natgillin/translations-raw huggingface dataset:
Nacionalnim nadzornikom je zato treba omogočiti, da komunicirajo in svobodno sodelujejo med seboj.
Therefore national supervisors must be in a position to communicate and fully engage with each other.
V skladu s priporočili preiskovalnega odbora za zavarovalnico Equitable Life.
Consistent with recommendations of Equitable Life Committee of Inquiry.
Člen 70 – odstavek 1 a (novo)
Article 70 – paragraph 1 a (new)
Kjer je ustrezno, CEIOPS zagotovi skupno razlago določb te direktive in izvedbenih ukrepov, da se pospeši zbliževanje nadzornih praks.
CEIOPS shall, where necessary, provide for a joint interpretation of the provisions of this Directive and its implementing measures in order to enhance the convergence of supervisory practices.
CEIOPS redno poroča o napredku pri zbliževanju nadzornih praks v Skupnosti.
CEIOPS shall report regularly on the progress of the supervisory convergence in the Community.
Predlog spremembe razširja definicijo nacionalnih pooblastil nadzornikov in vloge, ki jo ima CEIOPS.
This amendment aims at elaborating a definition of the national mandate of the supervisors and of the role conferred on CEIOPS.
Člen 75 – odstavek 2
Article 75 – paragraph 2
Izračun zavarovalno-tehničnih rezervacij temelji na njihovi trenutni izstopni vrednosti.
The calculation of technical provisions shall be based on their current exit value .
Zavarovalno-tehnične rezervacije se izračunajo na smotrn, zanesljiv in s trgom usklajen način.
The technical provisions shall be calculated in a way which is objective, reliable and consistent with the market .
Izraz „izstopna vrednost“, ki term v direktivi ni opredeljen, bi lahko ustvaril zmedo in povzročil nepravilno izvajanje.
The term 'exit value' which is not defined in the directive, could create confusion and inappropriate implementation.
Člen 75 – odstavek 3
Article 75 – paragraph 3
Izračun zavarovalno-tehničnih rezervacij uporablja in upošteva informacije, ki jih zagotavljajo finančni trgi, in splošno dostopne podatke o zavarovalnih in pozavarovalnih tehničnih tveganjih (skladnost s trgom).
The calculation of technical provisions shall make use of and be consistent with information provided by the financial markets and generally available data on insurance and reinsurance technical risks (market consistency).
Izračun zavarovalno-tehničnih rezervacij uporablja in upošteva informacije, ki jih zagotavljajo finančni trgi, in splošno dostopne podatke o zavarovalnih tveganjih (skladnost s trgom).
The calculation of technical provisions shall make use of and be consistent with information provided by the financial markets and generally available data on underwriting risks (market consistency).
Tehnično pojasnilo, da bo besedilo manj dvoumno.
Technical clarification to make it less ambiguous.
Člen 75 – odstavek 4
Article 75 – paragraph 4
Zavarovalno-tehnične rezervacije se izračunajo na smotrn, zanesljiv in objektiven način.
Technical provisions shall be calculated in a prudent, reliable and objective manner.
Člen 76 – odstavek 2 – pododstavek 1
Article 76 – paragraph 2 – subparagraph 1
Najboljša ocena je enaka povprečju, ovrednotenem glede na verjetnost, prihodnjih denarnih tokov ob upoštevanju časovne vrednosti denarja (pričakovana trenutna vrednost prihodnjih denarnih tokov) in ob uporabi ustrezne časovne strukture netvegane obrestne mere.
The best estimate shall be equal to the probability-weighted average of future cash-flows, taking account of the time value of money (expected present value of future cash-flows), using the relevant risk-free interest rate term structure.
Najboljša ocena je skladna s povprečjem, ovrednotenim glede na verjetnost, prihodnjih denarnih tokov ob upoštevanju časovne vrednosti denarja (pričakovana trenutna vrednost prihodnjih denarnih tokov) in ob uporabi ustrezne časovne strukture netvegane obrestne mere, tako da je diskontna stopnja skladna s cenami trgov za ugotovljive denarne tokove, katerih značilnosti so podobne obveznostim, kar med drugim zadeva trajanje, valuto in likvidnost.
The best estimate shall be consistent with the probability-weighted average of future cash-flows, taking account of the time value of money (expected present value of future cash-flows), using the relevant risk-free interest rate term structure so that the discount rate is consistent with market prices for observable cash flows , the characteristics of which are similar to those of liabilities as regards, inter alia, duration, currency and liquidity .
Člen 76 – odstavek 2 – pododstavek 2
Article 76 – paragraph 2 – subparagraph 2
Izračun najboljše ocene temelji na tekočih in verodostojnih podatkih ter realnih predpostavkah in se izvede z uporabo ustreznih aktuarskih metod in statističnih tehnik.
The calculation of the best estimate shall be based upon current and credible information and realistic assumptions and be performed using adequate actuarial methods and statistical techniques.
Izračun najboljše ocene temelji na tekočih in verodostojnih podatkih ter realnih predpostavkah in se izvede z uporabo ustreznih , veljavnih in relevantnih aktuarskih metod in statističnih tehnik.
The calculation of the best estimate shall be based upon current and credible information and realistic assumptions and be performed using adequate , applicable and relevant actuarial methods and statistical techniques.
Beseda ustreznost ne zadošča, saj se v členu 83 pojavljata še veljavnost in relevantnost.
Adequate is insufficient given that "applicability and relevance" appears in Article 83.
Člen 76 – odstavek 3
Article 76 – paragraph 3
Meja tveganja je takšna, da zagotavlja, da je vrednost zavarovalno-tehničnih rezervacij enakovredna znesku, ki bi ga zavarovalnice in pozavarovalnice zahtevale za prevzem in izpolnitev zavarovalnih in pozavarovalnih obveznosti.
The risk margin shall be such as to ensure that the value of the technical provisions is equivalent to the amount insurance and reinsurance undertakings would be expected to require taking over and meet the insurance and reinsurance obligations.
Meja tveganja je takšna, da zagotavlja, da je vrednost zavarovalno-tehničnih rezervacij enakovredna znesku, ki bi ga zavarovalnice in pozavarovalnice zahtevale za prevzem in izpolnitev zavarovalnih in pozavarovalnih obveznosti , ob ustreznem upoštevanju učinka razpršenosti .
The risk margin shall be such as to ensure that the value of the technical provisions is equivalent to the amount insurance and reinsurance undertakings would be expected to require taking over and meet the insurance and reinsurance obligations , taking proper account of diversification effects .
Treba je dovoliti, da se pri izračunu meje tveganja upoštevajo učinki razpršenosti.
Diversification effects in calculating the risk margin should be allowed.
Ta tveganja bodo verjetno prenesena na podjetja, ki imajo veliko stopnjo razpršenosti ali bodo ob prevzemu obveznosti izkoristila prednosti razpršenosti.
These risks are likely to transfer to companies that are well diversified or would gain diversification benefit from accepting these liabilities
Člen 76 – odstavek 4 – pododstavek 2
Article 76 – paragraph 4– subparagraph 2
Vendar če je mogoče prihodnje denarne tokove, povezane z zavarovalnimi in pozavarovalnimi obveznostmi, nadomestiti z uporabo finančnih instrumentov, katerih tržna vrednost je neposredno vidna, se vrednost zavarovalno-tehničnih rezervacij določi na podlagi tržne vrednosti teh finančnih instrumentov.
However, where the future cash flows associated with insurance or reinsurance obligations can be replicated using financial instruments for which a market value is directly observable, the value of technical provisions shall be determined on the basis of the market value of those financial instruments.
V tem primeru niso potrebni ločeni izračuni najboljše ocene in meje tveganja.
In this case, separate calculations of the best estimate and the risk margin shall not be required.
Vendar če je mogoče prihodnje denarne tokove, povezane z zavarovalnimi in pozavarovalnimi obveznostmi, zanesljivo oceniti z uporabo finančnih instrumentov, katerih tržna vrednost je neposredno vidna, se vrednost zavarovalno-tehničnih rezervacij določi na podlagi tržne vrednosti teh finančnih instrumentov, tudi ko natančna reprodukcija ni mogoča.
However, where the future cash flows associated with insurance or reinsurance obligations can be estimated reliably using financial instruments for which a market value is directly observable, the value of technical provisions shall be determined on the basis of the market value of those financial instruments even where exact replication is not possible .
Utemeljene interpolacije in ekstrapolacije iz neposredno ugotovljivih tržnih vrednosti se lahko uporabljajo tudi za namene tega ocenjevanja.
Reasonable interpolations and extrapolations from directly observable market values may also be applied for the purpose of that assessment.
Pomembno je, da se kot vodilo uporabi najboljša razpoložljiva tržna referenca (najbližja ekonomski tržni vrednosti).
It is important to take the best market reference (closest to economic market value) available as a guide.
Člen 76 – odstavek 5 – pododstavek 2
Article 76 – paragraph 5 – subparagraph 2
Mera, uporabljena pri določitvi stroškov zagotavljanja tega zneska primernih lastnih sredstev (mera stroškov kapitala), je enaka za vse zavarovalnice in pozavarovalnice.
The rate used in the determination of the cost of providing that amount of eligible own funds (Cost-of-Capital rate) shall be the same for all insurance and reinsurance undertakings.
Mera, uporabljena pri določitvi stroškov zagotavljanja tega zneska primernih lastnih sredstev (mera stroškov kapitala), je enaka za vse zavarovalnice in pozavarovalnice ter se jih redno pregleduje, zato da odražajo razmere na trgu .
The rate used in the determination of the cost of providing that amount of eligible own funds (Cost-of-Capital rate) shall be the same for all insurance and reinsurance undertakings and shall be reviewed periodically to reflect market conditions .
Ta ukrep se nanaša na stroške kapitala, ki ne pomeni nezavarovalnih tveganj, ne na celotne stroške kapitala v podjetju.
This measure should cover the cost of capital that represents non-hedgeable risks, and not the total company cost of capital.
Predlog spremembe je osredotočen na obveznosti, ki naj bi jih kril.
The amendment focuses on the obligations it is intended to cover.
Člen 76 – odstavek 5 – pododstavek 3
Article 76 – paragraph 5 – subparagraph 3
Uporabljena mera stroškov kapitala je enaka dodatni meri nad ustrezno netvegano obrestno mero, ki bi jo zavarovalnica ali pozavarovalnice , ki ima znesek primernih lastnih sredstev iz oddelka 3, ki je enakovreden zahtevanemu solventnostnemu kapitalu, imela za takšna sredstva.
The Cost-of-Capital rate used shall be equal to the additional rate, above the relevant risk-free interest rate, that an insurance or reinsurance undertaking holding an amount of eligible own funds, as set out in Section 3, equal to the Solvency Capital Requirement would incur to hold those funds .
Uporabljena mera stroškov kapitala je enaka dodatni meri nad ustrezno netvegano obrestno mero, ki bi jo uporabila zavarovalnica ali pozavarovalnica , ki ima znesek primernih lastnih sredstev iz oddelka 3, enakovreden zahtevanemu solventnostnemu kapitalu, potrebnemu za podporo zavarovalnih in pozavarovalnih obveznosti v času trajanja teh obveznosti .
The Cost-of-Capital rate used shall be equal to the additional rate, above the relevant risk-free interest rate, that an insurance or reinsurance undertaking would incur holding an amount of eligible own funds, as set out in Section 3, equal to the Solvency Capital Requirement necessary to support the insurance and reinsurance obligation over the lifetime of that obligation .
Člen 80 – odstavek 3 a (novo)
Article 80 – paragraph 3 a (new)
Pri izračunu tehničnih rezervacij podjetja, ki ga je pozavaroval namenski pozavarovatelj, se sredstva in obveznosti namenskega pozavarovatelja obravnavajo kot sredstva in obveznosti pozavarovanega podjetja in ne smejo se izvesti nobene prilagoditve za čas med izterjavami in neposrednimi plačili ali pričakovano izgubo zaradi neplačila nasprotne stranke ob upoštevanju pogodbenih obveznosti namenskega pozavarovatelja do pozavarovanega podjetja.
In calculating the technical provisions of a company reinsured by a dedicated reinsurer, the assets and liabilities of a dedicated reinsurer shall be treated as the assets and liabilities of the reinsured company, and no adjustment shall be made for the time difference between recoveries and direct payments or expected losses due to the default of the counterparty in respect of the dedicated reinsurer's contractual obligations to the reinsured company.
Člen 85 – odstavek 1 – točka (h)
Article 85 – paragraph 1 – point h
(h) če je potrebno, poenostavljene metode in tehnike za izračun zavarovalno-tehničnih rezervacij, da se zagotovi sorazmernost aktuarskih metod in statističnih tehnik iz točke (a) z naravo obsegom in zahtevnost tveganj, ki jih podpirajo zavarovalnice in pozavarovalnice.
(h) where necessary, simplified methods and techniques to calculate technical provisions, in order to ensure the actuarial methods and statistical techniques referred to in point (a) are proportionate to the nature, scale and complexity of the risks supported by insurance and reinsurance undertakings.
(h) če je potrebno, poenostavljene metode in tehnike za izračun zavarovalno-tehničnih rezervacij, da se zagotovi sorazmernost aktuarskih metod in statističnih tehnik iz točke (a) z naravo obsegom in zahtevnost tveganj, ki jih podpirajo zavarovalnice in pozavarovalnice , skupaj z lastnimi zavarovalnicami in pozavarovalnicami .
(h) where necessary, simplified methods and techniques to calculate technical provisions, in order to ensure the actuarial methods and statistical techniques referred to in point (a) are proportionate to the nature, scale and complexity of the risks supported by insurance and reinsurance undertakings including captive insurance and reinsurance undertakings .
Za izračun tehničnih rezervacij lastnih zavarovalnic in pozavarovalnic bi bilo treba uporabiti posebne poenostavljene metode.
There is a need for specific simplifications to be applied to the calculation of technical provisions in the case of captives.
To je v skladu s splošnim pristopom za druge male ali srednje velike zavarovalnice in pozavarovalnice.
This is in line with the general approach adopted for other small and medium sized insurance and reinsurance undertakings.
V študiji QIS 4 bodo ugotovljeno, kakšne učinke bodo poenostavljene metode imele.
QIS 4 will determine what impact these simplifications will have.
Predlog spremembe direktive ponuja možnost za uporabo poenostavljenih metod, kjer je to primerno.
The proposed amendment provides in the Directive a platform for the provision of such specific simplifications where appropriate.
Člen 90
Article 90
Presežek sredstev se šteje za nerazdeljen dobiček, ki se prenese na zavarovalce in upravičence v obliki prihodnjih diskrecijskih bonusov.
Surplus funds shall be deemed to be accumulated profits, which are allocated to policy holders and beneficiaries in the form of future discretionary bonuses.
Če je dovoljeno po nacionalnem pravu, se realizirani dobički, ki se pojavijo kot presežek sredstev v zakonsko predpisanih letnih računovodskih izkazih, ne štejejo kot zavarovalne in pozavarovalne obveznosti, če jih je mogoče uporabiti za kritje morebitnih izgub, ki lahko nastanejo in če niso na voljo za razdelitev zavarovalcem in upravičencem .
In so far as authorised under national law, realised profits appearing as surplus funds in the statutory annual accounts shall not be considered as insurance and reinsurance liabilities , to the extent that these surplus funds may be used to cover any losses which may arise and where they have not been made available for distribution to policyholders and beneficiaries .
Če je dovoljeno po nacionalnem pravu in če ni bil na posamični osnovi prenesen na zavarovalce in upravičence ter ni na voljo za razdelitev zavarovalcem in upravičencem , se presežek sredstev ne šteje kot zavarovalne in pozavarovalne obveznosti, če izpolnjuje pogoje iz člena 94(1) .
In so far as authorised under national law and where they have not been assigned individually to policyholders and beneficiaries and have not been made available for distribution to policyholders and beneficiaries , surplus funds shall not be considered as insurance and reinsurance liabilities to the extent that they fulfil the criteria set out in Article 94(1).
Za presežna sredstva veljajo omejitve iz člena 237(1).
Surplus funds shall be subject to the restriction set out in Article 237(1).
Uvede se opredelitev presežka sredstev za namene te direktive ter za namene njegove uporabe za kritje izgub, ki se lahko pojavijo.
Introducing a definition of surplus funds for the purpose of this directive as well as for the purpose of their use to cover any losses, which may occur.
Člen 96 – točka -1 (novo)
Article 96 – point -1 (new)
(-1) najmanj polovica prihodnjih terjatev, ki jih imajo lahko družbe za vzajemno zavarovanje ali družbe, ki delujejo po načelu vzajemnosti s spremenljivimi prispevki, do svojih članov s pozivom za dodatne prispevke v zadevnem finančnem letu, se razvrstijo v stopnjo 2;
(-1) at least half of the future claims which a mutual or mutual-type association with variable contributions may have against its members by way of a call for supplementary contributions, within the financial year concerned shall be classified in Tier 2 ;
V nekaterih državah so zavarovalniške skupine sestavljene tako, da pravna oseba upravlja skupino podjetij, povezanih z dolgotrajnimi finančnimi razmerji.
In some countries, insurance groups are structured in such a way that a legal entity manages a group of undertakings linked by long-lasting financial relationships.
Ta predlog spremembe pojasni, da bo polovica lastnih sredstev razvrščena v stopnjo 2.
This amendment aims at clarifying that half of their own funds will be classified in Tier 2.
Člen 96 – točka 1
Article 96 – point 1
(1) presežek sredstev, ki spada v člen 90 , se razvrsti v stopnjo 1;
(1) surplus funds falling under Article 90 shall be classified in Tier 1;
(1) presežek sredstev, ki spada v člen 90(2) , se razvrsti v stopnjo 1;
(1) surplus funds falling under Article 90(2) shall be classified in Tier 1;
Ker presežek sredstev ne zagotavlja popolnega nadomestila vseh izgub v vseh okoliščinah, se zdi nujno omejiti njegovo prepoznavanje za namene nadzora.
As surplus funds do not provide for full absorption of any losses in all circumstances, it seems necessary to limit their recognition for supervisory purposes.
Člen 96 – točka 3
Article 96 – point 3
(3) kakršne koli prihodnje terjatve, ki jih imajo lahko družbe za zaščito in škodno zavarovanje do svojih članov s pozivom za dodatne prispevke v finančnem letu , se razvrstijo v stopnjo 2.
(3) any future claims which Protection and Indemnity Associations may have against their members by way of a call for supplementary contributions, within the financial year , shall be classified in Tier 2.
(3) kakršne koli prihodnje terjatve, ki jih imajo lahko družbe za vzajemno zavarovanje ali družbe, ki delujejo po načelu vzajemnosti s spremenljivimi prispevki, do svojih članov s pozivom za dodatne prispevke , ki zapadejo v naslednjih 12 mesecih , se razvrstijo v stopnjo 2.
(3) any future claims which mutual or mutual-type associations with variable contributions may have against their members by way of a call for supplementary contributions, due within the next 12 months , shall be classified in Tier 2.
Pojasniti je treba, da ima takšno podjetje lahko terjatve do svojih članov, ki jih je treba poravnati v naslednjem letu, zlasti če je datum ocene blizu koncu tekočega proračunskega leta.
It should be clarified that the claim that such an undertaking may have against its members might also be due in the following year, in particular when the date of assessment is close to the end of the current financial year.
Člen 97
Article 97
Komisija sprejme izvedbene ukrepe, ki določajo:
The Commission shall adopt implementing measures laying down the following:
(a) če je treba zagotoviti splošno kakovost lastnih sredstev in medsektorsko usklajenost, razdelitev stopenj v podstopnje;
(a) where it is necessary to ensure the overall quality of own funds and cross-sectoral consistency, the division of tiers into sub-tiers;
(b) merila, uporabljena za razvrstitev postavk lastnih sredstev v podstopnje iz točke (a) na podlagi značilnosti iz člena 93;
(b) the criteria used to classify own fund items into the sub-tiers referred to in point (a) based on the characteristics set out in Article 93;
(c) seznam postavk lastnih sredstev za izpolnjevanje meril iz člena 94 in točke (b) tega odstavka , ki za vsako postavko lastnih sredstev vsebuje podroben opis lastnosti, ki so določile njeno razvrstitev.
(c) a list of own fund items deemed to meet the criteria, set out in Article 94 and in point (b) of this paragraph, which contains for each own fund item a precise description of the features which determined its classification;
(a) seznam postavk lastnih sredstev, skupaj s tistimi iz člena 96 , za izpolnjevanje meril iz člena 94, ki za vsako postavko lastnih sredstev vsebuje podroben opis lastnosti, ki so določile njeno razvrstitev.
(a) a list of own fund items, including those referred to in Article 96, deemed to meet the criteria, set out in Article 94, which contains for each own fund item a precise description of the features which determined its classification;
(d) metode, ki jih bodo uporabili nadzorni organi pri odobritvi ocene in razvrstitve postavk lastnih sredstev, ki jih ne zajema seznam iz točke (c) .
(d) the methods to be used by supervisory authorities, when approving the assessment and classification of own fund items which are not covered by the list referred to in point (c) .
(b) metode, ki jih bodo uporabili nadzorni organi pri odobritvi ocene in razvrstitve postavk lastnih sredstev, ki jih ne zajema seznam iz točke (a) .
(b) the methods to be used by supervisory authorities, when approving the assessment and classification of own fund items which are not covered by the list referred to in point (a) .
Ti ukrepi, ki so namenjeni spremembam nebistvenih elementov te direktive s tem, da jo dopolnjujejo, se sprejmejo v skladu z regulativnim postopkom z nadzorom iz člena 304(3).
Those measures designed to amend non-essential elements of this Directive, by supplementing it, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 304 (3).
Komisija redno pregleda in, če je primerno, posodobi seznam iz točke (c) odstavka 1 glede na razvoj trga.
The Commission shall regularly review and, where appropriate, update the list referred to in point (c) of paragraph 1 in the light of market developments.
Komisija redno pregleda in, če je primerno, posodobi seznam iz točke (a) odstavka 1 glede na razvoj trga.
The Commission shall regularly review and, where appropriate, update the list referred to in point (a) of paragraph 1 in the light of market developments.
Člen 98
Article 98
Kar zadeva zahtevani solventnostni kapital, imajo zneski postavk stopnje 2 in 3 naslednje omejitve:
As far as the Solvency Capital Requirement is concerned, the amounts of Tier 2 and Tier 3 items shall be subject to the following limits:
(a) da se zagotovi, da je delež postavk stopnje 1 primernih lastnih sredstev večji od tretjine skupnih primernih lastnih sredstev, se primerni znesek stopnje 2 skupaj s primernim zneskom stopnje 3 omeji na dvakratni skupni znesek postavk stopnje 1;
(a) in order to ensure that the proportion of Tier 1 items in the eligible own funds is higher than one third of the total eligible own funds, the eligible amount of Tier 2 together with the eligible amount of Tier 3 shall be limited to twice the total amount of Tier 1 items;