natgillin/translations-raw huggingface dataset:
Razen tega je treba izpustiti obvezno triletno oceno vrednosti s strani zunanjega izvedenca za posojila, ki jih je predlagal Svet in presegajo 3 milijone EUR ali 5 % kapitala kreditne institucije, in mora biti najprej preverjeno, ali je novo ovrednotenje sploh potrebno.
Furthermore, as the Council proposes, loans in excess of EUR 3 million or 5% of the own capital of a credit institution, should be exempted from the requirement of a three-yearly valuation by an external assessor, and it should first be established whether a revaluation is in fact necessary.
Priloga VIII, del 2, odstavek 9, točka a, točka iv
Annex VIII, Part 2, paragraph 9, point (a), point (iv)
(iv) Dogovori o zavarovanju z denarnimi terjatvami morajo biti pravilno dokumentirano z jasnimi in zanesljivimi postopki za njegovo pravočasno unovčenje.
(iv) The collateral arrangements must be properly documented, with a clear and robust procedure for the timely collection of collateral.
Postopki kreditnih institucij zagotavljajo spoštovanje pravnih pogojev v zvezi z ugotavljanjem neplačila in pravočasnim unovčenjem zavarovanja z denarnimi terjatvami.
Credit institutions procedures shall ensure that any legal conditions required for declaring the default of the customer and timely collection of collateral are observed.
V primeru finančnih težav ali neplačila posojilojemalca je kreditna institucija pravno upravičena prodati ali odstopiti denarne terjatve tretjim osebam brez soglasja dolžnikov po denarnih terjatvah.
In the event of the borrower’s financial distress or default, the credit institution shall have legal authority to sell or assign the receivables to other parties without consent of the receivables obligors.
(iv) Dogovori o zavarovanju z denarnimi terjatvami morajo biti pravilno dokumentirani z jasnimi in zanesljivimi postopki za njegovo pravočasno unovčenje.
(iv) The collateral arrangements must be properly documented, with a clear and robust procedure for the timely collection of collateral.
Postopki kreditnih institucij zagotavljajo spoštovanje pravnih pogojev v zvezi z ugotavljanjem neplačila posojilojemalca in pravočasnim unovčenjem zavarovanja z denarnimi terjatvami.
Credit institutions procedures shall ensure that any legal conditions required for declaring the default of the borrower and timely collection of collateral are observed.
Razjasnitev in izboljšanje konsistence besedila, ki ju predlaga Svet, se podpreta.
The Council’s proposed clarification and improvement in the consistency of the text is hereby endorsed.
Priloga VIII, del 2, odstavek 9, točka (b), točka (ii)
Annex VIII, Part 2, paragraph 9, point (b), point (ii)
(ii) Razlika med zneskom izpostavljenosti in vrednostjo denarnih terjatev mora odražati vse ustrezne dejavnike, vključno s stroški unovčenja, koncentracijo znotraj skupine denarnih terjatev, ki jih je v zavarovanje dal posamezen kreditojemalec, in potencialno tveganje koncentracije znotraj celotne izpostavljenosti kreditne institucije, ki ni zajeto s splošno metodologijo kreditne institucije.
(ii) The margin between the amount of the exposure and the value of the receivables must reflect all appropriate factors, including the cost of collection, concentration within the receivables pool pledged by an individual borrower, and potential concentration risk within the credit institution’s total exposures beyond that controlled by the credit institution’s general methodology.
Kreditna institucija mora ohranjati neprekinjen proces spremljanja, ki ustreza denarnim terjatvam.
The credit institution must maintain a continuous monitoring process appropriate to the receivables.
Spremljati je treba upoštevanje omejitev skupne koncentracije za kreditne institucije .
Observance of the credit institution’s overall concentration limits shall be monitored.
Poleg tega je treba redno pregledovati skladnost s posojilnimi klavzulami, okoljskimi omejitvami in drugimi zakonskimi zahtevami.
Additionally, compliance with loan covenants, environmental restrictions, and other legal requirements shall be reviewed on a regular basis.
Priloga VIII, del 2, odstavek 10, točka a
Annex VIII, Part 2, paragraph 10, point (a)
a) Dogovor o zavarovanju s premoženjem je prisilno izvršljiv v vseh zadevnih pravnih redih in omogoča kreditni instituciji realizacijo vrednosti nepremičnine v razumnem času.
(a) The collateral arrangement shall be legally enforceable under all applicable laws and shall enable the credit institution to realise the value of the property within a reasonable timeframe.
a) Dogovor o zavarovanju s premoženjem je pravnomočno in pravno izvršljiv v vseh ustreznih pravnih redih in omogoča kreditni instituciji realizacijo vrednosti nepremičnine v razumnem času.
(a) The collateral arrangement shall be legally effective and enforceable in all relevant jurisdictions and shall enable the credit institution to realise the value of the property within a reasonable timeframe.
Priloga VIII, del 2, odstavek 10, točka (f)
Annex VIII, Part 2, paragraph 10, point (f)
(f) Kreditne politike kreditne institucije v zvezi s strukturo poslov obravnavajo zahteve glede zavarovanja, ki ustrezajo znesku izpostavljenosti, zmožnosti hitrega unovčenja zavarovanja, zmožnosti objektivnega določanja cene ali tržne vrednosti, pogostosti, s katero je mogoče hitro pridobiti vrednost (vključno s strokovno oceno ali vrednotenjem), in nestanovitnosti vrednosti zavarovanja s premoženjem.
(f) The credit institution’s credit policies with regard to the transaction structure shall address appropriate collateral requirements relative to the exposure amount, the ability to liquidate the collateral readily, the ability to establish objectively a price or market value, the frequency with which the value can readily be obtained (including a professional appraisal or valuation), and the volatility of the value of the collateral.
(f) Kreditne politike kreditne institucije v zvezi s strukturo poslov obravnavajo zahteve glede zavarovanja, ki ustrezajo znesku izpostavljenosti, zmožnosti hitrega unovčenja zavarovanja, zmožnosti objektivnega določanja cene ali tržne vrednosti, pogostosti, s katero je mogoče hitro pridobiti vrednost (vključno s strokovno oceno ali vrednotenjem), in nestanovitnosti ali približek nestanovitnosti vrednosti zavarovanja s premoženjem.
(f) The credit institution’s credit policies with regard to the transaction structure shall address appropriate collateral requirements relative to the exposure amount, the ability to liquidate the collateral readily, the ability to establish objectively a price or market value, the frequency with which the value can readily be obtained (including a professional appraisal or valuation) , and the volatility or a proxy of the volatility of the value of the collateral.
Priloga VIII, del 2, odstavek 11, točka (b)
Annex VIII, Part 2, paragraph 11, point (b)
(b) Zakupodajalec vzpostavi zanesljivo upravljanje s tveganji glede na lokacijo stvari, uporabo , za katero je bila dana v zakup, starost in načrtovano zastarelost ;
(b) There shall be robust risk management on the part of the lessor with respect to the location of the asset, the use to which it is put, its age, and planned obsolescence ;
Priloga VIII, del 2, odstavek 11, točka (d)
Annex VIII, Part 2, paragraph 11, point (d)
(d) Razlika med stopnjo zniževanja vrednosti stvari in stopnjo amortizacije plačil po zakupu ne sme biti tako velika, da bi precenila zmanjševanje kreditnega tveganja, ki je pripisano stvarem, danim v zakup.
(d) The difference between the rate of depreciation of the physical asset and the rate of amortisation of the lease payments must not be so large as to overstate the credit risk mitigation attributed to the leased assets.
(d) kolikor to ni bilo ugotovljeno že pri izračunu višine LGD, razlika med vrednostjo neporavnanega zneska in tržno vrednostjo garancije ne sme biti tako velika, da bi precenila zmanjševanje kreditnega tveganja, ki je pripisano stvarem, danim v zakup.
(d) where this has not already been ascertained in calculating the LGD level, the difference between the value of the unamortised amount and the market value of the security must not be so large as to overstate the credit risk mitigation attributed to the leased assets.
Priloga VIII, del 2, odstavek 12, točka a
Annex VIII, Part 2, paragraph 12, point (a)
a) Terjatev kreditojemalca do tretje institucije je odkrito zastavljena ali prenesena na posojilno kreditno institucijo.
(a) The borrower’s claim against the third party institution is openly pledged or assigned to the lending credit institution;
a) Terjatev kreditojemalca do tretje institucije je odkrito zastavljena ali prenesena na posojilno kreditno institucijo in je ta zastavitev ali prenos v vseh ustreznih pravnih redih pravnomočno in pravno izvršljiva .
(a) The borrower’s claim against the third party institution is openly pledged or assigned to the lending credit institution and such pledge or assignment is legally effective and enforceable in all relevant jurisdictions ;
Razjasnitve in izboljšanja konsistence besedila, ki jih predlaga Svet, se podprejo.
The Council’s proposed clarification and improvement in the consistency of the text is hereby endorsed.
Priloga VIII, del 2, odstavek 13, točka (c)
Annex VIII, Part 2, paragraph 13, point (c)
(c) družba, ki daje življenjsko zavarovanje, je obveščena o zastavi ali dodelitvi in zaradi tega ne more odpovedati pogodbe ali plačati na podlagi pogodbe izplačljivih zneskov brez privoljenja posojilne kreditne institucije;
(c) the company providing the life insurance is notified of the pledge or assignment and as a result may not cancel the contract or pay amounts payable under the contract without the consent of the lending credit institution;
(c) družba, ki daje življenjsko zavarovanje, je obveščena o zastavi ali dodelitvi in zaradi tega ne more plačati na podlagi pogodbe izplačljivih zneskov brez privoljenja posojilne kreditne institucije;
(c) the company providing the life insurance is notified of the pledge or assignment and as a result may not pay amounts payable under the contract without the consent of the lending credit institution;
Priloga VIII, del 2, odstavek 13, točka (d)
Annex VIII, Part 2, paragraph 13, point (d)
(d) polica mora imeti določeno odkupno vrednost , ki je ni mogoče zmanjšati
(d) the policy must have a declared surrender value which is a non-reducible amount;
(d) določene odkupne vrednosti police ni mogoče zmanjšati;
(d) the declared surrender value of the policy is non-reducible;
Priloga VIII, del 2, odstavek 13, točka (g)
Annex VIII, Part 2, paragraph 13, point (g)
(g) kreditno zavarovanje se mora zagotavljati do dospelosti posojila; in
(g) the credit protection must be provided for the maturity of the loan; and
(g) kreditno zavarovanje se mora zagotavljati do dospelosti posojila.
(g) the credit protection must be provided for the maturity of the loan.
Kadar to ni mogoče, ker se zavarovalno razmerje konča pred iztekom posojilnega razmerja, mora kreditna institucija zagotoviti, da znesek iz zavarovalne pogodbe kreditni instituciji do izteka sporazuma o kreditu služi kot garancija; in
Where this is not possible because the insurance relationship ends before the loan relationship expires, the credit institution must ensure that the amount deriving from the insurance contract serves the credit institution as security until the end of the duration of the credit agreement ; and
Priloga VIII, del 2, odstavek 13, točka h
Annex VIII, Part 2, paragraph 13, point (h)
h) zastava mora biti prisilno izvršljiva v vseh zadevnih pravnih redih.
(h) the pledge must be legally enforceable in all relevant jurisdictions.
h) zastava ali prenos mora biti pravnomočno in pravno izvršljiva v vseh zadevnih pravnih redih.
(h) the pledge or assignment must be legally effective and enforceable in all relevant jurisdictions relevant at the time of the conclusion of the credit agreement .
Priloga VIII, del 2, odstavek 14, točka d
Annex VIII, Part 2, paragraph 14, point (d)
d) Biti mora pravno izterljivo v vseh zadevnih pravnih redih.
(d) It must be legally enforceable in all relevant jurisdictions.
d) Biti mora pravnomočno in pravno izvršljivo v vseh zadevnih pravnih redih , ki veljajo ob sklenitvi sporazuma o kreditu .
(d) It must be legally effective and enforceable in all relevant jurisdictions relevant at the time of the conclusion of the credit agreement .
Priloga VIII, del 2, odstavek 16, uvodni del
Annex VIII, Part 2, paragraph 16, introductory part
Če je izpostavljenost zavarovana z osebnim jamstvom, za katerega posredno jamči enota centralne ravni države ali centralna banka, regionalna ali lokalna raven države, do katerih terjatve se v skladu s členi 78 do 83 obravnavajo kot terjatve do države, na ozemlju katere nastanejo , multilateralna razvojna banka, za katero se v skladu s členi 78 do 83 uporablja utež tveganja 0 %, ali oseba javnega prava, terjatve do katere se v skladu s členi 78 do 83 obravnavajo kot terjatve do kreditnih institucij, se lahko šteje, da je izpostavljenost zavarovana z osebnim jamstvom, ki ga je zagotovila zadevna oseba, če so izpolnjeni naslednji pogoji:
Where an exposure is protected by a guarantee which is counter-guaranteed by a central government or central bank, a regional government or local authority claims on which are treated as claims on the sovereign in whose jurisdiction they are established under Articles 78 to 83, a multi-lateral development bank to which a 0% risk weight is applied under or by virtue of Articles 78 to 83, or a public sector entity claims on which are treated as claims on credit institutions under Articles 78 to 83, the exposure may be treated as protected by a guarantee provided by the entity in question provided the following conditions are satisfied:
Če je izpostavljenost zavarovana z osebnim jamstvom, za katerega neposredno ali posredno jamči enota centralne ravni države ali centralna banka, regionalna ali lokalna raven države ali subjekt javnega sektorja, do katerih terjatve se v skladu s členi 78 do 83 obravnavajo kot terjatve na centralni ravni države , multilateralna razvojna banka, za katero se v skladu s členi 78 do 83 uporablja utež tveganja 0 %, ali oseba javnega prava, terjatve do katere se v skladu s členi 78 do 83 obravnavajo kot terjatve do kreditnih institucij, se lahko šteje, da je izpostavljenost zavarovana z osebnim jamstvom, ki ga je zagotovila zadevna oseba, če so izpolnjeni naslednji pogoji:
Where an exposure is protected by a guarantee which is directly or indirectly counter-guaranteed by a central government or central bank, a regional government or local authority or a public sector entity claims on which are treated as claims on the central government in whose jurisdiction they are established under Articles 78 to 83, a multi-lateral development bank to which a 0% risk weight is applied under or by virtue of Articles 78 to 83, or a public sector entity claims on which are treated as claims on credit institutions under Articles 78 to 83, the exposure may be treated as protected by a guarantee provided by the entity in question provided the following conditions are satisfied:
Priloga VIII, del 2, odstavek 17, točka a
Annex VIII, Part 2, paragraph 17, point (a)
a) Ob kvalificirani kršitvi/neplačilu nasprotne stranke ima posojilna kreditna institucija pravico, da od izdajatelja osebnega jamstva pravočasno zahteva vse zapadle denarne zneske iz naslova terjatve, v zvezi s katero je zagotovljeno zavarovanje.
(a) On the qualifying default / non-payment of the counterparty, the lending credit institution shall have the right to pursue, in a timely manner, the guarantor for any monies due under the claim in respect of which the protection is provided.
Plačilo s strani izdajatelja osebnega jamstva ni pogojeno s tem, da mora posojilna kreditna institucija najprej terjati dolžnika.
Payment by the guarantor shall not be subject to the lending credit institution first having to pursue the obligor.
a) Ob kvalificirani kršitvi in/ali neplačilu nasprotne stranke ima posojilna kreditna institucija pravico, da od izdajatelja osebnega jamstva pravočasno zahteva vse zapadle denarne zneske iz naslova terjatve, v zvezi s katero je zagotovljeno zavarovanje.
(a) On the qualifying default of and/or non-payment by the counterparty, the lending credit institution shall have the right to pursue, in a timely manner, the guarantor for any monies due under the claim in respect of which the protection is provided.
V primeru osebnih kreditnih zavarovanj, ki pokrivajo stanovanjska hipotekarna posojila, je treba zahteve v členu 14(c)(iii) in členu 17(a) izpolniti šele v obdobju, ki skupno znaša 24 mesecev.
In the case of unfunded credit protection covering residential mortgage loans, the requirements in paragraph 14(c) (iii) and 17(a) have only to be satisfied within an overall period of 24 months.
Priloga VIII, del 2, odstavek 18, uvodni del
Annex VIII, Part 2, paragraph 18, introductory part
V primeru osebnih jamstev, zagotovljenih v okviru vzajemnih jamstvenih shem, ki jih v ta namen priznajo pristojni organi ali jih zagotovijo ali za njih posredno osebno jamčijo osebe, navedene v odstavku 16, se lahko šteje, da so zahteve iz odstavka (a) izpolnjene, če je izpolnjen eden od naslednjih pogojev:
In the case of guarantees provided in the context of mutual guarantee schemes recognised for these purposes by the competent authorities or provided by or counter-guaranteed by entities referred to in paragraph 16, the requirements in paragraph (a) may be considered to be satisfied where either of the following conditions are met:
V primeru osebnih jamstev, zagotovljenih v okviru vzajemnih jamstvenih shem, ki jih v ta namen priznajo pristojni organi ali jih zagotovijo ali za njih posredno osebno jamčijo osebe, navedene v odstavku 16, se šteje, da so zahteve iz odstavka 17 (a) izpolnjene, če je izpolnjen eden od naslednjih pogojev:
In the case of guarantees provided in the context of mutual guarantee schemes recognised for these purposes by the competent authorities or provided by or counter-guaranteed by entities referred to in paragraph 16, the requirements in paragraph 17 (a) shall be considered to be satisfied where either of the following conditions are met:
Črtanje te nacionalne volilne pravice, ki ga je predlagal Svet, se podpre.
The Council’s amendment abolishing the national discretionary power is hereby endorsed.
Razjasnitev sklicevanja.
Correction of paragraph reference.
Priloga VIII, del 2, odstavek 18, točka a
Annex VIII, Part 2, paragraph 18, point (a)
a) izpolnjena je zahteva pristojnih organov, da ima posojilna kreditna institucija pravico, da od izdajatelja osebnega jamstva pravočasno pridobi začasno plačilo, izračunano tako, da predstavlja grobo oceno zneska ekonomske izgube, vključno z izgubami zaradi neplačila obresti in drugih vrst plačil, ki jih je kreditojemalec obvezen poravnati, za katere je verjetno, da jih bo imela kreditna institucija sorazmerno z jamstvenim kritjem;
(a) the competent authorities are satisfied that the lending credit institution has the right to obtain in a timely manner a provisional payment by the guarantor calculated to represent a robust estimate of the amount of the economic loss, including losses resulting from the non-payment of interest and other types of payment which the borrower is obliged to make, likely to be incurred by the lending credit institution proportional to the coverage of the guarantee;
a) posojilna kreditna institucija ima pravico, da od izdajatelja osebnega jamstva pravočasno pridobi začasno plačilo, izračunano tako, da predstavlja grobo oceno zneska ekonomske izgube, vključno z izgubami zaradi neplačila obresti in drugih vrst plačil, ki jih je kreditojemalec obvezen poravnati, za katere je verjetno, da jih bo imela kreditna institucija sorazmerno z jamstvenim kritjem;
(a) the lending credit institution has the right to obtain in a timely manner a provisional payment by the guarantor calculated to represent a robust estimate of the amount of the economic loss, including losses resulting from the non-payment of interest and other types of payment which the borrower is obliged to make, likely to be incurred by the lending credit institution proportional to the coverage of the guarantee;
Priloga VIII, del 2, odstavek 18, točka (b)
Annex VIII, Part 2, paragraph 18, point (b)
(b) zahteva pristojnih organov v zvezi z učinki osebnega jamstva, ki se kažejo v varovanju pred izgubami, vključno z izgubami zaradi neplačila obresti in drugih vrst plačil, ki jih je kreditojemalec obvezen poravnati, je izpolnjena na drug način.
(b) the competent authorities are otherwise satisfied as to the loss-protecting effects of the guarantee, including losses resulting from the non-payment of interest and other types of payment which the borrower is obliged to make.
(b) posojilna kreditna institucija lahko dokaže, da učinki osebnega jamstva, ki se kažejo v varovanju pred izgubami, vključno z izgubami zaradi neplačila plačil, ki jih je kreditojemalec obvezen poravnati, upravičujejo takšno obravnavo .
(b) the lending credit institution can demonstrate that the loss-protecting effects of the guarantee, including losses resulting from the non-payment which the borrower is obliged to make , justify such treatment .
Analogous to the Justification relating to paragraph 16.
Analogous to the justification relating to paragraph 16.
Priloga VIII, del 2, odstavek 19, točka (a), točka (i)
Annex VIII, Part 2, paragraph 19, point (a), point (i)
(i) neplačilo zapadlih zneskov v skladu s pogoji osnovne obveznosti, veljavnimi v času neplačila (z obdobjem odloga plačila, ki je bodisi usklajeno z obdobjem odloga plačila po osnovni obveznosti ali krajše od tega obdobja); in
(i) the failure to pay the amounts due under the terms of the underlying obligation that are in effect at the time of such failure (with a grace period that is closely in line with or shorter than the grace period in the underlying obligation); and
(i) neplačilo zapadlih zneskov v skladu s pogoji osnovne obveznosti, veljavnimi v času neplačila (z obdobjem odloga plačila, ki je bodisi usklajeno z obdobjem odloga plačila po osnovni obveznosti ali krajše od tega obdobja);
(i) the failure to pay the amounts due under the terms of the underlying obligation that are in effect at the time of such failure (with a grace period that is closely in line with or shorter than the grace period in the underlying obligation);
Priloga VIII, del 2, odstavek 19, točka (b)
Annex VIII, Part 2, paragraph 19, point (b)
(b) Če kreditni dogodki, določeni v okviru kreditnega izvedenega finančnega instrumenta, ne zajemajo prestrukturiranja osnovne obveznosti, kakor je opisano v tretji alinei točke (a), se lahko kreditno zavarovanje kljub temu prizna, če se zniža priznana vrednost, kot je to določeno v odstavku 84 dela 3.
(b) Where the credit events specified under the credit derivative do not include restructuring of the underlying obligation as described in the third indent of (a), the credit protection may nonetheless be recognised subject to a reduction in the recognised value as specified in part 3, paragraph 84.
(b) Če kreditni dogodki, določeni v okviru kreditnega izvedenega finančnega instrumenta, ne zajemajo prestrukturiranja osnovne obveznosti, kakor je opisano točka (iii) pododstavka (a), se lahko kreditno zavarovanje kljub temu prizna, če se zniža priznana vrednost, kot je to določeno v odstavku 84 dela 3.
(b) Where the credit events specified under the credit derivative do not include restructuring of the underlying obligation as described in point (iii) of subparagraph (a), the credit protection may nonetheless be recognised subject to a reduction in the recognised value as specified in part 3, paragraph 84.
Priloga VIII, del 3, odstavek 1
Annex VIII, Part 3, paragraph 1