natgillin/translations-raw huggingface dataset:
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, se priznajo za namene členov 90 do 93, če:
For master netting agreements covering repurchase transactions and/or 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, they shall:
so pravno učinkovite in prisilno izvršljive v vseh relevantnih pravnih redih vključno v primerih stečaja ali nesolventnosti nasprotne stranke;
be legally effective and enforceable in all relevant jurisdictions, including in the event of the bankruptcy or insolvency of the counterparty;
dajejo pogodbi zvesti stranki pravico, da v primeru neplačila, vključno z nastopom stečaja ali nesolventnosti nasprotne stranke, odstopi od pogodbe in izvede pravočasno poravnavo vseh poslov iz pogodbe; in
give the non-defaulting party the right to terminate and close-out in a timely manner all transactions under the agreement upon the event of default, including in the event of the bankruptcy or insolvency of the counterparty; and
predvideva pobot dobičkov in izgub iz poslov, poravnanih na podlagi okvirne pogodbe o pobotu, tako da ena stranka dolguje drugi en sam neto znesek.
provide for the netting of gains and losses on transactions closed out under a master agreement so that a single net amount is owed by one party to the other.
Poleg tega se izpolnijo minimalne zahteve za priznanje zavarovanja s finančnim premoženjem v okviru razvite metode za izračun učinkov zavarovanja s finančnim premoženjem, določene v odstavku 6.
In addition, the minimum requirements for the recognition of financial collateral under the Financial Collateral Comprehensive Method set out in point 6 shall be fulfilled.
Zavarovanje s finančnim premoženjem
Financial collateral
Minimalne zahteve za priznanje zavarovanja s finančnim premoženjem na podlagi vseh pristopov in metod
Minimum requirements for the recognition of financial collateral under all Approaches and Methods
Za priznanje zavarovanja s finančnim premoženjem in zlatom morajo biti izpolnjeni naslednji pogoji:
For the recognition of financial collateral and gold, the following conditions shall be met.
Nizka korelacija
Low correlation
Kreditna kvaliteta dolžnika in vrednost zavarovanja s premoženjem ne smeta biti v bistveni pozitivni korelaciji.
The credit quality of the obligor and the value of the collateral must not have a material positive correlation.
Vrednostni papirji, katerih izdajatelj je dolžnik ali katera koli povezana oseba iz skupine, niso primerni.
Securities issued by the obligor, or any related group entity, are not eligible.
Ne glede na to so lahko krite obveznice, ki jih je izdal dolžnik in ki ustrezajo pogojem iz odstavkov 68 do 70 dela 1 Priloge VI, priznane kot primerno zavarovanje za posle začasne prodaje/začasnega nakupa, če se upoštevajo zahteve iz prvega odstavka te točke.
This notwithstanding, the obligor's own issues of covered bonds falling within the terms of Annex VI, Part 1, points 68 to 70 may be recognised as eligible when they are posted as collateral for repurchase transactions, provided that the first paragraph of this point is complied with.
Kreditne institucije izpolnjujejo vse pogodbene in zakonske zahteve v zvezi s prisilno izvršljivostjo zavarovanja s premoženjem v pravnem redu, ki velja za njihova razmerja zavarovanja s premoženjem, in sprejmejo vse potrebne ukrepe, da to prisilno izvršljivost zagotovijo.
Credit institutions shall fulfil any contractual and statutory requirements in respect of, and take all steps necessary to ensure, the enforceability of the collateral arrangements under the law applicable to their interest in the collateral.
Kreditne institucije razpolagajo z dovolj natančnimi pravnimi pregledi, ki potrjujejo prisilno izvršljivost dogovorov o zavarovanjih s premoženjem v vseh relevantnih pravnih redih.
Credit institutions shall have conducted sufficient legal review confirming the enforceability of the collateral arrangements in all relevant jurisdictions.
Po potrebi, da zagotovijo neprekinjeno prisilno izvršljivost, te preglede ponavljajo.
They shall re-conduct such review as necessary to ensure continuing enforceability.
Operativne zahteve
Operational requirements
Dogovori o zavarovanju s premoženjem so pravilno dokumentirani, z jasnimi in zanesljivimi postopki za pravočasno unovčenje zavarovanja s premoženjem.
The collateral arrangements shall be properly documented, with a clear and robust procedure for the timely liquidation of collateral.
Kreditne institucije uveljavijo zanesljive postopke in procese za kontrolo tveganj iz naslova uporabe zavarovanj s premoženjem, vključno s tveganji neučinkovitosti ali zmanjšane učinkovitosti kreditnega zavarovanja, tveganji v zvezi z vrednotenjem, tveganji v zvezi s prenehanjem kreditnega zavarovanja, tveganjem koncentracije, ki nastane zaradi uporabe zavarovanja s premoženjem in medsebojnega vpliva med zavarovanjem in celotnim profilom tveganosti kreditne institucije.
Credit institutions shall employ robust procedures and processes to control risks arising from the use of collateral – including risks of failed or reduced credit protection, valuation risks, risks associated with the termination of the credit protection, concentration risk arising from the use of collateral and the interaction with the credit institution's overall risk profile.
Kreditna institucija ima dokumentirane politike in prakse v zvezi z vrstami in obsegom zavarovanj s premoženjem, ki jih sprejema.
The credit institution shall have documented policies and practices concerning the types and amounts of collateral accepted.
Kreditne institucije izračunavajo tržno vrednost zavarovanja s premoženjem in ga ustrezno prevrednotijo vsaj enkrat na šest mesecev ali kadar koli kreditna institucija meni, da je nastopilo znatno zmanjšanje njegove tržne vrednosti.
Credit institutions shall calculate the market value of the collateral, and revalue it accordingly, with a minimum frequency of once every six months and whenever the credit institution has reason to believe that there has occurred a significant decrease in its market value.
Če je zavarovanje s premoženjem pri tretji osebi, mora kreditna institucija sprejeti razumne ukrepe, da zagotovi, da tretja oseba ločuje zavarovanje s premoženjem od lastnih sredstev.
Where the collateral is held by a third party, credit institutions must take reasonable steps to ensure that the third party segregates the collateral from its own assets.
Dodatne minimalne zahteve za priznanje zavarovanja s finančnim premoženjem v okviru enostavne metode za izračun učinkov zavarovanja s finančnim premoženjem
Additional minimum requirements for the recognition of financial collateral under the Financial Collateral Simple Method
Poleg zahtev iz odstavka 6, mora biti za priznanje zavarovanja s finančnim premoženjem v okviru enostavne metode za izračun učinkov zavarovanja s finančnim premoženjem preostala zapadlost zavarovanja vsaj tako dolga kakor preostala zapadlost izpostavljenosti.
In addition to the requirements set out in point 6, for the recognition of financial collateral under the Financial Collateral Simple Method the residual maturity of the protection must be at least as long as the residual maturity of the exposure.
Minimalne zahteve za priznanje zavarovanja z nepremičninami
Minimum requirements for the recognition of real estate collateral
Za priznanje zavarovanja z nepremičninami morajo biti izpolnjeni naslednji pogoji:
For the recognition of real estate collateral the following conditions shall be met.
Hipoteka ali druga pravica do poplačila iz vrednosti nepremičnine je prisilno izvršljiva v vseh pravnih redih, ki so zanjo relevantni ob sklenitvi sporazuma o kreditu, in je pravilno in pravočasno dokumentirana in vknjižena v javnih knjigah.
The mortgage or charge shall be enforceable in all jurisdictions which are relevant at the time of the conclusion of the credit agreement, and the mortgage or charge shall be properly filed on a timely basis.
Spremljanje vrednosti nepremičnin
Monitoring of property values
Vrednost nepremičnine se spremlja redno in se vsaj enkrat na leto v primeru poslovnih nepremičnin in vsaka tri leta v primeru stanovanjskih nepremičnin izdela ocena njene vrednosti.
The value of the property shall be monitored on a frequent basis and at a minimum once every year for commercial real estate and once every three years for residential real estate.
Za posojila, ki presegajo 3 milijone EUR ali 5 % lastnih sredstev kreditne institucije in so zavarovana z nepremičninami, neodvisen cenilec vsaj vsaka tri leta preveri vrednost teh nepremičnin.
For loans exceeding EUR 3 million or 5% of the own funds of the credit institution, the property valuation shall be reviewed by an independent valuer at least every three years.
"Neodvisen cenilec" pomeni osebo, ki ima potrebne kvalifikacije, znanje in izkušnje za izvajanje cenitve, in ki je neodvisen od procesa odločanja o kreditih.
"Independent valuer" shall mean a person who possesses the necessary qualifications, ability and experience to execute a valuation and who is independent from the credit decision process.
Vrste stanovanjskih in poslovnih nepremičnin, ki jih sprejema kreditna institucija, in njene posojilne politike v tej zvezi so jasno dokumentirane.
The types of residential and commercial real estate accepted by the credit institution and its lending policies in this regard shall be clearly documented.
Kreditna institucija vzpostavi postopke za spremljanje, da je nepremičnina, ki je prejeta v zavarovanje, primerno škodno zavarovana.
The credit institution shall have procedures to monitor that the property taken as protection is adequately insured against damage.
Minimalne zahteve za priznanje zavarovanja z denarnimi terjatvami
Minimum requirements for the recognition of receivables as collateral
Za priznanje zavarovanja z denarnimi terjatvami morajo biti izpolnjeni naslednji pogoji:
For the recognition of receivables as collateral the following conditions shall be met:
Pravni mehanizem, s katerim se zagotavlja zavarovanje z denarnimi terjatvami, je zanesljiv in učinkovit ter posojilodajalcu zagotavlja nesporno pravico iz tega zavarovanja;
The legal mechanism by which the collateral is provided shall be robust and effective and ensure that the lender has clear rights over the proceeds;
kreditne institucije morajo sprejeti vse potrebne ukrepe za izpolnjevanje lokalnih zahtev glede prisilne izvršljivosti pravic iz zavarovanja.
Credit institutions must take all steps necessary to fulfil local requirements in respect of the enforceability of security interest.
Vzpostavljen je okvir, ki omogoča posojilodajalcu, da na denarnih terjatvah, danih v zavarovanje, pridobi pravico z najboljšim vrstnim redom, razen če boljši vrstni red drugih – privilegiranih – upravičencev temelji na zakonu ali podzakonskih predpisih;
There shall be a framework which allows the lender to have a first priority claim over the collateral subject to national discretion to allow such claims to be subject to the claims of preferential creditors provided for in legislative or implementing provisions;
kreditne institucije opravijo zadosten pravni pregled, ki potrjuje prisilno izvršljivost zavarovanja z denarnimi terjatvami v vseh relevantnih pravnih redih;
Credit institutions shall have conducted sufficient legal review confirming the enforceability of the collateral arrangements in all relevant jurisdictions; and
dogovori o zavarovanju z denarnimi terjatvami morajo biti pravilno dokumentirani z jasnimi in zanesljivimi postopki za njihovo pravočasno unovčenje.
The collateral arrangements must be properly documented, with a clear and robust procedure for the timely collection of collateral.
Postopki kreditnih institucij zagotavljajo spoštovanje pravnih pogojev v zvezi z ugotavljanjem neplačila posojilojemalca in pravočasnim unovčenjem zavarovanja z denarnimi terjatvami.
Credit institution's procedures shall ensure that any legal conditions required for declaring the default of the borrower and timely collection of collateral are observed.
V primeru finančnih težav ali neplačila posojilojemalca je kreditna institucija pravno upravičena prodati ali odstopiti denarne terjatve tretjim osebam brez soglasja dolžnikov po denarnih terjatvah.
In the event of the borrower's financial distress or default, the credit institution shall have legal authority to sell or assign the receivables to other parties without consent of the receivables obligors.
Upravljanje s tveganji
Risk management
Kreditna institucija mora imeti zanesljiv proces za ugotavljanje kreditnega tveganja, povezanega z denarnimi terjatvami.
The credit institution must have a sound process for determining the credit risk associated with the receivables.
Tak proces med drugim vsebuje analize kreditojemalčevega poslovanja in gospodarske dejavnosti ter vrst strank, s katerimi kreditojemalec posluje.
Such a process shall include, among other things, analyses of the borrower's business and industry and the types of customers with whom the borrower does business.
Če se kreditna institucija opira na kreditojemalčevo oceno kreditne sposobnosti njegovih strank, mora pregledati kreditojemalčevo kreditno prakso, da preveri njihovo zanesljivost in verodostojnost;
Where the credit institution relies on the borrower to ascertain the credit risk of the customers, the credit institution must review the borrower's credit practices to ascertain their soundness and credibility;
razlika med zneskom izpostavljenosti in vrednostjo denarnih terjatev mora odražati vse ustrezne dejavnike, vključno s stroški unovčenja, koncentracijo znotraj skupine denarnih terjatev, ki jih je v zavarovanje dal posamezen kreditojemalec, in potencialno tveganje koncentracije znotraj celotne izpostavljenosti kreditne institucije, ki ni zajeto s splošno metodologijo kreditne institucije.
The margin between the amount of the exposure and the value of the receivables must reflect all appropriate factors, including the cost of collection, concentration within the receivables pool pledged by an individual borrower, and potential concentration risk within the credit institution's total exposures beyond that controlled by the credit institution's general methodology.
Poleg tega je treba redno pregledovati skladnost s posojilnimi klavzulami, okoljskimi omejitvami in drugimi predpisi;
Additionally, compliance with loan covenants, environmental restrictions, and other legal requirements shall be reviewed on a regular basis;
denarne terjatve, ki jih da v zavarovanje kreditojemalec, so razpršene in niso v prekomerni korelaciji s kreditojemalcem.
The receivables pledged by a borrower shall be diversified and not be unduly correlated with the borrower.
Če obstaja bistvena pozitivna korelacija, so spremljajoča tveganja ustrezno upoštevana pri določanju presežkov celotnega fonda v zavarovanje danih denarnih terjatev nad izpostavljenostjo;
Where there is material positive correlation, the attendant risks shall be taken into account in the setting of margins for the collateral pool as a whole;
denarne terjatve do pravnih ali fizičnih oseb, povezanih s kreditojemalcem (vključno s podrejenimi družbami in zaposlenimi) se ne priznajo kot instrument zavarovanja; in
Receivables from affiliates of the borrower (including subsidiaries and employees) shall not be recognised as risk mitigants; and
kreditna institucija ima dokumentiran proces za izterjavo plačil po denarnih terjatvah v primerih, ko kreditojemalci zamujajo s plačili ali postanejo neplačniki.
The credit institution shall have a documented process for collecting receivable payments in distressed situations.
Vzpostavljeni so potrebni mehanizmi za izterjavo, tudi če kreditna institucija pričakuje, da bo kreditojemalec sam izterjal zastavljene denarne terjatve.
The requisite facilities for collection shall be in place, even when the credit institution normally looks to the borrower for collections.
Minimalne zahteve za priznanje zavarovanja s premičninami
Minimum requirements for the recognition of other physical collateral
Za priznanje zavarovanja s premičninami morajo biti izpolnjeni naslednji pogoji:
For the recognition of other physical collateral the following conditions shall be met:
dogovor o zavarovanju s premoženjem je pravno učinkovit in izvršljiv v vseh relevantnih pravnih redih in omogoča kreditni instituciji unovčenje vrednosti nepremičnine v razumnem času;
the collateral arrangement shall be legally effective and enforceable in all relevant jurisdictions and shall enable the credit institution to realise the value of the property within a reasonable timeframe;
z izključno izjemo dovoljenih privilegiranih terjatev iz odstavka 9(a)(ii), so dovoljene samo tiste pravice na predmetih zavarovanja, ki imajo najboljši vrstni red.
with the sole exception of permissible prior claims referred to in point 9(a)(ii), only first liens on, or charges over, collateral are permissible.
Kreditna institucija ima kot taka prednost do prihodkov iz unovčitve zavarovanja pred vsemu drugimi posojilodajalci;
As such, the credit institution shall have priority over all other lenders to the realised proceeds of the collateral;
vrednost nepremičnine se spremlja redno in vsaj enkrat na leto.
the value of the property shall be monitored on a frequent basis and at a minimum once every year.
Pogostejše spremljanje se zahteva, če se razmere na trgu zelo spreminjajo;
More frequent monitoring shall be required where the market is subject to significant changes in conditions;
posojilna pogodba vključuje natančen opis zavarovanja in natančno specifikacijo načina in pogostosti prevrednotenja;
the loan agreement shall include detailed descriptions of the collateral plus detailed specifications of the manner and frequency of revaluation;
vrste zavarovanja s premičninami, ki jih sprejema kreditna institucija, ter politike in prakse za ustrezen obseg vsake vrste zavarovanja glede na znesek izpostavljenosti, se jasno dokumentirajo v notranjih kreditnih politikah in postopkih, ki so na razpolago za preverjanje;
the types of physical collateral accepted by the credit institution and policies and practices in respect of the appropriate amount of each type of collateral relative to the exposure amount shall be clearly documented in internal credit policies and procedures available for examination;
kreditne politike kreditne institucije v zvezi s strukturo poslov obravnavajo zahteve glede zavarovanja, ki ustrezajo znesku izpostavljenosti, zmožnosti hitrega unovčenja zavarovanja, zmožnosti objektivnega določanja cene ali tržne vrednosti, pogostosti, s katero je mogoče hitro pridobiti oceno vrednosti (vključno s strokovno oceno ali vrednotenjem), in nestanovitnosti ali približku nestanovitnosti vrednosti zavarovanja s premoženjem;
the credit institution's credit policies with regard to the transaction structure shall address appropriate collateral requirements relative to the exposure amount, the ability to liquidate the collateral readily, the ability to establish objectively a price or market value, the frequency with which the value can readily be obtained (including a professional appraisal or valuation), and the volatility or a proxy of the volatility of the value of the collateral;
tako začetno vrednotenje kot tudi prevrednotenje v celoti upoštevata vsa morebitna poslabšanja ali zastarelost zavarovanja.
both initial valuation and revaluation shall take fully into account any deterioration or obsolescence of the collateral.
Posebno pozornost je treba pri vrednotenju in prevrednotenju namenjati učinkom minevanja časa na zavarovanja, ki so občutljiva na modo ali datum;
Particular attention must be paid in valuation and revaluation to the effects of the passage of time on fashion- or date-sensitive collateral;
kreditna institucija mora imeti pravico do fizičnega pregleda premičnin.
the credit institution must have the right to physically inspect the property.
Vzpostavljene so politike in postopki, ki obravnavajo uresničevanje pravice do fizičnega pregleda; in
It shall have policies and procedures addressing its exercise of the right to physical inspection; and
kreditna institucija mora vzpostaviti postopke za spremljanje, ali so nepremičnine, sprejete v zavarovanje, primerno škodno zavarovane.
the credit institution must have procedures to monitor that the property taken as protection is adequately insured against damage.
Minimalne zahteve za obravnavanje izpostavljenosti iz naslova zakupa kot zavarovane s premoženjem
Minimum requirements for treating lease exposures as collateralised
Za obravnavo izpostavljenosti iz naslova poslov zakupa kot zavarovanih s stvarmi, danimi v zakup, morajo biti izpolnjeni naslednji pogoji:
For the exposures arising from leasing transactions to be treated as collateralised by the type of property leased, the following conditions shall be met:
za priznavanje stvari, danih v zakup, kot zavarovanja s premoženjem, morajo biti izpolnjeni pogoji iz odstavkov 8 oziroma 10;
the conditions set out in points 8 or 10 as appropriate for the recognition as collateral of the type of property leased shall be met;
zakupodajalec vzpostavi zanesljivo upravljanje s tveganji glede uporabe, za katero je bila dana stvar v zakup, njene starosti in načrtovanega trajanja uporabe, vključno s primernim spremljanjem vrednosti garancije;
there shall be robust risk management on the part of the lessor with respect to the use to which the leased asset is put, its age and the planned duration of its use, including appropriate monitoring of the value of the security;
vzpostavi se zanesljiv pravni okvir, ki določa zakupodajalčevo pravno lastništvo sredstva in njegovo zmožnost pravočasnega uresničevanja pravic, ki jih ima kot lastnik; in
there shall be in place a robust legal framework establishing the lessor's legal ownership of the asset and its ability to exercise its rights as owner in a timely fashion; and
kolikor to ni bilo ugotovljeno že pri izračunu višine LGD, razlika med vrednostjo neporavnanega zneska in tržno vrednostjo garancije ne sme biti tako velika, da bi precenila zmanjševanje kreditnega tveganja, ki je pripisano stvarem, danim v zakup.
where this has not already been ascertained in calculating the LGD level, the difference between the value of the unamortised amount and the market value of the security must not be so large as to overstate the credit risk mitigation attributed to the leased assets.
Minimalne zahteve za priznanje drugega stvarnega kreditnega zavarovanja
Minimum requirements for the recognition of 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
Za upravičenost do obravnave iz odstavka 79 v delu 3 mora zavarovanje iz odstavka 23 iz dela 1 izpolnjevati naslednje pogoje:
To be eligible for the treatment set out at Part 3, point 79, the protection referred to in Part 1, point 23 must satisfy the following conditions:
terjatev kreditojemalca do tretje institucije je odkrito zastavljena ali prenesena na posojilno kreditno institucijo in je ta zastavitev ali prenos v vseh pravnih redih pravno učinkovita in izvršljiva.
the borrower's claim against the third party institution is openly pledged or assigned to the lending credit institution and such pledge or assignment is legally effective and enforceable in all relevant jurisdictions;
tretja institucija se obvesti o zastavi ali prenosu;
the third party institution is notified of the pledge or assignment;
zaradi obvestila lahko tretja institucija izvede plačila samo posojilni kreditni instituciji ali drugim strankam s privoljenjem kreditne institucije; in
as a result of the notification, the third party institution is able to make payments solely to the lending credit institution or to other parties with the lending credit institution's consent; and
zastava ali prenos je brezpogojna in nepreklicna.
the pledge or assignment is unconditional and irrevocable.
Police življenjskega zavarovanja, zastavljene posojilni kreditni instituciji
Life insurance policies pledged to the lending credit institution.