario estimates;
vzporeja zavarovalne police na podlagi njihove ocene, ki izhaja iz točke (b), z operativnimi tveganji institucije pri največji možni stopnji podrobnosti, pri čemer uporablja vse razpoložljive vire informacij, vključno z notranjimi in zunanjimi podatki ter ocenami scenarijev;
employs the appropriate expertise and conducts this mapping with transparency and consistency;
uporablja ustrezno strokovno znanje ter to vzporejanje izvaja pregledno in dosledno;
assigns the appropriate weight to the past and expected performance of insurance through an assessment of the components of the insurance policy;
pretekli in pričakovani uspešnosti zavarovanja na podlagi ocene elementov zavarovalne police dodeli ustrezne utežne faktorje;
obtains formal approval from the appropriate risk body or committee;
pridobi uradno odobritev ustreznega organa ali odbora za ocenjevanje tveganja;
periodically re-examines the insurance mapping process.
v rednih časovnih razmikih ponovno prouči postopek vzporejanja zavarovanj.
Use of a sophisticated risk mitigation calculation
Uporaba izpopolnjenega izračuna zmanjšanja tveganja
For the purposes of assessing that an institution uses a sophisticated risk mitigation calculation, as referred to in point (ii) of Article 36(d), competent authorities shall confirm that the modelling approach for incorporating the insurance coverage within the AMA meets at least the following:
Da bi pristojni organi ocenili, ali institucija uporablja izpopolnjen izračun zmanjšanja tveganja iz točke (ii) člena 36(d), potrdijo, da pristop modeliranja za vključitev zavarovalnega kritja v pristop AMA izpolnjuje vsaj naslednje zahteve:
it is consistent with the operational risk measurement system adopted to quantify the gross-of-insurance losses;
je skladen s sistemom merjenja operativnega tveganja, ki se uporablja za količinsko opredelitev bruto izgub brez morebitne povrnitve iz zavarovanja;
it is transparent in its relationship with the actual likelihood and impact of losses used in the institution's overall determination of its AMA own funds requirements, and is also consistent with that relationship.
je pregleden, kar zadeva njegovo razmerje z dejansko verjetnostjo in vplivom izgub, ki jih institucija uporablja pri splošnem določanju svojih kapitalskih zahtev v okviru pristopa AMA, ter tudi skladen s tem razmerjem.
Alignment of the risk mitigation calculation with the operational risk profile
Uskladitev izračuna zmanjšanja tveganja s profilom operativne tveganosti
For the purposes of assessing that the risk mitigation calculation is aligned with an institution's operational risk profile in a timely fashion, as referred to in point (iii) of Article 36(d), competent authorities shall confirm at least the following:
Da bi pristojni organi ocenili, ali se izračun zmanjšanja tveganja pravočasno uskladi s profilom operativne tveganosti institucije iz točke (iii) člena 36(d), potrdijo vsaj naslednje:
that the institution has reviewed the use of insurance and has recalculated the AMA own funds requirements, as appropriate, where the nature of the insurance has changed significantly or where there is a major change in the institution's operational risk profile;
da je institucija pregledala uporabo zavarovanja in po potrebi preračunala kapitalske zahteve v okviru pristopa AMA, če se je narava zavarovanja bistveno spremenila ali če je prišlo do večje spremembe v profilu operativne tveganosti institucije;
where material losses are incurred, affecting the insurance coverage, that the institution recalculates the AMA own funds requirements with an additional margin of conservatism;
da institucija v primeru pomembnih izgub, ki vplivajo na zavarovalno kritje, preračuna kapitalske zahteve v okviru pristopa AMA z dodatno mero konservativnosti;
where there is an unexpected termination or reduction of the insurance coverage, that the institution is prepared to immediately replace the insurance policy on equivalent or improved terms, conditions and coverage, or to increase its AMA own funds requirements to a gross-of-insurance level;
da je institucija v primeru nepričakovane prekinitve ali zmanjšanja zavarovalnega kritja pripravljena takoj nadomestiti zavarovalno polico pod enakovrednimi ali boljšimi pogoji in z enakovrednim ali večjim kritjem ali povečati svoje kapitalske zahteve v okviru pristopa AMA na raven, ki izključuje morebitno povrnitev iz zavarovanja;
that the institution calculates capital gross- and net-of-insurance, at a level of granularity such that any erosion in the amount of insurance available, including by payment of a material loss, or a change in insurance coverage, can be immediately recognised for its effect on the AMA own funds requirements.
da institucija preračuna kapital brez morebitne povrnitve iz zavarovanja in z njo na taki ravni razdrobljenosti, da se lahko takoj prepozna vpliv morebitnega znižanja razpoložljivega zneska zavarovanja, tudi s poplačilom pomembne izgube ali spremembo zavarovalnega kritja, na kapitalske zahteve v okviru pristopa AMA.
Capture of all the relevant elements
Zajetje vseh ustreznih elementov
For the purposes of assessing that an institution's methodology for recognising insurance captures all the relevant elements through discounts or haircuts in the amount of insurance recognition, as referred to in Article 36(e), competent authorities shall confirm at least the following:
Da bi pristojni organi ocenili, ali metodologija institucije za priznavanje zavarovanja zajema vse ustrezne elemente s popusti ali odbitki pri priznanem znesku zavarovanja iz člena 36(e), potrdijo vsaj naslednje:
that the institution investigates the various factors that create the risk that the insurance provider will not make the payments as expected and decrease the effectiveness of the risk transfer, including the ability of the insurer to pay in a timely manner and the ability of the institution to identify, analyse and report the claim in a timely manner;
da institucija razišče različne dejavnike, ki ustvarjajo tveganje, da ponudnik zavarovalnih storitev ne bo izvedel plačil v skladu s pričakovanji, in zmanjšujejo učinkovitost prenosa tveganja, vključno s sposobnostjo zavarovatelja, da pravočasno izvede plačila, in sposobnostjo institucije, da opredeli in analizira zahtevek ter poroča o njem;
that the institution investigates how the various factors referred to in point (a) have affected the mitigating impact of insurance on the operational risk profile in the past and how they may affect it in the future;
da institucija razišče, kako so različni dejavniki iz točke (a) vplivali na učinek zavarovanja v zvezi zmanjševanjem tveganja na profil operativne tveganosti v preteklosti in kakšen je lahko njihov vpliv v prihodnosti;
that the institution reflects the uncertainties referred to in point (a) in its AMA own funds requirements, through appropriately conservative haircuts;
da institucija izraža negotovosti iz točke (a) v svojih kapitalskih zahtevah v okviru pristopa AMA, in sicer z ustrezno konservativnimi odbitki;
that the institution carefully takes into account the characteristics of the insurance policies, including whether those policies cover only losses that are claimed or notified to the insurer during the policy term, therefore any loss that is discovered after the policy expires is not covered, or whether they cover losses that are incurred during the policy term, even where they are not discovered and the claim is not lodged until after the expiration of the policy, or whether the losses are first-party direct losses or third-party liability losses;
da institucija skrbno upošteva značilnosti zavarovalnih polic, med drugim tudi to, ali take police krijejo samo izgube, ki se uveljavljajo ali se zavarovatelju sporočijo v obdobju veljavnosti police, zaradi česar niso krite izgube, odkrite po poteku police, ali pa so v takih policah krite izgube, ki nastanejo v obdobju veljavnosti police, tudi če niso odkrite in je zahtevek vložen šele po poteku police, oziroma ali so izgube neposredne izgube prve stranke ali izgube, za katere je odgovorna tretja oseba;
that the institution considers and fully documents data on insurance pay-outs by loss type in its loss databases and sets haircuts accordingly;
da institucija v svojih zbirkah podatkov o izgubah upošteva in v celoti dokumentira podatke o izplačilih zavarovanja po vrsti izgube ter v skladu s tem določi odbitke;
that the institution has in place procedures for loss identification, analysis and claims processing, with the view to verifying the actual coverage protection provided by the insurer or the ability to receive the claim payment funds within a reasonable timeframe;
da ima institucija vzpostavljene postopke za opredelitev izgub, analizo in obdelavo zahtevkov, da lahko preverja dejansko zavarovalno kritje, ki ga zagotavlja zavarovatelj, ali sposobnost prejetja sredstev za plačilo zahtevka v razumnem času;
that the institution explicitly quantifies and models separately the haircuts in relation to each of the identified relevant uncertainties instead of applying one single haircut into the calculation covering all uncertainties or an ex post calculation haircut;
da institucija jasno količinsko opredeli in ločeno modelira odbitke v zvezi s posameznimi ugotovljenimi pomembnimi negotovostmi, namesto da v izračunu uporabi enoten odbitek, ki zajema vse negotovosti, ali odbitek po izračunu;
that the institution takes into account the recognition of the insurer's claims-paying ability risk to the maximum extent, by applying appropriate haircuts in the insurance modelling methodology;
da institucija v čim večjem možnem obsegu upošteva priznavanje tveganja glede sposobnosti zavarovatelja za izplačilo terjatev z uporabo ustreznih odbitkov v metodologiji modeliranja zavarovanja;
that the institution ensures that the claims-paying ability risk for counterparty default is assessed on the basis of the credit quality of the insurance company responsible under the given insurance contract, irrespective of whether the insurance company's parent institution has a better rating or whether the risk is transferred to a third party;
da institucija zagotovi, da se tveganje glede sposobnosti izplačila terjatev za neplačilo nasprotne stranke oceni na podlagi kreditne kakovosti zavarovalnice, odgovorne v skladu z zadevno zavarovalno pogodbo, ne glede na to, ali ima nadrejena institucija zavarovalnice boljšo bonitetno oceno in ali je tveganje preneseno na tretjo osebo;
that the institution makes conservative assumptions relating to the renewal of insurance policies on the basis of equivalent terms, conditions, and coverage as the original or existing contracts;
da institucija oblikuje konservativne predpostavke v zvezi s podaljšanjem zavarovalnih polic na podlagi enakih pogojev in enakega kritja kot v prvotni ali obstoječih pogodbah;
that the institution has processes in place to ensure that the potential exhaustion of insurance policy limits and the price and availability of reinstatements of cover as well as the cases where the coverage of the insurance contract does not match the operational risk profile of the institution are appropriately reflected in its AMA insurance methodology.
da ima institucija vzpostavljene postopke za zagotavljanje, da so morebitno izčrpanje omejitev zavarovalne police ter cena in razpoložljivost povrnitve kritja, pa tudi primeri, ko se kritje iz zavarovalne pogodbe ne ujema s profilom operativne tveganosti institucije, ustrezno izraženi v njeni metodologiji zavarovanja v okviru pristopa AMA.
For the purposes of paragraph 1, competent authorities may consider that the requirement for the institution to apply haircuts for the time remaining until the expiry of the insurance contract or for the cancellation term is not necessary where the cover will be renewed and continuous and where at least one of the following conditions is met:
Za namene odstavka 1 lahko pristojni organi menijo, da zahteva, da institucija uporabi odbitke za čas, ki je preostal do poteka zavarovalne pogodbe, ali za rok za odstop ni potrebna, če bo kritje obnovljeno in stalno ter če je izpolnjen vsaj eden od naslednjih pogojev:
where the institution can demonstrate the existence of continuous cover on equivalent or improved terms, conditions and coverage for at least 365 days;
če lahko institucija dokaže obstoj stalnega kritja pod enakovrednimi ali boljšimi pogoji in z enakovrednim ali večjim kritjem za vsaj 365 dni;
where the institution has in place a policy that cannot be cancelled by the insurer, other than for non-payment of premium, or which has a cancellation period of more than one year.
če ima institucija polico, ki je zavarovatelj ne more preklicati, razen v primeru neplačila premije, ali če je njen rok za odstop daljši od enega leta.
Other risk transfer mechanisms
Druge oblike prenosa tveganja
For the purposes of assessing that an institution has demonstrated that a noticeable risk mitigating effect is achieved with the introduction of ORTM, as referred to in Article 36(f), competent authorities shall apply at least the following:
Da bi pristojni organi ocenili, ali je institucija dokazala, da je bil z uvedbo drugih oblik prenosa tveganja dosežen opazen učinek zmanjševanja tveganja iz člena 36(f), storijo vsaj naslednje:
confirm that the institution has experience in using ORTM instruments and their characteristics, including probability of coverage and timeliness of payment, before these instruments can be recognized in the institution's operational risk measurement system;
potrdijo, da ima institucija izkušnje z uporabo instrumentov drugih oblik prenosa tveganja in njihovimi značilnostmi, vključno z verjetnostjo kritja in pravočasnostjo plačila, preden se ti instrumenti lahko priznajo v sistemu merjenja operativnega tveganja institucije;