natgillin/translations-raw huggingface dataset:
Zakonodajalcev za področje bonitetnih zadev ni spoznala za krive za nepravilnosti v obdobju od 1999 do 2000.
She does not find prudential regulators guilty of maladministration in the period from 1999 to 2000.
§ Junij 2003: Družba Equitable Life je 16 000 zavarovancem s policami brez zajamčenih rent, ki so odšli pred odškodninsko shemo, ponudila odškodnino do 5 % vrednosti njihovih polic.
§ June 2003: Equitable Life offers 16,000 non-GAR policyholders who left before the Compromise Scheme, compensation of up to 5% of their policy value.
§ Julij 2003: Drugostopenjsko sodišče je odločilo, da lahko družba Equitable Life toži računovodje svoje nekdanje revizorske družbe Ernst & Young, če bo odškodninski zahtevek omejila na „manjše priložnosti prodaje“ (družbe) in ne na dejanske manjše prodaje.
§ July 2003: The Court of Appeal rules that Equitable Life is allowed to sue its former auditor, accountants Ernst & Young, provided that it restricts the claim to damages for the "loss of the chance of sales" (of the company) rather than actual loss of sales.
§ Oktober 2003: Prošnja nekdanjega neizvršnega direktorja za črtanje zahtevkov proti njim je zavrnjena.
§ October 2003: The former non-executive directors' application to strike out the claim against them is dismissed.
§ Marec 2004: Objavljeno je bilo poročilo lorda Penrosa.
§ March 2004: The Penrose report is published.
Po objavi poročila je vlada zavrnila izplačevanje odškodnine, poslanci pa so jo obtožili „opustitve“.
Following the report's publication the government rules out compensation and is accused of "abandonment" by MPs.
§ Junij 2004: Christopherju Headdonu, nekdanjemu izvršnemu direktorju družbe Equitable Life, so prepovedali, da v naslednjih šestih letih zasede mesta v kateri koli družbi, ki jo pravno ureja Organ za finančne storitve.
§ June 2004: Christopher Headdon, Equitable's former chief executive, is banned from holding a management role at any company regulated by the Financial Services Authority for the next six years.
§ 15. julij 2004: Arthur White je poslal prvo peticijo na Odbor Evropskega parlamenta za peticije.
§ 15 July 2004: Arthur White sends 1st petition to the Petitions committee of the EP
§ 6. december 2004: Akcijska skupina EMAG je poslala drugo peticijo na Odbor Evropskega parlamenta za peticije.
§ 6 December 2004: Emag sends 2nd petition to the Petitions committee of the EP
Zadeva se je nadaljevala do poletnega premora.
The case continues until the summer break.
§ September 2005: Dosežen je bil dogovor v zvezi z odškodninskim zahtevkom družbe Equitable Life zoper njene nekdanje revizorje.
§ September 2005: Equitable's claim against its former auditors is settled.
§ September 2005: Varuh človekovih pravic je poslal memorandum na Odbor Evropskega parlamenta za peticije.
§ September 2005: UK Ombudsmans sends memorandum to EP petitions committee.
§ 18. januar 2006: Evropski parlament se je odločil, da bo ustanovil preiskovalni odbor.
§ 18 January 2006 EP takes decision to start EQUI committee
§ 2. februar 2006: Ustanovna seja preiskovalnega odbora.
§ 2 February 2006 EQUI committee constituent meeting
§ 8. maj 2007: preiskovalni odbor sprejme končno poročilo.
§ 8 May 2007 EQUI committee adopts final report.
PRILOGA 2: GLOSAR POSEBNIH IZRAZOV DRUŽBE EQUITABLE LIFE
ANNEX 2: GLOSSARY OF SPECIALIZED EQUI TERMS
Krajša verzija glosarja iz Penrosovega poročila z nekaterimi dodatki.
Abridged version of glossary in the Penrose report, with some additions.
POSEBNIH IZRAZOV DRUŽBE EQUITABLE LIFE
OF SPECIALIZED EQUI TERMS
§ ABI: združenje britanskih zavarovalnic (Association of British Insurers)
§ ABI: Association of British Insurers.
§ Aktuar: strokovnjak za matematiko zavarovalnice, ki izračunava stopnje, rezerve, dividende in drugo statistiko.
§ Actuary: A specialist in the mathematics of insurance who calculates rates, reserves, dividends and other statistics.
§ Aktuarsko potrdilo: potrdilo, ki ga zagotovi imenovani aktuar zavarovalnice.
§ Actuary's certificate: A certificate provided by the appointed actuary of a life office.
§ Sprejemljive naložbe: sredstva, ki jih je mogoče upoštevati pri zahtevah solventnosti družbe, ovrednotenih v smislu veljavnih predpisov.
§ Admissible assets : Asset that can be taken into account for the purposes of a firm's solvency requirements valued in terms of applicable regulations.
§ Renta: dogovor z zavarovalnico o periodičnih plačilih zavarovancem do konca njihovega življenja ali za določeno obdobje.
§ Annuity: An agreement by an insurer to make periodic payments that continue during the survival of the annuitant(s) or for a specified period.
§ Rentnik: posameznik, ki je kupil rentno polico in bo prejemal plačila iz te rente.
§ Annuitant: An individual who purchases an annuity and will receive payments from that annuity.
Na podlagi njihove pričakovane življenjske dobe se izračuna višina zneska rente.
His life expectancy is used to calculate the income payment amount on the annuity.
§ AVC: dodaten prostovoljni prispevek (Additional Voluntary Contribution): prostovoljno plačilo v poklicno pokojninsko shemo delodajalca.
§ AVC: Additional Voluntary Contribution: a payment on a voluntary basis into an employer's occupational pension scheme.
§ BaFin: nemški zakonodajalec na področju finančnih storitev (Bundesamt für Finanzdienstleistungsaufsicht).
§ BaFin: Bundesamt für Finanzdienstleistungsaufsicht, the German Financial Services Authority.
§ BIA: združenje britanskih zavarovalnic (British Insurers Association), ki se pozneje preimenovalo v ABI.
§ BIA: British Insurers Association (which became the ABI).
§ Računi, določeni z zakonom o gospodarskih družbah: predpisani računi, pripravljeni v skladu z računovodskimi zahtevami Zakona Združenega kraljestva o gospodarskih družbah.
§ Companies Act accounts : Statutory accounts prepared in accordance with the UK Companies Act accounting requirements.
§ Odškodninska shema : shema za odškodnino med družbo in njenimi upniki ali katero koli njihovo kategorijo.
§ Compromise Scheme : A scheme for compromise between a company and its creditors, or any class of them.
§ Ureditev poslovanja : ureditev, povezana s postopki prodaje v družbi.
§ Conduct of Business (C.O.B.) regulation : Regulation relating to the sales processes of the company.
§ Corleyevo poročilo : poročilo Corleyevega preiskovalnega odbora v zvezi z družbo Equitable Life Assurance Society (ki ga je objavila Fakulteta za aktuarstvo septembra 2001).
§ Corley Report : Report of the Corley Committee of Inquiry regarding The Equitable Life Assurance Society (published by the Faculty and Institute of Actuaries in September 2001).
§ DTI: Ministrstvo za trgovino in industrijo (Department of Trade and Industry).
§ DTI: Department of Trade and Industry.
Prej Odbor za trgovino in Ministrstvo za trgovino.
Formerly Board of Trade and Department for Trade.
Do leta 1970 v rokah je bil za urejanje tega področja odgovorno Odbor za trgovino, od leta 1979 do leta 1974 Ministrstvo za trgovino in industrijo, od leta1974 do 1983 Ministrstvo za trgovino, od leta 1983 pa Ministrstva za trgovino in industrijo, do prenosa funkcij Ministrstva za gospodarstvo in finančne zadeve 1. januarja 1999.
Responsibility for regulation rested with the Board of Trade up to 1970, the Department of Trade & Industry 1970-74, the Department of Trade 1974-83, the Department of Trade & Industry from 1983 to transfer of functions to HM Treasury on 1 January 1999.
§ Časovno odloženi nabavni stroški : stroški poslovanja zavarovalnic v zvezi s pogodbami, ki veljajo na dan bilance stanja.
§ Deferred Acquisition Costs : Costs of writing insurance business relating to contracts in-force at the balance sheet date.
§ Odložene rente : renta, ki bo zavarovancu zagotavljala reden prihodek do konca njegovega življenja, potem ko doseže določeno starost.
§ Deferred Annuity : An annuity that will provide a policyholder with regular income over the policyholder's lifetime after a specified age has been reached.
§ Direktorjevo potrdilo : potrdilo, ki so ga direktorji življenjskih zavarovalnic zagotovili v okviru Priloge 6 k predpisom o zavarovalnicah (Izkazi in izjave) iz leta 1996.
§ Director's Certificate : A certificate provided by the directors of a life office in terms of Schedule 6 to the Insurance Companies (Accounts and Statements) Regulations 1996.
§ DTBP : polica z diferenciranimi terminalnimi bonusi (Differential Terminal Bonus Policy).
§ DTBP : Differential Terminal Bonus Policy.
§ ELAS ali ELS: akronim za družbo Equitable Life Assurance Society.
§ ELAS or ELS: Acronym for the Equitable Life Assurance Society.
§ EQUI: preiskovalni odbor Evropskega parlamenta o propadu družbe ELAS.
§ EQUI: European Parliament's Committee of inquiry into the collapse of ELAS.
§ Sredstva ali prosta sredstva: bilanca sprejemljivih sredstev glede na matematične rezervacije, ki so bila izvzeta iz razdelitve bonusov zavarovancem z življenjskim zavarovanjem s klavzulo o soudeležbi pri dobičku, za blažitev večjih nihanj vrednosti naložb, praks glede zavarovalnih pogodb ali stroškov uprave.
§ Estate or Free Estate: The balance of admissible assets over mathematical reserves held back from bonus distribution to with profits policyholders as a buffer against major fluctuations in investment values or in underwriting experience or in central costs of administration.
§ Fakulteta za aktuarstvo: vodilni organ za škotske aktuarje.
§ Faculty of Actuaries : The governing body for Scottish actuaries.
§ Prilagoditev končne rente : izraz, ki ga je uporabljala družba Equitable Lif od začetka 60. let 20. stoletja in pomeni dodeljevanje dodatka k pogodbi o odloženi renti ob dospelosti, da bi bil znesek rente, ki se prejme, če se pri polici uporabi zajamčena renta, enak, kot če bi se tekoča zajamčena renta uporabila za prihodek pred dodajanjem bonusa.
§ Final annuity adjustment : An Equitable Life phrase from the early 1960s denoting the granting of a supplement to a deferred annuity contract at maturity so that the amount of annuity received by applying the GAR to the policy proceeds was the same as would have been obtained if the current annuity rate had been applied to the proceeds before adding the bonus.
§ Obrazec 9: pregled splošnih in dolgoročnih poslovnih sredstev, dodeljenih za zahtevane najnižje stopnje, s čimer se prikaže predpisana solventnost družbe.
§ Form 9 : A summary of the general business and long-term business assets allocated towards the relevant required minimum margin thus showing the company's regulatory solvency position.
§ FOS: služba finančnega varuha človekovih pravic Združenega kraljestva (Financial Ombudsman Service).
§ FOS: the UK's Financial Ombudsman Service.
§ FSA: organ za finančne storitve (Financial Services Authority).
§ FSA: Financial Services Authority.
To je agencija, ki se je prej imenovala Securities & Investments Board, in je odgovorna za urejanje nekaterih finančnih storitev (in za priznanje samoupravnih organizaciji) v skladu z Zakonom o finančnih storitvah iz leta 1986.
Previously the Securities & Investments Board, the Authority was the agency responsible for regulation of some financial services (and recognition of self-regulating organisations) under the Financial Services Act 1986.
Odgovornost za zakonodajno ureditev zavarovalništva je prevzela 1. januarja 1999.
It assumed delegated responsibility for insurance regulation in January 1999.
Od 1. decembra 2001 je imel Organ za finančne storitve predpisano odgovornost za urejanje finančnih storitev v skladu z določbami Zakona o finančnih storitvah in trgu iz leta 2000.
Since 1 December 2001 FSA has had statutory responsibility for financial services regulation under the provisions of the Financial Services and Markets Act 2000.
§ FSMA: zakon o finančnih storitvah in trgu iz leta 2000 (The Financial Services and Markets Act 2000).
§ FSMA: The Financial Services and Markets Act 2000.
§ Implicitna postavka prihodnjih dobičkov: postavka, ki se lahko v nekem obsegu upošteva za doseganje zahtevanega najnižjega kapitala družbe v zvezi z dolgoročnim poslovanjem po presoji zakonodajalca.
§ Future profit implicit item: Item that can be counted, within certain limits, towards meeting a company's RMM in respect of its long-term business at the discretion of the regulator.
Ta postavka omogoča zavarovalnicam, da izkoristijo razlike v matematičnih rezervacijah v takšnem obsegu, kot naj bi se uresničile v prihodnjih poslih.
This item allows insurers to take credit for margins in mathematical reserves to the extent that they are expected to emerge in the future from in-force business.
§ GAD: vladni oddelek za zavarovalniško statistiko (Government Actuaries Department).
§ GAD: Government Actuaries Department.
Centralni vladni organ, ki zaposluje vse aktuarje v vladni službi, katerih naloge vključujejo med drugim pregled regulativnih poročil in aktuarsko svetovanje zakonodajalcem na področju bonitetnih ureditev glede zavarovalništva (Ministrstvo za trgovino in industrijo, Ministrstvo za gospodarstvo in finančne zadeve in Organ za finančne storitve).
Central government body employing all actuaries in the government service, amongst whose duties has been the review of regulatory returns and actuarial advice to the prudential regulators for insurance (DTI, HM Treasury and FSA).
§ GAR : zajamčena renta (Guaranteed Annuity Rate).
§ GAR : Guaranteed Annuity Rate.
§ GIR : zajamčena obrestna mera (Guaranteed Interest Rate) ali zagotovljen donos iz naložb (Guaranteed Investment Return), tj. zajamčena vsota povečanja osnovnih prejemkov vsako leto pred dodatkom prihodnjega (določenega) bonusa.
§ GIR : Guaranteed Interest Rate (or Guaranteed Investment Return), an amount by which basic benefits are guaranteed to increase each year before the addition of reversionary (declared) bonus.
Družba jo je sprva določila na 2,5 % na leto za pokojninske rente, pozneje jo je zvišala na 3 %, oktobra 1975 pa na 3,5 % na leto.
Originally set by the Society at 2½% per annum on its RAP business, this was raised to 3%, and then in October 1975 to 3½% per annum.
Izvzeta je bila iz novih pokojninskih polic, ki so bile sklenjene po 30. juniju 1996.
Removed from new pension policies taken out after 30 June 1996.
§ GMT: skupina za splošno vodenje (General Management Team).
§ GMT: General Management Team.
§ Vladni aktuar : vodja vladnega oddelka za zavarovalniško statistiko.
§ Government Actuary : Head of GAD.
§ Skrite rezerve: rezerve, ki nastanejo zaradi prenizke ocene sredstev ali previsoke ocene obveznosti.
§ Hidden Reserves: Reserves resulting from the underestimation of assets and overestimation of liabilities.
§ HMT : Ministrstvo za gospodarstvo in finančne zadeve (Her Majesty's Treasury).
§ HMT : Her Majesty's Treasury.
Politično odgovornost za finančne storitve je prevzelo leta 1992, odgovornost za zakonodajno urejanje zavarovalništva pa leta 1998.
Assumed policy responsibility for financial services from 1992 and responsibility for insurance regulation from 1998.
§ IB-PIA: oddelek za zavarovalništvo Organa za zasebne naložbe (Personal Investment Authority Insurance Business Division), tj. oddelek Organa za finančne storitve, ki je prevzel regulativne odgovornosti Organa za zasebne naložbe do ustanovitve enotnega zakonodajalca za finančne storitve v skladu z Zakonom o finančnih storitvah in trgu iz leta 2000.
§ IB-PIA: Personal Investment Authority Insurance Business Division, a division of FSA that undertook regulatory responsibilities for PIA pending creation of the single financial services regulator under the Financial Services & Markets Act 2000.
§ IFA : neodvisni finančni svetovalec (Independent Financial Adviser).
§ IFA : Independent Financial Adviser.
§ IMRO : regulativna organizacija upravnikov z naložbami (Investment Managers Regulatory Organisation).
§ IMRO : The Investment Managers Regulatory Organisation.
§ Inštitut za aktuarstvo : vodilni organ za angleške aktuarje.
§ Institute of Actuaries : The governing body for English actuaries.
§ Razlika v obrestnih merah: razlika med predvideno bruto bonusno stopnjo in stopnjo za zniževanje obveznosti, ki jo je družba Equitable Life uvedla v svoje vrednotenje obveznosti od leta 1990 do 1997.
§ Interest rate differential: Differential between assumed gross bonus rate and rate for discounting liabilities introduced by Society into its liability valuation from 1990 to 1997.
§ LAUTRO : regulativna organizacija za življenjsko zavarovanje in naložbene sklade (Life Assurance and Unit Trusts Regulatory Organisation).
§ LAUTRO : Life Assurance and Unit Trusts Regulatory Organisation.
§ MVA ali MVR : prilagoditev tržne vrednosti (Market Value Adjustment) ali znižanje tržne vrednosti (Market Value Reduction), ki jo je družba Equitable Life uporabila za znižanje vrednosti polic pri nepogodbenih zahtevkih.
§ MVA or MVR : Market Value Adjustment or Market Value Reduction applied by Equitable on non-contractual claims to reduce policy values.
§ Matematične rezervacije: obveznosti sklada za zavarovanje za regulativne namene, izračunane glede na tekočo vrednost prihodnjih predvidevanj o dobičku, stroških in donosu od obresti.
§ Mathematical reserves: Insurance fund liabilities for regulatory purposes calculated with reference to the present value of future expectations of income, expense and investment yield.
§ Dospelost: določena točka, razen smrti, od katere se v skladu s pogodbo izplačajo prejemki iz police.
§ Maturity: The point, other than on death, from which policy benefits become contractually payable.
§ Tabela o umrljivosti : seznam po letih o verjetni umrljivosti skupine podobnih ljudi, ki temelji na dejanskih preteklih izkušnjah.
§ Mortality Table : A listings by age of the probable death rates of a similar group of people, based on actual past experience.
§ Vzajemna življenjska zavarovalnica : zavarovalnica, ki je v lasti svojih zavarovancev in ne delničarjev.
§ Mutual Life Office : A life insurance company owned by its policyholders rather than by shareholders.
Sodelujoči zavarovanci prejmejo del dobička zavarovalnice v obliki bonusov, ki se uporabijo za njihove police.
Participating policyholders receive a share of the profits earned by the office, in the form of bonuses applied to their respective policies.
§ Brez zajamčene rente: katera koli pogodba družbe Equitable Life pogodb s klavzulo o soudeležbi pri dobičku zavarovalnice, ki ni vključevala zajamčene rente.
§ Non-GAR : Any Equitable with-profits contract that did not contain an annuity guarantee or GAR.
Ko rentnik postane upravičen do izplačila, prejme letni prihodek, ki je izračunan na podlagi tekoče rente zavarovalnice glede na osnovno tržno stopnjo s stalno obrestno mero.
Upon vesting, the annuitant receives an annual income derived by using the insurer's current annuity rate, which will be derived by reference to underlying market rates for fixed interest securities.
§ Osiromašena sredstva : na splošno so to sredstva, ki so v lasti finančne institucije, in se deponentom ali vlagateljem ne pripišejo takoj.
§ Orphan assets : In general terms, assets held by a financial institution that are not immediately attributable to a depositor or investor.
Pri pokojninskih skladih in skladih za življenjsko zavarovanje se izraz na splošno uporablja za opis sredstev, ki presegajo pričakovane obveznosti.
In pension and life funds the term is used loosely to describe those assets held in excess of the expected liabilities.
§ Penrosovo poročilo : poročilo, ki ga je izdelal Lord Penrose v zvezi z družbo Equitable Life.
§ Penrose report : report undertaken by Lord Penrose on the ELS affair.
§ Varuh za človekove pravice Organa za zasebne naložbe : neodvisna agencija za obravnavo pritožb vlagateljev v zvezi z družbami, ki jih je urejal Organ za zasebne naložbe.
§ PIA Ombudsman : The independent complaints handling agency for resolving complaints by investors against firms which were regulated by the PIA.
§ PIA: Organ za zasebne naložbe (Personal Investment Authority).
§ PIA: Personal Investment Authority.
Samoupravna organizacija, ki jo je priznala družba Securities & Investments Board (pozneje Organ za finančne zadeve) v skladu z Zakonom o finančnih storitvah iz leta 1986.
A self-regulating organisation recognised by the SIB (later FSA) under the Financial Services Act 1986.
§ Pregled Organa za zasebne naložbe: pregled zlorab pri prodaji osebnih pokojnin v obdobju med 29. aprilom 1988 in 30. junijem 1994.
§ PIA Review: A review on the mis-selling of personal pensions for the period 29 April 1988 to 30 June 1994.
§ PPFM: načela in praksa finančnega poslovodenja (Principles and Practice of Financial Management).
§ PPFM: Principles and Practice of Financial Management.
Dokument, ki opisuje politiko poslovodenja sklada za življenjsko zavarovanje s klavzulo o soudeležbi pri dobičku zavarovalnic, ki naj bi ga pripravile zavarovalnice na zahtevo Organa za finančne storitve.
Document describing policy for management of with-profits business which FSA now requires life offices to prepare.
§ Polica: dokument, ki določa pogoje zavarovalne pogodbe.
§ Policy Document : A document that sets out the terms and conditions of the insurance contract.
§ Zavarovanec: oseba, ki je zakonit imetnik police za zavarovanje pogodbe, sklenjene z zavarovalnico.
§ Policyholder: The person who is the legal holder of the policy for securing the contract with the insurance company.
§ Vrednost police: celotna tekoča vrednost police.
§ Policy Value: The full current value of the policy.
Vrednost pripadajoče police vključuje vrednost bonusov ob predvidevanju, da bo polica veljala do dospelosti.
The value of a participating policy will include the value of bonuses assuming the policy will continue until maturity has been reached.
Ta ni enaka denarni vrednosti.
This is not the same as the cash value.
§ PRE: razumna pričakovanja zavarovancev (Policyholders Reasonable Expectations).
§ PRE: Policyholders Reasonable Expectations.
Vključena so v Zakon o zavarovalnicah (sprememba) iz leta 1973.
Introduced in the Insurance Companies (Amendment) Act 1973.
Zadevajo dodelitev pooblastil za zaščito zavarovancev za primer tveganja, da družba ne bo mogla izpolniti razumnih pričakovanj zavarovancev.
Powers were bestowed to protect policyholders against the risk of a company's inability to fulfil the reasonable expectations of a policyholder.
§ Bonitetna ureditev : ureditev, ki zadeva splošno solventnostjo družbe.
§ Prudential regulation : Regulation concerning itself with the overall solvency of the company.
§ Navidezna Zillmerjeva prilagoditev : spremenjena Zillmerjeva tehnika, ki jo je sprejela družba Equitable Life v zvezi z njenim regulativnim vrednotenjem.
§ Quasi-Zillmer Adjustment : A modified Zillmerisation technique adopted by the Society with respect to their regulatory valuation.
§ Shema za rektifikacijo : shema za plačila odškodnin nekdanjim zavarovancem, ki jo je družba Equitable Life uvedla kot odgovor na odločitev Hyman.
§ Rectification Scheme : Scheme for compensating former policyholders introduced by the Society in response to the Hyman decision.
§ Preskus prožnosti: zahteva, da je preudarna določba oblikovana na podlagi učinkov morebitnih prihodnjih sprememb v vrednosti sredstev, če lahko ta sredstva izpolnijo svoje obveznosti.
§ Resilience Test: A requirement for prudent provision to be made against the effects of possible future changes in the value of assets on the adequacy of these assets to meet liabilities.
Rezerve, ki se zahtevajo, da je preskus prožnosti opravljen, so znane kot prožne rezerve.
The reserves required to satisfy the resilience test are known as the resilience reserves.
§ RMM: zahtevani minimalni kapital (Required Minimum Margin of Solvency).
§ RMM: Required Minimum Margin of Solvency.
§ RSP: periodične enkratne premije (Recurrent Single Premium).
§ RSP: Recurrent Single Premium.
Zadevajo pogodbe, za katere niso bila potrebna redna izplačila premij.
Refers to contracts that did not require regular policy premiums to be paid.
§ Predpisana ali zahtevana solventnost : finančni položaj zavarovalnice, katere sprejemljiva sredstva presegajo njene obveznosti, vključno z matematičnimi rezervami.
§ Regulatory or Required Solvency : The financial status of an insurance company whose admissible assets exceed their liabilities including mathematical reserves.