natgillin/translations-raw huggingface dataset:
– zavarovanje sestavljajo sredstva z nizkim tveganjem, ki jih ne ovirajo kakršne koli pravice tretje strani in so na voljo izključno sistemu zajamčenih vlog, ki ima neodtujljivo pravico, da zahteva ta plačila;
- t he collateral consists of low risk assets unencumbered by any third party rights, at the free disposal, and earmarked for the exclusive use of the Deposit Guarantee Scheme , which has the irrevocable right to claim these payments on demand ;
– kreditna institucija je upravičena do donosa naložb, ki jih ima v lasti kot zavarovanje;
- a credit institution is entitled to the yield on the assets pledged by that credit institution as collateral;
– za zavarovanje se uporabi normalna metoda tekoče izpostavljenosti, kreditne institucije pa bodo zagotovile, da je tržno vrednotenje zavarovanja najmanj enako obveznostim te kreditne institucije do sheme; in
- t he collateral is subject to regular mark - to - market analysis, and credit institutions will ensure that the mark - to - market valuation of collateral is at least equal to that credit institution ' s commitment to the scheme; and
– pri vrednotenju temeljnih sredstev se uporabijo odbitki, sistem zajamčenih vlog pa zahteva vzdrževanje tržne vrednosti temeljnih sredstev po odbitku.
- "v aluation haircuts " are applied in the valuation of underlying assets and the Deposit Guarantee Scheme requires the " haircut-adjusted " market value of the underlying assets to be maintained over time ;
To ne izključuje združitve sistemov iz različnih držav članic.
This shall not preclude the merger of schemes of different Member States.
To ne izključuje vzpostavitve čezmejnih sistemov zajamčenih vlog s strani držav članic ali združitve sistemov iz različnih držav članic prek njih .
This shall not preclude the establishment of cross-border Deposit Guarantee Schemes by Member States or the merger of schemes of different Member States by them .
V tem primeru poda odobritev pristojni nacionalni nadzorni organ v sodelovanju z Evropskim bančnim organom.
In this case approval shall be obtained from the competent authorities with the participation of EBA .
Pri priznavanju in potrjevanju sistemov zajamčenih vlog je treba posebej paziti na zadostno stabilnost in uravnoteženo sestavo novih in obstoječih sistemov zajamčenih vlog v zvezi s pridruženimi kreditnimi institucijami.
When recognising and approving Deposit Guarantee Schemes, particular attention shall be devoted to whether they are sufficiently stable and whether new and existing Deposit Guarantee Schemes are of balanced composition in relation to the affiliated credit institutions.
Če kreditna institucija ne izpolnjuje svojih obveznosti članice sistema zajamčenih vlog, so o tem obveščeni pristojni organi, ki so ji izdali dovoljenje; le-ti skupaj z jamstvenim sistemom storijo vse potrebno, vključno z izrekom sankcij, da bi zagotovili izpolnjevanje obveznosti kreditne institucije.
If a credit institution does not comply with the obligations incumbent on it as a member of a Deposit Guarantee Scheme, the competent authorities which issued its authorization shall be notified and, in collaboration with the guarantee scheme , shall take all appropriate measures including the imposition of sanctions to ensure that the credit institution complies with its obligations.
Če kreditna institucija ne izpolnjuje svojih obveznosti članice sistema zajamčenih vlog, so o tem nemudoma obveščeni pristojni organi, ki so ji izdali dovoljenje; le-ti skupaj s sistemom zajamčenih vlog takoj storijo vse potrebno, vključno z izrekom kazni , da bi zagotovili izpolnjevanje obveznosti kreditne institucije.
If a credit institution does not comply with the obligations incumbent on it as a member of a Deposit Guarantee Scheme, the competent authorities which issued its authorization shall be notified immediately and, in collaboration with the Deposit Guarantee Scheme , shall promptly take all appropriate measures including the imposition of penalties to ensure that the credit institution complies with its obligations.
V primeru finančnih težav kreditnih institucij je nujno, da se nemudoma obvestijo pristojni organi, ki nato skupaj s sistemom zajamčenih vlog delujejo hitro, da bi zaščitili potrošnike.
In the case of financial problems of credit institutions it is necessary that the competent authorities are informed with no time delay and that subsequently the competent authorities together with the Deposit Guarantee Scheme act quickly in order to protect consumers.
Pristojni organi redno nadzirajo skladnost vseh sistemov zajamčenih vlog iz člena 1 s to direktivo.
All Deposit Guarantee Schemes referred to in Article 1 shall be supervised by the competent authorities on an ongoing basis as to their compliance with this Directive.
Pristojni organi v skladu z veljavnimi pravili evropskega sistema finančnih nadzornikov redno nadzirajo skladnost vseh sistemov zajamčenih vlog iz člena 1 s to direktivo.
All Deposit Guarantee Schemes referred to in Article 1 shall be supervised in accordance with the existing rules of the European System of Financial Supervisors (ESFS) by the competent authorities on an ongoing basis as to their compliance with this Directive.
Člen 3 – odstavek 5 – pododstavek 1 a (novo)
Article 3 – paragraph 5 – subparagraph 1 a (new)
Pri čezmejnih sistemih zajamčenih vlog nadzor opravlja Evropski bančni organ ob sodelovanju kolegija, sestavljenega iz predstavnikov pristojnih organov posameznih matičnih držav pridruženih kreditnih institucij.
In the case of cross-border Deposit Guarantee Schemes, supervision shall be exercised by EBA , with the participation of a body composed of representatives of the competent authorities of the countries where the affiliated credit institutions are based.
Države članice zagotovijo, da sistemi zajamčenih vlog redno preverjajo svoje mehanizme delovanja in se jih obvesti, če pristojni organi v kreditni instituciji opazijo težave, ki bi lahko povzročile intervencijo sistema zajamčenih vlog.
Member States shall ensure that Deposit Guarantee Schemes perform tests of their systems and that they are informed in the event that the competent authorities detect problems in a credit institution that are likely to give rise to the intervention of Deposit Guarantee Schemes.
Države članice zagotovijo, da so alternativni pristopi, ki jih v skladu s členom 11(3a) sprejemejo sistemi zajamčenih vlog, skladni z določbami iz tega člena in s smernicami, ki jih v skladu s členom 11(5) pripravi Evropski bančni organ, da sistemi zajamčenih vlog redno preverjajo svoje mehanizme delovanja in se jih nemudoma obvesti, če pristojni organi v kreditni instituciji opazijo težave, ki bi lahko povzročile intervencijo sistema zajamčenih vlog.
Member States shall ensure that the alternative approaches adopted by Deposit Guarantee Schemes under Article 11(3a) comply with the provisions of that Article and with the guidelines adopted by EBA pursuant to Article 11(5), that Deposit Guarantee Schemes perform tests of their systems and that they are informed immediately in the event that the competent authorities detect problems in a credit institution that are likely to give rise to the intervention of Deposit Guarantee Schemes.
Evropski bančni organ usklajuje ukrepe držav članic.
EBA shall coordinate t he actions of the Member States.
Člen 3 – odstavek 6 – pododstavek 2
Article 3 – paragraph 6 – subparagraph 2
Taka preverjanja se opravijo najmanj na vsaka tri leta oziroma kadar to zahtevajo okoliščine.
Such tests shall take place at least every three years or when the circumstances require it.
Prvo preverjanje se opravi do najpozneje 31. decembra 2013.
The first test shall take place by 31 December 2013.
Taka preverjanja se opravijo najmanj na vsaka tri leta oziroma pogosteje, kadar to zahtevajo okoliščine.
Such tests shall take place at least every three years or more frequently when the circumstances require it.
Prvo preverjanje se opravi najpozneje 31. decembra 2013.
The first test shall take place by 31 December 2013.
Člen 3 – odstavek 6 – pododstavek 2 a (novo)
Article 3 – paragraph 6 – subparagraph 2 a (new)
Evropski bančni organ Evropskemu odboru za sistemska tveganja, ustanovljenem z Uredbo (EU) št. 1092/2010 Evropskega parlamenta in Sveta 1 , na lastno pobudo ali na pobudo tega odbora posreduje informacije o sistemih zajamčenih vlog, potrebne za analizo sistemskega tveganja.
EBA shall forward to the European Systemic Risk Board established by Regulation (EU) No 1092/2010 of the European Parliament and of the Council 1 (ESRB), on its own initiative or at the request of the ESRB, the information concerning Deposit Guarantee Schemes which is needed for systemic risk analysis.
V zvezi s tem Evropski bančni organ redno opravlja medsebojne strokovne preglede v skladu s členom 15 [Uredbe o Evropskem bančnem organu] .
The European Banking Authority shall periodically conduct peer reviews pursuant to Article 15 of the [EBA regulation] in this regard .
Sistemi zajamčenih vlog so pri izmenjavanju podatkov z Evropskim bančnim organom zavezani k poklicni skrivnosti iz člena 56 navedene uredbe.
Deposit Guarantee Schemes shall be bound to professional secrecy referred to in Article 56 of that Regulation when exchanging information with the European Banking Authority .
V zvezi s tem Evropski bančni organ vsaj vsakih pet let opravi medsebojne strokovne preglede v skladu s členom 30 Uredbe (EU) št. 1093/2010 .
EBA shall , at least every five years , conduct peer reviews in this regard pursuant to Article 30 of Regulation (EU) No 1093/2010 .
Takšni pregledi zajemajo na primer prakse upravljanja podjetja iz odstavka 7a.
Such peer reviews shall include inter-alia corporate governance practices under paragraph 7a.
Sistemi zajamčenih vlog so pri izmenjavanju podatkov z Evropskim bančnim organom zavezani k poklicni skrivnosti iz člena 70 te uredbe.
Deposit Guarantee Schemes shall be bound to professional secrecy referred to in Article 70 of Regulation (EU) No 1093/2010 when exchanging information with EBA .
Poleg tega ima Evropski bančni organ pooblastilo, da vsako leto na podlagi posodobljenih scenarijev v skladu s različnimi scenariji vnaprej določenih prelomnic preuči odpornost sistemov zajamčenih vlog na izjemne situacije, in s tem ugotovi, ali je potrebna prilagoditev trenutnega modela izračunavanja in ciljne ravni.
Additionally EBA shall have the power to examine on the basis of updated figures the stress resistance of Deposit Guarantee Schemes annually in accordance with different scenarios of predefined breaking points in order to determine whether an adjustment of the current calculation model and the target level is appropriate.
V tem kontekstu test izjemnih situacij temelji na naslednjih scenarijih:
In this context the stress resistance test shall be based on the following scenarios:
(a) scenarij z majhnim vplivom;
( a) a low-impact scenario ;
(b) scenarij s srednjim vplivom;
( b) a medium-impact scenario ;
(c) scenarij z velikim vplivom.
( c) a high-impact scenario .
Države članice zagotovijo, da imajo sistemi zajamčenih vlog kadar koli in na njihovo zahtevo dostop do vseh podatkov o svojih članicah, ki so potrebni za pripravo izplačila vlagateljem, vključno z oznakami iz člena 4(2).
Member States shall ensure that Deposit Guarantee Schemes, at any time and at their request, receive from their members all information necessary to prepare a repayment of depositors, including markings under Article 4(2).
Podatke, potrebne za opravljanje testov izjemnih situacij, je treba redno pošiljati sistemom zajamčenih vlog.
Information necessary to perform stress tests shall be submitted to Deposit Guarantee Schemes on an ongoing basis.
Take podatke je treba spremeniti v anonimne.
Such information shall be rendered anonymous.
Prejeti podatki se lahko uporabijo le za opravljanje testov izjemnih situacij ali pripravo izplačil in se ne smejo zadržati dlje, kot je to potrebno za omenjena namena .
The information obtained may only be used for the performance of stress tests or the preparation of repayments and shall be kept no longer than is necessary for those purposes.
Prejeti podatki se lahko uporabijo le za opravljanje testov izjemnih situacij , analizo zgodovinskega razvoja odpornosti sistemov zajamčenih vlog ali za pripravo izplačil in so zaupni .
The information obtained may only be used for the performance of stress tests, for analysis of the historical evolution of Deposit Guarantee Schemes resilience or for the preparation of repayments and shall be kept confidential
Države članice zagotovijo, da imajo njihovi sistemi zajamčenih vlog zanesljive prakse upravljanja podjetja.
Member States shall ensure that their Deposit Guarantee Schemes have sound corporate governance practices in place.
(a) je v nadzornem organu sistemov zajamčenih vlog najmanj en neizvršni član, postopki imenovanja organa pa so odprti in pregledni;
(a) boards of D eposit G uarantee S cheme s shall include at least one non-executive member and shall have open and transparent board appointment processes;
(b) sistemi zajamčenih vlog pripravijo letno poročilo o svojih dejavnostih.
(b) D eposit G uarantee S chemes shall produce an annual report on their activities.
(c) vloge, povezane s transakcijami, na podlagi katerih so bile osebe v kazenskem postopku obsojene zaradi pranja denarja v smislu člena 1 (C) Direktive Sveta 91/308/EGS
(c) deposits arising out of transactions in connection with which there has been a criminal conviction for money laundering as defined in Article 1 (C) of Council Directive 91/308/EEC
(c) vloge, povezane s transakcijami, na podlagi katerih so bile osebe v kazenskem postopku obsojene zaradi pranja denarja v smislu člena 1(2) Direktive 2005/60/ES Evropskega parlamenta in Sveta z dne 26. oktobra 2005 o preprečevanju uporabe finančnega sistema za pranje denarja in financiranje terorizma 1 ;
(c) deposits arising out of transactions in connection with which there has been a criminal conviction for money laundering as defined in Article 1(2) of Directive 2005/60/EC of the European Parliament and of the Council of 26 October 2005 on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing 1 ;
1 UL L 309 z dne 25.11.2005, str.
1 OJ L 309, 25.11.05, p.
Člen 4 – odstavek 1 – točka c a (novo)
Article 4 – paragraph 1 – point c a (new)
(ca) Vloge, o katerih sta se vlagatelj in kreditna institucija pogodbeno dogovorila, da se uporabijo za izpolnitev določenih obveznosti vlagatelja do kreditne institucije ali druge stranke, če vlagatelj lahko na podlagi zakonskih določil ali pogodbenih dogovorov znesek vloge poračuna ali se znesek samodejno poračuna za takšne obveznosti v okoliščinah, v katerih bi vloga sicer postala nerazpoložljiva;
(ca) deposits in respect of which the depositor and the credit institution have contractually agreed that the deposit shall be applied towards the discharge of specific obligations of the depositor towards the credit institution or another party, provided that , by virtue of the law or of contractual arrangements, the amount of the deposit can be offset by the depositor or will be offset automatically against such obligations in circumstances where the deposit would otherwise have become an unavailable deposit;
Vloge, ki imajo funkcijo poroštva in so zakonsko tesno povezane s posojilom ali drugimi obveznostmi vlagatelja, se izvzamejo.
Deposits which act as collateral and are legally strongly connected to a loan or other obligation of the depositor should be exempted.
Te vloge nimajo funkcije prihrankov vlagateljev, temveč so poroštva za obveznosti in zmanjšanje po izravnavi obveznosti vlagatelja.
These deposits act not as savings of the depositors but as collateral for obligations and decrease after netting the liabilities of the depositor.
Člen 4 – odstavek 1 – točka f
Article 4 – paragraph 1 – point f
(f) vloge, katerih lastniki niso bili nikoli imenovani v smislu člena 3(1) Direktive 91/308/EGS, ko so te postale nerazpoložljive,
(f) deposits the holder of which has never been identified pursuant to Article 3(1) of Directive 91/308/EEC, when they have become unavailable,
(f) vloge, katerih lastniki niso bili imenovani v smislu člena 3(1) Direktive 91/308/EGS, ko so te postale nerazpoložljive, v trenutku aktivacije, med in po odplačilu jamstev za vloge;
(f) deposits the holder of which has been identified pursuant to Article 3 (1) of Directive 91/308/EEC at the time of the activation , during and following the repayment of deposit guarantees ;
Namen predloga spremembe je pojasniti, da je mogoče umakniti jamstva za vloge, ki so bila lastniku pomotoma izplačana zaradi nesolventnosti kreditne institucije, če identiteta lastnika do izplačila po členu 3(1) Direktive 91/308/EGS ni bila ugotovljena.
The purpose of this amendment is the clarification that deposit guarantees which have been mistakenly paid out as a result of the insolvency of a credit institution to a holder which has not yet been identified pursuant to Article 3 (1) of Directive 91/308/EEC at the time of the pay-out may be withdrawn.
Člen 4 – odstavek 1 – točka i
Article 4 – paragraph 1 – point i
(i) vloge pokojninskih in rentnih skladov,
(i) deposits by pension and retirement funds,
(i) vloge pokojninskih in rentnih skladov, razen vlog v zasebnih pokojninskih sistemih ali sistemih poklicnega pokojninskega zavarovanja delodajalca, ki ni veliko podjetje;
(i) deposits by pension and retirement funds, except those held in personal pension schemes or in occupational pension schemes of an employer that is not a large company;
Člen 4 – odstavek 1 – točka j
Article 4 – paragraph 1 – point j
(j) vloge organov ,
(j) deposits by authorities ,
(j) vloge državnih ter centralnih, regionalnih in lokalnih upravnih organov;
(j) deposits by the State and by central, regional and local authorities ;
Vendar države članice zagotovijo, da so vloge lokalnih organov upravičene za povračilo iz sistema zajamčenih vlog, če izpolnjujejo enega od naslednjih pogojev:
However, Member States shall ensure that deposits by local authorities are eligible for repayments by a Deposit Guarantee Scheme provided that one of the following condition is met:
(i) ne zaposlujejo rutinsko poklicnega blagajnika ali
(i) they do not routinely employ a professional treasurer ; or
(ii) umik prispevkov bi resno ogrozil nemoteno opravljanje storitev lokalnih organov.
(ii) the loss of the deposits would seriously undermine the continued provision of local government services .
Države članice poleg tega zagotovijo, da so v celoti zaščitene naslednje vloge:
In addition, Member States shall ensure that the following deposits are fully protected:
(a) vloge, ki prihajajo od nepremičninskih transakcij v zvezi z zasebnimi stanovanjskimi nepremičninami za največ 12 mesecev po dobropisu zneska ali po tem, ko postanejo te vloge zakonito prenosljive;
(a) deposits resulting from real estate transactions relating to private residential properties for up to 12 months after the amount has been credited or from the moment when such deposits be c ome legally transferable ;
(b) vloge, ki izpolnjujejo vidike, opredeljene v nacionalnem pravu, in so povezane s posebnimi dogodki v življenju, kot so poroka, razveza, upokojitev, odpoved, odpuščanje, invalidnost ali smrt vlagatelja, ter se zgodijo največ dvanajst mesecev po dobropisu zneska;
(b) deposits that serve purposes defined in national law which are linked to particular life events such as marriage, divorce, retirement, dismissal, redundancy, invalidity or death of a depositor, for up to 12 months after the amount has been credited;
(c) vloge, ki izpolnjujejo vidike, opredeljene v nacionalnem pravu, in izhajajo iz nekaterih oblik zavarovalnine ali nadomestila za poškodbe pri kaznivih dejanjih ali krivičnih obsodbah, za največ dvanajst mesecev po dobropisu zneska ali po tem, ko postanejo te vloge zakonito prenosljive.
(c) deposits that serve purposes defined in national law and are based on the payment of insurance benefits or compensation for criminal injuries or wrongful conviction, , for up to 12 months after the amount has been credited or from the moment when such deposits become legally transferable .
Države članice zagotovijo, da sistemi zajamčenih vlog upoštevajo stopnjo kritja iz odstavka 1.
Member States shall ensure that Deposit Guarantee Schemes do not deviate from the coverage level laid down in paragraph 1.
Vendar pa lahko države članice odločijo, da so v primeru, ko stroški takih izplačil niso zajeti v členih 9, 10 ali 11, krite naslednje vloge:
However, Member States may decide that the following deposits are covered provided that the costs for such repayments are not subject to Article 9, 10 and 11:
Države članice zagotovijo, da imajo vlagatelji pravico do ravni kritja iz odstavka 1.
Member States shall ensure that depositors have a legal entitlement to the coverage level laid down in paragraph 1.
(a) vloge, ki prihajajo od nepremičninskih transakcij za zasebne bivalne namene za največ 12 mesecev po dobropisu zneska;
(a) deposits resulting from real estate transactions for private residential purposes for up to 12 months after the amount has been credited;
(b) vloge, ki izpolnjujejo socialne vidike, opredeljene v nacionalnem pravu in so povezane s posebnimi dogodki v življenju, kot so na primer poroka, razveza, invalidnost ali smrt vlagatelja.
(b) deposits that fulfil social considerations defined in national law and are linked to particular life events such as marriage, divorce, invalidity or decease of a depositor.
To kritje ne presega obdobja 12 mesecev po takem dogodku.
The coverage shall not exceed a time period of 12 months after such event.
Odstavek 2 državam članicam ne preprečuje ohranitve ali uvedbe sistemov, ki ščitijo proizvode v zvezi s starostjo in pokojnine, če ti sistemi ne le ščitijo vloge, ampak tudi ponujajo razumljivo zaščito za vse proizvode in situacije, ki pridejo v zvezi z njimi v poštev.
Paragraph 2 shall not prevent Member States from maintaining or introducing schemes protecting old-age provision products and pensions, provided that such schemes do not only cover deposits but offer comprehensive coverage for all products and situations relevant in this regard.
Odstavek 1 državam članicam ne preprečuje ohranitve ali uvedbe sistemov, ki ščitijo proizvode v zvezi s starostjo in pokojnine, če ti sistemi ne le ščitijo vloge, ampak tudi ponujajo razumljivo zaščito za vse proizvode in situacije, ki pridejo v zvezi z njimi v poštev.
Paragraph 1 shall not prevent Member States from maintaining or introducing schemes protecting old-age provision products and pensions, provided that such schemes do not only cover deposits but offer comprehensive coverage for all products and situations relevant in this regard.
Kar zadeva vloge v kreditnih institucijah ali v podružnicah tujih kreditnih institucij v državah članicah izpred 31. decembra 2010 in vloge vlagateljev, katerih glavno prebivališče je v državi članici, ki je pred 1. januarjem 2008 imela zakonsko predpisan sistem zajamčenih vlog z določeno ravnjo jamstva med 100 000 in 300 000 EUR za vloge, lahko zadevne države članice z odstopanjem od odstavka 1 odločijo, da dotedanja določena raven jamstva ostane nespremenjena.
With regard to deposits with credit institutions or branches of foreign credit institutions in the Member States which were already made before 31 December 2010 and with regard to deposits of depositors whose principal place of residence is in an Member State which, before 1 January 2008, had a statutory D eposit G uarantee S cheme with a fixed coverage level between EUR 100 000 and EUR 300 000 for deposits, the Member States concerned may decide, by way of derogation from paragraph 1, that the fixed coverage level hitherto in force shall remain in force unaltered .
V tem primeru je treba ustrezno prilagoditi ciljno raven in prispevke na podlagi tveganja kreditnih institucij.
In that case, the target level and the risk-dependent contributions of the credit institutions shall be adjusted accordingly.
Vloge je treba izplačati v valuti, v kateri je bil voden račun.
Deposits shall be paid out in the currency in which the account was maintained.