natgillin/translations-raw huggingface dataset:
To ne spreminja širšega pregleda v zvezi s prihodnjim načinom nadzora kreditnih institucij, ki preko podružnic ali hčerinskih družb delujejo čezmejno, kot je poudarjeno v Zeleni knjigi Komisije o politiki finančnih storitev (2005-2010).
This is without prejudice to the wider review, as highlighted in the Commission's Green Paper on Financial Services Policy (2005 - 2010), concerning the way that credit institutions operating cross-border through branches or subsidiaries should be supervised in the future.
(12a) Države članice lahko za institucije, ki jih je odobril pooblaščeni organ, določijo tudi določbe, ki so strožje od določb, opredeljenih v prvi alineji člena 9(1), v člena 9(2) ter v členih 12, 19 do 21, 44 do 52, 75 in 120 do 122.
(12a) The Member States may also establish stricter rules than those laid down in Article 9(1), first indent, Article 9(2) and Articles 12, 19 to 21, 44 to 52, 75 and 120 to 122 for establishments authorised by their competent authorities.
Poleg tega lahko države članice predpišejo, da je treba člen 123 upoštevati na individualni ali drugi osnovi in da se delna konsolidacija, navedena v členu 73(2), izvede na drugih ravneh znotraj skupine.
The Member States may also require that Article 123 be complied with on an individual or other basis, and that the sub-consolidation described in Article 73(2) be applied to other levels within a group.
Consequently the Member States remain free to enact stricter rules than those laid down in the Directive .
Consequently the Member States remain free to enact stricter rules than those laid down in the Directive.
Uvodna izjava 33 a (novo)
Recital 33 a (new)
(33a) S tem namenom je Baselski odbor za bančni nadzor 26. junija 2004 sprejel sporazum o mednarodnem približevanju kapitalske ustreznosti in kapitalskih zahtev.
(33a) On this point, on 26 June 2004 the Basel Committee on Banking Supervision adopted a framework agreement on the international convergence of capital measurement and capital requirements.
Določbe glede minimalnih kapitalskih zahtev kreditnih institucij v tej direktivi in določbe glede minimalnih kapitalskih zahtev investicijskih družb in kreditnih institucij v Direktivi 93/6/EGS so enakovredne določbam Baselskega sporazuma.
The provisions in this Directive on the minimum capital requirements of credit institutions, and the minimum capital provisions in Directive 93/6/EEC for investment firms and credit institutions, form an equivalent to the provisions of the Basel framework agreement.
(34) Nujno je treba upoštevati raznolikost kreditnih institucij v Skupnosti tako, da se zagotovijo različni pristopi za izračun minimalnih kapitalskih zahtev za kreditna tveganja, ki vsebujejo različne stopnje občutljivosti na tveganja in zahtevajo različne stopnje izpopolnjenosti.
(34) It is essential to take account of the diversity of credit institutions in the Community by providing alternative approaches to the calculation of minimum capital requirements for credit risk incorporating different levels of risk-sensitivity and requiring different degrees of sophistication.
Uporaba zunanjih bonitetnih ocen in lastnih ocen kreditnih institucij za posamezne parametre kreditnega tveganja predstavlja pomembno izboljšavo občutljivosti na tveganja in bonitetne trdnosti pravil o kreditnih tveganjih.
Use of external ratings and credit institutions’ own estimates of individual credit risk parameters represents a significant enhancement in the risk-sensitivity and prudential soundness of the credit risk rules.
Kreditne institucije bi morale imeti primerne spodbude za prehod k pristopom, ki so bolj občutljivi na tveganja.
There should be appropriate incentives for credit institutions to move towards the more risk-sensitive approaches.
Če kreditne institucije pri uporabi pristopov te direktive k izračunu kreditnega tveganja predložijo svoje ocene, morajo svoje zahteve po obdelavi podatkov uskladiti z legitimnim interesom za varstvo podatkov svojih strank v skladu z veljavnimi predpisi Skupnosti o varstvu podatkov; pri tem je treba izboljšati postopke kreditnih institucij za merjenje in upravljanje kreditnega tveganja, da se razvijejo metode za določanje bonitetnih kapitalskih zahtev za kreditne institucije, ki upoštevajo različen postopek posameznih kreditnih institucij.
In producing the estimates needed to apply the approaches to credit risk of this Directive, credit institutions will have to adjust their data processing needs to their clients’ legitimate data protection interests as governed by the existing Community legislation on data protection, while enhancing credit risk measurement and management processes of credit institutions to make methods for determining credit institutions’ regulatory own funds requirements available that reflect the sophistication of individual credit institutions’ processes.
V zvezi s tem zajema obdelava podatkov na področju kreditnih dejavnosti in upravljanja kreditov za stranke tudi razvoj in preverjanje sistemov za upravljanje in merjenje kreditnega tveganja, ki so tako namenjeni upravičenemu interesu kreditnih institucij.
In this regard, the processing of data in connection with the incurring and management of exposures to customers should be considered to include the development and validation of credit risk management and measurement systems.
Komisija je pozvana, da izdela sporočilo o tem, koliko zahteve glede varstva podatkov ovirajo izvajanje Direktive.
The Commission is called upon to draw up a communication on the extent to which data protection requirements will hamper the implementation of the Directive.
Uvodna izjava 34 a (novo)
Recital 34 a (new)
(34a) Pri uporabi zunanjih ocen in lastnih ocen kreditnih institucij ali notranjih bonitetnih ocen je treba upoštevati, da le slednje izdela ena enota – finančna institucija sama –, ki je zavezana evropski dolžnosti nadzora.
(34a) With regard to the use of both external and an institution's own estimates or internal ratings account must be taken of the fact that, at present, only the latter are drawn up by an entity - the financial institution itself - which is subject to a European supervisory obligation.
V primeru zunanjih bonitetnih ocen se poseže po izdelkih tako imenovanih priznanih bonitetnih institucij, ki zdaj v Evropi niso zavezane tekočemu nadzoru.
In the case of external ratings use is made of the products of what are known as recognised ratings agencies, which in Europe are not currently subject to ongoing supervision.
Zaradi velikega pomena zunanjih bonitetnih ocen za izračun kapitalskih zahtev v okviru te direktive je potrebno konkretnejše oblikovanje prihodnjega procesa priznavanja in nadzora.
In view of the high status of external ratings in connection with the calculation of capital requirements under this Directive, the future authorisation and supervisory process needs to be structured more clearly.
S stališča poročevalca je treba opozoriti na to, da je pomembna vloga, ki jo Direktiva pripisuje zunanjim bonitetnim ocenam pri izračunu kapitala, ki ga zahteva pristojni organ, problematična zato, ker dajo te ocene na voljo zasebna podjetja, ki zdaj niso zavezana nobeni (evropski) dolžnosti nadzora.
The rapporteur considers that there should be an indication that the significant role that the Directive accords external ratings in connection with the calculation of the capital required for supervisory purposes is problematical, to the extent that these are provided by private firms which are currently not subject to any (European) supervisory obligation.
Uvodna izjava 35 a (novo)
Recital 35 a (new)
(35a) Določbe te direktive ustrezajo načelu sorazmernosti, ker upoštevajo zlasti razlike med kreditnimi institucijami glede njihove velikosti, obsega opravljenih poslov in njihovega področja dejavnosti.
(35a) The provisions of this Directive respect the principle of proportionality, having regard, in particular, to the diversity in size and scale of operations and to the range of activities of credit institutions.
Načelo sorazmernosti pomeni tudi, da so za ugotavljanje izpostavljenosti majhnih dolžnikov priznani najenostavnejši možni bonitetni postopki, tudi v okviru IRB pristopa .
Respect of the principle of proportionality also means that the simplest possible rating procedures, even in the IRB Approach, are recognised for retail exposures.
Uvodna izjava 35 b (novo)
Recital 35 b (new)
(35b) Evropski parlament pozdravlja razvojni značaj te direktive, to pomeni, da lahko institucije izbirajo med tremi pristopi z različno kompleksnostjo.
(35b) The European Parliament welcomes the evolutionary nature of this Directive, i.e. that institutions can choose from three approaches of varying complexity.
Da bi zlasti manjšim kreditnim institucijam omogočili odločitev za bolj tvegan IRB pristop, pristojni organi uporabijo določbe iz člena 89(1)(a) in (b), kadarkoli je to potrebno.
In order to allow especially small credit institutions to opt for the more risk-sensitive IRB Approach, competent authorities shall implement the provisions of Article 89, paragraph 1, points (a) and (b) whenever appropriate.
Določbe si je treba v celotni direktivi razlagati tako, da kategorije izpostavljenosti iz člena 86(1)(a) in (b) vključujejo vse izpostavljenosti, ki so jim neposredno ali posredno enakovredne.
The provisions should be read in such a way that the exposure classes referred to in Article 86 , paragraph 1, points (a) and (b) include all exposures that are - directly or indirectly - put on a par with them throughout this Directive.
Na splošno velja, da pristojni organi ne smejo razlikovati med tremi pristopi glede regulativnega nadzora, to pomeni, da za banke, ki so se odločile za standardizirani pristop, ne smejo veljati strožja pravila.
As a general rule, the competent authorities shall not discriminate between the three approaches with regard to the Supervisory Review Process, i.e. banks operating on the provisions of the Standardised Approach shall not be regulated on a stricter basis.
(36) Večje priznavanje bi moralo biti namenjeno tehnikam zmanjševanja kreditnega tveganja v okviru pravil, pripravljenih z namenom, da neprimerno priznavanje ne bi ogrozilo solventnosti.
(36) Increased recognition should be given to techniques of credit risk mitigation within a framework of rules designed to ensure that solvency is not undermined by undue recognition.
Kadarkoli je možno, je treba pri standardiziranem pristopu, pa tudi pri drugih pristopih, upoštevati relevantne običajne bančne garancije za zmanjševanje kreditnih tveganj, ki so trenutno uveljavljene v državah članicah.
The relevant Member States’ current customary banking collateral for mitigating credit risks should wherever possible be recognised in the Standardised Approach, but also in the other approaches.
Uvodna izjava 38
Recital 38
(38) Operativno tveganje je pomembno tveganje, s katerim se soočajo kreditne institucije, in zahteva kritje z lastnimi viri sredstev.
(38) Operational risk is a significant risk faced by credit institutions requiring coverage by own funds.
Nujno je treba upoštevati raznolikost kreditnih institucij v Skupnosti tako, da se zagotovijo različni pristopi za izračun zahtev za operativno tveganje, ki vsebujejo različne stopnje občutljivosti na tveganja in zahtevajo različne stopnje izpopolnjenosti.
It is essential to take account of the diversity of credit institutions in the Community by providing alternative approaches to the calculation of operational risk requirements incorporating different levels of risk-sensitivity and requiring different degrees of sophistication.
Glede na nastajajoče najnovejše tehnike za merjenje in upravljanje z operativnimi tveganji, bi se morala pravila pregledovati in ustrezno posodabljati, vključno v zvezi s stroški za različna poslovna področja in priznavanjem tehnik za zmanjševanje tveganja.
In view of the emerging state of the art for the measurement and management of operational risk the rules should be kept under review and updated as appropriate including in relation to the charges for different business lines and the recognition of risk mitigation techniques.
Tu je treba posebno pozornost nameniti upoštevanju zavarovanj v posameznih pristopih za izračun kapitalskih zahtev za operativno tveganje.
Particular attention should be paid in this regard to taking insurance into account in the simple approaches to calculating capital requirements for operational risk.
Poročevalec pozdravlja predvideno redno preverjanje in evtl. posodabljanje metod za registriranje operativnih tveganj, ki so zdaj deloma še preveč približne.
The rapporteur welcomes the proposed regular review and possible updating of the methods for dealing with operational risk, parts of which have hitherto been too crude.
To velja zlasti za možnost, da se zavarovanja upoštevajo v posameznih pristopih pri izračunu kapitalskih zahtev za operativno tveganje.
This is particularly true of the possibility of taking insurance into account in the simple approaches to calculating capital requirements for operational risk.
Uvodna izjava 48
Recital 48
(48) Da bi notranji bančni trg učinkovito deloval, bi moral Odbor evropskih bančnih nadzornikov prispevati k dosledni uporabi te direktive in zbliževanju nadzornih praks na celotnem ozemlju Skupnosti.
(48) In order for the internal market in banking to operate effectively the Committee of European Banking Supervisors should contribute to the consistent application of this directive and to the convergence of supervisory practices throughout the Community.
(48) Da bi notranji bančni trg učinkovito deloval, bi moral Odbor evropskih bančnih nadzornikov prispevati k dosledni uporabi te direktive in zbliževanju nadzornih praks na celotnem ozemlju Skupnosti.
(48) In order for the internal market in banking to operate effectively the Committee of European Banking Supervisors should contribute to the consistent application of this Directive and to the convergence of supervisory practices throughout the Community.
Odbor evropskih bančnih nadzornikov bi moral Evropskemu odboru za bančništvo in Evropskemu parlamentu vsako leto poročati o napredku glede konvergence nadzornih praks in izvajanja nacionalne volilne pravice.
The Committee of European Banking Supervisors should report to the European Banking Committee and the European Parliament on a yearly basis on the progress made with regard to the convergence of supervisory practices and the exercise of national discretion.
Poročevalec pozdravlja zahtevo Sveta, da naj bi Odbor evropskih bančnih nadzornikov vsako leto predložil poročila o napredku v zvezi s konvergenco nadzornih praks.
The rapporteur welcomes the Council's call for the Committee of European Banking Supervisors to present annual progress reports on the convergence of supervisory practices.
Razen tega je treba poročati ne le Evropskemu odboru za bančništvo, ampak tudi Evropskemu svetu.
However, it should report not only to the European Banking Committee but also to the European Parliament.
S tem bo obema institucijama omogočeno, da bosta lahko natančno spremljali zastavljeno konvergenco nadzornih praks in izvajanje nacionalne volilne pravice.
This will enable both institutions to keep a close eye on the goal of convergence of supervisory practices and also on the exercise of national discretion.
Uvodna izjava 48a (novo)
Recital 48 a (new)
(48a) Komisija in Odbor evropskih bančnih nadzornikov morata za svoje delo zagotoviti parlamentarni in politični nadzor, da se pri evropskem usklajevanju in vzporedno tudi pri nacionalnem izvajanju upreta nevarnosti zakonske prakse brez demokratične legitimacije.
(48a) The Commission and the Committee of European Banking Supervisors must ensure parliamentary and political scrutiny of their work, in order to obviate the risk of regulations being made without democratic legitimacy where both the European adoption thereof and, in parallel, national transposition are concerned.
S stališča poročevalca je treba zagotoviti, da je delo Odbora evropskih bančnih nadzornikov zavezano demokratičnemu nadzoru.
The rapporteur considers that it is essential to ensure that the work of the Committee of European Banking Supervisors is subject to democratic scrutiny
Uvodna izjava 57 a (novo)
Recital 57 a (new)
Pomembno je zagotoviti pravice Parlamentu, kot določa člen I-36 Pogodbe o Ustavi za Evropo.
It is important to ensure the rights of Parliament as provided for in Article I-36 of the Treaty establishing a Constitution for Europe .
Zato določbe, ki podeljujejo izvedbena pooblastila Komisiji ne smejo stopiti v veljavo, dokler medinstitucionalni sporazum ne kodificira obstoječega sporazuma.
Therefore the provisions conferring implementing powers on the Commission should not enter into force until an inter-institutional agreement codifies this existing agreement.
1 UL C 284 E, 21.11.2002, str.
1 OJ C 284 E, 21.11.2002, p.
2 UL C 284 E, 21.11.2002, str.
2 OJ C 284 E, 21.11.2002, p.
Institucije, ki so trajno izključene na podlagi člena 5 , z izjemo centralnih bank držav članic, se štejejo za finančne institucije za namene člena 39 in oddelka 1 Poglavja 4 Naslova 5.
The institutions permanently excluded pursuant to Article 5 , with the exception, however, of the central banks of the Member States, shall be treated as financial institutions for the purposes of Article 39 and Title V, Chapter 4, Section 1.
Institucije, ki so trajno izključene na podlagi člena 2 , z izjemo centralnih bank držav članic, se štejejo za finančne institucije za namene člena 39 in oddelka 1 Poglavja 4 Naslova 5.
The institutions permanently excluded pursuant to Article 2 , with the exception, however, of the central banks of the Member States, shall be treated as financial institutions for the purposes of Article 39 and Title V, Chapter 4, Section 1.
Popravek sklicevanja / tipografska napaka
Cross reference / Typographical error.
Člen 3, odstavek 1, pododstavek 3
Article 3, paragraph 1, subparagraph 3
Pri kreditnih institucijah, razen tistih, ki so ustanovljene na območjih, iztrganih morju, ali ki so posledica razdružitve ali združitev obstoječih institucij, odvisnih od centralnega organa ali mu odgovarjajo, lahko Komisija na podlagi postopka iz člena 150 , določi dodatna pravila za uporabo drugega pododstavka, vključno z razveljavitvijo izvzetij, predvidenih v prvem pododstavku, če je mnenja, da lahko združenje novih institucij, ki imajo korist od ureditve iz drugega pododstavka, neugodno vpliva na konkurenco.
In the case of credit institutions other than those which are set up in areas newly reclaimed from the sea or have resulted from scission or mergers of existing institutions dependent or answerable to the central body, the Commission, pursuant to the procedure set out in Article 150 may lay down additional rules for the application of the second subparagraph including the repeal of exemptions provided for in the first subparagraph, where it is of the opinion that the affiliation of new institutions benefiting from the arrangements laid down in the second subparagraph might have an adverse effect on competition.
Pri kreditnih institucijah, razen tistih, ki so ustanovljene na območjih, iztrganih morju, ali ki so posledica razdružitve ali združitev obstoječih institucij, odvisnih od centralnega organa ali mu odgovarjajo, lahko Komisija na podlagi postopka iz člena 151 , določi dodatna pravila za uporabo drugega pododstavka, vključno z razveljavitvijo izvzetij, predvidenih v prvem pododstavku, če je mnenja, da lahko združenje novih institucij, ki imajo korist od ureditve iz drugega pododstavka, neugodno vpliva na konkurenco.
In the case of credit institutions other than those which are set up in areas newly reclaimed from the sea or have resulted from scission or mergers of existing institutions dependent or answerable to the central body, the Commission, pursuant to the procedure set out in Article 151 may lay down additional rules for the application of the second subparagraph including the repeal of exemptions provided for in the first subparagraph, where it is of the opinion that the affiliation of new institutions benefiting from the arrangements laid down in the second subparagraph might have an adverse effect on competition.
(6) „institucije“ za namene oddelkov 2 in 3 v poglavju 2 naslova V pomeni institucije, opredeljene v [ členu 2(3) Direktive Sveta 96/3/EGS];
(6) «institutions», for the purposes of Sections 2 and 3 of Title V, Chapter 2, means institutions as defined in [ Article 2(3) of Council Directive 96/3/EEC];
(6) „institucije“ za namene oddelkov 2 in 3 v poglavju 2 naslova V pomeni institucije, opredeljene v [ členu 3(1)(c) Direktive Sveta 96/3/EGS];
(6) «institutions», for the purposes of Sections 2 and 3 of Title V, Chapter 2, means institutions as defined in [ Article 3(1)(c) of Council Directive 96/3/EEC];
Člen 4, točka 6 a (novo)
Article 4, point 6 a (new)
6a. „mala in srednje velika podjetja“ pomenijo podjetja, ki spadajo v skupino s konsolidiranim letnim prometom pod 50 milijonov EUR.
(6a) "small or medium-sized undertaking" means an undertaking belonging to a group with consolidated annual turnover of less than EUR 50 million.
Če je upravičeno, lahko konsolidiran letni promet preseže 50 milijonov EUR.
When justified, the consolidated annual turnover may exceed EUR 50 million.
Za uvrstitev v kreditni portfelj majhnih dolžnikov je potrebna opredelitev pojma „malih in srednje velikih podjetij“.
A definition of the concept of small or medium-sized undertaking is needed for the classification relating to the retail portfolio.
Opredelitev mora biti skladna z ustrezno opredelitvijo v portfelju podjetniških terjatev (odstavek 4 dela 1 Priloge VII).
It should match the corresponding definition in the undertaking portfolio (Annex VII, Part 1, point 4)
(10) «udeležba» za namene točk (o) in (p) členov 57(2) , 71 do 73 in naslova V, Poglavje 4, pomeni udeležbo v smislu prvega stavka člena 17 Direktive Sveta 78/660/EGS 1 , ali lastnišvo, neposredno ali posredno, 20% ali več glasovalnih pravic ali kapitala podjetja;
(10) «participation» for the purposes of points (o) and (p) of Articles 57 (2) , 71 to 73 and Title V, Chapter 4 means participation within the meaning of the first sentence of Article 17 of Council Directive 78/660/EEC 1 , or the ownership, direct or indirect, of 20 % or more of the voting rights or capital of an undertaking;
10 «udeležba» za namene točk (o) in (p) členov 57 , 71 do 73 in naslova V, Poglavje 4, pomeni udeležbo v smislu prvega stavka člena 17 Direktive Sveta 78/660/EGS 1 , ali lastnišvo, neposredno ali posredno, 20% ali več glasovalnih pravic ali kapitala podjetja;
(10) «participation» for the purposes of points (o) and (p) of Articles 57 , 71 to 73 and Title V, Chapter 4 means participation within the meaning of the first sentence of Article 17 of Council Directive 78/660/EEC 1 , or the ownership, direct or indirect, of 20 % or more of the voting rights or capital of an undertaking;
Člen 4, točka 14
Article 4, point 14
14. „matična kreditna institucija v državi članici“ pomeni kreditno institucijo, ki ima hčerinsko podjetje, ki je kreditna institucija ali finančna institucija, ali ki je udeležena v taki instituciji, in ki sama ni hčerinsko podjetje druge kreditne institucije z dovoljenjem v isti državi članici, ali finančni holding, ustanovljen v isti državi članici, in v kateri nobena druga kreditna institucija z dovoljenjem v isti državi članici ni udeležena;
(14) "parent credit institution in a Member State" means a credit institution which has a credit institution or a financial institution as a subsidiary or which holds a participation in such an institution, and which is not itself a subsidiary of another credit institution authorised in the same Member State, or of a financial holding company set up in the same Member State , and in which no other credit institution authorised in the same Member State holds a participation ;