natgillin/translations-raw huggingface dataset:
Transitional provisions were also needed for the calculation of the reserve base of the Slovenian counterparties .
januarja 2007 , je bilo treba poskrbeti za prehodne določbe za uporabo obveznih rezerv v Sloveniji v navedenem obdobju . Prehodne odločbe so bile prav tako potrebne za izračun osnove za obvezne rezerve slovenskih nasprotnih strank .
The list of the 27 Slovenian credit institutions subject to the Eurosystem 's reserve requirements was published on the ECB 's website for the first time on 29 December 2006 .
Seznam 27 slovenskih kreditnih institucij , ki so obvezniki za obvezne rezerve Eurosistema , je bil prvič objavljen na spletnem mestu ECB 29 . decembra 2006 .
3.2 CONTRIBUTION TO THE ECB' S CAPITAL , RESERVES AND FOREIGN RESERVE ASSETS On joining the ESCB on 1 May 2004 , Banka Slovenije paid up 7 % of its share of the subscribed capital of the ECB as a contribution to the ECB 's operational costs .
3.2 PRISPEVKI V KAPITAL , REZERVE IN DEVIZNE REZERVE ECB Banka Slovenije je ob vstopu v ESCB 1 . maja 2004 vplačala 7 % svojega deleža vpisanega kapitala ECB kot prispevek k operativnim stroškom ECB .
In accordance with Article 49 of the Statute of the ESCB , Banka Slovenije paid up the remaining part of its subscription on 1 January 2007 .
V skladu s členom 49 Statuta ESCB je Banka Slovenije preostali del svojega vpisanega kapitala vplačala 1 . januarja 2007 .
Banka Slovenije 's total subscribed share amounts to Euros 18.4 million , equivalent to 0.3194% of the 130
Skupni vpisani delež Banke Slovenije znaša 18,4 milijona EUR , kar je enako 0,3194% vpisanega kapitala ECB , ki je 1 .
ECB Annual Report 2006 ECB 's subscribed capital of Euros 5.761 billion as at 1 January 2007 .
januarja 2007 znašal 5,761 milijarde EUR . 130
At the beginning of 2007 , in accordance with Articles 30 and 49.1 of the Statute of the ESCB , Banka Slovenije transferred foreign reserve assets ( of Euros 191.6 million ) to the ECB in proportion , based on its share in the ECB 's subscribed capital , to the foreign reserve assets already transferred to the ECB by the other euro area NCBs .
Na začetku leta 2007 je Banka Slovenije v skladu s členoma 30 in 49.1 Statuta ESCB prenesla devizne rezerve na ECB ( 191,6 milijonov EUR ) v sorazmernem deležu glede na devizne rezerve , ki so jih na ECB prenesle že druge NCB euroobmočja , pri čemer je ta sorazmerni delež temeljil na deležu Banke Slovenije v vpisanem kapitalu ECB .
Of the total contribution , 15 % was made in gold and 85 % in US dollar-denominated assets .
15 % prenesenih deviznih rezerv je bilo v zlatu , 85 % pa v sredstvih , denominiranih v ameriških dolarjih .
Banka Slovenije and the Banque centrale du Luxembourg manage this US dollardenominated portfolio as agents of the ECB , thus forming the ECB 's first pooled foreign reserve portfolio .
Portfelj , denominiran v ameriških dolarjih , upravljata Banka Slovenije in Banque centrale du Luxembourg kot zastopnici ECB , pri čemer gre za prvi združeni portfelj deviznih rezerv ECB .
In connection with the transfer of foreign reserve assets to the ECB , Banka Slovenije was credited with a euro-denominated claim on the ECB .
V zvezi s prenosom deviznih rezerv na ECB je bila Banki Sloveniji pripisana v eurih denominirana terjatev do ECB .
4 THE SLOVENIAN CASH CHANGEOVER On 1 January 2007 euro banknotes and coins were put into circulation in Slovenia .
4 Z AMENJAVA GOTOVINE V SLOVENIJI V Sloveniji so bili 1 . januarja 2007 dani v obtok eurobankovci in eurokovanci .
After a dual circulation period of two weeks , they had fully replaced the Slovenian tolar banknotes and coins .
Po štirinajstdnevnem obdobju dvojnega obtoka so v celoti nadomestili tolarske bankovce in kovance .
In preparation for this event , the Governing Council on 14 July 2006 adopted a guideline on certain preparations for the euro cash changeover and on frontloading and sub-frontloading of euro banknotes and coins outside the euro area .
julija 2006 sprejel smernico o nekaterih pripravah za prehod na eurogotovino ter o preddobavi in posredni preddobavi eurobankovcev in eurokovancev zunaj euroobmočja .
16 This guideline , which largely mirrors the legal framework adopted for the cash changeover in 2002 , formed the basis for Banka Slovenije 's national cash changeover framework .
16 Ta smernica , ki v glavnem odraža pravni okvir , sprejet za zamenjavo gotovine leta 2002 , je oblikovala podlago za nacionalni okvir Banke Slovenije za zamenjavo gotovine .
Banka Slovenije established the legal framework for parties involved in the frontloading and sub-frontloading of euro banknotes and coins in Slovenia .
Banka Slovenije je vzpostavila pravni okvir za stranke , ki so sodelovale pri dobavi in preddobavi eurobankovcev in eurokovancev v Sloveniji .
Procedures and methods were also put in place for the exchange of tolar banknotes and coins for euro banknotes and coins , and the conditions for transport , storage , security , the provision of collateral and statistical monitoring were set out .
Prav tako so bili uvedeni postopki in načini zamenjave tolarskih bankovcev in kovancev z eurobankovci in eurokovanci ter določeni pogoji za prevoz , skladiščenje , varnost , zagotavljanje zavarovanja in statistično spremljanje .
To prepare for the cash changeover , as well as to cover the estimated national demand for the whole of 2007 , the Eurosystem provided Banka Slovenije with a total of 94.5 million euro banknotes , with a face value of Euros 2,175 million , from its stocks .
Za pripravo na zamenjavo gotovine in pokritje ocenjenega domačega povpraševanja za celotno leto 2007 je Eurosistem iz svojih zalog Banke Sloveniji dostavil skupno 94,5 milijona eurobankovcev v nominalni vrednosti 2.175 milijonov EUR .
For geographical and logistical reasons , the Oesterreichische Nationalbank performed the physical delivery on behalf of the Eurosystem .
Zaradi geografskih in logističnih razlogov je fizično dostavo v imenu Eurosistema opravila Oesterreichische Nationalbank .
Following a public tender , Slovenia 's euro coins were produced by Mint of Finland .
Na podlagi mednarodnega javnega razpisa je slovenske eurokovance izdelala finska kovnica Mint of Finland .
A total of 296.3 million euro coins were minted , with a face value of Euros 104 million .
Skupno je bilo izdelanih 296,3 milijone kosov eurokovancev v nominalni vrednosti 104 milijone EUR .
Banka Slovenije began frontloading euro coins to credit institutions on 25 September 2006 and euro banknotes on 29 November 2006 .
Banka Slovenije je začela eurokovance preddobavljati kreditnim institucijam 25 . septembra 2006 , eurobankovce pa 29 .
Sub-frontloading , i.e. the delivery of euro banknotes and coins to professional third parties ( such as retailers and the cash-operated machine industry ) by credit institutions , took place in the course of December .
dobava eurobankovcev in eurokovancev profesionalnim tretjim osebam ( npr . trgovcem na drobno , sektorju prodajnih avtomatov na gotovino ) , ki jo izvedejo kreditne institucije , je potekala decembra .
In parallel , 150,000 euro coin starter kits for retailers , each worth Euros 201 , and 450,000 euro coin kits for private households , each worth Euros 12.52 , were prepared in order to ensure the widespread distribution of coins before the launch .
Vzporedno s tem je bilo pripravljenih 150.000 začetnih paketov eurokovancev za trgovce na drobno , vsak v vrednosti 201 EUR , in 450.000 začetnih paketov eurokovancev za zasebna gospodinjstva , vsak v vrednosti 12,52 EUR , da bi se zagotovila široka distribucija kovancev pred dejansko uvedbo .
By the end of 2006 Banka Slovenije had frontloaded to banks 100 % of the euro banknotes and coins needed for the cash changeover , paving the way for a smooth and rapid changeover .
Do konca leta 2006 je Banka Slovenije bankam preddobavila 100 % eurobankovcev in eurokovancev , potrebnih za prehod na eurogotovino , kar je pozneje omogočilo nemoteno in hitro zamenjavo gotovine .
Another factor contributing to the efficiency of the cash changeover was the quick conversion of automated teller machines ( ATMs ) and pointof-sale ( POS ) terminals : all publicly accessible ATMs and all POS terminals were converted on the first day of the changeover .
K učinkovitemu prehodu na eurogotovino je prispevala tudi hitra prilagoditev bankomatov in terminalov na prodajnih mestih ( POS ) : vsi javno dostopni bankomati in terminali POS so bili prilagojeni prvi dan prehoda na eurogotovino .
The conversion of vending machines was completed within 15 days .
Prilagoditev prodajnih avtomatov je bila končana v 15 dneh .
Article 52 of the Statute of the ESCB requires the Governing Council to take the necessary measures to ensure that banknotes denominated in currencies which are irrevocably fixed to the euro be exchanged by the euro area NCBs at par value .
V skladu s členom 52 Statuta ESCB mora Svet ECB storiti vse potrebno , da bi NCB euroobmočja menjale bankovce , denominirane v valutah z nepreklicno določenim menjalnim razmerjem do eura , po njihovi nominalni vrednosti .
In line with this requirement , and following the adoption on 24 July 2006 of Guideline ECB / 2006/10 on the exchange of banknotes after the irrevocable fixing of exchange rates in connection with the introduction of the euro 17 , the euro area NCBs ensured that , for the first two months of 2007 , banknotes denominated in tolar , up to a value of Euros 1,000 for any one party / transaction on a given day , could be exchanged for euro at par value in at least one location in their respective countries .
Skladno s to zahtevo in po sprejetju Smernice ECB / 2006/10 o menjavi bankovcev po nepreklicni določitvi deviznih tečajev v zvezi z uvedbo eura 17 24 . julija 2006 so NCB zagotovile , da bo v prvih dveh mesecih leta 2007 mogoče bankovce v tolarjih do vrednosti 1.000 EUR za vsako stranko / transakcijo na določen dan zamenjati za euro po nominalni vrednosti na najmanj eni lokaciji v njihovih državah .
Banka Slovenije will redeem tolar banknotes for an unlimited period and tolar coins for ten years .
Banka Slovenije bo menjavala tolarske bankovce brez časovne omejitve , tolarske kovance pa še deset let .
THE INFORMATION CAMPAIGN ON THE INTRODUCTION OF THE EURO In 2006 the ECB , in cooperation with Banka Slovenije , organised an information campaign in preparation for the introduction of the euro in Slovenia on 1 January 2007 .
INFORMACIJSKA KAMPANJA OB UVEDBI EURA ECB je leta 2006 v sodelovanju z Banko Slovenije organizirala informacijsko kampanjo v okviru priprav na uvedbo eura v Sloveniji 1 . januarja 2007 .
The objective of 16 OJ L 207 , 28.7.2006 , p. 39 .
Namen kampanje je bil seznaniti poklicne uporabnike gotovine in širšo 1 2 UL L 207 , 28.7.2006 , str . 39 .
17 OJ L 215 , 5.8.2006 , p. 44 .
UL L 215 , 5.8.2006 , str . 44 .
the information campaign was to familiarise cash handlers and the general public with the visual appearance and security features of the euro banknotes and coins , as well as the cash changeover procedures .
javnost z videzom in zaščitnimi elementi eurobankovcev in eurokovancev ter postopki zamenjave gotovine .
As part of the campaign , more than 700,000 information leaflets produced by the ECB on the euro banknotes and coins , together with a calculator provided by Banka Slovenije , were sent to Slovenian households .
V okviru kampanje je bilo slovenskim gospodinjstvom poslanih več kot 700.000 informativnih letakov o eurobankovcih in eurokovancih , ki jih je pripravila ECB skupaj s kalkulatorji , ki jih je priskrbela Banka Slovenije .
Posters and a credit card-sized leaflet depicting the security features of the euro banknotes were distributed , as were guides for people who regularly handle cash at work .
Razdeljeni so bili plakati in žepna zgibanka v velikosti kreditne kartice , ki opisuje zaščitne elemente eurobankovcev , ter priročniki za ljudi , ki redno ravnajo z gotovino pri svojem delu .
Furthermore , the Slovenian business community was provided with first-hand information on the visual appearance and security features of the euro banknotes and coins to be used in its own information material .
Poleg tega je slovenska poslovna skupnost prejela neposredne informacije o videzu in zaščitnih elementih eurobankovcev in kovancev , ki jih je nato uporabila v svojem informativnem gradivu .
A two-day seminar for representatives of the Slovenian media was held at the ECB and provided in-depth information about the organisation , responsibilities and activities of the ECB and the Eurosystem .
V ECB je potekal dvodnevni seminar za predstavnike slovenskih medijev , na katerem so se ti podrobno seznanili z organizacijo , nalogami in dejavnostmi ECB in Eurosistema .
Subsequently , a « Euros Conference Slovenia 2007 » was organised by Banka Slovenije in cooperation with the ECB in order to provide a forum to exchange experiences and foster dialogue on the economic impact of the euro introduction and on the cash changeover .
Pozneje je Banka Slovenije v sodelovanju z ECB pripravila „ Euros konferenco Slovenija 2007 » , katere namen je bil omogočiti izmenjavo izkušenj in spodbujati razprave o ekonomskih učinkih uvedbe eura in o prehodu na eurogotovino .
The conference , which was held on 15 January 2007 , was attended by representatives from the business community , public authorities and the media .
Konference , ki je potekala 15 . januarja 2007 , so se udeležili predstavniki poslovne skupnosti , javnih organov in medijev .
CHAPTER 4
P O G L AV J E 4
FINANCIAL STABILITY AND INTEGRATION
FINANČNA STABILNOST IN INTEGRACIJA
1 FINANCIAL STABILITY The Eurosystem contributes to the smooth conduct of policies pursued by the competent national authorities relating to the prudential supervision of credit institutions and the stability of the financial system .
I FINANČNA STABILNOST Eurosistem prispeva k nemotenemu izvajanju politik , ki jo izvajajo pristojni nacionalni organi in ki zadevajo bonitetni nadzor kreditnih institucij ter stabilnost finančnega sistema .
It also offers advice to these authorities and the European Commission on the scope and implementation of Community legislation in these fields .
Eurosistem tem organom oblasti in Evropski komisiji prav tako svetuje glede obsega in izvajanja zakonodaje Skupnosti na teh področjih .
time , euro area banks » exposure to credit risk has grown following the expansion of bank lending , although banks have used credit risk transfer products to shed risk .
posojanja , čeprav so banke za zmanjšanje tveganja uporabile prenose kreditnih tveganj .
Some banks have also become increasingly exposed to short-term leveraged financing , especially in relation to private equity deals , where competition for increasingly large deals may have put pressure on banks » credit standards .
Nekatere banke so postale tudi vse bolj izpostavljene kratkoročnemu vzvodnemu financiranju , zlasti pri poslih z zasebnimi lastniškimi instrumenti , kjer je zaradi tekmovanja za vedno večje posle lahko prišlo do pritiska na kreditne standarde bank .
Finally , the persistently low volatility in the financial markets may also have encouraged banks to expand their positions in various asset classes , thereby increasing their exposure to market risk .
Končno je lahko tudi vztrajno nizka nestanovitnost na finančnih trgih spodbudila banke k širjenju svojih pozicij v različnih vrstah sredstev , s čimer se je povečala njihova izpostavljenost do tržnega tveganja .
In this context , banks » increasing use of new and complex financial instruments in the wholesale market has given rise to new counterparty risks related to legal and reputational issues .
V tem kontekstu so novi in kompleksni finančni instrumenti na trgu poslovanja s podjetji , ki jih vse bolj uporabljajo banke , povzročili nova tveganja nasprotnih strank , povezana s pravnimi vprašanji in vprašanji ugleda .
The profitability of large euro area banks strengthened further in 2006 .
Dobičkonosnost velikih bank euroobmočja se je v letu 2006 še dodatno okrepila .
Although the uneven transition to the International Financial Reporting Standards ( IFRS ) across the euro area affects the current assessment , the comparability of key performance indicators has been broadly preserved , and profitability figures signal a broad-based improvement .
Čeprav neenakomeren prehod na mednarodne standarde poročanja ( International Financial Reporting Standards -- IFRS ) po euroobmočju vpliva na trenutno oceno , se je primerljivost ključnih kazalcev uspešnosti na splošno ohranila , vrednosti za dobičkonosnost pa kažejo široko osnovano izboljšanje .
The high profitability was mostly driven by strong lending growth both to households and to the non-financial corporate sector , although net interest income growth was subdued by persistently compressed interest rate margins and the flat yield curve .
Visoka dobičkonosnost je bila predvsem posledica močne rasti posojil gospodinjstvom in nefinančnemu podjetniškemu sektorju , čeprav je bila rast neto prihodkov iz obresti skromna zaradi vztrajnega nižanja marž na obrestne mere in položne krivulje donosnosti .
Fees and commission income as well as trading revenues also supported income growth .
Rast prihodkov je bila tudi posledica prihodkov iz pristojbin in provizij in prihodkov iz trgovanja .
In addition , profits were supported by continued cost-containment measures and impairment charges which reached new historic lows as a result of improved risk management by banks and a very benign credit environment .
Poleg tega so bili dobički posledica neprestanih ukrepov omejevanja stroškov in umirjenih stroškov oslabitve sredstev , pri čemer so zadnji zaradi boljšega upravljanja tveganj , ki ga izvajajo banke , in zelo ugodnega kreditnega okolja dosegli rekordno nizke vrednosti .
Looking ahead , although several banks expect a deterioration in the credit cycle in the short run , most large euro area banks are in a comfortable position to 1 Since the end of 2004 the ECB has published a biannual report on the stability of the euro area financial system entitled « Financial stability review » .
V nadaljevanju je večina bank euroobmočja , 1 Od konca leta 2004 je ECB objavila dvoletno poročilo o stabilnosti finančnega sistema euroobmočja z naslovom „Pregled finančne stabilnosti » .
In 2006 it also published the fifth editions of the reports on « EU banking sector stability » and « EU banking structures » .
Leta 2006 je objavila tudi peto izdajo poročil „Stabilnost bančnega sektorja EU » in „Bančne strukture EU » .
These publications present the main findings of the regular monitoring by the BSC of banking sector structure and stability , and are available on the ECB 's website .
Te publikacije prestavljajo glavne ugotovitve rednega spremljanja struktur bančnega sektorja in stabilnosti , ki ga izvaja BSC , in so na voljo na spletni strani ECB .
1.1 FINANCIAL STABILITY MONITORING The ECB , in collaboration with the ESCB 's Banking Supervision Committee ( BSC ) , analyses risks to financial stability in order to assess the financial system 's shock-absorbing capacity .
SPREMLJANJE FINANČNE STABILNOSTI ECB v sodelovanju z odborom ESCB za bančni nadzor ( BSC ) analizira tveganja , ki ogrožajo finančno stabilnost , zato da bi ocenila šokovnoabsorpcijsko sposobnost finančnega sistema .
1 Banks are the main focus of monitoring activities , as they are still the primary intermediaries of funds and thus also the main potential conduit for risk in the financial system .
1 Pri tem se osredotoča na banke , saj te še naprej ostajajo glavni posredniki pri usmerjanju sredstev in so kot take glavni potencialni kanal , prek katerega se lahko tveganja razširijo na finančni sistem .
At the same time , the increasing importance of other financial institutions and markets and their linkages with banks requires vulnerabilities in these components of the financial system to be monitored by the ESCB .
Hkrati mora ESCB zaradi vse večjega pomena drugih finančnih institucij in trgov ter njihovih povezav z bankami spremljati ranljivosti v teh komponentah finančnega sistema .
CYCLICAL DEVELOPMENTS In 2006 the financial condition of euro area financial institutions continued to improve , consolidating upon the improvements witnessed since 2003 .
CIKLIČNA GIBANJA Leta 2006 se je finančno stanje finančnih institucij euroobmočja še naprej izboljševalo in se konsolidiralo na podlagi izboljšav , ki smo jim priča od leta 2003 .
Financial institutions have benefited from benign macroeconomic and financial conditions , despite the incipient tightening of global liquidity supply , and in the case of insurance companies , from the absence of major natural disasters .
Finančne institucije so imele koristi od ugodnih makroekonomskih in finančnih pogojev , kljub začetnemu zaostrovanju globalne ponudbe likvidnosti , zavarovalnice pa od odsotnosti večjih naravnih katastrof .
The vulnerability of the euro area financial institutions to adverse developments has diminished considerably on account of sustained positive results , and the outlook remains positive ;
Ranljivost finančnih institucij euroobmočja na neugodna gibanja se je občutno zmanjšala zaradi trajnih pozitivnih rezultatov in obeti ostajajo pozitivni ;
however , some risks remain .
vendar pa določena tveganja še ostajajo .
Despite some rebalancing of international growth patterns and recent declines in oil prices , large global financial imbalances remain a source of medium-term risk ;
Kljub določenemu uravnoteženju svetovne rasti in nedavnih znižanj cen nafte ostajajo velika svetovna finančna neravnotežja vir srednjeročnega tveganja ;
moreover , the potential for an adverse turn in the credit cycle may have increased , as might the potential for an abrupt unwinding of leveraged speculative positions .
poleg tega so se morda povečale možnost neugodne usmeritve kreditnega cikla in sunkovite preusmeritve špekulativnih pozicij s finančnim vzvodom .
At the same
Hkrati se je povečala izpostavljenost bank euroobmočja kreditnim tveganjem zaradi povečanja obsega bančnega
absorb the ensuing gradual increase in impairment charges .
čeprav je veliko bank pričakovalo kratkoročno poslabšanje kreditnega cikla , v ugodnem položaju za absorpcijo posledičnega postopnega zvišanja stroškov oslabitve sredstev .
The solvency ratio of euro area banks decreased slightly in 2006 , owing to a strong increase in risk-weighted assets ;
Raven solventnosti bank euroobmočja se je v letu 2006 nekoliko znižala zaradi močnega povečanja tehtane tvegane aktive ;
however , their solvency levels remained strong and comfortably exceeded regulatory requirements .
vendar je njihova solventnost ostala močna in je brez težav presegala predpisane zahteve .
This was the result of sustained growth in income over the previous three years , which has supported substantial internal capital generation , and the retention of profits .
To je bilo posledica vzdržne rasti prihodka v preteklih treh letih , kar je povzročilo ustvarjanje občutnega notranjega kapitala in zadržanje dobičkov .
According to the latest assessment by European insurance supervisors , profitability in the euro area insurance industry continued to rise in 2006 , extending the improvement in the sector 's financial conditions since 2004 .
Po zadnjih ocenah evropskih zavarovalnih nadzornikov se je dobičkonosnost v zavarovalniški dejavnosti euroobmočja v letu 2006 še naprej dvigala in povečala izboljšanje finančnega stanja sektorja od leta 2004 .
The recent growth in total real premiums has been stronger for life than for non-life insurance undertakings .
Nedavna rast zneska realnih premij je bila močnejša pri življenjskih zavarovanjih kakor pri neživljenjskih zavarovanjih .
The positive performance of life insurance undertakings has been supported by strong sales of unit-linked products against a background of rising equity prices and by increasing sales of other , more traditional products .
Uspešnost poslov življenjskega zavarovanja je bila posledica močne prodaje proizvodov , vezanih na enote , ob rastočih cenah lastniških vrednostnih papirjev , in večje prodaje drugih , bolj tradicionalnih proizvodov .