natgillin/translations-raw huggingface dataset:
pogodbe o pobotu med različnimi kategorijami produktov za kreditne institucije, ki so jim njihovi pristojni organi odobrili uporabo metode iz dela 6 za posle, ki spadajo v področje uporabe te metode.
contractual cross product netting agreements for credit institutions that have received approval by their competent authorities to use the method set out in Part 6, for transactions falling under the scope of that method.
Pobot med posli, ki jih sklenejo člani skupine, se ne priznava za namene izračunavanja kapitalskih zahtev.
Netting across transactions entered by members of a group is not recognised for the purposes of calculating capital requirements.
Pogoji za priznavanje
Conditions for recognition
Pristojni organi lahko za pogodbe o pobotanju priznajo, da zmanjšujejo tveganje, le pod naslednjimi pogoji:
The competent authorities may recognise contractual netting as risk-reducing only under the following conditions:
kreditna institucija mora s svojo nasprotno stranko skleniti dogovor o pobotu, s katerim vzpostavi eno pravno obveznost, ki zajema vse transakcije, tako da ima v primeru, da nasprotna stranka ne izpolni obveznosti zaradi dolžniške zamude, stečaja, likvidacije ali katerih koli podobnih okoliščin, kreditna institucija odprto terjatev ali pa je dolžna plačati samo neto znesek pozitivne in negativne vrednosti vključenih posameznih transakcij, izračunane glede na tržno vrednost;
a credit institution must have a contractual netting agreement with its counterparty which creates a single legal obligation, covering all included transactions, such that, in the event of a counterparty's failure to perform owing to default, bankruptcy, liquidation or any other similar circumstance, the credit institution would have a claim to receive or an obligation to pay only the net sum of the positive and negative mark-to-market values of included individual transactions,
kreditna institucija mora podati pristojnim organom pisno in obrazloženo pravno mnenje, s čimer bi pri pravni preveritvi pristojna sodišča in upravni organi v točki (i) ugotovili, da so terjatve in obveznosti kreditne institucije omejene na neto znesek, kakor je opisano v (i), in sicer v skladu s:
a credit institution must have made available to the competent authorities written and reasoned legal opinions to the effect that, in the event of a legal challenge, the relevant courts and administrative authorities would, in the cases described under (i), find that the credit institution's claims and obligations would be limited to the net sum, as described in (i), under:
pristojnostjo, pod katero je sodelujoča stranka ustanovljena, in če je v zadevo vpletena tuja podružnica podjetja, tudi pristojnost, pod katero posluje tuja podružnica;
the law of the jurisdiction in which the counterparty is incorporated and, if a foreign branch of an undertaking is involved, also under the law of the jurisdiction in which the branch is located,
pravom, ki ureja posamezne vključene transakcije; in
the law that governs the individual transactions included, and
pravom, ki ureja katero koli pogodbo ali dogovor, ki je podlaga za izvajanje pogodb o pobotanju;
the law that governs any contract or agreement necessary to effect the contractual netting,
kreditna institucija mora imeti opredeljene postopke, s katerimi zagotavlja, da se preverja pravna veljavnost pogodb o pobotanju z vidika morebitnih sprememb v pravnih predpisih;
a credit institution must have procedures in place to ensure that the legal validity of its contractual netting is kept under review in the light of possible changes in the relevant laws,
kreditna institucija hrani vso zahtevano dokumentacijo v svojih evidencah;
the credit institution maintains all required documentation in its files,
učinki pobotanja med različnimi kategorijami produktov se vključijo v merjenje skupne izpostavljenosti kreditnemu tveganju posamezne nasprotne stranke, ki jo opravi kreditna institucija, pri čemer kreditna institucija upravlja s svojim CCR na taki podlagi; in
the effects of netting shall be factored into the credit institution's measurement of each counterparty's aggregate credit risk exposure and the credit institution manages its CCR on such a basis, and
kreditno tveganje do vsake nasprotne stranke se sešteje, da se vzpostavi enotna pravno zavezujoča izpostavljenost za vse posle.
credit risk to each counterparty is aggregated to arrive at a single legal exposure across transactions.
Ta seštevek se vključi v kreditne limite in pri izračunu notranjega kapitala.
This aggregation shall be factored into credit limit purposes and internal capital purposes.
Pristojni organi se morajo strinjati s tem, da so pogodbe o pobotanju pravno veljavne po pravu vsake upoštevane pristojnosti, če je treba, se o tem posvetujejo z drugimi zadevnimi pristojnimi organi.
The competent authorities must be satisfied, if necessary after consulting the other competent authorities concerned, that the contractual netting is legally valid under the law of each of the relevant jurisdictions.
Če se kateri koli pristojni organ ne strinja s tem, se dogovoru o pobotanju ne prizna, da zmanjšuje tveganje za katero koli nasprotno stranko.
If any of the competent authorities are not satisfied in that respect, the contractual netting agreement will not be recognised as risk-reducing for either of the counterparties.
Pogodbi se ne more priznati, da zmanjšuje tveganje, kadar vsebuje določilo, s katerim je sodelujoči stranki, ki ni v zaostanku z izpolnitvijo, dovoljeno, da plačuje omejene zneske ali sploh ne plačuje v korist stranke, ki zaostaja z izpolnitvijo, čeprav je ta neto upnik (t.i. walkaway klavzula).
No contract containing a provision which permits a non-defaulting counterparty to make limited payments only, or no payments at all, to the estate of the defaulter, even if the defaulter is a net creditor (a "walkaway" clause), may be recognised as risk-reducing.
Poleg zgoraj navedenega morajo biti za pogodbe o pobotu med različnimi kategorijami produktov izpolnjena naslednja merila:
In addition , for contractual cross-product netting agreements the following criteria shall be met:
neto vsota iz podtočke (b)(i) tega dela je neto vsota pozitivnih in negativnih vrednosti katerekoli posamezne dvostranske vključene okvirne pogodbe o pobotu in vključenih posameznih poslov, izračunanih glede na pozitivno ali negativno tržno vrednost ("neto znesek za različne kategorije produktov");
the net sum referred to in subpoint (b)(i) of this Part shall be the net sum of the positive and negative close out values of any included individual bilateral master agreement and of the positive and negative mark-to-market value of the individual transactions (the "Cross-Product Net Amount");
pisno in obrazloženo pravno mnenje iz podtočke (b)(ii) tega dela obravnava veljavnost in prisilno izvršljivost celotne pogodbe o pobotu med različnimi kategorijami produktov v skladu s pogoji pogodbe, kakor tudi vpliv pogodbe o pobotu na bistvene določbe vseh morebitnih vključenih individualnih dvostranskih okvirnih pogodb o pobotu.
the written and reasoned legal opinions referred to in subpoint (b)(ii) of this Part shall address the validity and enforceability of the entire contractual cross-product netting agreement under its terms and the impact of the netting arrangement on the material provisions of any included individual bilateral master agreement.
Pravno mnenje je splošno priznano kot tako s strani pravne skupnosti v državi članici, v kateri je kreditna institucija pridobila dovoljenje za poslovanje ali s pravnim memorandumom, ki obrazloženo obravnava vse pomembne zadeve;
A legal opinion shall be generally recognised as such by the legal community in the Member State in which the credit institution is authorised or a memorandum of law that addresses all relevant issues in a reasoned manner;
kreditna institucija ima postopke, vzpostavljene v skladu z podtočko (b)(iii) tega dela, da preveri, ali je posel, ki naj bi se vključil v niz pobotov, upoštevan v pravnem mnenju;
the credit institution shall have procedures in place under subpoint (b)(iii) of this Part to verify that any transaction which is to be included in a netting set is covered by a legal opinion; and
ob upoštevanju pogodbe o pobotu med različnimi kategorijami produktov, kreditna institucija še naprej izpolnjuje zahteve za priznanje dvostranskega pobota in po potrebi tudi zahteve iz členov 90 do 93 za priznanje zmanjšanja kreditnega tveganja v zvezi z vsako posamezno vključeno okvirno pogodbo o pobotu in poslom.
taking into account the contractual cross product netting agreement, the credit institution shall continue to comply with the requirements for the recognition of bilateral netting and the requirements of Articles 90 to 93 for the recognition of credit risk mitigation, as applicable, with respect to each included individual bilateral master agreement and transaction.
Učinki priznanja
Effects of recognition
Pobot za namene delov 5 in 6 se priznava tako, kot je tam navedeno.
Netting for the purposes of Parts 5 and 6 shall be recognised as set out therein.
Pogodbe o novaciji
Contracts for novation
Tehta se enotni neto znesek, ki je določen v pogodbi o novaciji, ne pa bruto zneski.
The single net amounts fixed by contracts for novation, rather than the gross amounts involved, may be weighted.
Zato so v skladu z delom 3 pri
Thus, in the application of Part 3, in:
koraku (a): tekoči nadomestitveni stroški in pri
step (a): the current replacement cost, and in
koraku (b): nominalni zneski glavnice ali osnovne vrednosti
step (b): the notional principal amounts or underlying values
lahko izračunani z upoštevanjem pogodbe o novaciji.
may be obtained taking account of the contract for novation.
Pri uporabi dela 4 se lahko pri koraku (a) izračuna nominalni znesek glavnice z upoštevanjem pogodbe o novaciji; uporabijo se odstotki iz tabele 3.
In the application of Part 4, in step (a) the notional principal amount may be calculated taking account of the contract for novation; the percentages of Table 3 must apply.
Drugi dogovori o pobotu
Other netting agreements
Pri uporabi dela 3 se:
In application of Part 3:
pri koraku (a) lahko izračunajo tekoči nadomestitveni stroški za pogodbe, vključene v dogovor o pobotu tako, da se upoštevajo dejanski hipotetični neto nadomestitveni stroški, ki izhajajo iz dogovora; kadar pobotanja povzročijo neto obveznost kreditne institucije, ki izračunava neto nadomestitvene stroške, se tekoči nadomestitveni stroški izračunajo kot "0", in
in step (a) the current replacement cost for the contracts included in a netting agreement may be obtained by taking account of the actual hypothetical net replacement cost which results from the agreement; in the case where netting leads to a net obligation for the credit institution calculating the net replacement cost, the current replacement cost is calculated as "0", and
pri koraku (b) potencialna bodoča kreditna izpostavljenost pri vseh pogodbah, vključenih v dogovor o pobotu, lahko zmanjša z naslednjo enačbo:
in step (b) the figure for potential future credit exposure for all contracts included in a netting agreement may be reduced according to the following formula:
zmanjšana višina potencialne bodoče kreditne izpostavljenosti za vse pogodbe, sklenjene s isto nasprotno stranko, ki so vključene v pravno veljaven dvostranski dogovor o pobotu
the reduced figure for potential future credit exposure for all contracts with a given counterparty included in a legally valid bilateral netting agreement
vsota višin potencialne bodoče kreditne izpostavljenosti za vse pogodbe, sklenjene z isto nasprotno stranko, ki so vključene v pravno veljaven dvostranski dogovor o pobotu in so izračunane s pomnožitvijo njihovih nominalnih zneskov glavnice in odstotkov iz tabele 1
the sum of the figures for potential future credit exposure for all contracts with a given counterparty which are included in a legally valid bilateral netting agreement and are calculated by multiplying their notional principal amounts by the percentages set out in Table 1
"razmerje neto/bruto": po presoji pristojnih organov:
"net-to-gross ratio": at the discretion of the competent authorities either:
(i) ločen izračun: kvocient med neto nadomestitvenimi stroški za vse pogodbe, vključene v pravno veljaven dvostranski dogovor o pobotu, sklenjen z določeno nasprotno stranko (števec), in bruto nadomestitvenimi stroški za vse pogodbe, vključene v pravno veljaven dvostranski dogovor o pobotu, sklenjen s to nasprotno stranko (imenovalec), bodisi
(i) separate calculation: the quotient of the net replacement cost for all contracts included in a legally valid bilateral netting agreement with a given counterparty (numerator) and the gross replacement cost for all contracts included in a legally valid bilateral netting agreement with that counterparty (denominator), or
(ii) agregatni izračun: kvocient med neto nadomestitvenimi stroški, izračunanih na dvostranski osnovi za vse nasprotne stranke, ob upoštevanju pogodb, vključenih v pravno veljavne dogovore o pobotu (števec), in bruto nadomestitvenimi stroški za vse pogodbe, vključene v pravno veljavne dogovore o pobotu (imenovalec).
(ii) aggregate calculation: the quotient of the sum of the net replacement cost calculated on a bilateral basis for all counterparties taking into account the contracts included in legally valid netting agreements (numerator) and the gross replacement cost for all contracts included in legally valid netting agreements (denominator).
Če države članice kreditnim institucijam dovolijo izbiro metode, morajo te izbrano metodo uporabljati dosledno.
If Member States permit credit institutions a choice of methods, the method chosen is to be used consistently.
Za izračun potencialne bodoče kreditne izpostavljenosti v skladu z zgornjo formulo se lahko popolnoma ustrezajoče si pogodbe, vključene v dogovor o pobotu, upoštevajo kot enotna pogodba, katere nominalni znesek je enaka neto prejemkom.
For the calculation of the potential future credit exposure according to the above formula perfectly matching contracts included in the netting agreement may be taken into account as a single contract with a notional principal equivalent to the net receipts.
Popolnoma ustrezajoče si pogodbe so nestandardizirane terminske pogodbe na tujo valuto ali podobne pogodbe, v katerih je nominalni znesek enaka denarnim tokovom, če ti zapadejo na isti dan ter so v celoti ali delno poravnani v isti valuti.
Perfectly matching contracts are forward foreign-exchange contracts or similar contracts in which a notional principal is equivalent to cash flows if the cash flows fall due on the same value date and fully or partly in the same currency.
Pri uporabi dela 4 se pri koraku (a)
In the application of Part 4, in step (a)
popolnoma ustrezajoče si pogodbe, vključene v dogovor o pobotu, lahko štejejo kot enotna pogodba, katere nominalni znesek je enaka neto prejemkom; nominalni zneski glavnice se pomnožijo z odstotki iz tabele 3, in
perfectly matching contracts included in the netting agreement may be taken into account as a single contract with a notional principal equivalent to the net receipts, the notional principal amounts are multiplied by the percentages given in Table 3, and
lahko pri vseh drugih pogodbah, vključenih v dogovor o pobotu, veljavni odstotki znižajo v skladu s tabelo 6:
for all other contracts included in a netting agreement, the percentages applicable may be reduced as indicated in Table 6:
TABELA 6
TABLE 6
Izvedeni finančni instrumenti na tujo valuto
Foreign-exchange contracts
Več kakor 1 leto, vendar manj kakor 2 leti
More than one year but not more than two years
VRSTE IZVEDENIH FINANČNIH INSTRUMENTOV
TYPES OF DERIVATIVES
Izvedeni finančni instrumenti na obrestno mero:
Interest-rate contracts:
enovalutne zamenjave obrestnih mer;
single-currency interest rate swaps;
dogovori o obrestni meri;
forward rate agreements;
terminske pogodbe na obrestno mero;
interest-rate futures;
kupljene obrestne opcije; in
interest-rate options purchased; and
drugi podobni izvedeni finančni instrumenti.
other contracts of similar nature.
Izvedeni finančni instrumenti na tujo valuto in zlato:
Foreign-exchange contracts and contracts concerning gold:
medvalutne zamenjave obrestnih mer;
cross-currency interest-rate swaps;
nestandardizirane terminske pogodbe na tujo valuto;
forward foreign-exchange contracts;
standardizirane terminske pogodbe na tujo valuto;
currency futures;
kupljene valutne opcije;
currency options purchased;
drugi podobni izvedeni finančni instrumenti; in
other contracts of a similar nature; and
izvedeni finančni instrumenti na zlato, podobni instrumenti kakor tiste od (a) do (e).
contracts concerning gold of a nature similar to (a) to (e).
Izvedeni finančni instrumenti podobnega značaja kakor tiste v točkah 1(a) do (e) in 2(a) do (d) o drugih referenčnih postavkah ali indeksov.
Contracts of a nature similar to those in points 1(a) to (e) and 2(a) to (d) concerning other reference items or indices.
To vključuje najmanj vse instrumente, določene v točkah 4 do 7, 9 in 10 oddelka C Priloge I Direktive 2004/39/ES, ki drugače niso vključeni v odstavku 1 ali 2.
This includes as a minimum all instruments specified in points 4 to 7, 9 and 10 of Section C of Annex I to Directive 2004/39/EC not otherwise included in points 1 or 2.
TEHNIČNA MERILA ZA ORGANIZACIJO IN OBRAVNAVO TVEGANJ
TECHNICAL CRITERIA CONCERNING THE ORGANISATION AND TREATMENT OF RISKS
Uprava iz člena 11 opredeli ukrepe v zvezi z ločevanjem dolžnosti v organizaciji in preprečevanjem navzkrižnih interesov.
Arrangements shall be defined by the management body described in Article 11 concerning the segregation of duties in the organisation and the prevention of conflicts of interest.
OBRAVNAVA TVEGANJ
TREATMENT OF RISKS
Uprava iz člena 11 odobri in redno pregleduje strategije in politike za prevzemanje, upravljanje, spremljanje in zmanjševanje tveganj, katerim je ali bi lahko bila izpostavljena kreditna institucija, vključno s tveganji, ki jih predstavlja makroekonomsko okolje, v katerem institucija posluje, glede na stanje poslovnega cikla.
The management body described in Article 11 shall approve and periodically review the strategies and policies for taking up, managing, monitoring and mitigating the risks the credit institution is or might be exposed to, including those posed by the macroeconomic environment in which it operates in relation to the status of the business cycle.
KREDITNO TVEGANJE IN TVEGANJE NASPROTNE STRANKE
CREDIT AND COUNTERPARTY RISK
Odobritev kreditov temelji na zanesljivih in natančno opredeljenih merilih.
Credit-granting shall be based on sound and well-defined criteria.
Proces odobravanja, spreminjanja, obnavljanja in refinanciranja kreditov je jasno določen.
The process for approving, amending, renewing, and re-financing credits shall be clearly established.
Stalno upravljanje in spremljanje portfeljev in izpostavljenosti, občutljivih na kreditno tveganje, vključno z ugotavljanjem in upravljanjem problematičnih kreditov ter oblikovanjem primernih oslabitev in rezervacij, se izvaja s pomočjo učinkovitih sistemov.
The ongoing administration and monitoring of their various credit risk-bearing portfolios and exposures, including for identifying and managing problem credits and for making adequate value adjustments and provisions, shall be operated through effective systems.
Razpršenost kreditnih portfeljev je ustrezna glede na ciljne trge in splošno strategijo kreditne institucije.
Diversification of credit portfolios shall be adequate given the credit institution's target markets and overall credit strategy.
PREOSTALO TVEGANJE
RESIDUAL RISK
Tveganje, da bi se lahko priznane tehnike za zmanjševanje kreditnega tveganja, ki jih uporablja kreditna institucija, izkazale za manj učinkovite od pričakovanj, se obravnava in kontrolira v skladu s pisnimi politikami in postopki.
The risk that recognised credit risk mitigation techniques used by the credit institution prove less effective than expected shall be addressed and controlled by means of written policies and procedures.
TVEGANJE KONCENTRACIJE
CONCENTRATION RISK
Tveganje koncentracije zaradi izpostavljenosti do nasprotnih strank, skupin povezanih nasprotnih strank ter nasprotnih strank v istem gospodarskem sektorju, v isti geografski regiji ali v isti dejavnosti ali na področju istega blaga, uporaba tehnik za zmanjševanje kreditnega tveganja, vključno zlasti z velikimi posrednimi kreditnimi izpostavljenostmi (npr. enemu samemu izdajatelju zavarovanja s premoženjem), se obravnavajo in kontrolirajo v skladu s pisnimi politikami in postopki.
The concentration risk arising from exposures to counterparties, groups of connected counterparties, and counterparties in the same economic sector, geographic region or from the same activity or commodity, the application of credit risk mitigation techniques, and including in particular risks associated with large indirect credit exposures (e.g. to a single collateral issuer), shall be addressed and controlled by means of written policies and procedures.
TVEGANJA LISTINJENJA
SECURITISATION RISK
Tveganja zaradi poslov listinjenja, v okviru katerih so kreditne institucije v vlogi originatorja ali sponzorja, se ovrednotijo in obravnavajo s primernimi politikami in postopki, s katerimi se zlasti zagotovi, da se ekonomska vsebina posla v celoti odraža v oceni tveganja in odločitvah uprave.
The risks arising from securitisation transactions in relation to which the credit institutions are originator or sponsor shall be evaluated and addressed through appropriate policies and procedures, to ensure in particular that the economic substance of the transaction is fully reflected in the risk assessment and management decisions.
Kreditne institucije, ki so originatorji obnavljajočih se poslov listinjenja, ki vsebujejo določbe o predčasnem odplačilu dolga, vzpostavijo likvidnostne načrte za odpravljanje posledic načrtovanega in predčasnega odplačila.
Liquidity plans to address the implications of both scheduled and early amortization shall exist at credit institutions which are originators of revolving securitisation transactions involving early amortisation provisions.
TRŽNA TVEGANJA
MARKET RISK
Izvajajo se politike in postopki za merjenje in obvladovanje vseh bistvenih virov in vplivov tržnih tveganj.
Policies and processes for the measurement and management of all material sources and effects of market risks shall be implemented.
TVEGANJE SPREMEMBE OBRESTNE MERE IZ NASLOVA BANČNIH AKTIVNOSTI
INTEREST RATE RISK ARISING FROM NON-TRADING ACTIVITIES
Vzpostavijo se sistemi za ovrednotenje in upravljanje s tveganjem zaradi morebitnih sprememb obrestnih mer, ki vplivajo na bančne aktivnosti kreditne institucije.
Systems shall be implemented to evaluate and manage the risk arising from potential changes in interest rates as they affect a credit institution's non-trading activities.
OPERATIVNO TVEGANJE
OPERATIONAL RISK
Izvajajo se politike in procesi za ovrednotenje in upravljanje izpostavljenosti operativnemu tveganju, ki upoštevajo tudi dogodke vrste "majhna frekvenca – velik vpliv".
Policies and processes to evaluate and manage the exposure to operational risk, including to low-frequency high-severity events, shall be implemented.
Kreditne institucije brez poseganja v opredelitev iz člena 4(22) določijo, kaj predstavlja operativno tveganje za namene navedenih politik in postopkov.
Without prejudice to the definition laid down in Article 4(22), credit institutions shall articulate what constitutes operational risk for the purposes of those policies and procedures.
Pripravijo se krizni načrti in načrti neprekinjenega poslovanja, ki kreditni instituciji zagotovijo možnost neprekinjenega poslovanja in omejitev izgub v primeru resne motnje poslovanja.
Contingency and business continuity plans shall be in place to ensure a credit institution's ability to operate on an ongoing basis and limit losses in the event of severe business disruption.
LIKVIDNOSTNO TVEGANJE
LIQUIDITY RISK
Vzpostavijo se trajne in v prihodnost usmerjene politike in procesi za merjenje in upravljanje neto pozicije sredstev ter zahteve.
Policies and processes for the measurement and management of their net funding position and requirements on an ongoing and forward-looking basis shall exist.