natgillin/translations-raw huggingface dataset:
Kreditna institucija v vlogi originatorja, ki je glede na listinjenje izračunal zneske tveganju prilagojenih izpostavljenosti v skladu s členom 95, ali sponzorja ne zagotavlja podpore za zmanjšanje morebitnih ali dejanskih izgub investitorjev pri listinjenju, ki presega njene pogodbene obveznosti.
An originator credit institution which, in respect of a securitisation, has made use of Article 95 in the calculation of risk-weighted exposure amounts or a sponsor credit institution shall not, with a view to reducing potential or actual losses to investors, provide support to the securitisation beyond its contractual obligations.
Zahteve po minimalnih lastnih sredstvih za operativno tveganje
Minimum own funds requirements for operational risk
Pristojni organi od kreditnih institucij zahtevajo, da vzdržujejo lastna sredstva za operativna tveganja v skladu s pristopi iz členov 103, 104 in 105.
Competent authorities shall require credit institutions to hold own funds against operational risk in accordance with the approaches set out in Articles 103, 104 and 105.
Brez poseganja v odstavek 4 se kreditne institucije, ki uporabljajo pristop iz člena 104, ne vrnejo na uporabo pristopa iz člena 103, razen iz dokazano upravičenega razloga in pod pogojem, da jim to odobrijo pristojni organi.
Without prejudice to paragraph 4, credit institutions that use the approach set out in Article 104 shall not revert to the use of the approach set out in Article 103, except for demonstrated good cause and subject to approval by the competent authorities.
Brez poseganja v odstavek 4 se kreditne institucije, ki uporabljajo pristop iz člena 105, ne vrnejo na uporabo pristopov iz členov 103 ali 104, razen iz dokazano upravičenega razloga in pod pogojem, da jim to odobrijo pristojni organi.
Without prejudice to paragraph 4, credit institutions that use the approach set out in Article 105 shall not revert to the use of the approaches set out in Articles 103 or 104 except for demonstrated good cause and subject to approval by the competent authorities.
Pristojni organi lahko kreditnim institucijam dovolijo uporabo kombinacije pristopov v skladu z delom 4 Priloge X.
Competent authorities may allow credit institutions to use a combination of approaches in accordance with Annex X, Part 4.
Kapitalska zahteva za operativno tveganje na podlagi enostavnega pristopa je določen odstotek osnove za izračun kapitalske zahteve za operativno tveganje, v skladu s parametri iz dela 1 Priloge X.
The capital requirement for operational risk under the Basic Indicator Approach shall be a certain percentage of a relevant indicator, in accordance with the parameters set out in Annex X, Part 1.
V okviru standardiziranega pristopa kreditne institucije razdelijo svoje dejavnosti v določeno število poslovnih področij iz dela 2 Priloge X.
Under the Standardised Approach, credit institutions shall divide their activities into a number of business lines as set out in Annex X, Part 2.
Za vsako poslovno področje kreditne institucije izračunajo kapitalsko zahtevo za operativno tveganje kot določen odstotek osnove za izračun kapitalske zahteve za operativno tveganje, v skladu s parametri iz dela 2 Priloge X.
For each business line, credit institutions shall calculate a capital requirement for operational risk as a certain percentage of a relevant indicator, in accordance with the parameters set out in Annex X, Part 2.
Za nekatera poslovna področja lahko pristojni organi v skladu z odstavki 5 do 11 dela 2 Priloge X pod določenimi pogoji dovolijo kreditni instituciji uporabo ustreznega alternativnega kazalca za določanje svojih kapitalskih zahtev za operativno tveganje.
For certain business lines, the competent authorities may under certain conditions authorise a credit institution to use an alternative relevant indicator for determining its capital requirement for operational risk as set out in Annex X, Part 2, points 5 to 11.
Kapitalska zahteva za operativno tveganje na podlagi standardiziranega pristopa je vsota kapitalskih zahtev za operativno tveganje vseh posameznih poslovnih področij.
The capital requirement for operational risk under the Standardised Approach shall be the sum of the capital requirements for operational risk across all individual business lines.
Parametri za standardizirani pristop so določeni v delu 2 Priloge X.
The parameters for the Standardised Approach are set out in Annex X, Part 2.
Kreditna institucija se kvalificira za uporabo standardiziranega pristopa, če izpolnjuje merila iz dela 2 Priloge X.
To qualify for use of the Standardised Approach, credit institutions shall meet the criteria set out in Annex X, Part 2.
Kreditne institucije lahko uporabljajo napredne pristope za merjenje operativnega tveganja na podlagi lastnega sistema za merjenje operativnega tveganja, če pristojni organ izrecno odobri uporabo zadevnih modelov za izračun zahtev po lastnih sredstvih.
Credit institutions may use Advanced Measurement Approaches based on their own operational risk measurement systems, provided that the competent authority expressly approves the use of the models concerned for calculating the own funds requirement.
Kreditne institucije morajo pristojnim organom dokazati, da izpolnjujejo kvalifikacijske kriterije iz dela 3 Priloge X.
Credit institutions shall satisfy their competent authorities that they meet the qualifying criteria set out in Annex X, Part 3.
Če nadrejena kreditna institucija EU in njene podrejene družbe ali podrejene družbe nadrjenega finančnega holdinga EU nameravajo začeti uporabljati napredni pristop za merjenje operativnega tveganja, pristojni organi različnih pravnih subjektov tesno sodelujejo, kakor je predvideno v členih 129 do 132.
When an Advanced Measurement Approach is intended to be used by an EU parent credit institution and its subsidiaries or by the subsidiaries of an EU parent financial holding company, the competent authorities of the different legal entities shall cooperate closely as provided for in Articles 129 to 132.
Vloga vsebuje elemente, naštete v delu 3 Priloge X.
The application shall include the elements listed in Annex X, Part 3.
Če nadrejena kreditna institucija EU in njene podrejene družbe ali podrejene družbe nadrejenega finančnega holdinga EU uporabljajo enotni napredni pristop za merjenje operativnega tveganja, lahko pristojni organi dovolijo, da nadrejena družba in njene podrejene družbe skupaj izpolnjujejo kvalifikacijske kriterije iz dela 3 Priloge X.
Where an EU parent credit institution and its subsidiaries or the subsidiaries of an EU parent financial holding company use an Advanced Measurement Approach on a unified basis, the competent authorities may allow the qualifying criteria set out in Annex X, Part 3 to be met by the parent and its subsidiaries considered together.
"Izpostavljenosti" v tem oddelku pomenijo katero koli sredstvo in zunajbilančno postavko iz pododdelka 1 oddelka 3, brez tam predpisanih uteži tveganja ali stopenj tveganja.
"Exposures", for the purposes of this Section, shall mean any asset or off-balance-sheet item referred to in Section 3, Subsection 1, without application of the risk weights or degrees of risk there provided for.
Izpostavljenosti, ki izhajajo iz postavk, navedenih v Prilogi IV, se izračunajo na podlagi ene od metod, določenih v Prilogi III.
Exposures arising from the items referred to in Annex IV shall be calculated in accordance with one of the methods set out in Annex III.
Za namene tega oddelka se uporablja tudi odstavek 2 dela 2 Priloge III.
For the purposes of this Section, Annex III, Part 2, point 2 shall also apply.
Vse elemente, ki so povsem kriti z lastnimi sredstvi, se lahko v dogovoru s pristojnimi organi izključi iz opredelitve izpostavljenosti, če ta lastna sredstva niso vključena v lastna sredstva kreditne institucije za namene člena 75 ali v izračun drugih finančnih kazalcev, ki jih predvidevata ta direktiva in drugi akti Skupnosti.
All elements entirely covered by own funds may, with the agreement of the competent authorities, be excluded from the determination of exposures, provided that such own funds are not included in the credit institution's own funds for the purposes of Article 75 or in the calculation of other monitoring ratios provided for in this Directive and in other Community acts.
Izpostavljenosti ne vključujejo:
Exposures shall not include either of the following:
pri poslih s tujimi valutami izpostavljenosti, ki nastanejo v običajnem poteku poravnave v 48 urah po plačilu; ali
in the case of foreign exchange transactions, exposures incurred in the ordinary course of settlement during the 48 hours following payment; or
pri poslih nakupa ali prodaje vrednostnih papirjev izpostavljenosti, ki nastanejo v običajnem poteku poravnave v petih dneh od plačila ali izročitve vrednostnih papirjev, kar pač nastopi prej.
in the case of transactions for the purchase or sale of securities, exposures incurred in the ordinary course of settlement during the five working days following payment or delivery of the securities, whichever is the earlier.
Za izvajanje tega oddelka izraz "kreditna institucija" obsega naslednje:
For the purposes of applying this Section, the term "credit institution" shall cover the following:
kreditno institucijo vključno z njenimi podružnicami v tretjih državah; in
a credit institution, including its branches in third countries; and
katero koli zasebno ali javno podjetje, vključno z njegovimi podružnicami, ki ustreza opredelitvi "kreditne institucije" in je pridobilo dovoljenje za opravljanje storitev v tretji državi.
any private or public undertaking, including its branches, which meets the definition of "credit institution" and has been authorised in a third country.
Izpostavljenost kreditne institucije do osebe ali skupine povezanih oseb se šteje za veliko izpostavljenost, če je njena vrednost enaka ali večja od 10 % njenih lastnih sredstev.
A credit institution's exposure to a client or group of connected clients shall be considered a large exposure where its value is equal to or exceeds 10% of its own funds.
Pristojni organi zahtevajo, da ima vsaka kreditna institucija zanesljive upravne in računovodske postopke ter ustrezne mehanizme notranje kontrole za identificiranje in evidentiranje vseh velikih izpostavljenosti ter njihovih naknadnih sprememb, v skladu s to direktivo, in za spremljanje izpostavljenosti vsake kreditne institucije glede na njeno lastno politiko izpostavljenosti.
The competent authorities shall require that every credit institution have sound administrative and accounting procedures and adequate internal control mechanisms for the purposes of identifying and recording all large exposures and subsequent changes to them, in accordance with this Directive, and for that of monitoring those exposures in the light of each credit institution's own exposure policies.
Kreditna institucija pristojnim organom poroča o vsaki veliki izpostavljenosti.
A credit institution shall report every large exposure to the competent authorities.
Države članice po svoji presoji poskrbijo, da se poroča v skladu z eno izmed naslednjih dveh metod:
Member States shall provide that reporting is to be carried out, at their discretion, in accordance with one of the following two methods:
poročanje o vseh velikih izpostavljenostih vsaj enkrat letno, skupaj s poročanjem med letom o vseh novih velikih izpostavljenostih in o vsakem povečanju obstoječih velikih izpostavljenosti, ki vsaj za 20 % presegajo vrednosti iz prejšnjega poročila; ali
reporting of all large exposures at least once a year, combined with reporting during the year of all new large exposures and any increases in existing large exposures of at least 20% with respect to the previous communication; or
poročanje o vseh velikih izpostavljenostih vsaj štirikrat letno.
reporting of all large exposures at least four times a year.
Razen v primeru kreditnih institucij, ki uporabljajo člen 114 za priznavanje zavarovanja pri izračunu vrednosti izpostavljenosti za namene odstavkov 1, 2 in 3 člena 111, izpostavljenostih, ki so izvzete v skladu s členom 113(3)(a) do (d) in (f) do (h), ni treba poročati, kakor določa odstavek 1 tega člena, in pogostost poročanja, določena v točki (b) odstavka 1 tega člena se lahko pri izpostavljenostih iz člena 113(3)(e) in (i) in iz členov 115 in 116 zmanjša na dvakrat letno.
Except in the case of credit institutions relying on Article 114 for the recognition of collateral in calculating the value of exposures for the purposes of paragraphs 1, 2 and 3 of Article 111, exposures exempted under Article 113(3)(a) to (d) and (f) to (h) need not be reported as laid down in paragraph 1 and the reporting frequency laid down in point (b) of paragraph 1 of this Article may be reduced to twice a year for the exposures referred to in Article 113(3)(e) and (i), and in Articles 115 and 116.
Če se kreditna institucija sklicuje na ta odstavek, mora hraniti evidenco navedenih razlogov vsaj eno leto po dogodku, zaradi katerega je prišlo do izvzetja, zato da lahko pristojni organi ugotovijo, ali je bilo to upravičeno.
Where a credit institution invokes this paragraph, it shall keep a record of the grounds advanced for at least one year after the event giving rise to the dispensation, so that the competent authorities may establish whether it is justified.
Države članice lahko od kreditnih institucij zahtevajo, da analizirajo morebitne koncentracije svoje izpostavljenosti do izdajateljev zavarovanj s premoženjem in po potrebi ukrepajo ali o pomembnih ugotovitvah poročajo svojim pristojnim organom.
Member States may require credit institutions to analyse their exposures to collateral issuers for possible concentrations and where appropriate take action or report any significant findings to their competent authority.
Kreditna institucija ne sme prevzeti izpostavljenosti do osebe ali skupine povezanih oseb, katere vrednost presega 25% njenih lastnih sredstev.
A credit institution may not incur an exposure to a client or group of connected clients the value of which exceed 25% of its own funds.
Če je oseba ali skupina povezanih oseb nadrejena družba ali podrejena družba kreditne institucije in/ali eno ali več podrejenih družb te nadrejene družbe, se odstotek, določen v odstavku 1, zmanjša na 20 %.
Where that client or group of connected clients is the parent undertaking or subsidiary of the credit institution and/or one or more subsidiaries of that parent undertaking, the percentage laid down in paragraph 1 shall be reduced to 20%.
Države članice pa lahko izvzamejo izpostavljenosti do takih oseb iz 20% zgornje meje, če zagotovijo posebno spremljanje takih izpostavljenosti z drugimi ukrepi ali postopki.
Member States may, however, exempt the exposures incurred to such clients from the 20% limit if they provide for specific monitoring of such exposures by other measures or procedures.
Komisijo in Evropski odbor za bančništvo morajo obvestiti o vsebini takih ukrepov ali postopkov.
They shall inform the Commission and the European Banking Committee of the content of such measures or procedures.
Kreditna institucija ne sme imeti velikih izpostavljenosti, ki bi skupaj presegle 800 % njenih lastnih sredstev.
A credit institution may not incur large exposures which in total exceed 800% of its own funds.
Kreditna institucija mora glede svojih izpostavljenosti vedno upoštevati zgornje meje, določene v odstavkih 1, 2 in 3.
A credit institution shall at all times comply with the limits laid down in paragraphs 1, 2 and 3 in respect of its exposures.
Če v izjemnem primeru izpostavljenosti presežejo te zgornje meje, je treba o tem nemudoma obvestiti pristojne organe, ki lahko, če to dopuščajo okoliščine, kreditni instituciji odobrijo neko časovno obdobje, v katerem se mora uskladiti z navedenimi zgornjimi mejami.
If in an exceptional case exposures exceed those limits, that fact shall be reported without delay to the competent authorities which may, where the circumstances warrant it, allow the credit institution a limited period of time in which to comply with the limits.
Za namene členov 113 do 117 izraz "jamstvo" vključuje kreditne izvedene finančne instrumente, priznane na podlagi členov 90 do 93, razen kreditnih zapisov.
For the purposes of Articles 113 to 117, the term "guarantee" shall include credit derivatives recognised under Articles 90 to 93 other than credit linked notes.
Ob upoštevanju odstavka 3, kjer se na podlagi členov 113 do 117 lahko dovoli priznanje stvarnega ali osebnega kreditnega zavarovanja, se za to zahteva izpolnjevanje vseh zahtev za primernost in drugih minimalnih zahtev iz členov 90 do 93 za namene izračuna zneskov tveganju prilagojenih izpostavljenosti iz členov 78 do 83.
Subject to paragraph 3, where, under Articles 113 to 117, the recognition of funded or unfunded credit protection may be permitted, this shall be subject to compliance with the eligibility requirements and other minimum requirements, set out under Articles 90 to 93 for the purposes of calculating risk-weighted exposure amounts under Articles 78 to 83.
Če kreditna institucija uporablja člen 114(2), se za priznanje stvarnega ali osebnega kreditnega zavarovanja uporabljajo ustrezne zahteve iz členov 84 do 89.
Where a credit institution relies upon Article 114(2), the recognition of funded credit protection shall be subject to the relevant requirements under Articles 84 to 89.
Države članice lahko naložijo strožje zgornje meje od tistih, določenih v členu 111.
Member States may impose limits more stringent than those laid down in Article 111.
Države članice lahko iz uporabe člena 111(1), (2) in (3) v celoti ali delno izvzamejo izpostavljenosti kreditne institucije do nadrejene družbe, drugih podrejenih družb te nadrejene družbe ali lastnih podrejenih družb, če so te družbe in tudi sama kreditna institucija vključene v nadzor na konsolidirani osnovi, v skladu s to direktivo ali z enakovrednimi standardi, ki veljajo v tretji državi.
Member States may fully or partially exempt from the application of Article 111(1), (2) and (3) exposures incurred by a credit institution to its parent undertaking, to other subsidiaries of that parent undertaking or to its own subsidiaries, in so far as those undertakings are covered by the supervision on a consolidated basis to which the credit institution itself is subject, in accordance with this Directive or with equivalent standards in force in a third country.
Države članice lahko v celoti ali delno izvzamejo iz uporabe člena 111 naslednje izpostavljenosti:
Member States may fully or partially exempt the following exposures from the application of Article 111:
postavke sredstev, ki predstavljajo terjatve do enot centralne ravni držav ali centralnih bank, ki bi nezavarovane na podlagi členov 78 do 83 prejele utež tveganja 0 %;
asset items constituting claims on central governments or central banks which, unsecured, would be assigned a 0% risk weight under Articles 78 to 83;
postavke sredstev, ki predstavljajo terjatve mednarodnih organizacij ali mednarodnih razvojnih bank, ki bi nezavarovane na podlagi členov 78 do 83 prejele utež tveganja 0 %;
asset items constituting claims on international organisations or multilateral development banks which, unsecured, would be assigned a 0% risk weight under Articles 78 to 83;
postavke sredstev, ki predstavljajo terjatve z izrecnimi osebnimi jamstvi enot centralne ravni držav, centralnih bank, mednarodnih organizacij, multilateralnih razvojnih bank ali oseb javnega sektorja, če bi nezavarovane terjatve do subjekta, ki zagotavlja osebno jamstvo, na podlagi členov 78 do 83 dosegle utež tveganja 0 %;
asset items constituting claims carrying the explicit guarantees of central governments, central banks, international organisations, multilateral development banks or public sector entities, where unsecured claims on the entity providing the guarantee would be assigned a 0% risk weight under Articles 78 to 83;
druge izpostavljenosti do ali za katere osebno jamčijo enote centralne ravni držav, centralne banke, mednarodne organizacije, multilateralne razvojne banke ali osebe javnega sektorja, če bi nezavarovane terjatve do subjekta, kateremu se pripiše izpostavljenost ali ki osebno jamči za izpostavljenost, na podlagi členov 78 do 83 prejele utež tveganja 0 %;
other exposures attributable to, or guaranteed by, central governments, central banks, international organisations, multilateral development banks or public sector entities, where unsecured claims on the entity to which the exposure is attributable or by which it is guaranteed would be assigned a 0% risk weight under Articles 78 to 83;
postavke sredstev, ki predstavljajo terjatve in druge izpostavljenosti do enot centralne ravni države ali centralnih bank, ki niso navedene v odstavku (a) zgoraj, denominirane in po potrebi vplačane v nacionalnih valutah posojilojemalcev;
asset items constituting claims on and other exposures to central governments or central banks not mentioned in point (a) which are denominated and, where applicable, funded in the national currencies of the borrowers;
postavke sredstev in druge izpostavljenosti, zavarovane, kakor zahtevajo pristojni organi, z dolžniškimi vrednostnimi papirji, ki jih izdajo enote centralne ravni države ali centralne banke, mednarodne organizacije, multilateralne razvojne banke ali enote regionalne ali lokalne ravni države v državah članicah ali osebe javnega sektorja, katerih vrednostni papirji predstavljajo terjatve do izdajatelja, ki bi na podlagi členov 78 do 83 prejele utež tveganja 0 %;
asset items and other exposures secured, to the satisfaction of the competent authorities, by collateral in the form of debt securities issued by central governments or central banks, international organisations, multilateral development banks, Member States' regional governments, local authorities or public sector entities, which securities constitute claims on their issuer which would be assigned a 0% risk weighting under Articles 78 to 83;
postavke sredstev in druge izpostavljenosti, zavarovane, kakor zahtevajo pristojni organi, z gotovinskimi vlogami, položenimi pri posojilni kreditni instituciji ali pri kreditni instituciji, ki je nadrejena družba ali podrejena družba te posojilne institucije;
asset items and other exposures secured, to the satisfaction of the competent authorities, by collateral in the form of cash deposits placed with the lending credit institution or with a credit institution which is the parent undertaking or a subsidiary of the lending institution;
postavke sredstev in druge izpostavljenosti, zavarovane, kakor zahtevajo pristojni organi, s potrdili o vlogah, ki jih je izdala posojilna kreditna institucija ali kreditna institucija, ki je nadrejena družba ali podrejena družba te posojilne kreditne institucije, in so v hrambi pri eni od njih;
asset items and other exposures secured, to the satisfaction of the competent authorities, by collateral in the form of certificates of deposit issued by the lending credit institution or by a credit institution which is the parent undertaking or a subsidiary of the lending credit institution and lodged with either of them;
postavke sredstev, ki predstavljajo terjatve in druge izpostavljenosti do institucij, z dospelostjo enega leta ali manj, vendar ne predstavljajo lastnih sredstev teh institucij;
asset items constituting claims on and other exposures to institutions, with a maturity of one year or less, but not constituting such institutions" own funds;
postavke sredstev, ki predstavljajo terjatve in druge izpostavljenosti z dospelostjo enega leta ali manj do tistih institucij, ki niso kreditne institucije, vendar pa izpolnjujejo pogoje, opredeljene v odstavku 85 dela 1 Priloge VI, in so zavarovane v skladu z istim odstavkom;
asset items constituting claims on and other exposures to those institutions which are not credit institutions but which fulfil the conditions referred to in Annex VI, Part 1, point 85, with a maturity of one year or less, and secured in accordance with the same point;
trgovske menice in druge podobne menice, z dospelostjo enega leta ali manj, na katerih so podpisi drugih kreditnih institucij;
bills of trade and other similar bills, with a maturity of one year or less, bearing the signatures of other credit institutions;