natgillin/translations-raw huggingface dataset:
Do takšne uskladitve bi se postopoma dalo priti z določitvijo glavnih kazalnikov, ki naj temeljijo na skupnem pristopu, o katerem se dogovorijo Evropski bančni organ in pristojni organi, in ki bodo obvezni za vse države članice, in dodatnih, neobveznih kazalnikov.
The d eveloping of a set of core indicators that are mandatory for all Member States and of another set of optional supplementary indicators, based on a common approach agreed between EBA and the competent authorities, would introduce such harmonisation gradually.
Vendar se lahko narava tveganj, ki jih sprejmejo pridružene kreditne institucije, razlikuje glede na tržne razmere in poslovne dejavnosti kreditnih institucij.
However, the nature of the risks accepted by the affiliated credit institutions may vary depending on market circumstances and the business activities of the credit institutions.
Zato je smiselno, da se sistemom zajamčenih vlog poleg standardnega pristopa omogoči, da uporabijo tudi svoje postopke na podlagi tveganja, pod pogojem, da izpolnjujejo smernice, ki jih bo pripravil Evropski bančni organ po posvetovanju z Evropskim forumom zavarovateljev vlog (EFDI).
It is therefore worthwhile, in addition to the standard approach, to make it possible for Deposit Guarantee Schemes to also use risk-dependent procedures of their own in so far as they comply with the guidelines to be drawn up by EBA after consulting the European Forum of Deposit Insurers (EFDI).
To upošteva profile tveganj, vodi v natančnejše izračunavanje prispevkov, prilagojeno tržnim okoliščinam v državah članicam, in spodbuja poslovanje po manj tveganem poslovnem modelu.
This takes account of the risk profiles of individual banks, leads to a more precise calculation of contributions, tailored to market circumstances in the Member States, and provides incentives to operate under a less risky business model.
Področja kreditnega sektorja s posebej nizkim tveganjem, ki so urejena s posebno zakonodajo, bi lahko upoštevali le, če bi obstajala možnost ustreznega zmanjšanja prispevkov, ki jih je treba zagotavljati.
In order to take account of particularly low-risk sectors of lending which are governed by special laws, corresponding reductions in the contributions to be paid should be provided for.
(24a) Ugotovljeno je, da se donosnost v nekaterih primerih uporablja kot kazalec za zmanjševanje tveganja za premije, ki temeljijo na tveganju.
(24a) It is noted that profitability has , in some instances , been used as a risk diminishing indicator for risk based premiums.
Pri tem ni upoštevan poslovni model vzajemnih družb, ki si ne prizadevajo za čim večje povečanje dobička.
This does not take account of the business model of mutuals which do not seek to be profit maximising.
Poleg tega lahko želja po hitremu dobičku ustvarja neprimerno spodbudo za sprejemanje bolj tveganih strategij.
Further, the desire to drive up profit can create a perverse incentive for the adoption of riskier strategies.
Potreben je celovit pristop k zanesljivosti poslovnega modela.
A holistic view of the soundness of the business model should be taken.
(26) Obdobje izplačila, ki bo od 31. decembra 2010 naprej znašalo največ šest tednov, ne prispeva k ohranjanju zaupanja vlagateljev in ne zadovoljuje njihovih potreb.
(26) The payout delay of at maximum six weeks from 31 December 2010, runs counter to the need to maintain depositor confidence and does not meet their needs.
Zato bi bilo treba rok za izplačilo zmanjšati na en teden .
The payout delay should therefore be reduced to a period of one week .
Zato bi bilo treba rok za izplačilo zmanjšati na pet delovnih dni .
The payout delay should therefore be reduced to a period of five working days .
(26a) Pogosto pa potrebni postopki za kratek rok izplačila še ne obstajajo.
(26a) In many cases, however, the necessary procedures for a short time limit for payout do not yet exist.
Če pa se vlagateljem zagotovi, da bo rok izplačila kratek, nato pa se ga zaradi propada kreditne institucije ne spoštuje, lahko to trajno omaja zaupanje vlagateljev v jamstvene sheme ter njihovo stabilizacijsko delovanje in namen.
If, however, depositors are assured that the time limit for payout will be short and then, upon failure of a credit institution, the time limit is not respected, this can permanently damage depositors’ confidence in guarantee schemes , thereby undermin ing their stabilising effect and purpose.
Zaradi tega bi bilo treba državam članicam omogočiti, da v prehodnem obdobju do 31. decembra 2016 sprejmejo 20-dnevni rok izplačila, če se po preverjanju pristojnega organa ugotovi, da skrajšani rok izplačila ni uresničljiv.
Member States should , therefore , be given the option, during a transitional period ending on 31 December 2016, to adopt a time limit for payout of 20 working days if, after examination by the competent authorities , it has been ascertained that the reduced time limit for payout is not feasible.
V tem primeru bi morali do 31. decembra 2016 razviti in preizkusiti potrebne postopke za rok izplačila petih delovnih dni.
In that case, the procedures required for the five - working - day time limit for payout should be developed and tested by 31 December 2016.
Da bi pri tem zagotovili, da se vlagatelji v prehodnem obdobju do 31. decembra 2016 pri propadu kreditne institucije ne bodo znašli v finančnih težavah, bi morali imeti vlagatelji možnost, da jim pristojni sistem zajamčenih vlog v petih delovnih dneh izplača imetje, do katerega so upravičeni, v višini do 5000 EUR.
In order to ensure that, during the transitional period ending on 31 December 2016, depositors do not encounter financial difficulties in the event of failure of their credit institution, depositors should however be able to obtain a payout of up to EUR 5 000 from the applicable Deposit Guarantee Scheme within five working days on their deposit which is eligible for reimbursement.
(28) Informacija je bistveni element zaščite vlagatelja.
(28) Information is an essential element in depositor protection.
Zaradi tega je treba obveščati dejanske vlagatelje o njihovem kritju ter pristojnem sistemu z izpiski računa, morebitne vlagatelje pa s standardiziranim informacijskim listom, ki ga morajo podpisati.
Therefore, actual depositors should be informed about their coverage and the responsible scheme on their statements of account and intending depositors by countersigning a standardised information sheet.
Vsebina takih obvestil mora biti enaka za vse vlagatelje.
The content of such information should be identical for all depositors.
Neurejena uporaba navedb zneska in obsega sistema zajamčenih vlog bi pri oglaševanju vsekakor lahko vplivala na trdnost bančnega sistema ali na zaupanje vlagatelja.
The unregulated use in advertising of references to the amount and scope of a deposit-guarantee scheme could affect the stability of the banking system or depositor confidence.
Zaradi tega je treba pri oglaševanju omembo sistema zajamčenih vlog omejiti na kratko stvarno omembo.
Therefore, a reference to Deposit Guarantee Schemes in advertisements should be limited to a short factual reference.
Sistemi, ki ščitijo samo kreditno institucijo morajo vlagatelje na jasen način obvestiti o svoji funkciji , ne da bi obljubljali neomejeno zaščito vlog.
Systems which protect the credit institution itself should clearly inform depositors about their function without promising unlimited deposit protection.
Sistemi, ki ščitijo samo kreditno institucijo , morajo vlagatelje obvestiti o njihovih zakonitih pravicah v okviru stopnje kritja, določene v tej direktivi, in o svojem načinu delovanja, ne da bi obljubljali neomejeno zaščito vlog.
Systems which protect the credit institution itself should inform depositors about their legal entitlement arising from the coverage level provided for in this Directive and about how it operates, without promising unlimited deposit protection.
(32) Kljub spoštovanju nadzora držav članic nad sistemi zajamčenih vlog bi Evropski bančni organ moral prispevati k izpolnitvi cilja v zvezi z olajševanjem začetka in opravljanja dejavnosti za kreditne institucije, hkrati pa bo vlagateljem zagotavljal učinkovito zaščito.
(32) While respecting the supervision of Deposit Guarantee Schemes by Member States, the European Banking Authority should contribute to the achievement of the objective of making it easier for credit institutions to take up and pursue their activities while at the same time ensuring effective protection for depositors.
Zaradi tega mora organ potrditi, da so pogoji iz te direktive za posojanje med sistemi zajamčenih vlog izpolnjeni, ter ob upoštevanju strogih omejitev iz te direktive navesti zneske, ki si jih vsak sistem lahko izposodi, skupaj z začetno obrestno mero in trajanjem posojila.
To that end, the Authority should confirm that the conditions of borrowing between Deposit Guarantee Schemes laid down in this Directive are fulfilled and state, within the strict limits set by this Directive, the amounts to be lent by each scheme, the initial interest rate as well as the duration of the loan.
V zvezi s tem mora Evropski bančni organ tudi zbirati podatke o sistemih zajamčenih vlog, zlasti o zneskih, ki jih ti krijejo in ki so jih potrdili pristojni organi.
In this respect, the European Banking Authority should also collect information on Deposit Guarantee Schemes, in particular on the amount of deposits covered by them, confirmed by competent authorities.
Druge sisteme zajamčenih vlog mora obveščati o njihovi obveznosti posojanja.
It should inform the other Deposit Guarantee Schemes about their obligation to lend.
(32) Kljub spoštovanju nadzora držav članic nad sistemi zajamčenih vlog bi Evropski bančni organ moral prispevati k izpolnitvi cilja v zvezi z olajševanjem začetka in opravljanja dejavnosti za kreditne institucije, hkrati pa bo vlagateljem zagotavljal učinkovito zaščito in kar najbolj zmanjšal tveganje za davkoplačevalce .
(32) While respecting the supervision of Deposit Guarantee Schemes by Member States, the EBA should contribute to the achievement of the objective of making it easier for credit institutions to take up and pursue their activities while at the same time ensuring effective protection for depositors and minimising the risk to taxpayers .
V zvezi s tem mora Evropski bančni organ zbirati podatke v zvezi s sistemi zajamčenih vlog, zlasti o zneskih, ki jih ti krijejo in ki so jih potrdili pristojni organi.
In this respect, EBA should collect information concerning Deposit Guarantee Schemes, in particular on the amount of deposits covered by them, confirmed by competent authorities.
(34) Treba je uvesti učinkovit instrument za določitev usklajenih tehničnih standardov na področju finančnih storitev, da se zagotovijo enaki konkurenčni pogoji in ustrezna zaščita vlagateljev po Evropi.
(34) There is a need to introduce an effective instrument to establish harmonised technical standards in financial services to ensure a level playing field and an adequate protection of depositors across Europe .
Take standarde je potrebno razviti zato, da se standardizira izračun prispevkov na podlagi tveganja.
Such standards should be developed in order to standardize the calculation of risk-based contributions.
(34a) Kot je navedeno v Uredbi (EU) št. 1093/2010, je Evropski parlament v svoji resoluciji z dne 7. julija 2010, ki vsebuje priporočila Komisiji glede čezmejnega obvladovanja krize v bančnem sektorju, poudaril, da je nujen evropski mehanizem za reševanje bančnih kriz.
(34a) As already mentioned in Regulation (EU) No 1093/2010, i n its R esolution of 7 July 2010 with recommendations to the Commission on C ross- B order C risis M anagement in the B anking S ector , the European Parliament stressed the need for a European mechanism to resolve banking crises.
Tak mehanizem reševanja bančnih kriz bi bilo treba vzpostaviti brez poseganja v zaščito vlagateljev, ki jo zagotavlja sistem zajamčenih vlog.
Such a mechanism for banking crisis resolution should be set up without prejudice to the protection of depositors through a Deposit Guarantee Scheme.
(36) V zvezi s členom 5(5) bi morala biti Komisija pristojna za sprejetje delegiranih aktov v skladu s členom 290 Pogodbe o delovanju Evropske unije.
(36) The Commission should be empowered to adopt delegated acts in accordance with Article 290 of the Treaty on the Functioning of the European Union in respect of Article 5(5) .
(36) Komisija bi morala biti pristojna za sprejetje delegiranih aktov v skladu s členom 290 Pogodbe o delovanju Evropske unije, da bi prilagodili stopnjo kritja, kot je določena v tej direktivi, za vse vloge istih vlagateljev glede na inflacijo v Evropski uniji na podlagi sprememb v indeksu cen življenjskih potrebščin.
( 36 ) The Commission should be empowered to adopt delegated acts in accordance with Article 290 of the Treaty on the Functioning of the European Union in order to adjust the coverage level for the total deposits of the same depositor as laid down in this Directive in line with inflation in the European Union on the basis of changes in the consumer price index .
(35a) Komisijo bi bilo treba tudi pooblastiti za sprejetje tehničnih regulativnih standardov v zvezi z opredelitvami pojmov in metodami standardnega pristopa iz te direktive, namenjenimi izračunavanju prispevkov na podlagi tveganja kreditnih institucij v sisteme zajamčenih vlog, v skladu postopkom iz členov 10 do 14 Uredbe (EU) št. 1093/2010.
(35a) The Commission should also be empowered to adopt regulatory technical standards relating to the definitions and methods of the standard approach to calculating risk-adjusted contributions by credit institutions to Deposit Guarantee Schemes described in this Directive in accordance with the procedures provided for in Articles 10 to 14 of Regulation (EU) No 1093/2010.
Evropski bančni organ bi moral pripraviti ustrezne osnutke tehničnih regulativnih standardov in jih do 31. decembra 2012 predložiti Komisiji.
EBA should develop such regulatory technical standards and submit them to the Commission for endorsement by 31 December 2012.
Ta direktiva določa pravila v zvezi z delovanjem sistemov zajamčenih vlog.
This Directive lays down rules concerning the functioning of Deposit Guarantee Schemes.
Ta direktiva določa pravila v zvezi z delovanjem evropskega sistema za nacionalne sisteme zajamčenih vlog , katerega namen je vlagateljem v Evropski uniji zagotoviti enotno varnostno mrežo, ki ponuja visoko raven zaščite .
This Directive lays down rules concerning the functioning of the European scheme for national Deposit Guarantee Schemes intended to provide depositors in the European Union with a common safety net offering a high level of protection .
Ta direktiva se uporablja za vse zakonsko predpisane ali z dogovorom vzpostavljene sisteme zajamčenih vlog in za vse institucionalne jamstvene sheme , priznane kot sistemi zajamčenih vlog .
This Directive shall apply to all Deposit Guarantee Schemes on a statutory or contractual basis and to institutional protection schemes recognized as Deposit Guarantee Schemes .
Ta direktiva se uporablja za vse sisteme zajamčenih vlog in njihove pridružene kreditne institucije, priznane v skladu s členom 3(1) .
This Directive shall apply to all Deposit Guarantee Schemes recognised pursuant to Article 3(1) and to their affiliated credit institu t ions .
Sistemi zajamčenih vlog imajo lahko obliko zakonsko predpisanih, z dogovorom vzpostavljenih, pa tudi institucionalnih jamstvenih shem v smislu člena 80(8) Direktive 2006/48/ES .
Deposit Guarantee Schemes may take the form of statutory, contractual or institutional protection schemes as referred to in Article 80(8) of Directive 2006/48/EC.
Institucionalne jamstvene sheme, opredeljene v členu 80(8) Direktive 2006/48/ES, lahko pristojni organi priznajo kot sisteme zajamčenih vlog, če izpolnjujejo vse pogoje iz omenjenega člena in te direktive.
Institutional protection schemes defined in Article 80(8) of Directive 2006/48/EC may be recognized as Deposit Guarantee Schemes by the competent authorities if they fulfil all criteria laid down in that Article and in this Directive.
Institucionalne jamstvene sheme, ki niso priznane po odstavku 3 in ki ne ščitijo vlog, ne smejo biti predmet te direktive, razen drugega pododstavka člena 14(5) in zadnjega pododstavka Priloge III.
Institutional protection schemes not recognized under paragraph 3 and not guaranteeing deposits shall not be subject to this Directive, except to the second subparagraph of Article 14(5) and the last subparagraph of Annex III.
V zvezi s to direktivo se za jamstvene sheme, ki niso priznane po členu 3(1) , uporabljajo le člen 11(1), drugi pododstavek člena 14(5) , člen 14(6a) in zadnji pododstavek Priloge III.
In respect of this Directive, protection schemes not recognized under Article 3(1) shall only be subject to Article 11(1), the second subparagraph of Article 14(5), Article 14 (6a) and the last subparagraph of Annex III.
Če se vzpostavi evropski sklad za reševanje bančnih kriz mora Komisija ob pomoči Evropskega bančnega organa zagotoviti, da bo ostala raven zaščite vlagateljev visoka.
If a European fund for banking crisis resolution is set up, the Commission, supported by EBA , shall make sure that the level of protection for depositors remains high.
Člen 2 – odstavek 1 – točka a – pododstavek 1
Article 2 – paragraph 1 – point a – subparagraph 1
(a) „vloga“ pomeni kakršen koli pozitivni saldo, ki je posledica sredstev, ostalih na računu, ali začasnih stanj, ki so posledica običajnih bančnih transakcij in jih mora kreditna institucija vrniti po veljavnih pravnih in pogodbenih pogojih.
(a) 'deposit' means any credit balance which results from funds left in an account or from temporary situations deriving from normal banking transactions and which a credit institution must repay under the legal and contractual conditions applicable.
(i) kakršen koli pozitivni saldo, ki je posledica sredstev, ostalih na računu, ali začasnih stanj, ki so posledica običajnih bančnih transakcij , vključno z vezanimi depoziti, hranilnimi vlogami in registriranimi vlogami, in jih mora kreditna institucija vrniti po veljavnih pravnih in pogodbenih pogojih , ali
(i) any credit balance which results from funds left in an account or from temporary situations deriving from normal banking transactions, including fixed term deposits, savings deposits and registered deposits, and which a credit institution must repay under the legal and contractual conditions applicable or
(ii) kakršen koli dolg, evidentiran s potrdilom, ki ga je izdala kreditna institucija .
(ii) any debt evidenced by a certificate issued by the credit institution .
Člen 2 – odstavek 1 – točka a – pododstavek 3 – alinea 1
Article 2 – paragraph 1 – point a – subparagraph 3 – indent 1
njegov obstoj se da dokazati samo s certifikatom, ki ni izpisek računa;
its existence can only be proven by a certificate other than a statement of account;
se glasi na imetnika in ne na ime;
it is made out to the holder and not to a named person ;
Člen 2 – odstavek 1 – točka c a (novo)
Article 2 – paragraph 1 – point c a (new)
(ca) „vlagatelj“pomeni imetnik oziroma v primeru skupnega računa skupni imetnik vloge;
( ca) ' depositor ' means the holder or, in the case of a joint account, each of the holders , of the deposit ;
(i) pristojni organi so ugotovili , da po njihovem mnenju kreditna institucija zaradi vzrokov, ki so neposredno povezani z njenim finančnim položajem, za zdaj ni sposobna vrniti vloge in tudi ni pričakovati, da bi to lahko storila.
(i) the relevant competent authorities have determined that in their view the credit institution concerned appears to be unable for the time being, for reasons which are directly related to its financial circumstances, to repay the deposit and to have no current prospect of being able to do so.
(i) pristojni organi na podlagi informacij, ki so jim ta čas dostopne, ugotovijo , da kreditna institucija zaradi vzrokov, ki so neposredno povezani z njenim finančnim položajem, v tem času ni sposobna vrniti vloge in tudi ni pričakovati, da bi to lahko storila.
(i) the relevant competent authorities have determined that , according to information currently available to them, the credit institution concerned is unable for the time being, for reasons which are directly related to its financial circumstances, to repay the deposit and have no current prospect of being able to do so.
Pristojni organi to ugotovijo čim prej in najpozneje pet delovnih dni po tem, ko so prvič ugotovili, da kreditna institucija ni vrnila zapadlih in vračljivih vlog; ali
The competent authorities shall make that determination as soon as possible and in any event no later than five working days after first becoming satisfied that a credit institution has failed to repay deposits which are due and payable; or
Ta predlog spremembe pojasnjuje s pravnega vidika preveč nejasne določbe, ki ne bi omogočale zadostne pravne varnosti.
This amendment aims at clarifying too legally vague provisions, which would not offer enough legal certainty.
Odločitev zadevnih pristojnih organov, da finančna institucija ni plačilno sposobna, bi se morala opirati na dokaze na podlagi trenutnih informacij, ne pa na njihovo mnenje (kot je predlagala Komisija), da se prepreči možnost prihodnjih sporov o neutemeljenih odločitvah.
The decision by the relevant competent authorities that a financial institution is not solvent should be supported by the evidence based on their current information, not on their views (as proposed by the Commission) in order to prevent any possible future disputes about the unfounded decisions.
(fa) „ukrepi v zvezi s pravilnim delovanjem kreditnih institucij“ so ukrepi za preprečitev aktivacije sistema zajamčenih vlog.
(fa) ‘measures in conjunction with the orderly winding-up of credit institutions’ means measures to prevent a call on a Deposit Guarantee Scheme.
Ti ukrepi lahko na primer vključujejo:
Such measures may include, inter alia:
(i) pomoč pri pridobitvi kreditne institucije, ki je postala nestabilna;
(i) assistance in acquiring a credit institution which has become unbalanced;
(ii) prenos vlog in ustreznega premoženja, vključno s poslovnimi področji, na premostitveno kreditno institucijo;
(ii) transfer of deposits and of corresponding assets, including business sectors, to a bridging credit institution;
(iii) prisilno združitev z drugimi kreditnimi institucijami;
(iii) an enforced merger with other credit institutions;
(iv) redno likvidacijo ob udeležbi sistema zajamčenih vlog.
(iv) orderly winding-up with the participation of the Deposit Guarantee Scheme.
Člen 2 – odstavek 1 – točka h
Article 2 – paragraph 1 – point h
(h) „ciljna raven“ pomeni 1,5 % upravičenih vlog, za kritje katerih je pristojen sistem zajamčenih vlog;
(h) 'target level' means 1.5 % of eligible deposits for the coverage of which a Deposit Guarantee Scheme is responsible;
(h) „ciljna raven“ pomeni 1,5 % kritih vlog, za kritje katerih je pristojen sistem zajamčenih vlog;
(h) 'target level' means 1.5 % of covered deposits which a Deposit Guarantee Scheme is responsible for covering;
Člen 2 – odstavek 1 – točka i
Article 2 – paragraph 1 – point i
(i) „razpoložljiva finančna sredstva“ pomeni gotovino, vloge in sredstva z nizkim tveganjem s preostalim časom do končne zapadlosti 24 mesecev ali manj , ki se lahko likvidirajo v roku, ki ne presega omejitve iz člena 7(1);
(i) ‘ available financial means ’ means cash, deposits and low-risk assets with a residual term to final maturity of 24 months or less , which can be liquidated within a time limit not exceeding the limit set by Article 7(1);
(i) „razpoložljiva finančna sredstva“ pomeni gotovino, vloge in sredstva z nizkim tveganjem, ki se lahko likvidirajo v roku, ki ne presega omejitve iz člena 7(1) , in v vrednosti do 10 % zastavljenih sredstev ;
(i) ' available financial means ' means cash, deposits and low-risk assets, which can be liquidated within a time limit not exceeding the limit set by Article 7(1) and up to 10 % of ple d ged assets ;
Člen 2 – odstavek 1 – točka i a (novo)
Article 2 – paragraph 1 – point i a (new)
(ia) „zastavljena sredstva“ so plačilne obveznosti, ki so ustrezno visokokakovostno zavarovana in za katere veljajo naslednji pogoji:
(ia) ' pledged assets ' means payment commitments which are duly backed by high quality collateral and which are subject to the following conditions: