“Full-load” means the point at which the transformer is operating at maximum permissible secondary current. This operating point will be determined primarily by the winding wire size (ampacity) and the method of transformer cooling."
Logic: whatever the <...full load...> of the transformer actually is, that is where it may operate. If it couldn't operate there, then its <...full load...> would be somewhere else.
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IEC 60076 part 7 deals with loading of transformers. Transformers are expected to operate continuously (through out its design life) at rated load provided stated maximum ambient temperature is not exceeded.
Mentioned IEC standard also gives rules for overloading (loading beyond the transformer rating) of transformers.
IEC 60076 part 1 defines rating as below:
rating:
those numerical values assigned to the quantities which define the operation of the transformer in the conditions specified in this part of IEC 60076 and on which the manufacturer's guarantees and the tests are based.
In order to keep the normal transformer life ,for dry-type transformer, there is calculation way in IEEE Std C57.96 or IEC 60076-12 and for oil-immersed transformer in IEC 60076-7 as loading guide. For instance, according to mine IEEE Std C57.96-1999 LOADING DRY-TYPE DISTRIBUTION AND POWER TRANSFORMERS [the latest edition is 2013] Table 4—Daily loads above rating to give normal life expectancy in 20 °C average ambientfor transformers with a 30 min time constant if the 150 °C insulation system following and followed by a constant load of 90% then for 1.27 times the rating the peak load time in hours is 2 hrs.The calculation of time constant it is better stated in IEC 60076-12 for dry-type transformer.