natgillin/translations-raw huggingface dataset:
(b) da se zagotovi, da je delež postavk stopnje 3 primernih lastnih sredstev manjši od tretjine skupnih primernih lastnih sredstev, se primerni znesek stopnje 3 omeji na polovico skupnega zneska stopnje 1 in primernega zneska postavk stopnje 2.
(b) in order to ensure that the proportion of Tier 3 items in the eligible own funds is less than one third of the total eligible own funds, the eligible amount of Tier 3 shall be limited to half the total amount of Tier 1 and eligible amount of Tier 2 items.
Kar zadeva zahtevani minimalni kapital, se znesek postavk primernih osnovnih lastnih sredstev za kritje zahtevanega minimalnega kapitala, ki so razvrščene v stopnjo 2, omeji na skupni znesek postavk stopnje 1, da se zagotovi, da je delež postavk stopnje 1 primernih osnovnih lastnih sredstev večji od polovice skupnih primernih osnovnih lastnih sredstev,
As far as the Minimum Capital Requirement is concerned, in order to ensure that the proportion of Tier 1 items in the eligible basic own funds shall be higher than one half of the total eligible basic own funds, the amount of basic own fund items eligible to cover the Minimum Capital Requirement which are classified in Tier 2 shall be limited to the total amount of Tier 1 items.
Če so bile uvedene podstopnje v skladu s točko (a) člena 97(1), se posebne omejitve uporabijo za znesek postavk lastnih sredstev v teh podstopnjah.
Where sub-tiers have been introduced, in accordance with point (a) of Article 97 (1), specific limits shall apply to the amount of own fund items classified in those sub-tiers.
Primerni znesek lastnih sredstev za kritje zahtevanega solventnostnega kapitala iz člena 100 je enak vsoti zneska stopnje 1, primernega zneska stopnje 2 in primernega zneska stopnje 3.
The eligible amount of own funds to cover the Solvency Capital Requirement set out in Article 100 shall be equal to the sum of the amount of Tier 1, the eligible amount of Tier 2 and the eligible amount of Tier 3.
Primerni znesek osnovnih lastnih sredstev za kritje zahtevanega minimalnega kapitala iz člena 126 je enak vsoti zneska stopnje 1 in primernega zneska postavk osnovnih lastnih sredstev, razvrščenih v stopnjo 2.
The eligible amount of basic own funds to cover the Minimum Capital Requirement set out in Article 126 shall be equal to sum of the amount of Tier 1 and the eligible amount of basic own fund items classified in Tier 2.
Stopnje in omejitve so v določeni obliki zaželene, da se podjetjem prepreči neustrezna kapitalizacija s kapitalom slabe kakovosti.
Some form of tiering and restrictions is desirable to prevent companies being inappropriately capitalised with capital of relatively low quality.
Kljub temu so meje primernosti, kot so predvidene v členu 98, pretirane, samovoljne in ne temeljijo na ekonomski logiki.
However, the eligibility limits, as proposed in the Article 98, are excessive, arbitrary and not based on a economic rationale.
Člen 99 – odstavek 1
Article 99 – paragraph 1
Če so bile uvedene podstopnje, sprejme Komisija izvedbene ukrepe, s katerimi določi posebne omejitve, ki veljajo za podstopnje .
The Commission shall adopt implementing measures laying down the specific limits applicable to Tiers and sub-tiers, where sub-tiers have been introduced .
Komisija lahko sprejme izvedbene ukrepe, ki omejujejo kapital stopnje 2 in stopnje 3 do zneskov, ki se lahko prikažejo kot nujni pri zagotavljanju ustrezne ravni varstva za zavarovalce .
The Commission may adopt implementing measures restricting Tier 2 and Tier 3 capital to the amounts that may be demonstrated to be necessary to provide an appropriate level of protection for policyholders .
Kot je podrobneje pojasnjeno v predlogu spremembe k členu 98, je dodatne omejitve glede lastnih sredstev, ki jih je mogoče uporabiti za minimalni zahtevani kapital in zahtevani solventnostni kapital, mogoče opredeliti v izvedbenih ukrepih na stopnji 2.
As explained in more detail in the amendment to Article 98, any additional limits to own funds that can be used to cover the MCR and the SCR may be dealt with through Level 2 implementing measures.
Če se določi omejitve za kapital stopnje 2, je treba pri tem upoštevati cilj člena 98.
If limits to tier 2 capital are to be set they should respect the overall aim in article 98.
Podstopnje niso potrebne.
There is no need for sub-tiers.
Člen 104 – odstavek 4 – pododstavek 2
Article 104 – paragraph 4 – subparagraph 2
Kjer je primerno, se pri oblikovanju posameznega modula tveganja upoštevajo učinki razpršenosti.
Where appropriate, diversification effects shall be taken into account in the design of each risk module.
Kjer je primerno, se pri oblikovanju posameznega modula tveganja upoštevajo učinki razpršenosti ali specializacije .
Where appropriate, diversification or specialisation effects shall be taken into account in the design of each risk module.
Poleg razpršenosti je treba upoštevati tudi učinke specializacije.
There will be specialisation effects that merit consideration in addition to diversification.
Člen 105 – odstavek 6 a (novo)
Article 105 – paragraph 6 a (new)
Sredstva in obveznosti pozavarovatelja se obravnavajo kot sredstva in obveznosti zavarovanega podjetja, zato da pri ocenjevanju solventnosti zavarovanega podjetja ne pride do prilagoditve za tveganje neplačila nasprotne stranke ali koncentracijo tržnega tveganja v smislu pogodbenih obveznosti pozavarovatelja do zavarovanega podjetja.
The assets and liabilities of a dedicated reinsurer shall be treated as the assets and liabilities of the company that it has reinsured, so that in calculating the reinsured company's solvency, no adjustment shall be made for counterparty default risk or market risk concentrations in respect of the dedicated reinsurer's contractual obligations to the reinsured company.
Tveganja iz člena 101(4), ki vplivajo na pozavarovatelja, pa se upoštevajo pri izračunu zahtevanega solventnostnega kapitala zavarovanega podjetja.
The risks referred to in Article 101(4) that affect the dedicated reinsurer shall, however, be taken into account in calculating the Solvency Capital Requirement of the reinsured company.
Člen 107 – odstavek 1
Article 107 – paragraph 1
Prilagoditev iz točke (c) odstavka 1 člena 103 zaradi pokritja izgub zavarovalno-tehničnih rezervacij in odloženih davkov upošteva možno nadomestilo nepričakovanih izgub s hkratnim zmanjšanjem zavarovalno-tehničnih rezervacij in odloženih davkov.
The adjustment referred to in point (c) paragraph 1 of Article 103 for the loss-absorbing capacity of technical provisions and deferred taxes shall reflect potential compensation of unexpected losses through a simultaneous decrease in technical provisions and deferred taxes.
Prilagoditev iz točke odstavka 1 člena (c) 103 zaradi pokritja izgub zavarovalno-tehničnih rezervacij in odloženih davkov upošteva možno nadomestilo nepričakovanih izgub z zmanjšanjem zavarovalno-tehničnih rezervacij ali odloženih davkov oziroma kombinacijo obojega, razen če so opredeljeni kot presežek sredstev v skladu s členom 90(2) .
The adjustment referred to in point (c) paragraph 1 of Article 103 for the loss-absorbing capacity of technical provisions and deferred taxes shall reflect potential compensation of unexpected losses through a decrease in technical provisions or deferred taxes or a combination of both, unless they were recognised as surplus funds in accordance with Article 90(2) .
Uskladitev s spremembami člena 90.
Alignment with changes to Article 90.
Zavarovalnice in pozavarovalnice lahko uporabijo poenostavljen izračun za posamezen podmodul ali modul tveganja, če to utemeljuje narava, obseg ali zahtevnost tveganj, s katerimi se soočajo, in če bi bilo nesorazmerno zahtevati od vseh zavarovalnic in pozavarovalnic, da uporabijo standardizirani izračun.
Insurance and reinsurance undertakings may use a simplified calculation for a specific sub-module or risk module where the nature, scale and complexity of the risks they face justifies it and where it would be disproportionate to require all insurance and reinsurance undertakings to apply the standardised calculation.
Zavarovalnice in pozavarovalnice lahko uporabijo poenostavljen izračun za posamezen podmodul ali modul tveganja, če to utemeljuje narava, obseg , zahtevnost ali specializacija tveganj, s katerimi se soočajo, in če bi bilo nesorazmerno zahtevati od vseh zavarovalnic in pozavarovalnic, da uporabijo standardizirani izračun.
Insurance and reinsurance undertakings may use a simplified calculation for a specific sub-module or risk module where the nature, scale , complexity or specialisation of the risks they face justifies it and where it would be disproportionate to require all insurance and reinsurance undertakings to apply the standardised calculation.
Upoštevati je treba tudi učinke specializacije.
There will be specialisation effects that merit consideration.
Člen 109 – odstavek 1 – pododstavek 1 – točka (c)
Article 109 – paragraph 1 – subparagraph 1 – point c
(c) korelacijske parametre;
(c) the correlation parameters;
(c) korelacijske parametre in postopke za njihovo posodabljanje ;
(c) the correlation parameters and procedures for the updating of those parameters ;
Nedavna finančna kriza je pokazala, da se lahko pojavi potreba po hitri prilagoditvi korelacijskih parametrov.
As has been shown by the recent financial turmoil correlation parameters may need to be adjusted quickly.
Člen 109 – odstavek 1 – pododstavek 1 – točka (j a) (novo)
Article 109 – paragraph 1 – subparagraph 1 – point j a (new)
( ja) poenostavljene izračune, namenjene specifičnim podmodulom in modulom tveganja, kot tudi merila, ki jih morajo lastne zavarovalnice in pozavarovalnice izpolnjevati, da lahko uporabijo takšno poenostavitev, kot določa člen 108.
( ja) the simplified calculations provided for specific sub-modules and risk modules, as well as the criteria that captive insurance and reinsurance undertakings are required to meet in order to be entitled to use each of these simplifications, as set out in Article 108.
Za izračun zahtevanega solventnostnega kapitala lastnih zavarovalnic in pozavarovalnic bi bilo treba uporabiti posebne poenostavljene metode.
There is also a need for specific simplifications to be applied to the calculation of the Solvency Capital Requirement in the case of captives.
Člen 110 – odstavek 5
Article 110 – paragraph 5
Nadzorni organi vlogo odobrijo le, če so prepričani, da so sistemi za spremljanje in obvladovanje tveganj zadevne zavarovalnice ali pozavarovalnice ustrezni in zlasti, da notranji model izpolnjuje zahteve iz odstavka 3.
Supervisory authorities shall give approval to the application only if they are satisfied that the systems of the insurance or reinsurance undertaking concerned for monitoring and managing risk are adequate and in particular, that the internal model complies with the requirements referred to in paragraph 3.
Nadzorni organi vlogo odobrijo le, če so prepričani, da so sistemi za ugotavljanje, merjenje, spremljanje , obvladovanje in poročanje o tveganjih zadevne zavarovalnice ali pozavarovalnice ustrezni in zlasti, da notranji model izpolnjuje zahteve iz odstavka 3.
Supervisory authorities shall give approval to the application only if they are satisfied that the systems of the insurance or reinsurance undertaking concerned for identifying, measuring, monitoring , managing and reporting risk are adequate and in particular, that the internal model complies with the requirements referred to in paragraph 3.
Da se omogoči spremljanje, upravljanje in poročanje o tveganjih, jih je treba najprej ugotoviti in izmeriti.
In order to be able to monitor, manage or report on risks, it is necessary to identify and measure them before reporting them.
Člen 110 – odstavek 7
Article 110 – paragraph 7
Zavarovalnice in pozavarovalnice nadzornim organom zagotovijo izračun zahtevanega solventnostnega kapitala, določenega v skladu s standardno formulo iz pododdelka 2, za obdobje dveh let po prejemu odobritve s strani nadzornih organov za uporabo notranjega modela
For a period of two years after having received approval from supervisory authorities to use an internal model, insurance and reinsurance undertakings shall provide supervisory authorities with an estimate of the Solvency Capital Requirement determined in accordance with the standard formula, as set out in Subsection 2.
Od zavarovalnic in pozavarovalnic se lahko zahteva, da nadzornim organom zagotovijo izračun zahtevanega solventnostnega kapitala, določenega v skladu s standardno formulo iz pododdelka 2, za obdobje do dveh let po prejemu odobritve s strani nadzornih organov za uporabo notranjega modela
For a period of up to two years after having received approval from supervisory authorities to use an internal model, insurance and reinsurance undertakings may be required to provide supervisory authorities with an estimate of the Solvency Capital Requirement determined in accordance with the standard formula, as set out in Subsection 2.
Da se bo mogoče izogniti vzporednim izračunom zahtevanega solventnostnega kapitala, se lahko uporabi standardni pristop in notranji model.
To avoid any indefinite parallel calculation of the SCR, using both the standard approach and the internal model.
Nadzorniki bi morali imeti pooblastila, da to zahtevajo, vendar ne bi smeli biti prisiljeni, da ta pooblastila uporabijo.
Supervisors should have the power to require this, but should not be forced to use it.
Bolj stvarno bi bilo, da bi lahko nadzorniki sami odločali, ali bodo zahtevali vzporedno poročanje.
A more realistic approach would be to allow supervisors flexibility to require parallel reporting.
Člen 111 – odstavek 2
Article 111 – paragraph 2
Pri oceni vloge za uporabo delnega notranjega modela, ki pokriva le nekatere podmodule specifičnega modula tveganja ali nekatere poslovne enote zavarovalnice ali pozavarovalnice glede na specifični modul tveganja ali dele obeh, lahko nadzorni organi od zadevnih zavarovalnic in pozavarovalnic zahtevajo, da predložijo realni prehodni načrt za razširitev področja uporabe modela.
When assessing an application for the use of a partial internal model which only covers certain sub-modules of a specific risk module, or some of the business units of an insurance or reinsurance undertaking with respect to a specific risk module, or parts of both, supervisory authorities may require the insurance and reinsurance undertakings concerned to submit a realistic transitional plan to extend the scope of the model.
Prehodni načrt določa način, na katerega nameravajo zavarovalnice in pozavarovalnice razširiti področje uporabe modela na druge podmodule ali poslovne enote, da zagotovijo, da model pokriva prevladujoči del njihovih zavarovalnih poslov glede na ta specifični modul tveganja.
The transitional plan shall set out the manner in which insurance and reinsurance undertakings plan to extend the scope of the model to other sub-modules or business units, in order to ensure that the model covers a predominant part of their insurance operations with respect to that specific risk module.
Za mnoga podjetja je delni model, uporabljen v kombinaciji s standardnim pristopom, stroškovno učinkovitejša rešitev kakor poln notranji model, saj sredstva osredotoča na največja tveganja.
For many companies a partial model, used in combination with the Standard Approach, may be more cost effective solution than a full internal model as it concentrates resources on the most significant risks.
Ta možnost je še posebej pomembna v zvezi s sorazmerno obravnavo malih in srednje velikih zavarovalnic.
This option is particularly important for the proportionate treatment of small and medium-sized insurance undertakings.
Če zahtevani solventnostni kapital ni ustrezno računati v skladu s standardno formulo iz pododdelka 2, ker profil tveganja zavarovalnice ali pozavarovalnice močno odstopa od predpostavk, ki so bile osnova za zahtevani solventnostni kapital, lahko nadzorni organ s sklepom, v katerem navede razloge, od zadevnih podjetij zahteva, da uporabijo notranji model za izračun zahtevanega solventnostnega kapitala ali njegove ustrezne module tveganja.
Where it is inappropriate to calculate the Solvency Capital Requirement in accordance with the standard formula, as set out in Subsection 2, because the risk profile of the insurance and reinsurance undertakings concerned deviates significantly from the assumptions underlying the Solvency Capital Requirement, the supervisory authorities may, by a decision stating the reasons, require the undertakings concerned to use an internal model to calculate the Solvency Capital Requirement, or the relevant risk modules of thereof.
Če zahtevani solventnostni kapital ni ustrezno računati v skladu s standardno formulo iz pododdelka 2, ker profil tveganja zavarovalnice ali pozavarovalnice močno odstopa od predpostavk, ki so bile osnova za zahtevani solventnostni kapital, lahko nadzorni organ v izjemnih okoliščinah s sklepom, v katerem navede razloge, od zadevnih podjetij zahteva, da uporabijo notranji model za izračun zahtevanega solventnostnega kapitala ali njegove ustrezne module tveganja.
Where it is inappropriate to calculate the Solvency Capital Requirement in accordance with the standard formula, as set out in Subsection 2, because the risk profile of the insurance and reinsurance undertakings concerned deviates significantly from the assumptions underlying the Solvency Capital Requirement, the supervisory authorities may, in exceptional circumstances , by a decision stating the reasons, require the undertakings concerned to use an internal model to calculate the Solvency Capital Requirement, or the relevant risk modules of thereof.
Nadzorniki naj bi pooblastilo, da od podjetij zahtevajo, naj razvijejo notranji model, kadar njihov profil tveganja močno odstopa od predpostavk, na katerih temelji standardna formula, uporabili samo v izjemnih primerih, kot določa člen 37.
The powers for supervisor to require companies to develop an internal model, where their risk profile “deviates significantly from the assumptions underlying the standard approach”, should only apply in exceptional cases, as recognised in Article 37.
Člen 119 – odstavek 2 – pododstavek 1
Article 119 – paragraph 2 – subparagraph 1
Metode, uporabljene za izračun napovedi v obliki verjetnostne porazdelitve, temeljijo na ustreznih aktuarskih in statističnih tehnikah in so skladne z metodami, uporabljenimi za izračun zavarovalno-tehničnih rezervacij.
The methods used to calculate the probability distribution forecast shall be based on adequate actuarial and statistical techniques and shall be consistent with the methods used to calculate technical provisions.
Metode, uporabljene za izračun napovedi v obliki verjetnostne porazdelitve, temeljijo na ustreznih , veljavnih in relevantnih aktuarskih in statističnih tehnikah in so skladne z metodami, uporabljenimi za izračun zavarovalno-tehničnih rezervacij.
The methods used to calculate the probability distribution forecast shall be based on adequate , applicable and relevant actuarial and statistical techniques and shall be consistent with the methods used to calculate technical provisions.
Člen 119 – odstavek 3 – pododstavek 1
Article 119 – paragraph 3 – subparagraph 1
Podatki, uporabljeni za notranji model, so natančni, popolni in ustrezni .
Data used for the internal model shall be accurate , complete and appropriate .
Podatki, uporabljeni za notranji model, so ustrezno in dovolj natančni in izčrpni, da upravičijo zanesljivost, ki se jim pripiše .
Data used for the internal model shall be appropriately and sufficiently accurate and comprehensive to justify the reliance placed on it .
Zahteva, da morajo biti podatki popolni, bi lahko povzročila velike ovire pri notranjih modelih, zato je treba namesto tega opredeliti standarde za podatke, ki se v teh modelih uporabijo.
The requirement that the data used is "complete" could result in an inappropriate hurdle for internal models and should instead clarify the standards required from data used in an internal model.
Člen 127
Article 127
Zahtevani minimalni kapital se izračuna v skladu z naslednjimi načeli:
The Minimum Capital Requirement shall be calculated in accordance with the following principles:
(a) izračuna se na jasen in preprost način in tako da se zagotovi možnost revizije izračuna;
(a) it shall be calculated in a clear and simple manner, and in such a way as to ensure that the calculation can be audited;
(a) izračuna se na jasen in preprost način in tako , da se zagotovi možnost revizije izračuna;
(a) it shall be calculated in a clear and simple manner, and in such a way as to ensure that the calculation can be audited;
(b) zahtevani minimalni kapital ustreza znesku primernih osnovnih lastnih sredstev, pod katerim so zavarovalci in upravičenci izpostavljeni nesprejemljivi stopnji tveganja, če bi bilo zavarovalnicam in pozavarovalnicam dovoljeno, da nadaljujejo svoje poslovanje;
(b) the Minimum Capital Requirement shall correspond to an amount of eligible basic own funds below which policyholders and beneficiaries are exposed to an unacceptable level of risk if insurance and reinsurance undertakings were allowed to continue their operations;
(b) ustreza znesku primernih osnovnih lastnih sredstev, pod katerim so zavarovalci in upravičenci izpostavljeni nesprejemljivi stopnji tveganja, če bi bilo zavarovalnicam in pozavarovalnicam dovoljeno, da nadaljujejo svoje poslovanje;
(b) it shall correspond to an amount of eligible basic own funds below which policyholders and beneficiaries are exposed to an unacceptable level of risk if insurance and reinsurance undertakings were allowed to continue their operations;
(ba) izračuna se kot linearna funkcija niza ali podniza naslednjih spremenljivk: zavarovalno-tehnične rezervacije podjetja, obračunane zavarovalne premije, tvegani kapital, odloženi davki in stroški upravljanja.
(ba ) it shall be calculated as a linear function of a set or sub-set of the following variables: the undertaking’s technical provisions, written premiums, capital-at-risk, deferred tax and administrative expenses.
Uporabljene spremenljivke se izmerijo brez pozavarovanja;
The variables used shall be measured net of reinsurance ;
(c) raven zahtevanega minimalnega kapitala se kalibrira na tvegano vrednost osnovnih lastnih sredstev zavarovalnice ali pozavarovalnice s stopnjo zaupanja od 80 % do 90 % za obdobje enega leta;
(c) the level of the Minimum Capital Requirement shall be calibrated to the Value-at-Risk of the basic own funds of an insurance or reinsurance undertaking subject to a confidence level in the range of 80% to 90% over a one-year period;
(c) odvisen je od najnižje ali najvišje vrednosti, izračunane kot odstotek zahtevanega solventnostnega kapitala, ki se kalibrira glede na tvegano vrednost osnovnih lastnih sredstev zavarovalnice ali pozavarovalnice s povprečno stopnjo zaupanja od 80 % do 90 % za obdobje enega leta;
(c) it shall be subject to a floor and a cap calculated as a percentage of the Solvency Capital Requirement calibrated to the Value-at-Risk of the basic own funds of an insurance or reinsurance undertaking subject to an average confidence level in the range of 80% to 90% over a one-year period;
(d) ima absolutni prag 1.000.000 EUR za zavarovalnice in pozavarovalnice za neživljenjsko zavarovanje ter 2.000.000 EUR za življenjske zavarovalnice.
(d) it shall have an absolute floor of 1.000.000 EUR for non-life insurance and reinsurance undertakings and 2.000.000 EUR for life insurance undertakings.
(d) ima absolutni prag :
(d) it shall have an absolute floor of :
(i) 2.200.000 EUR za zavarovalnice za neživljenjsko zavarovanje , vključno z zavarovalnicami za zavarovanje lastnih tveganj, razen v primeru kritja vseh ali nekaterih tveganj, vključenih v eno od vrst od 10 do 15 točke A priloge I, ko ta znesek ne sme biti manjši od 3.200.000 EUR ;
(i) EUR 2 200 000 for non-life insurance undertakings , including captive insurance undertakings, save in the event that all or some of the risks included in one of the classes 10 to 15 listed in point A of Annex 1 are covered, in which case it shall be no less than EUR 3 200 000 ;
(ii) 3.200.000 EUR za življenjske zavarovalnice , vključno z lastnimi zavarovalnicami;
(ii) EUR 3 200 000 for life insurance undertakings , including captive insurance undertakings ;