natgillin/translations-raw huggingface dataset:
that the whole amount of the incurred loss or expenses, including provisions, costs of settlement, amounts paid to make good the damage, penalties, interest in arrears and legal fees, is considered as recorded loss amount for the purposes of both management of operational risk and calculation of the AMA own funds requirements, unless otherwise specified;
da se celotni znesek nastale izgube ali stroškov, vključno z rezervacijami, stroški poravnave, zneski, plačanimi za povrnitev škode, kaznimi, zamudnimi obrestmi in pravnimi stroški, šteje za evidentirani znesek izgube za namene upravljanja operativnega tveganja in izračuna kapitalskih zahtev v okviru pristopa AMA, razen če je določeno drugače;
that, where the operational risk event relates to market risk, the institution includes the costs to unwind market positions in the recorded loss amount of the operational risk items; and that, where the position is intentionally kept open after the operational risk event is recognized, any portion of the loss due to adverse market conditions after the decision to keep the position open is not included in the recorded loss amount of the operational risk items;
da institucija v primeru, če se dogodek operativnega tveganja nanaša na tržno tveganje, vključi stroške zapiranja pozicij na trgu v evidentirani znesek izgube v postavkah operativnega tveganja, in da v primeru, če pozicija namenoma ostane odprta po ugotovljenem dogodku operativnega tveganja, noben del izgube zaradi neugodnih razmer na trgu po odločitvi o ohranitvi pozicije odprte ni vključen v evidentirani znesek izgube v postavkah operativnega tveganja;
that, where tax payments relate to failures or inadequate processes of the institution, the institution includes in the recorded loss amount of the operational risk items the expenses incurred as a result of the operational risk event, including penalties, interest charges, late-payment charges, and legal fees, with the exclusion of the tax amount originally due;
da institucija v primeru, če so plačila davkov povezana z napakami ali neustreznimi procesi institucije, v evidentirani znesek izgube v postavkah operativnega tveganja vključi stroške, nastale zaradi dogodka operativnega tveganja, vključno s kaznimi, stroški obresti, stroški zaradi zamude pri plačilu in pravnimi stroški, z izjemo prvotno dolgovanega zneska davka;
that, where there are timing losses and the operational risk event directly affects third parties, including customers, providers and employees of the institution, the institution includes in the recorded loss amount of the operational risk item also the correction of the financial statement.
da institucija v primeru, če obstajajo časovno naravnane izgube in dogodek operativnega tveganja neposredno vpliva na tretje osebe, vključno s strankami, ponudniki storitev in zaposlenimi institucije, v evidentirani znesek izgube v postavki operativnega tveganja vključi tudi popravek računovodskega izkaza.
For the purposes of paragraph 1, where the operational risk event leads to a loss event, which is partly rapidly recovered, competent authorities shall consider appropriate the inclusion, on behalf of the institution, in the recorded loss amount of only that part of the loss which is not rapidly recovered in accordance with point (b) of Article 21.
Za namene odstavka 1 pristojni organi v primeru, če dogodek operativnega tveganja pripelje do škodnega dogodka, ki se hitro delno povrne, štejejo za primerno, da v imenu institucije v evidentirani znesek izgube vključijo samo tisti del izgube, ki se ne povrne hitro v skladu s točko (b) člena 21.
Operational risk losses that are related to credit risk
Izgube zaradi operativnega tveganja, povezane s kreditnim tveganjem
Competent authorities shall confirm that an institution identifies, collects and treats operational risk losses that are related to credit risk, as referred to in point (i) of Article 20(d), by verifying that the institution includes within the scope of operational risk loss, for the purposes of management of operational risk, at least the following:
Pristojni organi potrdijo, da institucija opredeljuje, zbira in obdeluje podatke o izgubah zaradi operativnega tveganja, ki so povezane s kreditnim tveganjem, kot je določeno v točki (i) člena 20(d), tako, da preverijo, ali institucija v obseg izgube zaradi operativnega tveganja za namene upravljanja operativnega tveganja vključi vsaj naslednje:
frauds committed by a client of the institution on its own account, occurring in a credit product or credit process at the initial stage of the lifecycle of a credit relationship, including inducement to lending decisions based on counterfeit documents or miss-stated financial statements, such as non-existence or over-estimation of collaterals and counterfeit salary confirmation;
goljufije, ki jih je storila stranka institucije za lasten račun in ki se pojavijo v kreditnem produktu ali kreditnem postopku v začetni fazi življenjskega cikla kreditnega razmerja, vključno z napeljevanjem k sprejetju odločitve o odobritvi posojila na podlagi ponarejenih dokumentov ali napačnih navedb v finančnih poročilih, kot so neobstoj ali precenitev zavarovanja in ponarejeno potrdilo o plači;
frauds committed by means of another, ignorant person's identity, including loan applications through electronic identity fraud using clients' data or fictitious identities or fraudulent use of clients' credit cards.
goljufije, storjene z uporabo identitete druge osebe, ki ni vedela za goljufijo, vključno z vložitvijo prošnje za posojilo z goljufijo, povezano z elektronsko identitetno prevaro, pri kateri se uporabijo podatki strank ali fiktivne identitete, ali zlorabo kreditnih kartic strank.
For the purposes of paragraph 1, competent authorities shall confirm that the institution takes at least the following actions:
Za namene odstavka 1 pristojni organi potrdijo, da institucija sprejme vsaj naslednje ukrepe:
adjusts the data collection threshold relating to the loss events described in paragraph 1 up to comparable levels as those of the other operational risk categories of the AMA framework, where appropriate;
po potrebi prilagodi prag zbiranja podatkov glede na škodne dogodke, opisane v odstavku 1, do ravni, ki so primerljive z ravnmi drugih kategorij operativnega tveganja okvira pristopa AMA;
includes within the gross loss of the events described in paragraph 1 the total outstanding amount at the time or after the discovery of the fraud, and any related expenses, including interest in arrears and legal fees.
v bruto izgubo dogodkov, opisanih v odstavku 1, vključi skupni znesek neporavnanih obveznosti ob odkritju goljufije ali po njem in morebitne povezane stroške, vključno z zamudnimi obrestmi in pravnimi stroški.
Competent authorities shall assess an institution's compliance with the standards relating to external data features, as referred to in point (ii) of Article 20(d), by verifying at least the following:
Pristojni organi ocenijo, ali institucija izpolnjuje standarde v zvezi z značilnostmi zunanjih podatkov iz točke (ii) člena 20(d), tako, da preverijo vsaj naslednje:
that, where the institution participates in consortia initiatives for the collection of operational risk events and losses, the institution is able to provide data of the same quality, in terms of scope, integrity and comprehensiveness, as internal data meeting the standards referred to in Articles 21, 22, 23, and 24 and that it does so consistently with the type of data requested by the consortia reporting standards;
da lahko institucija v primeru, če sodeluje v pobudah konzorcijev za zbiranje podatkov o dogodkih operativnega tveganja in izgubah zaradi njih, zagotovi podatke, ki so v smislu obsega, celovitosti in izčrpnosti enake kakovosti kot notranji podatki, ki izpolnjujejo standarde iz členov 21, 22, 23 in 24, ter da to počne skladno z vrsto podatkov, ki se zahtevajo s standardi poročanja konzorcijev;
that the institution has a data filtering process in place which allows the selection of relevant external data, based on specific established criteria and that the external data being used is relevant and consistent with the risk profile of the institution;
da ima institucija vzpostavljen postopek filtriranja podatkov, ki omogoča izbiro ustreznih zunanjih podatkov na podlagi posebnih določenih meril, ter da so zunanji podatki, ki se uporabljajo, ustrezni in usklajeni s profilom tveganosti institucije;
that, in order to avoid bias in parameter estimates, the filtering process results in a consistent selection of data regardless of the loss amount, and that, where the institution permits exceptions to this selection process, it has a policy providing criteria for exceptions and documentation supporting the rationale for those exceptions;
da je za izogibanje pristranskosti v ocenah parametrov rezultat postopka filtriranja dosleden izbor podatkov ne glede na znesek izgube in da ima institucija v primeru, če dovoljuje izjeme od tega postopka izbire, vzpostavljeno politiko, ki določa merila za izjeme, in dokumentacijo, ki podpira utemeljitev teh izjem;
that, where the institution adopts a data scaling process involving the adjustment of loss amounts reported in external data, or of the related distributions, to fit the institution's business activities, nature and risk profile, the scaling process is systematic and statistically supported and that it provides outputs that are consistent with the institution's risk profile;
da je v primeru, če institucija uporablja postopek skaliranja podatkov, ki vključuje prilagoditev zneskov izgube, sporočenih v zunanjih podatkih, ali povezanih porazdelitev, da bi ustrezali poslovnim dejavnostim, naravi in profilu tveganosti institucije, ta postopek sistematičen in statistično podprt ter da zagotavlja rezultate, ki so skladni s profilom tveganosti institucije;
that the institution's scaling process is consistent over time and its validity and effectiveness are regularly reviewed.
da je postopek skaliranja, ki ga uporablja institucija, ves čas dosleden ter da se njegova veljavnost in učinkovitost redno preverjata.
Competent authorities shall assess an institution's compliance with the standards relating to scenario analysis, as referred to in point (iii) of Article 20(d), by verifying at least the following:
Pristojni organi ocenijo, ali institucija izpolnjuje standarde v zvezi z analizo scenarijev iz točke (iii) člena 20(d), tako, da preverijo vsaj naslednje:
that the institution has a robust governance framework in place relating to the scenario process that generates credible and reliable estimates, irrespective of whether the scenario is used for evaluating high severity events or the overall operational risk exposures;
da ima institucija vzpostavljen trden okvir upravljanja v zvezi s postopkom analize scenarijev, ki zagotavlja verodostojne in zanesljive ocene ne glede na to, ali se scenarij uporablja za vrednotenje zelo resnih dogodkov ali skupnih izpostavljenosti operativnemu tveganju;
that the scenario process is clearly defined, well documented, repeatable and designed to reduce as much as possible subjectivity and biases, including:
da je postopek analize scenarijev jasno opredeljen, dobro dokumentiran, ponovljiv in zasnovan za čim večje zmanjšanje subjektivnosti in pristranskosti, vključno s:
the underestimation of risk due to the number of observed events being small;
podcenjevanjem tveganja zaradi majhnega števila ugotovljenih dogodkov;
the misrepresentation of information due to scenario assessors' interests in conflict with the goals and consequences of the assessment;
napačnim prikazovanjem informacij zaradi interesov ocenjevalcev scenarijev, ki so v nasprotju s cilji in posledicami ocene;
the overestimation of events with temporal proximity to the scenario assessors;
precenitvijo dogodkov, ki so časovno blizu ocenjevalcem scenarijev;
the distortion of assessment due to the categories within which the responses are represented;
izkrivljanjem ocene zaradi kategorij, v katerih so predstavljeni odgovori;
the bias in the information presented in background materials to survey questions or within the questions themselves.
pristranskostjo predstavljenih informacij v referenčnem gradivu za anketna vprašanja ali v samih vprašanjih;
that qualified and experienced facilitators provide consistency in the process;
da usposobljeni in izkušeni posredniki zagotavljajo doslednost postopka;
that the assumptions used in the scenario process are based, to the maximum extent, on the relevant internal data and external data with an objective and unbiased selection process;
da predpostavke, uporabljene v postopku analize scenarijev, v največjem možnem obsegu temeljijo na ustreznih notranjih in zunanjih podatkih z objektivnim in nepristranskim postopkom izbire;
that the chosen number of scenarios, the level at, or units in, which scenarios are studied, are realistic and properly explained, and that the scenario estimates take into account relevant changes in the internal and external environments that can affect the institution's operational risk exposure;
da so izbrano število scenarijev in raven, na kateri se scenariji proučujejo, ali enote, v katerih se proučujejo, realistični in ustrezno pojasnjeni ter da so v ocenah scenarijev upoštevane ustrezne spremembe notranjih in zunanjih okolij, ki lahko vplivajo na izpostavljenost institucije operativnemu tveganju;
that the scenario estimates are generated taking into account potential or probable operational risk events that have not yet, fully or partly, materialised in an operational risk loss;
da so ocene scenarijev pripravljene ob upoštevanju morebitnih ali verjetnih dogodkov operativnega tveganja, ki se še niso v celoti ali delno realizirali v izgubi zaradi operativnega tveganja;
that the scenario process and estimates are subject to a robust independent challenge process and oversight.
da se za postopek analize scenarijev in ocene scenarijev uporablja zanesljiv neodvisen postopek preverjanja in nadzora.
Business Environment and Internal Control Factors
Dejavniki poslovnega okolja in notranjih kontrol
Competent authorities shall assess an institution's compliance with the standards relating to the BEICF as referred to in point (iv) of Article 20(d) by verifying at least the following
Pristojni organi ocenijo, ali institucija izpolnjuje standarde v zvezi z dejavniki poslovnega okolja in notranjih kontrol iz točke (iv) člena 20(d), tako, da preverijo vsaj naslednje:
that the institution's BEICF are forward looking and reflect potential sources of operational risk, including rapid growth, the introduction of new products, employee turnover and system downtime;
da so dejavniki poslovnega okolja in notranjih kontrol usmerjeni v prihodnost in odražajo morebitne vire operativnega tveganja, vključno s hitro rastjo, uvajanjem novih produktov, fluktuacijo zaposlenih in izpadom delovanja sistema;
that the institution has clear policy guidelines that limit the magnitude of reductions in the AMA own funds requirements resulting from BEICF adjustments;
da ima institucija jasne smernice politike, ki omejujejo obseg zmanjšanj kapitalskih zahtev v okviru pristopa AMA, ki so rezultat prilagoditev dejavnikov poslovnega okolja in notranjih kontrol;
that the BEICF adjustments referred to in point (b) are justified and that the appropriateness of their level is confirmed by comparison, over time, with the direction and magnitude of actual internal loss data, conditions in the business environment and changes in the validated effectiveness of controls.
da so prilagoditve dejavnikov poslovnega okolja in notranjih kontrol iz točke (b) upravičene in da je ustreznost njihove stopnje potrjena s primerjavo po obdobjih s smerjo in obsegom dejanskih notranjih podatkov o izgubi, pogoji v poslovnem okolju in spremembami ovrednotene učinkovitosti kontrol.
Core modelling assumptions of the operational risk measurement system
Temeljne predpostavke o modeliranju sistema merjenja operativnega tveganja
Competent authorities shall assess an institution's standards relating to the core modelling assumptions of the operational risk measurement system, as referred to in points (a) and (c) of Article 322(2) of Regulation (EU) No 575/2013, by verifying at least the following:
Pristojni organi ocenijo standarde institucije v zvezi s temeljnimi predpostavkami o modeliranju sistema merjenja operativnega tveganja iz točk (a) in (c) člena 322(2) Uredbe (EU) št. 575/2013, tako, da preverijo vsaj naslednje:
that the institution develops, implements and maintains an operational risk measurement system that is methodologically well founded, effective in capturing the institution's actual and potential operational risk, and reliable and robust in generating AMA own funds requirements;
da institucija razvija, izvaja in vzdržuje sistem merjenja operativnega tveganja, ki je metodološko dobro utemeljen, učinkovit pri zajemanju dejanskega in morebitnega operativnega tveganja institucije ter zanesljiv in stabilen pri določanju kapitalskih zahtev v okviru pristopa AMA;
that the institution has appropriate policies on the building of the calculation data set, in accordance with Article 29;
da ima institucija ustrezne politike o oblikovanju podatkovnega niza za izračun v skladu s členom 29;
that the institution applies the appropriate level of granularity in its model, in accordance with Article 30;
da institucija v svojem modelu uporablja ustrezno stopnjo razdrobljenosti v skladu s členom 30;
that the institution has in place an appropriate process for the identification of loss distributions, in accordance with Article 31;
da ima institucija vzpostavljen ustrezen postopek za določitev porazdelitev izgube v skladu s členom 31;
that the institution determines the aggregate loss distributions and risk measures in an appropriate manner, in accordance with Article 32.
da institucija ustrezno določa porazdelitve skupne izgube in mere tveganja v skladu s členom 32.
Building the calculation data set
Oblikovanje podatkovnega niza za izračun
For the purposes of assessing that an institution has appropriate policies on the building of the calculation data set, as referred to in point (b) of Article 28, competent authorities shall confirm at least the following:
Da bi pristojni organi ocenili, ali ima institucija ustrezne politike o oblikovanju podatkovnega niza za izračun iz točke (b) člena 28, potrdijo vsaj naslednje:
that specific criteria and examples for the classification and treatment of operational risk events and losses within the calculation data set are defined by the institution, and that such criteria and examples provide a consistent treatment of loss data across the institution;
da je institucija opredelila posebna merila in primere za razvrščanje in obravnavo dogodkov operativnega tveganja in izgub v okviru podatkovnega niza za izračun ter da taka merila in primeri zagotavljajo skladno obravnavo podatkov o izgubi v celotni instituciji;
that the institution does not use loss net of insurance and ORTM recoveries in the calculation data set;
da institucija v podatkovnem nizu za izračun ne uporabi izgube brez zavarovanja in povrnitev v okviru drugih mehanizmov za prenos tveganja;
that the institution has adopted, for operational risk categories with low frequency of events, an observation period greater than the minimum referred to in point (a) of Article 322(3) of Regulation (EU) No 575/2013;
da je institucija za kategorije operativnega tveganja z majhno pogostostjo dogodkov sprejela obdobje opazovanja, ki je daljše od minimalnega obdobja iz točke (a) člena 322(3) Uredbe (EU) št. 575/2013;
that the institution, in the course of building the calculation data set for the purposes of estimating frequency and severity distributions, uses the date of discovery or the date of accounting only, and uses a date no later than the date of accounting for including losses or provisions related to legal risk into the calculation dataset;
da institucija pri oblikovanju podatkovnega niza za izračun za oceno porazdelitev pogostosti in resnosti uporabi samo datum odkritja ali datum obračunavanja in uporabi datum, ki ni poznejši od datuma obračunavanja, za vključitev izgub ali rezervacij, povezanih s pravnim tveganjem, v podatkovni niz za izračun;
that the institution's choice of the minimum modelling threshold does not adversely impact the accuracy of the operational risk measures and that the use of minimum modelling thresholds that are much higher than the data collection thresholds is limited and, where applied, is properly justified by sensitivity analysis of various thresholds performed by the institution;
da minimalni prag modeliranja, ki ga je izbrala institucija, ne vpliva negativno na natančnost mer operativnega tveganja ter da je uporaba minimalnih pragov modeliranja, ki so veliko višji od pragov zbiranja podatkov, omejena in po potrebi ustrezno utemeljena z analizo občutljivosti različnih pragov, ki jo izvede institucija;
that the institution includes all operational losses above the chosen minimum modelling threshold in the calculation data set and that it uses them, irrespective of their level, for generating the AMA own funds requirements;
da institucija v podatkovni niz za izračun vključi vse operativne izgube, ki presegajo izbrani minimalni prag modeliranja, in da jih ne glede na njihovo višino uporabi za določitev kapitalskih zahtev v okviru pristopa AMA;
that the institution applies appropriate adjustment rates on the data where inflation or deflation effects are material;
da institucija v primeru bistvenih učinkov inflacije ali deflacije za podatke uporabi ustrezne stopnje prilagoditve;
that losses caused by root event in the form of a common operational risk event or by multiple events linked to an initial operational risk event generating events or losses are grouped and entered into the calculation data set as a single loss by the institution;
da so izgube zaradi osnovnega dogodka v obliki skupnega dogodka operativnega tveganja ali več dogodkov, povezanih s prvotnim dogodkom operativnega tveganja, ki ustvarja dogodke ali izgube, združene in vnesene v podatkovni niz za izračun kot ena izguba institucije;
that any possible exceptions to the treatment laid down in point (h) are properly documented and justified to prevent undue reduction of the AMA own funds requirements;
da so morebitne izjeme od obravnave iz točke (h) ustrezno dokumentirane in utemeljene, da se prepreči neupravičeno zmanjševanje kapitalskih zahtev v okviru pristopa AMA;
that the institution does not discard from the AMA calculation data set material adjustments to operational risk losses of single or linked events, where the reference date of these adjustments falls within the observation period and the reference date of the initial, single event or root event referred to in point (h) falls outside such a period;
da institucija iz podatkovnega niza za izračun v okviru pristopa AMA ne opusti bistvenih prilagoditev izgubam zaradi operativnega tveganja posameznega ali povezanih dogodkov, kadar je referenčni datum teh prilagoditev v obdobju opazovanja, referenčni datum prvotnega, posameznega ali osnovnega dogodka iz točke (h) pa zunaj takega obdobja;
that the institution is able to distinguish, for each reference year included in the observation period, the loss amounts pertinent to events discovered or accounted for in that year from the loss amounts pertinent to adjustments or grouping of events discovered or accounted for in previous years.
da lahko institucija za vsako referenčno leto, vključeno v obdobje opazovanja, razlikuje med zneski izgube, ki se nanašajo na dogodke, ki so bili odkriti ali obračunani v zadevnem letu, in zneski izgube, ki se nanašajo na prilagoditve ali združevanje dogodkov, ki so bili odkriti ali obračunani v preteklih letih.
Granularity
Razdrobljenost
For the purposes of assessing that an institution applies the appropriate level of granularity in its model, as referred to in point (c) of Article 28, competent authorities shall confirm at least the following:
Da bi pristojni organi ocenili, ali institucija v svojem modelu uporablja ustrezno stopnjo razdrobljenosti iz točke (c) člena 28, potrdijo vsaj naslednje: