acionari aciuni la purttor aciuni nominative active balaniere si extrabalaniere activitate de creditare activitate principal activiti de intermedieri monetare

administrare de baze de date administrarea lichiditii administraia central a bncii administraie public adunarea general extraordinar a acionarilor bncii adunarea general a acionarilor bncii adunarea general ordinar a acionarilor bncii agent de asigurare agenie (agenii) alte cheltuieli de exploatare alte venituri din exploatare aplica legislaia roman* aplica, a aprobat(a) si modificat(a) prin asigurare de locuine pentru salariai, a asista la o edin, a asuma angajamente, a asumarea responsabilitii atesta constituirea legal a bncii*

shareholders bearer shares nominal shares on and off balance sheet items loan granting activity core activity money intermediation business data base management liquidity management bank's headquarters management, the public management, the shareholders extraordinary meeting general shareholders' meeting, the shareholders ordinary general meeting insurance agent agency (agencies) other operating expenses other operating income enforces the Romanian legislation* enforce, to approved and amended by provide housing for employees, to attend a meeting, to undertake commitments, to assumption of liabilities proves the legal incorporation of the company*

atesta, a atrage depozite, a atribuii generice atribuii si responsabiliti atribuiile consilierilor autocontrol aviza, a avizare banca cofinanatoare bilan bilete de ordine BNR buget de venitul si cheltuieli pentru exerciiul financiar urmtor* bun practic bunuri imobile bunuri mobile bunuri mobile si imobile CA/ CD/ alte comitete ale bncii

prove, to raise deposits, to general responsibilities tasks and responsibilities responsibilities of the advisors, the self-control endorse, to endorsement co-financing bank balance sheet promissory notes National Bank of Romania, the budget for the future financial mandate, the* good practice imovable assets movable assets movable and imovable assets Board/ Board of Directors and other bank committees cadrul reglementrilor legale legal frame, the cadrul reglementarilor legale privind activitatea legal frame concerning the Bank's bncii* business, the* cambie (cambii), s.f.** bill(s) of change** cri de credit credit cards casete de siguran bank safes cecuri de cltorie traveller's cheques centrala bncii bank's headquarters, the certificat(e) de depozit deposit certificate(s) cheltuieli cu dobnzi interest expense

cheltuieli cu taxe i comisioane client client persoan fizic client persoan juridic clieni mari cod CAEN comitet ad-hoc comitet permanent comitetul de achiziii comitetul de administrare a activelor i pasivelor comitetul de administrare a riscurilor comitetul de arierate comitetul de audit comitetul de credite comitetul de direcie al bncii comitetul de personal comitetul de securitate si sntate n munc competen deplin competenele comitetului componena activelor comportament integru pe pia comunicarea deciziilor concentrrile de risc conducerea bncii conducerea operativ consens consilier advisor, the

fee and commission expenses customer individual/retail customer corporate customer key customers NACE code temporary committee permanent committee procurement committee asset and liability management committee, the risk management committee, the overdue receivables committee, the audit committee credit committee, the board of directors, the human resources committee, the labor safety and health committee, the full competency committee competence assets component upright market behaviour decision dissemination risk concentrations, the bank's management, the operative management consensus advisor, the legal adviser

consiliul de administraie al bncii constituire legal constituirea n garanie a bunurilor aflate in patrimoniul bncii* contract colectiv de munc contract de credit sindicalizat* contract individual de munc contract(e) de credite contract(e) furures si options contrapartid control dual control ierarhic control ncruciat control periodic contul de profit si pierderi contul economiilor convoca, a coordonare si execuie activiti bancare credit credit(e) de consum credit(e) ipotecar(e) credite neperformante CSSM cu drept de vot cu modificrile si completrile ulterioare* curs de schimb cursul valutar pe pia cvorum

bank board, the legal incorporation pledging as collateral the Banks assets* collective labor contract syndicated loan agreement individual labor contract loan agreement(s) futures and options contract(s) counter-party dual control hierarchical control crossed control periodical control profit and loss account savings account convene, to or to call for meeting coordination and execution of banking business loan consumer loan(s) mortgage loan(s) non-performance loans LSHC with vote right with subsequent amendments and supplementations* exchange rate market exchange rates quorum

date din eviden contabil date generale de remediere declaraie de modificare capital propriu declaraie de venit delegat sa, a delegai denumit n continuare depreciere i amortizare deschide cont la alt banc, a desfura (activitatea), a deine i a administra, a depozitare de active direcia audit intern direcia comunicare i protocol direcia contencios direcia de control direcia financiar direcia fiscal direcia juridic i de conformitate direcia marketing direcia metodologie direcia resurse umane direcia securitate bancar direcia trezorerie director coordonator director de proiect

accounting data general data remedial statement of changes in equity income statement be commissioned to, to delegates hereinafter referred to as depreciation and amortization open an account with other bank, to operate, to; conduct its business, to; deploy, to hold and manage, to safekeeping assets internal audit directorate communication and protocol directorate, the litigation directorate, the control directorate, the financial department, the fiscal department, the legal and compliance department, the marketing directorate, the methodology department, the human resources directorate, the bank security directorate treasury division coordinating director project manager, the

director direcia contabilitate director direcia de administrare a reelei teritoriale director direcia financiar director direcia infrastructur IT&C director direcia logistic director general adjunct distribui, a distribuie de aciuni distribuie de dividende distribuie pentru obligaiuni corporative distribuie pentru obligaiuni municipale dizolvarea bncii domeniu principal dup caz echivalentul n orice moned efectuarea de operaiuni privind execuia de cas a bugetului statului* elabora, a elemente din afara bilanului emite garanii, a emite moneda electronic, a emite i a administra mijloace de plat, a emitere de obligaiuni evalua, a evaluarea activelor excedentar

executive accounting directorate executive management of local network directorate executive financial directorate executive directorate of IT&C infrastructure executive directorate of logistics deputy general manager disseminate, to distribution of shares distribution of dividends distribution of corporate bonds distribution of municipal bonds bank's dissolution main field as the case may be its equivalent in any foreign currency conducting operations of cash management for the state budget execution* draw up, to off balance sheet items issue guarantees, to issue e-cash, to issue and manage payment means, to bond issuance assess, to valuation of assets in excess

executare silit a creanelor* execuie activiti nebancare execuie de cas exerciiu financiar (aici cred) externalizare externalizarea unor activiti facilitate de finanare a proiectelor de eficienta energetic faciliti de credit sub supraveghere si restante* federaia sindicatelor libere ale salariailor finanarea tranzaciilor comerciale fisa (individual) de post fluctuaii nregistrate de preturi flux de numerar fluxuri de numerar viitoare fluxuri informaionale fluxuri operaionale Fondul de garantare a depozitelor in sistemul bancar fonduri de investiie fonduri deschise de investiii fonduri rambursabile forfetare fraud intern funcie consultativ garant fidejusor gestionarea / administrarea riscului IMM

foreclosure of the banks claims* execution of non-banking business cash management financial mandate outsourcing certain activities' outsourcing Energy Efficiency Finance Facility credit facilities under watch and overdue debts* free trade union employees federation trade finance (individual) job description price fluctuations cash-flow future cash-flow flow of information operational flows Bank Guarantee Deposit Fund investment funds open investment funds reimbursable funds forfeiting internal fraud consultative function fideiussor risk management SMEs

n afara bilanului n conformitate cu n conformitate cu prevederile legislaiei aplicabile (aici) n domeniul creditrii n sistem unitar n subordinea n timp util nchiria, a incitatori ai bncii ndeplini, a ndruma, a ngloba, a inspector coordonator prevenire-protecie instituie de credit instituiile de credit si adecvarea capitalului* nstrinare instruciuni instrumente financiare instrumente financiare derivate instrumente financiare derivate intermediere intermediere monetar instrumente financiare invitai legea bancar letric

off balance sheet in compliance with within the limitations of the laws in the field of lending as a whole under the subordination of in due time rent, to bank's ratios meet, to guide, to enclose, to coordinating inspector for prevention and protection credit institution, the credit institution and capital adequacy* sale (?) guidelines financial instruments derived financial instruments or derivatives (see new entry) derivatives (v. nota anterioar) intermediation money intermediation financial instruments guests banking law, the by letter

limitarea expunerilor lichiditate marje materiale avizate in comitet* matricea decizional medic de medicina muncii membri permaneni membri supleani modificrile ratelor de schimb valutar monitorizare nivel agregat norme de pruden bancar nota de serviciu note la declaraiile financiare nul de drept numi, a O.U.G. nr. xxxxxx privind obiecte de activitate obligaiuni onorarii pentru lichidatori operaiuni de debitare automata operaiuni de factoring operaiuni de forfetare operaiuni de scontare operaiuni n mandat ordine de zi organe de administrare i conducere organele administraiei publice organisme financiare internaionale

exposure limitations liquidity margins materials endorsed within the committee* decision making matrix labor medicine doctor permanent members alternate / substitute members currency movements monitoring aggregated level banking prudence norms memo notes to financial statements null and void appoint, to G.E.O. no xxxxxx on. lines of business bonds fees for liquidators automated debiting operations factoring operations forfeiting operations discounting operations mandate operations agenda administrative managing bodies public management bodies, the international financial institutions

organizarea si funcionarea activitii de audit intern participare la capitalul social al altor entiti* pasive monetare nete n valut strin pstrare n custodie patrimoniu pentru cazurile in care nu se prevede astfel persoan fizic persoan juridic piaa interbancar piaa monetar plan anual de afaceri/activitate plasament pli compensatorii pli pentru paza activelor portofoliul de plasamente portofoliul pentru tranzacii poziii de schimb valutar poziii de schimb valutar deschise pregtirea profesional a salariailor* prelua, a preedinte supleant preedintele bncii presta servicii aferente, a* presta servicii, a procedura derulat proceduri operaionale ale comitetului*

internal audit equity participations into the share capital of other entities* net monetary liabilities in foreign currencies safekeeping in custody assets If not otherwise provided / unless otherwise specified (my option) natural person legal person inter-bank market money market annual business plan placement compensatory payments payments for the guard of assets investment portfolio trading book foreign exchange positions open foreign exchange positions employee training* take over, to substituate chairman bank president, the deliver ancillary services, to* deliver services, to processed procedure committee operational procedures*

proces colective procesul verbal profilul de risc al bancii profit/pierderi nete din instrumente financiare noncomerciale raport de lichiditate raportare functionala raportare ierarhica rata dobanzii rectifica, a rectificarea bugetului de venituri si cheltuieli pentru exercitiul financiar in curs* reglementa,a reglementari interne regulament de organizare si functionare ROF reintregi capitalului social, a relationare externa relationare interna relationarea unitatilor din centrala bancii repartiza profitul, a rescadentarea facilitatilor de credit respecta, a responsabil cu securitatea informatiei CSIO retea teritoriala de sucursale revoca, a risc de bilant risc valutar riscul de credit si de tara

corporate process minutes, the bank's rsk profile, the net gain/(loss) on non-trading financial instruments liquidity report hierarchical reporting hierarchical reporting interest rate amend, to amendment of the budget for the current financial mandate* regulate, to internal regulations internal rules and regulations IRR restore the share capital, to external relations internal relations relationship of the departments from the bank's headquarters, the distribute profits, to extension for credit facilities comply with, to information security responsible CSIO network of local branch banks, the revoke, to balance sheet risk currency risk credit and country risk

riscul de lichiditate riscul de piata riscul operational ROF rolul si functiile comitetelor permanente salariatii bancii salarizarea personalului schema de asigurare a continuitatii in conducerea bancii scontare scos din folosinta secretariat sediu (sedii) secundar(e) sediu social (aici cred) sef serviciul arierate sefi de servicii independente semnarea deciziilor servicii aferente servicii auxiliare sau conexe servicii de procesare de date servicii de transfer monetar serviciul secretariat sindicalizat sindicat sindicat liber democrat sistemul de control sistemul de semnaturi situatie financiara societati cu capital de stat

liquidation/liquidity risk market risk operational risk IRR role and fuctions of permanent committees, the bank employees staff wage scheme to provide bank management continuity,the discounting disabled secretariat outlet(s) head office, the manager of receivables collection heads of independent offices decision signing ancillary services ancillary or related services data processing services money transfer services secretariat office, the syndicated trade union free democratic trade union control system signatures system, the financial statement companies with state shareholding

societati de investitii spatii de odihna si de recreere* standarde de creditare Standardele International de Raportare Financiara statut statut legal sub forma de EXTRAS sucursala sucursale judetene supus aprobarii sursa a riscului valutar talharie tendinta tine evidenta, a transmiterea convocarii* tranzationare trimestrial unitati pilot unitati teritoriale unitatile bancii valabil valoare contabila valori mobiliare valuta venit din dobanzi venit din taxe i comisioane venit net din activiti comerciale venit net din dobnzi

investment companies leisure and resting spaces* crediting standards IFRS International Financial Reporting Standards statute legal statute under EXTRACT form branch bank, the county branches submitted for approval source of foreign exchange risk robbery trend hold the evidence of, to (?) RECORD transmission of the convening* trading every quarter agencies local outlets bank's outlets valid accounting value; book value securities foreign currency interest income fee and commission income net trading income net interest income

venit net din taxe i comisioane venituri din dividende venituri din exploatare vicepresedintele bancii vicepresedintele operatiunii vicepresedintele persoane fizice vicepresedintele persoane juridice viziunea, misiunea si valorile bancii numerar si alte valori pozitiile de valuta deschise risk valutar active nete / (pasive) credite acordat bncilor i altor instituii financiare provizioane pentru litigii credite i avansuri acordate clienilor autoritate reglementatoare garantii reale mobiliare // valori mobiliare de plasament finanta active, a data scadenta in conditii normale si exceptionale participatii ? excedent / (deficit) de lichiditate* deficit data contractual a scadentei

net fee and commission income dividends income operating income bank vice-president, the operations vice-president, the retail customers vice-president, the corporate vice-president, the bank vision, mission and values cash and cash equivalents open currency positions currency risk net assets/ (liabilities) loans from banks and other financial institutions provisions for litigations loans and advances to customers regulator adjusted individually currency position investment securities fund assets, to date of maturity meet its liabilities under normal and stress conditions business units equity investments liquidity surplus/ (shortfall)* shortfall contractual maturity

rata, proportie rata de active lichide nete* active lichide nete plata personalului cheltuieli cu fondul de pensii participarea personalului la profit cheltuieli cu lucrarile si serviciile executate de terti pierderi prin depreciere pierderi prin deprecierea (valorii) activelor* provizioane pentru pierderi prin deprecierea activelor* cheltuieli nete credite abandonate recuperri din creditele abandonate anterior venituri din diferente temporare fonduri disponibile bilant de trezorerie bilant de trezorerie restrictionat* negravate valoare justa schimb valutar depozite la termen depozite la vedere depozite colaterale imobilizare crestere bilantiera dobanzi medii active

ratio ratio of net liquid assets* net liquid assets wages and salaries retirement benefits expenses employees profit sharing third parties services impairment losses impairment lossses on assets* provisions for impairment losses on assets* net charge loans written-off recoveries from loans previously written off reversals of temporary differences cash on/in hand cash balance restricted cash balance* unencumbered fair value FX Swap (Foreign Exchange Swap)* term deposits sight deposits collateral deposits asset on-balance sheet increase average interest-earning assets

dobanzi medii pasive rentabilitatea activitatii plasamente n asociaii neconsolidate COF cerere-oferta rezerve minime obligatorii RMO actionariat valoare ramasa de amortizat piata OTC decontare si compensare depreciere valoarea justa minus costurile de vanzare* modificari ale participatiilor cedari credite pentru nevoi personale credite pentru bunuri de larg consum* bunuri de larg consum credite auto scutirea deprecierii pentru pierderi aferente. media ponderata a ratei active si pasive privind impozitul amanat cheltuieli nete cu provizioane deduceri specifice pentru deprecieri amortizare administraiei federale a contribuiilor imobilizari corporale imobilizari in curs de constituire

average interest-bearing liabilities coupon notes activity profitability investments in non-consolidated associates minimum reserves shareholding carrying value OTC market settlement and clearing impairment fair value less cost to sell* movement in equity investments disposals personal needs loans customer goods loans* customer goods car loans release of impairment for losses on . weighted average rate deferred tax assets and liabilities net provision charge specific allowances for impairment write off administration cantonal des impots FR property and equipment assets in the course of construction

imobilizari amortizri i pierderi acumulate din depreciere imobilizari corporale rezultat reportat suma ramasa de amortizat control prin sondaj imobilizari necorporale active imobilizate repartozari din profit operatiuni discontinue societati cu interese de participare/entitati asociate carnet de economii dobanda capitalizata dobanda preferentiala angajamente si cheltuieli neprevazute Banca European pentru Reconstrucie i Dezvoltare BERD Ministerul Agriculturii i Dezvoltrii Rurale linie de credit / facilitati de creditare esalonare cota de piata situatia fluxului de numerar Institutul Mondial al Bancilor de Economii Grupul Bancilor de Economii din Europa Asociatia Pietelor Financiare Institutul Bancar Roman

fixed assets accumulated depreciation and impairment losses tangible assets retained earnings carrying amount sample inspection intangible assets current tax receivable non-current assets appropriations from profit discontinued operations associates saving passbooks capitalised interest interest rate premium commitments and contingencies European Bank for Reconstruction and Development EBRD Ministry of Agriculture and Rural Development credit line facility payment schedule market rate cash flow statement World Savings Banks Institute European Savings Banks Group Financial Markets Association

Asociatia Bancara pentru Europa Centrala si de Est Serviciul Administrare Clienti Utilizatori de Card Serviciul Administrare Retea ATM si EPOS Serviciul Securitate Operatiuni Carduri Serviciul Reconciliere Tranzactii Card datorii contingente si angajamente risc de neplata directia de reglementare si autorizare institutii financiare nebancare unitati actiuni aflate in circulatie speculator risc din partea partenerului contractual risc legal Asociaia Roman a Bncilor rollover randamentul activelor randamentul capitalului propriu marja de profit data scadenta element de activ lichiditati scadente in mai putin de 1 an surse atrase active convertibile in lichiditati

Management Office for Card-using Customers ATM and EPOS Network Management Office Card Operation Security Office Card Transaction Reconciliation Office Contingent liabilities and commitments non-payment risk regulation and autiorisation direction non-bank financial institutions premises outstanding shares arbitrageur counterparty risk legal risk Romanian Banking Association reesalonare ROA (retur on assets) ROE (retur on equity) profit margin due term asset item short liquidity engaged sources liquid assets

titluri de participare titluri de plasament datorii cu/purtatoare de dobanda rate ale dobanzii pentru imprumuturile acordate in EURO rata dobanzii la depozitele plasate

equity investments investment securities debts bearing interests EURIBOR BUBOR

rata dobanzii la depozitele atrase

BUBID

rata a dobanzii practicata pe piata londoneza de catre bancile de prim rang pentru remunerarea depozitelor lor reciproce risc (de schimb) valutar raport de analiza economica/legala sistem C.A.M.E.L. data scadenta a restantei venituri din comisioane sistem de contabilitate de acoperire instrument de acoperire Instrumente financiare derivate de acoperire swap financiar de devize depozite la termen fluxuri de trezorerie variaiile de valoare just acoperite cesiune de creante gajuri fara deposedare asupra bunurilor mobile

LIBOR currency risk due diligence C.A.A.M.P.L. system residual maturity commission income hedging accounting system hedging instrument Derivatives for hedging Cross currency swap term deposits cash flows the fair value of the hedging variations Assignment of receivables Pledge of corporal moveables

bilet la ordin fara protest credit punte

without dispossession promissory note marked no protest Bridge loan