natgillin/translations-raw huggingface dataset:
Consumer protection and financial innovation – Joint Consultation paper on cross selling. – Joint Discussion Paper on Key Information Documents (KIDs). – Consultation Paper on Product Intervention Powers under the Regulation on Key Information Documents for Packaged Retail and Insurance-Based Investment Products. – Consultation Paper on the proposal for Guidelines on product oversight and governance arrangements by insurance undertakings. – Consultation Paper on Conflicts of Interest in direct and intermediated sales of insurance-based products (PRIIPs). – Discussion Paper on Conflicts of Interest in direct and intermediated sales of insurance-based investment products (PRIIPs). 
Varstvo potrošnikov in finančne inovacije – Skupni posvetovalni dokument o navzkrižni prodaji; – skupni dokument za razpravo o ključnih informacijah za vlagatelje; – posvetovalni dokument o intervencijskih pristojnostih v zvezi s produkti v okviru uredbe o ključnih informacijah za vlagatelje glede paketnih naložbenih produktov za male vlagatelje in zavarovalnih naložbenih produktov; – posvetovalni dokument o predlaganih smernicah za zavarovalnice o nadzoru produktov in ureditvi upravljanja; – posvetovalni dokument o navzkrižju interesov pri neposrednih in posredniških prodajah zavarovalnih produktov; – dokument za razpravo o navzkrižju interesov pri neposrednih in posredniških prodajah zavarovalnih produktov; – tretje poročilo o potrošniških trendih; – enominutni vodnik: smernice EIOPA za zavarovalne posrednike o obravnavanju pritožb; – poročilo o povratnih informacijah pristojnih nacionalnih organov v zvezi z mnenjem o zavarovanju zaščite plačil, ki ga je izdal Organ; – predhodno poročilo o vzpostavitvi enotnega trga EU za osebne pokojnine (nadzor in varstvo potrošnikov) z naslovom Towards an EU-single market 4 ADB057220SL04-15PP-CH057-15APCFIN-RAS-EIOPA_2014-TR.docx 8.9.2015
– 3rd Consumer Trends Report. – One minute guide: EIOPA Guidelines on Complaints-Handling by Insurance Intermediaries. – Report on feed-back from National Competent Authorities regarding EIOPA’s Opinion on Payment Protection Insurance. – Towards an EU-single market for personal pension products: An EIOPA Preliminary Report (supervisory and consumer protection). – Report on issues leading to detriment for occupational scheme members and beneficiaries and potential scope of action for EIOPA. – Report on the implementation of the Test Achat ruling into national legislation. 
for personal pension products: An EIOPA Preliminary report; – poročilo o zadevah, ki so povzročile težave plačnikom in upravičencem poklicnih pokojninskih zavarovanj ter potencialni obseg ukrepanja Organa; – poročilo o prenosu sodbe v zadevi Test Achat v nacionalno zakonodajo.
Joint Committee – Produced two joint reports on cross-sectorial risks and vulnerabilities in the EU financial system, which were submitted to the March and September meetings of Economic and Financial Committee of the Council (EFC-FST) and the European Systemic Risk Board (ESRB) and published on the ESAs websites. – Published Joint Guidelines on the consistency of supervisory practices for financial conglomerates, developed in accordance with Article 11(1) of the Financial Conglomerates Directive (Directive 2002/87/EC). – Submitted to the European Commission a joint draft Regulatory Technical Standard (RTS) on risk concentration and intra-group transactions, in accordance with Article 21a (1a) of the Financial Conglomerates Directive. – Joint Committee published its updated 2014 list of identified Financial Conglomerates in October 2014. 
Skupni odbor – Pripravil je dve skupni poročili o medsektorskih tveganjih in ranljivosti finančnega sistema EU, ki sta bili marca in septembra predloženi na sejah Ekonomsko-finančnega odbora Sveta in Evropskega odbora za sistemska tveganja (ESRB) ter objavljeni na spletiščih ESA. – Objavil je skupne smernice za doslednost nadzornih praks za finančne konglomerate, ki so bile razvite v skladu s členom 11(1) direktive o finančnih konglomeratih (Direktiva 2002/87/ES). – Evropski komisiji je posredoval skupni osnutek regulativnega tehničnega standarda o koncentraciji tveganja in transakcijah znotraj skupine, v skladu s členom 21a (1a) direktive o finančnih konglomeratih. – Skupni odbor je oktobra 2014 objavil posodobljeni seznam odkritih finančnih konglomeratov za leto 2014.
The list shows 71 financial conglomerates with the head of group in an EU/EEA country. – Provided support to the Board of Appeal which decided on two appeal cases in 2014 and finalised one appeal case lodged in 2013. 
Na seznamu je 71 finančnih konglomeratov, katerih vodja skupine je v državi na območju EU/EGP. – Zagotovil je podporo odboru za pritožbe, ki je leta 2014 odločal o dveh pritožbah in zaključil pritožbo, vloženo leta 2013.
Common supervisory culture – Three cross-sector seminars. – 17 seminars for national competent authorities. Financial stability – Two bi-annual Financial Stability Reports (incl. thematic articles). – Completion of quantitative tools for modelling reserves and premiums. – Production of quarterly Risk Dashboard. – Completion of Europe-wide stress test for the insurance sector (including low yield module). – Issuance of recommendations to NCAs for supervisory action in response to the stress test findings. – Preparatory study on stress testing of the IORPs sector. – Publication of revised and revamped annual insurance statistics. 
Skupna nadzorna kultura – Trije medsektorski seminarji; – 17 seminarjev za pristojne nacionalne organe; Finančna stabilnost – Dve polletni poročili o finančni stabilnosti (vključno s tematskimi članki); – izdelava kvantitativnih orodij za oblikovanje rezerv in premij; – priprava četrtletnega skupnega niza kvalitativnih in kvantitativnih kazalnikov za ugotavljanje in merjenje sistemskega tveganja (Risk Dashboard); – izvedba stresnih testov za zavarovalniški sektor po vsej Evropi (vključno z modulom nizkih obrestnih mer); – izdaja priporočil pristojnim nacionalnim organom za nadzorne ukrepe pri odzivu na rezultate stresnih testov; – pripravljalna študija stresnega testa v sektorju institucij za poklicno pokojninsko zavarovanje; – objava pregledanih in prenovljenih letnih statističnih podatkov o zavarovanju.
External relations – 10 meetings, including a joint one with BoS, of IRSG and OPSG, ten official opinions and feedback statements on public documents, two own initiative papers and two responses to informal consultations. – 21 Regulatory and Supervisory Dialogues with third country supervisors and supervisory associations from Austral-Asia, Latin and North America, South Africa, Iceland and Switzerland. – Active participation in and contributions to the IAIS Executive Committee, Technical and Financial Stability Committee, Solvency & Actuarial Subcommittee and IAIS Annual Conference. 
6 nadzornih organov za preprečevanje, obvladovanje in reševanje kriz; – vzpostavitev foruma GSII za zagotavljanje skupnega pristopa EU k izvajanju nadzornih ukrepov, ki so nujni za GSII; Zunanji odnosi – Deset sestankov skupine zainteresiranih strani za zavarovanja in pozavarovanja ter skupine zainteresiranih strani za poklicne pokojnine, vključno s skupnim sestankom z odborom nadzornikom, deset uradnih mnenj in izjav s povratnimi informacijami o javnih dokumentih, dva dokumenta, pripravljena na lastno pobudo, in dva odgovora na neformalna posvetovanja; – 21 dvostranskih razgovorov o zakonodaji in nadzoru z nadzornimi organi in združenji tretjih držav iz Avstralije in Azije, Latinske in Severne Amerike, Južne Afrike, Islandije in Švice; – aktivno sodelovanje in prispevki v izvršnem odboru IAIS, odboru za tehnično in finančno stabilnost, pododboru za solventnost in akutarstvo in letni konferenci IAIS.
EIOPA coordinated the selection process for a total of 6 seats in the IAIS Executive Committee belonging to the Western European and the Central and Eastern European and Transcaucasia Regions. – Strong contribution to the IAIS work on the development of global Insurance Capital Standards, through the Capital Development and the Field Testing Working Groups. Continuous interaction with EIOPA Members to foster increased coordination. – EU-US Insurance Project: the strategic Way Forward document was updated to reflect progress to date and new ambitions, regular Steering Committee Meetings, the Technical Committees progressing on plan and Public Event in Amsterdam. – Equivalence: Gap analysis of the (re)insurance regime of the Isle of Man and Canada. 
EIOPA je usklajevala izbirni postopek za skupno 6 sedežev v izvršnem odboru IAIS, ki pripadajo regijam zahodne Evrope, osrednje in vzhodne Evrope in Zakavkazja; – velik prispevek k delu odbora IAIS pri razvoju globalnih zavarovalniških kapitalskih standardov v okviru delovnih skupin za kapitalski razvoj in preskušanje na terenu; stalno sodelovanje s člani EIOPA za zagotavljanje večje usklajenosti; – projekt zavarovanja EU-ZDA: strateški dokument o nadaljnjih korakih je bil posodobljen in odseva dosedanji napredek ter nove cilje, redne seje usmerjevalnega odbora, napredek tehničnega odbora v skladu z načrtom in prireditev za javnost, organizirana v Amsterdamu; – enakovrednost: analiza pomanjkljivosti sistemov (po)zavarovanja na otoku Man in v Kanadi.
Revision of 2011 Equivalence assessments for Bermuda, Japan and Switzerland. 
Revizija ocene enakovrednosti za Bermude, Japonsko in Švico iz leta 2011.
Public consultation on the revised reports was published by the end of 2014. 
Ob koncu leta 2014 je bilo objavljeno javno posvetovanje o pregledanih poročilih.
Finalisation of professional secrecy assessment of 4 countries in Central and Eastern Europe (Albania, FYR Macedonia, Montenegro, Turkey). 
Dokončanje ocene o poklicni tajnosti za 4 države osrednje in vzhodne Evrope (Albanijo, nekdanjo jugoslovansko republiko Makedonijo, Črno Goro in Turčijo).
In 2014, 10 meetings of the EIOPA Equivalence took place. – Implementation of the Operational Memorandum of Understanding signed between EIOPA and the World Bank, among other things by organising a Joint Seminar on Risk-Based supervision with focus on countries in Central and Eastern Europe, co-organisation of GIS Conference, and several high-level meetings between EIOPA and the World Bank. 
Leta 2014 je bilo organiziranih 10 srečanj v okviru projekta EIOPOA enakovrednost; – izvajanje operativnega memoranduma o soglasju, ki je bil podpisan med Organom in Svetovno banko in je med drugim vključeval organizacijo skupnega seminarja o nadzoru na podlagi tveganj, ki se je osredotočal na države srednje in vzhodne Evrope, so-organizacijo konference GIS in več odmevnih sej med Organom in Svetovno banko.
7 Source: Conferences / other public events 2014 – Five conferences and events (Conference on Global Insurance Supervision (GIS), “Insurance Mediation Directive 1.5” and, “Personal Pensions” Public Events, annual EIOPA Conference and 2nd Joint ESAs Consumer Protection Day. 
Konference / drugi javni dogodki v letu 2014 – Pet konferenc in dogodkov (konferenca o globalnem zavarovalniškem nadzoru, Direktiva o zavarovalnem posredništvu 1.5 in javni dogodki o osebnih pokojninah, letna konferenca Organa in drugi dan varstva potrošnikov, organiziran skupaj z ESA.
Annex supplied by the Authority. 
Vir: Priloga, ki jo je posredoval Organ.
European Insurance and Occupational Pensions Authority (EIOPA) THE AUTHORITY’S REPLY 11. 
European Insurance and Occupational Pensions Authority (EIOPA) ODGOVOR ORGANA 11.
EIOPA acknowledges that the percentage of carried over appropriations from 2013 to 2014 and from 2014 to 2015 in Title III was high; this was due to the multi-annual nature of the work, the challenging time frame (mainly driven by the Solvency II calendar with the preparatory phase starting in 2015 and full implementation in 2016). 
Organ se zaveda, da je bila stopnja odobrenih proračunskih sredstev, prenesenih v naslovu III iz leta 2013 v leto 2014 in iz leta 2014 v leto 2015, visoka; razlog za to pa sta večletni značaj dela in zahteven časovni okvir (ki temelji na časovnem okviru, določenem za izvajanje direktive Solventnost II, v skladu s katerim se pripravljalna faza začne v letu 2015, popolno izvajanje pa je predvideno v letu 2016).
In addition, the substantial cut of the 2015 EIOPA budget required the rationalisation of the 2014 budget to use the available resources effectively and efficiently in 2015, and minimize its impact on the ongoing IT projects, with an increased number of budget transfers to Title III as a consequence. 
Poleg tega je bilo treba zaradi znatnega zmanjšanja proračuna za leto 2015 racionalizirati proračun za leto 2014, da bi se zagotovila učinkovita in smotrna poraba virov v letu 2015 in čim bolj zmanjšal vpliv tega zmanjšanja na tekoče IT projekte, posledica tega je bilo povečano število prerazporeditev proračunskih sredstev v naslovu III.
The carried over commitments are critical to the continued execution of the IT implementation plan in accordance with the statutory timelines. 
Prenos obveznosti je bil nujen za zagotovitev nemotenega izvajanja načrta za vzpostavitev IT sistema v skladu s predpisanimi roki.
It is to be expected that the carry-over percentages in the coming year will decline as EIOPA’s IT capability will be in place, reducing the need to carry over high amounts in Title III to a strict minimum. 
Za pričakovati je, da se bodo stopnje prenosov v prihodnjih letih zmanjšale, saj bo IT sistem kmalu vzpostavljen, zaradi česar se bo potreba po prenosu velikih zneskov v naslovu III zmanjšala na najnižjo možno raven.
EIOPA is aware that part of the 2015 activities are covered by a relatively high proportion of carried-over appropriations from 2014. 
Organ se zaveda, da se financiranje dela dejavnosti v letu 2015 krije z relativno visokim deležem odobrenih proračunskih sredstev, prenesenih iz leta 2014.
This is explained by the need to finance its complex and multi-annual IT plan, ensuring a proper implementation of Solvency II. 
Vzrok za to je potreba po financiranju zahtevnega večletnega načrta za vzpostavitev IT sistema, ki bo omogočal pravilno izvajanje direktive Solventnost II.
With this IT plan being largely implemented in 2016, the level of carry-over appropriations will be limited in the future to a strict minimum, in line with the principle of annuality. 
Ker bo ta načrt večinoma izveden v letu 2016, se bo stopnja prenosa odobrenih proračunskih sredstev v prihodnosti v skladu z načelom enoletnosti zmanjšala na najnižjo možno raven.
In addition, in order to better align the budgetary funds available for the given year, EIOPA’s budget and procurement processes have already been revised to guarantee a full integration into the overall planning and coordination processes of EIOPA, within the framework of the Annual Work Programme. EIOPA reply 2014 
Da bi Organ dosegel boljšo usklajenost razpoložljivih proračunskih sredstev v zadevnem letu, je poleg tega že preoblikoval svoje proračunske postopke in postopke javnega naročanja tako, da so popolnoma usklajeni s postopki načrtovanja in usklajevanja v okviru letnega delovnega programa.
TheEuropeanInstituteofInnovationandTechnology(hereinafter"the Institute"), which is located in Budapest, was created by Regulation (EC) No 294/2008 of the European Parliament and of the Council1. 
Evropskiinštitutzainovacijeintehnologijo(vnadaljnjembesedilu:Inštitut)s sedežem v Budimpešti je bil ustanovljen z Uredbo (ES) št. 294/2008 Evropskega parlamenta in Sveta1.
The Institute's objective is to contribute to sustainable European economic growth and competitiveness by reinforcing the innovation capacity of the Member States and the European Union. 
Cilj Inštituta je s povečanjem inovacijske zmogljivosti držav članic in Evropske unije prispevati k trajnostni evropski gospodarski rasti in konkurenčnosti.
The Institute awards grants to "Knowledge and Innovation Communities", which link the higher education, research and business sectors with one another thereby boosting innovation and entrepreneurship2. 2. 
Inštitut dodeljuje donacije „skupnostim znanja in inovacij“, ki povezujejo visokošolski, raziskovalni in poslovni sektor, s čimer se pospešujejo inovacije in podjetništvo.2 2.
TheCommissiongrantedfinancialautonomytotheInstituteon8June2011. Therefore the audited period for the 2011 financial year runs from 8 June to 31 December 2011. 
KomisijajeInštitutupotrdilafinančnosamostojnost8.junija2011.Zatoje bilo za proračunsko leto 2011 revidirano obdobje od 8. junija do 31. decembra 2011.
INFORMATION IN SUPPORT OF THE STATEMENT OF ASSURANCE 3. 
INFORMACIJE V PODPORO IZJAVI O ZANESLJIVOSTI 3.
TheauditapproachtakenbytheCourtcomprisesanalyticalaudit procedures, direct testing of transactions and an assessment of key controls of the Institute’s supervisory and control systems. 
RevizijskipristopSodiščavključujeanalitičnerevizijskepostopke, neposredno preizkušanje transakcij in oceno ključnih kontrol nadzornega in kontrolnega sistema Inštituta.
STATEMENT OF ASSURANCE 4. 
IZJAVA O ZANESLJIVOSTI 4.
Pursuant to the provisions of Article 287 of the Treaty on the Functioning of the European Union, the Court has audited the annual accounts3 of the 1 2 3 OJ L 97, 9.4.2008, p. 
Sodišče je v skladu z določbami člena 287 Pogodbe o delovanju Evropske unije revidiralo letne računovodske izkaze3 Inštituta, ki jih sestavljajo 1 2 3 UL L 97, 9.4.2008, str.
It is presented for information purposes. These accounts are accompanied by a report on the budgetary and financial management during the year which gives further information on budget implementation and management. 
Tem računovodskim izkazom je priloženo poročilo o upravljanju proračuna in finančnem poslovodenju med letom, ki vsebuje podrobnejše informacije o izvrševanju in upravljanju proračuna.
9 3 Institute, which comprise the "financial statements"4 and the "reports on the implementation of the budget"5 for the financial year ended 31 December 2011, and the legality and regularity of the transactions underlying those accounts. 
9 3 „računovodski izkazi“4 in „poročila o izvrševanju proračuna“5 za proračunsko leto, ki se je končalo 31. decembra 2011, ter zakonitost in pravilnost transakcij, povezanih s temi izkazi.
The Management’s responsibility 5. 
Odgovornost poslovodstva 5.
Asauthorisingofficer,theDirectorimplementstherevenueandexpenditure of the budget in accordance with the financial rules of the Institute, under his own responsibility and within the limits of the authorised appropriations6. The Director is responsible for putting in place7 the organisational structure and the internal management and control systems and procedures relevant for drawing up final accounts8 that are free from material misstatement, whether due to fraud or error, and for ensuring that the transactions underlying those accounts are legal and regular. 
Direktorjekotodredbodajalecodgovorenzaizvrševanjeprihodkovin odhodkov proračuna v skladu s finančnimi pravili Inštituta in v mejah odobrenih proračunskih sredstev.6 Odgovoren je za vzpostavitev7 organizacijske strukture, notranjih upravljavskih in kontrolnih sistemov ter postopkov za pripravo končnih računovodskih izkazov8 brez pomembno napačne navedbe zaradi goljufije ali napake ter za zagotovitev zakonitosti in pravilnosti transakcij, povezanih s temi izkazi.
The Auditor’s responsibility 6. 
Revizorjeva odgovornost 6.
TheCourt’sresponsibilityistoprovide,onthebasisofitsaudit,the European Parliament and the Council9 with a statement of assurance as to the reliability of the annual accounts of the Institute and the legality and regularity of the transactions underlying them. 
Sodiščejeodgovorno,danapodlagisvojerevizijeEvropskemuparlamentu in Svetu9 predloži izjavo o zanesljivosti letnih računovodskih izkazov Inštituta ter o zakonitosti in pravilnosti z njimi povezanih transakcij.
The budget implementation reports comprise the budget outturn account and its annex. Article 33 of Commission Regulation (EC, Euratom) No 2343/2002 (OJ L 357, 31.12.2002, p. 
Poročila o izvrševanju proračuna vsebujejo izkaz realizacije proračuna in njegovo Člen 33 Uredbe Komisije (ES, Euratom) št. 2343/2002 (UL L 357, 31.12.2002, str.
23), and are integrated as such in the Financial Regulation of the Institute. 
23), in so sestavni del finančne uredbe Inštituta.
ADB001391EN05-12PP-CH074-12APCFIN-RAS-2011_EIT-OR.DOC 25.09.2012 
ADB001391SL05-12PP-CH074-12APCFIN-RAS-2011_EIT-TR.DOC 25.9.2012
10 The Final Annual Accounts were drawn up on 28 June 2012 and received by the Court on 10 July 2012. 
10 Končni letni računovodski izkazi so bili pripravljeni 28. junija 2012, Sodišče pa jih je prejelo 10. julija 2012.
These can be found on the following website: http://eit.europa.eu. 
Na voljo so na spletni strani http://eit.europa.eu.
TheCourtconducteditsauditinaccordancewiththeIFACInternational Standards on Auditing and Codes of Ethics and the INTOSAI International Standards of Supreme Audit Institutions. 
Sodiščejerevizijoizvedlovskladuzmednarodnimistandardirevidiranjain etičnim kodeksom MZRS ter mednarodnimi standardi za vrhovne revizijske institucije INTOSAI.
These standards require that the Court plans and performs the audit to obtain reasonable assurance as to whether the annual accounts of the Institute are free of material misstatement and the transactions underlying them are legal and regular. 
Ti standardi določajo, da mora Sodišče revizijo načrtovati in opraviti tako, da pridobi razumno zagotovilo, da so računovodski izkazi Inštituta brez pomembno napačne navedbe in da so z njimi povezane transakcije zakonite in pravilne.
The Court considers that the audit evidence obtained is sufficient and appropriate to provide a basis for the opinions set out below. 
Sodišče meni, da so pridobljeni revizijski dokazi zadostna in ustrezna osnova za njegovo izjavo o zanesljivosti.
Opinion on the reliability of the accounts 10.In the Court’s opinion, the Institute’s Annual Accounts10 present fairly, in all material respects, its financial position as of 31 December 2011 and the results of its operations and its cash flows for the year then ended, in accordance with ADB001391EN05-12PP-CH074-12APCFIN-RAS-2011_EIT-OR.DOC 25.09.2012 
Mnenje o zanesljivosti računovodskih izkazov 10.Po mnenju Sodišča letni računovodski izkazi Inštituta10 v vseh pomembnih vidikih pošteno predstavljajo njegovo finančno stanje na dan 31. decembra 2011 ter rezultate njegovega poslovanja in denarne tokove za leto, ki se je ADB001391SL05-12PP-CH074-12APCFIN-RAS-2011_EIT-TR.DOC 25.9.2012
COMMENTS ON BUDGETARY AND FINANCIAL MANAGEMENT 13.The rate of execution of the Institute’s budget for the audited period of financial autonomy (see paragraph 2) was low. 
PRIPOMBA O UPRAVLJANJU PRORAČUNA IN FINANČNEM POSLOVODENJU 12.Stopnja izvrševanja proračuna Inštituta v revidiranem obdobju finančne samostojnosti (glej odstavek 2) je bila nizka.
Comparing payments with appropriations committed, the rate was 56 % for Title I (staff expenditure), 30 % for Title II (administrative expenditure) and 11 % for Title III (operational expenditure). 
Primerjava plačil in odobritev, za katere so bile prevzete obveznosti, kaže, da je bila ta stopnja 56 % za naslov I (odhodki za zaposlene), 30 % za naslov II (upravni odhodki) in 11 % za naslov III (operativni odhodki).
14.Grant agreements resulting in payments in 2011 were systematically signed by the European Commission (Directorate General for Education and Culture) and the Institute after most of the activities had already been implemented. 
13.Sporazume o donacijah, ki so privedli do plačil v letu 2011, sta Evropska komisija (Generalni direktorat za izobraževanje in kulturo) in Inštitut sistematično podpisovala po tem, ko je bila večina dejavnosti že izvršenih.
Between September and December 2011, the Institute made final payments12, amounting to 4,2 million euro, related to three grant agreements that were signed well after the start of activities13. This is an issue in terms of good financial management. 11 12 Advance payments had been made by the European Commission. 
Inštitut je med septembrom in decembrom 2011 izvršil končna plačila12 v višini 4,2 milijona EUR za tri sporazume o donacijah, ki so bili podpisani precej po 11 12 5 takrat končalo, v skladu z določbami njegove finančne uredbe in računovodskimi pravili, ki jih je sprejel računovodja Komisije11.