natgillin/translations-raw huggingface dataset:
Razen tega so se za podobno besedilo dogovorili na zasedanju Evropskega sveta v decembru 2004.
A similar text was agreed moreover at the December 2004 European Council.
Če pristojni organi ene države članice uporabijo diskrecijsko pravico iz odstavka 4, lahko tudi pristojni organi druge države članice dovolijo svojim kreditnim institucijam, da uporabljajo enako utež tveganja za izpostavljenosti do enot centralne ravni navedene države ali centralne banke, denominirane in financirane v navedeni valuti.
When the discretion in paragraph 4 is exercised by the competent authorities of one Member State, the competent authorities of another Member State may also allow their credit institutions to apply the same risk weight to exposures to that central government or central bank denominated and funded in that currency.
S tem predlogom spremembe se poskuša uvesti enake pogoje znotraj ene države članice.
This amendment is aimed at establishing a level playing field within one Member State.
Priloga VI, del 1, odstavek 7, uvodni stavek
Annex VI, Part 1, paragraph 7, introductory phrase
Pristojni organi priznajo izvozno agencijo , če je izpolnjen eden od naslednjih pogojev:
An Export Credit Agency shall be recognised by the competent authorities if either of the following conditions are met:
Pojasnjevalni predlog spremembe.
A clarifying amendment.
Prednostna obravnava za kratkoročne izpostavljenosti iz odstavkov 30, 31 in 36 se ne uporablja.
The preferential treatment for shortterm exposures specified in paragraphs 30, 31and 36 shall not be applied.
Brez poseganja v odstavke 10 do 12 se izpostavljenostim do enot regionalne ali lokalne ravni držav dodeli utež tveganja na enak način kakor se izpostavljenostim do institucij.
Without prejudice to paragraphs 10 to 12, exposures to regional governments and local authorities shall be risk-weighted as exposures to institutions.
Ta obravnava ni odvisna od uporabe diskrecijske pravice iz člena 80(3).
This treatment is independent of the exercise of discretion as specified in Article 80(3).
Ob upoštevanju diskrecijske pravice pristojnih organov se izpostavljenosti do enot regionalne in lokalne ravni države lahko obravnavajo kot izpostavljenosti do enot centralne ravni države, pod jurisdikcijo katere so ustanovljene, če ni nikakršne razlike v tveganju med takimi izpostavljenostmi, zato ker imajo enote regionalne in lokalne ravni države moč pridobivanja prihodkov ter zaradi obstoja posebnih institucionalnih ureditev, ki zmanjšujejo tveganja neplačila.
Subject to the discretion of competent authorities, exposures to regional governments and local authorities may be treated as exposures to the central government in whose jurisdiction they are established where there is no difference in risk between such exposures because of the specific revenue-raising powers of the former, and the existence of specific institutional arrangements the effect of which is to reduce their risk of default.
Izpostavljenosti do enot regionalne in lokalne ravni države se obravnavajo kot izpostavljenosti do enot centralne ravni države, pod jurisdikcijo katere so ustanovljene, če ni nikakršne razlike v tveganju med takimi izpostavljenostmi, zato ker imajo enote regionalne in lokalne ravni države moč pridobivanja prihodkov ter zaradi obstoja posebnih institucionalnih ureditev, ki zmanjšujejo tveganja neplačila.
Exposures to regional governments and local authorities shall be treated as exposures to the central government in whose jurisdiction they are established where there is no difference in risk between such exposures because of the specific revenue-raising powers of the former, and the existence of specific institutional arrangements the effect of which is to reduce their risk of default.
Pristojni organi sestavijo in objavijo seznam regionalnih in lokalnih oblasti, za katere velja isto tehtanje tveganja kot za centralne ravni države.
Competent authorities shall draw up and publish the list of the regional governments and local authorities to be risk-weighted in the same way as central governments.
Treba se je izogniti različnim načinom nacionalne presoje, da se okrepi usklajenost ureditve notranjega trga.
Several instances of national discretion should be deleted in order to enhance regulatory harmonisation in the internal market.
Veliko teh črtanj so priporočili tudi nacionalni nadzorniki v CEBS.
Many of those deletions are also recommended by the national banking supervisors.
Če pristojni organi ene države članice uveljavljajo diskrecijsko pravico iz odstavka 10, lahko tudi pristojni organi druge države članice dovolijo svojim kreditnim institucijam, da uporabljajo enako utež tveganja za izpostavljenosti do navedenih enot regionalne ali lokalne ravni države.
When the discretion of paragraph 10 is exercised by the competent authorities of one Member State, the competent authorities of another Member States may also allow their credit institutions to apply the same risk weight to exposures to those regional governments and local authorities.
Predlog spremembe izhaja iz sprememb odstavka 10 dela 1 Priloge VI zaradi vzpostavitve enakih pogojev v eni državi članici.
An amendment following the changes made to Annex VI, Part 1, paragraph 10 in order to establish a level playing field in one Member State.
Priloga VI, del 1, odstavek 28
Annex VI, Part 1, paragraph 28
Izpostavljenostim do institucij s prvotno dejansko zapadlostjo več kakor tri mesece, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu s Tabelo 4, glede na šest stopenj na lestvici ocenjevanja kreditne kvalitete, ki jih dodelijo pristojni organi bonitetnim ocenam primernih ECAI.
Exposures to institutions with an original effective maturity of more than three months for which a credit assessment by a nominated ECAI is available shall be assigned a risk weight according to Table 4 in accordance with the assignment by the competent authorities of the credit assessments of eligible ECAIs to six steps in a credit quality assessment scale.
Tabela 4
Table 4
Črtanje nacionalne presoje.
National discretion removed.
Priloga VI, del 1, odstavek 29
Annex VI, Part 1, paragraph 29
Izpostavljenostim do neocenjenih institucij se dodeli utež tveganja 50 %.
Exposures to unrated institutions shall be assigned a risk weight of 50%.
Priloga VI, del 1, odstavek 30
Annex VI, part 1, paragraph 30
Izpostavljenostim do institucij s prvotno dejansko zapadlostjo tri mesece ali manj, za katere je na razpolago bonitetna ocena imenovane ECAI, se dodeli utež tveganja v skladu s Tabelo 5, glede na šest stopenj na lestvici ocenjevanja kreditne kvalitete, ki jih dodelijo pristojni organi bonitetnim ocenam primernih ECAI.
Exposures to an institution with an original effective maturity of three months or less for which a credit assessment by a nominated ECAI is available shall receive a risk weight according to Table 5 in accordance with the assignment by the competent authorities of the credit assessments of eligible ECAIs to six steps in a credit quality assessment scale:
Če je prvotna dejanska zapadlost medbančne izpostavljenosti, kateri bi bila sicer dodeljena utež tveganja v skladu s točko 26 odstavka 6.3, šest mesecev ali manj, se tehtanje tveganja izvede v skladu z lestvico v tabeli 5.
If an interbank exposure which would otherwise be assigned a risk weight in accordance with paragraph 6.3, point 26, has an original effective maturity of six months or less, the risk weight shall be assigned according to the scale set out in Table 5.
Tabela 5
Table 5
Stopnja kreditne kvalitete
Credit quality step
Raven kreditne kvalitete, ki se dodeli centralnim ravnem države
Level of credit quality assigned to central governments
Utež tveganja
Risk weight
Utež tveganja za izpostavljenost
Risk weight for exposure
Glede predvidenih možnosti za medbančno izpostavljenost je treba poudariti, da metoda, ki temelji na tehtanju tveganja za centralne ravni države, v kateri banka deluje, v nasprotju z metodo, ki temelji na ocenjevanju kreditne kvalitete in jo želimo ukiniti, ne omogoča prednostne obravnave kratkoročnih kreditov.
With regard to the two options put forward for interbank exposures, it should be stressed that, unlike the method based on credit quality assessment, which we wish to see abolished, the method based on risk weighting for the central authorities of the country where the bank operates does not offer preferential treatment for short-term credit.
Razen zahteve za uvedbo te možnosti bi bilo priporočljivo razširiti opredelitev „kratkoročen“, da bi vključevala vse kredite s prvotnim obdobjem trajanja do šest mesecev (namesto do treh).
In addition to requesting the introduction of this option, it is recommended that the definition of 'short-term' be broadened to include all credit with an original life of up to six months (instead of three).
Priloga VI, del 1, odstavek 31
Annex VI, part 1, paragraph 31
Izpostavljenostim do neocenjenih institucij s prvotno dejansko zapadlostjo tri mesece ali manj se dodeli utež tveganja 20 %.
Exposures to unrated institutions having an original effective maturity of three months or less shall be assigned a 20% risk weight.
Glede predvidenih možnosti za medbančno izpostavljenost, je treba poudariti, da metoda, ki temelji na dodelitvi uteži tveganja za centralne ravni države, v kateri banka deluje, v nasprotju z metodo, ki temelji na ocenjevanju kreditne kvalitete in jo želimo ukiniti, ne ponuja prednostne obravnave kratkoročnih kreditov.
With regard to the two options put forward for interbank exposures, it should be stressed that, unlike the method based on credit quality assessment, which we wish to see abolished, the method based on risk weighting for the central authorities of the country where the bank operates does not offer preferential treatment for short-term credit.
Priloga VI, del 1, odstavek 39, uvodni stavek
Annex VI, Part 1, paragraph 39, introductory sentence
Izpostavljenostim, ki izpolnjujejo merila iz člena 79(2), se dodeli utež tveganja 75 %.
Exposures that comply with the criteria listed in Article 79(2) shall be assigned a risk weight of 75%.
Veliko teh črtanj so priporočili tudi nacionalni nadzorniki v Odboru evropskih bančnih nadzornikov (CEBS).
Many of those deletions are also recommended by the national banking supervisors in the Committee of European Banking Supervisors (CEBS).
Priloga VI, del 1, odstavek 82
Annex VI, Part 1, paragraph 82
Države članice lahko dovolijo utež 10 % za izpostavljenosti do institucij, specializiranih za medbančne trge in trge javnega dolga v svojih matičnih državah članicah, ki so pod strogim nadzorom pristojnih organov, če so navedene aktivne postavke v celoti in povsem zavarovane, kakor zahtevajo pristojni organi matičnih držav članic, s postavkami, katerim je dodeljena utež tveganja 0 % ali 20 % in ki jih pristojni organi matičnih držav članic priznajo kot ustrezno zavarovanje s premoženjem.
Member States may allow a risk weight of 10% for exposures to institutions specialising in the inter-bank and public-debt markets in their home Member States and subject to close supervision by the competent authorities where those asset items are fully and completely secured, to the satisfaction of the competent authorities of the home Member States, by a items assigned a 0% or a 20% risk weight and recognised by the latter as constituting adequate collateral.
Priloga VI, del 2, odstavek 9, točka (c a) (novo)
Annex VI, part 2, paragraph 9, point (c a) (new)
(ca) najmanj dve banki uporabljata bonitetne ocene ECAI pri analizi kreditnega tveganja ali v primeru izdaje obveznic.
(ca) the use by at least two banks of the ECIA rating for credit risk analysis or in the case of the issuing of bonds.
S tem predlogom spremembe se poskuša zagotoviti strožji postopek izdaje dovoljenj novim bonitetnim agencijam in njihovo priznavanje s strani nadzornega organa, zato da se zagotovi zanesljivost v zvezi z oceno kreditne kvalitete glavnice in pri tem ustrezno upošteva načelo verodostojnosti.
The aim of this amendment is to ensure that the procedure for the authorisation and recognition of the new ratings agency by the supervisory authority is more rigorous, so as to ensure reliability as regards credit quality assessment of the principal, with due regard for the principle of credibility.
Tržna verodostojnost je ena od osnovnih zahtev za priznanje bonitetnih agencij kot organov za izračun kapitalskih zahtev in eden najpomembnejših preizkusov zanesljivosti.
Market credibility is one of the basic requirements for recognition by the ratings agencies for the purposes of calculating capital requirements and is one of the most important tests of reliability.
Priloga VI, del 4, odstavek 44, točka (b)
Annex VII, Part 4, paragraph 44, point (b)
(b) dolžnik več kakor 90 dni zamuja s plačilom katere koli bistvene kreditne obveznosti do kreditne institucije, njenega matičnega podjetja ali katerega koli njenih hčerinskih podjetij.
(b) The obligor is past due more than 90 days on any material credit obligation to the credit institution, the parent undertaking or any of its subsidiaries.
Odobreni znesek razpolaganja pomeni znesek razpolaganja, s katerim je bil dolžnik seznanjen.
An advised limit shall mean a limit which has been brought to the knowledge of the obligor.
V primeru izpostavljenosti do majhnih dolžnikov in izpostavljenosti do oseb javnega sektorja (PSE) pristojni organi določijo število dni zamude, kakor je določeno v odstavku 48.
In the case of retail exposures and exposures to public sector entities (PSE) the competent authorities shall set a number of days past due as specified in paragraph 48.
V primeru izpostavljenosti do podjetij lahko pristojni organi določijo število dni zamude, kakor je določeno v odstavku 4 člena 154.
In the case of corporate exposures the competent authorities may set a number of days past due as specified in Article 154, paragraph 4.
V primeru izpostavljenosti do majhnih dolžnikov kreditne institucije lahko uporabijo to opredelitev na ravni produkta.
In the case of retail exposures credit institutions may apply this definition at a facility level.
Različne opredelitve „neizpolnitve“ pomenijo dodaten stroškovni dejavnik za kreditne institucije, ki delujejo čezmejno, in lahko poleg tega povzročijo izkrivljanje konkurence.
Different definitions of 'default' mean an additional cost factor for credit institutions with cross-border operations and may also lead to substantial distortions of competition.
Zato je treba sprejeti enotno opredelitev pojma neizpolnitve.
It is therefore necessary to lay down a uniform definition of what constitutes default.
Priloga VII, del 4, odstavek 48
Annex VII, Part 4, paragraph 48
Za izpostavljenosti do majhnih dolžnikov in do PSE pristojni organi vsake države članice določijo točno število dni zamude, ki jih upoštevajo vse kreditne institucije v svojih jurisdikcijah na podlagi opredelitve neplačila iz odstavka 44, za izpostavljenosti do takih nasprotnih strank, ki se nahajajo v teh državah članicah.
For Retail and PSE exposures, the competent authorities of each Member States shall set the exact number of days past due that all credit institutions in its jurisdiction shall abide by under the definition of default set out in paragraph 44, for exposures to such counterparts situated within this Member State .
Natančno število je med 90 do 180 dni in se lahko razlikuje med produkti.
The specific number shall fall within 90-180 days and may differ across product lines.
Predlog spremembe, ki izhaja iz črtanja sklicevanja na odstavek 48 v odstavku 44 dela 4 Priloge VII.
Drafting adjustment resulting from the deletion of the reference to paragraph 48 in Annex VII, Part 4, paragraph 44.
Priloga VIII, del 1, odstavek 7, točka (c a) (novo)
Annex VIII, part 1, paragraph 7, point (c a) (new)
(ca) druge vrste fizičnih predmetov razen zgoraj omenjenih, ki jih pristojni organi ob izpolnitvi naslednjih pogojev priznavajo kot ustrezno zavarovanje s premoženjem:
(ca) Physical items of a type other than those mentioned above, accepted as eligible collateral by competent authorities, where the following conditions apply:
(i) obstoj likvidnih trgov za prodajo zavarovanja na hiter in gospodaren način;
(i) the existence of liquid markets for disposal of the collateral in an expeditious and economically efficient manner;
(ii) obstoj dobro uveljavljenih, javno dostopnih tržnih cen za zavarovanje.
(ii) the existence of well-established, publicly-accessible market prices for the collateral.
Kreditna institucija mora biti sposobna dokazati, da ni dokazov, da bi neto cena, ki jo doseže ob unovčenju zavarovanja, bistveno odstopala od teh tržnih cen.
The credit institution must be able to demonstrate that there is no evidence that the net price it receives when collateral is realised deviates significantly from these market prices.
Kategorija „druga zavarovanja“ vključuje posojila za ladje ali letala.
The category 'other collateral' includes loans on ships or aircraft.
Ker je mogoče njihovo tržno vrednost takoj določiti, so takšna zavarovanja dejansko v funkciji zmanjševanja kreditnega tveganja, ki jo trenutno priznava zgolj metoda IRB.
As their market value can be readily determined, such collateral has an effective function as regards credit risk mitigation, which as yet is recognised solely in the IRB method.
Pričakuje se, da bodo tovrstna zavarovanja, ki so na kreditnem trgu precej razširjena, v prihodnosti prispevala tudi k zniževanju kapitalskih uteži za banke, ki uporabljajo standardno metodo.
It is hoped that this type of collateral, which is quite widely used in the credit market, may equally contribute in future to reducing capital weightings for banks which adopt the standardised method.
Priloga VIII, del 2, odstavek 16, točka (c)
Annex VIII, Part 2, paragraph 16, point (c)
(c) izpolni se zahteva pristojnega organa , da je kritje zanesljivo in da v pretekli dokumentaciji ni ničesar, kar bi nakazovalo, da je kritje posrednega osebnega jamstva manj kot dejansko enakovredno kritju neposrednega osebnega jamstva zadevne osebe.
(c) the competent authority is satisfied that the cover is robust and that nothing in the historical evidence suggests that the coverage of the counter-guarantee is less than effectively equivalent to that of a direct guarantee by the entity in question.
(c) kreditna institucija lahko dokaže , da je kritje zanesljivo in da v pretekli dokumentaciji ni ničesar, kar bi nakazovalo, da je kritje posrednega osebnega jamstva manj kot dejansko enakovredno kritju neposrednega osebnega jamstva zadevne osebe.
(c) the credit institution can demonstrate that the cover is robust and that nothing in the historical evidence suggests that the coverage of the counter-guarantee is less than effectively equivalent to that of a direct guarantee by the entity in question.
Kreditne institucije morajo imeti možnost zaprositi za izpolnitev posrednega jamstva kot zavarovanja za zmanjševanje tveganja.
The credit institutions should have the option of applying for compliance of counter-guarantees as risk-mitigating collateral.
Priloga VIII, del 2, odstavek 18
Annex VIII, Part 2, paragraph 18
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 točke (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 point (a) shall be considered to be satisfied where either of the following conditions are met:
(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;
(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, ki jih je kreditojemalec obvezen poravnati, upravičujejo tako 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 .
Glej obrazložitev k odstavku 16.
Analogous to the justification relating to paragraph 16.
Pristojni organi institucijam, ki izpolnjujejo zahteve, določene v odstavkih 48 do 57, dovolijo, da uporabljajo svoje lastne ocene nestanovitnosti za izračun prilagoditev za nestanovitnost, ki se nanašajo na zavarovanje s premoženjem in izpostavljenosti.
The competent authorities shall permit institutions complying with the requirements set out in paragraphs 48 to 57 to use their own estimates of volatility for calculating the volatility adjustments to be applied to collateral and exposures.
Črtanje nacionalne pristojnosti presoje.
Deletion of national discretion.
Priloga VIII, del 3, odstavek 59
Annex VIII, Part 3, paragraph 59
Kjer v zvezi s posli začasne prodaje/začasnega nakupa in posli posoje/izposoje vrednostnih papirjev kreditna institucija uporablja pristop nadzorniških prilagoditev za nestanovitnost ali pristop lastnih ocen in so izpolnjeni pogoji , določeni v točkah (a) do (h) , lahko pristojni organi kreditnim institucijam dovolijo, da ne uporabljajo prilagoditev za nestanovitnost, izračunanih v skladu z odstavki 35 do 58, in da namesto tega uporabijo prilagoditve za nestanovitnost po stopnji 0 %.
In relation to repurchase transactions and securities lending or borrowing transactions, where a credit institution uses the Supervisory volatility adjustments approach or the Own Estimates approach and where the conditions set out in points (a) to (h ) are satisfied, the competent authorities may allow credit institutions not to apply the volatility adjustments calculated under paragraphs 35 to 58 and to instead apply a 0% volatility adjustment.