natgillin/translations-raw huggingface dataset:
As a convention , such fidelity or growth premiums , which are not certain for the household or non-financial corporation at the time the deposit is placed , shall not be included in the annualised agreed rate on new business .
Takšne premije za zvestobo ali povečanje , ki za gospodinjstvo ali nefinančno družbo v času vplačila vloge niso gotove , se praviloma ne vključijo v dogovorjeno letno obrestno mero za nove posle .
The annualised agreed rate on outstanding amounts shall always cover the rates applied by the reporting agent at the time of calculation of MFI interest rates .
Dogovorjena letna obrestna mera za stanje zadolženosti vedno vključuje obrestne mere , ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI .
Hence , in case such a fidelity or growth premium is granted by the reporting agent , this shall be reflected in the statistics on outstanding amounts .
Zato se , v primeru , da poročevalska enota odobri premijo za zvestobo ali povečanje , ta premija prikaže v statistiki stanja zadolženosti .
78 . Loans may be offered to households or non-financial corporations with associated derivative contracts , i.e. an interest rate swap / cap / floor etc. As a convention , such associated derivative contracts shall not be included in the annualised agreed rate on new business .
Gospodinjstvom ali nefinančnim družbam se lahko ponudijo posojila skupaj s pogodbami o izvedenih finančnih instrumentih , t.j. poslih obrestne zamenjave , zgornji / spodnji omejitvi obresti itd . Takšne pogodbe o izvedenih finančnih instrumentih se praviloma ne vključijo v dogovorjeno letno obrestno mero za nove posle .
The annualised agreed rate on outstanding amounts shall always cover the rates applied by the reporting agent at the time of the calculation of MFI interest rates .
Dogovorjena letna obrestna mera za stanje zadolženosti vedno vključuje obrestne mere , ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI .
Hence , in the case that such a derivative contract is exercised and the reporting agent adjusts the interest rate charged to the household or non-financial corporation , this shall be reflected in the statistics on outstanding amounts . L 10/40
Zato se v primeru uveljavitve omenjene pogodbe o izvedenih finančnih instrumentih in če poročevalska enota prilagodi obrestno mero , zaračunano gospodinjstvom ali nefinančnim družbam , to odraža v statistiki stanja zadolženosti .
Deposits may be offered comprising two components : a deposit with agreed maturity to which a fixed interest rate is being applied and an embedded derivative with a return that is linked to the performance of a defined stock exchange index or a bilateral exchange rate , subject to a minimum guaranteed return of 0 %.
Uradni list Evropske unije Lahko se ponudijo vloge , ki obsegajo dva elementa : vloga z dogovorjeno zapadlostjo , za katerega se uporablja fiksna obrestna mera , in vgrajeni izvedeni finančni instrument z donosom , ki je povezan z učinkom določenega borznega indeksa ali dvostranskega menjalnega tečaja , za katerega velja zajamčena minimalna stopnja donosa v višini 0 %.
The maturity of both components may be the same or may differ .
Oba elementa imata lahko enako ali različno zapadlost .
The annualised agreed rate on new business shall capture the interest rate for the deposit with agreed maturity , as it reflects the agreement between the depositor and the reporting agent and it is known when the money is being placed .
Dogovorjena letna obrestna mera za nove posle zajema obrestno mero za vloge z dogovorjeno zapadlostjo , ker odraža dogovor med deponentom in poročevalsko enoto in je znana ob vplačilu denarja .
The return on the other component of the deposit linked to the performance of a stock exchange index or a bilateral exchange rate is only known ex post when the product matures and therefore cannot be covered by the new business rate .
Donos drugega elementa vloge , ki je povezan z učinkom borznega indeksa ali dvostranskega menjalnega tečaja , je znan samo ex post ob zapadlosti produkta in zanj zato ne more veljati obrestna mera za nove posle .
Hence , only the guaranteed minimum return of 0 % should be captured .
Zato je treba zajeti samo zajamčeno minimalno stopnjo donosa v višini 0 %.
The annualised agreed rate on outstanding amounts shall always cover the interest rate applied by the reporting agent at the time of the calculation of MFI interest rates .
Dogovorjena letna obrestna mera za stanje zadolženosti vedno vključuje obrestne mere , ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI .
Until the day of maturity , the rate on the deposit with agreed maturity shall be captured as well as the guaranteed minimum return on the deposit containing the embedded derivative .
Do dneva zapadlosti se zajema obrestna mera za vlogo z dogovorjeno zapadlostjo kakor tudi zajamčena minimalna stopnja donosa za vloge , ki vsebujejo vgrajeni izvedeni finančni instrument .
Only at maturity shall the MFI interest rates on outstanding amounts reflect the annualised interest rate that is paid by the reporting agent .
Obrestne mere MFI za stanje zadolženosti odražajo letno obrestno mero , ki jo plača poročevalska enota , šele ob zapadlosti .
80 . Deposits with a maturity of over two years as defined in Part 3 of Annex I to Regulation ( EC ) No 2423/2001 ( ECB / 2001/13 ) may contain pension savings accounts .
Vloge z zapadlostjo nad dvema letoma , kakor je določeno v Delu 3 , Priloge I k Uredbi ( ES ) št . 2423/2001 ( ECB / 2001/13 ) , lahko obsegajo račune pokojninskega varčevanja .
The main part of pension savings accounts is placed in securities and the interest rate on the accounts therefore depends on the yield of the underlying securities .
Glavni del računov pokojninskega varčevanja je naložen v vrednostne papirje , zato je obrestna mera za te račune odvisna od donosa osnovnih vrednostnih papirjev .
The remaining part of pension savings accounts is held in cash and the interest rate determined by the credit or other institution in the same way as for other deposits .
Preostali del računov pokojninskega varčevanja se vodi v gotovini , obrestno mero pa določata kreditna ali druga institucija enako kot za druge vloge .
At the time when the deposit is placed , the total return to the household from the pension savings account is not known and may also be negative .
Ob vplačilu vloge skupni donos računa pokojninskega varčevanja za gospodinjstvo ni znan in je lahko tudi negativen .
Also at the time the deposit is placed , there is no interest rate agreed between the household and the credit institution or other institution for the part invested in securities , only for the remaining deposit part .
Prav tako ob vplačilu vloge ne obstaja obrestna mera , dogovorjena med gospodinjstvom in kreditno institucijo ali drugo institucijo za del , ki je naložen v vrednostne papirje , ampak samo za preostali del vloge .
Hence , only the deposit part that is not invested in securities shall be covered by MFI interest rate statistics .
Zato statistika obrestnih mer MFI zajema samo depozitni del , ki ni naložen v vrednostne papirje .
The annualised agreed rate on new business that shall be reported is the rate agreed between the household and the reporting agent for the deposit part at the time the deposit is placed .
Dogovorjena letna obrestna mera za nove posle , ki jo je treba sporočiti , je obrestna mera , ki je dogovorjena med gospodinjstvom in poročevalsko enoto za depozitni del ob vplačilu vloge .
The annualised agreed rate on outstanding amounts shall be the rate applied by the reporting agent to the deposit part of the pension savings accounts at the time of calculation of the MFI interest rate . 81 .
Dogovorjena letna obrestna mera za stanje zadolženosti je obrestna mera , ki jo poročevalska enota uporablja za depozitni del računa pokojninskega varčevanja ob izračunu obrestne mere MFI .
Savings plans for housing loans are long-term low return saving schemes that , after a certain period of saving , give the household or non-financial corporation the right to a housing loan at a discounted rate .
Varčevalne sheme za stanovanjska posojila so dolgoročni programi z nizkimi donosi , ki po določenem obdobju varčevanja dajo gospodinjstvom ali nefinančnim družbam pravico do stanovanjskega posojila po znižani obrestni meri .
Following Part 3 of Annex I to Regulation ( EC ) No 2423/2001 ( ECB / 2001/13 ) , these savings plans shall be classified under deposits with agreed maturity over two years as long as they are used as a deposit .
V skladu z določbami Dela 3 , Priloge I k Uredbi ( ES ) št . 2423/2001 ( ECB / 2001/13 ) se te varčevalne sheme razvrstijo pod vloge z dogovorjeno zapadlostjo nad dvema letoma , vse dokler se uporabljajo kot vloge .
As soon as they are transformed into a loan , they shall be classified as loans to households for house purchases .
Brž ko se preoblikujejo v posojilo , se razvrstijo kot posojila gospodinjstvom za nakup stanovanj .
Reporting agents shall report as new deposit business the interest rate that is agreed at the time the initial deposit is placed .
Poročevalske enote sporočajo kot nove depozitne posle tiste obrestne mere , ki so bile dogovorjene ob vplačilu začetne vloge .
The corresponding amount of new business shall be the amount of money that has been placed .
Ustrezni znesek novih poslov je vplačani denarni znesek .
The increase of this amount on the deposit over time shall only be covered by the outstanding amounts .
Povečanje tega deponiranega zneska se sčasoma pokriva samo s stanjem zadolženosti .
At the time when the deposit is transformed into a loan , this new loan shall be recorded as new lending business .
Ob preoblikovanju vloge v posojilo se to novo posojilo evidentira kot nov posojilni posel .
The interest rate shall be the discounted rate that is being offered by the reporting agent .
Obrestna mera je diskonta obrestna mera , ki jo ponuja poročevalska enota .
The weight shall be the total amount of the loan that is being granted to the household or non-financial corporation .
Ponder predstavlja skupni znesek posojila , ki je odobren gospodinjstvu ali nefinančni družbi .
82 . In line with Part 3 of Annex I to Regulation ( EC ) No 2423/2001 ( ECB / 2001/13 ) the French regulated housing plan plan d' épargne-logement ( PEL ) is classified as deposits with an agreed maturity of over two years .
Skladno z določbami Dela 3 , Priloge I k Uredbi ( ES ) št . 2423/2001 ( ECB / 2001/13 ) , se francoska regulirana stanovanjska shema „plan d' épargne-logement » ( PEL ) razvrsti kot vloge z dogovorjeno zapadlostjo več kot dve leti .
The government regulates the conditions for these PELs and fixes the interest rate , which remains unchanged for the entire maturity of the deposit , i.e. each « generation » of PELs has the same interest rate attached to it .
Vlada ureja pogoje za omenjene PEL in določa obrestno mero , ki ostane ves čas zapadlosti vloge nespremenjena , t.j. vsaka „generacija » PEL se obrestuje z enako obrestno mero .
PELs are regulated long-term saving schemes that should be held for at least four years and the customer should deposit each year the minimal amount set by the Regulation into the PEL but is allowed to increase the payments at any time during the course of the scheme .
PEL so regulirane dolgoročne varčevalne sheme , ki naj bi trajale najmanj štiri leta , stranka pa naj bi vsako leto v PEL vplačevala minimalni znesek , ki ga določa uredba , vendar lahko vplačila kadar koli med trajanjem sheme poveča .
Reporting agents shall report as new business the initial deposit at the opening of a new PEL .
Poročevalske enote sporočajo kot nove posle začetnih vlog ob ustanovitvi novega PEL .
The amount of money that is initially placed on the PEL may be very low , which means that the weight attached to the new business rate will also be relatively low .
Denarni znesek , ki se v začetku vplača v okviru PEL , je lahko zelo nizek , kar pomeni , da bo ponder , uporabljen za obrestno mero za nove posle , prav tako relativno nizek .
This approach shall ensure that the new business rate always reflects the conditions for the current generation of PELs .
Ta način zagotavlja , da obrestna mera za nove posle vedno odraža pogoje obstoječe generacije PEL .
Changes in the interest rate applied to the new PELs shall be reflected in the new business rate .
Spremembe v obrestnih merah , uporabljenih za nove PEL , se odražajo v obrestnih merah za nove posle .
The reaction of consumers in terms of a portfolio shift from other long-term deposits to pre-existing PELs shall not be reflected in the new business rates but only in the rates on outstanding amounts .
Odziv potrošnikov v smislu preusmeritve portfelja z dolgoročnih vlog v že obstoječe PEL se ne odraža v obrestnih merah za nove posle , temveč v obrestnih merah za stanje zadolženosti .
At the end of the period of four years , the customer may either ask for a loan at a discounted rate or renew the contract .
Ob koncu štiriletnega obdobja lahko stranka bodisi zaprosi za posojilo po znižani obrestni meri bodisi obnovi pogodbo .
Since this renewal of the PEL is carried out automatically without any active involvement of the customer , and since the terms and conditions of the contract including the interest rate are not renegotiated , in line with paragraph 21 this renewal shall not be considered as new business .
Ker se ta obnovitev PEL opravi samodejno brez kakršnegakoli aktivnega vključevanja stranke in ker pogodbeni pogoji vključno z obrestnimi merami niso predmet ponovnega dogovarjanja , se skladno z odstavkom 21 ta obnovitev ne šteje za nov posel .
On renewing the contract , the customer is allowed to make additional deposits , provided that the outstanding amount does not exceed a defined ceiling and the contract does not exceed a defined maximum years of maturity .
Ob obnovitvi veljavnosti pogodbe sme stranka vplačati dodatne vloge pod pogojem , da stanje zadolženosti ne presega določene zgornje meje in da pogodba ne presega določenega največjega števila let zapadlosti .
If the ceiling or maximum maturity are reached , the contract is frozen .
V primeru doseganja zgornje meje ali najdaljše zapadlosti se pogodba blokira .
The household or non-financial corporation keeps the borrowing rights and is still granted interest following the conditions prevailing at the opening of the PEL as long as the money is left in the bank 's book .
Gospodinjstvo ali nefinančna družba obdržita pravice do najetja posojila in še vedno prejemata obresti v skladu s pogoji . ki veljajo ob odprtju PEL , vse dokler se denar vodi pri banki .
For PELs the government grants a subsidy in terms of an interest payment on top of the interest rate offered by the credit or other institution .
Za PEL vlada podeljuje subvencijo v smislu plačila obresti poleg obrestne mere , ki jo ponuja kreditna ali druga institucija .
In line with paragraph 6 , only that part of the interest payment offered by the credit or other institution shall be captured in MFI interest rate statistics .
V skladu z odstavkom 6 se v statistiki obrestnih mer MFI zajame samo tisti del plačil obresti , ki jih ponuja kreditna ali druga institucija .
The government subsidy , which is paid through but not by the credit or other institution , shall be ignored . 12.1.2002
Vladna subvencija , ki se plačuje prek kreditne ali druge institucije , a ne s strani le-te , se ne upošteva . 437
L 10/41 Appendix 1 Instrument categories for rates on outstanding amounts An annualised agreed rate ( AAR ) ( 1 ) shall be compiled for each of the following instrument categories ( 2 ) ( 3 ) .
Dodatek 1 Kategorije instrumentov za obrestne mere za stanje zadolženosti Dogovorjena letna obrestna mera ( DLOM ) ( 1 ) se določi za vsako od naslednjih kategorij instrumentov ( 2 ) ( 3 ) .
In the case of a snap-shot of end-month observations , reporting agents shall provide for each indicator a weighted average interest rate , whereas in the case of implicit rates referring to monthly averages , reporting agents shall provide for each indicator the accrued interest and the average stock of deposits and loans applying the definitions and rules as laid down in this Regulation .
V primeru posnetka opažanj ob koncu meseca poročevalske enote zagotovijo za vsak kazalnik ponderirano povprečno obrestno mero , medtem ko v primeru implicitnih obrestnih mer , ki se nanašajo na mesečna povprečja , poročevalske enote zagotovijo za vsak kazalnik natečene obresti in povprečni zbir vlog in posojil ob uporabi opredelitev in pravil , kakor so določena s to uredbo .
Outstanding amount indicator number Reporting obligation
Število kazalnika stanja zadolženosti
Deposits in EUR
Obveznost poročanja Vloge v EUR
To households (*)
Gospodinjstva (*)
Up to 2 years Over 2 years
Do dveh let Nad dve leti
AAR AAR AAR AAR AAR AAR AAR AAR AAR AAR AAR AAR AAR AAR
DLOM DLOM DLOM DLOM DLOM DLOM DLOM DLOM DLOM DLOM DLOM DLOM DLOM DLOM
To non-financial corporations
Nefinančne družbe
Repos Loans in EUR To households (*) For house purchases Up to 1 year Over 1 and up to 5 years Over 5 years Consumer credit and other loans Up to 1 year Over 1 and up to 5 years Over 5 years To non-financial corporations Up to 1 year Over 1 and up to 5 years Over 5 years (*) Including non-profit institutions serving households .
Pogodbe o ponovnem odkupu Posojila v EUR Gospodinjstvom ( ) * Za nakup stanovanj
For the following instrument categories included in Appendix 2 , the concept of new business shall be extended to the whole stock , i.e. to outstanding amounts ( 2 ) ( 3 ) , and an annualised agreed rate ( AAR ) ( 1 ) shall be compiled .
Za naslednje kategorije instrumentov , ki so vključene v Dodatek 2 , se pojem novega posla razširi na celotni zbir , t.j. na stanje zadolženosti ( 4 ) ( 5 ) in se določi dogovorjena letna obrestna mera ( DLOM ) ( 6 ) .
In addition , all reporting agents shall provide for indicators 12 and 23 the outstanding amount at the end of the month .
Poleg tega poročevalske enote zagotovijo kazalnike od 12 do 23 za stanje zadolženosti ob koncu meseca .
Sector Type of instrument Period of notice New business indicator number Reporting obligation
Vrsta instrumenta Odpovedni rok
Overnight Redeemable at notice (**) Up to 3 months notice Over 3 months notice
Čez noč Na odpoklic rokom (**) Čez noč
1 5 6 7 AAR AAR AAR AAR
Z odpovednim rokom do treh mesecev Nad tri mesece 1 5 6 7
Overnight ( 1 ) Or narrowly defined effective rate ( NDER ) .
(**) Za to kategorijo instrumentov se gospodinjstva in nefinančne družbe združijo in dodelijo sektorju gospodinjstev , saj le-ta razpolaga z okoli 98 % stanja zadolženosti za vloge na odpoklic z odpovednim rokom skupaj v vseh sodelujočih državah članicah . ( 1 ) ( 2 ) ( 3 ) ( 4 )
( 2 ) In a participating Member State where one of the following instrument categories is not 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 instrument category shall be ignored .
Ali ozko opredeljena efektivna obrestna mera ( NDEM ) . V sodelujoči državi članici , v kateri se ena od naslednjih kategorij instrumentov ne uporablja v bančnem poslovanju rezidenčnih kreditnih institucij in drugih institucij z gospodinjstvi in nefinančnimi družbami s sedežem v sodelujoči državi članici , se kategorija instrumentov ne upošteva .
( 3 ) In the following table « up to » shall mean « up to and including » . L 10/42
V spodnji tabeli „do » pomeni „do vključno » .
Official Journal of the European Communities New business indicator number 12.1.2002
V sodelujoči državi članici , v kateri se ena od naslednjih kategorij instrumentov ne uporablja v bančnem poslovanju rezidenčnih kreditnih institucij in drugih institucij z gospodinjstvi in nefinančnimi družbami s sedežem v sodelujoči državi članici EMU , se kategorija instrumentov ne upošteva .
Period of notice
Odpovedni rok
To households (*) To non-financial corporations Bank overdraft Bank overdraft
Gospodinjstvom (*) Nefinančnim družbam
12 23 AAR , amount AAR , amount
Prekoračitev stanja na računu Prekoračitev stanja na računu 12 23
(*) Including non-profit institutions serving households . (**) For this instrument category , households and non-financial corporations shall be merged and allocated to the household sector , since it owns about 98 % of the outstanding amount of deposits redeemable at notice in all participating Member States combined .
DLOM , znesek DLOM , znesek (*) Vključno z neprofitnimi institucijami , ki opravljajo storitve za gospodinjstva .
L 10/43 Appendix 2 Instrument categories for interest rates on new business An annualised agreed rate ( AAR ) ( 1 ) shall be compiled for the following instrument categories ( 2 ) ( 3 ) .
Dodatek 2 Kategorije instrumentov za obrestne mere za nove posle Dogovorjena letna obrestna mera ( DLOM ) ( 1 ) se določi za vsako od naslednjih kategorij instrumentov ( 2 ) ( 3 ) .
If interest rates on overnight deposits , deposits redeemable at notice and bank overdrafts , i.e. indicators 1 , 5 , 6 , 7 , 12 and 23 , are compiled as : --- a snapshot of end-month observations , then for each of the indicators 1 to 29 reporting agents shall provide a weighted average interest rate , and in addition for indicators 2 to 4 , 8 to 11 , 13 to 22 and 24 to 29 also the amount of new business conducted during the month applying the definitions and rules as laid down in this Regulation , --- implicit rates referring to monthly averages , then for each of the indicators 2 to 4 , 8 to 11 , 13 to 22 and 24 to 31 , reporting agents shall provide a weighted average interest rate and in addition the amount of new business conducted during the month , whereas for indicators 1 , 5 , 6 , 7 , 12 and 23 they shall report the accrued interest and the stock of deposits and loans applying the definitions and rules as laid down in this Regulation .
Če so obrestne mere za vloge čez noč , vloge na odpoklic z odpovednim rokom in prekoračitve stanj na računih , t.j. kazalniki 1 , 5 , 6 , 7 , 12 in 23 , določene kot : --- posnetek opažanj ob koncu meseca , potem za vsak kazalnik od 1 do 29 poročevalske enote zagotovijo ponderirano povprečno obrestno mero , za kazalnike od 2 do 4 , 8 do 11 , 13 do 22 in 24 do 29 pa tudi znesek novih poslov , opravljenih v mesecu , ob uporabi opredelitev in pravil , kakor so določena s to uredbo , --- implicitne obrestne mere , ki se nanašajo na mesečna povprečja , potem za vsakega od kazalnikov od 2 do 4 , 8 do 11 , 13 do 22 in 24 do 31 poročevalske enote zagotovijo ponderirano povprečno obrestno mero in poleg tega znesek novih poslov , opravljenih v mesecu , medtem ko za kazalnike 1 , 5 , 6 , 7 , 12 in 23 sporočijo natečene obresti in zbir vlog in posojil ob uporabi opredelitev in pravil , kakor so določena s to uredbo .
All reporting agents shall provide for bank overdrafts , i.e. indicators 12 and 23 , the outstanding amount at the end of the month . New business indicator number
Vse poročevalske enote zagotovijo za prekoračitve stanj na računih , t.j. kazalnike 12 in 23 , podatke o stanju zadolženosti ob koncu meseca .
Sector
( 1 ) ( 2 ) Ali natančno določena efektivna obrestna mera ( NDEM ) .
Type of instrument Original maturity , period of notice , initial rate fixation
V sodelujoči državi članici , kjer se ena od naslednjih kategorij instrumentov ne uporablja v bančnem poslovanju rezidenčnih kreditnih in drugih institucijah z gospodinjstvi in nefinančnimi organizacijami v sodelujoči državi članici , se kategorija instrumentov ne upošteva .
Overnight (***) With agreed maturity Up to 1 year maturity Over 1 and up to 2 years maturity Over 2 years maturity Redeemable at notice (**) (***) Up to 3 months notice Over 3 months maturity
Čez noč (***) Z dogovorjeno zapadlostjo Zapadlost do enega leta Zapadlost nad enim letom in do dveh let Zapadlost nad dvema letoma Na odpoklic z odpovednim rokom (**) (***) Z odpovednim rokom do treh mesecev Zapadlost nad tri mesece