#586098
Rialú priacal creidmheasa
Credit risk control
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#586102
Cuimseoidh réimsí freagrachta an aonaid nó na n-aonad rialaithe priacal creidmheasa:
The areas of responsibility for the credit risk control unit or units shall include:
#2337555
i leith an aonaid rialaithe priacal creidmheasa, i gcomhréir le hAirteagal 16;
the credit risk control unit, in accordance with Article 16;
#2337662
Aonad rialaithe priacal creidmheasa
Credit risk control unit
#2337665
go mbeidh an t-aonad rialaithe priacal creidmheasa nó na haonaid rialaithe priacal creidmheasa feidhmeach agus leordhóthanach dá gcúraimí.
the credit risk control unit or units are functional and adequate for their tasks.
#2337667
go mbeidh an t-aonad rialaithe priacal creidmheasa nó na haonaid rialaithe priacal creidmheasa mar struchtúir eagraíochtúla ar leith laistigh den institiúid;
the credit risk control unit or units are distinct organisational structures within the institution;
#2337683
oibríochtaí na feidhme rialaithe priacal creidmheasa;
the operations of the credit risk control function;
#585273
tá aonad rialaithe priacal creidmheasa san institiúid atá freagrach as córais rátála na hinstitiúide agus atá neamhspleách go hiomchuí agus saor ó thionchar míchuí;
the institution has a credit risk control unit responsible for its rating systems that is appropriately independent and free from undue influence;
#586093
Cuirfidh na haonaid rialaithe priacal creidmheasa an bhainistíocht shinsearach ar an eolas faoi fheidhmiú an phróisis rátála, faoi ghnéithe nár mhór a fheabhsú agus faoi stádas na n-iarrachtaí atá déanta le feabhas a chur ar easnaimh a sainaithníodh roimhe sin.
Senior management shall be regularly informed by the credit risk control units about the performance of the rating process, areas needing improvement, and the status of efforts to improve previously identified deficiencies.
#586099
Beidh an t-aonad rialaithe priacal creidmheasa neamhspleách ar na feidhmeanna pearsanra agus na feidhmeanna bainistíochta atá freagrach as risíochtaí a thionscnamh nó a athnuachan agus tuairisceoidh sé go díreach chun na bainistíochta sinsearaí.
The credit risk control unit shall be independent from the personnel and management functions responsible for originating or renewing exposures and report directly to senior management.
#587683
beidh baint ag comhlacht bainistíochta agus lucht bainistíochta sinsearaí leis an bpróiseas rialaithe priacal agus áiritheoidh siad go leithdháilfear dóthain acmhainní ar rialú creidmheasa agus rialú priacal creidmheasa contrapháirtithe.
the management body and senior management shall be involved in the risk control process and shall ensure that adequate resources are devoted to credit and counterparty credit risk control.
#2337571
athbhreithniú ar róil agus ar fhreagrachtaí na mball foirne ábhartha uile agus lucht ardbhainistíochta an aonaid rialaithe priacal creidmheasa;
review the roles and responsibilities of all relevant staff and senior management of the credit risk control unit;
#2337572
athbhreithniú ar na tuarascálacha ábhartha a chuirtear faoi bhráid an chomhlachta bainistíochta nó an choiste ainmnithe den chomhlacht sin, ag an aonad rialaithe priacal creidmheasa agus ag an lucht ardbhainistíochta.
review the relevant reports submitted by the credit risk control unit and the senior management, to the management body or to the designated committee thereof.
#2337585
go mbeidh na baill foirne a bheidh i mbun fheidhm an bhailíochtaithe difriúil ó na baill foirne atá freagrach as an gcóras rátála a dhearadh agus a fhorbairt, agus ó na baill foirne atá freagrach as an bhfeidhm rialaithe priacal creidmheasa;
the staff performing the validation function is different from the staff responsible for the design and development of the rating system, and from the staff responsible for the credit risk control function;
#2337646
go ndéanfaidh an lucht ardbhainistíochta bearta ábhartha i gcás ina sainaithníonn rialú priacal creidmheasa, an bailíochtú, an t-iniúchadh inmheánach nó aon fheidhm rialaithe eile laigí sna córais rátála.
the senior management takes relevant measures where weaknesses of the rating systems are identified by the credit risk control, the validation, the internal audit or any other control function.
#2337664
go mbeidh an t-aonad rialaithe priacal creidmheasa nó na haonaid rialaithe priacal creidmheasa ar leithligh agus neamhspleách ar an bpearsanra agus na feidhmeanna bainistíochta atá freagrach as risíochtaí a thionscnamh nó a athnuachan;
the credit risk control unit or units are separate and independent of the personnel and management functions responsible for originating or renewing exposures;
#2337668
go mbeidh ceann an aonaid rialaithe priacal creidmheasa nó cinn na n-aonad sin mar chuid den lucht ardbhainistíochta;
the head of the credit risk control unit or the heads of such units are part of the senior management;
#2337670
nach mbeidh an fhoireann agus an lucht ardbhainistíochta atá freagrach as aonad rialaithe priacal creidmheasa nó na haonaid rialaithe priacal creidmheasa freagrach as risíochtaí a thionscnamh nó a athnuachan;
the staff and the senior management responsible for the credit risk control unit or units are not responsible for originating or renewing exposures;
#2337672
nach mbeidh luach saothair na foirne agus an lucht ardbhainistíochta atá freagrach as an aonad rialaithe priacal creidmheasa nó na haonaid rialaithe priacal creidmheasa nasctha le feidhmiú na gcúraimí maidir le risíochtaí a thionscnamh nó a athnuachan.
the remuneration of the staff and senior management responsible for the credit risk control unit or units is not linked to the performance of the tasks relating to originating or renewing exposures.
#2337675
go mbeidh acmhainní leordhóthanacha ag an aonad rialaithe priacal creidmheasa, nó na haonaid rialaithe priacal creidmheasa, chomh maith le pearsanra a bhfuil taithí acu agus atá cáilithe chun tabhairt faoi gach gníomhaíocht ábhartha;
the credit risk control unit or units have adequate resources, and experienced and qualified personnel to undertake all relevant activities;
#2337882
athbhreithniú ar na tuarascálacha ar fheidhmíocht na gcóras rátála agus ar mholtaí an aonaid rialaithe priacal creidmheasa, de chuid fheidhm an bhailíochtaithe, fheidhm an iniúchta inmheánaigh, nó aon fheidhm rialaithe eile de chuid na hinstitiúide;
review the reports on the performance of the rating systems and the recommendations of the credit risk control unit, validation function, internal audit function or any other control function of the institution;
#2338083
i gcás ina mbeidh easnaimh ábhartha sna modhanna, san fhaisnéis agus sna sonraí sainaitheanta ag an aonad rialaithe priacal creidmheasa, ag feidhm an bhailíochtaithe nó ag an bhfeidhm iniúchta inmheánaigh nó ag aon fheidhm eile de chuid na hinstitiúide;
relevant deficiencies in the methods, information and data have been identified by the credit risk control unit, validation function or internal audit function or any other function of the institution;
#2337309
Tá sé tábhachtach measúnú a dhéanamh ar stóinseacht na feidhme bailíochtaithe agus dá réir sin an neamhspleáchas ón aonad rialaithe priacal creidmheasa, iomláine, minicíocht agus leordhóthanacht na modhanna agus na nósanna imeachta agus fóntacht na bpróiseas tuairiscithe chun a fhíorú go ndéantar measúnú oibiachtúil ar na córais rátála agus gur beag an dreasacht atá ann easnaimh agus laigí na samhla a cheilt.
It is important to assess the robustness of the validation function and so the independence from the credit risk control unit, the completeness, frequency and adequacy of the methods and procedures and the soundness of the reporting process in order to verify that an objective assessment of the rating systems takes place and that there is a limited incentive to disguise the model deficiencies and weaknesses.
#2337546
Chun measúnú a dhéanamh an bhfuil na ceanglais maidir le rialachas inmheánach á gcomhlíonadh ag institiúid, lena n-áirítear ceanglais maidir leis an lucht ardbhainistíochta agus leis an gcomhlacht bainistíochta, tuairisciú inmheánach, rialú priacal creidmheasa agus iniúchadh inmheánach, formhaoirseacht agus bailíochtú, fíoróidh na húdaráis inniúla na nithe uile seo a leanas:
In order to assess whether an institution is compliant with the requirements on internal governance, including requirements on senior management and management body, internal reporting, credit risk control and internal audit, oversight and validation, competent authorities shall verify all of the following:
#2337552
i leith rialachas inmheánach agus fhormhaoirseacht inmheánach na hinstitiúide, lena n-áirítear aonad rialaithe priacal creidmheasa agus iniúchadh inmheánach na hinstitiúide, dá dtagraítear in Airteagail 189, 190 agus 191 de Rialachán (AE) Uimh. 575/2013:
the internal governance and oversight of the institution, including the credit risk control unit and the internal audit of the institution, as referred to in Articles 189, 190 and 191 of Regulation (EU) No 575/2013 in respect of:
#2337560
athbhreithniú ar thuarascálacha ábhartha ar ghníomhaíochtaí na bhfeidhmeanna rialaithe priacal creidmheasa, iniúchta inmheánaigh, formhaoirseachta agus bailíochtaithe a bheidh ullmhaithe ag na baill foirne atá freagrach as gach ceann de na feidhmeanna sin nó a bheidh ullmhaithe le haon fheidhm rialaithe eile de chuid na hinstitiúide, mar aon le conclúidí, torthaí agus moltaí na bhfeidhmeanna sin;
review the relevant reports on the activities of the credit risk control, internal audit, oversight and validation functions prepared by the staff responsible for each of those functions or by any other control function of the institution, as well as the conclusions, findings and recommendations of those functions;
#2337570
Chun an measúnú a dhéanamh ar an aonad rialaithe priacal creidmheasa, dá dtagraítear i bpointe (c) d’Airteagal 144(1) agus in Airteagal 190 de Rialachán (AE) Uimh. 575/2013, i dteannta na gceanglas dá dtagraítear i mír 2, cuirfidh na húdaráis inniúla na modhanna uile seo a leanas i bhfeidhm:
For the assessment of the credit risk control unit, referred to in point (c) of Article 144(1) and Article 190 of Regulation (EU) No 575/2013, in addition to the requirements referred to in paragraph 2, competent authorities shall apply all of the following methods:
#2337587
Chun críocha mhír 1, i gcás ina mbeidh an t-aonad atá freagrach as feidhm an bhailíochtaithe ar leithligh ó thaobh an eagrúcháin de ón aonad rialaithe priacal creidmheasa agus i gcás ina dtuairisceoidh gach aonad chuig comhaltaí difriúla den lucht ardbhainistíochta, fíoróidh na húdaráis inniúla, an dá ní seo a leanas:
For the purposes of paragraph 1, where the unit responsible for the validation function is organisationally separate from the credit risk control unit and each unit reports to different members of the senior management, competent authorities shall verify, both of the following:
#2337589
nach mbeidh luach saothair na mball foirne agus na mbainisteoirí sinsearacha atá freagrach as feidhm an bhailíochtaithe nasctha le feidhmiú na gcúraimí maidir le rialú priacal creidmheasa ná le risíochtaí a thionscnamh nó a athnuachan.
that the remuneration of the staff and senior managers responsible for the validation function is not linked to the performance of the tasks relating to either credit risk control or to originating or renewing exposures.
#2337590
Chun críocha mhír 1, i gcás ina mbeidh an t-aonad atá freagrach as feidhm an bhailíochtaithe ar leithligh ó thaobh an eagrúcháin ón aonad rialaithe priacal creidmheasa, agus i gcás ina dtuairisceoidh an dá aonad chuig an gcomhalta céanna den lucht ardbhainistíochta, fíoróidh na húdaráis inniúla na nithe uile seo a leanas:
For the purposes of paragraph 1, where the unit responsible for the validation function is organisationally separate from the credit risk control unit, and both units report to the same member of the senior management, competent authorities shall verify all of the following:
#2337591
nach mbeidh luach saothair na mball foirne agus na mbainisteoirí sinsearacha atá freagrach as feidhm an bhailíochtaithe nasctha le feidhmiú na gcúraimí maidir le rialú priacal creidmheasa ná le risíochtaí a thionscnamh nó a athnuachan;
that the remuneration of the staff and senior managers responsible for the validation function is not linked to the performance of the tasks relating to either credit risk control or to originating or renewing exposures;
#2337663
Nuair a bheidh measúnú á dhéanamh ar rialachas inmheánach agus faireachán na hinstitiúide maidir leis an aonad rialaithe priacal creidmheasa dá dtagraítear in Airteagal 190 de Rialachán (AE) Uimh. 575/2013, fíoróidh na húdaráis inniúla:
When assessing the internal governance and oversight of the institution in relation to the credit risk control unit referred to in Article 190 of Regulation (EU) No 575/2013, competent authorities shall verify that:
#2337671
go dtuairisceoidh bainisteoirí sinsearacha na n-aonad rialaithe priacal creidmheasa, agus na n-aonad atá freagrach as risíochtaí a thionscnamh nó a athnuachan, do bhaill difriúla de chomhlacht bainistíochta na hinstitiúide nó den choiste atá ainmnithe ag an gcomhlacht bainistíochta;
senior managers of the credit risk control unit or units and of units responsible for originating or renewing exposures report to different members of the management body of the institution or of the committee designated by it;
#2337674
go mbeidh an t-aonad rialú priacal creidmheasa, nó na haonaid rialaithe priacal creidmheasa i gcomhréir le cineál, méid agus leibhéal castachta ghnó agus struchtúr eagraíochtúil na hinstitiúide, agus go háirithe le castacht na gcóras rátála agus a gcur chun feidhme;
the credit risk control unit or units are proportionate to the nature, size and degree of complexity of the business and organisational structure of the institution, and in particular to the complexity of the rating systems and their implementation;
#2337676
go mbeidh an t-aonad rialaithe priacal creidmheasa, nó na haonaid rialaithe priacal creidmheasa freagrach as dearadh nó roghnú, cur chun feidhme agus formhaoirseacht agus feidhmíocht na gcóras rátála, mar a éilítear sa dara habairt d’Airteagal 190(1) de Rialachán (AE) Uimh. 575/2013, agus go mbeidh na réimsí freagrachta a liostaítear in Airteagal 190(2) den Rialachán sin i measc réimsí freagrachta an aonaid, nó na n-aonad sin;
the credit risk control unit or units are responsible for the design or selection, implementation and oversight and the performance of the rating systems, as required by the second sentence of Article 190(1) of Regulation (EU) No 575/2013, and that the areas of responsibility of that unit or those units include those listed in Article 190(2) of that Regulation;
#2337677
go gcuirfidh an t-aonad rialaithe priacal creidmheasa, nó na haonaid rialaithe priacal creidmheasa an lucht ardbhainistíochta ar an eolas go tráthrialta faoi fheidhmiú na gcóras rátála, faoi réimsí nár mhór a fheabhsú, agus faoi stádas na n-iarrachtaí a rinneadh chun feabhas a chur ar easnaimh a sainaithníodh roimhe sin.
the credit risk control unit or units regularly inform the senior management of the performance of the rating systems, of areas needing improvement, and of the status of efforts to improve previously identified deficiencies.
#2338021
maidir leis na sonraí uile i dtaobh breithiúnas daonna a chur i bhfeidhm agus na cásanna inar sáraíodh ionchuir nó aschuir na samhlacha rátála, go ndéanfaidh an t-aonad rialaithe priacal creidmheasa nó feidhm an bhailíochtaithe na sonraí uile sin a stóráil agus a anailísiú go tréimhsiúil chun a thionchar ar an tsamhail rátála a fhionnadh;
all data regarding the application of human judgement and the situations where the inputs or outputs of the rating models have been overridden are stored and analysed periodically by the credit risk control unit or by the validation function in order to ascertain its impact on the rating model;
#2338043
athbhreithniú ar na tuarascálacha ar fheidhmíocht na bparaiméadar priacail agus ar na moltaí a dhéanann an t-aonad rialaithe priacal creidmheasa, feidhm an bhailíochtaithe, feidhm an iniúchta inmheánaigh, nó aon fheidhm rialaithe eile de chuid na hinstitiúide;
review the reports on the performance of risk parameters and the recommendations made by the credit risk control unit, the validation function, the internal audit function or any other control function of the institution;
#2338478
athbhreithniú ar na tuarascálacha ábhartha ar fheidhmíocht na samhlacha inmheánacha le haghaidh risíochtaí ar chothromas agus ar mholtaí an aonaid rialaithe priacal creidmheasa, de chuid fheidhm an bhailíochtaithe, fheidhm an iniúchta inmheánaigh, nó aon fheidhm rialaithe eile de chuid na hinstitiúide;
review the relevant reports on the performance of the internal models for equity exposures and the recommendations by the credit risk control unit, validation function, internal audit function or any other control function of the institution;
#2338536
athbhreithniú ar na tuarascálacha ábhartha ar bhainistiú na n-athruithe ar na córais rátála agus mholtaí an aonaid rialaithe priacal creidmheasa, de chuid fheidhm an bhailíochtaithe, fheidhm an iniúchta inmheánaigh, nó aon fheidhm rialaithe eile de chuid na hinstitiúide;
review the relevant reports on the management of changes to the rating systems and the recommendations by the credit risk control unit, validation function, internal audit function or any other control function of the institution;