natgillin/translations-raw huggingface dataset:
NCBs may allow credit institutions and other institutions , which are resident within a single participating Member State and individually included in the list of MFIs as established and updated in accordance with the classification principles set out in paragraph I of Part 1 of Annex I to Regulation ( EC ) No 2423/2001 of the European Central Bank of 22 November 2001 concerning the consolidated balance sheet of the monetary financial institutions sector ( ECB / 2001/13 ) ( 1 ) , to report MFI interest rate statistics together as a group .
2423/2001 Evropske centralne banke z dne 22 . novembra 2001 o konsolidirani bilanci stanja v sektorju monetarnih finančnih institucij ( ECB / 2001/13 ) ( 1 ) , da sporočajo statistiko obrestnih mer skupaj kot skupina .
The total national sample size n shall be the sum of the sample sizes n1 , n2 , n3 , ...
Skupni obseg nacionalnega vzorca n je seštevek obsegov vzorcev n1 , n2 , n3 , ...
nL for each of the strata : n1 þ n2 þ n3 þ ...
nL za vsak posamezni stratum : n1 þ n2 þ n3 þ ...
This implies that at least two reporting agents are selected from each stratum .
To pomeni , da se iz vsakega stratuma izbereta vsaj dve poročevalski enoti .
MFI interest rate statistics shall be based on a selection without replacement , i.e. each credit institution and other institution in the potential reporting population shall only be selected once . ( 1 ) OJ L 333 , 17.12.2001 , p. 1 .
Statistika obrestnih mer MFI temelji na izbiri brez nadomestitve , t.j. vsaka kreditna institucija in druga institucija v potencialni poročevalski populaciji se izbere samo enkrat .
2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 9 ▼M2 20 .
▼M2 20 .
This procedure is without prejudice to the obligation of credit or other institutions to which branches belong to be reporting agents .
Ta postopek ne posega v obveznost kreditnih ali drugih institucij , v katerih lasti so podružnice , da so poročevalske enote .
▼B PART 2 Maintenance of the sample of the actual reporting population VI .
2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 9 ▼B DEL 2 Vzdrževanje vzorca dejanske poročevalske populacije VI .
NCBs that choose the sampling approach shall ensure that the sample remains representative over time .
NCB , ki izberejo način z vzorčenjem , zagotovijo , da vzorec s časom ohrani reprezentativnost .
Over time , the sample shall be adjusted to take account of joiners to the potential reporting population in order to remain representative of the potential reporting population .
Vzorec se s časom prilagodi tako , da upošteva pristopne institucije k potencialni poročevalski populaciji in tako ostane reprezentativen za potencialno poročevalsko populacijo .
The complementary selection of joining institutions nb among the total number of joiners Nb shall be referred to as incremental sampling over time .
Dopolnilna izbira pristopajočih institucij nb izmed skupnega števila pristopnih institucij Nb se omenja kot dopolnilno prirastno vzorčenje .
Over time , the sample shall be adjusted to take account of leavers from the potential and the actual reporting population .
Vzorec se s časom prilagodi tako , da upošteva izstopne institucije iz potencialne in dejanske poročevalske populacije .
Over time , the sample shall be adjusted to take account of changes in the characteristics of the reporting agents .
Vzorec se s časom prilagodi tako , da upošteva spremembe v značilnostih zavezancev za poročanje .
These changes can occur because of mergers , divisions , growth of the institution etc. Some reporting agents might change stratum .
Do teh sprememb lahko prihaja zaradi združitev , delitev , rasti institucij itd . Nekatere poročevalske enote lahko zamenjajo stratum .
PART 3 Further sampling issues VII .
DEL 3 Nadaljnji vidiki vzorčenja VII .
In order to achieve consistency between MFI interest rate statistics on outstanding amounts referring to deposits and referring to loans and on 2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 10 ▼B new business referring to deposits and referring to loans , NCBs that choose the sampling approach shall use the same reporting agents for collecting these sets of statistics .
Zaradi doseganja skladnosti med statistiko obrestnih mer MFI za stanje zadolženosti iz naslova vlog in posojil in za nove posle iz naslova vlog in posojil NCB , ki izberejo način z vzorčenjem , pri zbiranju teh statističnih sklopov uporabijo iste poročevalske enote .
If a new product is created , the institutions in the sample shall cover it with the next report , as all reporting agents are required to report on all their products .
Če se oblikuje nov produkt , ga institucije v vzorcu obravnavajo v naslednjem poročilu , ker morajo vse poročevalske enote poročati o vseh svojih produktih .
2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 11 ▼B ANNEX II REPORTING SCHEME FOR MONETARY FINANCIAL INSTITUTION INTEREST RATE STATISTICS PART 1 Type of rate I. Annualised agreed rate General principle 1 .
2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 10 ▼B PRILOGA II SISTEM POROČANJA ZA STATISTIKO OBRESTNIH MONETARNIH FINANČNIH INSTITUCIJ DEL 1 Vrste obrestnih mer I. Dogovorjena letna obrestna mera Splošno načelo 1 .
If interest payments agreed between the reporting agent and the household or non-financial corporation are capitalised at regular intervals within a year , for example per month or quarter rather than per annum , the agreed rate shall be annualised by means of the following formula to derive the annualised agreed rate :
Če se plačila obresti , dogovorjena med poročevalsko enoto in gospodinjstvom ali nefinančno družbo , kapitalizira v rednih časovnih presledkih med letom , na primer , mesečno ali četrtletno namesto letno , se dogovorjena obrestna mera preračuna na letno osnovo na podlagi naslednjega obrazca in tako dobi dogovorjena letna obrestna mera : MER
with : x rag as the annualised agreed rate , as the interest rate per annum that is agreed between the reporting agents and the household or non-financial corporation for a deposit or loan where the dates of the interest capitalisation of the deposit and all the payments and repayments of the loan are at regular intervals within the year , and
z : x rag kot dogovorjeno letno obrestno mero , kot letno obrestno mero , ki je dogovorjena med poročevalsko enoto in gospodinjstvom ali nefinančno družbo za vlogo ali posojilo , kadar so datumi kapitalizacije obresti za vlogo in vsa plačila in vračila posojila v rednih časovnih presledkih med letom ;
as the number of interest capitalisation periods for the deposit and ( re ) payment periods for the loan per year , i.e. 1 for yearly payments , 2 for semi-annual payments , 4 for quarterly payments and 12 for monthly payments .
in kot število obdobij kapitalizacije obresti za vlogo in obdobij plačila oziroma vračila posojila na leto , t.j. 1 za letna plačila , 2 za polletna plačila , 4 za četrtletna plačila in 12 za mesečna plačila .
The NDER shall be defined as the interest rate , on an annual basis , that equalises the present value of all commitments other than charges ( deposits or loans , payments or repayments , interest payments ) , future or existing , agreed by the reporting agents and the household or nonfinancial corporation .
NDEM se določi kot obrestna mera na letni osnovi , ki izravnava sedanjo vrednost vseh obveznosti razen stroškov ( vlog ali posojil , plačil ali vračil , plačil obresti ) , prihodnjih ali obstoječih , ki so dogovorjene med poročevalskimi enotami in gospodinjstvom ali nefinančno družbo .
The only difference between the NDER and the annualised agreed rate shall be the underlying method for annualising interest payments . The NDER uses successive approximation and can therefore be applied to any type of deposit or loan , whereas the annualised agreed rate uses the algebraic formula defined in paragraph 2 and is therefore only applicable to deposit and loan with regular capitalisation of interest payments .
NDEM uporablja postopno približevanje in se zato lahko uporablja za katero koli vrsto vloge ali posojila , medtem ko dogovorjena letna obrestna mera uporablja algebraični obrazec iz odstavka 2 in se potemtakem uporablja samo za vloge in posojila z redno kapitalizacijo obresti . Vsi drugi pogoji so enaki , kar pomeni , kadar se v nadaljevanju omenja dogovorjena letna obrestna mera , tako velja za NDEM .
All other requirements shall be identical , which implies that where it is hereinafter referred to as the annualised agreed rate , it shall also apply to the NDER .
Obravnavanje davkov , subvencij in ureditvenih sporazumov 4 . Plačila obresti , zajeta z dogovorjeno letno obrestno mero , odražajo zneske , ki jih poročevalska enota plača za vloge in prejme za posojila .
( 1 ) OJ L 42 , 12.2.1987 , p. 48 .
Kadar se znesek , ( 1 ) UL L 42 , 12.2.1987 , str . 48 .
( 2 ) OJ L 101 , 1.4.1998 , p. 17 .
( 2 ) UL L 101 , 1.4.1998 , str .
2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 12 ▼B Treatment of taxes , subsidies and regulatory arrangements 4 .
2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 11 ▼B ki ga plača ena stranka , prejme pa druga , razlikuje , se na podlagi stališča poročevalske enote določi obrestna mera , ki je zajeta v statistiki obrestnih mer monetarne finančne institucije ( MFI ) .
Where the amount paid by one party and received by the other differs , the point of view of the reporting agent shall determine the interest rate covered by monetary financial institution ( MFI ) interest rate statistics . 5 .
Ob upoštevanju tega načela se obrestne mere evidentirajo na bruto osnovi pred plačilom davka , ker bruto obrestne mere pred davkom odražajo zneske , ki jih poročevalske enote plačajo za vloge in prejmejo za posojila .
Favourable rates that reporting agents apply to their employees shall be covered in MFI interest rate statistics .
Ugodne obrestne mere , ki jih poročevalske enote zaračunavajo svojim zaposlenim , se zajamejo v statistiki obrestnih mer MFI .
Annual percentage rate of charge 9 .
Letni odstotek obresti 9 .
PART 2 Business coverage 13 .
DEL 2 Poročanje o poslih 13 .
Outstanding amounts shall be defined as the stock of all deposits placed by households and non-financial corporations with the reporting agent and the stock of all loans granted by the reporting agent to households and nonfinancial corporations .
Stanje zadolženosti se opredeli kot zbir vseh vlog gospodinjstev in nefinančnih družb pri poročevalski enoti in kot zbir vseh posojil , ki jih je poročevalska enota odobrila gospodinjstvom in nefinančnim družbam .
2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 13 ▼B 15 . An interest rate on outstanding amounts shall reflect the weighted average interest rate level applied to the stock of deposits or loans in the relevant instrument category as at the time reference point as defined in paragraph 26 .
Obrestna mera za stanje zadolženosti odraža ponderirano povprečno obrestno mero , ki se uporablja za zbir vlog in posojil v ustrezni kategoriji instrumentov v referenčni časovni točki , kakor je določena v odstavku 26 . Nanaša se na vse odprte pogodbe , ki so bile dogovorjene v časovnih obdobjih pred datumom poročanja .
It shall cover all outstanding contracts that have been agreed in all the periods prior to the reporting date . 16 .
16 . Slaba posojila in posojila za prestrukturiranje dolga z obrestnimi merami , ki so pod tržnimi , se ne vključijo v ponderirane povprečne obrestne mere za stanje zadolženosti .
Bad loans and loans for debt restructuring at rates below market conditions shall not be included in the weighted average interest rates on outstanding amounts .
Slaba posojila in posojila za prestrukturiranje dolga se opredelijo v skladu z nacionalno prakso , ki pa se med sodelujočimi državami članicami lahko razlikuje .
Bad loans and loans for debt restructuring shall be defined according to national practice , which may differ across participating Member States .
( 1 ) NCB lahko odobrijo odstopanje za potrošniška posojila in posojila gospodinjstvom za nakup stanovanj pri neprofitnih institucijah , ki opravljajo storitve za gospodinjstva .
V. New business on overnight deposits , deposits redeemable at notice and bank overdrafts 17 .
2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 12 ▼B V. Novi posli glede vlog čez noč , vlog na odpoklic z odpovednim rokom in prekoračitev stanj na računih 17 .
The following paragraphs 21 to 25 refer to all instrument categories other than overnight deposits , deposits redeemable at notice and bank overdrafts , i.e. for deposits with agreed maturity , repos and all loans other than bank overdrafts as defined in paragraphs 42 and 45 to 48 .
Naslednji odstavki od 21 do 25 se nanašajo na vse kategorije instrumentov razen vlog čez noč , vlog na odpoklic z odpovednim rokom in prekoračitev stanj na računih , t.j. za vloge z dogovorjeno zapadlostjo , pogodbe o ponovnem odkupu in vsa posojila razen prekoračitev stanj na računih , kakor je določeno v odstavkih 42 in 45 do 48 .
The new business rate shall reflect the weighted average interest rate level applied to the deposits and loans in the relevant instrument category in respect of new agreements made between households or non-financial corporations and the reporting agent during the time reference period as defined in paragraph 32 .
Obrestna mera za nove posle odraža ponderirano povprečno obrestno mero , ki se uporablja za vloge in posojila v ustrezni kategoriji instrumentov glede novih dogovorov , sklenjenih med gospodinjstvi in nefinančnimi družbami ter poročevalskimi enotami med referenčnim časovnim obdobjem , kakor je določen v odstavku 32 .
A change from fixed to floating interest rates or vice versa ( at time t1 ) during the course of the contract , which has been agreed at the start of the contract ( time t0 ) , is not a new agreement but part of the terms and 2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 14 ▼B conditions of the loan laid down at time t0 .
Sprememba od fiksne obrestne mere k variabilni ali obratno ( v času t1 ) med trajanjem pogodbe , ki je bila dogovorjena na začetku izvajanja pogodbe ( čas t0 ) , ne pomeni novega dogovora , temveč je del posojilnih pogojev , določenih v času t0 .
It shall therefore not be considered as new business .
Zato se ne šteje za nov posel .
PART 3 Time reference point VII .
2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 13 ▼B DEL 3 Referenčna časovna točka VII .
Interest rates on outstanding amounts as a snapshot of end-month observations shall be calculated as weighted averages of the interest rates applied to the stock of deposits and loans at a certain point in time on the last day of the month .
Obrestne mere za stanje zadolženosti kot posnetek opažanj ob koncu meseca se izračunajo kot ponderirana povprečja obrestnih mer , ki se uporabljajo za zbir vlog in posojil v določeni časovni točki na zadnji dan v mesecu .
At that point in time , the reporting agent shall collect the interest rates and the amounts involved for all outstanding deposits and loans vis-àvis households and non-financial corporations and compile a weighted average interest rate for each instrument category .
V tej časovni točki poročevalska enota zbere obrestne mere in z njimi povezane zneske za vse neporavnane vloge in posojila v razmerju do gospodinjstev in nefinančnih družb ter določi ponderirano povprečno obrestno mero za vsako kategorijo instrumentov .
In contrast to monthly averages , MFI interest rates on outstanding amounts compiled as end-month observations shall only cover those contracts that are still outstanding at the time of data collection .
Nasprotno mesečnim povprečjem se obrestne mere MFI za stanje zadolženosti , ki se določijo na podlagi opažanj ob koncu meseca , nanašajo samo na pogodbe , ki so v času zbiranja podatkov še vedno odprte .
Interest rates on outstanding amounts as implicit rates referring to the average of the month shall be calculated as quotients , with the numerator as the accumulated flow of interest during the reference month , i.e. the accrued interest payable on deposits and receivable on loans , and the denominator as the average month stock .
Obrestne mere za stanje zadolženosti kot implicitne obrestne mere , ki se nanašajo na mesečno povprečje , se izračunajo kot količnik z akumuliranim tokom obresti v referenčnem mesecu , t.j. natečene obresti , ki zapadejo v plačilo za vloge in v vračilo za posojila , v števcu in s povprečnim mesečnim zbirom vlog in posojil v imenovalcu .
In contrast to endmonth observations , the MFI interest rates on outstanding amounts compiled as monthly averages shall also include contracts that were outstanding at some time during the month , but are no longer outstanding at the end of the month .
Nasprotno opažanjem ob koncu meseca obrestne mere MFI za stanje zadolženosti , ki so določene kot mesečna povprečja , prav tako vsebujejo pogodbe , ki so bile odprte v določeni časovni točki v teku meseca , vendar ob koncu meseca niso več odprte .
For a transitional period of not more than two years , for loans with agreed maturity over five years , the endmonth observations shall be accepted .
Za prehodno obdobje , ki ni daljše od dveh let , se za posojila z dogovorjenim rokom zapadlosti nad pet let sprejmejo opažanja ob koncu meseca .
Analogous to the rates on outstanding amounts contained in Appendix 1 , the interest rates on overnight deposits , deposits redeemable at notice and bank overdrafts shall be compiled as either of the following : ( a ) a snapshot of end-month observations shall be calculated , i.e. weighted averages of the interest rates applied to the stock of these deposits and loans at a certain point in time on the last day of the month . At that
Podobno kot obrestne mere za stanje zadolženosti iz Dodatka 1 so tudi obrestne mere za vloge čez noč , vloge na odpoklic z odpovednim rokom in prekoračitve stanj na računih sestavljene iz enega naslednjih elementov : ( a ) izračuna se posnetek opažanj ob koncu meseca , t.j. ponderirana povprečja obrestnih mer , ki se uporabljajo za zbir vlog in posojil v določeni časovni točki na zadnji dan v mesecu .
2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 15 ▼B point in time , the reporting agent shall collect the interest rates and the amounts involved for all overnight deposits , deposits redeemable at notice and bank overdrafts vis-à-vis households and non-financial corporations , and compile a weighted average interest rate for each instrument category .
V tej časovni točki poročevalska enota zbere obrestne mere in z njimi povezane zneske za vse vloge čez noč , vloge na odpoklic z odpovednim rokom in prekoračitve stanj na računih za gospodinjstva in nefinančne družbe ter določi ponderirano povprečno obrestno mero za vsako kategorijo instrumentov .
or ( b ) implicit rates referring to the average of the month shall be calculated , i. e. quotients , with the numerator as the accumulated flow of interest during the month , i.e. the accrued interest payable on deposits and receivable on loans , and the denominator as the average of daily stocks .
ali ( b ) izračunajo se implicitne obrestne mere , ki se nanašajo na mesečno povprečje , t.j. količniki z akumuliranim tokom obresti med mesecem , t.j. natečene obresti , ki zapadejo v plačilo za vloge in v vračilo za posojila , v števcu in s povprečnim dnevnim zbirom v imenovalcu .
In contrast to end-month observations , the MFI interest rates on outstanding amounts compiled as monthly averages shall also include contracts that were outstanding at some time during the month , but are no longer outstanding at the end of the month .
2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 14 ▼B Nasprotno opažanjem ob koncu meseca obrestne mere MFI za stanje zadolženosti , ki so določene kot mesečna povprečja , prav tako vsebujejo pogodbe , ki so bile odprte v določeni časovni točki v teku meseca , vendar ob koncu meseca niso več odprte .
Reporting agents shall take into account the new business operations conducted during the entire month .
Poročevalske enote upoštevajo nove posle v celotnem mesecu .
PART 4 Instrument categories X. General provisions 34 .
DEL 4 Kategorije instrumentov X. Splošne določbe 34 .
However , since the compilation method and the time reference point for the rates on overnight deposits , deposits redeemable at notice and bank overdrafts shall be the same as for the other indicators on 2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 16 ▼B outstanding amounts , indicators 1 , 5 , 6 , 7 , 12 and 23 of Appendix 2 are repeated in Appendix 1 .
Vendar , ker sta postopek določanja in referenčna časovna točka za obrestne mere za vloge čez noč , vloge na odpoklic z odpovednim rokom in prekoračitve stanj na računih enaka za vse druge kazalnike stanja zadolženosti , se kazalniki 1 , 5 , 6 , 7 12 in 23 iz Dodatka 2 ponavljajo v Dodatku 1 .
For each instrument category defined in Appendices 1 and 2 , and applied in the banking business of resident credit institutions and other institutions with households and non-financial corporations resident in the participating Member States , the MFI interest rate statistics shall be compiled based on all interest rates applied to all the products that fit this instrument category .
Za vsako kategorijo instrumentov , določeno v Dodatkih 1 in 2 , ki se uporablja v bančnem poslovanju rezidenčnih kreditnih institucij in drugih institucij z gospodinjstvi in nefinančnimi družbami s sedežem v sodelujoči državi članici , se statistika obrestnih mer MFI pripravlja na podlagi vseh obrestnih mer , uporabljenih za vse produkte , ki ustrezajo tej kategoriji instrumentov .
This shall imply that NCBs may not define a set of national products within each instrument category on which MFI interest rate statistics shall be collected ;
To pomeni , da NCB ne smejo določiti sklopa nacionalnih produktov 2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 15 ▼B v okviru posamezne kategorije instrumentov , za katere se zbira statistika obrestnih mer MFI ;
The exception to the principle of covering all interest rates applied to all products are interest rates on bad loans and loans for debt restructuring .
Izjema od načela obravnavanja vseh obrestnih mer , ki veljajo za vse produkte , so obrestne mere za slaba posojila in posojila za prestrukturiranje dolgov .
Indicator 5 in Appendix 1 and indicator 11 in Appendix 2 refer to repos .
Kazalnik 5 v Dodatku 1 in kazalnik 11 v Dodatku 2 se nanašata na pogodbe o ponovnem odkupu .
The interest rate and the weight for deposits redeemable at ( 1 ) S. 14 and S. 15 combined , as defined in the European System of Accounts ( ESA ) 1995 , contained in Annex A of the Council Regulation ( EC ) No 2223/96 of 25 June 1996 on the European system of national and regional accounts in the Community ( OJ L 310 , 30.11.1996 , p. 1 ) .
Vendar se obrestna mera in ponder za vloge na odpoklic z odpovednim rokom nanašata tako na vloge na odpoklic z odpovednim rokom gospodinjstev kot tudi nefinančnih družb , t.j. oba sektorja se združita in dodelita gospodinjstvom .
2001R0018 --- EN --- 28.04.2009 --- 002.001 --- 17 ▼B notice shall , however , at the level of all participating Member States refer to both deposits redeemable at notice held by households and by non-financial corporations , i.e. both sectors shall be merged but allocated to households .
Na ravni vseh sodelujočih držav članic ni potrebna nikakršna razčlenitev po sektorjih .
Unless otherwise stated in the following paragraphs , the instrument breakdown for MFI interest rates and the definitions of the types of instruments shall follow the asset and liability categories as set out in Annex I to Regulation ( EC ) No 2423/2001 ( ECB / 2001/13 ) .
Razen če je drugače navedeno v naslednjih odstavkih , razčlenitev instrumentov za obrestne mere MFI in opredelitve vrst instrumentov sledijo kategorijam sredstev in obveznosti , kakor so določene v Prilogi I k Uredbi ( ES ) št . 2423/2001 ( ECB / 2001/13 ) .
The interest rate on bank overdrafts shall refer to the rate charged when an overnight deposit becomes negative , i.e. the overnight deposit and the bank overdraft are linked to the same account .
2001R0018 --- SL --- 28.04.2009 --- 002.001 --- 16 ▼B obrestno mero , ki se zaračunava takrat , kadar stanje vloge čez noč postane negativno , t.j. kadar sta vloga čez noč in prekoračitev stanja na računu povezani z istim računom .