natgillin/translations-raw huggingface dataset:
In this Communication, the Commission recommended to the European Council to act with a view to the rapid adoption, by the Heads of State or Government of the Schengen Member States together with their counterparts of the Schengen Associated States, of a temporary restriction of non-essential travel from third countries into the EU+ area 2 . 
Komisija je v tem sporočilu Evropskemu svetu predlagala, naj ukrepa, da bi voditelji držav oziroma vlad držav članic schengenskega območja, skupaj z njihovimi vrstniki v pridruženih schengenskih državah, hitro sprejeli usklajeno odločitev o uporabi začasne omejitve nenujnih potovanj iz tretjih držav na območje EU+ 2 .
Banks in the EU are today much more resilient than they were in 2008. 
Banke v EU so danes veliko odpornejše, kot so bile leta 2008.
4.Role and responsibility of the banking sector 
4.Vloga in odgovornost bančnega sektorja
1.3.Need for a coordinated response 
1.3.Potreba po usklajenem odzivu
The EU has demonstrated its ability to respond to the crisis swiftly. 
EU je dokazala, da se je sposobna hitro odzvati na krizo.
The Commission is adopting today a legislative proposal to implement these amendments in Union law 41 . 
Komisija danes sprejema zakonodajni predlog za izvajanje teh sprememb v zakonodaji Unije 41 .
The most acute part of the economic contraction will be felt in the coming months. 
Najtežji del krčenja gospodarstva bo čutiti v prihodnjih mesecih.
These issues will be considered in the review of the Consumer Credit Directive (2008/48/EC) and the Mortgage Credit Directive (2014/17/EU), foreseen in 2021. 
Ta vprašanja bodo obravnavana v okviru pregleda direktive o potrošniških kreditih (2008/48/ES) in direktive o hipotekarnih kreditih (2014/17/EU), ki je predviden za leto 2021.
As of the second quarter of 2018, only 56% of EU banks in the EU used the transitional arrangements 39 . 
Od drugega četrtletja leta 2018 naprej je le 56 % bank EU v EU uporabilo prehodne ureditve 39 .
Transitional arrangement in the Capital Requirements Regulation 
Prehodna ureditev v Uredbi o kapitalskih zahtevah
The Commission welcomes these measures and encourages banks to use this flexibility. 
Komisija pozdravlja te ukrepe in spodbuja banke, naj uporabijo to prožnost.
The response must be a European one, avoiding national fragmentation and uncoordinated action. 
Odziv mora biti evropski, izogibati se je treba nacionalni razdrobljenosti in neusklajenim ukrepom.
In the Euro area, only 34 banks under direct ECB supervision have used this option. 
V euroobmočju je to možnost izkoristilo le 34 bank pod neposrednim nadzorom ECB.
They aim to address systemic risks and alleviate potential risks that may occur in the wider EU economy in the future. 
Njihov cilj je obravnavati sistemska tveganja in ublažiti morebitna tveganja, ki bi lahko nastala v širšem gospodarstvu EU v prihodnosti.
Assessment of a Significant Increase in Credit Risk 
Ocena znatnega povečanja kreditnega tveganja
It is therefore crucial that banks continue to lend to households and businesses and across the Union. 
Zato je bistvenega pomena, da banke še naprej zagotavljajo posojila gospodinjstvom in podjetjem ter po vsej Uniji.
The Commission's work at the global level includes (i) sharing information on measures that the EU is taking, (ii) contributing to the global policy response and (iii) facilitating the implementation of globally agreed measures in the EU. 
Delo Komisije na svetovni ravni vključuje (i) posredovanje informacij o ukrepih, ki jih sprejema EU, (ii) prispevanje h globalnemu odzivu politike in (iii) omogočanje izvajanja globalno dogovorjenih ukrepov v EU.
Consequently, the amount of expected credit losses will be lower because a part of the losses will be compensated by the guarantee. 
Posledično bo znesek pričakovanih kreditnih izgub nižji, ker se bo del izgub izravnal z jamstvom.
Public and private moratoria should be treated similarly to the extent they have the same purpose and similar characteristics. 
Zakonske in zasebne moratorije bi bilo treba obravnavati podobno, če imajo enak namen in podobne značilnosti.
2.Flexibility embedded in IFRS 9 - Financial instruments 
2.Prožnost v MSRP 9 - Finančni instrumenti
In this way, the extent of damage to the EU economy can be contained and recovery will come sooner and stronger. 
Na ta način se lahko omeji škoda za gospodarstvo EU, okrevanje pa bo hitrejše in močnejše.
As the pandemic is global, and as banking operations often extend beyond national borders, the regulatory response once again needs to be coordinated at the global level. 
Ker je pandemija svetovna in ker bančne dejavnosti pogosto segajo prek nacionalnih meja, je treba regulativni odziv spet usklajevati na svetovni ravni.
The Commission also welcomes the recent statements by the BCBS 17 and the International Accounting Standards Board (IASB) 18 . 
Komisija pozdravlja tudi nedavni izjavi BCBS 17 in Upravnega odbora za mednarodne računovodske standarde (IASB) 18 .
Irrespective of the existence of a guarantee, the bank has to form an opinion as to whether the obligor is in a position to meet his obligations. 
Ne glede na obstoj jamstva mora banka oblikovati mnenje o tem, ali je dolžnik sposoben izpolniti svoje obveznosti.
At this stage of the COVID-19 crisis, many borrowers face temporary problems to meet their obligations. 
V tej fazi krize COVID-19 se številni posojilojemalci soočajo z začasnimi težavami pri izpolnjevanju svojih obveznosti.
The Commission acknowledges and welcomes the efforts of banks to help households and businesses to weather this unprecedented crisis 7 . 
Komisija priznava in pozdravlja prizadevanja bank za pomoč gospodinjstvom in podjetjem pri soočanju s to krizo brez primere 7 .
For these reasons, they could be considered as not affecting the classification of the loans concerned. 
Zato se lahko šteje, da ne vplivajo na razvrstitev zadevnih posojil.
Ensuring that flexibility in the rules applies in a consistent way contributes to preserving the integrity of the Single Market, which is essential for moving towards faster recovery. 
Zagotavljanje, da se prožnost v predpisih dosledno uporablja, prispeva k ohranjanju celovitosti enotnega trga, kar je bistvenega pomena za hitrejše okrevanje.
To this end, the Commission will work closely with all relevant stakeholders in the financial sector to support their role and engagement in supporting European businesses and households. 
V ta namen bo Komisija tesno sodelovala z vsemi zadevnimi zainteresiranimi stranmi v finančnem sektorju, da bi podprla njihovo vlogo in prizadevanja pri podpiranju evropskih podjetij in gospodinjstev.
Businesses are facing disruption in supply chains, temporary closures and reduced demand, while households are confronted with unemployment and a fall in income. 
Podjetja se soočajo z motnjami v dobavnih verigah, začasnimi zaprtji in zmanjšanim povpraševanjem, medtem ko se gospodinjstva spopadajo z brezposelnostjo in upadom dohodka.
5.Monitoring and follow-up 
5.Spremljanje in nadaljnji ukrepi
1.Introduction and context 
1.Uvod in ozadje
The single rulebook applies to all banks in the EU and the shock caused by the pandemic should not result in differentiated application of rules across Member States. 
Enotni pravilnik velja za vse banke v EU, šok zaradi pandemije pa ne bi smel povzročiti različne uporabe predpisov v državah članicah.
Broad changes are not advisable in this situation and they would rather increase banks' operational burden as banks would need to adjust to them. 
Obsežne spremembe v teh razmerah niso priporočljive in bi samo povečale operativno breme bank, saj bi se jim banke morale prilagoditi.
Commission Interpretative Communication on the application of the accounting and prudential frameworks to facilitate EU bank lending 
Razlagalno sporočilo Komisije o uporabi računovodskih in bonitetnih okvirov za olajšanje bančnega kreditiranja v EU
Banks should accelerate the digital transformation of their businesses and remain vigilant as regards fraud 53 . 
Banke bi morale pospešiti digitalno preobrazbo svojih poslovnih dejavnosti in ostati pozorne na goljufije 53 .
Unlike the global financial crisis, the economic shock caused by the COVID-19 outbreak does not originate from the banking sector or the wider financial system. 
V nasprotju s svetovno finančno krizo ekonomski šok, ki ga je povzročil izbruh COVID-19, ne izvira iz bančnega sektorja ali širšega finančnega sistema.
The stress tests exercises coordinated by the European Banking Authority (EBA) have shown that the EU banking sector is resilient enough to withstand a severe recession in a broad range of scenarios. 
Testi izjemnih situacij, ki jih usklajuje Evropski bančni organ (EBA), so pokazali, da je bančni sektor EU dovolj odporen, da vzdrži hudo recesijo v najrazličnejših scenarijih.
Moreover, sudden changes to the EU's accounting and prudential frameworks in the midst of a crisis could erode the public's trust in EU banks. 
Poleg tega bi lahko nenadne spremembe računovodskih in bonitetnih okvirov EU v obdobju krize zmanjšale zaupanje javnosti v banke EU.
In the context of social distancing imposed by public authorities, digital banking will gain ever more ground as a way to ensure continuity of banking services 54 . 
V razmerah omejevanja socialnih stikov, ki ga narekujejo javni organi, bo digitalno bančništvo pridobilo vedno večji pomen kot način za zagotavljanje kontinuitete bančnih storitev 54 .
The economic challenges posed by the COVID-19 pandemic can only be overcome with close cooperation between public and private actors. 
Gospodarske izzive, ki jih predstavlja pandemija COVID-19, je mogoče premagati le s tesnim sodelovanjem med javnimi in zasebnimi akterji.
The Commission encourages the ESRB to coordinate an EU-wide approach as regards the use of macroprudential buffers in the crisis and recovery phase. 
Komisija spodbuja ESRB, naj usklajuje pristop na ravni EU v zvezi z uporabo makrobonitetnih blažilnikov v času krize in v fazi okrevanja.
Thanks to global regulatory action in the wake of the 2008/2009 financial crisis, the global banking system has significantly higher levels of capital and liquidity today compared to the beginning of that crisis. 
Zaradi regulativnih ukrepov, sprejetih na svetovni ravni zaradi finančne krize 2008/2009, ima danes svetovni bančni sistem precej višje ravni kapitala in likvidnosti kot na začetku navedene krize.
Therefore, banks need to work with each other and together with public authorities to ensure there is adequate liquidity to secure lending across the Union. 
Banke morajo zato sodelovati med seboj in z javnimi organi, da bi zagotovile ustrezno likvidnost za zagotavljanje kreditiranja po vsej Uniji.
The banking sector would thus send a strong signal that it is collectively committed to play its part in dealing with the emergency. 
Bančni sektor bi tako poslal jasno sporočilo, da je kolektivno zavezan k sodelovanju pri odpravljanju izrednih razmer.
Guarantees or payment moratoria granted in the context of COVID-19, for instance, that have the same features, should be treated in the same way by supervisors across the Union. 
Npr. jamstva ali moratorije na plačila, odobrene v okviru COVID-19, ki imajo enake značilnosti, bi morali nadzorniki po vsej Uniji obravnavati na enak način.
Given the scale of the crisis, the banking sector and the wider financial system are expected to be fully engaged in supporting the public policy response. 
Glede na obseg krize se pričakuje, da si bosta bančni sektor in širši finančni sistem po svojih najboljših močeh prizadevala za podporo odzivu javne politike.
In this respect, the G20 has issued at its Ministerial meeting of 15 April an Action Plan providing a broad response to the COVID-19 crisis and its economic consequences, including actions in the sphere of financial regulation and supervision. 
V zvezi s tem je skupina G20 na ministrskem srečanju 15. aprila objavila akcijski načrt, ki zagotavlja širok odziv na krizo COVID-19 in njene gospodarske posledice, vključno z ukrepi na področju finančne regulacije in nadzora.
In the current circumstances, banks are also invited to adopt a conservative approach to the payment of variable remuneration. 
Banke so v sedanjih razmerah prav tako pozvane, naj sprejmejo konzervativen pristop k plačevanju variabilnih prejemkov.
Measures to help consumers may also need to be reinforced, because the decline in households' disposable income linked to job losses or decreased economic activity is likely to increase over-indebtedness in the EU. 
Morda bo treba okrepiti tudi ukrepe za pomoč potrošnikom, saj bo upad razpoložljivega dohodka gospodinjstev, povezan z izgubo delovnih mest ali zmanjšano gospodarsko dejavnostjo, verjetno povečal prezadolženost v EU.
For this purpose, the Commission will launch a dialogue with the European financial sector and other relevant stakeholders (businesses and consumers representatives) to explore ideas on how the sector should participate in efforts to support citizens and businesses through the crisis period and during the subsequent recovery, based on best practices and, going forward, facilitate a sustainable economic recovery based on the green and digital transitions in the context of the forthcoming renewed EU sustainable finance strategy. 
V ta namen bo Komisija začela dialog z evropskim finančnim sektorjem in drugimi ustreznimi zainteresiranimi stranmi (predstavniki podjetij in potrošnikov), da bi preučila zamisli o tem, kako bi moral sektor sodelovati v prizadevanjih za podporo državljanom in podjetjem v obdobju krize in med poznejšim okrevanjem, ob upoštevanju najboljših praks, ter v prihodnje prispevati k trajnostnemu gospodarskemu okrevanju na podlagi zelenega in digitalnega prehoda v okviru prihodnje prenovljene strategije EU za trajnostno financiranje.
The Commission furthermore welcomes the FSB's announcement of 2 April 58 to re-prioritise its work programme to maximise the value of its work for the COVID-19 response. 
Komisija poleg tega pozdravlja napoved FSB z dne 2. aprila 58 , da bo ponovno določil prednostne naloge svojega delovnega programa, da bi bilo njegovo delo za odziv na COVID-19 čim uspešnejše.
At the same time, the Commission will continue to contribute to an internationally coordinated response at the G20, G7 and FSB level including with the international standard-setting bodies, such as the BCBS, the FSB and the IASB. 
Hkrati bo Komisija še naprej prispevala k mednarodno usklajenemu odzivu na ravni G20, G7 in FSB, vključno z organi za določanje mednarodnih standardov, kot so BCBS, FSB in IASB.
1.2.Flexibility within the regulatory framework amid the COVID-19 crisis 
1.2.Prožnost znotraj regulativnega okvira v času krize COVID-19
In the current exceptional situation, retention of dividends represents a prudent adjustment to banks' distribution policies. 
V sedanjih izrednih razmerah predstavlja zadržanje dividend preudarno prilagoditev politik delitve dobička bank.
This Communication recalls the main features of the guidance issued by those authorities, with the aim to reinforce the collective commitment towards consistent and concerted application of the flexibility embedded in the Union's regulatory framework (sections 2 and 3). 
To sporočilo opozarja na glavne značilnosti smernic, ki so jih izdali navedeni organi, da bi se okrepila skupna zaveza k dosledni in usklajeni uporabi prožnosti v regulativnem okviru Unije (oddelka 2 in 3).
Where a government or other entity provides guarantees for bank loans to borrowers, banks need to take into account these loan guarantees when calculating the amount of expected credit loss. 
Če vlada ali drug subjekt jamči za bančna posojila posojilojemalcem, morajo banke pri izračunu zneska pričakovanih kreditnih izgub upoštevati ta jamstva za posojila.
The Commission plans to postpone the adoption of its legislative proposal on the final elements of the Basel III framework, but to still adopt in time for the outstanding Basel III standards to be effectively implemented in the EU by January 2023. 
Komisija namerava preložiti sprejetje zakonodajnega predloga o končnih elementih okvira Basel III, vendar bo to sprejetje še vedno pravočasno, da bi bili neizvedeni standardi Basel III v EU dejansko izvedeni do januarja 2023.
Loan guarantees neither increase nor reduce the default risk of the borrower, but they reduce the amount of credit losses if a default of the borrower actually occurs. 
Jamstva za posojila ne povečujejo ali zmanjšujejo tveganja neplačila posojilojemalca, vendar zmanjšujejo znesek kreditnih izgub, če dejansko pride do neplačila posojilojemalca.
Banks can play this role by maintaining the flow of credit to their most affected clients, in particular small and medium-sized enterprises (SMEs). 
Banke lahko prevzamejo to vlogo tako, da še naprej kreditirajo svoje najbolj prizadete stranke, zlasti mala in srednja podjetja (MSP).
The application of relief measures alone, which are designed to bridge short-term liquidity needs, should not automatically lead to a harsher accounting or prudential treatment where the financial situation does not otherwise deteriorate. 
Zgolj uporaba ukrepov pomoči, ki so namenjeni premostitvi kratkoročnih likvidnostnih potreb, ne bi smela samodejno privesti do strožje računovodske ali bonitetne obravnave, kadar se finančne razmere sicer ne poslabšajo.
It is imperative that all authorities continue to act in a coordinated and consistent manner when specifying how to use the flexibility embedded in their respective rules, with a view to provide maximum clarity and ensure a level playing field within the Single Market. 
Nujno je, da vsi organi še naprej ravnajo na usklajen in dosleden način, ko določajo, kako uporabljati prožnost v zadevnih predpisih, da bi se zagotovila čim večja jasnost in enaki konkurenčni pogoji na enotnem trgu.
These measures were taken with the clear objective of supporting banks so they can play their role in dealing with the COVID-19 crisis. 
Ti ukrepi so bili sprejeti z jasnim ciljem podpreti banke, da bi lahko prevzele svojo vlogo pri reševanju krize COVID-19.
The support measures are preventive in nature aiming at addressing the immediate impact of the COVID-19 crisis and the difficulties of foreseeing the likely pace of recovery. 
Podporni ukrepi so preventivne narave, njihov namen pa je obravnavati takojšen učinek krize COVID-19 in težave pri predvidevanju verjetne hitrosti okrevanja.
Therefore, banks are in a stronger position to absorb the shock of the global health crisis and ensure continued financing of the economy. 
Banke so zato v boljšem položaju za blažitev posledic svetovne zdravstvene krize in zagotavljanje nadaljnjega financiranja gospodarstva.
The Commission will take into account the impact of the COVID-19 crisis on banks' financial situation in the impact assessment that will accompany that proposal. 
Komisija bo upoštevala vpliv krize COVID-19 na finančno stanje bank v oceni učinka, ki bo priložena navedenemu predlogu.
They are not borrower-specific, as the length of the delays in payments is fixed for every borrower irrespective of the borrower's specific financial circumstances 48 . 
Niso prilagojena posameznemu posojilojemalcu, ker je dolžina zamud pri plačilih določena za vsakega posojilojemalca, ne glede na njegove posebne finančne okoliščine 48 .
In this regard, the EBA 42 and the ECB 43 have issued statements and guidance with the aim of providing clarity on how to handle in a consistent manner aspects related to (i) the classification of loans in default and (ii) the identification of forborne exposures. 
EBA 42 in ECB 43 sta v zvezi s tem podala izjave in smernice, katerih namen je razjasniti, kako dosledno obravnavati vidike, ki se nanašajo na (i) razvrstitev neodplačanih posojil in (ii) opredelitev restrukturiranih izpostavljenosti.
The European Parliament, in its Resolution of 17 April 8 , insisted on a proactive role for the banking sector in this crisis, while the EU ministers of finance, in their Statement 9 adopted on 16 April, called on the banking sector to support households and corporates affected by the COVID-19 outbreak, with the aim of ensuring business continuity. 
Evropski parlament je v svoji resoluciji z dne 17. aprila 8 vztrajno poudarjal proaktivno vlogo bančnega sektorja v tej krizi, medtem ko so finančni ministri EU v svoji izjavi 9 , sprejeti 16. aprila, pozvali bančni sektor, naj podpre gospodinjstva in podjetja, ki jih je prizadel izbruh COVID-19, da bi se zagotovilo neprekinjeno poslovanje.
Public authorities and bodies at Union, Member-State and international levels have taken swift and decisive actions to provide banks with the necessary measures to effectively channel funds to businesses and households. 
Javni organi in telesa na ravni Unije, držav članic in na mednarodni ravni so sprejeli hitre in odločne ukrepe, da bi bankam zagotovili potrebne ukrepe za učinkovito usmerjanje sredstev v podjetja in gospodinjstva.
If a forbearance measure leads to a diminished financial obligation (so-called "distressed restructuring"), this indicates that the borrower is unlikely to pay its obligation 47 . 
Če ukrep restrukturiranja vodi v zmanjšano finančno obveznost (tako imenovano „nujno prestrukturiranje"), to pomeni, da posojilojemalec verjetno ne bo poravnal svoje obveznosti 47 .
In addition, the IASB issued on 27 March a document on the application of IFRS 9 in the context of the COVID-19 crisis confirming the flexibility in IFRS 9 and referring explicitly to the statements of the ECB, EBA and ESMA 30 . 
Poleg tega je IASB 27. marca izdal dokument o uporabi MSRP 9 v okviru krize COVID-19, ki potrjuje prožnost v MSRP 9 in se izrecno sklicuje na izjave ECB, EBA in ESMA 30 .
At the same time, it is crucial that banks continue to measure risks in an accurate, consistent and transparent manner, as this is necessary to monitor the effects of the COVID-19 crisis on the EU economy and provides the foundation for a resilient banking sector. 
Hkrati je bistveno, da banke še naprej merijo tveganja na natančen, dosleden in pregleden način, saj je to potrebno za spremljanje učinkov krize COVID-19 na gospodarstvo EU in zagotavlja temelje za odporen bančni sektor.
Moratoria reset the date compared to which the ‘days past due' of borrowers should be calculated 28 . 
Moratoriji ponovno določijo datum, v primerjavi s katerim je treba izračunati „zapadle dneve" posojilojemalcev 28 .
Further impacts of the COVID-19 crisis on statutory audit of financial statements in general are included in CEAOB's statement 35 . 
Nadaljnji učinki krize COVID-19 na obvezno revizijo računovodskih izkazov na splošno so vključeni v izjavo CEAOB 35 .
Such disclosures allow market participants to make informed assessments on the credit risk exposures of banks. 
Takšna razkritja udeležencem na trgu omogočajo, da opravijo ocene na podlagi informacij o izpostavljenosti bank kreditnemu tveganju.
Banks that opted not to use the IFRS 9 transitional arrangements in 2018 could reverse that decision subject to prior approval from their competent authority. 
Banke, ki so se odločile, da v letu 2018 ne bodo uporabile prehodnih ureditev za MSRP 9, bi lahko to odločitev spremenile, če to predhodno odobri njihov pristojni organ.
Banks should use the capital buffers in order to maintain lending to the real economy and markets should not attach any stigma to their use under the present circumstances. 
Banke bi morale uporabljati kapitalske blažilnike, da bi ohranile kreditiranje realnega gospodarstva, trgi pa v sedanjih okoliščinah ne bi smeli stigmatizirati njihove uporabe.
The prudential rules on the classification of non-performing loans (NPLs) can accommodate relief measures such as guarantees and private or statutory moratoria. 
Bonitetni predpisi o razvrstitvi nedonosnih kreditov dopuščajo ukrepe pomoči, kot so jamstva in zasebni ali zakonski moratoriji.
The EBA and the Chair of the ECB's Supervisory Board have encouraged banks to exercise moderation regarding bonuses, and a number of national supervisors have already taken some actions in this regards. 
EBA in predsednik nadzornega sveta ECB sta pozvala banke k zmernosti v zvezi z nagradami, več nacionalnih nadzornikov pa je v zvezi s tem že sprejelo nekaj ukrepov.