natgillin/translations-raw huggingface dataset:
JSTs regularly monitor a broad range of indicators as part of the SREP although it is not ensured that this is done consistently across JSTs and not all assessments made are subject 27 Only the overall SREP score is mentioned, but not the RAS components which are part of the ECB’s crisis identifier according to its internal processes. 36 
Skupne nadzorniške skupine redno spremljajo širok nabor kazalnikov kot del procesa nadzorniškega 26 Omenjena je samo skupna ocena, generirana kot rezultat procesa nadzorniškega pregledovanja in ovrednotenja, ne pa tudi komponente sistema ocenjevanja tveganj, ki so v skladu z internimi procesi ECB del njenega kriznega identifikatorja. 35
to management approval. The ECB has not comprehensively analysed which indicators or other events have mainly contributed to the identification of banks in crisis. ... and monitoring systems need enhancement 80. 
ECB ni celostno analizirala, kateri kazalniki ali drugi dogodki so v glavnem prispevali k ugotovitvi kriznih razmer v bankah. ... sisteme spremljanja pa je treba okrepiti 80.
Recovery plan triggers based on institution-specific reporting are not embedded in the IT system used by the ECB. 
Sprožilni dejavniki za izvedbo načrta sanacije, ki temeljijo na poročanju, specifičnem za posamezno institucijo, niso vgrajeni v sistem IT, ki ga uporablja ECB.
They have to be monitored manually by each JST – if they are monitored at all – and (near-) breaches are not automatically flagged. 
Ročno jih mora spremljati vsaka posamezna skupna nadzorniška skupina – če jih sploh spremlja – za (skorajšnje) kršitve pa ni samodejnega opozorila.
This adversely affects the operational efficiency of the management of crisis identification. 
To negativno vpliva na operativno učinkovitost pri upravljanju procesa ugotavljanja kriznih razmer.
Various units of the ECB contribute to the operational management of crisis identification. 
Različne enote ECB prispevajo k operativnemu upravljanju procesa ugotavljanja krize.
They produce a wide range of material containing information relevant for crisis identification, including reports on breaches of regulatory requirements and the monitoring of critical levels for specific risks. 
Pripravljajo raznovrstne dokumente z informacijami, ki so relevantne za ugotavljanje krize, vključno s poročili o kršitvah regulativnih zahtev in spremljanjem kritičnih ravni za specifična tveganja.
However, we were unable to establish that there is a clearly defined process for collating, assessing, reporting upwards and acting on this information. 
Vendar pa Sodišče ni moglo ugotoviti, ali obstaja jasno opredeljen proces za združevanje in ocenjevanje teh informacij, poročanje o njih hierarhiji in ukrepanje na njihovi podlagi.
We were also unable to determine whether and to what extent JSTs or senior management systematically use these reports for crisis identification. 
Prav tako nismo mogli ugotoviti, ali in koliko skupne nadzorniške skupine ali višje vodstvo sistematično uporabljajo ta poročila za ugotavljanje krize.
In addition, we saw nothing to suggest the existence of management information systems that would flag a material deterioration if JSTs fail to identify and/or report such cases. 
Poleg tega nismo našli dokazov za obstoj upravljavskih informacijskih sistemov, ki bi opozarjali na bistveno poslabšanje stanja, kadar skupne nadzorniške skupine takih primerov poslabšanja ne bi odkrile in/ali poročale o njih.
There is also no specific process to ensure that breaches of regulatory requirements will prompt the responsible JST to look into whether a material deterioration of the financial condition has occurred or an FOLTF assessment is needed. 
Prav tako ni posebnega procesa, ki bi zagotavljal, da ob kršitvi regulativnih zahtev odgovorna skupna nadzorniška skupina preveri, ali je prišlo do bistvenega poslabšanja finančnega stanja oziroma ali ali je potrebna ocena, ali banka propada ali bo verjetno propadla.
In particular, we found deficiencies in the process to monitor of breaches of recovery plan indicators. 
Natančneje, Sodišče je ugotovilo pomanjkljivosti pri procesu spremljanja kršitev kazalnikov za sprožitev načrta sanacije.
Efficient monitoring however would enhance the operational capacity to identify potential crisis at an early stage. 
Vendar bi učinkovito spremljanje okrepilo operativno zmogljivost za ugotovitev potencialne krize v zgodnji fazi.
Breaches were reported by banks with a delay of at least four weeks28 in more than 40 % of cases. 
Banke so v več kot 40 % primerov kršitve sporočile z zamudo vsaj štirih tednov.27 Kršitve so se nanašale na kapitalske kazalnike 27 V nekaterih primerih je bila zamuda daljša od 6 mesecev.
Breaches concerned capital indicators (roughly 30 %), profitability indicators (26 %), asset quality indicators (17 %) and, to a lesser extent liquidity and market-based indicators. 
(približno 30 %), kazalnike dobičkonosnosti (26 %), kazalnike kakovosti sredstev (17 %), v manjši meri pa tudi na kazalnike likvidnosti in tržne kazalnike.
Moreover, there was evidence suggesting that JSTs do not adhere to the ECB’s crisis management processes in all cases. 
Poleg tega so obstajali dokazi, na podlagi katerih bi se dalo sklepati, da skupne nadzorniške skupine ne spoštujejo procesov kriznega upravljanja ECB v vseh primerih.
For example, some breaches of recovery plan indicators were not reported to the CRM as they ought to have been. 
Nekatere kršitve kazalnikov načrtov sanacije na primer niso bile sporočene oddelku za krizno upravljanje, kot bi morale biti.
We were unable to confirm that crisis management activities such as formal early intervention assessments, have been considered even in cases of breaches of important regulatory rules, although it is represented to us that in a number of cases which were considered, there were already supervisory or early intervention measures in place to mitigate the issue arising. 
Sodišče ni moglo potrditi, da se je razmišljalo o dejavnostih kriznega upravljanja, kot je ocena o zgodnjem posredovanju, niti ne v primerih kršitev pomembnih regulativnih zahtev, čeprav nam je bilo predstavljeno, da so v več obravnavanih primerih že veljali nadzorni ukrepi ali ukrepi za zgodnje posredovanje, s katerimi naj bi se ublažil nastajajoč problem.
There was also no evidence of a systematic approach to ensure that potential micro-prudential impacts of macroeconomic developments and the build-up of systemic risk are taken into account to increase the efficiency of crisis identification. 
Prav tako ni bilo dokazov o obstoju sistematičnega pristopa, s katerim bi se zagotovilo, da se za povečanje učinkovitosti procesa ugotavljanja kriz upoštevajo potencialni mikrobonitetni učinki makroekonomskih gibanj in kopičenje sistemskega tveganja.
The ECB’s supervisory and monetary functions exchange information on macro-and micro-prudential developments. 
Nadzorna funkcija in funkcija monetarne politike ECB si izmenjujeta informacije o makro-in mikrobonitetnih gibanjih.
However, we did not see evidence that such developments are specifically taken into account by the ECB in its supervision, for example through the scaling of certain risk factors in the RAS, or systematically assessed in the SREP. 
Vendar nismo našli dokazov, da ECB takšna gibanja posebej upošteva pri svojem nadzoru, na primer s prilagajanjem pomena nekaterih dejavnikov tveganja v sistemu ocenjevanja tveganj ali oceno teh gibanj v procesu nadzorniškega pregledovanja in ovrednotenja.
Nor were we shown any process for the systematic follow-up of systemic risks identified by the ESRB or other macro-prudential bodies. 
Prav tako nam ni bil predstavljen noben proces za sistematično nadaljnje spremljanje sistemskih tveganj, ki jih odkrije Evropski odbor za sistemska tveganja ali drugi makrobonitetni organi.
The lack of a centralised monitoring of indicators also has the potential to negatively impact management efficiency. 
Tudi neobstoj centraliziranega spremljanja kazalnikov bi lahko negativno vplival na učinkovitost upravljanja.
We could not find evidence that the ECB’s management information systems provide senior management with a comprehensive, up-to-date overview of all institutions under crisis management. 
Sodišče ni moglo najti dokazov, da bi upravljavski informacijski sistemi ECB višjemu vodstvu zagotavljali celovit, posodobljen pregled vseh institucij, ki so v postopku kriznega upravljanja.
Such a data set would assist management to discharge their tasks and thus contribute to operational efficiency. 
Tak sklop podatkov bi vodstvu pomagal pri izpolnitvi njihovih nalog in tako prispeval k operativni učinkovitosti.
There is no ‘report by exception’ system to ensure that information is automatically escalated to the appropriate hierarchical levels if it meets pre-defined criteria. 
Ni sistema „poročanja o izjemah”, s katerim bi se zagotovilo, da se informacije, samodejno posredujejo ustrezni hierarhični ravni, če izpolnjujejo vnaprej določena merila.
There does not appear to be a clearly defined follow-up process in place. 
Zdi se, da ni vzpostavljen jasno določen proces za nadaljnje spremljanje.
According to an internal audit report, JSTs do not make efficient use of the ECB’s follow-up system for ongoing supervision, and the follow-up given to the vast majority of the requirements in supervisory board decisions was not even documented (for a sample drawn by internal audit, 81 % of cases were not recorded in the system and for 17 % there was no documentation of the related action). 38 
Na podlagi informacij iz poročila o notranji reviziji skupne nadzorniške skupine za stalni nadzor ne uporabljajo učinkovito sistema ECB za nadaljnje spremljanje, nadaljnje spremljanje velike večine zahtev iz sklepov nadzornega odbora pa sploh ni bilo dokumentirano (v vzorcu, ki ga bil izbran za notranjo revizijo, 81 % primerov ni bilo evidentiranih v sistemu, za 17 % pa ni bilo dokumentacije v zvezi z zadevnim ukrepom).
It is very much down to supervisory teams to decide just when to make early intervention assessments and how to present them 88. 
Odločitev, kdaj se bo opravila ocena za zgodnje posredovanje in kako bo predstavljena, je zelo odvisna od posamezne nadzorne skupine 88.
The evidence we obtained regarding the efficiency of the ECB’s operational management for crisis identification was neither sufficient nor representative. Nevertheless, it highlighted certain design weaknesses. 
Dokazi, ki jih je pridobilo Sodišče v zvezi z učinkovitostjo operativnega upravljanja ECB pri procesu ugotavljanja kriz, niso bili niti zadostni niti reprezentativni.
We found from documentation and interviews that early intervention assessments take place principally in the context of the annual SREP exercise, i.e. at the same time every year. 
Iz dokumentacije in razgovorov smo ugotovili, da se ocenjevanje za zgodnje posredovanje načeloma opravlja v okviru letnega procesa nadzorniškega pregledovanja in ovrednotenja, tj. vsako leto ob istem času.
In principle, formal early intervention assessments should also be triggered on foot of significant events in the course of a year. 
Načeloma bi bilo treba uradne ocene o zgodnjem posredovanju sprožiti tudi na podlagi pomembnih dogodkov tekom leta.
The ECB has maintained that such cases do occur, but they were not evident in our sample. 
ECB je navedla, da se taki primeri zgodijo, vendar jih v našem vzorcu nismo odkrili.
In fact, based on the limited evidence available to us, it appears that in some cases apparently important regulatory breaches did not lead to a formal early intervention assessment exercises separate from the SREP process, although, this does not exclude the possibility that the ECB nonetheless considered taking appropriate supervisory or early intervention measures. 
Na podlagi omejenih dokazov, ki so nam bili na voljo, se pravzaprav zdi, da v nekaterih primerih očitno pomembne kršitve regulativnih zahtev niso vodile do ocen o zgodnjem posredovanju, ki bi bile ločene od procesa nadzorniškega pregledovanja in ovrednotenja, čeprav to ne izključuje možnosti, da je ECB kljub temu razmišljala o sprejetju ustreznih nadzornih ukrepov ali ukrepov za zgodnje posredovanje.
As required by the EBA guidelines and ECB guidance, the early intervention assessments given us by the ECB generally included statements as to whether regulatory requirements had been or were likely to be infringed. 
Kot je zahtevano v smernicah Evropskega bančnega organa in ECB so ocene v zvezi z zgodnjim posredovanjem, ki nam jih je predložila ECB, običajno vključevale zaključke o tem, ali so bile oz. ali je verjetno, da bodo kršene regulativne zahteve.
All cases related to breaches (or likely breaches) of capital requirements, and none to breaches (or likely breaches) of liquidity requirements. 
Vsi primeri so se nanašali na kršitve (ali verjetne kršitve) kapitalskih zahtev in nobena na kršitve (ali verjetne kršitve) likvidnostnih zahtev.
There was no reference to infringements of other regulatory requirements, in particular serious weaknesses identified in an institution’s governance and risk management framework in the course of the ECB’s ongoing supervision, and no systematic mention of previous infringements. 
Niso bile navedene kršitve drugih regulativnih zahtev, zlasti resne pomanjkljivosti, odkrite med stalnim nadzorom, ki ga izvaja ECB, v upravljanju institucije in okviru za obvladovanje tveganj, prav tako pa se niso sistematično navajale prejšnje kršitve.
Overall, we were unable to establish that all relevant supervisory findings are reflected in the formal early intervention assessment documents. 
Na splošno Sodišče ni moglo potrditi, da so bile v uradnih dokumentih v zvezi z ocenami za zgodnje posredovanje upoštevane vse relevantne ugotovitve v zvezi z nadzorom.
The conclusions we saw on breaches or likely breaches were based principally on banks’ reported figures and projections, even in cases where the ECB had evidence that the reported figures were questionable, although we understand this may have been mitigated in some cases by sensitivity analyses indicating a range of possible outcomes for the bank in question, or other actions. 39 
o kršitvah ali verjetnih kršitvah, ki smo jih preučili, so temeljili v glavnem na podatkih in projekcijah, ki so jih predložile banke, tudi v primerih, ko je ECB imela dokaze, da so bili predloženi podatki vprašljivi, kljub temu pa razumemo, da je bil ta položaj v nekaterih primerih morda ublažen z analizami občutljivosti, ki so za zadevno banko pokazale več možnih izidov, ali drugimi ukrepi.
Crisis response 92. 
Krizno odzivanje 92.
When a bank is identified as being in crisis, the JSTs are expected to increase their supervisory scrutiny and are charged with determining the appropriate response in close coordination with the CRM. 
Če se ugotovi, da je banka v krizi, morajo skupne nadzorniške skupine okrepiti nadzorniške preglede, zadolžene pa so tudi za določitev ustreznega odziva v tesnem sodelovanju z oddelkom za krizno upravljanje.
This includes proposing the use of early intervention and other supervisory powers and, depending on the severity of the crisis, may involve performing an FOLTF assessment. 
To obsega predlog za aktivacijo zgodnjega posredovanja in drugih nadzornih pooblastil ter – odvisno od resnosti krize – lahko pomeni tudi izvedbo ocene, ali banka propada ali bo verjetno propadla.
The nature and extent of intensified supervisory activity are defined by each JST 93. 
Naravo in obseg okrepljenih nadzorniških dejavnosti opredeli vsaka posamezna skupna nadzorniška skupina 93.
The ECB did not give us evidence of any formal guidance concerning the stepping-up of supervisory scrutiny (how, to what extent and with what options). 
ECB nam ni predložila dokazov o kakršnih koli uradnih smernicah glede okrepitve nadzornih pregledov (kako in v kakšnem obsegu se izvaja ter kakšne možnosti obstajajo).
We were told that the usual practice is to increase interaction with a bank’s senior management and require more frequent and detailed reporting prior to the formal triggering of crisis management activities. 
Bilo pa nam je rečeno, da je običajna praksa, da se okrepijo stiki z višjim vodstvom banke in zahteva pogostejše in natančnejše poročanje, preden se uradno uvedejo dejavnosti kriznega upravljanja.
Liquidity monitoring tools have been established ... 
Vzpostavljena so bila orodja za spremljanje likvidnosti ...
The availability of complete and up-to-date liquidity data is essential for operational efficiency in the management of a bank in crisis. 
Razpoložljivost popolnih in posodobljenih podatkov o likvidnosti je bistvenega pomena za operativno učinkovitosti pri upravljanju banke v krizi.
The ECB has therefore designed a liquidity reporting template for banks to use in crisis situations. 
ECB je zato za banke v kriznih razmerah pripravila predlogo za poročanje o likvidnosti.
This covers the provision of key information on funding and liquidity. 
V njej je treba navesti ključne informacije o financiranju in likvidnosti.
In addition, institutions are asked to give their own assessment and explain their expectations. 
Poleg tega se institucije pozove, naj predložijo lastne ocene in pojasnijo svoja pričakovanja.
However, banks are not required to share underlying assumptions. 
Vendar pa bankam ni treba razkriti temeljnih predpostavk.
Another potential flaw is the fact that the data is collected at group level only, which might mean that a crisis at subsidiary level could hamper its usefulness in providing critical information needed by the ECB to efficiently manage the situation. ... but to be operationally efficient the process would need to quantify incurred or likely losses 96. 
Dodatna potencialna pomanjkljivost je to, da se podatki zbirajo samo na ravni skupine, kar zna pomeniti, da bi kriza na ravni odvisne družbe lahko negativno vplivala na uporabnost teh podatkov pri zagotavljanju kritičnih informacij, ki jih ECB potrebuje za učinkovito upravljanje razmer. 39
Equally important for operationally efficient crisis management is the identification and assessment of the impact of adverse developments on equity. 
Enako pomembna za operativno učinkovitost kriznega upravljanja sta ugotovitev in ocena učinka negativnih gibanj na kapital.
As early intervention has the objective of restoring a bank to viability, it is necessary to develop a view on unrecognised 40 and likely losses and other factors that are not yet reflected in the bank’s figures. 
Ker je cilj zgodnjega posredovanja ponovna vzpostavitev vitalnosti banke, je treba preučiti nepripoznane in verjetne izgube in druge dejavnike, ki še niso vidni v podatkih banke.
Based on the evidence we saw, we cannot confirm that there is an efficient process including guidance to JSTs for ensuring that the magnitude of a given problem is estimated before crisis response measures are considered. 
Na podlagi dokazov, ki so nam bili predstavljeni, ne moremo potrditi, da je uveden učinkovit proces, vključno s smernicami za skupne nadzorniške skupine, s katerim bi se zagotovilo, da se pred preučitvijo ukrepov kriznega odzivanja oceni resnost zadevnega problema.
Management of a crisis situation also requires more in-depth information. 
Upravljanje kriznih razmer zahteva tudi bolj poglobljene informacije.
The ECB has a standard tool for monitoring non-performing loans (NPLs) that provides some insight. 
ECB ima standardno orodje za spremljanje slabih posojil, ki zagotavlja nekaj vpogleda.
According to the EBA guidelines, where the lowest SREP score is combined with concerns about asset quality the ECB should consider gathering information for the valuation of a bank’s assets, including through on-site inspections in the context of the early intervention assessment. 
V skladu s smernicami Evropskega bančnega organa, mora ECB – kadar ob najnižji oceni, dobljeni v procesu nadzorniškega pregledovanja in ovrednotenja, obstajajo tudi pomisleki glede kakovosti sredstev – razmisliti o tem, da bi zbrala informacije za vrednotenje sredstev banke, vključno z inšpekcijami pregledi na kraju samem v okviru ocenjevanja za zgodnje posredovanje.
However, we found no evidence of such a procedure at the ECB. 
Vendar pa Sodišče na ECB ni našlo dokazov o takem postopku.
At times when urgent decision-making is required, the lack of such information may adversely affect the efficiency of management operations. 
V trenutkih, ko je potrebno nujno sprejetje odločitve, lahko pomanjkanje takih informacij negativno vpliva na učinkovitost operacij upravljanja.
The ECB has limited available on-site inspection teams to carry out a detailed analysis of asset quality for crisis banks. 
ECB ima malo razpoložljivih ekip za inšpekcijske preglede na kraju samem, ki bi opravile podrobno analizo kakovosti sredstev za banke v kriznih razmerah.
Even where a JST has identified problems in the asset portfolio, the regular on-site inspection process may last up to a year. 
Tudi kadar skupna nadzorniška skupina odkrije probleme v naložbenem portfelju, lahko proces rednega inšpekcijskega pregleda na kraju samem traja do enega leta.
This limits the operational capacity to react swiftly to crisis. 
To omejuje operativne zmogljivosti za hitro odzivanje na krize.
Certain banks have a high SREP score owing to a high rate of NPLs or other asset quality issues identified through specific ECB exercises. 
Nekatere banke imajo visoko oceno iz procesa nadzorniškega pregledovanja in ovrednotenja zaradi visokega deleža slabih posojil ali drugih problemov v zvezi s kakovostjo 40
The ECB’s management has no summary information on the extent to which these issues have been assessed by way of on-site inspections or other means, and no forward-looking process for gathering information in this manner. 
Vodstvo ECB nima nobenega povzetka informacij o tem, koliko so bili ti problemi ocenjeni z inšpekcijskimi pregledi na kraju samem ali na druge načine in nobenega v prihodnost usmerjenega procesa za zbiranje informacij na ta način.
More guidance is required on legal powers and practical measures ... 
Potrebnih je več smernic o pravnih pooblastilih in praktičnih ukrepih ...
To ensure operational efficiency of the management of its crisis response the ECB needs: (a) a clear understanding of the legal powers at its disposal and guidance on their use; 41 42 (b) a clear understanding of the range of practical measures available in any given scenario; (c) a means for ensuring that findings from the recovery plan assessment are duly taken into account; (d) guidance, tools and training. 
ECB za zagotovitev operativne učinkovitosti upravljanja svojega kriznega odzivanja potrebuje: (a) jasno razumevanje pravnih pooblastil, ki jih ima, in smernice za njihovo uporabo; (b) jasno razumevanje nabora praktičnih ukrepov, ki so na voljo v posameznih scenarijih; (c) mehanizem, s katerim se zagotovi, da se ugotovitve v okviru ocene načrta sanacije ustrezno upoštevajo; (d) smernice, orodja in usposabljanje.
The first prerequisite for operationally efficient crisis management is a clear understanding of the powers at the ECB’s disposal and the legal conditions for their use. 
Osnovni pogoj za operativno učinkovito krizno upravljanje je jasno razumevanje pooblastil, ki jih ima ECB, ter pravnih pogojev za njihovo uporabo.
The ECB has general procedures for the use of supervisory powers that extends to imposing measures in a crisis situation. 
ECB ima vzpostavljene splošne postopke za uporabo nadzornih pooblastil, ki segajo vse do naložitve ukrepov v kriznih razmerah.
It also has a draft decision template and a checklist with questions to be covered when performing an early intervention assessment. 
Ima tudi predlogo za osnutek sklepa in kontrolni seznam z vprašanji, ki jih je treba obravnavati pri izvajanju ocene za zgodnje posredovanje.
However, these do not provide individual supervisors with guidance on using their supervisory judgement in a crisis situation. 
Vendar pa ti ne vsebujejo smernic za posamezne nadzornike o izvedbi nadzornikove presoje v kriznih razmerah.
Moreover, there are a number of specific challenges to enforcing the regulatory framework in a crisis situation. 
Poleg tega obstajajo številni specifični izzivi v zvezi z izvajanjem regulativnega okvira v kriznih razmerah.