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Bus/Financial - Finance (general) / Bank policy | | English term or phrase: approval relevant exposure | | The system is used as an aid in representing the aggregation of individual borrowers into Meta customers, Groups of affiliated Customers according to the Banking Act and the associated and approval relevant exposure. |
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2 hrs confidence:   peer agreement (net): +1
6 hrs confidence: rizik relevantan za odobrenje
Explanation:
approval relevant ima pridevsko značenje:
Nemci - Kraftfahrt-Bundesamt
Application for authorisation as auditor for approval relevant requirements (ARR)
exposure - izloženost riziku; ukupan iznos kredita dat jednom dužniku ili državi; rizik
exposure coverage - pokrivenost rizika
Rečnik finansija i bankarstva Biljana Simurdić
| M. Vučković
Local time: 19:52
Specializes in field
Native speaker of: Serbian
PRO pts in category: 36
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1 day1 hr confidence: peer agreement (net): +1 izloženost vezana za davanje odobrenja
Explanation:
Prevod zasnivam na tekstu koji je dat kao primer i u kojem se spominjenje povezivanje pojedinačnih klijenata u grupe tzv. povezana lica ("Groups of affiliated Customers") i odgovarajuci bankarski akt ("the Banking Act") koji reguliše tu problematiku (npr. Statut banke).
Svaka banka određuje maksimalan procenat izloženosti prema pojedinačnim i prema povezanim licima u odnosu na kapital banke.
Za svako prekoračenje tog iznosa, potrebno je posebno odobrenje odgovarajućeg organa Banke.
Radi se u stvari o kreditnoj izloženosti banke prema klijentima, odn. iznosu bančinih potraživanja koja spadaju u veoma bitnu kategoriju izračunavanja i praćenja kreditnog rizika.
"In general EAD (Exposure as default) can be seen as an estimation of the extent to which a bank may be exposed to a counterparty in the event of, and at the time of, that counterparty’s default."
http://en.wikipedia.org/wiki/Exposure_at_default
"The goal of credit risk management is to maximise a bank's risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. ..."
www.bis.org/publ/bcbs54.htm
Zbog toga "approval relevant exposure" treba možda posmatrati u celini kao "associated and approval relevant exposure" - izloženost (prema licima povezanim sa bankom) vezana za davanje odobrenja, što u stvari znači prekoračenje stepena izloženosti za koje potrebno posebno odobrenje.
Deo iz Statuta jedne banke koji govori o aktivnostima Upravnog odbora i odlukama koje donosi:
"Upravni odbor:
Daje prethodnu saglasnost za izloženost Banke prema jednom licu ili grupi povezanih lica preko
..%, odnosno za povećanje ove izloženosti preko ..% kapitala Banke,...
Izvršni odbor:
Odlučuje o svakom povećanju izloženosti Banke prema licu povezanom sa Bankom i o tome obaveštava Upravni odbor,..."
"...Za provođenje transakcija kod kojih je datum dogovora transakcije jednak datumu namire nije potrebno odobrenje limita kreditne izloženosti od strane ..."
www.volksbank.hr/VBTeleTrader/.../Okvirni ugovor FX.doc
Iz sledećeg primera (mada nije vezan za ovu problematiku), možemo reći da je npr. "cost RELEVANT decision making", u stvari "donošenje odluka zavisno (vezano za) od cene",
"The chapter looks at the relevant elements of cost for decision making, .... "
http://www.fao.org/docrep/w4343e/w4343e06.htm
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Note added at 1 day2 hrs (2011-05-20 15:14:27 GMT)
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Naravno, ne misli se na odobravanje kredita, već na davanje odobrenja za odredjenu visinu izloženosti.
|  Dragana Samardžijević
Local time: 19:52
Specializes in field
Native speaker of:  Serbian, Serbo-Croat
PRO pts in category: 8
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