#587731
Déanfaidh institiúid an coimeádachas a bhailíochtú go rialta.
An institution shall validate the conservatism regularly.
Scag na torthaí
Bailiúcháin
Foirmeacha na bhfocal
26 toradh in 4 dhoiciméad
#585877
cuirfidh institiúid corrlach choimeádachais lena meastacháin a bhaineann le raon ionchasach na n-earráidí meastacháin.
an institution shall add to its estimates a margin of conservatism that is related to the expected range of estimation errors.
#2338080
Corrlach an choimeádachais
Margin of conservatism
#2338110
an corrlach coimeádachais a cuireadh i bhfeidhm i gcomhréir le hAirteagal 44;
the margin of conservatism applied in accordance with Article 44;
#2338139
an corrlach coimeádachais,
the margin of conservatism;
#2338065
i gcás ina mbeidh sainmhínithe éagsúla ar mhainneachtain sna dlínsí ina n-oibríonn an institiúid, ar leordhóthanacht na mbeart agus ar an gcoimeádachas lenar ghlac an institiúid;
where default definitions vary across the jurisdictions in which the institution operates, the adequacy of measures and conservatism adopted by the institution;
#585878
I gcás ina meastar nach bhfuil na modhanna agus na sonraí sásúil nó go bhfuil raon ionchasach na n-earráidí níos mó, bheidh an corrlach choimeádachais níos mó.
Where methods and data are considered to be less satisfactory, the expected range of errors is larger, the margin of conservatism shall be larger.
#585897
I gcás ina bhfuil athrú ar chaighdeáin frithgheallta nó ar na córais rátála, cuirfidh an institiúid corrlach choimeádachais lena meastachán PD;
Where underwriting standards or rating systems have changed, the institution shall add a greater margin of conservatism in its estimate of PD;
#586045
I gcás nach bhfuil ach méid teoranta sonraí ábhartha ar fáil, cuirfidh an institiúid corrlaigh choimeádachais iomchuí leo;
Where only limited relevant data is available the institution shall add appropriate margins of conservatism;
#587730
Déanfar méid an choimeádachais ábhartha a mheasúnú ach faomhadh tosaigh a fháil ó na húdaráis inniúla agus le linn na n-athbhreithnithe maoirseachta rialta ar shamhlacha EPE.
The degree of relative conservatism will be assessed upon initial approval by the competent authorities and at the regular supervisory reviews of the EPE models.
#2337352
I ngach uile cás, ba cheart do na húdaráis inniúla measúnú a dhéanamh ar cibé ar ghlac an institiúid corrlach leordhóthanach coimeádachais ina meastacháin ar pharaiméadair phriacail.
In all cases, the competent authorities should assess whether the institution has adopted sufficient margin of conservatism in their estimates of risk parameters.
#2337359
Ar deireadh, i gcás ina bhfuil neamhchinnteacht mhéadaithe ann go dtagann na torthaí ó shonraí atá neamhleor, ba cheart do na húdaráis inniúla a fhíorú gur glacadh corrlach breise coimeádachais.
Finally, whenever there is an increased uncertainty that results from insufficient data, competent authorities should verify that an additional margin of conservatism has been adopted.
#2338016
go gcuirfear gach faisnéis ábhartha nach mbreithnítear sa tsamhail san áireamh agus go gcuirfear leibhéal coimeádachais leormhaith i bhfeidhm;
all relevant information not considered in the model is taken into account and an adequate level of conservatism is applied;
#2337334
Níor cheart an modh seo a bhaineann le coimeádachas breise a chur i bhfeidhm ar ríomh ualaí priacal a shonrú mar féadfaidh an institiúid an rátáil, meastachán an pharaiméadair phriacail nó an t-ualach priacail a choigeartú go díreach.
The method of applying additional conservatism in the calculation of risk weights should not be specified as the institution may adjust either the rating, the risk parameter estimation or the risk weight directly.
#2497097
Agus na breithnithe sin agus an coimeádachas ionsuite i measúnú iontógála an Údaráis á gcur san áireamh, ar mheasúnú é a d’úsáid nochtadh cothúcháin an 95ú peircintíl chun MoE nicile atá ina ábhar imní íseal ó thaobh na sláinte de a dhíorthú, measann an Coimisiún nach dócha go mbeidh an baol ann go n-eascróidh frithghníomhartha ailléirgeacha de bharr deirmitíteas teagmhála san aoisghrúpa sin den daonra san fhíorshaoil.
Taking into account these considerations and the built-in conservativism in the Authority’s intake assessment that used the 95th percentile dietary exposure to derive the nickel MoE of low health concern, the Commission considers that the risk of elicitation of contact dermatitis allergic reactions to that age group of the population is unlikely to manifest in real life situations.
#585960
Cuimseofar sa mheastachán ar an bhfachtóir coinbhéartachta corrlach choimeádachais níos mó más féidir súil a bheith acu go réasúnach le comhghaol deimhneach níos láidre idir minicíocht na mainneachtana agus méad an fhachtóra coinbhéartaigh;
The conversion factor estimate shall incorporate a larger margin of conservatism where a stronger positive correlation can reasonably be expected between the default frequency and the magnitude of conversion factor;
#2337332
Thairis sin, de réir na rialach ginearálta a bhaineann leis na paraiméadair phriacail a mheas, i gcás ina bhfuil meastachán na bparaiméadar priacal bunaithe ar shonraí atá neamhleor nó ar thoimhdí, ba cheart corrlach choimeádachais níos leithne a ghlacadh.
In addition, according to the general rule relating to the estimation of the risk parameters, where the estimation of risk parameters is based on insufficient data or assumptions, a wider margin of conservatism should be adopted.
#2747609
Méid an choimeádachais a cheanglaítear i meastacháin chun risíochtaí arna n-úsáid mar rogha mhalartach ar na risíochtaí foluiteacha chun críocha Airteagal 76(2) de Rialachán (AE) Uimh. 575/2013 a ríomh
Extent of conservatism required in estimates for calculating exposures used as an alternative to the underlying exposures for the purposes of Article 76(2) of Regulation (EU) No 575/2013
#2337333
Ba cheart feidhm a bheith ag an riail chéanna maidir leis an bpróiseas a bhaineann le sannadh na risíochtaí do ghráid nó do chomhthiomsuithe, i.e. i gcás ina ndéantar faisnéis neamhleor a chur san áireamh sa phróiseas sannta, ba cheart níos mó coimeádachais a ghlacadh nuair atáthar ag ríomh ualaí na bpriacal.
The same rule should apply to the process of assignment of exposures to grades or pools, i.e. where insufficient information has been taken into account in the assignment process, additional conservatism should be adopted in the calculation of risk weights.
#2337353
Ba cheart aon easnamh sainaitheanta sna sonraí nó sna modhanna a úsáideadh sa chainníochtú priacal agus an neamhchinnteacht mhéadaithe a d’fhéadfadh a bheith mar thoradh, mar shampla, ar na hathruithe sna beartais iasachtaithe nó téarnaimh, a chur san áireamh sa chorrlach coimeádachais sin.
This margin of conservatism should take into account any identified deficiencies in data or methods used in the risk quantification and increased uncertainty that might result for example from the changes in the lending or recovery policies.
#2337355
Níor cheart feidhmiú an chorrlaigh coimeádachais a úsáid mar rogha mhalartach ar na samhlacha a cheartú agus a áirithiú go gcomhlíonann siad ceanglais Rialachán (AE) Uimh. 575/2013 ina n-iomláine.
The application of the margin of conservatism should not be used as an alternative to correcting the models and ensuring their full compliance with the requirements of Regulation (EU) No 575/2013.
#2338081
Déanfaidh na húdaráis inniúla measúnú i dtaobh an áirítear corrlach iomchuí coimeádachais i luachanna na bparaiméadar priacail a úsáidtear chun ceanglais chaipitil a ríomh dá dtagraítear i bpointe (f) d’Airteagal 179(1) de Rialachán (AE) Uimh. 575/2013, sna cásanna seo a leanas:
Competent authorities shall assess whether an appropriate margin of conservatism is included in the values of risk parameters used in the calculation of capital requirements as referred to in point (f) of Article 179(1) of Regulation (EU) No 575/2013, in the following situations:
#2338085
Déanfaidh na húdaráis inniúla measúnú i dtaobh nach n-úsáideann na hinstitiúidí an corrlach coimeádachais in ionad aon ghníomhaíochta ceartaithí a chuireann an institiúid i bhfeidhm faoi Airteagal 146 de Rialachán (AE) Uimh. 575/2013.
Competent authorities shall assess whether the institutions do not use the margin of conservativism as a substitute to any corrective action applied by the institution under Article 146 of Regulation (EU) No 575/2013.
#2338093
go mbeidh comhsheasmhacht idir na caighdeáin maidir le frithghealladh agus na córais rátála a bheidh i bhfeidhm agus gur úsáideadh caighdeáin inchomparáide maidir le frithghealladh an tráth a gineadh na sonraí mainneachtana inmheánacha nó go ndeachthas i ngleic le hathruithe ar chaighdeáin maidir le frithghealladh agus ar chórais rátála tríd an gcorrlach coimeádachais a chur i bhfeidhm dá dtagraítear i bpointe (c) d’Airteagal 44(1);
that there is consistency between underwriting standards and the rating systems in place and that comparable underwriting standards were used at the time of generating the internal default data or that changes in underwriting standards and rating systems have been addressed by applying the margin of conservatism as referred to in point (c) of Article 44(1);
#2338104
cuirtear corrlach iomchuí coimeádachais i bhfeidhm i gcás, tar éis modha iomchuí dá dtagraítear i bpointe (a) a chur i bhfeidhm, ina bhfuarthas nach raibh an meastachán ar na meáin de rátaí mainneachtana iontaofa nó go bhfuil teorainneacha eile leis.
an appropriate margin of conservatism is applied where, after applying an appropriate method as referred to in point (a), the estimation of the averages of default rates is found to be unreliable or to have other limitations.
#2747534
a mhéid coimeádachais a cheanglaítear i meastacháin a úsáidtear mar mhalairt ar ríomh na risíochtaí foluiteacha le haghaidh sealúchais indíreacha a eascraíonn as sealúchais innéacs agus an bhrí atá le ródhian ó thaobh na hoibre de don institiúid chun faireachán a dhéanamh ar na risíochtaí foluiteacha sin, i gcomhréir le hAirteagal 76(4), pointí (a) agus (b), de Rialachán (AE) Uimh. 575/2013,”,
the extent of conservatism required in estimates used as an alternative to the calculation of underlying exposures for indirect holdings arising from index holdings and the meaning of operationally burdensome for the institution to monitor those underlying exposures, in accordance with Article 76(4), points (a) and (b), of Regulation (EU) No 575/2013;’;