natgillin/translations-raw huggingface dataset:
Stanovanjske nepremičnine, ki jih ima lastnik ali, v primeru osebnih investicijskih podjetij, upravičeni lastnik v posesti ali jih oddaja ali jih bo imel v posesti ali oddajal, in poslovne nepremičnine, in sicer pisarne in drugi gospodarski objekti, se lahko priznajo kot primerno zavarovanje s premoženjem, če so izpolnjeni naslednji pogoji:
Residential real estate property which is or will be occupied or let by the owner, or the beneficial owner in the case of personal investment companies, and commercial real estate property, that is, offices and other commercial premises, may be recognised as eligible collateral where the following conditions are met:
Ta zahteva ne izključuje okoliščine, ko popolnoma makroekonomski dejavniki vplivajo tako na vrednost nepremičnine kot tudi na izpolnjevanje obveznosti kreditojemalca; in
This requirement does not preclude situations where purely macro-economic factors affect both the value of the property and the performance of the borrower; and
Kreditne institucije lahko kot primerno zavarovanje s premoženjem priznajo tudi delnice v finskih stanovanjsko nepremičninskih družbah, ki poslujejo v skladu s finskim Zakonom o nepremičninskih družbah iz leta 1991 ali naknadno sprejeto enakovredno zakonodajo, nanašajočo se na stanovanjske nepremičnine, ki jih ima posojilojemalec v posesti ali jih oddaja ali jih bo imel v posesti ali oddajal, in jih obravnavajo kot zavarovanje s stanovanjsko nepremičnino, če so ti pogoji izpolnjeni.
Credit institutions may also recognise as eligible collateral shares in Finnish residential housing companies operating in accordance with the Finnish Housing Company Act of 1991 or subsequent equivalent legislation in respect of residential property which is or will be occupied or let by the owner, as residential real estate collateral, provided that these conditions are met.
Pristojni organi lahko svoje kreditne institucije tudi pooblastijo, da kot primerno zavarovanje s premoženjem priznajo delnice v Finskih nepremičninskih družbah, ki poslujejo v skladu s finskim Zakonom o nepremičninskih družbah iz leta 1991 ali naknadno sprejeto enakovredno zakonodajo, in jih obravnavajo kot zavarovanje s poslovno nepremičnino, če so ti pogoji izpolnjeni.
The competent authorities may also authorise their credit institutions to recognise as eligible collateral shares in Finnish housing companies operating in accordance with the Finnish Housing Company Act of 1991 or subsequent equivalent legislation as commercial real estate collateral, provided that these conditions are met.
Pristojni organi lahko opustijo zahtevo, da kreditne institucije izpolnjujejo pogoj (b) iz odstavka 13 za izpostavljenosti, zavarovane s stanovanjskimi nepremičninami, ki se nahajajo na ozemlju njihove države članice, če imajo dokazila, da je zadevni trg dobro razvit in uveljavljen, stopnje izgub pa so dovolj nizke, da to dejanje upravičujejo.
The competent authorities may waive the requirement for their credit institutions to comply with condition (b) in point 13 for exposures secured by residential real estate property situated within the territory of that Member State, if the competent authorities have evidence that the relevant market is well-developed and long-established with loss-rates which are sufficiently low to justify such action.
To pristojnim organom držav članic, ki ne uporabljajo te opustitve, ne preprečuje priznavanja primernosti stanovanjskih nepremičnin, ki so na podlagi opustitve priznane kot primerne v drugi državi članici.
This shall not prevent the competent authorities of a Member State, which do not use this waiver from recognising as eligible residential real estate property recognised as eligible in another Member State by virtue of the waiver.
Države članice javno objavijo uporabo te opustitve.
Member States shall disclose publicly the use they make of this waiver.
Pristojni organi držav članic lahko opustijo zahtevo, da njihove kreditne institucije izpolnjujejo pogoj (b) iz odstavka 13 za poslovne nepremičnine, ki se nahajajo na ozemlju njihove države članice, če imajo dokazila, da je zadevni trg dobro razvit in uveljavljen, stopnje izgub, ki nastajajo zaradi posojil, zavarovanimi s poslovnimi nepremičninami, pa izpolnjujejo naslednje pogoje:
The competent authorities of the Member States may waive the requirement for their credit institutions to comply with the condition in point 13(b) for commercial real estate property situated within the territory of that Member State, if the competent authorities have evidence that the relevant market is well-developed and long-established and that loss-rates stemming from lending secured by commercial real estate property satisfy the following conditions:
izgube iz naslova posojil, zavarovanih z do 50 % tržne vrednosti poslovnih nepremičnin (ali, če je razpoložljivo in če je manj, z do 60 % njihove hipotekarne posojilne vrednosti) v nobenem letu ne presegajo 0,3 % neodplačanih posojil, zavarovanih s poslovnimi nepremičninami; in
losses stemming from loans collateralised by commercial real estate property up to 50% of the market value (or where applicable and if lower 60% of the mortgage-lending-value) do not exceed 0,3% of the outstanding loans collateralised by commercial real estate property in any given year; and
skupne izgube iz naslova posojil, zavarovanih s poslovnimi nepremičninami, v nobenem letu ne presegajo 0,5 % neodplačanih posojil, zavarovanih s poslovnimi nepremičninami.
overall losses stemming from loans collateralised by commercial real estate property do not exceed 0,5% of the outstanding loans collateralised by commercial real estate property in any given year.
Če kateri koli od teh pogojev ni izpolnjen v danem letu, upravičenost do uporabe te obravnave preneha, dokler pogoji niso izpolnjeni v enem od naslednjih let.
If either of these conditions is not satisfied in a given year, the eligibility to use this treatment will cease until the conditions are satisfied in a subsequent year.
Pristojni organi države članice lahko priznajo primernost poslovnih nepremičnin, ki so na podlagi opustitve iz odstavka 17 priznane kot primerne v drugi državi članici.
The competent authorities of a Member State may recognise as eligible collateral commercial real estate property recognised as eligible collateral in another Member State by virtue of the waiver provided for in point 17.
Pristojni organi lahko kot primerno zavarovanje s premoženjem priznajo denarne terjatve, povezane s komercialnimi posli ali posli s prvotno zapadlostjo največ eno leto.
The competent authorities may recognise as eligible collateral amounts receivable linked to a commercial transaction or transactions with an original maturity of less than or equal to one year.
Primerne denarne terjatve ne vključujejo tistih, ki so povezane s sekuritizacijo, podudeležbami ali kreditnimi izvedenimi finančnimi instrumenti ali zneski, ki jih dolgujejo povezaneosebe.
Eligible receivables do not include those associated with securitisations, sub-participations or credit derivatives or amounts owed by affiliated parties.
Pristojni organi lahko kot primerno zavarovanje s premoženjem poleg zavarovanj, ki so navedena v odstavkih 13 do 19, priznajo tudi premičnine, če ugotovijo naslednje:
The competent authorities may recognise as eligible collateral physical items of a type other than those types indicated in points 13 to 19 if satisfied as to the following:
obstoj likvidnih trgov za prodajo teh zavarovanj na hiter in ekonomsko učinkovit način; in
the existence of liquid markets for disposal of the collateral in an expeditious and economically efficient manner; and
obstoj dobro uveljavljenih, javno dostopnih tržnih cen za ta zavarovanja.
the existence of well-established publicly available market prices for the collateral.
Kreditna institucija mora biti tudi sposobna dokazati, da ni dokazov, da bi neto cene, ki jih doseže ob unovčenju teh zavarovanj, znatno odstopale od tržnih cen.
The credit institution must be able to demonstrate that there is no evidence that the net prices it receives when collateral is realised deviates significantly from these market prices.
Ob upoštevanju določb odstavka 72 dela 3, če so izpolnjene zahteve iz odstavka 11 dela 2, se izpostavljenosti iz naslova poslov, s katerimi kreditna institucija daje v zakup stvari tretji stranki, obravnavajo enako kakor posojila, zavarovana s stvarmi, oddanimi v zakup.
Subject to the provisions of Part 3, point 72, where the requirements set out in Part 2, point 11 are met, exposures arising from transactions whereby a credit institution leases property to a third party will be treated the same as loans collateralised by the type of property leased.
Drugo stvarno kreditno zavarovanje
Other funded credit protection
Bančne vloge pri tretji instituciji ali denarju podobni instrumenti, ki jih ima tretja institucija.
Cash on deposit with, or cash assimilated instruments held by, a third party institution.
Bančne vloge ali denarju podobni instrumenti, ki so pri tretji instituciji na neskrbniški pogodbeni osnovi in so zastavljeni posojilni kreditni instituciji, se lahko priznajo kot primerno kreditno zavarovanje.
Cash on deposit with, or cash assimilated instruments held by, a third party institution in a non-custodial arrangement and pledged to the lending credit institution may be recognised as eligible credit protection.
Police življenjskega zavarovanja, zastavljene posojilni kreditni instituciji
Life insurance policies pledged to the lending credit institution
Police življenjskega zavarovanja, zastavljene posojilni kreditni instituciji, se lahko priznajo kot primerno kreditno zavarovanje.
Life insurance policies pledged to the lending credit institution may be recognised as eligible credit protection.
Instrumenti institucij, odkupni na zahtevo
Institution instruments repurchased on request
Instrumenti, ki jih je izdala tretja institucija in jih bo navedena institucija odkupila na zahtevo, se lahko priznajo kot primerno kreditno zavarovanje.
Instruments issued by third party institutions which will be repurchased by that institution on request may be recognised as eligible credit protection.
OSEBNO KREDITNO ZAVAROVANJE
UNFUNDED CREDIT PROTECTION
Primernost izdajateljev zavarovanja v okviru vseh pristopov
Eligibility of protection providers under all approaches
enote centralne ravni držav in centralne banke;
central governments and central banks;
enote regionalne ali lokalne ravni držav;
regional governments or local authorities;
multilateralne razvojne banke;
multilateral development banks;
mednarodne organizacije, izpostavljenosti do katerih na podlagi členov 78 do 83 prejmejo utež tveganja 0 %;
international organisations exposures to which a 0% risk weight under Articles 78 to 83 is assigned;
osebe javnega sektorja, terjatve do katerih pristojni organi na podlagi členov 78 do 83 obravnavajo kakor terjatve do institucij ali centralne ravni držav;
public sector entities, claims on which are treated by the competent authorities as claims on institutions or central governments under Articles 78 to 83;
druge družbe, vključno z družbami, ki so kreditni instituciji nadrejene, podrejene ali so z njo drugače povezane in ki:
other corporate entities, including parent, subsidiary and affiliate corporate entities of the credit institution, that:
imajo bonitetno oceno priznane ECAI, za katero je pristojni organ določil, da se po pravilih za tehtanje tveganja izpostavljenosti do podjetij iz členov 78 do 83 povezuje s stopnjo kreditne kvalitete 2 ali nad njo, in
have a credit assessment by a recognised ECAI which has been determined by the competent authorities to be associated with credit quality step 2 or above under the rules for the risk weighting of exposures to corporates under Articles 78 to 83; and
nimajo bonitetne ocene priznane ECAI, imajo pa interno oceno verjetnosti neplačila, ki ustreza bonitetnim ocenam ECAI, za katere so pristojni organi po pravilih za tehtanje tveganja izpostavljenosti do podjetij v skladu s členi 78 do 83 določili, da se povezuje s stopnjo kreditne kvalitete 2 ali nad njo – v primeru kreditnih institucij, ki zneske tveganjem prilagojenih izpostavljenosti in zneske pričakovanih izgub izračunavajo na podlagi členov 78 do 83.
in the case of credit institutions calculating risk-weighted exposure amounts and expected loss amounts under Articles 84 to 89, do not have a credit assessment by a recognised ECAI and are internally rated as having a PD equivalent to that associated with the credit assessments of ECAIs determined by the competent authorities to be associated with credit quality step 2 or above under the rules for the risk weighting of exposures to corporate under Articles 78 to 83.
Kadar se zneski tveganju prilagojenih izpostavljenosti in zneski pričakovanih izgub izračunavajo v skladu s členi 84 do 89, mora biti izdajatelj osebnega jamstva, da bi veljal za primernega, s strani kreditne institucije notranje bonitetno ocenjen v skladu z določbami dela 4 v Prilogi VII.
Where risk-weighted exposure amounts and expected loss amounts are calculated under Articles 84 to 89, to be eligible a guarantor must be internally rated by the credit institution in accordance with the provisions of Annex VII, Part 4.
Z odstopanjem od odstavka 26 lahko države članice kot primerne izdajateljice osebnega kreditnega zavarovanja priznajo tudi druge finančne institucije, ki so jim dovoljenje izdali in jih nadzorujejo pristojni organi, odgovorni za izdajanje dovoljenj in nadzor kreditnih institucij, ter ki so dolžne spoštovati zahteve glede varnega in skrbnega poslovanja, enakovredne tistim, ki se uporabljajo za kreditne institucije.
By way of derogation from point 26, the Member States may also recognise as eligible providers of unfunded credit protection, other financial institutions authorised and supervised by the competent authorities responsible for the authorisation and supervision of credit institutions and subject to prudential requirements equivalent to those applied to credit institutions.
Primernost izdajateljev zavarovanja po pristopu IRB, ki so upravičeni do obravnave, določene v odstavku 4 dela 1 Priloge VII
Eligibility of protection providers under the IRB Approach which qualify for the treatment set out in Annex VII, Part 1, point 4.
Institucije, zavarovalnice in pozavarovalnice ter izvozne agencije, ki izpolnjujejo naslednje pogoje, se lahko priznajo kot primerni izdajatelji osebnega kreditnega zavarovanja, ki so upravičeni do obravnave, določene v odstavku 4 dela 1 Priloge VII:
Institutions, insurance and reinsurance undertakings and export credit agencies which fulfil the following conditions may be recognised as eligible providers of unfunded credit protection which qualify for the treatment set out in Annex VII, Part 1, point 4:
izdajatelj zavarovanja ima dovolj izkušenj na področju izdajanja osebnih kreditnih zavarovanj;
the protection provider has sufficient expertise in providing unfunded credit protection;
izdajatelj zavarovanja je reguliran na način, ki je enakovreden pravilom, določenim v tej direktivi, ali pa je v času, ko je bilo kreditno zavarovanje izdano, imel kreditno oceno priznane ECAI, za katero so pristojni organi določili, da po pravilih za tehtanje izpostavljenosti do podjetij na podlagi členov 78 do 83 ustreza stopnji kreditne kvalitete 3 ali nad njo;
the protection provider is regulated in a manner equivalent to the rules laid down in this Directive, or had, at the time the credit protection was provided, a credit assessment by a recognised ECAI which had been determined by the competent authorities to be associated with credit quality step 3, or above, under the rules for the risk weighting of exposures to corporate under Articles 78 to 83;
izdajatelj zavarovanja je v času izdaje kreditnega zavarovanja ali v kakršnem koli obdobju po njej imel notranjo bonitetno oceno s PD, ki je enakovreden ali nižji od tistega, ki po pravilih za tehtanje izpostavljenosti do podjetij na podlagi členov 78 do 83 ustreza stopnji kreditne kvalitete 2 ali nad njo;
the protection provider had, at the time the credit protection was provided, or for any period of time thereafter, an internal rating with a PD equivalent to or lower than that associated with credit quality step 2 or above under the rules for the risk weighting of exposures to corporates under Articles 78 to 83; and
izdajatelj ima notranjo bonitetno oceno s PD, ki je enakovreden ali nižji od tistega, ki po pravilih za tehtanje tveganja izpostavljenosti do podjetij na podlagi členov 78 do 83 ustreza stopnji kreditne kvalitete 3 ali nad njo.
the provider has an internal rating with a PD equivalent to or lower than that associated with credit quality step 3 or above under the rules for the risk weighting of exposures to corporates under Articles 78 to 83.
Za namene tega odstavka kreditno zavarovanje, ki ga izdajo izvozne agencije, ni upravičeno do nikakršnega izrecnega posrednega jamstva enot centralne ravni držav.
For the purpose of this point, credit protection provided by export credit agencies shall not benefit from any explicit central government counter-guarantee.
VRSTE KREDITNIH IZVEDENIH FINANČNIH INSTRUMENTOV
TYPES OF CREDIT DERIVATIVES
Kot primerne se lahko priznajo naslednje vrste kreditnih izvedenih finančnih instrumentov in instrumentov, ki so lahko sestavljeni iz takih kreditnih izvedenih finančnih instrumentov ali pa so jim ekonomsko podobni:
The following types of credit derivatives, and instruments that may be composed of such credit derivatives or that are economically effectively similar, may be recognised as eligible:
zamenjave neplačil;
credit default swaps;
zamenjave skupnih donosov; in
total return swaps; and
kreditni zapisi v obsegu, kot so vplačani v denarju.
credit linked notes to the extent of their cash funding.
Če kreditna institucija kupi kreditno zavarovanje z zamenjavo skupnih donosov in knjiži neto plačila, prejeta na podlagi zamenjave kot neto prihodek, hkrati pa ne knjiži nasprotno učinkujočega zmanjšanja vrednosti zavarovane aktive (z zmanjšanjem poštene vrednosti ali z oblikovanjem oslabitev), se kreditno zavarovanje ne prizna.
Where a credit institution buys credit protection through a total return swap and records the net payments received on the swap as net income, but does not record offsetting deterioration in the value of the asset that is protected (either through reductions in fair value or by an addition to reserves), the credit protection shall not be recognised as eligible.
Interno varovanje
Internal hedges
Če kreditna institucija izvaja interno varovanje s pomočjo kreditnih izvedenih finančnih instrumentov, tako da zavaruje kreditno tveganje izpostavljenosti v bančni knjigi s kreditnim izvedenim finančnim instrumentom iz trgovalne knjige, je potrebno, da bi bilo zavarovanje priznano za namene te priloge, kreditno tveganje, preneseno v trgovalno knjigo, prenesti na tretjo stranko ali več tretjih strank.
When a credit institution conducts an internal hedge using a credit derivative – i.e. hedges the credit risk of an exposure in the non-trading book with a credit derivative booked in the trading book – in order for the protection to be recognised as eligible for the purposes of this Annex the credit risk transferred to the trading book shall be transferred out to a third party or parties.
V takih primerih se, ob upoštevanju skladnosti takih prenosov z zahtevami za priznavanje zmanjševanja kreditnega tveganja iz te priloge, uporabljajo pravila za izračun zneskov tveganju prilagojenih izpostavljenosti in zneskov pričakovanih izgub v primeru pridobitve osebnega kreditnega zavarovanja iz delov 3 do 6.
In such circumstances, subject to the compliance of such transfer with the requirements for the recognition of credit risk mitigation set out in this Annex, the rules set out in Parts 3 to 6 for the calculation of risk-weighted exposure amounts and expected loss amounts where unfunded credit protection is acquired shall be applied.
Del 2 – Minimalne zahteve
Part 2 – Minimum Requirements
Kreditna institucija mora dokazati pristojnim organom, da ima ustrezne procese upravljanja s tveganji za kontrolo tistih tveganj, katerim bi lahko bila izpostavljena zaradi izvajanja postopkov zmanjševanja kreditnega tveganja.
The credit institution must satisfy the competent authorities that it has adequate risk management processes to control those risks to which the credit institution may be exposed as a result of carrying out credit risk mitigation practices.
Ne glede na prisotnost zmanjševanja kreditnega tveganja, upoštevanega za namene izračuna zneskov tveganju prilagojenih izpostavljenosti in, če je primerno, zneskov pričakovanih izgub, kreditne institucije še naprej izvajajo presojo celotnega kreditnega tveganja osnovne izpostavljenosti in so sposobne dokazati pristojnim organom, da je ta zahteva izpolnjena.
Notwithstanding the presence of credit risk mitigation taken into account for the purposes of calculating risk-weighted exposure amounts and as relevant expected loss amounts, credit institutions shall continue to undertake full credit risk assessment of the underlying exposure and be in a position to demonstrate the fulfilment of this requirement to the competent authorities.
V primeru poslov začasne prodaje/začasnega nakupa in/ali poslov posoje/izposoje vrednostnih papirjev ali blaga se samo za namene tega odstavka kot osnovna izpostavljenost šteje neto znesek izpostavljenosti.
In the case of repurchase transactions and/or securities or commodities lending or borrowing transactions the underlying exposure shall, for the purposes of this point only, be deemed to be the net amount of the exposure.
Pogodbe o bilančnem pobotu (razen okvirnih pogodb o pobotu, ki zajemajo posle začasne prodaje/začasnega nakupa, posle posoje/izposoje vrednostnih papirjev ali blaga in/ali druge posle z instrumenti kapitalskega trga).
On-balance sheet netting agreements (other than master netting agreements covering repurchase transactions, securities or commodities lending or borrowing transactions and/or other capital market-driven transactions).
Za pogodbe o bilančnem pobotu, razen okvirnih pogodb o pobotu, ki zajemajo posle začasne prodaje/začasnega nakupa, posle posoje/izposoje vrednostnih papirjev ali blaga in/ali druge posle z instrumenti kapitalskega trga, morajo biti za priznanje za namene členov 90 do 93 izpolnjeni naslednji pogoji:
For on-balance sheet netting agreements – other than master netting agreements covering repurchase transactions, securities or commodities lending or borrowing transactions and/or other capital market-driven transactions – to be recognised for the purposes of Articles 90 to 93, the following conditions shall be satisfied:
morajo biti pravno učinkovite in prisilno izvršljive v vseh relevantnih pravnih redih vključno v primerih nesolventnosti ali stečaja nasprotne stranke;
they must be legally effective and enforceable in all relevant jurisdictions, including in the event of the insolvency or bankruptcy of a counterparty;
kreditna institucija mora biti sposobna v vsakem trenutku določiti tista sredstva in obveznosti, ki so predmet pogodb o bilančnem pobotu;
the credit institution must be able to determine at any time those assets and liabilities that are subject to the on-balance sheet netting agreement;
kreditna institucija mora spremljati in kontrolirati tveganja, povezana s prekinitvijo kreditnega zavarovanja; in
the credit institution must monitor and control the risks associated with the termination of the credit protection; and
kreditna institucija mora spremljati in kontrolirati zajete izpostavljenosti na neto osnovi.
the credit institution must monitor and control the relevant exposures on a net basis.
Okvirne pogodbe o pobotu, ki zajemajo posle začasne prodaje/začasnega nakupa in/ali posle posoje/izposoje vrednostnih papirjev ali blaga in/ali druge posle z instrumenti kapitalskega trga
Master netting agreements covering repurchase transactions and/or securities or commodities lending or borrowing transactions and/or other capital market driven transactions