natgillin/translations-raw huggingface dataset:
Pri uporabi zunanjih ocen in lastnih ocen ter notranjih bonitetnih ocen kreditnih institucij je treba upoštevati, da le slednje izdela subjekt – finančna institucija sama –, za katerega velja postopek odobritve Skupnosti.
With regard to the use of both external and an institution's own estimates or internal ratings, account should be taken of the fact that, at present, only the latter are drawn up by an entity – the financial institution itself – which is subject to a Community authorisation process.
V primeru zunanjih bonitetnih ocen se uporabijo izdelki tako imenovanih priznanih bonitetnih institucij, za katere trenutno v Skupnosti ne velja takšen postopek odobritve.
In the case of external ratings use is made of the products of what are known as recognised rating agencies, which in the Community are not currently subject to an authorisation process.
Zaradi velikega pomena zunanjih bonitetnih ocen za izračun kapitalskih zahtev v okviru te direktive, bo treba vseskozi pregledovati ustrezne bodoče postopke odobritve in nadzora omenjenih bonitetnih institucij.
In view of the importance of external ratings in connection with the calculation of capital requirements under this Directive, appropriate future authorisation and supervisory process for rating agencies need to be kept under review.
Minimalne kapitalske zahteve bi morale biti sorazmerne s tveganji, ki jih obravnavajo.
The minimum capital requirements should be proportionate to the risks addressed.
V zahtevah bi se moralo obravnavati zlasti zmanjševanje ravni tveganja, ki je posledica velikega števila sorazmerno majhnih izpostavljenosti.
In particular the reduction in risk levels deriving from having a large number of relatively small exposures should be reflected in the requirements.
Določbe te direktive spoštujejo načelo sorazmernosti, ker upoštevajo zlasti razlike med kreditnimi institucijami glede njihove velikosti, obsega opravljenih poslov in njihovega področja dejavnosti.
The provisions of this Directive respect the principle of proportionality, having regard in particular to the diversity in size and scale of operations and to the range of activities of credit institutions.
Spoštovanje načela sorazmernosti pomeni tudi, da so za ugotavljanje izpostavljenosti majhnih dolžnikov priznani najenostavnejši možni bonitetni postopki, tudi v okviru pristopa na osnovi notranjih bonitetnih ocen ("pristop IRB").
Respect of the principle of proportionality also means that the simplest possible rating procedures, even in the Internal Ratings Based Approach ("IRB Approach"), are recognised for retail exposures.
"Razvojni" značaj te direktive omogoča kreditnim institucijam, da izbirajo med tremi pristopi z različno kompleksnostjo.
The "evolutionary" nature of this Directive enables credit institutions to choose amongst three approaches of varying complexity.
Da bi zlasti manjšim kreditnim institucijam omogočili odločitev za bolj tvegan pristop IRB, bi morali pristojni organi izvajati določbe iz člena 89(1)(a) in (b), kadar koli je to ustrezno.
In order to allow especially small credit institutions to opt for the more risk-sensitive IRB Approach, the competent authorities should implement the provisions of Article 89(1)(a) and (b) whenever appropriate.
Te določbe bi si bilo treba v celotni direktivi razlagati tako, da kategorije izpostavljenosti iz člena 86(1)(a) in (b) vključujejo vse izpostavljenosti, ki so jim neposredno ali posredno enakovredne.
Those provisions should be read as such that exposure classes referred to in Article 86(1)(a) and (b) include all exposures that are, directly or indirectly, put on a par with them throughout this Directive.
Na splošno velja, da pristojni organi ne bi smeli razlikovati med tremi pristopi glede regulativnega nadzora, to pomeni, da za kreditne institucije, ki so se odločile za standardizirani pristop, ne smejo veljati strožja pravila samo zaradi tega razloga.
As a general rule, the competent authorities should not discriminate between the three approaches with regard to the Supervisory Review Process, i.e. credit institutions operating according to the provisions of the Standardised Approach should not for that reason alone be supervised on a stricter basis.
Večje priznavanje bi moralo biti namenjeno tehnikam zmanjševanja kreditnega tveganja v okviru pravil, pripravljenih z namenom, da neprimerno priznavanje ne bi ogrozilo solventnosti.
Increased recognition should be given to techniques of credit risk mitigation within a framework of rules designed to ensure that solvency is not undermined by undue recognition.
Kadar koli je to mogoče, bi bilo treba pri standardiziranem pristopu, pa tudi pri drugih pristopih, upoštevati relevantne običajne bančne garancije za zmanjševanje kreditnih tveganj, ki so trenutno uveljavljene v državah članicah.
The relevant Member States' current customary banking collateral for mitigating credit risks should wherever possible be recognised in the Standardised Approach, but also in the other approaches.
Da bi zagotovili, da se tveganja in zmanjševanja tveganj, ki so posledica dejavnosti listinjenja in naložb kreditnih institucij, ustrezno prikazujejo v minimalnih kapitalskih zahtevah kreditnih institucij, je treba vključiti pravila, ki predvidevajo obravnavo takih dejavnosti in naložb, ki je občutljiva na tveganja in bonitetno trdna.
In order to ensure that the risks and risk reductions arising from credit institutions' securitisation activities and investments are appropriately reflected in the minimum capital requirements of credit institutions it is necessary to include rules providing for a risk-sensitive and prudentially sound treatment of such activities and investments.
Operativno tveganje je pomembno tveganje, s katerim se soočajo kreditne institucije, in zahteva kritje z lastnimi sredstvi.
Operational risk is a significant risk faced by credit institutions requiring coverage by own funds.
V tem smislu bi bilo treba posebno pozornost nameniti upoštevanju zavarovanj v posameznih pristopih za izračun kapitalskih zahtev za operativno tveganje.
Particular attention should be paid in this regard to taking insurance into account in the simple approaches to calculating capital requirements for operational risk.
Da bi zagotovili ustrezno solventnost kreditnih institucij v skupini, je nujno potrebno, da se minimalne kapitalske zahteve uporabljajo na podlagi konsolidiranega finančnega stanja skupine.
In order to ensure adequate solvency of credit institutions within a group it is essential that the minimum capital requirements apply on the basis of the consolidated financial situation of the group.
Da bi zagotovili primerno razporeditev lastnih sredstev znotraj skupine in njihovo razpoložljivost za varovanje prihrankov, kjer je potrebno, bi se minimalne kapitalske zahteve morale uporabljati za posamezne kreditne institucije v skupini, razen če je ta cilj mogoče učinkovito doseči drugače.
In order to ensure that own funds are appropriately distributed within the group and available to protect savings where needed, the minimum capital requirements should apply to individual credit institutions within a group, unless this objective can be effectively otherwise achieved.
Osnovna pravila za spremljanje velikih izpostavljenosti kreditnih institucij bi bilo treba uskladiti.
The essential rules for monitoring large exposures of credit institutions should be harmonised.
Države članice bi morale kljub vsemu imeti možnost sprejeti strožje določbe od teh, ki jih predvideva ta direktiva.
Member States should still be able to adopt provisions more stringent than those provided for by this Directive.
Spremljanje in kontrola izpostavljenosti kreditne institucije bi morala biti sestavni del nadzora nad njo.
The monitoring and control of a credit institution's exposures should be an integral Part of its supervision.
Zato lahko čezmerne koncentracije izpostavljenosti do posamezne osebe ali skupine povezanih oseb povzročijo nesprejemljivo tveganje nastanka izgub.
Therefore, excessive concentration of exposures to a single client or group of connected clients may result in an unacceptable risk of loss.
Za tako stanje velja, da lahko neugodno vpliva na solventnost kreditne institucije.
Such a situation can be considered prejudicial to the solvency of a credit institution.
Ker kreditne institucije na notranjem trgu neposredno konkurirajo, bi morale biti zahteve glede spremljanja enake po vsej Skupnosti.
Since credit institutions in the internal market are engaged in direct competition, monitoring requirements should be equivalent throughout the Community.
Medtem ko je primerno, da opredelitev izpostavljenosti za namene omejevanja velikih izpostavljenosti temelji na opredelitvi, navedeni za namene zahtev po minimalnih lastnih sredstvih za kreditna tveganja, pa načelno ni primerno sklicevanje na uteži ali stopnje tveganja.
While it is appropriate to base the definition of exposures for the purposes of limits to large exposures on that provided for the purposes of minimum own funds requirements for credit risk, it is not appropriate to refer on principle to the weightings or degrees of risk.
Te uteži in stopnje tveganja so bile postavljene zaradi določitve splošnih zahtev po stopnjah solventnosti, potrebnih za pokrivanje kreditnega tveganja kreditnih institucij.
Those weightings and degrees of risk were devised for the purpose of establishing a general solvency requirement to cover the credit risk of credit institutions.
Da bi omejili največjo izgubo, ki jo lahko utrpi kreditna institucija v povezavi z eno samo osebo ali skupino povezanih oseb je primerno sprejeti pravila za določanje velikih izpostavljenosti, ki upoštevajo nominalno vrednost izpostavljenosti brez uporabe uteži ali stopnje tveganja.
In order to limit the maximum loss that a credit institution may incur through any single client or group of connected clients it is appropriate to adopt rules for the determination of large exposures which take account of the nominal value of the exposure without applying weightings or degrees of risk.
Medtem ko je zaželeno, da se v pričakovanju nadaljnjega pregleda določb o velikih izpostavljenostih, dovoli priznavanje učinkov zmanjševanja kreditnega tveganja na način, podoben tistemu, ki je za namene minimalnih kapitalskih zahtev dovoljen za omejevanje zahtev za izračun, so bila pravila za zmanjševanje kreditnega tveganja oblikovana v okviru splošnega raznovrstnega kreditnega tveganja, ki je posledica izpostavljenosti do velikega števila nasprotnih strank.
While it is desirable, pending further review of the large exposures provisions, to permit the recognition of the effects of credit risk mitigation in a manner similar to that permitted for minimum capital requirement purposes in order to limit the calculation requirements, the rules on credit risk mitigation were designed in the context of the general diversified credit risk arising from exposures to a large number of counterparties.
V skladu s tem bi bilo treba za priznavanje učinkov takih tehnik za namene omejitev velikih izpostavljenosti, namenjenih omejevanju največje izgube, ki lahko nastane zaradi ene same osebeali skupine povezanih oseb, uporabljati bonitetne zaščite.
Accordingly, recognition of the effects of such techniques for the purposes of limits to large exposures designed to limit the maximum loss that may be incurred through any single client or group of connected clients should be subject to prudential safeguards.
Kadar v kreditni instituciji nastopi izpostavljenost do njene nadrejene družbe ali do drugih podrejenih družb njene nadrejene družbe, je potrebna še posebna preudarnost.
When a credit institution incurs an exposure to its own parent undertaking or to other subsidiaries of its parent undertaking, particular prudence is necessary.
Upravljanje izpostavljenosti, ki nastanejo v kreditnih institucijah, bi moralo potekati popolnoma avtonomno in v skladu z načeli dobro premišljenega bančnega upravljanja, ne glede na katera koli druga načela.
The management of exposures incurred by credit institutions should be carried out in a fully autonomous manner, in accordance with the principles of sound banking management, without regard to any other considerations.
Če osebe, ki imajo neposreden ali posreden kvalificiran delež v kreditni instituciji, izvajajo svoj vpliv tako, da škoduje dobro premišljenemu in preudarnemu upravljanju te institucije, bi morali pristojni organi sprejeti ustrezne ukrepe, s katerimi prekinejo tako stanje.
Where the influence exercised by persons directly or indirectly holding a qualifying participation in a credit institution is likely to operate to the detriment of the sound and prudent management of that institution, the competent authorities should take appropriate measures to put an end to that situation.
Na področju velikih izpostavljenosti bi bilo treba določiti posebne standarde, vključno s strožjimi omejitvami, za izpostavljenosti, ki jih ima kreditna institucija do drugih v svoji skupini.
In the field of large exposures, specific standards, including more stringent restrictions, should be laid down for exposures incurred by a credit institution to its own group.
Takih standardov pa ni treba izvajati, če je nadrejena družba finančni holding ali kreditna institucija ali kadar so druge podrejene družbe kreditne institucije ali finančne institucije ali podjetja, ki ponujajo pomožne storitve, pod pogojem, da v vseh takih podjetjih poteka nadzor kreditnih institucij na konsolidirani osnovi.
Such standards need not, however be applied where the parent undertaking is a financial holding company or a credit institution or where the other subsidiaries are either credit or financial institutions or undertakings offering ancillary services, provided that all such undertakings are covered by the supervision of the credit institution on a consolidated basis.
Kreditne institucije bi morale zagotoviti notranji kapital, ki je glede na tveganja, katerim so ali bi lahko bile izpostavljene, primeren po količini, kvaliteti in razporeditvi.
Credit institutions should ensure that they have internal capital that, having regard to the risks to which they are or may be exposed, is adequate in quantity, quality and distribution.
V skladu s tem bi morale kreditne institucije vzpostaviti strategije in procese za ocenjevanje in vzdrževanje ustreznosti svojega notranjega kapitala.
Accordingly, credit institutions should have strategies and processes in place for assessing and maintaining the adequacy of their internal capital.
Pristojni organi so se dolžni prepričati, da imajo kreditne institucije dobro organizacijo in ustrezne lastna sredstva, ob upoštevanju tveganj, katerim so ali bi lahko bile kreditne institucije izpostavljene.
Competent authorities have responsibility to be satisfied that credit institutions have good organisation and adequate own funds, having regard to the risks to which the credit institutions are or might be exposed.
Da bi notranji bančni trg učinkovito deloval, bi moral Odbor evropskih bančnih nadzornikov prispevati k dosledni uporabi te direktive in zbliževanju nadzornih praks na celotnem ozemlju Skupnosti, ter vsako leto poročati institucijam Skupnosti o doseženem napredku.
In order for the internal banking market to operate effectively the Committee of European Banking Supervisors should contribute to the consistent application of this Directive and to the convergence of supervisory practices throughout the Community, and should report on a yearly basis to the Community institutions on progress made.
Iz istega razloga ter zato, da se zagotovi, da kreditne institucije Skupnosti, ki so dejavne v več državah članicah, niso nesorazmerno obremenjene zaradi neprekinjenih pristojnosti pristojnih organov posameznih držav članic za izdajanje dovoljenj in za nadzor, je nujno, da se znatno okrepi sodelovanje med pristojnimi organi.
For the same reason, and to ensure that Community credit institutions which are active in several Member States are not disproportionately burdened as a result of the continued responsibilities of individual Member State competent authorities for authorisation and supervision, it is essential to significantly enhance the cooperation between competent authorities.
V tem okviru bi bilo treba okrepiti vlogo konsolidacijskega nadzornika.
In this context, the role of the consolidating supervisor should be strengthened.
Odbor evropskih bančnih nadzornikov bi moral podpirati in spodbujati tako sodelovanje.
The Committee of European Banking Supervisors should support and enhance such cooperation.
Nadzor kreditnih institucij na konsolidirani osnovi je usmerjen predvsem v zaščito interesov vlagateljev kreditnih institucij in v zagotavljanje stabilnosti finančnega sistema.
Supervision of credit institutions on a consolidated basis aims at, in particular, protecting the interests of the depositors of credit institutions and at ensuring the stability of the financial system.
Da bi bil nadzor na konsolidirani osnovi učinkovit, bi torej moral veljati za vse bančne skupine, vključno s tistimi, katerih nadrejene družbe niso kreditne institucije.
In order to be effective, supervision on a consolidated basis should therefore be applied to all banking groups, including those the parent undertakings of which are not credit institutions.
Pristojni organi bi morali razpolagati s potrebnimi pravnimi instrumenti, da lahko izvajajo tak nadzor.
The competent authorities should hold the necessary legal instruments to be able to exercise such supervision.
Pri skupinah z različnimi dejavnostmi, v katerih nadrejene družbe obvladujejo vsaj eno podrejeno družbo, ki je kreditna institucija, bi morali biti pristojni organi sposobni oceniti finančno stanje kreditne institucije v taki skupini.
In the case of groups with diversified activities where parent undertakings control at least one credit institution subsidiary, the competent authorities should be able to assess the financial situation of a credit institution in such a group.
Pristojni organi bi morali imeti na voljo vsaj način, s katerim lahko od vseh podjetij v skupini pridobijo informacije, potrebne za opravljanje svoje funkcije.
The competent authorities should at least have the means of obtaining from all undertakings within a group the information necessary for the performance of their function.
Vzpostaviti bi bilo treba sodelovanje med organi, odgovornimi za nadzor raznih finančnih sektorjev pri skupinah podjetij, ki opravljajo več različnih finančnih dejavnosti.
Cooperation between the authorities responsible for the supervision of different financial sectors should be established in the case of groups of undertakings carrying on a range of financial activities.
Do nadaljnje uskladitve bi morale biti države članice zmožne določiti ustrezne metode konsolidacije za doseganje cilja te direktive.
Pending subsequent coordination, the Member States should be able to lay down appropriate methods of consolidation for the achievement of the objective of this Directive.
Države članice naj imajo možnost, da zavrnejo ali odvzamejo dovoljenje za opravljanje bančnih storitev pri nekaterih strukturah skupin, ki štejejo za neprimerne za opravljanje bančnih dejavnosti, predvsem zato, ker takih struktur ni mogoče učinkovito nadzorovati.
The Member States should be able to refuse or withdraw banking authorisation in the case of certain group structures considered inappropriate for carrying on banking activities, in particular because such structures could not be supervised effectively.
Pri tem naj imajo pristojni organi potrebna pooblastila, da bi zagotovili varno in skrbno upravljanje kreditnih institucij.
In this respect the competent authorities should have the necessary powers to ensure the sound and prudent management of credit institutions.
Da bi notranji bančni trg deloval vedno bolj učinkovito, in da bi bile državljanom Skupnosti zagotovljene ustrezne stopnje preglednosti, je potrebno, da pristojni organi javno in na način, ki omogoča smiselno primerjavo, razkrijejo način izvajanja te direktive.
In order for the internal banking market to operate with increasing effectiveness and for citizens of the Community to be afforded adequate levels of transparency, it is necessary that competent authorities disclose publicly and in a way which allows for meaningful comparison the manner in which this Directive is implemented.
Da bi okrepili tržno disciplino in spodbujali kreditne institucije, naj izboljšujejo svojo tržno strategijo, kontrolo tveganj in notranjo organizacijo uprave, bi bilo treba predvideti primerno javno razkritje kreditnih institucij.
In order to strengthen market discipline and stimulate credit institutions to improve their market strategy, risk control and internal management organization, appropriate public disclosure by credit institutions should be provided for.
Preučitev problemov, povezanih z vprašanji, ki jih ureja ta direktiva in druge direktive o poslovanju kreditnih institucij, zahteva sodelovanje med pristojnimi organi in Komisijo, predvsem kadar poteka zaradi tesnejšega sodelovanja.
The examination of problems connected with matters covered by this Directive, as well as by other Directives on the business of credit institutions, requires cooperation between the competent authorities and the Commission, particularly when conducted with a view to closer coordination.
V resoluciji o izvajanju zakonodaje o finančnih storitvah z dne 5. februarja 2002 UL C 284 E, 21.11.2002, str.
In its resolution of 5 February 2002 on the implementation of financial services legislation OJ C 284 E, 21.11.2002, p.
je Evropski parlament izrazil željo, da bi skupaj s Svetom imela enakovredno vlogo pri nadzoru načina delovanja Komisije kot izvršilnega organa, s čemer bi se odražale zakonodajne pristojnosti Evropskega parlamenta, opredeljene v členu 251 Pogodbe.
the Parliament requested that it and the Council should have an equal role in supervising the way in which the Commission exercises its executive role in order to reflect the legislative powers of Parliament under Article 251 of the Treaty.
V slovesni izjavi, ki jo je istega dne pred Evropskim parlamentom podal njegov predsednik, je Komisija podprla izraženo željo Evropskega parlamenta.
In the solemn declaration made before the Parliament the same day by its President, the Commission supported this request.
Dne 11. decembra 2002 je Komisija predlagala spremembe Sklepa 1999/468/ES, nato pa predložila spremenjen predlog dne 22. aprila 2004.
On 11 December 2002 the Commission proposed amendments to Decision 1999/468/EC , and then submitted an amended proposal on 22 April 2004.
Evropski parlament meni, da njegova zakonodajna pooblastila v tem predlogu niso zagotovljena.
The Parliament does not consider that this proposal preserves its legislative prerogatives.
Evropski parlament meni, da bi skupaj s Svetom morala imeti možnost, da v opredeljenem obdobju opravita oceno prenosa izvedbenih pooblastil na Komisijo.
In the view of the Parliament, it and the Council should have the opportunity of evaluating the conferral of implementing powers on the Commission within a determined period.
Evropski parlament bi moral imeti tri mesece časa od prvega prejema osnutka predlogov sprememb in izvedbenih ukrepov za njihovo preučitev in oblikovanje mnenja.
The Parliament should be given a period of three months from the first transmission of draft amendments and implementing measures to allow it to examine them and to give its opinion.
V nujnih in ustrezno utemeljenih primerih bi bilo možno ta čas skrajšati.
However, in urgent and duly justified cases, it should be possible to shorten this period.
Če pa Evropski parlament v tem času sprejme resolucijo, bi morala Komisija predloge sprememb ali ukrepov ponovno preučiti.
If, within that period, a resolution is adopted by the Parliament, the Commission should re-examine the draft amendments or measures.
Za preprečevanje motenj na trgih in zagotavljanje kontinuitete v skupnih stopnjah lastnih sredstev je primerno, da se predvidijo posebne prehodne ureditve.
In order to avoid disruption to markets and to ensure continuity in overall levels of own funds it is appropriate to provide for specific transitional arrangements.