natgillin/translations-raw huggingface dataset:
Sistem ocenjevanja operativnega tveganja mora biti tesno vključen v procese upravljanja s tveganji kreditne institucije.
The operational risk assessment system must be closely integrated into the risk management processes of the credit institution.
Njegovi rezultati morajo biti sestavni del procesa spremljanja in kontroliranja profila operativne tveganosti kreditne institucije; in
Its output must be an integral Part of the process of monitoring and controlling the credit institution's operational risk profile.
Kreditne institucije vzpostavijo sistem poročanja vodstvu, s katerim se ustreznim funkcijam v kreditni instituciji zagotavljajo poročila o operativnem tveganju.
Credit institutions shall implement a system of management reporting that provides operational risk reports to relevant functions within the credit institution.
Kreditne institucije imajo tudi postopke za ustrezno ukrepanje v skladu z informacijami, vsebovanimi v poročilih vodstvu.
Credit institutions shall have procedures for taking appropriate action according to the information within the management reports.
Del 3 – Napredni pristopi za merjenje operativnega tveganja
Part 3 – Advanced Measurement Approaches
Da bi bile primerne za uporabo naprednega pristopa za merjenje operativnega tveganja, morajo kreditne institucije pristojnim organom dokazati, da izpolnjujejo spodaj navedene kvalifikacijske kriterije, poleg splošnih standardov upravljanja s tveganji iz člena 22 in Priloge V.
To be eligible for an Advanced Measurement Approach, credit institutions must satisfy the competent authorities that they meet the qualifying criteria below, in addition to the general risk management standards in Article 22 and Annex V.
Kvalitativni kvalifikacijski kriteriji
Qualitative Standards
Sistem kreditne institucije za notranje merjenje operativnega tveganja je tesno vključen v njene vsakdanje procese upravljanja s tveganji.
The credit institution's internal operational risk measurement system shall be closely integrated into its day-to-day risk management processes.
Kreditna institucija mora imeti neodvisno funkcijo upravljanja, pristojno za operativno tveganje.
The credit institution must have an independent risk management function for operational risk.
Obstajati mora redno poročanje o izpostavljenosti operativnemu tveganju in o preteklih izgubah.
There must be regular reporting of operational risk exposures and loss experience.
Kreditna institucija ima postopke za sprejemanje ustreznih korektivnih ukrepov.
The credit institution shall have procedures for taking appropriate corrective action.
Sistem institucije za upravljanje s tveganji mora biti dobro dokumentiran.
The credit institution's risk management system must be well documented.
Kreditna institucija ima tudi vzpostavljene redne postopke za zagotavljanje usklajenost in politike za obravnavo neusklajenosti.
The credit institution shall have routines in place for ensuring compliance and policies for the treatment of non-compliance.
Procesi upravljanja z operativnim tveganjem in sistemi merjenja operativnega tveganja so predmet rednih pregledov, ki jih izvajajo notranjerevizijska služba in/ali zunanja revizijska družba.
The operational risk management processes and measurement systems shall be subject to regular reviews performed by internal and/or external auditors.
Ovrednotenje sistema merjenja operativnega tveganja s strani pristojnih organov vsebuje naslednje elemente:
The validation of the operational risk measurement system by the competent authorities shall include the following elements:
preverjanje, ali se notranji postopki ovrednotenja zadovoljivo izvajajo;
verifying that the internal validation processes are operating in a satisfactory manner;
zagotavljanje preglednosti in dostopnosti podatkovnih tokov in procesov, povezanih s sistemom merjenja tveganja.
making sure that data flows and processes associated with the risk measurement system are transparent and accessible.
Kvantitativni standardi
Quantitative Standards
Kreditne institucije izračunajo svojo kapitalsko zahtevo, z vključitvijo tako pričakovane izgube kakor tudi nepričakovane izgube, razen če lahko dokažejo, da je pričakovana izguba ustrezno zajeta v njihovih notranjih poslovnih praksah.
Credit institutions shall calculate their capital requirement as comprising both expected loss and unexpected loss, unless they can demonstrate that expected loss is adequately captured in their internal business practices.
Mera operativnega tveganja mora zajeti potencialno resne dogodke z repa statistične distribucije izgube, pri čemer mora doseči standard stabilnosti, primerljiv z 99,9 % intervalom zaupanja skozi obdobje enega leta.
The operational risk measure must capture potentially severe tail events, achieving a soundness standard comparable to a 99,9% confidence interval over a one year period.
Sistem kreditne institucije za merjenje operativnega tveganja mora imeti nekatere ključne elemente, da izpolni zgoraj navedeni standard stabilnosti, naveden v odstavku 8.
The operational risk measurement system of a credit institution must have certain key elements to meet the soundness standard set out in point 8.
Ti elementi morajo vključevati uporabo notranjih podatkov, zunanjih podatkov, analize scenarijev in dejavnike, ki odražajo poslovno okolje in notranje kontrolne sisteme, kakor je opredeljeno v odstavkih 13 do 24.
These elements must include the use of internal data, external data, scenario analysis and factors reflecting the business environment and internal control systems as set out in points 13 to 24.
Kreditna institucija mora imeti dobro dokumentiran pristop za tehtanje uporabe teh štirih elementov v svojem celotnem sistemu za merjenje operativnega tveganja.
A credit institution needs to have a well documented approach for weighting the use of these four elements in its overall operational risk measurement system.
Sistem merjenja tveganja zajema glavne dejavnike tveganja, ki vplivajo na obliko repa statistične distribucije ocenjenih izgub.
The risk measurement system shall capture the major drivers of risk affecting the shape of the tail of the loss estimates.
Korelacije pri izgubah iz operativnega tveganja po posameznih ocenah operativnega tveganja se lahko priznajo samo, če kreditne institucije lahko pristojnim organom dokažejo, da so njihovi sistemi merjenja korelacij stabilni, da se izvajajo celovito in da upoštevajo negotovost, ki obkroža vse take ocene korelacij, zlasti v obdobjih izjemnih okoliščin.
Correlations in operational risk losses across individual operational risk estimates may be recognised only if credit institutions can demonstrate to the satisfaction of the competent authorities that their systems for measuring correlations are sound, implemented with integrity, and take into account the uncertainty surrounding any such correlation estimates, particularly in periods of stress.
Kreditne institucije morajo ovrednotiti svoje predpostavke o korelacijah z uporabo kvantitativnih in kvalitativnih tehnik.
The credit institution must validate its correlation assumptions using appropriate quantitative and qualitative techniques.
Sistem merjenja tveganja je notranje dosleden in se izogiba večkratnemu štetju kvalitativnih ocen ali tehnik zmanjševanja tveganja, priznanih na drugih področjih okvira kapitalske ustreznosti.
The risk measurement system shall be internally consistent and shall avoid the multiple counting of qualitative assessments or risk mitigation techniques recognised in other areas of the capital adequacy framework.
Notranji podatki
Internal data
Notranje izračunane mere operativnega tveganja so zasnovane na najkrajšem preteklem obdobju opazovanja pet let.
Internally generated operational risk measures shall be based on a minimum historical observation period of five years.
Ko kreditna institucija prvič preide na napredni pristop za merjenje operativnega tveganja, je sprejemljivo triletno preteklo obdobje opazovanja.
When a credit institution first moves to an Advanced Measurement Approach, a three-year historical observation period is acceptable.
Kreditne institucije morajo biti sposobne razporediti svoje pretekle notranje podatke o izgubi po poslovnih področjih, opredeljenih v delu 2 in po vrstah dogodkov, opredeljenih v delu 5, ter te podatke na zahtevo zagotoviti pristojnim organom.
Credit institutions must be able to map their historical internal loss data into the business lines defined in Part 2 and into the event types defined in Part 5, and to provide these data to competent authorities upon request.
Obstajati morajo dokumentirana, objektivna merila za razporejanje izgub po določenih poslovnih področjih in vrstah dogodkov.
There must be documented, objective criteria for allocating losses to the specified business lines and event types.
Notranji podatki o izgubi kreditne institucije morajo biti celoviti v smislu, da zajemajo vse bistvene dejavnosti in izpostavljenosti iz vseh ustreznih podsistemov in geografskih lokacij.
The credit institution's internal loss data must be comprehensive in that it captures all material activities and exposures from all appropriate sub-systems and geographic locations.
Poleg informacij o bruto zneskih izgube, kreditne institucije zbirajo informacije o datumu dogodka, morebitnih povračilih od bruto zneskov izgube, kakor tudi določene opisne informacije o dejavnikih ali vzrokih škodnega dogodka.
Aside from information on gross loss amounts, credit institutions shall collect information about the date of the event, any recoveries of gross loss amounts, as well as some descriptive information about the drivers or causes of the loss event.
Oblikujejo se posebna merila za razporejanje podatkov o izgubi, ki izhaja iz dogodka v centralizirani funkciji ali dejavnosti, ki se razteza čez več kot eno poslovno področje, kakor tudi iz povezanih dogodkov skozi čas.
There shall be specific criteria for assigning loss data arising from an event in a centralised function or an activity that spans more than one business line, as well as from related events over time.
Kreditne institucije morajo imeti dokumentirane postopke za ocenjevanje tekoče ustreznosti preteklih podatkov o izgubi, vključno s situacijami, pri katerih se lahko uporabijo pomembne presoje, prilagoditvena merila ali druge prilagoditve, ter do katerega obsega se lahko uporabijo in kdo je pooblaščen za sprejemanje takih odločitev.
Credit institutions must have documented procedures for assessing the on-going relevance of historical loss data, including those situations in which judgement overrides, scaling, or other adjustments may be used, to what extent they may be used and who is authorised to make such decisions.
Zunanji podatki
External data
Sistem kreditne institucije za merjenje operativnega tveganja uporablja ustrezne zunanje podatke, zlasti če utemeljeno pričakovati, da je kreditna institucija izpostavljena sicer ne tako pogostim, vendar potencialno hudim izgubam.
The credit institution's operational risk measurement system shall use relevant external data, especially when there is reason to believe that the credit institution is exposed to infrequent, yet potentially severe, losses.
Kreditna institucija mora imeti sistematičen proces za določanje razmer, v katerih se morajo uporabiti zunanji podatki in metodologije za vključitev podatkov v sistem merjenja.
A credit institution must have a systematic process for determining the situations for which external data must be used and the methodologies used to incorporate the data in its measurement system.
Pogoji in prakse za uporabo zunanjih podatkov morajo biti redno preverjani, dokumentirani in podvrženi rednemu neodvisnemu pregledu.
The conditions and practices for external data use must be regularly reviewed, documented and subject to periodic independent review.
Analiza scenarijev
Scenario analysis
Kreditna institucija uporabi analizo scenarijev glede na strokovno mnenje v zvezi z zunanjimi podatki, da ovrednoti svojo izpostavljenost do zelo resnih dogodkov.
The credit institution shall use scenario analysis of expert opinion in conjunction with external data to evaluate its exposure to high severity events.
Te ocene je treba sčasoma ovrednotiti in ponovno oceniti na podlagi primerjave z izkušnjo dejanske izgube zaradi zagotavljanja njihove utemeljenosti.
Over time, such assessments need to be validated and re-assessed through comparison to actual loss experience to ensure their reasonableness.
Dejavniki poslovnega okolja in dejavniki sistema notranjih kontrol
Business environment and internal control factors
Metodologija kreditne institucije za merjenje tveganja na ravni podjetja mora zajeti ključne dejavnike poslovnega okolja in dejavnike sistema notranjih kontrol, ki lahko spremenijo njen profil operativne tveganosti.
The credit institution's firm-wide risk assessment methodology must capture key business environment and internal control factors that can change its operational risk profile.
Izbira vsakega dejavnika mora biti upravičena v smislu, da je pomemben nosilec tveganja, na podlagi izkušenj in vključitve strokovne ocene prizadetih poslovnih področij.
The choice of each factor needs to be justified as a meaningful driver of risk, based on experience and involving the expert judgment of the affected business areas.
Občutljivost ocen tveganja na spremembe dejavnikov in relativna utež različnih dejavnikov morata biti dobro utemeljena.
The sensitivity of risk estimates to changes in the factors and the relative weighting of the various factors need to be well reasoned.
Poleg zajemanja sprememb tveganja zaradi izboljšav kontrole tveganja mora okvir zajeti tudi potencialna povečanja tveganja zaradi večje kompleksnosti dejavnosti ali povečanega poslovnega obsega.
In addition to capturing changes in risk due to improvements in risk controls, the framework must also capture potential increases in risk due to greater complexity of activities or increased business volume.
Ta okvir mora biti dokumentiran in podvržen neodvisnemu pregledu v kreditni instituciji s strani pristojnih organov.
This framework must be documented and subject to independent review within the credit institution and by competent authorities.
Proces in njegovi rezultati morajo biti sčasoma ovrednoteni in ponovno ocenjeni na podlagi primerjave z izkušnjami dejanske notranje izgube in ustreznimi zunanji podatki.
Over time, the process and the outcomes need to be validated and re-assessed through comparison to actual internal loss experience and relevant external data.
VPLIV ZAVAROVANJA IN DRUGE OBLIKE PRENOSA TVEGANJA
IMPACT OF INSURANCE AND OTHER RISK TRANSFER MECHANISMS
Kreditne institucije lahko upoštevajo vpliv zavarovanja v skladu s pogoji, določenimi v odstavkih 26 do 29, in vpliv drugih oblik prenosa tveganja, če pristojnemu organu dokažejo, da s tem dosežejo opazen učinek zmanjševanja tveganj.
Credit institutions shall be able to recognise the impact of insurance subject to the conditions set out in points 26 to 29 and other risk transfer mechanisms where the credit institution can demonstrate to the satisfaction of the competent authorities that a noticeable risk mitigating effect is achieved.
Zavarovatelj je pooblaščen, da zagotovi zavarovanje ali pozavarovanje in zavarovatelj ima za odplačevanje terjatev minimalno bonitetno oceno priznane ECAI, ki po določilih pristojnih organov po pravilih za tehtanje tveganosti izpostavljenosti do kreditnih institucij na podlagi členov 78 do 83 ustreza najmanj stopnji kreditne kvalitete 3..
The provider is authorised to provide insurance or re-insurance and the provider has a minimum claims paying ability rating by an eligible ECAI which has been determined by the competent authority to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to credit institutions under Articles 78 to 83.
Zavarovanje in zavarovalni okvir kreditnih institucij morata izpolnjevati naslednje pogoje:
The insurance and the credit institutions' insurance framework shall meet the following conditions:
zavarovalna polica mora imeti začetno obdobje veljavnosti najmanj eno leto.
the insurance policy must have an initial term of no less than one year.
zavarovalna polica ima minimalni odpovedni rok za preklic pogodbe 90 dni;
the insurance policy has a minimum notice period for cancellation of the contract of 90 days;
zavarovalna polica ne vsebuje nikakršnih izjem ali omejitev, ki jih sprožijo nadzorniška dejanja ali, v primeru kreditne institucije v postopku neprostovoljne likvidacije ali stečaja, ki kreditni instituciji, stečajnemu upravitelju ali likvidacijskemu upravitelju onemogočijo, da izterja nadomestilo za realizirano škodo ali stroške, ki jih je povzročila kreditna institucija, razen v zvezi z dogodki, ki so se pojavili po uvedbi stečajnega ali likvidacijskega postopka v zvezi s kreditno institucijo; pod pogojem, da v zavarovalni polici obstaja možnost izključitve denarne kazni, kazni ali eksemplarične odškodnine, ki so posledica dejanj pristojnih organov;
the insurance policy has no exclusions or limitations triggered by supervisory actions or, in the case of a failed credit institution, that preclude the credit institution receiver or liquidator, from recovering for damages suffered or expenses incurred by the credit institution, except in respect of events occurring after the initiation of receivership or liquidation proceedings in respect of the credit institution; provided that the insurance policy may exclude any fine, penalty, or punitive damages resulting from actions by the competent authorities;
izračuni zmanjšanja tveganja morajo upoštevati zavarovalno kritje na pregleden način v razmerju do dejanske verjetnosti in vpliva izgube, ki je bila uporabljena pri splošnem določanju kapitala za pokrivanje operativnega tveganja, in v skladu s tem;
the risk mitigation calculations must reflect the insurance coverage in a manner that is transparent in its relationship to, and consistent with, the actual likelihood and impact of loss used in the overall determination of operational risk capital;
zavarovanje izda tretja oseba.
the insurance is provided by a third party entity.
V primeru zavarovanja prek lastnih zavarovalnic ali odvisnih podjetij mora biti izpostavljenost prenesena na neodvisno tretjo osebo, na primer prek pozavarovanja, ki izpolnjuje merila primernosti;
In the case of insurance through captives and affiliates, the exposure has to be laid off to an independent third party entity, for example through re-insurance, that meets the eligibility criteria; and
okvir za priznavanje zavarovanja je dobro utemeljen in dokumentiran.
the framework for recognising insurance is well reasoned and documented.
Metodologija za priznavanje zavarovanja zajema naslednje elemente prek popustov ali odbitkov pri vrednotenju priznanega zneska zavarovanja:
The methodology for recognising insurance shall capture the following elements through discounts or haircuts in the amount of insurance recognition:
preostalo obdobje veljavnosti police, če je krajše od enega leta, kakor je navedeno zgoraj;
the residual term of an insurance policy, where less than one year, as noted above;
obdobja za preklic zavarovalne police, če so krajša od enega leta; in
a policy's cancellation terms, where less than one year; and
negotovost plačila, kakor tudi neusklajenosti pri kritju zavarovalnih polic.
the uncertainty of payment as well as mismatches in coverage of insurance policies.
Kapitalsko zmanjšanje, ki izhaja iz priznanja zavarovanja ne presega 20 % kapitalske zahteve za operativno tveganje pred priznanjem tehnik za zmanjševanje tveganja.
The capital alleviation arising from the recognition of insurance shall not exceed 20% of the capital requirement for operational risk before the recognition of risk-mitigation techniques.
VLOGA ZA UPORABO NAPREDNEGA PRISTOPA ZA MERJENJE OPERATIVNEGA TVEGANJA NA RAVNI SKUPINE
APPLICATION TO USE AN ADVANCED MEASUREMENT APPROACH ON A GROUP-WIDE BASIS
Če namerava napredni pristop za merjenje operativnega tveganja uporabiti nadrejena kreditna institucija v EU in njene podrejene družbe ali podrejene družbe nadrejenega finančnega holdinga v EU, mora vloga vsebovati opis metodologije, ki se uporablja za porazdelitev kapitala za pokrivanje operativnega tveganja med različnimi subjekti skupine.
When an Advanced Measurement Approach is intended to be used by the EU parent credit institution and its subsidiaries, or by the subsidiaries of an EU parent financial holding company, the application shall include a description of the methodology used for allocating operational risk capital between the different entities of the group.
V vlogi se navede, ali in kako se nameravajo upoštevati učinki razpršitve v sistemu merjenja tveganja.
The application shall indicate whether and how diversification effects are intended to be factored in the risk measurement system.
Del 4 – Kombinirana uporaba različnih metodologij
Part 4 – Combined use of different methodologies
UPORABA NAPREDNEGA PRISTOPA MERJENJA OPERATIVNEGA TVEGANJA V KOMBINACIJI Z DRUGIMI PRISTOPI
USE OF AN ADVANCED MEASUREMENT APPROACH IN COMBINATION WITH OTHER APPROACHES
Kreditna institucija lahko uporabi napredni pristop merjenja operativnega tveganja v kombinaciji z enostavnim pristopom ali standardiziranim pristopom pod naslednjimi pogoji:
A credit institution may use an Advanced Measurement Approach in combination with either the Basic Indicator Approach or the Standardised Approach, subject to the following conditions:
zajeta so vsa operativna tveganja kreditne institucije.
all operational risks of the credit institution are captured.
Izpolnjena je zahteva pristojnega organa glede metodologije, ki se uporablja za pokrivanje različnih dejavnosti, geografskih lokacij, pravnih struktur ali drugih zadevnih delitev, določenih interno; in
The competent authority shall be satisfied with the methodology used to cover different activities, geographical locations, legal structures or other relevant divisions determined on an internal basis; and
kvalifikacijska merila, določena v delih 2 in 3, so posamično izpolnjeni za del dejavnosti, ki ga pokrivata standardizirani pristop in napredni pristop za merjenje operativnega tveganja.
the qualifying criteria set out in Parts 2 and 3 are fulfilled for the Part of activities covered by the Standardised Approach and Advanced Measurement Approaches respectively.
Na podlagi posamične obravnave primerov lahko pristojni organ naloži naslednje dodatne pogoje:
On a case-by case basis, the competent authority may impose the following additional conditions:
na datum uvedbe naprednega pristopa za merjenje operativnega tveganja je pomemben delež operativnih tveganj kreditne institucije zajet z naprednim pristopom za merjenje operativnega tveganja; in
on the date of implementation of an Advanced Measurement Approach, a significant part of the credit institution's operational risks are captured by the Advanced Measurement Approach; and
kreditna institucija se zaveže, da napredni pristop merjenja razširi na bistveni del svojega poslovanja v časovnem okviru, dogovorjenem s pristojnimi organi.
the credit institution takes a commitment to roll out the Advanced Measurement Approach across a material Part of its operations within a time schedule agreed with its competent authorities.
KOMBINIRANA UPORABA ENOSTAVNEGA PRISTOPA IN STANDARDIZIRANEGA PRISTOPA
COMBINED USE OF THE BASIC INDICATOR APPROACH AND OF THE STANDARDISED APPROACH
Kreditna institucija lahko uporabi kombinacijo enostavnega pristopa in standardiziranega pristopa samo v izjemnih okoliščinah, kot je nedavni prevzem novega podjetja, ki lahko zahteva prehodno obdobje za uvedbo standardiziranega pristopa.
A credit institution may use a combination of the Basic Indicator Approach and the Standardised Approach only in exceptional circumstances such as the recent acquisition of new business which may require a transition period for the roll out of the Standardised Approach.