natgillin/translations-raw huggingface dataset:
Odstavek 12 se uporablja zlasti v primerih, ko bi bilo za kreditne institucije neprimerno obremenjujoče, če bi morale pregledati osnovne izpostavljenosti, da bi izračunale tveganju prilagojene zneske in zneske pričakovanih izgub v skladu z metodami iz tega oddelka.
In particular, paragraph 12 shall apply where it would be unduly burdensome for the credit institution to look through the underlying exposures in order to calculate risk-weighted amounts and expected loss amounts in accordance with methods set out in this section.
Člen 87 – odstavek 11 – pododstavek 2 – točka b – točka i
Article 87 – paragraph 11 – subparagraph 2 – point b – point i
(i) za izpostavljenosti, za katere velja posebna utež tveganja za neocenjene izpostavljenosti ali najvišja stopnja kreditne kvalitete za določeno kategorijo izpostavljeni, se utež tveganja pomnoži s faktorjem 2, vendar ne sme presegati 1.250 %;
(i) for exposures subject to a specific risk weight for unrated exposures or subject to the highest credit quality step for a given exposure class, the risk weight shall be multiplied by a factor of 2 but cannot be higher than 1 250 %;
(i) za izpostavljenosti, za katere velja posebna utež tveganja za neocenjene izpostavljenosti ali stopnja kreditne kvalitete z največjo utežjo tveganja za določeno kategorijo izpostavljenosti , se utež tveganja pomnoži s faktorjem 2, vendar ne sme presegati 1.250 %;
(i) for exposures subject to a specific risk weight for unrated exposures or subject to the credit quality step yielding the highest risk weight for a given exposure class, the risk weight shall be multiplied by a factor of two but cannot be higher than 1 250 %;
Člen 87 – odstavek 11 – pododstavek 3
Article 87 – paragraph 11 – subparagraph 3
Če za namene točke (a) kreditna institucija ne more razlikovati med izpostavljenostmi iz naslova zasebnih lastniških instrumentov, lastniških instrumentov, s katerimi se trguje na borzi in drugih lastniških instrumentov, obravnava zadevne izpostavljenosti kot izpostavljenosti iz naslova drugih lastniških instrumentov.
If, for the purposes of point (a), the credit institution is unable to differentiate between private equity, exchange-traded and other equity exposures, it shall treat the exposures concerned as other equity exposures.
Če te izpostavljenosti, upoštevane skupaj z neposrednimi izpostavljenostmi kreditne institucije v tej kategoriji izpostavljenosti, niso bistvene v smislu člena 89(2), se lahko na podlagi odobritve pristojnih organov uporablja odstavek 1 navedenega člena.
Where these exposures, taken together with the credit institution's direct exposures in this exposure class, are not material within the meaning of Article 89(2), Paragraph 1 of that Article may be applied subject to the approval of the competent authorities.
Če te izpostavljenosti, upoštevane skupaj z neposrednimi izpostavljenostmi kreditne institucije v tej kategoriji izpostavljenosti, niso bistvene v smislu člena 89(2), se lahko brez poseganja v člen 154(6) na podlagi odobritve pristojnih organov uporablja odstavek 1 navedenega člena.
Without prejudice to Article 154(6), where these exposures, taken together with the credit institution's direct exposures in this exposure class, are not material within the meaning of Article 89(2), paragraph 1 of that Article may be applied subject to the approval of the competent authorities.
Člen 97 – odstavek 2
Article 97 – paragraph 2
Člen 97(2) se nadomesti z naslednjim besedilom:
Article 97(2) is replaced by the following:
Pristojni organi priznajo, da ECAI izpolnjuje pogoje iz odstavka 1 le, če ugotovijo, da izpolnjuje zahteve iz člena 81 ob upoštevanju tehničnih meril v delu 2 priloge VI, in če je dokazala sposobnost na področju listinjenja, ki jo je mogoče utemeljiti na podlagi širokega tržnega sprejemanja.
The competent authorities shall recognise an ECAI as eligible for the purpose of paragraph 1 only if they are satisfied as to its compliance with the requirements laid down in Article 81, taking into account the technical criteria set out in Annex VI, part 2, and that it has a demonstrated ability in the area of securitisation, which may be evidenced by a strong market acceptance.
Če je ECAI registriran kot bonitetna agencija v skladu z Uredbo (ES) št. .../2009 z dne ...* Evropskega parlamenta in Sveta o bonitetnih agencijah**, za pristojne organe to pomeni, da so zahteve po objektivnosti, neodvisnosti, stalnem preverjanju in preglednosti v zvezi z metodologijo za ocenjevanje izpolnjene.
Where an ECAI is registered as a CRA in accordance with the Regulation (EC) No .../2009 of ...* of the European Parliament and of the Council on Credit Rating Agencies**, the competent authorities shall consider the requirements of objectivity, independence, ongoing review and transparency with respect to its assessment methodology to be satisfied.
* UL vstaviti številko in datum
* OJ please insert number and date.
** UL L ... "
** OJ L ... "
Člen 1 – točka 16 – točka a
Article 1 – point 16 – point a
Člen 106 – odstavek 2 – točka a
Article 106 – paragraph 2 – point a
(a) pri poslih s tujimi valutami izpostavljenosti, ki nastanejo v običajnem poteku poravnave v 48 urah po plačilu;
(a) in the case of foreign exchange transactions, exposures incurred in the ordinary course of settlement during the 48 hours following payment;
(a) pri poslih s tujimi valutami izpostavljenosti, ki nastanejo v običajnem poteku poravnave v dveh dneh po plačilu;
(a) in the case of foreign exchange transactions, exposures incurred in the ordinary course of settlement during the two working days following payment;
Člen 106 – odstavek 2 – točka c
Article 106 – paragraph 2 – point c
(c) pri opravljanju storitev prenosa denarja ali obračuna in poravnave poslov z vrednostnimi papirji za stranke, zapoznelih prejemkov pri financiranju in drugih izpostavljenosti, ki izhajajo iz dejavnosti strank , ki ne trajajo dlje kot naslednji delovni dan.
(c) in the case of the provision of money transmission or securities clearing and settlement services to clients, delayed receipts in funding and other exposures arising from client activity, which do not last longer than the following business day.
(c) pri opravljanju storitev prenosa denarja , vključno z izvrševanjem plačilnih storitev, obračunom in poravnavo v kateri koli valuti ter ustreznimi storitvami obračuna, poravnave ter depozita bančnih in finančnih instrumentov za stranke, zapoznelih prejemkov pri financiranju in drugih izpostavljenosti v povezavi s tistimi storitvami ali dejavnostmi za stranke ali izpostavljenostmi do ponudnikov teh storitev , ki ne trajajo dlje kot naslednji delovni dan.
(c) in the case of the provision of money transmission including the execution of payment services, clearing and settlement in any currency and correspondent banking or financial instruments clearing , and settlement and custodian services to clients, delayed receipts in funding and other exposures arising with respect to those services or activities to clients or exposures to providers of those services which do not last longer than the following working day.
Člen 1 – točka 16 – točka b
Article 1 – point 16 – point b
Člen 106 – odstavek 3
Article 106 – paragraph 3
Da se ugotovi obstoj skupine povezanih oseb glede izpostavljenosti iz točk (m), (o) in (p) člena 79(1), če obstaja izpostavljenost do finančnega premoženja, kreditna institucija oceni shemo in njene osnovne izpostavljenosti.
In order to determine the existence of a group of connected clients, in respect of exposures referred to in points (m), (o) and (p) of Article 79(1), where there is an exposure to underlying assets, a credit institution shall assess the scheme and its underlying exposures.
V ta namen kreditna institucija ovrednoti ekonomsko vsebino in tveganja, povezana s strukturo transakcije.
For that purpose, a credit institution shall evaluate the economic substance and the risks inherent in the structure of the transaction.
Da se ugotovi obstoj skupine povezanih oseb glede izpostavljenosti iz točk (m), (o) in (p) člena 79(1), če obstaja izpostavljenost do finančnega premoženja, kreditna institucija oceni shemo ali njene osnovne izpostavljenosti ali oboje .
In order to determine the existence of a group of connected clients, in respect of exposures referred to in points (m), (o) and (p) of Article 79(1), where there is an exposure to underlying assets, a credit institution shall assess the scheme or its underlying exposures , or both .
Člen 110 – odstavek 2
Article 110 – paragraph 2
Države članice zagotovijo, da se poroča vsaj dvakrat na leto.
Member States shall provide that reporting is to be carried out at least twice a year.
Pristojni organi od 1. januarja 2013 uporabljajo enotno obliko, pogostost in enotne datume poročanja.
Competent authorities shall apply, from 1 January 2013, uniform formats, frequencies and dates of reporting.
Odbor evropskih bančnih nadzornikov do 31. decembra 2011 pripravi smernice o uvedbi enotne oblike poročanja v Skupnosti za lažji potek tega postopka .
To facilitate this, the Committee of European Banking Supervisors shall elaborate guidelines to introduce, within the Community, a uniform reporting format by 31 December 2011.
Oblike poročanja ustrezajo značaju, obsegu in zahtevnosti dejavnosti kreditnih institucij.
The reporting formats shall be proportionate to the nature, scale and complexity of the credit institutions' activities.
Člen 1 – točka 21 – točka d
Article 1 – point 21 – point d
Člen 113 – odstavek 4 – točka c
Article 113 – paragraph 4 – point c
(c) ne glede na točko (f) odstavka 1 tega člena izpostavljenosti kreditne institucije do nadrejene družbe, drugih podrejenih družb te nadrejene družbe ali lastnih podrejenih družb, če so te družbe in tudi sama kreditna institucija vključene v nadzor na konsolidirani osnovi, v skladu s to direktivo ali z enakovrednimi standardi, ki veljajo v tretji državi; izpostavljenosti, ki ne izpolnjujejo teh meril, izvzete iz člena 111(1) ali ne, se obravnavajo kot izpostavljenosti do tretje osebe;
(c) notwithstanding point (f) of paragraph 1 of this Article, exposures incurred by a credit institution to its parent undertaking, to other subsidiaries of that parent undertaking or to its own subsidiaries, in so far as those undertakings are covered by the supervision on a consolidated basis to which the credit institution itself is subject, in accordance with this Directive or with equivalent standards in force in a third country; exposures that do not meet these criteria, where exempted from Article 111(1) or not, shall be treated as exposures to a third party.
(c) ne glede na točko (f) odstavka 1 tega člena izpostavljenosti , vključno z udeležbo ali drugo vrsto deležev, kreditne institucije do nadrejene družbe, drugih podrejenih družb te nadrejene družbe ali lastnih podrejenih družb, če so te družbe in tudi sama kreditna institucija vključene v nadzor na konsolidirani osnovi, v skladu s to direktivo ali z enakovrednimi standardi, ki veljajo v tretji državi; izpostavljenosti, ki ne izpolnjujejo teh meril, izvzete iz člena 111(1) ali ne, se obravnavajo kot izpostavljenosti do tretje osebe.
(c) notwithstanding point (f) of paragraph 1 of this Article, exposures , including participations or other kind of holdings, incurred by a credit institution to its parent undertaking, to other subsidiaries of that parent undertaking or to its own subsidiaries, in so far as those undertakings are covered by the supervision on a consolidated basis to which the credit institution itself is subject, in accordance with this Directive or with equivalent standards in force in a third country; exposures that do not meet these criteria, whether exempted from Article 111(1) or not, shall be treated as exposures to a third party .
Člen 113 – odstavek 4 – točka f
Article 113 – paragraph 4 – point f
(f) aktivne postavke, ki predstavljajo terjatve in druge izpostavljenosti do institucij, pod pogojem, da te izpostavljenosti niso del lastnih sredstev teh institucij, ne trajajo dlje kot do naslednjega delovnega dne in so denominirane v valuti države članice, ki uporablja to možnost, pod pogojem, da ta valuta ni euro .
(f) asset items constituting claims on and other exposures to institutions, provided that these exposures do not constitute such institutions' own funds, do not last longer than the following business day and are denominated in a currency of the Member State exercising this option, provided that such currency is not the euro . "
(f) aktivne postavke, ki predstavljajo terjatve in druge izpostavljenosti do institucij, pod pogojem, da te izpostavljenosti niso del lastnih sredstev teh institucij, ne trajajo dlje kot do naslednjega delovnega dne in niso denominirane v glavni trgovalni valuti.
(f) asset items constituting claims on and other exposures to institutions, provided that these exposures do not constitute such institutions' own funds, do not last longer than the following business day and are not denominated in a major trading currency.
Člen 113 – odstavek 4 – točka f a (novo)
Article 113 – paragraph 4 – point f a (new)
(fa) aktivne postavke, ki predstavljajo terjatve do centralnih bank v obliki zahtevanih obveznih rezerv, shranjenih v teh centralnih bankah, in aktivne postavke, ki so terjatve do centralnih vlad v obliki zakonsko predpisanih likvidnostnih zahtev, se hranijo kot državni vrednostni papirji ter so denominirane in vplačane v nacionalnih valutah posojilojemalcev.
(fa) asset items constituting claims on central banks in the form of required minimum reserves held at th o se central banks, and asset items constituting claims on central governments in the form of statutory liquidity requirements held in government securities and which are denominated and funded in the national currencies of the borrowers .
Člen 113 – odstavek 4 – točka f b (novo)
Article 113 – paragraph 4 – point f b (new)
(fb) 50 % zunajbilančnih dokumentarnih akreditivov s srednjim in srednjim/nizkim tveganjem ter, pod pogojem, da se s tem strinjajo pristojni organi, 80 % drugih jamstev, razen osebnih jamstev za posojila, ki temeljijo na zakonskih in podzakonskih predpisih in jih svojim članom dajejo vzajemne jamstvene sheme, ki imajo status kreditne institucije.
(fb) 50 % of the medium and medium/low risk off-balance-sheet documentary credits and , subject to the competent authorities' agreement, 80 % of guarantees other than loan guarantees which have a legal or regulatory basis and are given for their members by mutual guarantee schemes possessing the status of credit institution .
Člen 113 – odstavek 4 – točka f c (novo)
Article 113 – paragraph 4 – point f c (new)
(fc) zakonsko predvidena jamstva, ki se uporabljajo, ko se hipotekarno posojilo, financirano z izdajo hipotekarnih obveznic, plača hipotekarnemu posojilojemalcu pred dokončnim vpisom v zemljiško knjigo, pod pogojem, da garancija ni uporabljena za zmanjšanje tveganja pri izračunu tveganju prilagojene aktive.
(fc) legally required guarantees used when a mortgage loan financed by issuing mortgage bonds is paid to the mortgage borrower before the final registration of the mortgage in the land register, provided the guarantee is not used as reducing the risk in calculating the risk weighted assets."
Člen 1 – točka 23
Article 1 – point 23
Člen 115 – odstavek 1 – pododstavek 2
Article 115 – paragraph 1 – subparagraph 2
Vrednost premoženja, kakor zahtevajo pristojni organi, se izračuna na osnovi strogih standardov vrednotenja, določenih z zakonom ali drugim predpisom.
The value of the property shall be calculated, to the satisfaction of the competent authorities, on the basis of strict valuation standards laid down by law, regulation or administrative provisions.
Vrednotenje se opravi vsaj enkrat na leto .
Valuation shall be carried out at least once a year .
Vrednotenje se opravi vsaj enkrat vsaka tri leta za stanovanjske nepremičnine .
Valuation shall be carried out at least once every three years for residential real estate .
Člen 1 – točka 27
Article 1 – point 27
Člen 122a – odstavek 1
Article 122a – paragraph 1
Kreditna institucija je izpostavljena kreditnemu tveganju obveznosti ali morebitne obveznosti ali paketu obveznosti ali morebitnih obveznosti le v naslednjih primerih, če ni neposredno sodelovala pri pogajanjih, strukturiranju in dokumentiranju prvotnega dogovora, s katerim so nastale obveznosti ali morebitne obveznosti:
A credit institution shall only be exposed to the credit risk of an obligation or potential obligation or a pool of obligations or potential obligations where it was not involved in directly negotiating, structuring and documenting the original agreement which created the obligations or potential obligations, if:
Kreditna institucija, ki ni originator, sponzor ali prvotni posojilodajalec , je izpostavljena kreditnemu tveganju pozicije listinjenja v svoji trgovalni knjigi ali bančni knjigi, če so originator, sponzor ali prvotni posojilodajalec kreditni instituciji izrecno sporočili , da bodo trajno ohranjali pomemben neto delež, ki bo v vsakem primeru vsaj 5 % ali enakovreden delež pri donosnosti listinjenih izpostavljenosti .
A credit institution other than an originator, sponsor or original lender shall only be exposed to the credit risk of a securitisation position in its trading book or non-trading book if the originator, sponsor or original lender has explicitly disclosed to the credit institution that it will retain, on an ongoing basis, a material net economic interest which shall be a significant amount and , in any event , not less than 5% or an equivalent interest in the performance of the securitised exposures .
(a) osebe ali subjekti, ki so sodelovali pri neposrednih pogajanjih, strukturiranju in dokumentiranju prvotnega dogovora z dolžnikom ali potencialnim dolžnikom, ali, če je primerno,
(a) the persons or entities that directly negotiated, structured and documented the original agreement with the obligor or potential obligor; or alternatively and where applicable,
(b) osebe ali subjekti, ki upravljajo in kupujejo take obveznosti ali morebitne obveznosti neposredno ali posredno za račun kreditne institucije,
(b) the persons or entities that manage and purchase such obligations or potential obligations directly or indirectly on behalf of the credit institution,
so se kreditni instituciji obvezali , da bodo trajno vzdrževali pomemben neto delež in v vsakem primeru vsaj 5 odstotkov v pozicijah s profilom tveganja, ki je enak tistemu, ki mu je izpostavljena kreditna institucija .
have issued an explicit commitment to the credit institution to maintain, on an ongoing basis, a material net economic interest and in any event not less than 5 per cent in positions having the same risk profile as the one that the credit institution is exposed to .
Za namene prvega pododstavka ohranitev neto deleža pomeni:
For th e purpose of the first subparagraph , retention of net economic interest shall mean:
(a) ohranitev vsaj 5 % nominalne vrednosti vseh tranš, prodanih ali prenesenih na vlagatelje;
(a) retention of no less than 5 % of the nominal value of each of the tranches sold or transferred to the investors ;
(b) v primeru listinjenja obnavljajočih se izpostavljenosti ohranitev interesa originatorja v višini vsaj 5 % nominalne vrednosti listinjenih izpostavljenosti
(b) in the case of securitisations of revolving exposures, retention of the originator's interest of no less than 5 % of the nominal value of the securitised exposures;
(c) ohranitev naključno izbranih izpostavljenosti, ki so enakovredne vsaj 5 % nominalne vrednosti listinjenih izpostavljenosti, če bi bile te sicer listinjene v listinjenju, pod pogojem, da je število potencialno listinjenih izpostavljenosti na dan listinjenja vsaj 100
(c) retention of randomly selected exposures, equivalent to no less than 5 % of the nominal amount of the securitised exposures, where th o se would otherwise have been securitised in the securitisation provided that the number of potentially securitised exposures is no less than 100 at the date of securitisation;
(d) ohranitev tranše prve izgube in po potrebi drugih tranš, ki imajo enak ali resnejši profil tveganja in ne zapadejo prej kot tiste, ki so prenesene ali prodane investitorju, tako da je skupna ohranitev enaka vsaj 5 % nominalne vrednosti listinjenih izpostavljenosti; ali
(d) retention of the first loss tranche and, if necessary, other tranches having the same or more severe risk profile and not maturing any earlier than those transferred or sold to investors, so that the retention equals in total to no less than 5 % of the nominal value of the securitised exposures ; or
(e) izrecno in brezpogojno jamstvo originatorja, sponzorja ali prvotnega posojilodajalca, glede na primer, iz katerega je razvidno, da listinjene izpostavljenosti in dolžniki izpolnjujejo merila, veljavna za aktivo in dolžnike v transakcijski dokumentaciji, ali iz katerega je razvidno vsakršno odstopanje od teh meril, ter da so originator, sponzor ali prvotni posojilodajalec ravnali s potrebno skrbnostjo v zvezi s tem, vključno z profili tveganja.
( e) an explicit and unconditional warranty by the originator, a sponsor or original lender, as the case requires, that indicates that the securitised exposures and the obligors meet the asset and obligor criteria in the transaction documentation, or discloses any variations therefrom, and that due diligence was carried out by the originator, sponsor, or original lender in respect thereof, including the risk profiles thereof.
Neto delež se meri na datum listinjenja in se ohranja trajno.
Net economic interest is measured at the date of securitisation; and shall be maintained on an on-going basis.
Zanj ne velja nikakršno zmanjševanje kreditnega tveganja ali nikakršne kratke pozicije ali druga varovala.
It shall not be subject to credit risk mitigation , short positions , or other hedge.
Neto delež je za zunajbilančne postavke nominalna vrednost.
The net economic interest shall be determined by the notional value for off-balance sheet items.
Za namene tega člena "trajno" pomeni, da ohranjene pozicije, delež ali izpostavljenosti niso varovane pred tveganjem ali prodane.
For the purpose of this Article, ' on-going basis ' shall mean that retained positions, interest or exposures shall not be hedged or sold.
Za vsako listinjenje velja samo ena zahteva za ohranitev deleža.
There shall be no multiple applications of the retention requirements for any given securitisation.
Člen 122a – odstavek 2
Article 122a – paragraph 2
Odstavek 1 se ne uporablja za obveznosti ali morebitne obveznosti, ki predstavljajo terjatve ali pogojne terjatve na naslednja telesa ali terjatve ali pogojne terjatve, ki jih jamčijo naslednja telesa:
Paragraph 1 shall not apply to obligations or potential obligations that constitute claims or contingent claims on or guaranteed by:
Odstavek 1 se ne uporablja , če so listinjene izpostavljenosti terjatve ali pogojne terjatve do naslednjih teles oziroma terjatve ali pogojne terjatve , ki jih v celoti, brezpogojno in nepreklicno jamčijo naslednja telesa:
Paragraph 1 shall not apply when the securitised exposures are claims or contingent claims on or wholly, unconditionally and irrevocably guaranteed by:
(a) centralne ravni države ali centralne banke;
(a) central governments or central banks;
(b) regionalne vlade, lokalni organi in subjekti javnega sektorja držav članic;
(b) regional governments, local authorities and public sector entities of Member States;
(b) institucije s stopnjo kreditne kvalitete 3 ali več v skladu s točko 29 dela 1 Priloge VI in
(b) institutions to which a credit quality step of 3 or better applies according to Annex VI, Part 1, point 29 ; and
(c) institucije , ki jim je dodeljena 50-odstotna ali manjša utež tveganja v skladu s členi 78 do 83 ; ter
(c) institutions to which a 50 % risk weight or less is assigned under Articles 78 to 83 ; and
(c) multilateralne razvojne banke.
(c) multilateral development banks.
(d) multilateralne razvojne banke.
(d) multilateral development banks.
Odstavek 1 se ne uporablja za konzorcijska posojila ali zamenjavo plačil, če se ti instrumenti ne uporabljajo za združevanje ali varovanje obveznosti iz odstavka 1.
Paragraph 1 shall not apply either to syndicated loans or credit default swaps where these instruments are not used to package and/or hedge an obligation that is covered by paragraph 1.