natgillin/translations-raw huggingface dataset:
Odstavek 1 se ne uporablja za:
Paragraph 1 shall not apply to:
(a) transakcije na podlagi jasnega, preglednega in dostopnega indeksa, če so osnovni referenčni subjekti enaki tistim, ki sestavljajo indeks subjektov, s katerim se veliko trguje, ali če so to drugi prenosni vrednostni papirji, razen pozicij listinjenja;
(a) transactions based on a clear, transparent and accessible index, where the underlying reference entities are identical to those that make up an index of entities that is widely traded, or are other tradable securities other than securitisation positions;
(b) konzorcijska posojila, odkupljene denarne terjatve ali zamenjave neplačil, če se ti instrumenti ne uporabljajo za združevanje listinjenih sredstev, zajetih v odstavku 1 in/ali njihovo varovanje pred tveganjem .
(b) syndicated loans , purchased receivables or credit default swaps where these instruments are not used to package and/or hedge a securitisation that is covered by paragraph 1.
Člen 122a – odstavek 3
Article 122a – paragraph 3
Odstavka 1 in 2 se uporabljata za izpostavljenosti, ki jih imajo kreditne institucije po 1. januarju 2011.
Paragraphs 1 and 2 shall apply to exposures incurred by the credit institution after 1 January 2011.
Pristojni organi se lahko odločijo, da v obdobjih izrednih razmer za splošno tržno likvidnost začasno zadržijo zahteve.
Competent authorities may decide to temporarily suspend the requirements during periods of general market liquidity stress.
Člen 122a – odstavek 4
Article 122a – paragraph 4
Kreditne institucije morajo biti pred naložbami in stalno v vsakem trenutku pristojnim organom za vsako svojo pozicijo listinjenja sposobne pisno dokazati, da dobro razumejo formalne politike in postopke za analizo in evidentiranje in da jih tudi izvajajo:
Before investing and on an ongoing basis , credit institutions shall be able to demonstrate at all times to the competent authorities for each of their individual securitisation positions that they have a comprehensive and thorough understanding of and have implemented formal policies and procedures for analysing and recording , in writing :
Kreditne institucije, ki niso originatorji ali sponzorji ali prvotni posojilodajalci , morajo biti pred naložbami in če je potrebno, po njih, za vsako od svojih pozicij listinjenja sposobne dokazati pristojnim organom, da dobro razumejo ter izvajajo formalne politike in postopke, ki so primerni za njihovo trgovalno knjigo in bančno knjigo in sorazmerni s profilom tveganja njihovih naložb v pozicijah listinjenja, za analizo in evidentiranje:
Before investing , and as appropriate thereafter, credit institutions , other than originators or sponsors or original lenders, shall be able to demonstrate to the competent authorities for each of their individual securitisation positions , that they have a comprehensive and thorough understanding of and have implemented formal policies and procedures appropriate to their trading book and non-trading book and commensurate with the risk profile of their investments in securitised positions for analysing and recording:
(a) obveznost iz odstavka 1, da morajo originatorji in /ali sponzorji ohranjati neto delež v listinjenju in obdobje, za katero ta obveznost velja ;
(a) the commitment, under paragraph 1, of originators and/ or sponsors to maintain a net economic interest in the securitisation and the period for which such commitment is given ;
(a) informacij , ki jih originatorji ali sponzorji razkrijejo v skladu s točko 1, da določijo neto delež, ki ga stalno ohranjajo v listinjenju;
(a) information disclosed under paragraph 1, by originators or sponsors to specify the net economic interest that they maintain, on an ongoing basis, in the securitisation;
(b) značilnosti tveganja posameznih pozicij listinjenja;
(b) the risk characteristics of the individual securitisation position;
(c) značilnosti tveganja izpostavljenosti iz naslova pozicij listinjenja;
(c) the risk characteristics of the exposures underlying the securitisation position;
(d) dobro ime in izkušnje dejanske izgube pri prejšnjih listinjenjih originatorjev v zadevnih kategorijah izpostavljenosti iz naslova pozicij listinjenja ;
(d) the reputation and loss experience in earlier securitisations of the originators in the relevant exposure classes underlying the securitization position;
(d) dobrega imena in izkušenj dejanske izgube pri prejšnjih listinjenjih originatorjev ali sponzorjev v zadevnih kategorijah izpostavljenosti iz naslova pozicij listinjenja;
(d) the reputation and loss experience in earlier securitisations of the originators or sponsors in the relevant exposure classes underlying the securitisation position;
(e) izjave originatorjev in sponzorjev o svoji skrbnosti v zvezi z dolžniki in po potrebi v zvezi s kakovostjo zavarovanja izpostavljenosti iz naslova pozicije listinjenja ;
(e) the statements made by the originators and sponsors about the due diligence undertaken by them on the obligors and, where applicable, on the collateral quality of the exposures underlying the securitization position ;
(e) izjav originatorjev ali sponzorjev oziroma njihovih zastopnikov ali svetovalcev o njihovi skrbnosti glede listinjenih izpostavljenosti in po potrebi glede kakovosti zavarovanja za kritje listinjenih izpostavljenosti, potrebne skrbnosti originatorjev ali sponzorjev ali potrebne skrbnosti v njihovem imenu, ki morajo biti na voljo v skladu z načelom potrebne odprte skrbnosti ;
(e) the statements made by the originators or sponsors , or their agents or advisors, about their due diligence on the securitised exposures and, where applicable, on the quality of the collateral supporting the securitised exposures , due diligence by or on behalf of the originators or sponsors should be available under the principle of open due diligence ;
(f) kjer je primerno, metodologije in koncepte, na katerih temelji vrednotenje zavarovanja za kritje izpostavljenosti iz naslova pozicije listinjenja , ter politike, ki jih sprejmejo originatorji , da zagotovijo neodvisnost ocenjevalca in
(f) where applicable, the methodologies and concepts on which the valuation of collateral supporting the exposures underlying the securitization position is based and the policies adopted by the originators to ensure the independence of the valuer; and
(f) kjer je primerno, metodologij in konceptov , na katerih temelji vrednotenje zavarovanja za kritje listinjenih izpostavljenosti, ter politik , ki jih sprejme originator ali sponzor , da zagotovi neodvisnost ocenjevalca; ter
(f) where applicable, the methodologies and concepts on which the valuation of collateral supporting the securitised exposures is based and the policies adopted by the originator or sponsor to ensure the independence of the valuer; and
(g) vse strukturne lastnosti listinjenja, ki lahko bistveno vplivajo na uspešnost pozicij listinjenja kreditne institucije.
(g) all the structural features of the securitisation that can materially impact the performance of the credit institution's securitisation position.
Kreditne institucije v ta namen pred naložbami in po njih redno izvajajo in evidentirajo ustrezna testiranja izjemnih situacij , ki se izvajajo neodvisno od ECAI, ki so ocenili listinjenje, in ki temeljijo na vseh ustreznih informacijah, ki jih v ta namen zagotovi originator.
To this end, credit institutions shall prior to investing and regularly thereafter perform and record appropriate stress tests , such stress tests to be conducted independently of the ECAI or ECAIs who have rated the securitisation and to be based on all relevant information provided by the originator for this purpose.
(g) vseh strukturnih lastnosti listinjenja, ki lahko bistveno vplivajo na uspešnost pozicij listinjenja kreditne institucije.
(g) all the structural features of the securitisation that can materially impact the performance of the credit institution's securitisation position.
Kreditne institucije redno izvajajo lastna testiranja izjemnih razmer , ki ustrezajo njihovim pozicijam listinjenja.
Credit institutions shall regularly perform their own stress tests appropriate to their securitisation positions.
V ta namen se lahko kreditne institucije zanašajo na testiranja izjemnih razmer, ki jih izvaja ECAI, pod pogojem, da lahko na zahtevo dokažejo, da razumejo metodologijo, predpostavke in rezultate.
To this end, credit institutions may rely on stress tests performed by an ECAI provided that credit institutions can demonstrate, when requested, that they understand methodology, assumptions and results.
Člen 122a – odstavek 5
Article 122a – paragraph 5
Kreditne institucije vzpostavijo formalne postopke za stalno in časovno ustrezno spremljanje informacij glede uspešnosti izpostavljenosti iz naslova njihovih pozicij listinjenja.
Credit institutions shall establish formal procedures to monitor on an ongoing basis and in a timely manner performance information on the exposures underlying their securitisation positions.
Kjer je primerno, to vključuje vsaj vrsto izpostavljenosti, trajanje izpostavljenosti, ki jih je imel originator, vključno z odstotkom, ki ga je imel originator manj kot dve leti, odstotek posojil, zapadlih 30, 60 in 90 dni, stopnje naplačil, stopnje predhodnih plačil, posojila v izvršilnem postopku, vrsto zavarovanja in zasedenost, porazdelitev pogostnosti kreditnih točk ali drugih ukrepov kreditne sposobnosti za osnovne izpostavljenosti, panožno in geografsko razpršitev, porazdelitev pogostnosti posojil proti zastavi z obsegi, ki omogočajo lažjo ustrezno analizo občutljivosti.
Where relevant, this shall include , at a minimum : the exposure type, the length of time the exposures have been held by the originator including the percentage held by the originator for less than 2 years, the percentage of loans more than 30, 60 and 90 days past due, default rates, prepayment rates, loans in foreclosure, collateral type and occupancy, frequency distribution of credit scores or other measures of credit worthiness across underlying exposures, industry and geographical diversification, frequency distribution of loan to value ratios with band widths that facilitate adequate sensitivity analysis.
Če so osnovne izpostavljenosti same pozicije listinjenja, se za izpostavljenosti iz naslova teh pozicij listinjenja uporabljajo zahteve za spremljanje in dostop do informacij .
Where the underlying exposures are themselves securitisation positions, the requirements to monitor and be able to access information shall apply to the exposures underlying these securitisation positions .
Če zahteve iz odstavka 4 in iz tega odstavka niso izpolnjene, kreditne institucije za te pozicije listinjenja uporabijo utež tveganja 1 250 % teh pozicij listinjenja v skladu z delom 4 Priloge IX.
Where the requirements in paragraph 4 and in this paragraph are not met , credit institutions shall apply a risk weight of 1250% to these securitisation positions under Annex IX, part 4.
Kreditne institucije , ki niso originatorji ali sponzorji ali prvotni posojilodajalci, pred naložbami in po potrebi po njih vzpostavijo formalne postopke, primerne za njihovo trgovalno knjigo in bančno knjigo ter sorazmerne s profilom tveganja njihovih naložb v pozicijah listinjenja , za stalno in časovno ustrezno spremljanje informacij glede uspešnosti izpostavljenosti iz naslova njihovih pozicij listinjenja.
Before investing , and as appropriate thereafter, credit institutions , other than originators or sponsors or original lenders, shall establish formal procedures appropriate to their trading book and non-trading book and commensurate with the risk profile of their investments in securitised positions to monitor on an ongoing basis and in a timely manner performance information on the exposures underlying their securitisation positions.
Kjer je ustrezno, to vključuje odstotek posojil, zapadlih 30, 60 in 90 dni, stopnje naplačil, stopnje predhodnih plačil, posojila v izvršilnem postopku, vrsto zavarovanja in zasedenost, porazdelitev pogostnosti kreditnih točk ali drugih ukrepov kreditne sposobnosti za osnovne izpostavljenosti, panožno in geografsko razpršitev, porazdelitev pogostnosti posojil proti zastavi z obsegi, ki omogočajo lažjo ustrezno analizo občutljivosti.
Where relevant, this shall include: the exposure type, the percentage of loans more than 30, 60 and 90 days past due, default rates, prepayment rates, loans in foreclosure, collateral type and occupancy, frequency distribution of credit scores or other measures of credit worthiness across underlying exposures, industry and geographical diversification, frequency distribution of loan to value ratios with band widths that facilitate adequate sensitivity analysis.
Če so osnovne izpostavljenosti same pozicije listinjenja, imajo kreditne institucije poleg navedenih informacij o osnovnih tranšah listinjenja, npr. imenu izdajatelja in kreditni kvaliteti, tudi informacije o značilnostih in donosnosti paketov iz naslova teh tranš listinjenja.
Where the underlying exposures are themselves securitisation positions, credit institutions shall have the above-listed information not only on the underlying securitisation tranches, such as the issuer name and credit quality, but also on the characteristics and performance of the pools underlying these securitisation tranches .
Kreditne institucije dobro poznajo vse strukturne značilnosti poslov listinjenja, ki bi bistveno vplivale na uspešnost njihovih izpostavljenosti do poslov, kot so poravnava pogodbenih obveznosti po kaskadnem principu in z njim povezani sprožilci, izboljšave kreditne kvalitete, izboljšave likvidnosti, sprožilci tržne vrednosti in opredelitve neplačila glede na transakcijo.
Credit institutions shall have a thorough understanding of all structural features of a securitisation transaction that would materially impact the performance of their exposures to the transaction such as the contractual waterfall and waterfall related triggers, credit enhancements, liquidity enhancements, market value triggers, and deal-specific definition of default .
Če zahteve iz odstavkov 4 in 7 ter iz tega odstavka s kakršnegakoli vsebinskega vidika zaradi malomarnosti ali opustitve dejanja s strani kreditne institucije, niso izpolnjene, pristojni organ naloži sorazmerno kazen 150 % uteži tveganja (z zgornjo mejo 1250 %), ki bi z izjemo tega odstavka veljala za zadevne pozicije listinjenja v skladu z delom 4 Priloge IX.
Where the requirements in paragraph s 4 and 7 and in this paragraph are not met in any material respect by reason of the negligence or omission of the credit institution, the competent authority shall impose a proportionate penalty of 150 % of the risk weight (capped at 1 250 %) which would, but for this paragraph, apply to the relevant securitisation positions under Annex IX, part 4.
Pristojni organ upošteva izjeme za nekatera listinjenja, predvidena v odstavku 2, tako da zmanjša kazen, ki bi jo sicer naložil v skladu s to določbo za listinjenje iz odstavka 2.
The competent authority shall take into account the exemptions for certain securitisations provided in paragraph 2 by reducing the penalty it would otherwise impose under this provision in respect of a securitisation to which paragraph 2 applies.
Člen 122a – odstavek 6
Article 122a – paragraph 6
Kreditne institucije sponzorji in kreditne institucije originatorji uporabijo za izpostavljenosti, ki se bodo listinjile, ista zanesljiva in jasno opredeljena merila za odobritev kreditov v skladu z zahtevami točke 3 Priloge V, kot se uporabljajo za izpostavljenosti, ki jih bodo zadržale v svoji bančni knjigi.
Sponsor and originator credit institutions shall apply the same sound and well-defined criteria for credit-granting in accordance with the requirements of Annex V, point 3 to exposures to be securitised as they apply to exposures to be held on their own non-trading book.
V ta namen kreditne institucije sponzorji in kreditne institucije originatorji uporabijo iste postopke za odobritev in po potrebi za spremembo, obnavljanje in ponovno financiranje kreditov.
To this end the same processes for approving and, where relevant, amending, renewing and re-financing credits shall be applied by the originator and sponsor credit institutions.
Kreditne institucije uporabijo iste standarde za analizo tudi za udeležbe in/ali prevzem izdaj listinjenja , kupljenih od tretjih strani, ne glede na to, ali bodo te udeležbe in/ali prevzem v tržni ali bančni knjigi.
Credit institutions shall also apply the same standards of analysis to participations and/or underwritings in securitization issues purchased from third parties whether such participations and/or underwritings are to be held on their trading or non-trading book.
Kreditne institucije uporabijo iste standarde za analizo tudi za udeležbe in/ali prevzem izdaj listinjenja, kupljenih od tretjih strani, ne glede na to, ali bodo te udeležbe in/ali prevzem v tržni ali bančni knjigi.
Credit institutions shall also apply the same standards of analysis to participations and/or underwritings in securitisation issues purchased from third parties whether such participations and/or underwritings are to be held on their trading or non-trading book.
Če zahteve iz odstavka 6 niso izpolnjene, kreditna institucija originator ne uporablja člena 95(1) in listinjenih izpostavljenosti ne sme izključiti iz izračuna kapitalskih zahtev v skladu s to direktivo.
Where the requirements in paragraph 6 are not met, Article 95(1) shall not be applied by an originator credit institution which will not be allowed to exclude the securitised exposures from the calculation of its capital requirements under this Directive.
Člen 122a – odstavek 7
Article 122a – paragraph 7
Kreditne institucije sponzorji in kreditne institucije originatorji vlagateljem sporočijo stopnjo svoje obveznosti v skladu z odstavkom 1, da obdržijo neto gospodarski interes v listinjenju.
Sponsor and originator credit institutions shall disclose to investors the level of their commitment under paragraph 1 to maintain a net economic interest in the securitisation.
Kreditne institucije sponzorji in kreditne institucije originatorji morebitnim vlagateljem zagotovijo dostop do vseh pomembnih podatkov o kreditni kvaliteti in uspešnosti posameznih osnovnih izpostavljenosti, denarnih tokov in zavarovanju za kritje izpostavljenosti iz naslova pozicije listinjenja ter podatkov, ki so potrebni za izvedbo obsežnih in dobro premišljenih testov izjemnih situacij glede denarnih tokov in vrednosti zavarovanja za kritje izpostavljenosti iz naslova pozicije listinjenja.
Sponsor and originator credit institutions shall ensure that prospective investors have readily available access to all materially relevant data on the credit quality and performance of the individual underlying exposures, cash flows and collateral supporting a securitization exposure as well as such information that is necessary to conduct comprehensive and well informed stress tests on the cash flows and collateral values supporting the underlying exposures.
Če te zahteve in zahteve iz odstavka 6 niso izpolnjene, kreditna institucija originator ne uporablja člena 95(1) in listinjenih izpostavljenosti ne sme izključiti iz izračuna kapitalskih zahtev v skladu s to direktivo.
Where these requirements and those in paragraph 6 are not met, Article 95 (1) shall not be applied by an originator credit institution which will not be allowed to exclude the securitised exposures from the calculation of its capital requirements under this Directive.
Kreditne institucije sponzorji in kreditne institucije originatorji morebitnim vlagateljem zagotovijo dostop do vseh pomembnih podatkov o kreditni kvaliteti in uspešnosti posameznih osnovnih izpostavljenosti, denarnih tokov in zavarovanju za kritje izpostavljenosti iz naslova pozicije listinjenja ter podatkov, ki so potrebni za izvedbo obsežnih in dobro premišljenih testov izjemnih situacij glede denarnih tokov in vrednosti zavarovanja za kritje izpostavljenosti iz naslova pozicije listinjenja.
Sponsor and originator credit institutions shall ensure that prospective investors have readily available access to all materially relevant data on the credit quality and performance of the individual underlying exposures, cash flows and collateral supporting a securitisation exposure as well as such information that is necessary to conduct comprehensive and well informed stress tests on the cash flows and collateral values supporting the underlying exposures.
V ta namen se določijo 'ustrezni podatki' na datum listinjenja.
For this purpose, 'materially relevant data' shall be determined on the date of the securitisation.
Člen 122a – odstavek 8
Article 122a – paragraph 8
Odstavki 4 do 7 se uporabljajo za listinjenja, izdana od datuma, ko stopi v veljavo ta direktiva, in za obstoječa listinjenja, kjer se po tem datumu dodajo ali odvzamejo nove osnovne izpostavljenosti.
Paragraphs 4 to 7 shall apply to securitisations issued from the date that this Directive comes into effect and to existing securitisations where new underlying exposures are added or substituted after that date.
Odstavki 1 do 7 se uporabljajo za nova listinjenja, izdana od 1. januarja 2011.
Paragraphs 1 to 7 shall apply to new securitisations issued from 1 January 2011.
Odstavki 1 do 7 se uporabljajo od 1. januarja 2014 za obstoječa listinjenja, kjer se po tem datumu dodajo ali odvzamejo nove osnovne izpostavljenosti.
Paragraphs 1 to 7 shall apply from 1 January 2014 to existing securitisations where new underlying exposures are added or substituted after that date.
Pristojni organi se lahko odločijo, da v obdobjih izrednih razmer za splošno tržno likvidnost začasno opustijo zahteve iz odstavkov 1 in 2.
Competent authorities may decide temporarily to suspend the requirements referred to in paragraphs 1 and 2 during periods of general market liquidity stress .
Člen 122a – odstavek 10
Article 122a – paragraph 10
Odbor evropskih bančnih nadzornikov Komisiji vsako leto poroča o tem, ali pristojni organi izpolnjujejo zahteve tega člena.
The Committee of European Banking Supervisors will report annually to the Commission about the compliance by competent authorities with this Article.
Komisija najpozneje decembra 2014 Evropskemu parlamentu in Svetu poroča o uporabi in učinkovitosti tega člena glede na razvoj na trgu.“
The Commission shall, no later than December 2014, report to the European Parliament and the Council on the application and effectiveness of this Article in the light of market developments."
Odbor evropskih bančnih nadzornikov pripravi smernice za konvergenco nadzornih praks v zvezi s kaznimi, ki jih v skladu s tem členom predlaga pristojni organ.
The Committee of European Banking Supervisors shall elaborate guidelines for the convergence of supervisory practices with regard to the penalties imposed by competent authorities under this Article.
Člen 1 – točka 28 – točka a – točka i
Article 1 – point 28 – point a – point i
Člen 129 – odstavek 1 – točka b
Article 129 – paragraph 1 – point b
(b) načrtovanje in usklajevanje nadzorniških dejavnosti v okviru rednega poslovanja, vključno v zvezi z dejavnostmi iz členov 123, 124, 136, poglavja 5 in Priloge V, v sodelovanju z vključenimi pristojnimi organi;
(b) planning and coordination of supervisory activities in going concern situations, including in relation to the activities referred to in Articles 123, 124 , 136, in Chapter 5 and in Annex V, in cooperation with the competent authorities involved;
(b) načrtovanje in usklajevanje nadzorniških dejavnosti v okviru rednega poslovanja, vključno v zvezi z dejavnostmi iz členov 123, 124, 136, poglavja 5 in Priloge V, v sodelovanju z vključenimi pristojnimi organi in centralnimi bankami ;
(b) planning and coordination of supervisory activities in going concern situations, including in relation to the activities referred to in Articles 123, 124, 136, in Chapter 5 and in Annex V, in cooperation with the competent authorities and central banks involved;
Člen 1 – točka 28 - točka b
Article 1 – point 28 - point b
Člen 129 – odstavek 3 – pododstavek 1 – točka a
Article 129 – paragraph 3 –subparagraph 1 – point a