natgillin/translations-raw huggingface dataset:
V primeru, da kreditna institucija uporablja razvito metodo za izračun učinkov zavarovanja s finančnim premoženjem iz dela 3 Priloge VIII, in če je izpostavljenost v obliki vrednostih papirjev ali blaga, prodanih, predloženih ali posojenih na podlagi poslov začasne prodaje/začasnega nakupa ali na podlagi poslov posoje/izposoje vrednostnih papirjev ali blaga in poslov posojanja za povečanje trgovalnega portfelja, se vrednost izpostavljenosti povečuje s prilagoditvijo za nestanovitnost, ki je primerna za take vrednostne papirje ali blago, kakor je predpisano v odstavkih 34 do 59 dela 3 Priloge VIII.
In the case of a credit institution using the Financial Collateral Comprehensive Method under Annex VIII, Part 3, where an exposure takes the form of securities or commodities sold, posted or lent under a repurchase transaction or under a securities or commodities lending or borrowing transaction, and margin lending transactions the exposure value shall be increased by the volatility adjustment appropriate to such securities or commodities as prescribed in Annex VIII, Part 3, points 34 to 59.
Vrednost izpostavljenosti izvedenega finančnega instrumenta iz Priloge IV se določi v skladu s Prilogo III z upoštevanjem učinkov pogodb o novaciji in drugih pogodb o pobotu za namene navedenih metod v skladu s Prilogo III.
The exposure value of a derivative instrument listed in Annex IV shall be determined in accordance with Annex III with the effects of contracts of novation and other netting agreements taken into account for the purposes of those methods in accordance with Annex III.
Vrednost izpostavljenosti poslov začasne prodaje/začasnega nakupa ali poslov posoje/izposoje vrednostnih papirjev ali blaga, poslov z dolgim rokom poravnave in poslov posojanja za povečanje trgovalnega portfelja se lahko določi bodisi v skladu s Prilogo III ali Prilogo VIII.
The exposure value of repurchase transactions, securities or commodities lending or borrowing transactions, long settlement transactions and margin lending transactions may be determined either in accordance with Annex III or Annex VIII.
Če se za izpostavljenost uporablja stvarno kreditno zavarovanje, se lahko vrednost izpostavljenosti, ki se uporablja za navedeno postavko, spremeni v skladu s pododdelkom 3.
Where an exposure is subject to funded credit protection, the exposure value applicable to that item may be modified in accordance with Subsection 3.
Ne glede na odstavek 2 se vrednost neporavnanih izpostavljenosti iz naslova kreditnega tveganja, ki jo določijo pristojni organi, do centralne nasprotne stranke določi v skladu z odstavkom 6 dela 2 Priloge III pod pogojem, da so izpostavljenosti centralne nasprotne stranke iz naslova kreditnega tveganja nasprotne stranke do vseh udeležencev, s katerimi ima sklenjene dogovore, v celoti zavarovane na dnevni osnovi.
Notwithstanding paragraph 2, the exposure value of credit risk exposures outstanding, as determined by the competent authorities, with a central counterparty shall be determined in accordance with Annex III, Part 2, point 6, provided that the central counterparty's counterparty credit risk exposures with all participants in its arrangements are fully collateralised on a daily basis.
Vsaka izpostavljenost se razporedi v eno od naslednjih kategorij izpostavljenosti:
Each exposure shall be assigned to one of the following exposure classes:
terjatve ali pogojne terjatve do enot centralne ravni držav ali centralnih bank;
claims or contingent claims on central governments or central banks;
terjatve ali pogojne terjatve do enot regionalne ali lokalne ravni držav;
claims or contingent claims on regional governments or local authorities;
terjatve ali pogojne terjatve do upravnih organov in nekomercialnih podjetij;
claims or contingent claims on administrative bodies and non-commercial undertakings;
terjatve ali pogojne terjatve do multilateralnih razvojnih bank;
claims or contingent claims on multilateral development banks;
terjatve ali pogojne terjatve do mednarodnih organizacij;
claims or contingent claims on international organisations;
terjatve ali pogojne terjatve do institucij;
claims or contingent claims on institutions;
terjatve ali pogojne terjatve do podjetij;
claims or contingent claims on corporates;
terjatve ali pogojne terjatve do majhnih dolžnikov;
retail claims or contingent retail claims;
terjatve ali pogojne terjatve, zavarovane z nepremičninami;
claims or contingent claims secured on real estate property;
zapadle postavke;
past due items;
regulatorno zelo tvegane kategorije postavk;
items belonging to regulatory high-risk categories;
terjatve iz naslova naložb v krite obveznice;
claims in the form of covered bonds;
pozicije listinjenja;
securitisation positions;
kratkoročne terjatve do institucij in podjetij;
short-term claims on institutions and corporate;
terjatve iz naslova naložb v investicijske sklade (CIU); ali
claims in the form of collective investment undertakings ("CIU"); or
druge postavke.
other items.
Izpostavljenost je primerna za kategorijo izpostavljenosti do majhnih dolžnikov iz točke (h) odstavka 1, če izpolnjuje naslednje pogoje:
To be eligible for the retail exposure class referred to in point (h) of paragraph 1, an exposure shall meet the following conditions:
izpostavljenost je do posameznika ali posameznikov, ali do majhnih ali srednje velikih subjektov;
the exposure shall be either to an individual person or persons, or to a small or medium sized entity;
izpostavljenost je ena od znatnega števila izpostavljenosti s podobnimi lastnostmi, tako da so tveganja, povezana s takim posojanjem, znatno zmanjšana; in
the exposure shall be one of a significant number of exposures with similar characteristics such that the risks associated with such lending are substantially reduced; and
kreditne institucije so seznanjene, da skupni znesek, dolgovan kreditni instituciji, nadrejenim družbam in njihovim podrejenim družbam, vključno z morebitnimi zapadlimi postavkami, s strani dolžnika ali skupine povezanih dolžnikov, vendar brez upoštevanja terjatev ali pogojnih terjatev, zavarovanih s stanovanjskimi nepremičninami, ne presega 1 milijon EUR.
the total amount owed to the credit institution and parent undertakings and its subsidiaries, including any past due exposure, by the obligor client or group of connected clients, but excluding claims or contingent claims secured on residential real estate collateral, shall not, to the knowledge of the credit institution, exceed EUR 1 million.
Kreditna institucija sprejme razumne ukrepe, da se s tem seznani.
The credit institution shall take reasonable steps to acquire this knowledge.
Vrednostni papirji niso primerni za kategorijo izpostavljenosti do majhnih dolžnikov.
Securities shall not be eligible for the retail exposure class.
Sedanja vrednost minimalnih plačil od majhnih dolžnikov iz naslova zakupa je primerna za kategorijo izpostavljenosti do majhnih dolžnikov.
The present value of retail minimum lease payments is eligible for the retail exposure class.
Za izračun zneskov tveganju prilagojenih izpostavljenost se uteži tveganja uporabijo za vse izpostavljenosti, razen če so odštete od lastnih sredstev, v skladu z določbami dela 1 Priloge VI.
To calculate risk-weighted exposure amounts, risk weights shall be applied to all exposures, unless deducted from own funds, in accordance with the provisions of Annex VI, Part 1.
Uporaba uteži tveganja temelji na kategoriji izpostavljenosti, v katero je dodeljena izpostavljenost, in v obsegu, ki je naveden v delu 1 Priloge VI, na njeni kreditni kvaliteti.
The application of risk weights shall be based on the exposure class to which the exposure is assigned and, to the extent specified in Annex VI, Part 1, its credit quality.
Kreditna kvaliteta se lahko določi glede na bonitetne ocene zunanjih bonitetnih institucij ("ECAI") v skladu z določbami členov 81 do 83 ali bonitetne ocene izvoznih agencij, kakor je opisano v delu 1 Priloge VI.
Credit quality may be determined by reference to the credit assessments of External Credit Assessment Institutions ("ECAIs") in accordance with the provisions of Articles 81 to 83 or the credit assessments of Export Credit Agencies as described in Annex VI, Part 1.
Za namene uporabe uteži tveganja, kakor je navedeno v odstavku 1, se vrednost izpostavljenosti pomnoži z utežjo tveganja, navedeno ali določeno v skladu s tem pododdelkom.
For the purposes of applying a risk weight, as referred to in paragraph 1, the exposure value shall be multiplied by the risk weight specified or determined in accordance with this Subsection.
Za izračun zneskov tveganju prilagojenih izpostavljenosti za izpostavljenosti do institucij se države članice odločijo, ali naj sprejmejo metodo na podlagi kreditne kvalitete enot centralne ravni države, pod jurisdikcijo katere je ustanovljena institucija, ali metodo na podlagi kreditne kvalitete institucije, ki je nasprotna stranka, v skladu s Prilogo VI.
For the purposes of calculating risk-weighted exposure amounts for exposures to institutions, Member States shall decide whether to adopt the method based on the credit quality of the central government of the jurisdiction in which the institution is incorporated or the method based on the credit quality of the counterparty institution in accordance with Annex VI.
Ne glede na odstavek 1, če se za izpostavljenost uporablja kreditno zavarovanje, se lahko utež tveganja, ki se uporablja za navedeno postavko, spremeni v skladu s pododdelkom 3.
Notwithstanding paragraph 1, where an exposure is subject to credit protection the risk weight applicable to that item may be modified in accordance with Subsection 3.
Znesek tveganju prilagojenih izpostavljenosti za listinjene izpostavljenosti se izračuna v skladu s pododdelkom 4.
Risk-weighted exposure amounts for securitised exposures shall be calculated in accordance with Subsection 4.
Izpostavljenostim, za katere izračun zneskov tveganju prilagojenih izpostavljenosti ni drugače predviden v tem pododdelku, se dodeli utež tveganja 100 %.
Exposures the calculation of risk-weighted exposure amounts for which is not otherwise provided for under this Subsection shall be assigned a risk-weight of 100%.
Z izjemo izpostavljenosti, ki predstavljajo obveznosti iz naslova postavk iz odstavkov (a) do (h) člena 57, lahko pristojni organi izvzamejo iz zahtev odstavka 1 tega člena izpostavljenosti kreditne institucije do nasprotne stranke, ki je njena nadrejena družba, njena podrejena družba ali podrejena družba njene nadrejene družbe, ali povezano podjetje v smislu člena 12(1) Direktive 83/349/EGS, če so izpolnjeni naslednji pogoji:
With the exception of exposures giving rise to liabilities in the form of the items referred to in paragraphs (a) to (h) of Article 57, competent authorities may exempt from the requirements of paragraph 1 of this Article the exposures of a credit institution to a counterparty which is its parent undertaking, its subsidiary, a subsidiary of its parent undertaking or an undertaking linked by a relationship within the meaning of Article 12(1) of Directive 83/349/EEC, provided that the following conditions are met:
nasprotna stranka je institucija ali finančni holding, finančna institucija, družba za upravljanje s premoženjem ali podjetje za pomožne storitve, za katero se uporabljajo ustrezne zahteve skrbnega in varnega poslovanja;
the counterparty is an institution or a financial holding company, financial institution, asset management company or ancillary services undertaking subject to appropriate prudential requirements;
nasprotna stranka je v celoti vključena v isto konsolidacijo kakor kreditna institucija;
the counterparty is included in the same consolidation as the credit institution on a full basis;
za nasprotno stranko se uporabljajo isti postopki za ovrednotenje, merjenje in kontrolo tveganj kakor za kreditno institucijo;
the counterparty is subject to the same risk evaluation, measurement and control procedures as the credit institution;
nasprotna stranka ima sedež v isti državi članici kakor kreditna institucija; in
the counterparty is established in the same Member State as the credit institution; and
ni trenutne ali predvidene vsebinske, dejanske ali pravne ovire za takojšnji prenos lastnih sredstev ali za odplačilo obveznosti nasprotne stranke kreditni instituciji.
there is no current or foreseen material practical or legal impediment to the prompt transfer of own funds or repayment of liabilities from the counterparty to the credit institution.
V takem primeru se uporabi utež tveganja 0 %.
In such a case, a risk weight of 0% shall be assigned.
Z izjemo izpostavljenosti, ki predstavljajo obveznosti iz naslova postavk iz točk (a) do (h) člena 57, lahko pristojni organi izvzamejo iz zahtev odstavka 1 tega člena izpostavljenosti kreditne institucije do nasprotnih strank, ki so vključene v isto institucionalno jamstveno shemo kot posojilna kreditna institucija, če so izpolnjeni naslednji pogoji:
With the exception of exposures giving rise to liabilities in the form of the items referred to in points (a) to (h) of Article 57, competent authorities may exempt from the requirements of paragraph 1 of this Article the exposures to counterparties which are members of the same institutional protection scheme as the lending credit institution, provided that the following conditions are met:
zahteve iz točk (a), (d) in (e) odstavka 7;
the requirements set out in points (a), (d) and (e) of paragraph 7;
kreditna institucija in nasprotna stranka sta vključeni v pogodbeno ali zakonsko določeno ureditev odgovornosti, ki jamči za te institucije, zlasti pa zagotavlja njihovo likvidnost in solventnost, z namenom, da prepreči stečaj, če se pokaže ta potreba (spodaj navedena kot institucionalna jamstvena shema);
the credit institution and the counterparty have entered into a contractual or statutory liability arrangement which protects those institutions and in particular ensures their liquidity and solvency to avoid bankruptcy in case it becomes necessary (referred to below as an institutional protection scheme);
ureditev zagotavlja, da je institucionalna jamstvena shema zmožna v skladu s svojo obvezo odobriti potrebno podporo iz sredstev, ki jih ima takoj na voljo;
the arrangements ensure that the institutional protection scheme will be able to grant support necessary under its commitment from funds readily available to it;
institucionalna jamstvena shema razpolaga s primernimi in enotno določenimi sistemi za nadzor in klasifikacijo tveganj (to omogoča popolni pregled nad tveganji posameznih članov in institucionalne jamstvene sheme kot celote) ter z ustreznimi možnostmi vplivanja; ti sistemi ustrezno nadzorujejo neplačane izpostavljenosti v skladu z odstavkom 44 dela 4 Priloge VII;
the institutional protection scheme disposes of suitable and uniformly stipulated systems for the monitoring and classification of risk (which gives a complete overview of the risk situations of all the individual members and the institutional protection scheme as a whole) with corresponding possibilities to take influence; those systems shall suitably monitor defaulted exposures in accordance with Annex VII, Part 4, point 44;
institucionalna jamstvena shema izvaja lastno oceno tveganj, o kateri so posamezni člani obveščeni;
the institutional protection scheme conducts its own risk review which is communicated to the individual members;
institucionalna jamstvena shema enkrat letno sestavi in objavi bodisi konsolidirano poročilo, ki obsega bilanco stanja, izkaz poslovnega izida ter poročilo o stanju in tveganjih institucionalne jamstvene sheme kot celote ali poročilo, ki obsega skupno bilanco stanja, skupen izkaz poslovnega izida ter poročilo o stanju in tveganjih institucionalne jamstvene sheme kot celote;
the institutional protection scheme draws up and publishes once in a year either, a consolidated report comprising the balance sheet, the profit-and-loss account, the situation report and the risk report, concerning the institutional protection scheme as a whole, or a report comprising the aggregated balance sheet, the aggregated profit-and-loss account, the situation report and the risk report, concerning the institutional protection scheme as a whole;
člani institucionalne jamstvene sheme morajo svojo namero, da bodo izstopili iz sheme, podati najmanj 24 mesecev pred izstopom;
members of the institutional protection scheme are obliged to give advance notice of at least 24 months if they wish to end the arrangements;
odpravi se večkratna uporaba elementov, ki so primerni za izračun lastnih sredstev ("multiple gearing"), ter neustrezno ustvarjanje lastnih sredstev med člani institucionalne jamstvene sheme;
the multiple use of elements eligible for the calculation of own funds ("multiple gearing") as well as any inappropriate creation of own funds between the members of the institutional protection scheme shall be eliminated;
institucionalna jamstvena shema temelji na širokem izboru včlanjenih kreditnih institucij s pretežno homogenim poslovnim profilom; in
the institutional protection scheme shall be based on a broad membership of credit institutions of a predominantly homogeneous business profile; and
ustreznost sistemov iz točke (d) morajo zadevni pristojni organi redno potrjevati in nadzorovati.
the adequacy of the systems referred to in point (d) is approved and monitored at regular intervals by the relevant competent authorities.
Za določanje uteži tveganja izpostavljenosti v skladu s členom 80 se lahko uporabi zunanja bonitetna ocena samo, če je ECAI, ki jo je izdelala, priznana kot primerna za navedene namene s strani pristojnih organov (za namene tega pododdelka "primerna ECAI").
An external credit assessment may be used to determine the risk weight of an exposure in accordance with Article 80 only if the ECAI which provides it has been recognised as eligible for those purposes by the competent authorities ("an eligible ECAI" for the purposes of this Subsection).
Pristojni organi priznajo ECAI kot primerno za namene člena 80 le, če se prepričajo, da njena metodologija za ocenjevanje izpolnjuje zahteve po objektivnosti, neodvisnosti, nenehnem preverjanju in preglednosti ter da bonitetne ocene, ki so rezultat metodologije, izpolnjujejo zahteve po verodostojnosti in preglednosti.
Competent authorities shall recognise an ECAI as eligible for the purposes of Article 80 only if they are satisfied that its assessment methodology complies with the requirements of objectivity, independence, ongoing review and transparency, and that the resulting credit assessments meet the requirements of credibility and transparency.
Za navedene namene pristojni organi upoštevajo tehnična merila iz dela 2 Priloge VI.
For those purposes, the competent authorities shall take into account the technical criteria set out in Annex VI, Part 2.
Če pristojni organi države članice priznajo ECAI kot primerno, lahko pristojni organi drugih držav članic priznajo navedeno ECAI kot primerno, ne da bi opravili lasten proces ovrednotenja.
If an ECAI has been recognised as eligible by the competent authorities of a Member State, the competent authorities of other Member States may recognise that ECAI as eligible without carrying out their own evaluation process.
Pristojni organi javno objavijo razlago procesa priznavanja in seznam primernih ECAI.
Competent authorities shall make publicly available an explanation of the recognition process, and a list of eligible ECAIs.
Pristojni organi ob upoštevanju tehničnih meril iz dela 2 Priloge VI določijo, s katero stopnjo kreditne kvalitete iz dela 1 navedene priloge so povezane ustrezne bonitetne ocene primerne ECAI.
The competent authorities shall determine, taking into account the technical criteria set out in Annex VI, Part 2, with which of the credit quality steps set out in Part 1 of that Annex the relevant credit assessments of an eligible ECAI are to be associated.
Navedene določitve so objektivne in dosledne.
Those determinations shall be objective and consistent.
Kadar pristojni organi države članice izvedejo določitev na podlagi odstavka 1, lahko pristojni organi drugih držav članic priznajo navedeno določitev brez lastnega procesa določanja.
When the competent authorities of a Member State have made a determination under paragraph 1, the competent authorities of other Member States may recognise that determination without carrying out their own determination process.
Uporaba bonitetnih ocen ECAI za izračun zneskov tveganju prilagojenih izpostavljenosti kreditne institucije je dosledna in skladna z delom 3 Priloge VI.
The use of ECAI credit assessments for the calculation of a credit institution's risk-weighted exposure amounts shall be consistent and in accordance with Annex VI, Part 3.
Bonitetne ocene se ne uporabljajo selektivno.
Credit assessments shall not be used selectively.
Z dovoljenjem ustreznega pristojnega organa pa lahko uporabljajo nepooblaščene bonitetne ocene.
However, with the permission of the relevant competent authority, they may use unsolicited assessments.
Pristop na osnovi notranjih bonitetnih ocen
Internal Ratings Based Approach
V skladu s tem pododdelkom lahko pristojni organi dovolijo kreditnim institucijam izračunavanje svojih zneskov tveganju prilagojenih izpostavljenosti z uporabo pristopa na osnovi notranjih bonitetnih ocen ("pristop IRB").
In accordance with this Subsection, the competent authorities may permit credit institutions to calculate their risk-weighted exposure amounts using the Internal Ratings Based Approach ("IRB Approach").
Za vsako kreditno institucijo se zahteva izrecno dovoljenje.
Explicit permission shall be required in the case of each credit institution.
Dovoljenje se izda samo, če se pristojni organ prepriča, da so sistemi kreditne institucije za upravljanje in bonitetno ocenjevanje izpostavljenosti iz naslova kreditnega tveganja zanesljivi in da se izvajajo celovito, zlasti pa da izpolnjujejo naslednje standarde v skladu z delom 4 Priloge VII:
Permission shall be given only if the competent authority is satisfied that the credit institution's systems for the management and rating of credit risk exposures are sound and implemented with integrity and, in particular, that they meet the following standards in accordance with Annex VII, Part 4:
bonitetni sistemi kreditne institucije omogočajo smiselno bonitetno oceno dolžnika in značilnosti transakcije, smiselno razlikovanje tveganja ter natančne in dosledne kvantitativne ocene tveganja;
the credit institution's rating systems provide for a meaningful assessment of obligor and transaction characteristics, a meaningful differentiation of risk and accurate and consistent quantitative estimates of risk;
notranje bonitetne ocene ter ocene neplačila in izgube, ki se uporabljajo pri izračunu kapitalske zahteve ter z njimi povezanih sistemov in procesov igrajo ključno vlogo pri upravljanju s tveganji in procesu odločanja, ter pri odobritvi kreditov, notranji razdelitvi kapitala in funkcijah upravljanja kreditne institucije;
internal ratings and default and loss estimates used in the calculation of capital requirements and associated systems and processes play an essential role in the risk management and decision-making process, and in the credit approval, internal capital allocation and corporate governance functions of the credit institution;
kreditna institucija ima enoto za kontrolo kreditnega tveganja, pristojno za bonitetne sisteme, ki je ustrezno neodvisna in ni izpostavljena neprimernim vplivom;
the credit institution has a credit risk control unit responsible for its rating systems that is appropriately independent and free from undue influence;
kreditna institucija zbira in hrani vse pomembne podatke za zagotavljanje učinkovite podpore svojemu procesu merjenja kreditnega tveganja in upravljanja z njim; in
the credit institution collects and stores all relevant data to provide effective support to its credit risk measurement and management process; and
kreditna institucija dokumentira svoje bonitetne sisteme in načelo za njihovo sestavo, ter ovrednoti svoje bonitetne sisteme.
the credit institution documents its rating systems and the rationale for their design and validates its rating systems.