natgillin/translations-raw huggingface dataset:
Pregled vključuje izpolnjevanje vseh veljavnih minimalnih zahtev.
Areas of review shall include adherence to all applicable minimum requirements.
Notranji revizorji ali druga podobna neodvisna revizijska enota vsaj enkrat na leto pregledajo bonitetne sisteme kreditne institucije in njene dejavnosti, vključno s kreditnimi dejavnostmi in ocenjevanjem PD, LGD, EL in konverzijskih faktorjev.
Internal audit or another comparable independent auditing unit shall review at least annually the credit institution’s rating systems and its operations, including the operations of the credit function and the estimation of PDs, LGDs, ELs and conversion factors.
Treba je zagotoviti možnost dodelitve pooblastila drugi revizijski enoti, če notranji revizor nima ustreznih sposobnosti za oceno bonitetnih sistemov kreditne institucije.
The possibility of authorising an auditing unit other than the internal audit to carry out the review should be provided for, to allow for the eventuality of the internal audit’s not possessing the necessary capabilities to review the credit institution’s rating systems.
Priloga VIII, del 1, odstavek 7, pododstavek 1, točka (c a) (novo)
Annex VIII, Part 1, paragraph 7, subparagraph 1, point (c a) (new)
(ca) Pristojni organi lahko poleg zgoraj navedenih priznajo kot primerno zavarovanje s premoženjem še druge vrste zavarovanj, če so izpolnjeni naslednji pogoji:
(ca) The competent authorities may recognise as eligible collateral physical items of a type other than those types indicated above if satisfied as to the following:
(i) obstoj likvidnih trgov za prodajo teh zavarovanj na hiter in ekonomsko učinkovit način; in
(i) the existence of liquid markets for disposal of the collateral in an expeditious and economically efficient manner;
(ii) obstoj splošno priznanih in javno dostopnih tržnih cen za ta zavarovanja.
(ii) the existence of well-established, publicly available market prices for the collateral.
Institucija mora biti sposobna dokazati, da nič ne kaže, da bi neto cene, ki jih dosega ob unovčenju zavarovanj, znatno odstopale od teh tržnih cen.
The institution must be able to demonstrate that there is no evidence that the net prices it receives when collateral is realised deviates significantly from these market prices.
Priloga VIII, del 1, odstavek 7, pododstavek 2, točka (i)
Annex VIII, Part 1, paragraph 7, subparagraph 2, point (i)
(i) dolžniške vrednostne papirje, izdane s strani enot regionalne ali lokalne ravni države, izpostavljenost do katerih se v skladu s Prilogo VI obravnava kot izpostavljenost do enot centralne ravni države, na ozemlju katere so ustanovljeni;
(i) debt securities issued by regional governments or local authorities exposures to which are treated as exposures to the central government in whose jurisdiction they are established under Annex VI ;
(i) dolžniške vrednostne papirje, izdane s strani enot regionalne ali lokalne ravni države, izpostavljenost do katerih se na podlagi členov 78 in 83 obravnava kot izpostavljenost do enot centralne ravni države, na ozemlju katere so ustanovljeni;;
(i) debt securities issued by regional governments or local authorities exposures to which are treated as exposures to the central government in whose jurisdiction they are established under Articles 78 to 83 ;
Priloga VIII, del 1, odstavek 7, pododstavek 2, točka (i a) (novo)
Annex VIII, Part 1, paragraph 7, subparagraph 2, point (i a) (new)
(ia) dolžniške vrednostne papirje, ki so jih izdali subjekti javnega sektorja in se v skladu s členom 15(a) dela 1 Priloge VI obravnavajo kot izpostavljenosti centralnim ravnem države;
(ia) debt securities issued by public sector entities which are treated as exposures to central governments in accordance with paragraph 15a of part 1 of Annex VI.
Priloga VIII, del 1, odstavek 7, pododstavek 3, točka (iii)
Annex VIII, Part 1, paragraph 7, subparagraph 3, point (iii)
(iii) dolžniške vrednostne papirje, izdane s strani multilateralnih razvojnih bank razen tistih, za katere se uporablja utež tveganja 0 %;
(iii) debt securities issued by multilateral development banks other than those to which a 0% risk weight is applied under;
(iii) dolžniške vrednostne papirje, izdane s strani multilateralnih razvojnih bank razen tistih, za katere se v skladu s členi 78 do 83 uporablja utež tveganja 0 %;
(iii) debt securities issued by multilateral development banks other than those to which a 0% risk weight is applied under Articles 78 to 83 ;
Priloga VIII, del 1, odstavek 10a (novo)
Annex VIII, Part 1, paragraph 10a (new)
Med primerne terjatve ne štejejo tiste, ki so povezane z listinjenjem, podudeležbami ali kreditnimi izvedenimi finančnimi instrumenti kot tudi ne z zneski, ki jih dolgujejo povezane stranke.
Eligible receivables do not include those associated with securitisations, sub-participations or credit derivatives or amounts owed by affiliated parties.
Priloga VIII, del 1, odstavek 10b (novo)
Annex VIII, Part 1, paragraph 10b (new)
Zavarovanje s premičninami
Other physical collateral
a) obstoj likvidnih trgov za prodajo teh zavarovanj na hiter in ekonomsko učinkovit način; in
a) the existence of liquid markets for disposal of the collateral in an expeditious and economically efficient manner; and
(ii) obstoj splošno priznanih in javno dostopnih tržnih cen za ta zavarovanja.
b) the existence of well-established, publicly available market prices for the collateral.
Institucija mora biti sposobna dokazati, da nič ne kaže, da bi neto cene, ki jih dosega ob unovčenju zavarovanj, znatno odstopale od tržnih cen.
The institution must be able to demonstrate that there is no evidence that the net prices it receives when collateral is realised deviates significantly from these market prices.
Priloga VIII, del 1, odstavek 13, uvodni del
Annex VIII, Part 1, paragraph 13, introductory part
Stanovanjske nepremičnine, ki jih lastnik zaseda ali jih oddaja ali jih bo zasedal ali oddajal, in poslovne nepremičnine, in sicer pisarne in drugi gospodarski objekti, se lahko priznajo kot primerno zavarovanje s premoženjem, če so izpolnjeni naslednji pogoji:
Residential real estate property which is or will be occupied or let by the owner and commercial real estate i.e. offices and other commercial premises may be recognised as eligible collateral where the following conditions are met:
Stanovanjske nepremičnine, ki jih lastnik ali, v primeru osebnih investicijskih družb, upravičeni lastnik zaseda ali jih oddaja ali jih bo zasedal ali oddajal, in poslovne nepremičnine, in sicer pisarne in drugi gospodarski objekti, se lahko priznajo kot primerno zavarovanje s premoženjem, če so izpolnjeni naslednji pogoji:
Residential real estate property which is or will be occupied or let by the owner or the beneficial owner in the case of personal investment companies and commercial real estate i.e. offices and other commercial premises may be recognised as eligible collateral where the following conditions are met:
Priloga VIII, del 1, odstavek 13, točka (a)
Annex VIII, Part 1, paragraph 13, point (a)
(a) vrednost nepremičnine ni v veliki meri odvisna od kreditne kvalitete dolžnika.
(a) The value of the property does not materially depend upon the credit quality of the obligor.
Namen te zahteve ni izključiti okoliščine, ko popolnoma makroekonomski dejavniki vplivajo tako na vrednost nepremičnine kot tudi na izpolnjevanje obveznosti kreditojemalca.
This requirement is not intended to preclude situations where purely macro-economic factors affect both the value of the property and the performance of the borrower.
Ta zahteva ne izključuje okoliščine, ko popolnoma makroekonomski dejavniki vplivajo tako na vrednost nepremičnine kot tudi na izpolnjevanje obveznosti kreditojemalca.
This requirement does not preclude situations where purely macro-economic factors affect both the value of the property and the performance of the borrower.
Priloga VIII, del 1, odstavek 13, točka (b)
Annex VIII, Part 1, paragraph 13, point (b)
(b) tveganje kreditojemalca ni v veliki meri odvisno od donosnosti zadevne nepremičnine ali projekta, ampak od zmogljivosti kreditojemalca, da poplača dolg iz drugih virov.
(b) The risk of the borrower does not materially depend upon the performance of the underlying property or project, but rather on the underlying capacity of the borrower to repay the debt from other sources.
Povračilo posojila kot tako ni v veliki meri odvisno od katerega koli denarnega pritoka, ki ga ustvarja zadevna nepremičnina, ki služi kot zavarovanje s premoženjem.
As such, repayment of the facility does not materially depend on any cash flow generated by the underlying property serving as collateral.
(b) tveganje kreditojemalca ni v veliki meri odvisno od donosnosti zadevne nepremičnine ali projekta, ampak od zmogljivosti kreditojemalca, da poplača dolg iz drugih virov , ne le iz denarnega pritoka iz nepremičnine .
(b) The risk of the borrower does not materially depend upon the performance of the underlying property or project, but rather on the underlying capacity of the borrower to repay the debt from other sources in addition to the real estate cash flow .
Priloga VIII, del 1, odstavek 17
Annex VIII, Part 1, paragraph 17
Pristojni organi držav članic lahko opustijo zahtevo, da njihove institucije izpolnjujejo pogoj (b) iz odstavka 13 za poslovne nepremičnine, ki se nahajajo na ozemlju njihove države članice, če imajo dokazila, da je zadevni trg dobro razvit in uveljavljen, stopnje izgub, ki nastajajo zaradi posojil, zavarovanimi s poslovnimi nepremičninami, pa izpolnjujejo naslednje pogoje:
The competent authorities of the Member States may waive the requirement for their institutions to comply with condition (b) in paragraph 13 for commercial real estate property situated within the territory of that Member State, if the competent authorities have evidence that the relevant market is well-developed and long-established and that loss-rates stemming from lending secured by commercial real estate property satisfy the following conditions:
Pristojni organi držav članic lahko opustijo zahtevo, da njihove kreditne institucije izpolnjujejo pogoj (b) iz odstavka 13 za poslovne nepremičnine, ki se nahajajo na ozemlju njihove države članice, če imajo dokazila, da je zadevni trg dobro razvit in uveljavljen, stopnje izgub, ki nastajajo zaradi posojil, zavarovanimi s poslovnimi nepremičninami, pa izpolnjujejo naslednje pogoje:
The competent authorities of the Member States may waive the requirement for their credit institutions to comply with condition (b) in paragraph 13 for commercial real estate property situated within the territory of that Member State, if the competent authorities have evidence that the relevant market is well-developed and long-established and that loss-rates stemming from lending secured by commercial real estate property satisfy the following conditions:
(a) do 50 % tržne vrednosti (ali, če je razpoložljivo in če je manj, 60 % hipotekarne posojilne vrednosti) v nobenem letu ne presega 0,3 % neodplačanih posojil, zavarovanih s poslovnimi nepremičninami
(a) up to 50 % of the market value (or where applicable and if lower 60 % of the mortgage-lending-value) does not exceed 0.3 % of the outstanding loans secured by commercial real estate property in any given year;
(a) izgube iz naslova posojil, zavarovanih s poslovno nepremičnino do 50 % njene tržne vrednosti (ali, če je razpoložljivo in če je manj, 60 % hipotekarne posojilne vrednosti) v nobenem letu ne presegajo 0,3 % neodplačanih posojil , zavarovanih s poslovnimi nepremičninami;
(a) losses stemming from lending collateralised by commercial real estate property up to 50 % of the market value (or where applicable and if lower 60 % of the mortgage-lending-value) do not exceed 0.3 % of the outstanding loans collateralised by commercial real estate property in any given year;
(b) skupne izgube iz naslova posojil, zavarovanih s poslovnimi nepremičninami, v nobenem letu ne presegajo 0,5 % neodplačanih posojil.
(b) overall losses stemming from lending secured by commercial real estate does not exceed 0.5 % of the outstanding loans in any given year.
(b) skupne izgube iz naslova posojil , zavarovanih s poslovnimi nepremičninami, v nobenem letu ne presegajo 0,5 % neodplačanih posojil , zavarovanih s poslovnimi nepremičninami .
(b) overall losses stemming from lending collateralised by commercial real estate property do not exceed 0.5 % of the outstanding loans collateralised by commercial real estate property in any given year.
Priloga VIII, del 1, odstavek 19
Annex VIII, Part 1, paragraph 19
Pristojni organi države članice, ki ne uporabljajo opustitve iz odstavka 17 , lahko priznajo primernost poslovnih nepremičnin, ki so na podlagi opustitve priznane kot primerne v drugi državi članici.
The competent authorities of a Member State, which do not use the waiver in paragraph 17, may recognise as eligible commercial real estate property recognised as eligible in another Member State by virtue of the waiver.
Pristojni organi države članice lahko priznajo primernost poslovnih nepremičnin, ki so na podlagi opustitve v skladu z odstavkom 17 priznane kot primerne v drugi državi članici.
The competent authorities of a Member State, may recognise as eligible commercial real estate property recognised as eligible in another Member State by virtue of the waiver in paragraph 17 .
Razjasnitev, ki jo je predlagal Svet, se podpre.
The Council’s proposed clarification is hereby endorsed.
Priloga VIII, del 1, odstavek 21, uvodni del
Annex VIII, Part 1, paragraph 21, introductory part
Pristojni organi lahko kot primerno zavarovanje s premoženjem priznajo druge stvari poleg tistih, ki so navedene v odstavkih 13 do 19, če ugotovijo naslednje:
The competent authorities may recognise as eligible collateral physical items of a type other than those types indicated in paragraphs 13 to 19 if satisfied as to the following:
Pristojni organi priznajo kot primerno zavarovanje s premoženjem druge stvari poleg tistih, ki so navedene v odstavkih 13 do 19, če ugotovijo naslednje:
The competent authorities shall recognise as eligible collateral physical items of a type other than those types indicated in paragraphs 13 to 19 if satisfied as to the following:
Črtanje svobodne presoje nacionalnih organov.
Abolishes national authorities’ discretionary power.
Priloga VIII, del 1, odstavek 21, točki (a) in (b)
Annex VIII, Part 1, paragraph 21, points (a) and (b)
( a ) obstoj likvidnih trgov za prodajo teh zavarovanj na hiter in ekonomsko učinkovit način; in
( a ) the existence of liquid markets for disposal of the collateral in an expeditious and economically efficient manner; and
(i) obstoj likvidnih trgov za prodajo teh zavarovanj na hiter in ekonomsko učinkovit način; in
( i ) the existence of liquid markets for disposal of the collateral in an expeditious and economically efficient manner; and
( b ) obstoj dobro uveljavljenih , javno dostopnih tržnih cen za ta zavarovanja.
( b ) the existence of well-established, publicly available market prices for the collateral.
Institucija mora biti tudi sposobna dokazati, da ni dokazov, da bi neto cene, ki jih doseže ob unovčenju teh zavarovanj, znatno odstopale od tržnih cen.
The institution must be able to demonstrate that there is no evidence that the net prices it receives when collateral is realised deviates significantly from these market prices.
(ii) obstoj javno dostopnih tržnih cen za ta zavarovanja.
( ii ) the existence of publicly available market prices for the collateral.
Kreditna institucija mora biti tudi sposobna dokazati, da ni dokazov, da bi neto cene, ki jih doseže ob unovčenju teh zavarovanj, znatno odstopale od tržnih cen..
The credit institution must be able to demonstrate that there is no evidence that the net prices it receives when collateral is realised deviates significantly from these market prices.
Priloga VIII, del 1, odstavek 26, uvodni del
Annex VIII, Part 1, paragraph 26, introductory part
Naslednje stranke se lahko priznajo kot primerni izdajatelji osebnih kreditnih zavarovanj:
The following parties may be recognised as eligible providers of unfunded protection:
Naslednje stranke se lahko priznajo kot primerni izdajatelji osebnih kreditnih zavarovanj:
The following parties may be recognised as eligible providers of unfunded credit protection:
Priloga VIII, del 1, odstavek 26, točka (e)
Annex VIII, Part 1, paragraph 26, point (e)
(e) osebe javnega sektorja, terjatve do katerih pristojni organi na podlagi členov 78 do 83 obravnavajo kakor terjatve do institucij
(e) public sector entities, claims on which are treated by the competent authorities as claims on institutions under Articles 78 to 83;
(e) osebe javnega sektorja, terjatve do katerih pristojni organi na podlagi členov 78 do 83 obravnavajo kakor terjatve do institucij ali centralnih ravni države ;
(e) public sector entities, claims on which are treated by the competent authorities as claims on institutions or central governments under Articles 78 to 83;
Priloga VIII, del 1, odstavek 26, točka (g a) (novo)
Annex VIII, Part 1, paragraph 26, point (g a) (new)
(ga) fizične osebe.
(ga) natural persons.
Priloga VIII, del 2, odstavek 3, točka a
Annex VIII, Part 2, paragraph 3, point (a)
a) morajo imeti trdno osnovano pravno podlago in biti prisilno izvršljive v zadevnem pravnem redu , vključno v primerih nesolventnosti ali stečaja nasprotne stranke,
(a) they must have a well-founded legal basis and be legally enforceable under applicable law , including in the event of the insolvency or bankruptcy of a counterparty;
a) morajo biti pravnomočno in pravno izvršljive v vseh ustreznih pravnih redih vključno v primerih nesolventnosti ali stečaja nasprotne stranke,
(a) they must be legally effective and enforceable in all relevant jurisdictions , including in the event of the insolvency or bankruptcy of a counterparty;
Podpora predlogom sprememb Sveta o izboljšanju doslednosti besedila.
The Council’s amendment, to improve consistency in the text, is hereby endorsed.
Priloga VIII, del 2, odstavek 4, točka a
Annex VIII, Part 2, paragraph 4, point (a)
a) imajo trdno osnovano pravno podlago in so prisilno izvršljive v zadevnem pravnem redu , vključno v primerih stečaja ali nesolventnosti nasprotne stranke,
(a) have a well founded legal basis and be legally enforceable under applicable law , including in the event of the bankruptcy or insolvency of the counterparty
a) morajo biti v vseh ustreznih pravnih redih pravnomočno in pravno izvršljive vključno v primerih stečaja ali nesolventnosti nasprotne stranke;
(a) be legally effective and enforceable in all relevant jurisdictions , including in the event of the bankruptcy or insolvency of the counterparty
Priloga VIII, del 2, odstavek 6, točka a, pododstavek 2
Annex VIII, Part 2, paragraph 6, point (a), subparagraph 2
Vrednostni papirji, katerih izdajatelj je dolžnik ali katera koli povezana oseba iz skupine, niso primerni.
Securities issued by the obligor, or any related group entity are not eligible.
Ne glede na to bi lahko bile pokrite obveznice, ki jih je izdal dolžnik in spadajo v odstavke 65 do 67 Priloge VI, priznane za varnost poslov začasne prodaje/začasnega nakupa, če se upoštevajo zahteve iz pododstavka 1 .
This notwithstanding, the obligor’s own issues of covered bonds falling within the terms of Annex VI, paragraphs 65 to 67 may be recognised as eligible when they are posted as collateral for repurchase transactions, provided that the first subparagraph of this point is complied with.
Podpora predlogu spremembe Sveta.
The Council amendment is hereby endorsed.
Priloga VIII, del 2, odstavek 8, točka (a), samo pododstavek
Annex VIII, Part 2, paragraph 8, point (a), the sole subparagraph
Hipoteka ali druga pravica do poplačila iz vrednosti nepremičnine je prisilno izvršljiva v vseh zadevnih pravnih redih in je pravilno in pravočasno dokumentirana in vknjižena v javnih knjigah.
The mortgage or charge shall be legally enforceable in all relevant jurisdictions, and the mortgage or charge shall be properly filed on a timely basis.
Pogodbe morajo odražati nesporno pravico kreditne institucije na nepremičnini (izpolnjene so vse pravne zahteve za ustanovitev zavarovanja).
The arrangements shall reflect a perfected lien (i.e. all legal requirements for establishing the pledge shall been fulfilled).
Pogodba o zavarovanju in pravni postopki unovčitve zavarovanj z nepremičninami omogočata kreditni instituciji unovčitev zavarovanja v razumnem času.
The protection agreement and the legal process underpinning it shall enable the credit institution to realise the value of the protection within a reasonable timeframe.
Hipoteka ali druga pravica do poplačila iz vrednosti nepremičnine je prisilno izvršljiva v vseh pravnih redih , ki zanjo veljajo ob sklenitvi sporazuma o kreditu , in je pravilno in pravočasno dokumentirana in vknjižena v javnih knjigah.
The mortgage or charge shall be legally enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement , and the mortgage or charge shall be properly filed on a timely basis.
Priloga VIII, del 2, odstavek 8, točka b, pododstavek 1
Annex VIII, Part 2, paragraph 8, point (b), subparagraph 1
Vrednost nepremičnine se spremlja redno in vsaj enkrat na leto se izdela ocena njene vrednosti.
The value of the property shall be monitored on a frequent basis and at a minimum once every year.
Pogostejše ponovno ocenjevanje vrednosti se opravlja v primeru pomembnih sprememb pogojev na trgu.
More frequent monitoring shall be carried out where the market is subject to significant changes in conditions.
Za spremljanje vrednosti nepremičnine in za ugotavljanje, katere nepremičnine je treba prevrednotiti, se lahko uporabljajo statistične metode.
Statistical methods may be used to monitor the value of the property and to identify property that needs revaluation.
Nepremičnino neodvisen cenilec ovrednoti vsakokrat, ko informacije kažejo, da bi se lahko vrednost nepremičnine bistveno zmanjšala glede na splošne tržne cene.
The property shall be valued by an independent valuer when information indicates that the value of the property may have declined materially relative to general market prices.
Za posojila, ki presegajo 3 milijone EUR ali 5 % lastnih virov sredstev kreditne institucije in so zavarovana z nepremičninami, neodvisen cenilec vsaj vsaka tri leta oceni vrednost teh nepremičnin.
For loans exceeding EUR 3 million or 5% of the own funds of the credit institution, the property shall be evaluated by an independent valuer at least every three years.
Vrednost nepremičnine se spremlja redno in se vsaj enkrat na leto v primeru poslovnih nepremičnin in vsaka tri leta v primeru stanovanjskih nepremičnin izdela ocena njene vrednosti.
The value of the property shall be monitored on a frequent basis and at a minimum once every year for commercial real estate and once every three years for residential real estate .
Neodvisen cenilec preveri vrednost nepremičnine vsakokrat, ko informacije kažejo, da bi se lahko vrednost nepremičnine bistveno zmanjšala glede na splošne tržne cene.
The property valuation shall be reviewed by an independent valuer when information indicates that the value of the property may have declined materially relative to general market prices.
Za posojila, ki presegajo 3 milijone EUR ali 5 % lastnih virov sredstev kreditne institucije in so zavarovana z nepremičninami, neodvisen cenilec vsaj vsaka tri leta preveri vrednost teh nepremičnin.
For loans exceeding EUR 3 million or 5% of the own funds of the credit institution, the property valuation shall be reviewed by an independent valuer at least every three years.
Poročevalec podpira predlog Sveta o ovrednotenju poslovnih in stanovanjskih nepremičnin vsaj vsaka tri leta.
Your rapporteur endorses the Council’s amendment increasing the minimum valuation review period for residential real estate from one to three years.