natgillin/translations-raw huggingface dataset:
The ECB therefore recommends that the wording in paragraph 1.11 ( a ) of Part 3 of Annex VII to the proposed banking directive should be rephrased to match the equivalent clause applying to the Standardised Approach , i.e. to state that for credit lines , which are uncommitted , that are unconditionally cancellable at any time by the institution without prior notice , or that effectively provide for automatic cancellation due to deterioration in a borrower 's creditworthiness , a conversion factor of 0 % shall apply .
ECB zato priporoča , da se besedilo v odstavku 1.11 ( a ) v Delu 3 Priloge VII k predlagani bančni direktivi spremeni tako , da bo ustrezalo enakovredni določbi za standardizirani pristop , t. j. da se določi , da se za kreditne linije , ki so neizkoriščene , ki jih institucija lahko kadar koli brezpogojno prekliče brez predhodne najave ali pri katerih je dejansko določen avtomatičen preklic zaradi poslabšanja kreditojemalčeve kreditne sposobnosti , uporabi konverzijski faktor 0 %.
Official Journal of the European Union Cooperation in an emergency situation
Uradni list Evropske unije Sodelovanje v izrednih razmerah
Supervisory review process
Postopek regulativnega nadzora
The ECB emphasises the importance of the second pillar being treated as of equal importance to the other Basel II pillars , namely minimum capital requirements and market discipline .
ECB poudarja pomembnost tega , da se drugi steber obravnava kot enako pomemben v primerjavi z drugima stebroma Basla II , in sicer minimalnimi kapitalskimi zahtevami in tržno disciplino .
The ECB considers that the very general wording of Articles 123 and 124 of the proposed banking directive , which reflects the second pillar , may wrongly imply that the three pillars are not of equal importance .
ECB meni , da lahko zelo splošno besedilo členov 123 in 124 predlagane bančne direktive , ki odražajo drugi steber , zmotno nakazujejo , da vsi trije stebri niso enako pomembni .
The ECB welcomes Article 130 ( 1 ) of the proposed banking directive , which is particularly important as it establishes the obligation for the supervisor on a consolidated basis to notify the authorities mentioned in Article 49 ( a ) and Article 50 of the proposed directive when an emergency situation arises which could potentially jeopardise the stability of the financial system .
ECB pozdravlja člen 130 ( 1 ) predlagane bančne direktive , ki je posebno pomemben , saj nadzorniku na konsolidirani osnovi nalaga obveznost , da obvesti organe , omenjene v členu 49 ( a ) in členu 50 predlagane direktive , kadar nastopijo izredne razmere , ki bi morda lahko ogrozile stabilnost finančnega sistema .
From the ECB 's perspective , as there is no definition in the proposed banking directive of the concept of « internal capital » ( which is used in Article 123 of the directive ) , supervisors » and credit institutions » understanding of what internal capital means will need to converge as industry practice evolves .
S stališča ECB in ker v predlagani bančni direktivi koncept „internega kapitala » ( internal capital ) ( ki je uporabljen v členu 123 direktive ) ni opredeljen , se bo moralo razumevanje nadzornikov in kreditnih institucij o tem , kaj interni kapital pomeni , zbliževati z razvojem bančne prakse .
The ECB considers it desirable to develop guidance encompassing what credit institutions should do to fulfil the requirements of Article 123 .
Po mnenju ECB je zaželeno , da se oblikujejo smernice o tem , kaj morajo kreditne institucije storiti , da izpolnijo zahteve iz člena 123 .
The ECB is aware that such guidance can only be developed over time in line with evolving industry practices and the experiences of national supervisors and does not insist on a more detailed definition of internal capital at this stage .
ECB se zaveda , da se lahko takšne smernice razvijejo le po določenem času v skladu z razvijajočo se bančno prakso in izkušnjami nacionalnih nadzornikov , in ne vztraja na podrobnejši opredelitvi internega kapitala v tej fazi .
With respect to capital buffers , attention should be drawn to the BCBS statement of July 2002 which explicitly recognises the importance of capital buffers in relation to potential concerns about pro-cyclicality ( 1 ) .
Glede kapitalskih rezerv je treba opozoriti na izjavo BCBS iz julija 2002 , ki izrecno priznava pomembnost kapitalskih rezerv v zvezi z morebitnimi pomisleki glede procikličnosti ( 1 ) .
The proposed banking directive currently does not refer to this issue , and the ECB suggests referring to it in a recital to the proposed banking directive , indicating that supervisors should expect banks to operate with capital buffers so that they can comply with minimum capital levels , even under conditions of stress .
Predlagana bančna direktiva trenutno tega vprašanja ne ureja , zato ECB predlaga ustrezno določbo v uvodnih izjavah k predlagani bančni direktivi , po kateri bi morali nadzorniki od bank pričakovati , da imajo kapitalske rezerve , tako da lahko zagotovijo minimalne ravni kapitala tudi v izjemnih pogojih .
The ECB understands that Article 130 ( 1 ) applies to both the national and EU dimension of the financial system .
Po razumevanju ECB velja člen 130 ( 1 ) za finančni sistem tako na nacionalni ravni kot tudi na ravni EU .
Therefore the ECB understands that information has to be transmitted to the authorities mentioned in Article 49 ( a ) at either national or cross-border level .
ECB zato razume , da morajo biti informacije poslane organom , omenjenim v členu 49 ( a ) , bodisi na nacionalni bodisi na čezmejni ravni .
This is important as the progress made in the integration of financial markets and market infrastructures in the EU , while increasing the liquidity and efficiency of those markets , may also increase the likelihood of systemic disturbances affecting more than one Member State and possibly increase the risk of crossborder contagion in the EU banking sector .
To je pomembno , saj lahko napredek pri združevanju finančnih trgov in tržne infrastrukture v EU , ob povečevanju likvidnosti in učinkovitosti teh trgov , poveča tudi verjetnost sistemskih motenj , ki bi prizadele več kot eno državo članico , in morebiti poveča tveganje čezmejne razširitve negativnega vpliva na bančni sektor v EU .
In this context , the ECB welcomes the fact that Article 130 ( 1 ) follows a recommendation of the Economic and Financial Committee 's report on financial crisis management ( 2 ) by imposing an obligation to inform these authorities in a timely manner in a crisis situation .
ECB v tem kontekstu pozdravlja dejstvo , da člen 130 ( 1 ) sledi priporočilu iz poročila Ekonomsko-finančnega odbora o finančnem kriznem upravljanju ( 2 ) s tem , ko nalaga obveznost pravočasnega obveščanja teh organov v kriznih razmerah .
In order to clarify the scope of Article 130 ( 1 ) , the ECB would recommend stating that the obligation to alert the authorities mentioned in Article 49 ( a ) applies to authorities within the EU .
Z namenom jasne opredelitve področja uporabe člena 130 ( 1 ) bi ECB priporočila , da se določi , da velja obveznost opozoriti organe , omenjene v členu 49 ( a ) , za organe v EU .
Finally , the ECB notes that a number of Member States currently fix , under specific circumstances , the minimum capital ratio above the 8 % threshold stipulated in Article 75 of the proposed banking directive .
ECB končno ugotavlja , da številne države članice trenutno določajo , v specifičnih okoliščinah , količnik minimalne kapitalske ustreznosti nad pragom 8 %, ki je predpisan v členu 75 predlagane bančne direktive .
An automatic application of higher capital requirements to certain categories of institutions is undesirable as divergent minimum capital ratios endanger the level playing field within the EU and provide incentives to restructure groups with a view to regulatory arbitrage between capital regimes .
Avtomatična uporaba višjih kapitalskih zahtev za nekatere kategorije institucij ni zaželena , saj bi različni količniki minimalne kapitalske ustreznosti ogrozili enake konkurenčne pogoje v EU in spodbujali prestrukturiranje skupin z namenom regulativne arbitraže med kapitalskimi ureditvami .
( 1 ) « To help address potential concerns about the cyclicality of the IRB approaches , the Committee agreed that meaningfully conservative credit risk stress testing by banks should be a requirement under the IRB approaches as a means of ensuring that banks hold a sufficient capital buffer under Pillar Two of the new Accord » , BCBS press release , 10 July 2002 ;
( 1 ) „V pomoč pri obravnavi morebitnih pomislekov glede cikličnosti pristopov IRB se je odbor strinjal , da bi se moralo v okviru pristopov IRB od bank zahtevati smiselno konzervativno testiranje izjemnih situacij kreditnega tveganja kot sredstvo za zagotavljanje , da imajo banke zadostne kapitalske rezerve po drugem stebru novega sporazuma » , sporočilo za javnost BCBS , 10 . julij 2002 ;
The ECB also understands that the reference in Article 130 ( 1 ) to the authorities mentioned in Article 50 ( 3 ) is intended to ensure that members of the governments of Member States responsible for financial services are alerted of the existence of an emergency situation as soon as possible .
ECB tudi razume , da je namen sklicevanja v členu 130 ( 1 ) na organe , omenjene v členu 50 ( 3 ) , v zagotovitvi , da so člani vlad držav članic , ki so odgovorni za finančne storitve , opozorjeni na izredne razmere takoj , ko je to mogoče .
The ECB suggests making this more explicit by replacing the reference to the authorities mentioned in Article 50 with an express reference to the « competent government members » , thereby ensuring that there is no impediment to the transmission of the confidential information needed to manage the emergency situation , subject to the conditions laid down in national and Community legislation ( i.e. when their policy functions are affected by the emergency situation ) .
ECB predlaga , da se ta namen navede bolj izrecno z nadomestitvijo sklicevanja na organe , omenjene v členu 50 , z izrecnim sklicevanjem na „pristojne člane vlade » , s čimer bi se zagotovilo , da ni nikakršnega zadržka za prenos zaupnih informacij , ki so potrebne za reševanje izrednih razmer , ob upoštevanju pogojev , določenih v nacionalni zakonodaji in zakonodaji Skupnosti ( t. j. kadar izredne razmere vplivajo na njihove politične funkcije ) .
( 2 ) Economic and Financial Committee , « Report on financial crisis management » of 17 April 2001 , Economic Paper No 156 , July 2001 ;
( 2 ) Ekonomsko-finančni odbor , „Report on financial crisis management » ( Poročilo o finančnem kriznem upravljanju ) z dne 17 . aprila 2001 , Economic paper št .
3 ( ) Article 50 of the proposed banking directive , recasting part of Article 30 ( 9 ) of the Consolidated Banking Directive , permits Member States to authorise the disclosure of confidential prudential information to « departments of their central government administrations responsible for legislation on the supervision of credit institutions , financial institutions , investment services and insurance companies and to inspectors acting on behalf of those departments » .
3 ( ) Člen 50 predlagane bančne direktive , ki ponovno sprejema del člena 30 ( 9 ) konsolidirane bančne direktive , dovoljuje državam članicam , da odobrijo razkritje zaupnih bonitetnih informacij „oddelkom administracije centralne ravni države , ki so odgovorni za zakonodajo o nadzoru kreditnih institucij , finančnih institucij , investicijskih storitev in zavarovalnic ter inšpektorjem , ki delajo v imenu teh oddelkov » .
The ECB also strongly supports the wording of Article 130 ( 1 ) of the proposed banking directive , as it leaves the authorities involved at both national and EU level appropriate scope to define flexible arrangements , which are necessary in the context of crisis management .
ECB močno podpira tudi besedilo člena 130 ( 1 ) predlagane bančne direktive , saj organom tako na nacionalni ravni kot tudi na ravni EU pušča primeren prostor za oblikovanje prožnih dogovorov , ki so nujni v kontekstu kriznega upravljanja .
In this regard , the ECB would like to draw attention to the existing arrangements between central banks and supervisors , which specify the principles and procedures for communication and cooperation in situations of financial crisis management .
ECB bi v tej zvezi želela opozoriti na obstoječe dogovore med centralnimi bankami in nadzorniki , ki podrobneje določajo načela in postopke za komuniciranje in sodelovanje v razmerah finančnega kriznega upravljanja .
In particular , the Memorandum of Understanding on high-level principles of cooperation between the banking supervisors and central banks of the European Union in crisis management situations ( hereinafter the « MoU ') sets out principles and procedures dealing specifically with the identification of the authorities responsible for crisis management , the required flows of information between all the involved authorities and the practical conditions for sharing information at a crossborder level .
Zlasti „Memorandum of Understanding on high-level principles of co-operation between the banking supervisors and central banks of the European Union in crisis management situations » ( Memorandum o soglasju o glavnih načelih sodelovanja med bančnimi nadzorniki in centralnimi bankami v Evropski uniji v razmerah kriznega upravljanja , v nadaljevanju : „MoU ") določa načela in postopke , ki se posebej ukvarjajo s prepoznavanjem organov , odgovornih za krizno upravljanje , zahtevanim tokom informacij med vsemi vključenimi organi in praktičnimi pogoji za delitev informacij na čezmejni ravni .
The MoU also provides for the establishment of logistical infrastructure to support enhanced crossborder cooperation between authorities ( 1 ) .
MoU določa tudi vzpostavitev logistične infrastrukture za podporo pospešenega čezmejnega sodelovanja med organi ( 1 ) .
Second , the proposed calculation of capital requirements under the Standardised Approach places EU credit institutions at a disadvantage vis-à-vis third country credit institutions under Basel II .
slabši položaj v primerjavi s kreditnimi institucijami iz tretjih držav , za katere velja Basel II .
In addition , this approach may hinder the objective of encouraging banks to move from the Basic Indicator Approach to the Standardised Approach .
Dodatno lahko to stališče ovira namen spodbujanja bank , da enostavni pristop ( Basic Indicator Approach ) nadomestijo s standardiziranim pristopom .
Basel II allows negative gross income in certain business lines to be used to partially offset positive gross income in other business lines within each year , and thereby achieves consistency with the Basic Indicator Approach under which compensation between business lines in each year occurs as a matter of course .
Basel II dopušča , da se znotraj vsakega leta negativni bruto prihodek na nekaterih poslovnih področjih uporabi za delno pobotanje s pozitivnim bruto prihodkom na drugih , s čimer se doseže skladnost z enostavnim pristopom , po katerem se pobotanje med poslovnimi področji za vsako leto opravi že avtomatično .
The ECB notes that the approach chosen in the proposed banking directive is in fact more prudent .
ECB ugotavlja , da je v predlagani bančni direktivi izbrani pristop dejansko bolj skrben .
However the ECB would favour aligning the proposed banking directive with Basel II .
Vendar pa bi ECB podprla uskladitev predlagane bančne direktive z Baslom II .
Moreover , the ECB notes that certain initiatives have already been launched to further develop the crisis management arrangements under Article 130 of the proposed banking directive .
ECB poleg tega ugotavlja , da so bile že sprožene nekatere pobude za nadaljnji razvoj dogovorov glede kriznega upravljanja po členu 130 predlagane bančne direktive .
In particular , the Banking Supervision Committee of the European System of Central Banks and CEBS have established a Joint Task Force on Crisis Management which will assist the development of further practical arrangements for handling crises .
Zlasti sta Odbor za bančni nadzor Evropskega sistema centralnih bank in CEBS ustanovila Skupno projektno skupino za krizno upravljanje , ki bo prispevala k razvoju nadaljnjih praktičnih dogovorov glede reševanja kriz .
In this context , the ECB encourages further work to develop efficient cooperation arrangements .
ECB v tem kontekstu spodbuja nadaljnje delo za razvoj učinkovitih dogovorov o sodelovanju .
The ECB considers that smooth interaction between supervisory and central banking functions will facilitate an early assessment of the systemic impact of a crisis and contribute to effective crisis management at both national and EU level .
ECB meni , da bo nemoteno vzajemno delovanje med nadzorno in centralnobančno funkcijo olajšalo zgodnjo oceno sistemskega vpliva krize in prispevalo k učinkovitemu kriznemu upravljanju na nacionalni ravni in na ravni EU .
Third , the requirements in Part 4 of Annex X to the proposed banking directive deviate from Basel II in that in principle they allow unlimited permanent partial use of AMAs .
Tretjič , zahteve v Delu 4 Priloge X k predlagani bančni direktivi odstopajo od Basla II v tem , da načeloma dopuščajo neomejeno trajno delno uporabo AMA .
The ECB notes that restrictions on the scope and duration of the partial use of AMAs were considered crucial in Basel II , to avoid possible regulatory arbitrage and potential adverse effects on the level playing field .
ECB ugotavlja , da so se omejitve glede področja uporabe in trajanja delne uporabe AMA štele v Baslu II za ključne v smislu izogibanja možni regulativni arbitraži in morebitnim negativnim učinkom na enake konkurenčne pogoje .
The ECB shares the BCBS 's concerns and recommends that limits on the partial use of AMAs are put in place as a general rule and not only on a case-by-case basis .
ECB deli pomisleke BCBS in priporoča , da se omejitve delne uporabe AMA postavijo kot splošno pravilo in se ne določajo od primera do primera .
Finally , the transitional provisions incorporated in Article 155 of the proposed banking directive allow for a relevant indicator of 15 % to be applied to the « trading and sales » business line until 31 December 2012 , in cases where this business line constitutes at least 50 % of the total relevant indicators .
Končno , prehodne določbe , ki jih vsebuje člen 155 predlagane bančne direktive , dopuščajo , da se upoštevni kazalec 15 % uporablja za poslovno področje „trgovanje in prodaja » ( „trading and sales ") do 31 . decembra 2012 v primerih , kjer to področje predstavlja vsaj 50 % skupnih upoštevnih kazalcev .
This represents an unwelcome divergence from Basel II , where no such transitional provision is available .
To predstavlja nedobrodošlo odstopanje od Basla II , ki takšne prehodne določbe ne vsebuje .
Consistency with Basel II in the context of operational risk Legal risk as part of operational risk 49 .
Skladnost z Baslom II v kontekstu operativnega tveganja 49 .
The ECB notes that the provisions of the proposed banking directive covering operational risk diverge from Basel II to a degree that might undermine the level playing field .
Ugotavlja , da določbe predlagane bančne direktive , ki urejajo operativno tveganje , odstopajo od Basla II v tolikšni meri , da bi lahko ogrozile obstoj enakih konkurenčnih pogojev .
The ECB therefore recommends revising the following elements of the proposed directive .
ECB zato predlaga spremembo naslednjih elementov predlagane direktive .
First , the relevant indicator in Parts 1 and 2 of Annex X to the proposed banking directive , calculated on the basis of the « last six twelve-monthly observations at the middle and at the end of the financial year » and the acceptance of estimated figures when audited figures are unavailable , is inconsistent with Basel II , which stipulates that yearly observations are to be used .
Prvič , upoštevni kazalec v delih 1 in 2 v Prilogi X k predlagani bančni direktivi , izračunan na podlagi „zadnjih šestih dvanajstmesečnih opazovanj na sredini in na koncu poslovnega leta » , in sprejem ocenjenih številk , kadar revidirane številke niso na voljo , sta v neskladju z Baslom II , ki določa , da je treba uporabiti letna opazovanja .
The ECB welcomes the fact that the changes to paragraph 3 of Part 1 and paragraph 5 of Part 2 of Annex X to the directive set out in the Council 's general approach would align the directive with Basel II in relation to this issue .
ECB pozdravlja dejstvo , da bi spremembe odstavka 3 v Delu 1 in odstavka 5 v Delu 2 Priloge X k direktivi , določene v splošnem pristopu Sveta , uskladile direktivo z Baslom II v zvezi s tem vprašanjem .
( 1 ) See ECB press release of 10 March 2003 ;
Drugič , predlagan izračun kapitalskih zahtev po standardiziranem pristopu postavlja kreditne institucije iz EU v ( 1 ) Glej sporočilo za javnost ECB z dne 10 . marca 2003 ;
The ECB notes that Article 4 ( 22 ) of the proposed banking directive introduces the concept of « legal risk » as one element of the wider notion of « operational risk » .
ECB ugotavlja , da člen 4 ( 22 ) predlagane bančne direktive uvaja koncept „pravnega tveganja » kot enega od elementov širšega pojma „operativno tveganje » .
The ECB recognises that legal risk is an important category of risk which has to be taken into account for capital measurement , but it also notes that the concept of legal risk is not further defined in the proposed directive and could therefore become an area of uncertainty and divergent transposition and application .
ECB priznava , da je pravno tveganje pomembna kategorija tveganja , ki jo je treba upoštevati pri izračunavanju kapitala , ugotavlja pa tudi , da koncept pravnega tveganja v predlagani direktivi ni dalje opredeljen , kar bi lahko vodilo v negotovost ter različna prenos v nacionalno zakonodajo in uporabo .
In this respect , the ECB believes it would be useful to introduce into the EU framework the more precise wording of Basel II , which in particular states that operational risk includes « legal risk , but excludes strategic and reputational risk » ( paragraph 644 of Basel II ) .
V tem smislu ECB verjame , da bi bilo koristno vključiti v okvir EU natančnejše besedilo Basla II , ki zlasti določa , da operativno tveganje vključuje „pravno tveganje , izključuje pa strateško tveganje in tveganje izgube poslovnega ugleda » ( odstavek 644 Basla II ) .
The footnote to this paragraph of Basel II states that « legal risk includes , but is not limited to , exposures to fines , penalties , or punitive damages resulting from supervisory actions , as well as private settlements » ;
Opomba k temu odstavku Basla II določa , da „pravno tveganje vključuje , a ni omejeno na izpostavljenosti zaradi glob , denarnih kazni ali kaznovalne odškodnine , ki izhajajo iz nadzornih dejanj , kot tudi zasebnih poravnav » ;
this could usefully be reproduced in a recital to the proposed banking directive .
to bi bilo koristno ponoviti v eni od uvodnih izjav k predlagani bančni direktivi .
A general definition of legal risk would facilitate proper risk assessment and risk management , as well as ensure a consistent approach between EU credit institutions .
Splošna opredelitev pravnega tveganja bi olajšala ustrezno oceno tveganja in upravljanje s tveganji , zagotovila pa bi tudi enoten pristop med kreditnimi institucijami v EU .
It would also be worthwhile examining the extent to which one should take into account the fact that legal risks are inherently unpredictable and do not generally conform to a pattern .
Treba bi bilo tudi preveriti , v kolikšnem obsegu bi morali upoštevati dejstvo , da je pravno tveganje po naravi nepredvidljivo in v splošnem ne odgovarja nekemu vzorcu .
In addition , the management of legal risk would have to be consistent with the management of operational risk as a whole .
Dodatno bi moralo biti upravljanje s pravnim tveganjem skladno z upravljanjem z operativnim tveganjem kot celoto .
For these reasons , the ECB suggest that CEBS should carry out further work to clarify the definition of legal risk .
ECB iz teh razlogov predlaga , da CEBS opravi nadaljnje delo za jasnejšo opredelitev pravnega tveganja .