natgillin/translations-raw huggingface dataset:
The AAR on outstanding amounts that is covered from time t0 to t3 is the rate applied by the reporting agent at the time of calculation of the MFI interest rate , i.e. using the example of a deposit with an agreed maturity of four years 5 % at time t0 , 7 % at time t1 , 9 % at time t2 and 13 % at time t3 .
AAR za stanje zadolženosti ki je zajeta od časa t0 do t3je obrestna mera , ki jo poročevalska enota uporablja v času izračuna obrestne mere MFI , tjče uporabimo primer vezane vloge za štiri leta , 5 % v času , t0 7 % v času t1 , 9 % v času t2 in 13 % v času t3 .
For the purpose of MFI interest rate statistics , loans taken as part of « lines of credit » have the same meaning as defined in and are classified as in Regulation ( EC ) No 25/2009 ( ECB / 2008/32 ) .
Za namene statistike obrestnih mer MFI imajo posojila kot del « kreditnih linij » enak pomen , kakor je določen v Uredbi ( ES ) št . 25/2009 ( ECB / 2008/32 ) , in se po isti uredbi tudi razvrščajo .
Only outstanding amounts , i.e. amounts withdrawn and not yet repaid in the context of a credit line are covered as new business and reflected in the MFI interest rate statistics in accordance with paragraph 17 .
Samo stanja zadolženosti , tj . črpani in še neodplačani zneski znotraj kreditne linije , so zajeta v novih poslih in upoštevana v statistiki obrestnih mer MFI skladno z odstavkom 17 .
Amounts available through a line of credit that have not been withdrawn or have already been repaid are not considered , whether as new business or as outstanding amounts .
Zneski , ki so dostopni preko kreditnih linij , niso pa bili črpani ali so že bili odplačani , se ne upoštevajo , niti kot novi posli niti kot stanja zadolženosti .
An « umbrella contract » allows the customer to draw loans on several types of loan accounts up to a certain maximum amount applying to all loan accounts together .
« Krovna pogodba' pogodba » stranki dovoljuje črpanje posojil iz različnih vrst posojilnih računov do določenega najvišjega zneska , ki velja za vse posojilne račune skupaj .
At the time of the agreement on an umbrella contract , the form the loan will take and / or the date at which the loan will be drawn and / or the interest rate are not specified , but a range of possibilities may be agreed .
V času sklenitve krovne pogodbe oblika posojila in / ali datum črpanja posojila in / ali obrestna mera niso določeni , lahko pa se doseže dogovor o nizu možnosti .
Such an umbrella contract is not covered by MFI interest rate statistics .
Takšna krovna pogodba ni zajeta v statistiki obrestnih mer MFI .
However , as soon as a loan agreed under an umbrella contract is drawn , it is covered under the corresponding item in MFI interest rate statistics , both in new business and outstanding amounts .
Vendar pa se , takoj po črpanju posojila , dogovorjenega na podlagi krovne pogodbe , to posojilo zajame v ustrezni postavki statistike obrestnih mer MFI , in sicer med nove posle in med stanja zadolženosti .
Saving deposits with a basic interest rate plus a fidelity and / or growth premium may exist . At the time the deposit is placed , it is not certain whether or not the premium will be paid .
Obstajajo lahko hranilne vloge s temeljno obrestno mero , povečano za premijo za zvestobo in / ali za povečanjeV času vplačila vloge ni gotovo , ali bo premija izplačana ali ne .
The payment depends on the future unknown saving attitude of the household or non-financial corporation .
Izplačilo je odvisno od neznanega varčevalnega razpoloženja gospodinjstva ali nefinančne družbe v prihodnosti .
As a convention , such fidelity or growth premiums are not included in the AAR on new business .
Takšne premije za zvestobo ali za povečanje po dogovoru niso vključene v AAR za nove posle .
The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time of calculation of MFI interest rates .
AAR za stanje zadolženosti vedno vključuje obrestne mere , ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI .
Hence , if such a fidelity or growth premium is granted by the reporting agent , this is reflected in the statistics on outstanding amounts .
Zato se , če poročevalska enota odobri premijo za zvestobo ali za povečanje , ta premija prikaže v statistiki za stanje zadolženosti .
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 AAR on new business .
Gospodinjstvom ali nefinančnim družbam se lahko ponudijo posojila skupaj s pogodbami o izvedenih finančnih instrumentih ,, i.e. an interest rate swap / cap / floor etc. As a convention , such associated derivative contracts shall not be included in the AAR on new business .
The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time of the calculation of MFI interest rates .
AAR za stanje zadolženosti vedno vključuje obrestne mere , ki jih poročevalska enota uporablja v času izračuna obrestnih mer MFI .
Hence , if such a derivative contract is exercised and the reporting agent adjusts the interest rate charged to the household or non-financial corporation , this is reflected in the statistics on outstanding amounts .
Zato se , če se takšna pogodba o izvedenih finančnih instrumentih uveljavi in če poročevalska enota prilagodi obrestno mero , zaračunano gospodinjstvom ali nefinančnim družbam , to odraža v statistiki zastanje zadolženosti .
Deposits may be offered comprising two components : a deposit with an 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 %.
Lahko se ponudijo vloge , ki obsegajo dva elementa : vezana vloga , za katero se uporablja fiksna obrestna mera , in vgrajeni izvedeni finančni instrument z donosom , ki je povezan z uspešnostjo določenega borznega indeksa ali dvostranskega menjalnega tečaja , za katerega velja zajamčena minimalna stopnja donosa v višini 0 %.
The AAR on new business covers 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 placed .
AAR za nove posle zajema obrestno mero za vezane vloge , 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 uspešnostjo borznega indeksa ali dvostranskega menjalnega tečaja , je znan samo ex post ob zapadlosti produkta in zato ne more biti zajet v obrestno mero za nove posle .
Hence , only the guaranteed minimum return ( usually 0 %) is covered .
Zato se zajame samo zajamčena minimalna stopnja donosa ( običajno v višini 0 %) .
The AAR on outstanding amounts always covers the interest rate applied by the reporting agent at the time of the calculation of MFI interest rates .
AAR 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 is captured as well as the guaranteed minimum return on the deposit containing the embedded derivative .
Do dneva zapadlosti se zajame obrestna mera za vezano vlogo kakor tudi zajamčena minimalna stopnja donosa za vloge , ki vsebujejo vgrajeni izvedeni finančni instrument .
Only at maturity do the MFI interest rates on outstanding amounts reflect the AAR that is paid by the reporting agent .
Obrestne mere MFI za stanje zadolženosti odražajo AAR , ki jo plača poročevalska enota , šele ob zapadlosti .
Deposits with a maturity of over two years as defined in Part 2 of Annex II to Regulation ( EC ) No 25/2009 ( ECB / 2008/32 ) may contain pension savings accounts .
Vezane vloge nad dvema letoma , kakor so opredeljene v Delu 2 , Priloge II k Uredbi ( ES ) št . 25/2009 ( ECB / 2008/32 ) , lahko obsegajoračune pokojninskega varčevanja .
The main part of pension savings accounts may be placed in securities and the interest rate on the accounts then depends on the yield of the underlying securities .
Glavni del računov pokojninskega varčevanja je lahko naložen v vrednostne papirje , zato je obrestna mera za te račune odvisna od donosa osnovnih vrednostnih papirjev .
The remaining part of pension savings accounts may be held in cash and the interest rate determined by the credit or other institution in the same way as for other deposits . 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 .
Preostali del računov pokojninskega varčevanja se lahko vodi v gotovini , obrestno mero pa določata kreditna ali druga institucija na enak način kot za druge vloge . Ob vplačilu vloge skupni donos računa pokojninskega varčevanja za gospodinjstvo ni znan in je lahko tudi negativen .
In addition , at the time the deposit is placed , an interest rate is agreed between the household and the credit or other institution which applies only to the deposit part ; this does not apply to the part invested in securities .
Poleg tega se ob vplačilu vloge gospodinjstvo in kreditna ali druga institucija dogovorita o obrestni meri samo za depozitni del ; to ne velja za tisti del , ki je naložen v vrednostne papirje .
Hence , only the deposit part that is not invested in securities is covered by MFI interest rate statistics .
Zato statistika obrestnih mer MFI zajema samo depozitni del , ki ni naložen v vrednostne papirje .
The AAR on new business that is reported is the rate agreed between the household and the reporting agent for the deposit part at the time the deposit is placed .
AAR zanove posle ki se poroča , je obrestna mera , o kateri se dogovorita gospodinjstvo in poročevalska enota za depozitni del ob vplačilu vloge .
The AAR on outstanding amounts is 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 .
AAR za stanje zadolženosti je obrestna mera , ki jo poročevalska enota uporablja za depozitni del računa pokojninskega varčevanja v času izračuna obrestne mere MFI .
Saving plans for housing loans are long-term saving schemes that may provide a low return but , 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 varčevanja , ki imajo lahko nizke donose , a po določenem obdobju varčevanja dajo gospodinjstvom ali nefinančnim družbam pravico do stanovanjskega posojila po znižani obrestni meri .
Following Part 2 of Annex II to Regulation ( EC ) No 25/2009 ( ECB / 2008/32 ) , these savings plans are classified under deposits with agreed maturity over two years as long as they are used as a deposit .
V skladu z določbami Dela 2 , Priloge II k Uredbi ( ES ) št . 25/2009 ( ECB / 2008/32 ) se te varčevalne sheme razvrstijo med vezane vloge nad dvema letoma , vse dokler se uporabljajo kot vloge .
As soon as they are transformed into a loan , they are classified as loans to households for house purchases .
Brž ko se preoblikujejo v posojilo , se razvrstijo kot stanovanjska posojila gospodinjstvom .
Reporting agents report as new deposit business the interest rate that is agreed at the time the initial deposit is placed .
Poročevalske enote poročajo kot nove depozitne posle tiste obrestne mere , ki so bile dogovorjene ob vplačilu začetne vloge .
The corresponding amount of new business is 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 is only covered by the outstanding amounts .
Povečanje tega vplačanega zneska v času je zajeto samo sstanjem zadolženosti .
At the time when the deposit is transformed into a loan , this new loan is recorded as new lending business . The interest rate is the discounted rate that is being offered by the reporting agent .
Ob preoblikovanju vloge v posojilo se to novo posojilo evidentira kot nov posojilni posel . Obrestna mera je znižana obrestna mera , ki jo ponuja poročevalska enota .
The weight is 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 .
In line with Part 2 of Annex II to Regulation ( EC ) No 25/2009 ( ECB / 2008/32 ) , deposits placed according to the French regulated housing plan « plan d' épargne-logement » ( PEL ) are classified as deposits with an agreed maturity of over two years .
Skladno z določbami Dela 2 , Priloge II k Uredbi ( ES ) št . 25/2009 ( ECB / 2008/32 ) se vloge , vplačane v skladu s francosko regulirano stanovanjsko shemo « plan d' épargne-logement » ( PEL ) , razvrstijo kot vezane vloge nad dvema letoma .
The government regulates the conditions governing these PELs and fixes the interest rate , which remains unchanged over 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 , tj . vsaka « generacija » PEL se obrestuje z enako obrestno mero .
PELs are held for at least four years and each year the customer deposits a minimal pre-fixed amount but is allowed to increase the payments at any time during the course of the scheme .
PEL trajajo najmanj štiri leta in vsako leto stranka vplača minimalni vnaprej določeni znesek , vendar lahko ta vplačila kadar koli med trajanjem sheme poveča .
Reporting agents report as new business the initial deposit at the opening of a new PEL .
Poročevalske enote poročajo kot nove posle začetne vloge ob ustanovitvi nove PEL .
This approach ensures that the new business rate always reflects the conditions governing the current generation of PELs .
Ta pristop zagotavlja , da obrestna mera za nove posle vedno odraža pogoje , ki urejajo obstoječo generacijo PEL .
Changes in the interest rate applied to the new PELs are 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 is not reflected in the new business rates but only in the rates on outstanding amounts .
Odziv potrošnikov v smislu preusmeritve portfelja z drugih dolgoročnih vlog v že obstoječe PEL se ne odraža v obrestnih merah za nove posle , temveč samo v obrestnih merah za stanje zadolženosti .
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 is not considered as new business .
Ker se ta obnovitev PEL opravi samodejno brez kakršnega koli aktivnega sodelovanja stranke in ker pogodbeni pogoji vključno z obrestnimi merami niso predmet ponovnega pogajanja , 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 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 .
Če je zgornja meja ali najdaljša zapadlost dosežena , se pogodba zamrzne .
The household or non-financial corporation keeps the borrowing rights and is still granted interest following the conditions prevailing at the time of 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 so veljali ob času ustanovitve PEL , vse dokler se denar vodi pri banki .
The government grants a subsidy in terms of an interest payment on top of the interest rate offered by the credit or other institution .
Vlada podeljuje subvencijo v smislu plačila dodatnih 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 is 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 , is ignored .
Vladna subvencija , ki se plačuje preko kreditne ali druge institucije , a ne s strani le-te , se ne upošteva .
Appendix 1 Instrument categories for interest rates on outstanding amounts An AAR or NDER is reported on a monthly basis for each of the categories included in Table 1 .
Dodatek 1 Kategorije instrumentov za obrestne mere za stanje zadolženosti AAR ali NDER se poroča mesečno za vsako kategorijo iz tabele 1 .
Table 1 Sector Type of instrument Original maturity , period of Outstanding notice , initial period of interest amount rate fixation indicator Reporting obligation
Tabela 1 Sektor Vrsta instrumenta Prvotna zapadlost , odpovedni Kazal-nik rok , začetno obdobje določitve stanja zadolobrestne mere ženosti Obveznost poročanja
From households
Gospodinjstva :
Up to 2 years Over 2 years
Do dveh let Nad dvema letoma
From non-financial corporations Repos Loans in EUR To households With agreed maturity
Repo posli Posojila v EUR Gospodinjstvom Stanovanjska Do enega leta Od enega do petih let Nad petimi leti Potrošniška in druga posojila Do enega leta Od enega do petih let Nad petimi leti Nefinančnim družbam Do enega leta Od enega do petih let Nad petimi leti
Up to 1 year Over 1 and up to 5 years Over 5 years L 94/90
L 94/90 SL
Appendix 2 Instrument categories for interest rates on new business An AAR or NDER is reported on a monthly basis for the categories included in Tables 2 , 3 , 4 and 5 .
Dodatek 2 Kategorije instrumentov za obrestne mere za nove posle AAR ali NDER se poroča mesečno za kategorije iz tabel 2 , 3 , 4 in 5 .
The reporting of the AAR is accompanied by the related business amount if indicated in the tables by the word « amount » .
Poročanje AAR je dopolnjeno z ustreznim zneskom posla , če je tako označeno v tabelah z besedo „znesek » .
Categories within Tables 2 ( except indicators 33 to 35 ) , 3 and 5 are mutually exclusive within each table .
Kategorije v tabelah 2 ( razen kazalnikov od 33 do 35 ) , 3 in 5 se vzajemno izključujejo znotraj vsake tabele .
Therefore , a loan reported under any indicator in Table 2 ( except indicators 33 to 35 ) and / or in Table 3 and / or Table 5 is not reported again under any other indicator in the same table , except for loans reported in indicators 33 to 35 , which are also to be reported under indicators 20 to 22 .
Zato se posojilo , ki se poroča pod katerim koli kazalnikom v tabeli 2 ( razen pod kazalniki od 33 do 35 ) in / ali v tabeli 3 in / ali v tabeli 5 , ne poroča zopet pod drugimi kazalniki iz iste tabele , razen posojil , ki se poročajo pod kazalniki od 33 do 35 , ki se poročajo tudi pod kazalniki od 20 do 22 .
All loans reported under any category in Table 3 must also appear in the corresponding category of Table 2 .
Vsa posojila , ki se poročajo pod katero koli kategorijo v tabeli 3 , se morajo prikazati tudi v ustrezni kategoriji tabele 2 .
As for indicators in Table 4 , these are sub-indicators of Table 2 , and , if secured , of Table 3 ;
Kazalniki iz tabele 4 so podkazalniki tabele 2 in , če gre za zavarovana posojila , podkazalniki tabele 3 ;
therefore any loan reported under Table 4 must also appear in Table 2 or 3 as appropriate .
posojila , ki se poročajo v tabeli 4 , se morajo zato prikazati tudi v tabeli 2 oziroma 3 .
Table 5 refers only to APRC .
Tabela 5 se nanaša samo na APRC .
Loans recorded in Table 5 are also be recorded in Tables 2 , 3 and 4 as appropriate , taking into account the different methodology of APRC as contained in paragraph 9 .
Posojila , ki se evidentirajo v tabeli 5 , se poročajo tudi v tabelah 2 , 3 oziroma 4 , upoštevajoč različno metodologijo APRC , določeno v odstavku 9 . Pojem novih poslov se razširja na celotno stanje vlog in posojil , tj .
The concept of new business is extended to the whole stock , i.e. to outstanding amounts in the case of overnight deposit , deposits redeemable at notice , revolving loans and overdrafts and extended credit card debt , i.e. indicators 1 , 5 , 6 , 7 , 12 , 23 , 32 , 36 .
na stanja zadolženosti v primeru vlog čez noč , vlog na odpoklic z odpovednim rokom , posojil revolving in prekoračitev stanj na računih ter obrestovanega dolga po kreditnih karticah , tj . kazalniki 1 , 5 , 6 , 7 , 12 , 23 , 32 , 36 .
Table 2 Sector Type of instrument Original maturity , period of notice , initial period of interest rate fixation New business indicator Reporting obligation
Tabela 2 Sektor Vrsta instrumenta Prvotna zapadlost , odpovedni rok , začetno obdobje določitve obrestne mere Kazal-nik novih poslov Obveznost poročanja
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 notice 1 2 3
Čez noč Vezane Zapadlost do enega leta Zapadlost od enega do dveh let Zapadlost nad dvema letoma Na odpoklic z odpovednim rokom (*) Z odpovednim rokom do treh mesecev Z odpovednim rokom nad tremi meseci
AAR AAR , amount AAR , amount 4 5 6 7
1 2 3 4 5 6 7 Zapadlost do enega leta Zapadlost od enega do dveh let Zapadlost nad dvema letoma 8 9 10 11
AAR , amount AAR AAR AAR AAR , amount AAR , amount From non-financial corporations
AAR AAR , znesek AAR , znesek AAR , znesek AAR AAR AAR AAR , znesek AAR , znesek AAR , znesek AAR , znesek AAR AAR AAR , znesek
Overnight With agreed maturity Up to 1 year maturity Over 1 and up to 2 years maturity Over 2 years maturity
Nefinančne družbe Čez noč Vezane
AAR , amount AAR , amount AAR AAR AAR , amount Repos Loans in EUR To households Revolving loans and overdrafts Extended credit card debt For consumption Floating rate and up to 1 year period of initial rate fixation Over 1 and up to 5 years period of initial rate fixation Over 5 years period of initial rate fixation For house purchases Floating rate and up to 1 year period of initial rate fixation
Repo posli Posojila v EUR Gospodinjstvom Posojila revolving in prekoračitve stanja na računih Obrestovani dolg po kreditnih karticah Potrošniška Spremenljiva obrestna mera in obdobje začetne določitve obrestne mere do enega leta Obdobje začetne določitve obrestne mere od enega do petih let Obdobje začetne določitve obrestne mere nad petimi leti Stanovanjska Spremenljiva obrestna mera in obdobje začetne določitve obrestne mere do enega leta
AAR , amount
AAR , znesek
Original maturity , period of notice , initial period of interest rate fixation New business indicator
Prvotna zapadlost , odpovedni rok , začetno obdobje določitve obrestne mere