1

ENGLISH - ROMANIAN DICTIONARY OF SPECIFIC TERMS

A

above par mai mare, peste valoarea nominal abroad (n/din) strintate accept a accepta acceptance accept, acceptare acceptance credit credit acceptat, credit pentru activitti comerciale acceptance o!"e banc de accept acceptor acceptantul trgtorului (la valoarea nominal a cambiei) acco!nt cont acco!nt #or a reprezenta, a explica, a justifica acco!nt o$der detintor de cont acco!ntant contabil acco!ntin% contabilitate acco!nt" pa&ab$e '(SA) conturi platibile, creditori acco!nt" receivab$e '(SA) conturi ncasabile, debitori accr!a$ acumulare, cumulare, (contab.) nregistrare tranzitorie accr!a$" intrri (fonduri), taxe pltibile ac ieve a realiza, a atinge (un scop) ac*no+$ed%e a confirma ac*no+$ed%e,ent confirmare ac-!ire a dobndi ac-!i"ition achizitie, achizitionare, achizitionare de companii Act '(.) lege act a" a actiona n calitate de/ca activit& activitate act!a$ concret, real, efectiv ade-!ate adecvat, corespunztor ade-!ate$& n mod corespunztor/adecvat

ad/!dicate a adjudeca ad/!dication adjudecare ad,ini"tration administrare (organizare, conducere, control si ndrumare), administratie ad,ini"trator administrator advance avan", acont advance pa&,ent plat n avans advanta%e avantaj adverti"e a face reclam adverti"in% reclam (ca activitate) adverti",ent reclam (ca form) advice aviz, sfaturi, consultant advi"e a sftui, a acorda consultant, a aviza advi"in% de consultant, care ofera consultanta advi"in% ban* banca avizatoare advi"or& (de) consultant, consultativ a##air afacere (treab, chestiune, problem) a##ect a afecta a##i0 "ta,p a stampila a%ain"t pa&,ent contra plat, contra cost a%enc& intermediere, prestator de servicii, reprezentare a%ent agent, banc (n relatiile cu clientul) a%%re%ate total a%ric!$t!ra$ agricol aid ajutor (financiar sau material)

air con"i%n,ent note conosament aerian air +a&bi$$ conosament aerian a$$-in co"t cost total a$$o+ance tolerant, indemnizatie a$to%et er n total, launloc a,iab$& amiabil, pe cale amiabil a,icab$& (n acorduri, contracte) amiabil, pe cale amiabil a,orti"ation amortizare, rambursare a,o!nt valoare, cantitate, sum AMT 'air,ai$ tran"#er) transfer prin posta aerian ana$&"e a analiza ana$&"i"'"e") analiz(e) ann!it& anuitate ann!it& ,ort%a%e credit ipotecar rambursabil, ipotecare periodic ape0 piramid, vrf ape0 $oan mprumut n cascad (piramidal) app$icant solicitant app$ication aplicatie, aplicare, cerere (scris sau oral) app$& a aplica app$& #or a face o cerere pentru, a solicita (n scris) appropriate adecvat, corespunztor appropriate$& corespunztor, n mod corespunztor approve a aproba arbitra%e arbitraj arbitration arbitrare area domeniu, suprafata arran%e,ent aranjament arrear" arierate Artic$e" o# A""ociation statut (al societtilor comerciale) a""ented bond obligatiune acceptat a""e"" a evalua, a aprecia

a""e"",ent evaluare, apreciere a""et" active a""i%n a cesiona a""i%nee cesionar a""i%n,ent cesionare, repartizare a""i%nor cedent a""i"t a ajuta, a sprijini a""i"tance ajutor, sprijin a""!,e a( si) asuma at par egal, la valoarea nominal at "i% t la vedere ATM bancomat attit!de atitudine, mentalitate, comportare ATTN 'attention o#) n atentia (mesaje) attract a atrage attrition reducere, pierdere a!ction licitatie a!dit audit, verificare conturi a!ditor cenzor, expert contabil a!t ori"ed capita$ capital social (nregistrat) a!t orit& autoritate, autorizatie, autorizare, putere,competenta (drept) a!to in"!rance asigurare auto avai$abi$it& disponibilitate avai$ab$e disponibil ava$ garantare plat (cambie) ava$i"e a garanta plata (unei cambii, etc.), a avaliza a+ard a acorda, a atribui, (contracte) a adjudeca a+are o# nstiintat, informat (despre), constient de a+arene"" n cunostint de cauz, constientizare, instiintare, informare
1

bac* '!p) a sprijini, a acorda sprijin bac* credit credit de aval

bac* o##ice oficiu logistic (de administrare tranzactii ac!iuni) bac*-to-bac* credit credit ajuttor/de sprijin bac*-!p suplimentar, de rezerv bad debtor restantier (plat, rambursare), ru platnic bad debt" restante (plat, rambursare) bai$ cautiune, garantie bai$ee garant (cel care garanteaz), custode bai$,ent garantare bai$or garantat (cel care primeste garantia) ba$ance balant, sold, echilibru ba$ance o# pa&,ent" balant de plti ba$ance o# trade balant comercial ba$ance " eet bilant (contabil) ba$$oon $oan mprumut balon banded rate" rate de sectiune valoric, rate pe transe de valoare ban* banc, agent (n relatia cu clientii) ban*er bancher, persoana cu putere de decizie ntr o banc, banc ban*er2" dra#t polit bancar ban*in% bancar, domeniu/sistem bancar, activitate bancar ban*in% $i-!idit& lichiditate bancar ban*in% ,ar*etin% mar"eting bancar ban*in% operation operatiune bancar ban*in% pa&,ent plat bancar ban*in% "ector sector bancar ban*in% "ervice" servicii bancare ban*r!ptc& bancrut, faliment barter barter, comert n compensatie, troc, schimb n natur ba"e rate rat de baz

be a +arrant #or a constitui garantie pentru be d!e a fi scadent, a fi la scadent be en#orced a intra n vigoare, a fi aplicat be "!b/ect to a face obiectul be va$id a fi valabil bear a purta, a duce bearer purttor bearer bond obligatiune la purttor bearer "ec!ritie" titluri de valoare la purttor be avio!r comportare, comportament be$on% to a apartine, a face parte be$o+ par sub valoarea nominal bene#iciar& beneficiar be"ide" n plus, pe lng bid ofert (licitatie) bid bond obligatiune de ofert, garantie (bancar) pentru participare la licitatie biddin% licitare, licitatie bi$$ nota de plat, factur (de plat), bon, bilet, bon de valoare negociabil 1i$$ o# E0c an%e '13E) cambie bi$$ o# $adin% conosament bi$$ #inance finantare (credit) pe baz de documente bi$$board panou publicitar bi$$in% facturare b$an* spatiu liber/nescris b$an* endor"e,ent andosare n alb b$!e c ip "ec!ritie" titluri de prim ordin board consiliu, comitet board o# director" consiliu de administratie bo$"ter '!p) a sprijini, a sustine, a ncuraja

bond obligatiune, mprumut cu scadent precis bond in"!rance asigurare de cautiune bon!" actiune (gratuit), prim (bonificatie), bonificatie bon!" i""!e emisiune de actiuni gratuite boo* debt datorie de bilant (contabil) boo*-*eeper contabil borderea! '(SA) borderou borro+ a lua cu mprumut borro+er mprumutat, beneficiar de credit botto, capt, fund bo!nd p!rc a"e achizitie legat branc filial, sucursal breac nclcare (lege, promisiune, etc.), a nclca (lege, promisiune, etc.) breac o# tr!"t nclcare a clauzei de ncredere brea* #or+ard contract contract de optiuni valutare brea*-!p lichidare (a unei companii), ncetare activitate brid%in% $oan credit punte broc !re brosur bro*er agent bro*era%e bro"eraj bro*era%e acco!nt cont de bro"eraj b!d%et buget b!d%et acco!nt cont de buget b!d%etin% stabilirea bugetului, bugetare, planificarea bugetului b!i$din% constructie, cldire b!i$din% "ociet& societate de credit ipotecar b!nd$e a activa, a stimula b!"ine"" activitate (comercial), afacere

b!"ine"" acco!nt cont corporal, cont de afaceri b!"ine"" $oan mprumut corporal (pentru afaceri) b!"ine"" ,ar*et piat comercial b!""ine" c!"to,er client persoan juridic b!&-in cumprare de titluri prin intermediul bro"er ilor, (burs) colectare hrtii de valoare de ctre bro"er n vederea vnzrii b!&-o!t vnzarea unei companii (ctre conducerea si angajatii acesteia, de ctre actionari), #$%& b&$a+" '(SA) statut (societate comercial)
C

cab$e telegram, telegrafie ca$$ apelare, apel, cerere de rambursare ca$$ ba"i" pe baz de emisiune, pe baz de apel ca$$ depo"it depozit de apel/la vedere ca$$ $oan credit cu rambursare imediata/rapida4 mprumut de la zi la zi ca$$ $oan '(SA) credit cu rambursare imediat fr preaviz ca$$ option optiune de apel (de cumprare), optiune de cumprare ca$$ab$e rscumprabil, rambursabil cance$ a anula, a revoca cance$$ation anulare, revocare capita$ capital capita$ acco!nt contul capitalului, cont de capital capita$ ade-!ac& adecvarea capitalului, capital adecvat capita$ bond certificat de proprietate asupra capitalului

capita$ ,ar*et piata de capital capita$ ,ove,ent rulaj (de capital) capita$i"ation capitalizare care grij, aten!ie career carier (profesional) car%o " ip nav de mrfuri carria%e transport carr& on a desfsura (o activitate), a derula carr& o!t a ndeplini, a realiza, a efectua carr&over $oan mprumut punctual ca"cade a cobor n cascad, a prezenta n cascad ca"e o# need caz de necesitate ca" a ncasa (bani), numerar, casa, disponibilitti bnesti ca" di"co!nt valoarea unei cambii achitate nainte de scadent, bonificatie/reducere pentru plata n numerar ca" di"pen"er bancomat ca" #$o+ flux de numerar, fluxul numerarului ca" #$o+ "tate,ent situatia fluxurilor de numerar ca" in#$o+ intrare numerar ca" ,ana%e,ent acco!nt cont de gestiune a trezoreriei, cont de gestionare numerar ca" o!t#$o+ iesire/cheltuieli numerar ca" pa&,ent plata n numerar ca" ier casier cate%or& categorie caterin% asigurare/furnizare de alimente si buturi cea"e a nceta (a se opri) CEO 'c ie# e0ec!tive o##icer)'(SA) director general cerea$ #ar,in% cultivarea cerealelor certi#icate certificat

certi#icate o# depo"it 'CD) certificat de depozit certi#icate o# incorporation certificat de nmatriculare, ('()) contract de societate certi#icate o# ta0 depo"it certificat de depozit preimpozitare c an%e schimb, schimbare, a schimba c ar%e a taxa, comision, tax, (la credite) gajare/garantare c ar%e o# responsabil cu c ar%e-o## debit, pierdere, restanta (la rambursare/plata), datorie neachitata c atte$" bunuri mobile c ec* '(SA) cec c e-!e cec c e-!e acco!nt cont curent c ie# acco!ntant contabil sef c ie# e0ec!tive o##icer '(SA) director general c oice optiune, alegere, selectie c$ai, revendicare, reclamatie, creant, (asig.) plata daunelor c$ai, on a cere (un drept) de la c$a!"e clauz c$ean co$$ection incasso simplu c$ear a compensa/a reglementa, clar/evident c$earance permisiune (oficial), autorizare c$earin% compensare c$earin% ban* banc de compensare c$earin% o!"e cas de compensare c$erica$ peop$e functionari c$er* functionar c$ient client (beneficiar al unor servicii de specialitate* ex. avocat,

contabil, banc, etc.), clent deja existent c$!e indiciu, cheie coin moned, fis co$$atera$ garantie (pentru credit), garantie suplimentar co$$ect a ncasa, a colecta, a aduna co$$ectibi$it& capacitate de ncasare/rambursare co$$ectin% ban* banc colectoare co$$ection colectare n vederea ncasrii, ncasare, incasso, colectare, recuperare co$oan mprumut cofinantat co,,ercia$ bi$$ cambie comercial, efecte de comert co,,ercia$ paper titlu de credit, efecte de comert co,,i""ion comision co,,it to a se angaja s co,,it,ent angajament, angajare co,,ittee comitet, comisie co,,odit& marf co,,odit& ,ar*et burs de mrfuri co,,on obisnuit, comun co,,on "toc* '(SA) actiuni ordinare co,,!nication comunicare, comunicatie co,pan& societate comercial, companie co,pan& acco!nt cont corporal (pentru societti comerciale) co,pete a concura, a fi n competitie co,petition concurent, competitie co,p$ete a completa (un formular, etc.), a finaliza co,p$iance conformare co,p$iant to n conformitate cu co,p$& +it a se conforma cu co,pri"e a cuprinde

concern ngrijorare conc$!de a ncheia (un contract, acord, etc.), a concluziona conc$!"ion ncheiere (contract, acord, etc.), concluzionare conditiona$ "a$e vnzare conditionat (prin conventie) cond!ct a conduce, a organiza, a dirija con#ir, a confirma con#ir,ation confirmare con#$ict" o# intere"t conflicte de interese con"ent consimtmnt con"e-!ent$& n consecint, prin urmare con"ider a lua n considerare con"i%,ent note conosament con"o$idated #inancia$ "tate,ent situatie financiar centralizat/consolidat con"orti!, consortiu, grup de firme constitute a constitui con"tr!ction constructii, construire, constructie con"!$tanc& consultant con"!,er consumator con"!,er credit credit de consum con"!,er p!rc a"e achizitie/cumprare de produse de consum contin!o!" %!arantee garantie continu/permanent contract contract contractor contractant, antreprenor contrib!tion aport, contributie contro$ control contro$" restrictii convene a conveni convenience nlesnire, avantaj conver"ion negare a drepturilor asupra bunurilor, conversie

convertib$e bond obligatiune convertibil cope +it a face fat cop& exemplar core nucleu, centru, baz corporate social (ref. societate comercial), corporal (fizic, tangibil) corporate ban*in% activitate bancar cu persoane juridice (societti comerciale)/agenti economici corporate bond obligatiune sociala (de societate comerciala) corporate borro+er" societti comerciale solicitante de credit (mprumutati corporali) corporate c!"to,er" clienti persoane juridice, agenti economici corporate $endin% acordare credite la clienti persoane juridice/agenti economici mari corporation corporatie, companie corporation ta0 impozit pe profit corre"pondent ban* banc corespondent co"t cost co"t ad,ini"tration administrarea costurilor co!nter ghiseu co!nter-trade contrapartid, comert n compensatie co!nteract a contracara, a neutraliza co!pon bond obligatiune cupon covenant clauz (in contractul de credit), clauz restrictiv credit credit, mprumut credit acco!nt cont de credit credit an acco!nt a alimenta un cont

credit a%ree,ent acord de mprumut/credit credit card carte/card de credit credit in"!rance asigurare credite credit $ine linie de credit credit "a$e a%ree,ent conventie de credit pentru vnzare/cumprare de bunuri de consum credit ri"* risc de creditare/acordare credite creditor creditor, mprumuttor creditor" conturi pltibile, creditori cro"" (cecuri) a bara cro""ed c e-!e cec barat cro""in% (cecuri) barare c!rrenc& moned c!rrenc& acco!nt cont valutar c!rrenc& ,ar*et piat valutar c!rrenc& option optiune de schimb valutar c!rrenc& ri"* risc valutar c!rrenc& "+ap cumparare/vanzare de moned/valut, prin folosirea simultana a piatelor valutare la vedere si la termen c!rrenc&3,one& i""!e emisiune de moned/valut c!rrent acco!nt cont curent c!rrent a""et" active circulante/curente c!rrent $oan credit curent/in derulare c!"todian custode c!"tod& custodie c!"to,er client (cumprtor), client potential
D

dair& produse lactate dair& #ar,in% cresterea animalelor pentru lapte da,a%e daun, daune

da,a%e" despgubire/i data date (de referint) data proce""in% procesare de date date dat (timp) dea$ afacere, tranzactie, operatiune comercial dea$ in a comercializa (a vinde si a cumpra) dea$ +it a se ocupa de/cu dea$er comerciant, negustor dea$in% tranzactie, tranzactionare dea$in% roo, '(SA) trezorerie debent!re obligatiune (negarantat), mprumut garantat cu active, titlu de creant debit debit, a debita debit card carte/card de debit debitor debitor, solicitant de credit debt datorie, creant debt "ervice serviciul datoriei, amortizare a datoriilor debtor datornic debtor" conturi ncasabile, debitori deci"ion-,a*in% luarea deciziilor dec$ine scdere/declin, a scdea/a fi n declin decrea"e a scdea, a diminua ded!ct #ro, a deduce/scdea din ded!ctib$e deductibil, care se scade din deep di"co!nt bond obligatiune cu rabat mare de#a!$t incapacitate de plat/rambursare, neachitare, neplat de#eat zdrnicire, anulare de#er a amna, a ntrzia de#erred pa&,ent" plti amnate de#$ation deflatie de#$ationar& deflationar de%ree grad, proportie de$a& a ntrzia, ntrziere

de$in-!ent $oan credit restant de$iver a livra de$iver& livrare de$iver& ter," termeni (conditii) de livrare de,and cerere/solicitare, a cere/a solicita de,and in +ritin% cerere scris depart,ent departament, directie, serviciu dependant persoana in intretinere depo"it depozit, depunere depo"it acco!nt cont de depozit depo"it-ta*in% atragere de depozite depo"itor deponent depreciation amortizare, depreciere dere%!$ation dereglementare, liberalizare, ridicare/eliminare restrictii derivative" contracte (la termen) de schimb plti, instrumente financiare derivate de"i%n a proiecta, proiect detail detaliu deter,ine a determina deve$op,ent dezvoltare, evolutie dia$ a n!,ber a forma un numr (la telefon) diar& jurnal, agend (de notite) di##erence diferent, rest di##erentia$ diferent (valorica) di%it '(SA) cifr direct a directiona direct debit debitare direct directorate directie (n organigram) director& ghid, carte de telefon di"b!r"e (credit) a angaja/elibera di"b!r"e,ent angajare/eliberare (credit) di"c$o"e a divulga di"c$o"!re divulgare

di"co!nt a sconta/scont, (comert) rabat, reducere di"co!nt bond obligatiune de prim emisiune di"co!nt o!"e cas de scontare di"co!nt ,ar*et piat de scont di"co!ntin% scontare di"co!ntin% o# bi$$" scontare de cambii di"#!nction disfunctiune, defect di" ono!r a nu plti (un cec, cambie, etc.), neonorare di"patc a expedia/a livra, livrare/expediere di"tre""ed $oan mprumut n dificultate di"trib!te a distribui di"trib!tion distributie, distribuire di"trib!tor distribuitor divi"ion directie, sector do a+a& +it a elimina, a desfiinta doc!,ent document doc!,entar& co$$ection 'D3P4 D3A) incasso documentar doc!,entar& credit acreditiv documentar do,e"tic intern, national do!bt#!$ $oan credit indoielnic/cu probleme dra#t trat, polit dra+ a trage dra+ in a atrage dra+ee tras, banca trgtoare dra+er trgtor, ordonator plat dra+in% tragere dra+n bond obligatiune tras in vederea rambursarii drop a scdea (preturi, etc.) d!e scadent, cuvenit, eligibil d!e co!r"e la sau dup scadent d!e date data scadentei d!e to datorit, datorat/ (cuiva)

d!p$icate copie d!rab$e" bunuri de folosint ndelungat d!t& datorie (sarcin), tax
E

earn a cstiga, a ob!ine venit/profit earnin% cstig, venit, profit E-ban*in% banca electronic (servicii bancare prin internet) econo,ic recover& $oan mprumut pentru redresare economic econo,ie" o# "ca$e economii la scar (utilizarea eficient a capacittilor de productie) e##ective eficient, efectiv e##ectivene"" eficient e##icienc& eficient, randament e$ect a alege e$ectronic-ba"ed pa&,ent plat cu mijloace electronice e,er%ence aparitie (formare) e,er%enc& recon"tr!ction $oan mprumut pentru reconstructie e,er%in% ,ar*et piat n formare e,p$o& a angaja (a oferi o slujb) e,p$o&ee angajat, salariat e,p$o&er patron, angajator e,p$o&,ent angajare, asigurare fort de munc, folosire (fort de munc) enact a promulga (o lege, hotrre, etc.) enca" a ncasa (bani) enc$o"e a anexa endor"e a andosa (confirma transferul/plata prin scrierea numelui pe spatele instrumentului negociabil), a ceda dreptul de ncasare endor"ee girat, beneficiarul platii endor"e,ent andosare, gir (titlu credit)

10

endor"er girant, confirmatorul platii endo+,ent $i#e po$ic& polit de asigurare mixt de viat endo+,ent ,ort%a%e credit ipotecar cu plata prima de asigurare si dobnda banca, ipotecare pentru plata primelor (la o asigurare mixt de viat), ipotecare dobndit en#orce a aplica (o lege, hotrre) en#orce,ent aplicare (lege, hotarre, etc.) en ance a mbuntti, a spori en ance,ent mbunttire, sporire entit$ed to ndrepttit s entit+ entitate entreprene!r antreprenor, ntreprinztor entr& nregistrare, a nregistra environ,ent mediu (nconjurtor), ambiant e-!ip,ent echipamente e-!itab$e ,ort%a%e ipotecare echitabil (cnd mprumutatul pstreaz dreptul de proprietate) e-!it& ac!iune ordinar e-!it& capita$ capital social (fonduri proprii) e-!it& #inance finantare pentru cumprare actiuni e-!it& $oan mprumut participativ e-!it& option optiune de participare (cumprare ac!iuni) e-!it& " are" ac!iuni ordinare e"cro+ acco!nt '(SA) cont blocat pentru a fi folosit drept garantie e"tab$i" a stabili, a nfiinta e"tab$i" ,ent stabilire, nfiintare e"tate 'rea$ e"tate) proprietate, avere e"tate a%ent agent imobiliar e"tate a%ent" acco!nt cont pentru agenti imobiliari

e"ti,ate estimare, deviz e"toppe a stopa retractarea e"toppe$ stoparea retractrii e!robond euroobliga!iune e!roc!rrenc& euromoned, eurodevize e!ro,ar*et europiat e!ronote eurobancnot, eurobilet (la ordin) eva$!ate a evalua event eveniment, ocazie evidence dovad, dovezi e0ce"" excedent e0c an%e schimb, transfer/a schimba, a transfera e0c an%e #or n schimbul e0c an%e rate rat de schimb, curs de schimb (valutar) e0ci"e acciz e0ci"e d!t&3ta0 acciz, impozit indirect e0ec!te a executa e0ec!tor executor e0ec!tor o# +i$$" executor testamentar e0erci"e a $ien a realiza un gaj e0erci"e price pret de exercitiu (al unei optiuni) e0it bond obligatiune de iesire e0pectation asteptare, sperant e0pected to de asteptat s e0pendit!re cheltuieli (generale, globale) e0pen"e cheltuial (curent) e0pert expert, specialist, referent de specialitate e0perti"e competent (profesional) e0pire a expira e0pir& expirare e0pir& date data expirrii e0po"!re expunere (la), efect periculos, expunere la risc

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e0tend a extinde e0terna$ c!"to,er client extern

F

#ace a se confrunta cu #ace a,o!nt valoare nominal #ace va$!e valoare nominal #aci$itate a facilita, a u,ura #actor factor, realizatorul factorizrii, executantul factorizrii #actorin% factorizare #ai$ a rata, a nu putea s #ai$!re esec, ratare #a,ine foamete #are +e$$ a evolua, a merge bine #ea"ib$e fezabil #eat!re trstur, caracteristic fee onorariu, tax, comision #i%!re cifr #i$$ in a completa (un formular, etc.) #inance finante, finantare, fonduri/a finanta #inance o!"e cas de finan!are #inancia$ financiar #inancia$ a""et" active financiare, investitii financiare #inancia$ #!t!re" titluri cu venit fix, instrumente financiare la termen #inancia$ $ea"e nchiriere financiar #inancia$ $ea"in% nchiriere financiar #inancia$ po"ition situatia financiar #inancia$ "tate,ent situatie financiar (raport), raportare financiar #inancin% finantare find enclosed a gsi anexat #ind o!t a afla, a descoperi #ine amenda #ir"t ,ort%a%e3c ar%e ipoteca de rangul -

#ir"t option bond obligatiune .irst/de prim optiune #i"ca$ fiscal #it in a (se) potrivi, a (se) adapta, a (se) integra #i0ed a""et" active fixe, imobilizri #i0ed contract contract forfetar #i0ed rate rat fix #i0t!re" bunuri imobile #$oatin% mobil, flotant, variabil #$oatin% rate rat schimbtoare/variabil #$oatin% rate note euroobligatiuni cu dobnd ajustabil #$oor ring bursier #$!ct!ation fluctuare #oc!" on a se concentra asupra #oot"ie 'Financia$ Ti,e" Stoc* E0c an%e) indice al actiunilor celor mai importante -// de companii #orei%n bond obligatiune emis n strintate #orei%n c!rrenc& devize, valut, moned strin #orei%n c!rrenc& option 'FCO) optiune de schimb n valut #orei%n e0c an%e 'F5) devize (convertibile), schimb valutar, valut strin, rezerve valutare #orei%n e0c an%e acco!nt cont valutar #orei%n e0c an%e ,ana%e,ent administrarea rezervelor valutare #orei%n $oan mprumut n valut strin #ore0 devize, valut, piat valutar #or#ait a forfeta #or#aiter forfetor #or#aitin% forfetare #or%e a falsifica #or%er& falsificare #or, formular, form

12

#or+ard la termen fix/a nainta, a trimite #or+ard contract contract la termen fix #or+ard cover acoperire valutar la termen fix #or+ard #orei%n e0c an%e contract contract valutar la termen fix #or+ard ,ar*et piat pentru contracte la termen fix #or+ard rate a%ree,ent acord de compensare fluctua!ii rat de schimb #ranc i"e franciz, contract de marc #ranc i"ee beneficiar franciz #ranc i"in% francizare #ranc i"or proprietar franciz #ra!d fraud #ree o$d (cu) drept inalienabil asupra propriettii, in posesie/proprietate #rei% t navlu #ront o##ice oficiu de lucru cu publicul, oficiu de relatii directe cu clientii (pentru tranzactionare valori mobiliare) #ront co,,i""ion comision de deschidere #ront #ee onorariu (tax) de deschidere FTSE 677 Inde0 indice al actiunilor celor mai importante -// companii (.inancial 0imes) #!nction functie, rol/a functiona #!nd fond (de bani), a finanta #!nd tran"#er transfer de fonduri #!ndin% finantare #!t!re contract la termen, instrument la termen #!t!re" contract contract pe baz de instrumente la termen

#!t!re" ,ar*et piat pentru instrumente la termen

G

%eared eficient, apt, echilibrat %earin% efect de prghie, raportul dintre ndatorare si capitalul propriu (solvabilitate) Genera$ In C$earin% departament de compensare Genera$ Led%er 1artea mare %enera$ o##ice cabinet %i$t-ed%ed "ec!ritie" titluri de stat (numai n #area %ritanie) %iroban* banca giro %ive notice a anunta, a notifica, a aviza %oa$ scop, obiectiv %ood per#or,ance buna executie %ood" mrfuri, bunuri %overn,ent bond obligatiune de stat %overn,ent "ec!ritie" titluri de stat, efecte publice %rant '$oan) a acorda (mprumut) %ro"" pro#it profit brut %ro!p grup %ro+t crestere %!arantee a garanta/garantie, garantatul (persoan) %!arantor (la credite) girant, garant %!ardian tutore (copii)
H

abit obicei (deprindere) and$e a manipula (efectua operatiuni fizice) and$in% manipulare ard c!rrenc& moned forte ard $oan mprumut n conditii de piat

13

a!$a%e transport (terestru) eadin% titlu, antet ed%e a evita riscul, a acoperi la termen, a (se) proteja mpotriva riscului ed%in% protectie mpotriva riscului, transfer de risc, acoperire la termen ereb& prin prezenta ereina#ter n continuare (n contracte) i% intere"t acco!nt cont cu dobnd ridicat i% tec tehnologie de vrf ire-p!rc a"e cumprare n rate o$d a tine, a detine o$der detintor o$din% actiuni (ntr o companie), societate de portofoliu, detinere de actiuni o,e ban*in% banca la domiciliu home loan mprumut imobiliar ono!r a onora, a plti (un cec, cambie, etc.) o!"e #inancin% finantare pentru constructii de locuinte o!"e ,ar*et piat imobiliar o!"e p!rc a"e $oan credit (pentru achizitionare sau constructii de case) o!"e o$d gospodrie, cas o!"e o$d bi$$ factur (pentru achitare cheltuieli casnice/gospodresti) o!"e o$d e0pen"e" cheltuieli gospodresti !b butucul rotii, centru, nucleu !,an re"o!rce" resurse umane
I

identi#ication identificare identit& identitate i,po"ter impostor

i,prove,ent mbunttire, modernizare, reparatii in c ar%e o# n rspunderea, n responsabilitatea in d!e co!r"e la sau dup scadent in d!e ti,e n timp util in #avo!r o# n favoarea in re"pect o# n functie de, n raport cu incentive stimulent inc oate c e-!e cec scris incomplet inc$!de a include, a cuprinde inco,e venit (global) inco,e bond obligatiune cu perioad fix de valabilitate inco,e "tate,ent '(SA) situatia veniturilor (raport), contul de profit si pierderi incorporation nmatriculare (a unei companii) increa"e spor, majorare/a creste, a majora inc!r a include, a cuprinde indebtne"" ndatorare, datorii inde,nit& asigurare (garantie), compensare, despgubire inde0 $oan mprumut indexat inde0 option op!iune indexat inde0ed bond obligatiune indexat inde0ed $oan mprumut indexat indicative p$annin% planificare pe baz de indicatori indicator indicator individ!al individ, persoan fizica ind!ce a determina ind!"tria$ $i#e po$ic& polit de asigurare de viat (cu sum mic asigurat), polit sindical (ajutor de nmormntare) ind!"tria$ re$ation" relatiile cu sindicatele

14

in#$ation inflatie inflo2 intrare, influx influence influenta/a influen!a inform a informa, a aduce la cunostint in#or,ation tec no$o%& 'IT) tehnologia informational/informatiei inp!t intrare, recep!ie in"o$venc& insolvabilitate in"ta$,ent rat in"ta$,ent credit credit n rate in"tant la moment, pe loc, instantaneu in"tit!tion institutie in"!rance asigurare in"!rance bro*er agent/bro"er de asigurri in"!rance bro*er acco!nt cont pentru agenti de asigurri in"!rance b!"ine"" activitate de asigurri in"!rance co,pan& companie de asigurri, societate de asigurri in"!rance po$ic& polit de asigurare in"!rance pre,i!, prim de asigurare in"!red asiguratul (persoana fizic sau juridic asigurat) in"!rer asigurator intan%ib$e a""et" imobilizri necorporale inter-ban* ,ar*et piata interbancar inter-ban* p$ace,ent" plasamente interbancare inter-co,pan& ,ar*et piata societtilor comerciale intere"t dobnd, interes intere"t rate rata dobnzii intere"t rate cap plafon al ratei dobnzii, rat a dobnzii cu plafon

intere"t rate co$$ar" coridorul ratei dobnzii, toleranta ratei dobnzii intere"t rate #$oor prag al ratei dobnzii, limita inferioara a ratei dobanzii intere"t rate option optiune la rata dobnzii intere"t rate "+ap schimb de plati dobanda cu rata fixa, simultan, cu rata variabila inter,ediar& intermediar interna$ c!"to,er client intern inve"tee beneficiar (primitor) al investitiei inve"t,ent (financiar) plasament, (economic) investitie inve"t,ent acco!nt cont de investitii/ plasamente inve"t,ent port#o$io portofoliu investitional (de plasamente) inve"t,ent tr!"t fond nchis de investitii (cu capital fix), societate de plasamente inve"tor investitor invoice factur/a factura invoice di"co!ntin% plat cu rabat a valorii nominale a unei facturi i""!ance emitere i""!e emisiune/a emite i""!e o!"e cas de emisiune i""!er emitent i""!in% ban* banc emitent ite, element, component, obiect
8

/eopard& $oan mprumut pentru caz de pericol /obber agent zilier, intermediar bursier intre persoane fizice /oint comun /oint acco!nt cont comun

15

/oint vent!re asociatie in participatiune, parteneriat temporar pentru realizarea unui obiectiv comercial specific /oint$& and "evera$$& mpreun si cu totii, in mod solidar /!,bo $oan mprumut gigant /!nior ,ana%e,ent conducere inferioar (la nivelul de jos al managementului) /!nior ,ana%er sef de birou
.

*eep a pstra, a !ine *noc* do+n a adjudeca (licitatia) *no+$ed%e cunostinte, date
L

$ac* 'o#) lips (de) $and credit credit funciar $a+ lege $a+&er avocat, jurist $ead ban* banca coordonatoare a sindicatului $ea#$et fluturas publicitar $ea"e a nchiria/nchiriere (pe termen lung) $ea"e o$d n arend, nchiriat $ea"in% nchiriere (pe termen lung) $ed%er registru (de conturi), cartea mare $e%al legal $e%a$ ,ort%a%e ipotecare legal $e%a$ entit& persoana juridic $e%a$i"e a legaliza $e%i"$ation legislatie $end a da cu mprumut, a acorda credit $ender mprumuttor, creditor $endin% mprumutare, creditare $endin% ban* banca creditoare

$endin% #i$e dosar de credit $endin% rate rata de mprumut $e"" a""et" minus active $e""ee utilizatorul/beneficiarul activului nchiriat, debitor leasing $e""or locator, proprietarul activului nchiriat, creditor leasing $et "o,ebod& *no+ a aduce la cunostint, a face cunoscut Letter o# Credit 'L3C) scrisoare de credit, acreditiv $etter o# %!arantee scrisoare de garantie $etter ead antet $eve$ nivel/a nivela $eve$ o!t3o## a stabiliza $evera%e '(SA) efect de parghie, raportul dintre ndatorare si capitalul propriu (indicator de solvabilitate) $evera%ed b!&-o!t preluarea unei companii prin cumprarea actiunilor cu fonduri obtinute din credite, #$%& cu folosire de credite $evera%ed tran"action" 'S(A) tranzactii cu sume mprumutate, achizitionri de companii (cu fonduri obtinute de pe pietele financiare) $iabi$itie" pasive $iabi$it& rspundere $iab$e #or3on rspunztor de $icence licent, autorizatie $icen"e a acorda licenta/autorizatie $id capac $ien gaj $ienee debitor gajist, persoana gajata $ienor creditor gajist, gajator $i#e a""!rance asigurare de viat (termen folosit n )nglia si 1anada) $i#e in"!rance asigurare de viat (produs specific societtilor de asigurri)

16

$i#e in"!rance po$ic& polit de asigurare de viat $inear ,ort%a%e ipotecare liniar $ine o# credit linie de credit $i-!id ade-!ac& adecvanta lichidittilor $i-!id a""et" lichiditate n active (patrimonial) $i-!idator lichidator $i-!idit& lichiditate, lichiditti $iti%ation litigiu $ive"toc* #ar,in% zootehnie, cresterea animalelor pentru carne $oad ncrctur $oan mprumut, credit $oan capita$ capital din credite, mprumuturi $oan capita$ "ec!ritie" titluri pe capitalul constituit din mprumuturi $oan a%ree,ent contract de mprumut $oan "toc* obligatiune negarantat, titlu de creant rscumprabil $oanab$e destinat mprumutarii, mprumutabil $oca$ local $oca$ a!t orit& bi$$ bilet de valoare emis de autoritti locale $oca$ a!t orit& bond obligatiune emis de autoritti locale $od%e +it a depune la $o"" pierdere, pagub $o"" $oan credit cu pierderi $!,p "!, sum integrala/globala
M

,ac ine aparat ,ac iner& utilaje, echipamente ,ai$-order re,ittance plat prin post (cumprare cu plata prin mandat postal) ,ain principal

,ain$& n principal ,aintain a mentine, a ntretine ,aintenance ntre!inere ,a$#!nction disfunctiune, defect ,ana%e a conduce, a administra ,ana%e,ent conducere, administrare, personalul de conducere a unei societati comerciale ,ana%e,ent acco!ntin% contabilitate managerial (de gestiune) ,ana%er sef, conductor ,ana%in% director director general ,andate mandat, nsrcinare ,an!#act!rin% industrie manufacturier, fabricare ,an!re blegar ,ar%in marj ,ar%ina$ marginal ,ar%ina$ co"t cost marginal ,arita$ "tat!" starea civil ,ar*et piat ,ar*et ,a*er creator de piat, operator pe piata ,ar*et ,i0 mix de piat ,ar*et re"earc cercetarea/studierea pietii ,ar*et "e%,entation sectorizarea (segmentarea) pietii ,ar*et " are parte/proportie din piata controlata/dominata de un agent economic ,ar*et va$!e valoare de piat, valoare bursier ,ar*etabi$it& capacitate de comercializare, negociabilitate ,ar*etab$e comerciabil, negociabil ,ar*etab$e "ec!ritie" titluri negociabile, titluri comercializabile ,ar*eter functionarul responsabil cu mar"etingul, operatorul de mar"eting

17

,ar*etin% mar"eting (comercializare, plasamente, promovare) ,ar*etin% ,i0 mixul de mar"eting match a potrivi, a adapta ,at!rit& scadent ,eet de,and" a satisface cererile ,eet re-!ire,ent" a satisface cerinte/necesitti Me,orand!, 'o# A""ociation) contract de asociere/societate ,erc andi"e marf ,erc ant comerciant, negustor ,erc ant ban* banc de investitii ,er%er fuziune, fuzionare ,e""a%e mesaj ,et od metod ,et odo$o%& metodologie ,idd$e $ine linia median ,idd$e ,ana%e,ent conducere median (la nivel mediu de management) ,idd$e o##ice oficiul intermediar (n 0rezorerie) ,inor minor, persoana minor ,i0ed econo,& economie mixt ,onetar& monetar ,one& ,ar*et piat monetar ,one& order mandat de plat ,one& "!pp$& masa monetara ,onopo$& monopol ,ort%a%e ipotecare, credit ipotecar ,ort%a%e bond obligatiune acoperit prin ipotecare, obligatiune de credit ipotecar ,ort%a%e credit3$oan credit ipotecar ,ort%a%e protection po$ic& polit ipotecar de protectie, polit pentru ipotec n caz de deces ,ort%a%ee beneficiarul ipotecii, ipotecatorul ,ort%a%or ipotecatul,

,otor dea$er comerciant de autovehicule MT ',ai$ tran"#er) transfer prin post ,!" roo, ciuperc ,!t!a$ #!nd '(SA) fond mutual de investitii (plasamente)
N

narrative explicatie, relatare 'Nationa$) Ga9ette #onitorul &ficial nation+ide pe plan national, la nivel national nat!ra$ entit& persoan fizic near ,one& cvasimoned need nevoie, necesitate ne%otiab$e doc!,ent" documente negociabile net pro#it profit net net+or* retea ne+co,er nou venit nic e nisa, segment de piata foarte particularizat/restrans no,ina$ (pret) mic, sczut non-accr!in% $oan mprumut neproductiv non-a""ented bond obligatiune neaprobat non-ca$$ab$e bond obligatiune neamortizabil non-per#or,in% $oan mprumut neproductiv, mprumut/credit neperformant no"tro acco!nt cont nostro (al nostru) note a observa, bancnot, bilet note i""!e #aci$it& angajament de emisiune bilete la ordin note rate curs oficial de schimb, rat a titlurilor cu recunoastere a datoriei note" pa&ab$e plati diverse, diferite forme de plata

18

notice nstiintare, aviz, avertisment noti#ication avizare noti#& a notifica, a anunta, a (se) aviza, a aduce la cunostint n!$$ and void nul si neavenit O ob/ect" obiect de activitate ob$i%ation obligatie, ndatorire obvio!" evident, clar occ!r a se ntmpla, a avea loc o# $a"t re"ort de ultim instant o##-ba$ance " eet extrabilantier, in afara bilantului o##er a oferi/ofert o##erin% oferire, transmitere ofert o##eror ofertant o##ice birou, compartiment office acco!nt cont profesional o##icia$ persoan oficial, oficialitate 'O##icia$) Ga9ette #onitorul &ficial o##" ore ban*in% activitate bancar n zone cu scutiri de impozite/n zone de paradis fiscal o##" ore #!nd" fonduri n zone cu scutiri de impozite (zone de paradis fiscal) on-ba$ance " eet in bilant on be a$# o# n numele on condition t at cu conditia ca on-$ine n retea, prin reteaua de computere, simultan open acco!nt cont deschis openin% ba$ance sold la deschidere operate a functiona, a actiona operatin% core baza operational (de productie) operatin% $ea"e nchiriere operational (de exploatare) operatin% $ea"in% nchiriere operational (de exploatare)

operation functionare opinion opinie, prere opport!nit& ocazie, sans option ot!iune, contract de optiuni, titlu de optiune option #or+ard optiune de interval/la termen option #or+ard contract contract cu optiune la termen order bi$$ cambie la ordin. titlu (de valoare) la ordin order c e-!e cec la ordin orderin% c!"to,er ordonator (plat) orderin% in"tit!tion institutie ordonatoare (a pltii) ordinar& " are" actiuni ordinare or%ani"ation organizatie, institutie or%ani"ationa$ organizational, de organizare ori%ina$ original ori%ina$ i""!e di"co!nt bond obligatiune de prim emisiune, cu rabat ori%inatin% #!nction functie de initiere o!tcr& strigare (la burs) o!t#$o+ iesire, scurgere o!t$et punct de deservire, punct de vnzare/desfacere o!tp!t iesire, expediere o!tri% t direct, cu pretul integral n valut o!tri% t pa&,ent plat simpl (direct) o!t"tandin% nerezolvat, rmas de reglementat, ramas de platit/rambursat o!t"tandin% bond obliga!iune n circulatie o!t"tandin% $oan credit n derulare, mprumut neamortizat/in curs de rambursare

19

o!t"tandin% "ec!ritie" titluri n circulatie over-t e-co!nter extrabursier (in afara bursei), necotat over-t e-co!nter "ec!ritie" titluri necotate la burs overa%e loan mprumut pentru acoperire costuri overdra#t descoperire de cont overd!e debt" arierate, datorii care au depsit termenul de scadent overd!e $oan credit restant over ead co"t" '(SA) cheltuieli (costuri) indirecte/administrative over ead" cheltuieli (costuri), indirecte/administrative, cheltuieli de regie o+e a datora o+n a poseda, a avea n proprietate/propriu o+ner proprietar o+ner" ip proprietate
P

pac* a ambala pac*a%e pachet, set pac*a%e $oan mprumut global (pentru control preturi) pac*in% ambalare pa,p $et '(SA) prospect, pliant paper $o""e" pierderi pe hrtie (n documente) paper-ba"ed pa&,ent plat pe baz de bancnote sau documente par egalitate, valoare nominal parent co,pan& societate mam (intr un grup,consortiu) parit& paritate part " ip,ent ncrcare (transport) partial participation $oan mprumut de activitate

partic!$ar detaliu, trastura specific/specific partic!$ar to specific la partner partener, asociat partner" ip asociatie/asociere, parteneriat part& parte (ntr o asociere, contract, etc.) pa"" a nmna, a vota (lege) pa"" 'a $a+) a vota, a adopta pattern model, tipar pa+n gaj cu deposedare pa& do+n a achita pa& in a vrsa bani n, a alimenta (cu bani/fonduri) pa& o!t a efectua plata ctre beneficiar, a cheltui pa&ab$e pltibil, care urmeaz s fie pltit pa&ab$e on de,and pltibil la cerere pa&,a"ter ordin de plat garantat pa&,ent plat, vrsmnt pa&,ent in"tr!,ent instrument de plat pa&,ent order ordin de plat pa&ro$$ salarii, salarizare, lista de plata a salariilor pe%%in% $oan mprumut indexat pena$t& penalizare, penalitate pen"ion pensie pen"ion #!nd fond de pensii pen"ion po$ic& polit suplimentar de pensie peppercorn rent nchiriere nominal per#or, a realiza, a efectua per#or,ance realizare, efectuare, performant/a realiza per#or,ance bond garantie de executie per#or,er interpret, realizator period perioad

20

perpet!a$ bond obliga!iune perpetu per"ona$ acco!nt cont personal per"ona$ c!"to,er client (individ), client persoan fizic per"ona$ $endin% acordare credite la persoane fizice per"onne$ personal (de regula, in organigrame) per"!ade a influenta, a convinge per"!ation influentare, convingere pipe$ine $oan mprumut n rezerv p$an a planifica p$annin% planificare p$ant utilaje, echipamente p$ed%e amanet p$ed%ee creditor/beneficiar amanet p$ed%or debitor amanet p$o!% bac* a reinvesti p$o+ bac* '(SA) a reinvesti po$ic& polit po$ic& o$der detintor de polit de asigurare po$$ sondaj (de opinie), vot poo$ed $oan mprumut de folosint n comun port#o$io portofoliu, actiuni si pachete de actiuni port#o$io contrib!tion ri"* risc de pierderi in cadrul portofoliului, risc subevaluare garantii la creditele din portofoliu port#o$io "ec!ritie" titluri de portofoliu po"ition situatie, post, functie (n organigram) po+er o# attorne& procur, mandat pre-ta0 ante impozitare, preimpozitare prearran%ed prealabil, prestabilit

pre#erence " are" actiuni preferentiale (cu dividende prioritare fat de actiunea ordinar) pre#erred "toc* '(SA) actiune privilegiat (preferential) pre,at!red $oan mprumut cu rambursare anticipat pre,i"e" sediu (al unei societti comerciale), cldirea sediu pre,i!, prim (de asigurare), pret de cotare (al unei actiuni) pre,i!, "avin% bond obligatiune cu prim (neimpozabil) pre"erve a pstra prevent a preveni prevent to a se dovedi a previo!" prealabil, anterior previo!"$& anterior, n prealabil price pret pricin% stabilire a pretului pri,ar& ,ar*et piat de prim rang, piat primar pri,ar& ,one& bani primari principa$ valoarea creditului (fr dobnd), client n relatia cu banca, comitent princip$e principiu printo!t foaie imprimat, listare prior 'to) prealabil, anterior private privat, particular private ban*in% serviciu bancar de administrare plasamente private, activitate bancara de consultanta si administrare a plasamentelor pentru clienti investitori, internationali privati si institutionali (organizatii) private co,pan& societate comercial privat private c!"to,er" clienti investitori probate advance avans pentru administrare

21

prob$e, $oan credit neperformant/cu probleme proced!re procedur, norma, regula prod!ce produse agricole/a produce prod!ce $oan mprumut garantat cu bunurile cumprate/cu produse agricole prod!ct produs, rezultat al muncii pro#e""iona$ profesionist pro#it profit pro#it and $o"" acco!nt contul de profit si pierderi, situatia veniturilor pro%ra, $oan mprumut program pro/ect $oan mprumut proiect pro,i""or& note bilet la ordin pro,ote a promova pro,otion promovare propert& proprietate, patrimoniu proprietor proprietar pro"pective n devenire, de perspectiv pro"pect!" ofert public pentru vanzare actiuni, (licitatii) invitatie de subscriere la o licitatie prote"t a protesta provide '+it ) a asigura (cu), a furniza provi"ion provizion, prevedere (n contracte, etc.) p!b$ic public p!b$ic co,pan& societate comercial public, societate anonima (')) p!b$icit& reclam, publicitate p!b$ic$& i""!ed bond obligatiune emis pe baz de subscriptie public p!rc a"e cumprare, achizitie/a cumpra, a achizitiona p!rc a"e contract contract de achizitie/cumprare p!rpo"e scop, destinatia creditului

p!r"!ance o# conform (cu), n conformitate cu p!t in #!nd" a avea disponibil. a avea fonduri depuse (ncrcate, alimentate), a alimenta (cu fonduri) put into effect a intra n vigoare p!t option optiune de vnzare p&ra,id piramid
:

-!a$i#ied endor"e,ent andosare cu specificare -!a$it& calitate -!a$it& $oan mprumut de calitate (%$34) 5uarter trimestru 5uarterl+ trimestrial -!ic* di"b!r"in% $oan mprumut cu angajare rapid/imediat -!it a prsi, a abandona -!otation cotare -!ote a cota (la burs), cot

rai"e a procura (capital, fonduri) rai"e capita$ a procura/aduna capital ran%e gam, limite rate rat rate o# e0c an%e rat de schimb, curs valutar rate o# ret!rn rata recuperrii/de revenire, rata rentabilittii/randamentului ratio raport, relatie, indicator (comparativ) rea$ real, concret rea$ a""et" active imobiliare, investitii imobiliare rea$ e"tate proprietate (imobiliar) rea"on motiv

22

receipt ncasare, primire, chitant receivab$e ncasabil, care urmeaz s fie ncasat receivab$e" creante recipient primitor (cel care primeste) reco%ni"e a recunoaste, a accepta reco%ni"ed recunoscut, acceptat record a nregistra/nregistrare reco!p a recupera reco!r"e recurs, risc (la colectare creante) recover a recupera recover& recuperare, redresare red c$a!"e credit acreditiv cu clauz rosie redee, a rscumpra redee,ab$e rscumprabil re#er to a (se) referi la, a mentiona re#erence referint re#!rbi" ,ent renovare, modernizare re%i"ter a nregistra re%i"tered bond obligatiune nominal re%!$ate a reglementa, a stabili norme si reguli re%!$ation reglementare, regulament, dispozitie re%!$ation" norme, reglementri, statut rei,b!r"e a rambursa rei,b!r"e,ent ramburs, rambursare rei,b!r"in% ban* banca rambursatorie reinve"t a reinvesti re/ect a respinge, a refuza re$ate 'to) a se referi la, a se raporta la re$ation" ip relatie, legtur, raport re$evant relevant re$iab$e sigur, serios, de nadejde

re$iant dependent (de) re$& on '!pon) a se baza pe, a conta pe re,ainder rest re,it a expedia (o plat), a transmite re,ittance transmitere, plat (expediat) re,ove a ndeprta, a elimina renta$ chirie, abonament la servicii (ex. telefon) repair a repara/reparatie repa& a rambursa, a achita, a plti (o datorie, etc.) repa&,ent rambursare repa&,ent "c ed!$e grafic (program) de rambursare report raport, dare de seam repre"entative o##ice reprezentant, birou de reprezentare rep!rc a"e a%ree,ent contract de rscumprare titluri de valoare rep!tation reputatie re-!e"t a cere, a solicita/solicitare, cerere re-!ire a cere, a necesita re-!ire,ent cerint, necesitate re"earc cercetare, studiere, studiu re"identia$ rezidential re"identia$ propert& proprietate rezidentiala, proprietate asupra unor imobile re"o$!tion decizie, rezolutie/hotarare (oficiala) re"o!rce resurs re"pect o# n functie de, n privinta re"pon"ib$e #or rspunztor de, avand sarcini/atributii de a6 re"t +it a rmne la, a reveni (cuiva) re"tricted-c$o"e acco!nt cont cu nchidere restrictiv

23

re"!$t '#ro,) a decurge din, a rezulta din retai$ cu amnuntul retai$ ban* banc cu amnuntul ( pentru persoane fizice si mici agenti economici) retain a retine, a reporta, a nu repartiza retire a iesi la pensie retired pensionar ret!rn randament, rentabiliate, revenire/a reveni ret!rn on a""et"'ROA) rentabilitatea/randamentul activelor, rentabilitatea economica ret!rn on capita$3e-!it& 'ROE) rentabilitatea/randamentul capitalului ret!rn on inve"t,ent" 'ROI) rentabilitatea/randamentul plasamentelor (investitiilor) reven!e venit curent (obtinut prin desfsurarea unei activitti) revie+ a revedea/revedere, a analiza revi"e a reconsidera, a reanaliza revocation revocare, anulare revo*e a revoca, a anula revo$vin% credit credit reutilizabil, acreditiv reutilizabil revo$vin% credit acco!nt cont pentru acreditiv reutilizabil revo$vin% $oan mprumut reutilizabil, linie de credit re+ard a recompensa/recompensare, recompens ri% t 'o# abandon,ent) drept de abandon ri% t 'o# reco!r"e) drept de recuperare creante ri% t" drepturi ri, margine, ram

ri"* e0po"!re expunerea la risc ro$e rol ro$$over ,ort%a%e ipotecare rennoibil ro&a$t& redevent, plata pentru dreptul de folosinta a unei proprietati/inventii,etc. r!$e regul, norma r!$e" instructiuni, dispozitii, norme r!n a conduce (o companie), a derula (o afacere, etc.)
S

"a#e sigur (lipsit de risc) "a$ar& salariu (pltit lunar) "a$e vnzare "a$e point punct de vnzare/desfacere "a$e" pro,otion promovarea vnzrilor "a$e",an vnztor "a,e-da&-pa&,ent plata n aceeasi zi "a,p$in% sondaj (prin luare de mostre) "avin%" economii "avin%" acco!nt cont de economii "avin%" ban* banc de economii "c ed!$e program/a programa, orar, borderou "cope scop, intentie "corin% evaluarea solicitantului de credit prin punctaj "ea"oned "ec!ritie" titluri confirmate "econdar& ,ar*et piat de rangul doi, piat secundar "econdar& ,one& bani secundari "econdar& "ec!ritie" titluri de rangul doi "econd ,ort%a%e3c ar%e ipoteca de rangul 7

24

"ecrec& secret, pstrare secret "ection (organigram) compartiment, birou "ector sector "ector $oan mprumut sectorial "ec!re a asigura, a garanta "ec!red $oan mprumut garantat (cu garantii mobile sau imobile) "ec!ritie" titluri de valoare, valori mobiliare "ec!ritie" o!"e societate de valori mobiliare "ec!riti"ation creditare pe baza de titluri (intermediere bancar pentru operatorii de piat vizand acordare de credite prin utilizarea titlurilor de valoare) "ec!rit& garantie (pentru credit), titlu de valoare "e%,ent segment "ei9!re poprire, retinere "e$ection selectie, colectie (de unicate) "enior $oan mprumut privilegiat "enior ,ana%e,ent conducerea superioar "enior ,ana%er sef superior (de directie), director "eparate separat "eria$ bond obligatiune de serie "ervice serviciu, prestatie "et set "et !p a nfiinta, a constitui "ett$e a reglementa, a deconta "ett$e,ent decontare, reglementare, solutionare, rezolvare "evera$$& and /oint$& n mod solidar " are actiune (diviziune a capitalului social) " are capita$ capital subscris, capital n actiuni, aport de capital,

capital obtinut prin emisiune de actiuni " are capita$ "ec!ritie" titluri de capital subscris " are ri"* a mprti riscul " ared !nder"tandin% ntelegere reciproc " are o$der actionar " are o$der"2 e-!it& capital propriu net, fonduri proprii " eet fis " ip,ent transport (naval), expeditie, lot, ncrctur " ippin% transport (maritim), expeditie (de mrfuri) " op*eeper patron de magazin " o+-t&pe expozitional "i% t vedere, la vedere "i%n a semna/semn "i%nat!re semntur "i%nin% semnare "i%nin% part& parte semnatar "in%$e ad,ini"trative doc!,ent 'SAD) document administrativ unic "ite teren/loc (de constructii) size mrime, dimensiune/a dimensiona, a stabili mrimea/volumul "$ice felie, bucat "o#t $oan mprumut liberalizat (cu tax redus) "o$e part& parte unic "o$e trader comerciant/agent unic "o$icitor consilier juridic, jurist "o$venc& solvabilitate "ort code cod de sortare "o!nd sntos, sigur "o!rce surs "overei%n $oan mprumut garantat de stat "peci#& a specifica "peci,en specimen, mostr

25

"peed !p a accelera, a urgenta "pin-o## distribuire de actiuni ctre societatea mam "po*e spit "pon"or sponsor/a sponsoriza sponsorship sponsorizare "pot la vedere "pot conver"ion schimb la cursul zilei "pot ,ar*et piat la vedere, piat de schimb la cursul zilei "pot rate rat la cursul zilei "po!"e sot/sotie "pread marj, ecart "pread" eet desfsurtor "tabi$it& stabilitate "tab$e stabil "ta## personalul unei institutii, angajati "ta,p stampil, timbru/a stampila "tance pozitie, postur "tandard $oan credit performant/standard "tand t e ri"* a suporta riscul "tandb& $oan mprumut conditionat "tandb& !nder+ritin% garantare conditionat a emisiunii "tandin% reputatie "tandin% order ordin de plat permanent "tando!t evident "tart !p a demara, a porni, a ncepe "tart-!p demarare, ncepere/pornire (a unei activitti) "tate a mentiona, a specifica, a declara, a afirma "tate,ent declaratie, raport (financiar), situatie financiar, specificare, afirmatie "tate,ent o# acco!nt extras de cont

"tate,ent o# c an%e" ;n #inancia$ po"ition '(SA) situatia fluxurilor de numerar "tati"tic" statistic "tat!" situatie, pozitie (socio economic), stare materiala/financiara, etc. "tat!" en-!ir& cerere de bonitate (informatii privind situatia financiar) "tat!tor& statutar, legal, oficial "ter$in% co,,ercia$ paper efecte de comert exprimate n lir sterlin "tip!$ate a stipula, a specifica "toc* stoc, pachet de ac!iuni n valoare de 8 -//, capital investit, capitalul unei companii "toc* '(SA) actiune Stoc* E0c an%e bursa de valori "toc* ,ar*et piata valorilor mobiliare "toc*bro*er agent de burs "toc* o$der 'S(A) actionar "toc*" and " are" actiuni, valori mobiliare "tore depozit, stoc "trai% t#or+ard simplu, direct "trai% t bond obliga!iune ordinar "tri*e o## a adjudeca (licitatie) "tri*e rate rata maxim "tri*in% o## adjudecare (licitatie) "tri*in% price pret de exercitiu (al unei optiuni) "tr!ct!re structur "!b-branc agentie (a unei sucursale) "!b$oan mprumut secundar "!b,i""ion naintare/prezentare (cerere) "!b,it a nainta/prezenta/depune (o cerere, etc.) "!b"cribed capita$ capital subscris "!per"ede a inlocui (un text de lege)

26

"!b"idiar& filial (a unui grup), filial, sucursal "!b"idiar& $oan mprumut subsidiar "!b"tandard $oan credit sub standard/cu probleme "!pervi"or supraveghetor "!pp$ied 2ith dotat cu "!pp$ier furnizor "!pp$& a furniza, asigura/provizie, marf, furnizare "!pp$& and de,and cerere si ofert "!pport a sprijini/sprijin "!pport "ta## personal logistic/de sprijin "!ret& garant, girant "!rrender va$!e valoare la cesionare/transfer "+ap a cumpara/vinde pe piata la vedere in vederea unei cumparari/vanzari simultane pe piata la termen, tranzactie de cumparare/vanzare de valuta, simultan pe pietele la vedere si la termen "+eep operatiune rapida, schimb/transfer rapid "+eep acco!nt cont de transfer rapid "+i#t ,e""a%e mesaj s2ift "+in% a balansa, a modifica/balans, fluctuatie, modificare (schimbare) "+itc conversie, comutare (de valori, plasamente, etc.) "&ndicate a sindicaliza/sindicat, consortiu "&ndicated $oan mprumut sindicalizat/consortial "&ndication sindicalizare (formare consortiu, sindicat patronal, etc.) "&nt etic tran"action tranzactie sintetic "&"te, sistem

tai$ored to adaptat la, modelat pentru ta*e p$ace a avea loc ta*eover preluare tan%ib$e a""et" imobilizri corporale, patrimoniu tar%et ,ar*et piat operationala, piat obiectiv ta0 tax, impunere, impozit/a impozita, a pune impozit ta0ation impozitare, impunere ta0 credit credit fiscal (pentru acoperire impozite) ta0 e0e,pt scutit de impozit, neimpozabil ta0 aven paradis fiscal tec no"tr!ct!re tehnocratie, specialisti te$ep one ban*in% operatiuni bancare prin telefon tender ofert (de servicii, etc.), ofert (licitatii)/a nainta, a depune tender bond obligatiune de ofert, garantie pentru oferte (la licitatii), scrisoare de garantie pentru oferta la licitatie tenor continut oficial, (la cambii) termen de scadent ter, perioad, termen (clauz, conditie), termen (durat) ter, acco!nt cont la termen ter, bi$$ cambie tras la termen ter, $i#e po$ic& polit de asigurare de viat la termen $oan ter, mprumut la termen ter," o# de$iver& conditii de livrare, termeni de livrare t erein acolo, n acea ... t ird ,ort%a%e ipoteca de rangul 9 t ird part& tert

27

t oro!% $& complet, amanuntit tier nivel, strat tiered rate" rate stratificate ti,e-" arin% $ea"in% nchiriere simultan (de ctre mai multe entitti) ti,e-"$ice $oan mprumut pe etape ti,in% dat, termene, stabilire termene titt$e titlu too$ instrument, unealt top vrf, culme top-rated $oan mprumut de prim rang tota$ total to!ri", turism trade comert, ndeletnicire, profesie/a comercializa, a face comert trade $oan credit comercial trade protection protectie profesional trade !nion sindicat trader comerciant tradin% comercializare, tranzactie (burs) tranc e trans trainin% instruire tranc e (credite) transa tran"action tranzactie tran"#er transfer, virament/a transfera tran"$ation conversie (valutar) tran",i""ion transmisie tran",it a transmite tran"port transport tran"portation '(SA) transport trave$$er c e-!e cec de cltorii trea"!r& trezorerie, tezaur Trea"!r& 1i$$ bon/bilet de tezaur/trezorerie (pe termen scurt)

Trea"!r& 1ond bon/obligatiune de tezaur/trezorerie (pe termen mediu si lung) trend tendint, perspectiv tria$ prob, experimentare tria$ ba$ance balant de verificare/de prob tr!"t trust, ncredere, fiduciar, administrare (a unei averi apartinnd altei persoane fizice sau juridice) tr!"t acco!nt cont de gir, cont fiduciar tr!"t co,pan& societate fiduciar tr!"tee administrator fiduciar TT 'te$e%rap ic tran"#er) transfer telegrafic t!rnover cifr de afaceri, rat de rulare a stocurilor, fluctuatie de personal t&pe tip
(

!nder arran%e,ent prin aranjament !nder "eparate cover n anex !nder%o a parcurge !nder"tandin% ntelegere !nderta*e a se obliga/angaja s !nder+rite a acoperi riscul, a garanta (titluri de valoare emise) !nder+ritin% acoperire risc, administrare si garantare (titluri valoare) !ne,p$o&,ent somaj !neven inegal, inconstant !nincorporated neinregistrat/a !nit-$in*ed in"!rance po$ic& polit de asigurare cu prim investit (n fonduri de investitii) !nit tr!"t fond deschis de investitii (cu capital variabil), fond mutual !niver"a$ ban* banc universal

28

!niver"a$ ban*in% activitate bancar universal !n"ec!red $oan credit negarantat (fara garantii clasice* ex. cu giranti) !pdate a actualiza, a moderniza !pdatin% actualizare, modernizare !pon 'on) de,and la cerere/solicitare !pon in"tr!ction" pe baz de instructiuni !"er utilizator !ti$it& e0pence" cheltuieli utilitare (ap, lumin, gaze, etc.)
<

va$id valabil va$idit& valabilitate va$idit& period termen de valabilitate, perioad de valabilitate va$!e valoare/a valora, a evalua va$!e date data valutei (data valorii cursului valutar/ratei de schimb) vent!re capita$ capital de risc vent!rer (n actiuni de risc) ntreprinztor, partener vi9= adic vo"tro acco!nt cont vostro vo!c er bon valoric, mandat (de plat), act justificativ, chitant
>

+a%e" salariu (pltit sptmnal) +aiver 'o#) derogare/renuntare (la/de la) +are o!"e depozit (loc de depozitare) +arrant garantie, certificat de optiune, certificat de depozitare (negociabil) +arrant bond obligatiune garantat +a& cale, modalitate

+a&bi$$ scrisoare de trsur + ee$ roat + enever ori de cte ori + erea" n timp ce + ereb& prin care + i$e n timp ce, pe cnd + o$e $i#e po$ic& polit de asigurare permanent de viat + o$e"a$e en gros, angro + o$e"a$e ban* banc en gros (pentru clienti mari: companii, alte bnci, guvern, etc.) +in a cstiga (un concurs, o competitie, etc.) +inner cstigtor +it dra+ a retrage/ scoate (bani) +it dra+a$ retragere, scoatere (bani) +it in n cadrul, n limitele +ordin% formulare, redactare +or*#orce for de munc +or*in% capita$ capital circulant (de rulaj), fond de rulment +or*in% capita$ $oan mprumut pentru capital circulant/activitatile de productie +or*" op atelier +or$d+ide pe plan international, la nivel international +rit confirmare drept de creant +rite o## a prescrie, a anula (o datorie, etc.) +rite o!t a redacta (ntocmi), a elabora
Y

&ie$d rentabilitate, profit/a produce profit &ie$d c!rve curba rentabilittii

29

9ero co!pon bond '(SA) obligatiune de cupon zero 9ero co!pon $oan mprumut de cupon zero

30

DICTIONAR ROM@N-ENGLE? DE TERMENI SPECIFICI

A

abandon abandonment acce$era to speed up accept acceptance accepta to accept acceptant (al trgtorului) acceptor acceptare acceptance acceptat (recunoscut) recognised acci9A excise dut+/tax ac ita to pa+ do2n, to repa+ ac i9itie purchase, ac5uisition ac i9itie '$e%atA) bound purchase ac i9itie 'prod!"e con"!,) consumer purchase ac i9itiona to purchase, to ac5uire ac i9itionare 'de co,panii) ac5uisition, leveraged transaction aco$o ';n aceea3ace$a) therein acont advance, do2npa+ment acoperi '$a ter,en) to hedge acoperi 'ri"c!$) to under2rite acoperire '$a ter,en) hedging acoperire 'ri"c) under2riting acoperire 'va$!tarA $a ter,en #i0) for2ard cover acord 'de co,pen"are #$!ct!atii ratA) for2ard rate agreement acord 'de ;,pr!,!t) credit agreement, loan agreement acorda to a2ard, to grant acorda 'a!tori9atie4 $icentA) to license acorda 'con"!$tantA) to advise acorda 'credit4 ;,pr!,!t) to grant acordare credite 'per"oane /!ridice3"ocietati co,ercia$e) corporate lending acordare credite 'per"oane #i9ice) personal lending acreditiv letter of credit (;/1) acreditiv 'c! c$a!9A ro"ie) red clause credit acreditiv 'doc!,entar) documentar+ credit act '/!"titi#icativ) voucher,justif+ing document actiona to operate, (n calitate de) to act as actionar shareholder, ((')) stoc"holder acti!ne 'c! dividende prioritare) preference share, ((')) preferred stoc"

31

acti!ne 'divi9i!ne a capita$!$!i "ocia$) share, ((')) stoc" acti!ne '%rat!itA) bonus acti!ne pre#erentia$A 'privi$e%iatA) preference share, ((')) preferred stoc" acti!ni (ntr o companie) holding acti!ni 'ordinare) ordinar+ shares, e5uit+ shares, ((')) common stoc", active assets active 'circ!$ante) current assets active 'corpora$e) tangible assets active '#inanciare) financial assets active '#i0e) fixed assets active 'i,obi$iare) real assets active 'necorpora$e) intangible assets activitate activit+ activitate 'bancarA) ban"ing, ban"ing activit+ activitate 'co,ercia$A) business activitate bancarA (cu persoane juridice) corporate ban"ing activitate bancarA 'c! "ocietAti co,ercia$e) corporate ban"ing activitate bancarA ';n 9one de paradi" #i"ca$) offshore ban"ing activitate bancarA '!niver"a$A) universal ban"ing act!a$i9a to update act!a$i9are updating adapta to match, to fit n adaptat '$a) tailored to adecvarea capita$!$!i capital ade5uac+ adecvarea $ic iditAti$or li5uid ade5uac+ adecvare 'a capita$!$!i) capital ade5uac+ adecvat ade5uate, appropriate adecvat ';n ,od adecvat) ade5uatel+ adicA viz., i.e. (that is), namel+ ad/!deca '$icitatie) to adjudicate, to 2in, to stri"e off, to "noc" do2n* (contracts) to a2ard ad/!decare adjudication, 2inning, stri"ing off, (contracts) a2ard ad,ini"trare administration, management ad,ini"trare 'a averii "a! b!n!ri$or a$tor per"oane4 #i9ice "a! /!ridice) trust ad,ini"trare 'co"t!ri) cost administration ad,ini"trare 're9erve va$!tare) foreign exchange management ad,ini"trator administrator ad,ini"trator 'de p$a"a,ente) unit trust ad,ini"trator '#id!ciar) trustee ad,ini"tra to manage, to administer adopta (o lege etc.) to pass (a la2, etc.) ad!ce $a c!no"tintA to let somebod+ "no2, to inform

32

ad!na to collect ad!na 'capita$) to raise capital a#acere deal a#acere 'co,ercia$A) business a#acere 'treabA) affair a#ecta to affect, to have an impact on/upon a#ir,a to state a#$a to find out a%endA (de notite) diar+, ((')) appointment boo" a%ent bro"er, agent a%ent 'de a"i%!rAri) insurance bro"er a%ent 'de b!r"A) stoc"bro"er a%ent 'i,obi$iar) estate agent a%ent ';n re$atii$e c! c$ientii) ban" a%ent ' de b!r"A B inter,ediar per"oane #i9ice) jobber a%ent '!nic) sole trader, sole proprietor a%entie 'a !nei "!c!r"a$e) sub branch, agenc+ a%rico$ agricultural a/!ta to assist a/!tor assistance a/!tor '#inanciar4 ,ateria$4 etc=) aid a$ dv"= ',e"a/e) +ours, +r. a$e%e 'prin vot) to elect a$e%ere '"e$ectie) choice a$i,enta '!n cont) to credit an account a$i,enta 'c! #ond!ri) to pa+ in a,Cna to defer a,anetare pledge a,An!nt!$ 'c!) retail a,ba$a to pac" a,ba$are pac"ing a,biantA environment a,endA fine a,iabi$ ';n contracte4 acord!ri) amicable a,orti9are amortisation, depreciation a,orti9are 'datorii) debt service ana$i9A anal+sis ana$i9a credit!$!i credit anal+sis/revie2 ana$i9a to anal+se ana$i9e anal+ses ando"a to endorse ando"are endorsement

33

ando"are 'c! "peci#icare) 5ualified endorsement ando"are ';n a$b) blan" endorsement ane0a to enclose ane0A ';n) under separate cover, enclosed an%a/a 'credit) to disburse an%a/a 'o#eri o "$!/bA) to emplo+ an%a/a '"A) to underta"e, to commit to an%a/a,ent commitment an%a/are emplo+ment, 'an%a/a,ent) commitment an%a/are 'credit) disbursement an%a/at '"a$ariat) emplo+ee an%a/ator emplo+er an%a/ati staff, personnel an%ro 2holesale ante i,po9itare pre tax anterior previousl+, prior, previous antet letterhead, heading antreprenor entrepreneur, contractor an!itate annuit+ an!$a to cancel, to call off, 'datorie) to 2rite off an!$are (zdrnicire) defeat an!nta (notifica) to notif+, to give notice aparat machine aparitie '#or,are) emergence apartine to belong to ape$ call ape$are call ap$ica to appl+ ap$ica 'o $e%e4 otArCre4 etc=) to enforce ap$icare application ap$icare '$e%e4 otArCre4 etc=) enforcement ap$icatie application aport contribution aport 'de capita$) share capital, capital contribution aproba to approve aprovi9ionare 'provi9ie) provision apt geared aran/a,ent arrangement arbitra/ arbitrage arbitrare arbitration arierate overdue debts, arrears a"i%!ra 'c!) to provide (2ith)

34

a"i%!ra '%aranta) to secure, to ensure a"i%!rare 'a !n!i b!n) insurance a"i%!rare '#!rni9are) a$i,ente "i bA!t!ri catering a"i%!rare 'a!to) auto insurance a"i%!rare3acordare credite 'prin !ti$i9are tit$!ri de va$oare) securitisation a"i%!rare 'de ca!ti!ne) bond insurance a"i%!rare 'de credite) credit insurance a"i%!rare 'de viatA) life assurance, life insurance a"i%!rare 'an%a/are) #ortA de ,!nca emplo+ment a"i%!rare '%arantie de protectie) indemnit+ a"i%!rator insurer a"i%!rat!$ 'per"oanA #i9icA "a! /!ridicA a"i%!ratA) insured a"ociat partner a"tepta '"A) to expect to a"teptare '"perantA) expectation a"!,a to assume ate$ier 2or"shop atin%e '!n "cop) to achieve atit!dine attitude atra%ere 'de depo9ite) deposit ta"ing atra%ere 'de "!r"e) deposit ta"ing a!dit audit a!toritate 'p!tere) authorit+ a!tori9are authorit+, 'per,i"i!ne o#icia$A) clearance a!tori9atie licence, authorit+ avan" advance, advances, do2n pa+ment avan" 'pentr! ad,ini"trare) probate advance avanta/ advantage avanta/ ';n$e"nire) convenience avea 'di"ponibi$) to be put in funds avea ';n proprietate) to o2n avea $oc to ta"e place, to occur avere estate, 2ealth averti",ent notice, 2arning avi9 advice, notice avi9 'acord) approval, consent avi9a to advise avi9a 'a ad!ce $a c!no"tintA) to notif+, to give notice avi9a 'an!nta4 in#or,a) to give notice avi9are 'noti#icare) notification avocat la2+er

35

ba$an" s2ing ba$an"a to s2ing ba$an"are s2ing ba$antA 'co,ercia$A) balance of trade ba$antA 'de p$Ati) balance of pa+ments ba$antA 'de veri#icare) trial balance ba$antA '#inanciarA) balance banca 'prin internet) $ ban"ing, home ban"ing banca 'prin te$e#on) telephone ban"ing bancA ban" bancA 'avi9atoare) advising ban" bancA 'co$ectoare) collecting ban" bancA 'cond!cAtoare a "indica$i9arii) lead ban" bancA 'core"pondentA) correspondent ban", corresponding ban" bancA 'de accept) acceptance house/ban" bancA 'de c$earin%3co,pen"are) clearing ban"/house bancA 'de econo,ii) savings ban" bancA 'de inve"titii) merchant ban", investment ban" bancA 'e,itentA) issuing ban" bancA 'prin te$e#on) telephone ban"ing bancA 'ra,b!r"atorie) reimbursing ban" bancA '!niver"a$A) universal ban" bancA an%ro" 'pentr! c$ienti ,ariD a$te bAnci4 corporatii4 a%entii4 %!vern) 2holesale ban" bancA creditoare lending ban" bancA c! a,An!nt!$ 'pentr! per"oane-c$ienti ,ici) retail ban" bancA de accept accepting/acceptance house bancA %iro giroban" bancar ban"ing banc er ban"er bancnotA note, ban"note banco,at )0#, cash dispenser bancr!tA ban"ruptc+ bani 'pri,ari) primar+ mone+ bani '"ec!ndari) secondar+ mone+ bara 'cec!ri) to cross barare 'cec!ri) crossing barter barter, counter trade ba9a 'pe) to rel+ on/upon ba9A operationa$A 'de prod!ctie) operating core bene#iciar beneficiar+

36

bene#iciar 'de activ ;nc iriat) lessee bene#iciar '#ranci9A) franchisee bene#iciar 'pri,itor) a$ inve"titiei investee bene#iciar credit borro2er bi$ant 'contabi$) balance sheet bi$et 'de p$atA) bill, note bi$et 'de te9a!r B pe ter,en "c!rt) 0reasur+ %ill bi$et 'de va$oare4 e,i" de a!toritAti $oca$e) local authorith+ bill bi$et $a ordin promissor+ note biro! 'or%ani%ra,A) section, office bon bill bon 'de p$atA) voucher bon 'de te9a!r B pe ter,en ,edi! "a! $!n%) 0reasur+ %ond bon 'de va$oare4 e,i" de a!toritAti $oca$e) local authorith+ bond bon 'de va$oare4 ne%ociabi$) %ill bon de te9a!r 'pe ter,en "c!rt) 0reasur+ %ill bon de te9a!r 'pe ter,en ,edi! "a! $!n%) 0reasur+ %ond boni#icatie 'pri,a) bonus boni#icatie 'pentr! p$ata ;n n!,erar) cash discount bon va$oric voucher bordero! schedule, ((')) bordereau bro*eraj bro"erage bro"!rA brochure b!catA slice, portion, share b!%et budget b!%etare 'p$ani#icare b!%et) budgeting b!nA e0ec!tie good performance b!n!ri 'de #o$o"intA ;nde$!n%atA) durables b!n!ri 'i,obi$e) fixtures b!n!ri ',Ar#!ri) goods b!n!ri ',obi$e) chattels b!r"A 'de ,Ar#!ri) commodit+ mar"et/exchange b!r"A 'de va$ori) stoc" exchange
C

cabinet ';n or%ani%ra,A) general office ca$e 2a+ ca$itate 5ualit+ ca,bie bill of exchange ca,bie 'co,ercia$A) commercial bill ca,bie 'tra"A $a ter,en) term bill cana$i9a to channel

37

cantitate amount capacitate 'de co,ercia$i9are) mar"etabilit+ capacitate 'de ;nca"are3ra,b!r"are) collectibilit+ capita$ capital capita$ 'adecvat) capital ade5uac+ capita$ 'din credite) loan capital capita$ 'de ri"c) venture capital capita$ inve"tit stoc" capita$ 'propri!) shareholders< e5uit+/capital capita$ "ocia$ 'propri!) e5uit+ capital capita$ "ocia$ ';nre%i"trat) authorised capital capita$ "ocia$ '"!b"cri") subscribed capital capita$ circ!$ant '#ond de r!$,ent) 2or"ing capital capita$i9are capitalisation, compounding caracteri"ticA feature carierA 'pro#e"iona$A) career carte3card 'de credit) credit card carte3card 'de debit) debit card carte 'de te$e#on) director+ Cartea ,are =eneral ;edger ca"a cash, cash in hand ca"A 'de accept) accepting/acceptance house ca"A 'de co,pen"are) clearing house ca"A 'de e,i"i!ne) issuing house ca"A 'de #inantare) finance house ca"A 'de "cont) discount house ca"A 'de tit$!ri) securities house ca"ier cashier cate%orie categor+ ca!ti!ne bail ca!9A cause ca!9a to cause, to bring about cC"ti% 'prin ,!ncA) earning cC"ti%a 'a ;nvin%e) to 2in cC"ti%a 'prin ,!ncA) to earn cC"ti%Ator 2inner cec che5ue, ((')) chec" cec 'de cA$Atorii) traveller che5ue cec '$a ordin) order che5ue, ((')) order chec" cec '"cri" inco,p$et) inchoate che5ue cec 'barat) crossed che5ue cedent assignor

38

centr! centre centr! 'ba9A) core centr! operationa$ 'ba9A de prod!ctie) operating care cen9or auditor cercetare research cercetare 'piatA) mar"et research cere '"o$icita) to demand, to re5uire, to re5uest cere '!n drept $a) to claim cerere demand cerere 'de ra,b!r"are) call cerere 'nece"itate) re5uirement cerere '"cri"A) application cerere ';n "cri") demand in 2riting cerere '"o$icitare) re5uest cerere "i o#ertA suppl+ and demand cerintA re5uirement certi#icat certificate certi#icat 'de depo9it) certificate of deposit (14) certi#icat 'de depo9it ante i,po9itare) certificate of tax deposit certi#icat 'de ;n,atric!$are) certificate of incorporation certi#icat 'de opti!ne) 2arrant certi#icat 'de proprietate a"!pra capita$!$!i) capital bond ce"iona to assign, to transfer the rights of ce"ionar 'per"oana care ia in ce"i!ne) assignee ce"ionare assignment c e$t!ia$A 'c!rentA) expense c e$t!ie$i 'de re%ie3ad,ini"trative) overheads, ((')) overhead expenses c e$t!ie$i '%$oba$e) expenditure c e$t!ie$i '%o"podAre"ti) household expenses c e$t!ie$i '!ti$itare) utilit+ expenses c e$t!ie$i indirecte 'co"t!ri ad,ini"trative3de re%ie) overheads, ((')) overhead costs c irie rental c itantA receipt, voucher ci#rA figure, ((')) digit ci#rA de a#aceri turnover c$Adiri 're9identia$e) residential propert+ c$ar clear c$a!9A clause, 're"trictivA) covenant c$ient 'c!,pArAtor3potentia$) customer, 'bene#iciar a$ !nor "ervicii de "pecia$itate3de/a e0i"tent) client c$ient 'e0tern) external customer, client

39

c$ient ';n re$atia c! banca) principal c$ient 'intern) internal customer c$ient inve"titor private (ban"ing) customer/client c$ient 'per"oanA) personal/individual customer/client c$ient 'per"oanA #i9icA) personal/individual customer c$ient 'per"oanA /!ridicA) corporate customer/client, business/commercial customer cod 'de "ortare) sort code co$ecta to collect co$ectare ' Crtii va$oare) bu+ in co$ectare ';nca"are) collection co$ectie 'de !nicate) selection co,erciabi$ mar"etable co,ercia$ commercial co,ercia$i9a to deal in, to trade co,erciant trader, merchant, dealer co,erciant '!nic) sole trader, sole proprietor co,ert trade, trading, commerce co,ert 'a #ace) to trade co,ert ';n co,pen"atie) counter trade, barter co,i"ie committee co,i"ion commission, fee, charge co,i"ion 'de de"c idere) front commission co,itent principal co,itet board, committee co,itet de credite credit committee co,itet director managing committee, executive committee co,panie corporation, compan+ co,parti,ent 'or%ani%ra,A) section, office co,pen"a to clear, to compensate co,pen"are clearing, 'de"pA%!bire) indemnit+ co,pen"are 'tri!n% i!$arA) s2itch co,petent competent, relevant co,petenta 'a!tori9are3drept) authorit+, authorisation co,petentA 'pro#e"iona$A) expertise co,p$et 'deta$iat4 a,an!ntit) thorough co,p$eta '!n #or,!$ar4 etc=) to fill in, to complete co,p$i,ente ',e""a%e) best regards co,ponent item co,porta,ent behaviour co,portare ',enta$itate) attitude, behaviour co,!n ';,pre!nA) joint

40

co,!n 'obi"n!it) common co,!nicare communication concentra 'a"!pra) to focus on, to concentrate on/upon conc ide 'conc$!9iona) to conclude concret actual conc!ra to compete conc!rentA 'co,petitie) competition conditie 'c$a!9A) term conditii 'de $ivrare) deliver+ terms, terms of deliver+ cond!cAtor '"e#) manager cond!ce 'ad,ini"tra) to manage, to run cond!ce 'd!ce $a) to conduct to cond!cere 'ad,ini"trare) management cond!cere 'in#erioarA) junior management cond!cere ',edianA) middle management cond!cere '"!perioarA) senior management con#ir,a to ac"no2ledge, to confirm con#ir,are ac"no2ledgement, confirmation con#ir,are 'a!tori9are de a actiona) 2rit con#$ict de intere"e conflict of interests con#or, re#erintei dv"= ',e"a/e) under +r. ref. con#or,a c! to compl+ 2ith con#or,are compliance con#or,itate c! ';n) in pursuance of, in compliance 2ith, in accordance 2ith con#r!nta 'c!) to face cono"a,ent bill of lading, consignment note cono"a,ent 'aerian) air consignement note, air 2a+bill con"ecintA ';n) conse5uentl+, accordingl+ con"idera '$!a ;n con"iderare) consider con"idera '"ocoti ca) deem con"i$ier '/!ridic) solicitor, corporate la2+er, legal adviser con"i$i! board con"i$i! 'de ad,ini"tratie) board of directors con"i,tA,Cnt consent con"orti! consortium, s+ndicate, group, holding con"tit!i to constitute con"tit!i %arantie 'pentr!) to be a 2arrant for con"tr!ctie building con"!$tantA consultanc+, advice, advising, advisor+ con"!,ator consumer cont account cont 'a%enti a"i%!rAri) insurance bro"er account

41

cont 'co,!n) joint account cont corpora$ 'pentr! "ocietAti co,ercia$e) compan+ account, corporate account, business account cont 'c! dobCndA ,are) high interest account cont 'c! ;nc idere re"trictivA) restricted close account cont 'c!rent) current account, che5ue account cont 'de a#aceri) business account cont 'de bro*era/) bro"erage account cont 'de b!%et) budget account cont 'de capita$) capital account cont 'de credit re!ti$i9abi$) revolving credit account cont 'de credit) credit account cont 'de depo9it) deposit account cont 'de econo,ii) savings account cont 'de %arantie b$ocatA) ('()) escro2 account cont 'de %e"ti!ne a tre9oreriei) cash management account cont 'de %e"ti!ne n!,erar) cash management account cont 'de %ir) trust account cont 'de p$a"a,ente) investment account cont 'de"c i") open count cont 'de"coperit) overdraft cont 'de tran"#er rapid) s2eep account cont 'de va$!tA) currenc+ account, foreign exchange account cont '#id!ciar) trust account cont '$a ter,en) term account cont '$a vedere) sight account cont 'no"tro) nostro account cont 'pentr! a%enti i,obi$iari) estate agents account cont 'pentr! acreditiv re!ti$i9abi$) revolving credit account cont 'per"ona$) personal account cont 'pro#e"iona$) office account cont 'vo"tro) vostro account conta 'pe) to rel+ on contabi$ accountant, boo" "eeper contabi$ "e# chief accountant contabi$itate accounting, accounts, boo" "eeping, accountanc+ contabi$itate ',ana%eria$A3de %e"ti!ne) management accounting contin!t 'o#icia$) tenor contra co"t against pa+ment contracara to counteract contract 'c! opti!ne $a ter,en) option for2ard contract contract 'de ac i9itie) purchase contract

42

contract 'de a"ociere3"ocietate) #emorandum of )ssociation, ((')) 1ertificate of >ncorporation contract 'de c!,parare) purchase contract contract 'de ;,pr!,!t) loan contract, loan agreement, lending agreement contract 'de opti!ni) option contract contract 'de opti!ni va$!tare) brea" for2ard contract contract 'de rA"c!,pArare tit$!ri de va$oare) repurchase agreement contract 'de "ocietate) #emorandum of )ssociation, ((')) 1ertificate of >ncorporation contract 'de van9are) sale contract contract '#or#etar) fixed contract contract '$a ter,en c! opti!ne de interva$) option for2ard contract contract '$a ter,en #i0) for2ard contract contract '$a vedere) spot contract contract 'pe ba9A de in"tr!,ente $a ter,en) futures contract contract 'va$!tar $a ter,en #i0) for2ard foreign exchange contract contractant 'antreprenor) contractor contrapartidA counter trade contra p$atA against pa+ment contro$ control cont!$ de pro#it "i pierderi profit and loss account, ((')) income statement cont!ri 'creante)3debitori debtors, ((')) accounts receivable cont!ri 'datorii)3creditori creditors, ((')) accounts pa+able conveni to convene, to agree conventie 'acord) agreement, 're"trictivA) covenant conventie 'de credit pentr! vCn9are3c!,pArare) credit sale agreement cooperatva 'de credit) finance house conver"ie 'ne%are) conversion conver"ie 'de rate dobCndA) s2ap conver"ie 'va$!tarA) translation convin%e to persuade copie duplicate, 'e0e,p$ar) cop+ core"pondent correspondent core"p!n9Ator ade5uate, appropriate, proper core"p!n9Ator ';n ,od core"p!n9Ator) appropriatel+, ade5uatel+, properl+ coridor!$ 'ratei dobCn9ii) interest rate collars corpora$ '#i9ic) corporate corporatie corporation co"t cost co"t ',ar%ina$) marginal cost co"t 'tota$) all in cost, total cost

43

co"t!ri indirecte 'c e$t!ie$i de re%ie3ad,ini"trative) overheads, ((')) overhead costs cotA 'b!r"A) 5uote cota '$a b!r"A) to 5uote cotare '$a b!r"A) 5uotation cotare 'pret) 5uotation creantA receivable, claim, debt creator de piatA mar"et ma"er credit credit, loan credit 'acceptat) acceptance credit credit 'co,ercia$) trade loan credit 'c! pierderi) loss loan credit 'c! ra,b!r"are i,ediatA3rapida) call loan credit 'de ava$) bac" credit credit 'de con"!,) consumer credit credit 'de "pri/in) bac" to bac" credit credit 'd!bio") doubtful loan credit '#inantare co,ert) acceptance credit credit '#!nciar) land credit credit ';n der!$are) outstanding/current loan credit 'indoie$nic) doubtful loan credit 'in ob"ervatie) 2atch loan credit ';n rate) instalment credit credit ne%arantat (fara garantii clasice) unsecured loan credit 'neper#or,ant) problem/non performing credit/loan credit 'pe ba9A de doc!,ente) bill finance credit 'per#or,ant) standard loan, performing loan credit 'p!nte) bridging loan credit 're"tant) overdue/delin5uent loan credit 're!ti$i9abi$) revolving credit credit #i"ca$ 'pentr! acoperire i,po9ite ) tax credit credit ipotecar mortgage, mortgage finance credit ipotecar 'c! p$ata pri,a a"i%!rare "i dobanda banca) endo2ment mortgage credit indoie$nic 'd!bio") doubtful loan credit re;nnoibi$ '$inie de credit) revolving credit, line of credit credit "tandard 'per#or,ant) standard loan credit "!b"tandard substandard loan creditare lending, loan granting, crediting creditare 'pe ba9a de tit$!ri de va$oare) securitisation creditare 'per"oane #i9ice) personal lending creditare 'per"oane /!ridice) corporate lending

44

creditor lender, creditor creditor a,anet pledgor creditor %a/i"t lienor, lien holder/collector creditori 'cont!ri datorii) creditors, ((')) accounts pa+able cre"te '"pori) to increase cre"tere gro2th c! conditia ca provided, on the condition that c!$t!rA culture c!,pAra to purchase, to bu+ c!,para3vinde '"i,!$tan4 pe piata $a vedere "i cea $a ter,en) s2ap c!,pArare purchase c!,pArare ';n rate) hire purchase, instalment purchase c!,pArare 'prin po"tA) postal order purchase, mail order purchase c!,pArare 'prod!"e con"!,) consumer purchase c!,pArare 'de tit$!ri prin inter,edi!$ bro*er i$or) bu+ in c!,parare3vindere '"i,!$tan4 pe piata $a vedere "i cea $a ter,en) s2ap c!,!$a to accrue c!no"tinte 'date) "no2ledge c!no"tinte 're$atii) connections c!prinde to comprise, to include, to incur c!rba rentabi$itAtii +ield curve c!r" 'de "c i,b va$!tar) exchange rate, rate of exchange c!r" '$a vedere) spot c!"tode custodian c!"todie custod+, '%arantie3%a/) charge c!venit due cva"i,oneda near mone+
D

da 'credit) to lend. to grant a loan da 'c! ;,pr!,!t) to lend data 'e0pirArii) expir+ date data '"cadentei) due date, maturit+ date data 'va$!tei3c!r"!$!i va$!tar) value date datA 'ti,p) date, timing datA3e 'de re#erintA) datum/data datora to o2e datorat3A 'c!iva) due to, o2ed to datorie debt datorie 'creanta) receivable datorie '"arcinA) dut+ datorie de bi$ant 'contabi$A ) boo" debt

45

datoritA due to datornic debtor da!nA3e damage de !$ti,A in"tantA of last resort debit debit debita to debit debitare directA direct debit debitor debitor debitor a,anet pledgee debitor %a/i"t lienee debitori 'cont!ri creante) debtors, ((')) accounts receivable deci9ie '$!ata intr-!n #or de cond!cere) resolution dec$ara to state, to declare dec$aratie statement dec$in '"cAdere) decline deconta to settle decontare settlement dec!r%e 'din) to result (from) ded!ce 'din) to deduct (from) ded!ctibi$ deductible de#ect malfunction de#$atie deflation de#$ationar deflationar+ de,arare 'a !nei activitAti) start up departa,ent department departa,ent 'de co,pen"are) general in clearing dependent reliant deponent depositor depo9it deposit, store depo9it 'de ape$) call deposit depo9it '$oc de depo9itare) 2arehouse depreciere depreciation, 'cava$!are) devaluation dep!ne 'cerere4 doc!,ent) to submit, to for2ard, to tender, to lodge dep!ne '$a) to lodge 2ith, to submit to dep!nere deposit dere%$e,entare deregulation dero%are '$a3de $a) 2aiver (of) der!$a 'contract4 tran9actie4 etc=) to carr+ on de"coperi to find out de"coperire de cont overdraft de"#A"!ra 'o activitate) to carr+ on de"#A"!rAtor spreadsheet

46

de"#iinta to do a2a+ 2ith de"pA%!bire damages, indemnit+ de"tinatie 'credit) purpose deta$i! detail, particular deter,ina to determine, to induce deter,ina 'ca!9a) to bring about detinAtor holder detinAtor 'de cont) account holder detinAtor 'po$itA de a"i%!rare) polic+holder detine to hold detinere 'de acEi!ni) holding devi9 estimate devi9e 'convertibi$e) foreign exchange, forex de9vo$tare development di#erentA differential, difference di,en"iona to size di,en"i!ne size di,in!a to decrease direct outright direct 'c! ;ntre% pret!$ ;n va$!tA) outright directie ';n or%ani%ra,A) division, directorate, department directiona to direct, to channel director %enera$ managing director, ((')) chief executive officer diri/a to conduct di"#!ncti!ne malfunction di"ponibi$ available di"ponibi$itate availabilit+ di"ponibi$itAti 'bAne"ti) cash, funds di"ponibi$i9are 'in"trainare) disposal di"po9itie '/!r=) regulation, rule di"trib!i to distribute di"trib!ire distribution di"trib!ire de acti!ni 'cAtre "ocietatea ,a,A) spin off di"trib!itor distributor di"trib!tie distribution div!$%a to disclose div!$%are disclosure dobCndA interest dobCndi to ac5uire doc!,ent document, paper2or" doc!,ent ad,ini"trativ !nic single administrative document (')4) doc!,ente 'ne%ociabi$e) negotiable documents

47

do,eni! area do,eni! bancar ban"ing do"ar de credit lending/loan/credit file dotat 'c!) supplied 2ith, e5uipped 2ith dovada evidence dovedi to prove drept 'de abandon) right of abandonment drept 'pretentie) claim drept de rec!perare creante right of recourse drept ina$ienabi$ 'a"!pra proprietAtii) freehold drept!ri rights
E

ecart spread ec ipa,ente e5uipment ec ipa,ente '!9inA) plant econo,ie ,i0tA mixed econom+ econo,ii savings econo,ii '$a "carA) economies of scale e#ect 'de pCr% ie) gearing, ((')) leverage e#ect 'peric!$o"3ri"cant) exposure e#ecte de co,ert commercial paper, commercial bills e#ecte de co,ert 'deno,inate in $irA "ter$inA) sterling commercial paper e#ecte p!b$ice government bonds e#ectiv effective, actual e#ect!a to perform, to carr+ out e#ect!a 'p$Ati) to pa+ out, to ma"e pa+ments e#ect!are performance e#icient effective, efficient e#icientA effectiveness, efficienc+ e%a$itate par e$e,ent item e$ibera 'credit) to disburse e$iberare 'credit) disbursement e$i%ibi$ due, eligible e$i,ina to do a2a+ 2ith, to remove e$i,inare 're"trictii) deregulation e,i"i!ne issue e,i"i!ne 'de acti!ni %rat!ite) bonus issue e,i"i!ne 'de ,onedA) currenc+/mone+ issue e,ite to issue e,itent issuer

48

e,itere issuance en %ro" 2holesale entitate entit+ e"ec failure e!robi$et '$a ordin) euronote e!rodevi9e eurocurrenc+ e!ro,onedA eurocurrenc+ e!roob$i%ati!ne eurobond e!roob$i%ati!ni 'c! dobCndA a/!"tabi$A) floating rate notes e!ropiatA euromar"et eva$!a to assess, to evaluate, to value, to appraise eva$!are 'apreciere) assessment eva$!are acordare credit 'prin p!ncta/) scoring eveni,ent event evident obvious, standout, clear e0cedent excess, surplus e0ec!ta to execute e0ec!tant #actori9are factor e0ec!tor executor e0ec!tor 'te"ta,entar) executor of 2ills e0e,p$ar 'copie) cop+ e0pedia ',ar#A) to dispatch e0pedia 'o p$atA) to remit e0pediere dispatch e0peditie 'de ,Ar#!ri) shipping expeditie 'tran"port nava$) shipment e0pert expert e0pert contabi$ auditor e0pira to expire e0pirare expir+ e0p$ica '/!"ti#ica) to account for e0po9itiona$ sho2 t+pe e0p!nere exposure e0p!nerea '$a ri"c) ris" exposure e0tinde to extend, to expand e0trabi$antier off balance sheet e0trab!r"ier 'necotat) over the counter e0tra" 'de cont) statement of account
F

#abricare manufacturing #ace #atA to cope 2ith

49

#ace o cerere 'pentr!) to appl+ for #ace obiect!$ to be subject to #ace parte 'apartine) to belong to, to be part of #ace rec$a,A to advertise #aci$ita to facilitate #actor factor #actor 'rea$i9ator!$ #actori9Arii) factor #actori9are factoring #act!ra to invoice #act!rA invoice #act!rA 'nota de p$atA) bill #act!rA 'p$Ati ca"nice) household bill #act!rare billing #a$i,ent ban"ruptc+ #a$"i#ica to forge #a$"i#icare forger+ #e$ie slice #e9abi$ feasible #i ;n co,petitie to compete #i ;n dec$in '"cAdere) to decline #i repre9entat to be represented #i "cadent '#i $a "cadentA) to be due #i va$abi$ to be valid #id!ciar3A trust #i$ia$A branch, subsidiar+ #i$ia$A 'a !nei co,panii) branch #i$ia$A 'a !n!i %r!p3 o$din%) subsidiar+ #ina$i9a to complet #inanciar financial #inanta to finance, to fund #inantare finance, financing, funding #inantare 'con"tr!ctii $oc!inte) house financing #inantare 'pe ba9A de doc!,ente) bill financing #inantare 'pentr! c!,pArare de acti!ni) e5uit+ finance #inante finance #i"A coin #i"ca$ fiscal #i"A sheet #$otant 'variabi$) floating #$!ct!are fluctuation, s2ing #$!0!$ n!,erar!$!i cash flo2 #oaie i,pri,atA printout

50

#ond 'de pen"ii) pension fund #ond 'de r!$,ent) 2or"ing capital #ond de"c i" de inve"tiEii 'c! capita$ variabi$) unit trust, ((')) mutual fund #ond ;nc i" de inve"titii 'c! capita$ #i0) investment trust #ond!ri 'bani) funds, finance #ond!ri 'p$a"ate ;n 9one c! "c!tiri de i,po9ite3 paradi" #i"ca$) offshore funds #or#eta to forfait #or#etare forfaiting #or#etor forfaiter #or,A form #or,!$ar form #or,!$are 'e0pri,are) 2ording #ortA 'de ,!ncA) 2or"force, manpo2er #ranci9A franchise #ranci9are franchising #ra!dA fraud #!nctie function #!nctie ';n or%ani%ra,A) position #!nctiona to operate, to function, to 2or" #!nctionar cler" #!nctionare operation #!nctionari '#!nctionAri,e) clerical people #!rni9a to provide, to suppl+ #!rni9are suppl+ #!rni9or supplier #!9ionare merger
G

%a/ lien %a/ 'c! depo"edare) pa2n %a/a '$!a "a! dep!ne ca %arantie) to charge %a/are '$!are "a! dep!nere ca %arantie) charge %a,A range %arant bailee, guarantor, suret+ %aranta to guarantee %aranta 'p$atA ca,bie) to avalise %aranta 'tit$!ri de va$oare e,i"e) to under2rite %arantare bailment, garantee garantare (emisiuni) under2riting %arantare conditionatA 'e,i"i!ni) standb+ under2riting %arantat bailor, guaranteed %arantie guarantee, 2arrant, bail

51

%arantie 'contin!A) continuous guarantee %arantie 'de e0ec!tie) performance bond %arantie 'pentr! credit) securit+, collateral %arantie 'pentr! participare $a $icitatii) tender bond, bid bond %arantie 'p$atA ca,bie) aval % id director+ % i"e! counter, outlet, des" %ir 'c! tit$! de credit) endorsement %irant '$a credite) guarantor, endorser, suret+ %irat guaranted, endorsee %o"podArie household %rad degree %ra#ic 'de ra,b!r"are) repa+ment schedule %r!p group, holding %r!p 'de #ir,e) consortium, group
H

Crtii de va$oare securities

I

identi#ica ',e"a/e) to appl+ identi#icare identification identitate identit+ ie"ire 'c e$t!ire) outflo2 ie"ire 'e0pediere) output ie"ire 'n!,erar) cash outflo2 i,obi$i9Ari fixed assets i,obi$i9Ari corpora$e tangible assets i,obi$i9Ari necorpora$e intangible assets i,po"tor imposter i,po9it 'i,p!nere) tax i,po9it 'indirect)3acci9a excise dut+/tax i,po9it pe pro#it '"ocietAti co,ercia$e) corporation tax i,po9ita 'a i,p!ne) to tax i,po9itare 'i,p!nere) taxation i,p!nere tax, taxation incapacitate de p$atA3ra,b!r"are default inca""o 'doc!,entar) documentar+ collection inca""o '"i,p$!) clean collection inc$!de to include, to incur incon"tant uneven

52

inde,ni9atie allo2ance, fee indicator indicator indice 'Financia$ Ti,e") a$ acti!ni$or ce$or ,ai i,portante 677 co,panii din Marea 1ritanie footsie, .0'$ -// >ndex indici! clue individ individual ind!"trie ,an!#act!rierA manufacturing ine%a$ uneven in#$atie inflation in#$!enta to influence, to persuade in#$!entare 'convin%ere) persuation in#or,are 'con"tienta) a2areness in#or,at 'de"pre) a2are of in"o$vabi$itate insolvenc+ in"tantA /!decAtorea"cA court of la2 in"tantane! instant in"tit!tie organisation, institution in"tr!cti!ni 're%!$i3nor,e) rules in"tr!ire ';nvAtA,Cnt) training in"tr!,ent tool in"tr!,ent 'de p$atA) pa+ment instrument in"tr!,ent 'derivat) derivative in"tr!,ent '#inanciar) financial instrument in"tr!,ente #inanciare derivate '$a ter,en) derivatives in"tr!,ente '$a ter,en) (financial) futures intere" interest inter,ediar intermediar+ intern ';ntr-o co,panie) internal, 'nationa$) domestic intra ';n vi%oare) to be put into effect, to be enforced intrare 'in#$!0) inflo2 intrare 'n!,erar) cash inflo2 intrare 'receptie) input intrAri '#ond!ri) accruals inve"titie ';n do,eni!$ econo,ic) investment, capital expenditure inve"titii '#inanciare) financial assets, capital investment inve"titii 'i,obi$iare) real assets inve"titor investot invitatie 'c!,pArare acti!ni) prospectus ipoteca 'de ran%!$ 6) first mortgage ipoteca 'de ran%!$ F) second mortgage ipoteca 'de ran%!$ G) third mortgage ipotecare mortgage

53

ipotecare 'dobCnditA) endo2ment mortgage ipotecare 'ec itabi$A) e5uitable mortgage ipotecare '$e%a$A) legal mortgage ipotecare '$iniarA) linear mortgage ipotecare 'pentr! p$atA pri,A a"i%!rare de viatA) endo2ment mortgage ipotecare 'periodicA) annuit+ mortgage ipotecare 're;nnoibi$A) rollover mortgage ipotecat 'per"oanA) mortgagee ipotecator 'per"oanA) mortgagor
H

;,b!nAtAti to enhance ;,b!nAtAtire enhancement ;,b!nAtAtire ',oderni9are) improvement i,pArti 'ri"c!$) to share ris" i,pre!nA "i c! totii jointl+ and severall+ ;,pr!,!t loan, credit ;,pr!,!t 'ba$on) balloon loan ;,pr!,!t 'co#inantat) coloan ;,pr!,!t 'conditionat) standb+ loan ;,pr!,!t 'con"ortia$) s+ndicated loan ;,pr!,!t 'c! an%a/are rapidA) 5uic" disbursing loan ;,pr!,!t 'c!pon 9ero) zero coupon loan ;,pr!,!t 'c! ra,b!r"are anticipatA) prematured loan i,pr!,!t 'c! ra,b!r"are rapida) call loan ;,pr!,!t 'c! "cadentA preci"A) bond ;,pr!,!t 'de activitate) participation loan ;,pr!,!t 'de ca$itate) 5ualit+ loan ;,pr!,!t 'de #o$o"ire ;n co,!n) pooled loan ;,pr!,!t 'de $a 9i $a 9i) call loan ;,pr!,!t 'de pri, ran%) top rated loan ;,pr!,!t '%arantat c! active) debenture ;,pr!,!t '%arantat c! b!n!ri$e c!,pArate) produce loan ;,pr!,!t '%arantat de "tat) sovereign loan ;,pr!,!t '%arantat) secured loan ;,pr!,!t '%i%ant) jumbo loan ;,pr!,!t '%$oba$4 pentr! contro$ pret!ri) pac"age loan ;,pr!,!t '%o"podare"c) home loan ;,pr!,!t ';n ca"cadA) apex loan ;,pr!,!t ';n conditii de piatA) hard loan ;,pr!,!t ';n di#ic!$tate) distressed loan ;,pr!,!t ';n re9ervA) pipeline loan

54

;,pr!,!t ';n "!#erintA) assented bond ;,pr!,!t ';n va$!tA "trAinA) foreign loan ;,pr!,!t 'inde0at) indexed (pegging) loan ;,pr!,!t '$a ter,en) term loan ;,pr!,!t 'nea,orti9at) outstanding loan ;,pr!,!t 'neper#or,ant) non performing loan, problem loan i,pr!,!t 'neprod!ctiv) non accruing loan, non performing loan ;,pr!,!t 'participativ) e5uit+ loan ;,pr!,!t 'pe etape) time slice loan ;,pr!,!t 'pentr! acoperire co"t!ri) overage loan ;,pr!,!t 'pentr! capita$ circ!$ant) 2or"ing capital loan ;,pr!,!t 'pentr! ca9 de perico$) jeopard+ loan ;,pr!,!t 'pentr! #ond!$ de r!$,ent) 2or"ing capital loan ;,pr!,!t 'pentr! recon"tr!ctie) emergenc+ re construction loan ;,pr!,!t 'pentr! redre"are econo,icA) economic recover+ loan ;,pr!,!t 'privi$e%iat) senior loan ;,pr!,!t 'pro%ra,) (?%) program loan ;,pr!,!t 'proiecte) project loan ;,pr!,!t 'p!nct!a$) carr+over loan ;,pr!,!t 're!ti$i9abi$) revolving credit ;,pr!,!t '"ectoria$) sector loan ;,pr!,!t '"ec!ndar) subloan ;,pr!,!t '"indica$i9at) s+ndicated loan ;,pr!,!t '"!b"idiar) subsidiar+ loan ;,pr!,!t corpora$ 'pentr! a#aceri) business loan ;,pr!,!t $ibera$i9at 'c! ta0A red!"A) soft loan ;,pr!,!ta 'da c! ;,pr!,!t) to lend ;,pr!,!ta '$!a c! ;,pr!,!t) to borro2 ;,pr!,!tare 'creditare) lending ;,pr!,!tat 'entitate) borro2er ;,pr!,!tati 'a%enti econo,ici) corporate borro2ers ;,pr!,!tAtor 'entitate) lender, creditor ;,pr!,!t!ri 'capita$) loan capital ;n aceea3ace$a therein in a#ara bi$ant!$!i off balance sheet ;n arendA leasehold ;n atentia ',e"a/e) )00@., )ttention of in bi$ant on balance sheet ;n cadr!$ 2ithin ;n con#or,itate c! compliant to, in compliance 2ith ;n contin!are ';n contracte) hereinafter ;n #avoarea in favour of

55

;n #!nctie de in respect of in ,od "o$idar severall+ and jointl+ ;n n!,e$e on behalf of ;n raport c! in terms of ;n rA"p!nderea in charge of ;n ter,en de 2ithin ;n ti,p ce 2hile, 2hereas ;n ti,p rea$ '"i,!$tan) in real time ;n ti,p !ti$ in due time ;n tota$ altogether ;n tota$itate "i ;,pre!nA severall+ and jointl+ ;nainta 'o cerere) to submit, to for2ard ;nainta 'tri,ite) to for2ard, to submit, to tender ;naintare 'cerere) submission ;nca"a 'co$ecta) to collect ;nca"a 'bani) to cash, to encash ;nca"abi$ receivable ;nca"are receipt, collection nclca (lege, promisiune) to breach ;ncA$care 'c$a!9A de ;ncredere) breach of trust ;ncA$care '$e%e4 pro,i"i!ne) breach ;ncArcAt!rA load ;ncArcAt!rA 'nava$A) shipment ;ncepere 'a !nei activitAti) start up ;nceta 'a "e opri) to cease ;ncetare 'activitate) brea" up ;nc eia 'contract4 conventie4 etc=) to conclude ;nc eiere 'contract4 conventie4 etc=) conclusion ;nc iria 'pe ter,en $!n%) to lease ;nc iriat3A leasehold ;nc iriere '#inanciarA) financial lease, financial leasing ;nc iriere 'no,ina$A) peppercorn rent ;nc iriere 'pe ter,en $!n%) lease, leasing ;nc iriere '"i,!$tanA) time sharing leasing ;nc iriere operationa$A 'de e0p$oatare) operating lease, operating leasing ;ncredere trust ;nc!ra/a to bolster ;ndatorare indebtness ;ndatorire 'ob$i%atie) obligation ;nde$etnicire trade ;ndepArta to remove ;ndep$ini to carr+ out

56

;ndreptAtit '"A) entitled (to) ;n#iinta to set up, to establish ;n#iintare 'con"tit!ire) establishment, setting up ;n%ri/orare concern ;n$e"nire convenience ;n,Cna to pass ;n,atric!$are 're%i"tr!) incorporation ;nre%i"tra to register, to record, to entr+, to post ;nre%i"trare entr+, record, registration, posting ;n"Arcinare mandate ;n"tiintare 'con"tienta) a2areness ;n"tiintat 'de"pre) a2are of ;ntC,p$a to occur ;ntCr9ia to dela+, to defer ;ntCr9iere dela+ ;ntreprin9Ator entreprene!r ';n acti!ni de ri"c) venturer ;ntretine to maintain ;ntretinere maintenance ;nte$e%ere understanding ;nte$e%ere 'reciprocA) shared understanding
8

/!ri"t la2+er, solicitor /!rna$ diar+, journal

L

$a cerere '"o$icitare) upon/on demand $a % i"e! over the counter $a nive$ internationa$ 'pe p$an internationa$) 2orld2ide $a "a! d!pA "cadentA n due course $a ter,en #i0 'contracte) for2ard $a va$oarea no,ina$A at par $a vedere at sight $actate 'prod!"e) dair+ $e%a$ legal, statutor+ $e%a$i9a to legalise $e%At!rA 're$atie) relationship $e%e la2, ((A) )ct $e%i"$atie legislation $ibera$i9are 'de"#iintare re"trictii) deregulation $icentA licence

57

$ic idator li5uidator $ic iditate bancarA ban"ing li5uidit+ $ic iditate ;n active li5uid assets $ic iditate li5uidit+ $icitatie auction, bidding $i,ite range $inia ',edianA) middle line $inie de credit credit line, line of credit $i"tare printout $ivra to deliver, to dispatch $ivrare deliver+, dispatch $oc 'teren de con"tr!ctii) site $oc 'teren) land, ground, estate $oca$ local $ot 'tran"port nava$) shipment $!a 'p$ata) to charge $!area deci9ii$or decision ma"ing
M

,a/ora to increase ,a/orare increase ,andat mandate ,andat 'de p$atA) mone+ order, voucher ,andat 'proc!rA) po2er of attorne+ ,anip!$a to handle ,anip!$are (operatiuni manuale) handling ,ar#A commodit+, merchandise, goods ,ar%ina$ marginal ,a"a ,onetara mone+ suppl+ ,Ari,e size ,ar/A margin, spread ,ar*etin% mar"eting ,ar*etin% 'bancar) ban"ing mar"eting ,Ar#!ri goods ,edi! ';ncon/!rAtor) environment ,enta$itate attitude, mentalit+ ,entine to maintain ,entiona to refer (to) ,entiona '"peci#ica) to state ,e"a/ message ,e"a/ '"+i#t) s2ift message ,etodA method

58

,etodo$o%ie methodolog+ ,ie9 core ,inor minor ,in!" active less assets ,i0 de ,ar*etin% mar"eting mix ,i0 de piatA mar"et mix ,obi$ 'variabi$) floating ,oda$itate 2a+ ,ode$ pattern ,oderni9a to update ,oderni9are updating ,oderni9Ari ';,b!nAtAtiri) improvements ,odi#ica to change, to s2ing ,odi#icare '"c i,bare) s2ing, change ,o,ent instance, moment ,onedA currenc+, coin ,onedA '#orte) hard currenc+ ,onedA '"trAinA) foreign currenc+ ,onetar monetar+ ,onitor!$ o#icia$ (@ational) =azette, (&fficial) =azette ,onopo$ monopol+ ,o"trA '"peci,en) specimen ,otiv 'ca!9A) reason
N

navA 'de ,Ar#!ri) cargo ship nav$! freight neac itare default nece"ita to re5uire nece"itate need, re5uirement necotat (n afara bursei) over the counter ne%ociabi$ negotiable, mar"etable ne%ociabi$itate mar"etabilit+ ne%!"tor merchant, dealer nei,po9abi$ tax exempt neonorare dishonour neplat default nereparti9at 'contab=) retained nere9o$vat outstanding ne!tra$i9a 'contracara) to counteract nevoie need nive$ level, tier

59

nive$a to level nor,A rule, regulation notA 'de p$atA) bill noti#ica to give notice, to notif+ n! p$Ati 'onora) to dishonour n!$ "i neavenit null and void n!,erar cash
O

obiect 'de activitate) objects obiect '$!cr!) item obiectiv '"cop) goal, objective ob$i%a "A to underta"e ob$i%atie ';ndatorire) obligation ob$i%ati!ne bond ob$i%ati!ne 'acceptatA) assented bond ob$i%ati!ne 'acoperitA prin ipotecare) mortgage bond ob$i%ati!ne 'convertibi$A) convertible bond ob$i%ati!ne 'c! pri,A) premium savings bond ob$i%ati!ne 'c! prioadA #i0A de va$abi$itate) income bond ob$i%ati!ne 'c! va$oare variabi$A) floating rate bond ob$i%ati!ne 'c!pon) coupon bond ob$i%ati!ne 'c!pon 9ero) ((')) zero coupon bond ob$i%ati!ne 'de capita$) capital bond ob$i%ati!ne 'de ie"ire) exit bond ob$i%ati!ne 'de o#ertA) bid bond, tender bond ob$i%ati!ne 'de pri,A e,i"i!ne c! rabat) original issue discount bond ob$i%ati!ne 'de pri,A e,i"i!ne c! rabat ridicat) deep discount bond ob$i%ati!ne 'de pri,A e,i"i!ne) discount bond ob$i%ati!ne 'de pri,A opti!ne) first option bond ob$i%ati!ne 'de "ocietate) corporate bond ob$i%ati!ne 'de "tat) government bond ob$i%ati!ne 'e,i"A de a!toritAti $oca$e) local authorit+ bond ob$i%ati!ne 'e,i"A ;n "trAinAtate) foreign bond ob$i%ati!ne 'e,i"A ;n "!b"criptie p!b$icA) publicl+ issued bond ob$i%ati!ne '%arantatA) 2arrant bond ob$i%ati!ne 'inde0atA) indexed bond ob$i%ati!ne ';n circ!$atie) outstanding bond ob$i%ati!ne '$a p!rtAtor) bearer bond ob$i%ati!ne 'nea,orti9abi$A) non callable bond ob$i%ati!ne 'neaprobatA) non assented bond ob$i%ati!ne 'ne%arantatA) debenture

60

ob$i%ati!ne 'nei,po9abi$A) premium savings bond ob$i%ati!ne 'no,ina$A) registered bond ob$i%ati!ne 'ordinarA) straight bond ob$i%ati!ne 'perpet!A) perpetual bond ob$i%ati!ne '"erie) serial bond ob$i%ati!ne 'tra"A pentr! ra,b!r"are) dra2n bond oc!pa de3c! deal 2ith o#eri to offer o#erire offering o#ertA offer o#ertA '$icitatie) bid, tender o#ertant offeror o#icia$ official, formal, statutor+ o#icia$itate official o#ici! 'de re$atii directe c! c$ientii4 ;n Tre9orerie) front office o#ici! 'inter,ediar4 ;n Tre9orerie) middle office o#ici! '$o%i"tic4 ;n Tre9orerie) bac" office o#iter 'de cont) account officer o#iter 'de credit) credit/loan officer onora 'p$Ati) to honour onorari! fee onorari! 'de de"c idere) front fee operati!ne bancarA ban"ing operation operati!ne co,ercia$A deal operati!ne de "c i,b3tran"#er rapid s2eep operator 'de ,ar*etin%) mar"eter opinie opinion opti!ne option opti!ne '$a ratA dobCnda) interest rate option opti!ne 'de "c i,b ;n va$!tA "trAinA) foreign currenc+ option opti!ne 'de "c i,b va$!tar) currenc+ option opti!ne de ape$ 'pentr! c!,pArare) call option opti!ne 'de c!,pArare) call option opti!ne de participatie 'c!,pArare3vCn9are acti!ni) e5uit+ option opti!ne 'de vCn9are) put option opti!ne inde0atA indexed option orar schedule ordin de p$atA pa+ment order ordin de p$atA '%arantat) pa+master ordin de p$atA 'per,anent) standing order ordonator 'p$atA) dra2er, ordering entit+, ordering client/customer or%ani9a to organise, to conduct

61

or%ani9atie organisation or%ani9ationa$ organisational ori%ina$ original

P

pac et pac"age pano! p!b$icitar billboard paradi" #i"ca$ tax haven, offshore zone parc!r%e to undergo paritate parit+ parte ';n a"ociere4 contract4 etc=) part+ parte '!nicA) sole part+ parte "e,natarA signing part+ partener partner, ';n acti!ni de ri"c) venturer parteneriat partnership partic!$ar private pa"ive liabilities patri,oni! tangible assets, propert+, e5uit+, stoc" patron emplo+er patron 'proprietar de ,a%a9in) shop"eeper pArA"i 'abandona) to 5uit pA"tra to preserve, to "eep pe ba9A de in"tr!cti!ni upon instructions pe ca$e a,iabi$A amiabl+, in an amiable 2a+, ';n acord!ri4 contracte) amicabl+ pe p$an internationa$ 2orld2ide pe p$an nationa$ nation2ide pena$itate penalt+ pena$i9are penalt+ pen"ie pension pen"ionar retired pentr! ;,pr!,!t!ri loanable per#or,antA performance perioadA term, period perioadA 'de va$abi$itate) validit+ period per"oanA person, individual per"oanA #i9icA natural entit+/person per"oanA /!ridicA legal entit+ per"oanA o#icia$A official per"ona$ 'a$ !nei directii4 !n!i "ervici!4 biro!) staff per"ona$ 'an%a/ati ai !nei "ocietAti) personnel, staff per"ona$ '$o%i"tic3de "pri/in) support staff pe"te va$oarea no,ina$A above par

62

piatA mar"et piatA 'a "ocietAti$or co,ercia$e) inter compan+ mar"et piatA 'co,ercia$A) business mar"et piatA 'de capita$) capital mar"et piatA 'de per"pectivA) target mar"et piatA 'de pri, ran%) primar+ mar"et piatA '"ec!ndara3de ran%!$ doi) secondar+ mar"et piatA 'de "cont) discount mar"et piatA '#inanciarA) financial/capital mar"et piatA 'i,obi$iarA) house mar"et piatA ';n #or,are) emerging mar"et piatA 'interbancarA) inter ban" mar"et piatA '$a vedere) spot mar"et piatA ',onetarA) mone+ mar"et piatA 'obiectiv) target mar"et piatA 'pentr! contracte $a ter,en #i0) for2ard mar"et piatA 'pentr! in"tr!,ente derivate $a ter,en) futures mar"et piatA 'va$!tarA) foreign currenc+ mar"et piatA 'va$ori ,obi$iare) stoc" mar"et pierdere 'pa%!bA) loss pierderi 'pe Crtie) paper losses p$a#on 'a$ ratei dobCn9ii) interest rate cap p$ani#ica to plan p$ani#icare planning p$ani#icare 'pe ba9A de indicatori) indicative planning p$a"a,ent capital investment, stoc", investment, ((')) placement p$a"a,ente interbancare inter ban" placements p$atA pa+ment p$atA bancarA ban"ing pa+ment p$atA 'c! ,i/$oace e$ectronice) electronic based pa+ment p$atA 'e0pediatA) remittance p$atA ';n aceea"i 9i) same da+ pa+ment p$atA ';n avan") advance pa+ment, do2n pa+ment p$atA ';n n!,erar) cash pa+ment p$atA '$a ordin) pa+ment order p$atA 'pe ba9A de doc!,ente "a! bancnote) paper based pa+ment p$atA 'prin po"tA) postal order remittance, mail order remittance p$atA "i,p$A 'directA) outright pa+ment p$atA '!nicA) lump sum p$Ati 'o datorie4 etc=) to repa+ p$Ati '!n cec4 ca,bie4 etc=) to honour p$Atibi$ pa+able

63

p$Ati 'a,Cnate) deferred pa+ments p$ati diver"e 'di#erite #or,e de p$ata) notes pa+able p$Atibi$ '$a cerere) pa+able on demand p$iant '#$!t!ra") leaflet, ((')) pamphlet po$ita bancara ban"er<s draft po$itA 'a"i%!rare de viatA $a ter,en) term life polic+ po$itA "indica$a 'a"i%!rare "!,e ,ici) industrial polic+ po$itA 'de a"i%!rare ,i0tA de viatA) endo2ment life polic+ po$itA 'de a"i%!rare) insurance polic+ po$itA 'de a"i%!rare pe intrea%a viatA) 2hole life polic+ po$itA 'p$atA ipotecare) mortgage protection polic+ po$itA '"!p$i,entarA pen"ie) pension polic+ po$itA 'tratA) draft po$itA de a"i%!rare 'de viatA) life insurance polic+, life assurance polic+ po$itA c! pri,A inve"titA ';n #ond!ri de inve"titii) unit lin"ed insurance polic+ po$itA dobCnditA endo2ment polic+ po$itA ipotecarA 'de protectie) mortgage protection polic+ poprire seizure porto#o$i! portfolio porto#o$i! 'de p$a"a,ente) investment portfolio po"eda to o2n, to possess po"t ';n or%ani%ra,A) position potrivit nor,e$or in compliance 2ith the rules po9itie 'po"t!rA) stance po9itie '"ocioecono,icA) status pra% 'a$ ratei dobCn9ii) interest rate floor prea$abi$ prior prea$abi$ 'anterior) previous prea$abi$ 'pre"tabi$it) prearranged pre$!are ta"eover pre$!are co,panie 'prin c!,pArare acti!ni pe ba9A de credit) leveraged bu+ out pre"crie 'an!$a) to 2rite off pre"tatie service pret price pret de e0erciti! 'a$ !nei opti!ni) stri"ing price, exercise price pretentie 'drept) claim prevedere ';n contract) provision, specification, stipulation preveni to prevent pre9enta ';n ca"cadA) to cascade pre9enta 'o cerere) to submit pre9entare 'cerere) submission

64

pri,A premium pri,A 'boni#icatie) bonus pri,A 'de a"i%!rare) insurance premium pri,itor recipient prin care 2hereb+ prin pre9enta hereb+ principa$ main principa$ ';n principa$) mainl+ principi! principle privat private probA 'e0peri,ent) trial probabi$ '"A) li"el+ to procede! procedure proced!rA 'nor,a) procedure proce"are 'de date) data procesing proc!ra 'capita$) to raise capital proc!ra 'capita$4 #ond!ri) to raise proc!rA po2er of attorne+, prox+ prod!ce 'pro#it) to +ield prod!" product prod!"e a%rico$e produce pro#e"ie ';nde$etnicire) trade pro#e"ioni"t professional pro#it profit, earnings, +ield, margin pro#it br!t gross profit pro#it net net profit pro%ra, programme pro%ra, 'pe 9i$e "i ore) schedule pro%ra,a to schedule proiect design, project proiecta to design, to project pro,ova to promote pro,ovare promotion pro,ovarea 'vCn9Ari$or) sales promotion pro,!$%a 'o $e%e4 decret4 etc=) to enact, to promulgate proportie degree proprietar o2ner, proprietor proprietar 'de activ ;nc iriat) lessor proprietar '#ranci9A) franchisor proprietate 'i,obi$iarA) estate, real estate proprietate 'patri,oni!) propert+, o2nership proprietate 're9identia$A) residential propert+

65

pro"pect 'p$iant) leaflet, ((')) pamphlet pro"pect de o#ertA p!b$icA '$icitatii) prospectus protectie ';,potriva ri"c!$!i) hedging protectie 'pro#e"iona$A) trade protection prote/a ';,potriva ri"c!$!i) to hedge prote"ta to protest provi9ie suppl+ provi9ion provision, loan loss reserve p!b$ic public p!nct 'de de"#acere) outlet p!nct 'de vCn9are) sale point, point of sale p!rta 'd!ce) to bear p!rtAtor bearer p!tere 'a!toritate) authorit+
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rabat 'red!cere) discount rA,Cne '$a) to rest 2ith rA,a" 'de re9o$vat3re%$e,entat) outstanding ra,b!r" reimbursement, amortisation ra,b!r"a to repa+, to reimburse ra,b!r"are repa+ment, amortisation, reimbursement randa,ent efficienc+, return raport report, 'indicator) ratio raport '#inanciar) statement, report raport de "o$vabi$itate ';ntre ;ndatorare "i #ond!ri proprii) gearing, ((')) leverage raport 're$atie) relationship raporta '$a) to relate to raportare '#inanciarA) financial statement rA"c!,pAra to redeem, to repurchase rA"c!,pArabi$ redeemable, callable rA"p!ndere liabilit+ rA"p!n9Ator 'de) liable for, responsible for rata 'a n! p!tea "A) to fail rata ,a0i,A stri"e rate rata rentabi$itAtii rate of return ratare failure ratA 'rec!noa"tere datorie $a tit$!ri) note rate ratA 'bancnote) note rate ratA 'de ba9A) base rate ratA 'de ;,pr!,!t) lending rate

66

ratA 'de rec!perare3revenire) rate of return ratA 'de "c i,b) exchange rate ratA 'dobCndA) interest rate ratA '#i0A) fixed rate ratA 'c!r"!$ 9i$ei) spot rate ratA 'nive$) rate ratA 're#eritor p$Ati) instalment ratA '"c i,bAtoare3variabi$A) floating rate rate 'de "ecti!ne va$oricA) banded rates rate '"trati#icate) tiered rates rA! p$atnic bad debtor rea$ real, concret, actual rea$i9a to perform, to carr+ out, to achive rea$i9a '!n %a/) to exercise a lien rea$i9are performance rea$i9ator performer rec$a,A 'acti!ne) adversiting rec$a,A 'ca #or,A) advertisment reco,pen"a to re2ard reco,pen"A re2ard recon"idera to revise rec!noa"te to recognise rec!no"c!t 'acceptat) recognised rec!pera to recover, to recoup rec!perare recover+, return rec!perare 'i,po9ite4 etc=) collection rec!r" recourse redacta to 2rite out redactare 'e0pri,are in c!vinte) 2ording redeventA ro+alt+ redre"are recover+ red!ce 'ri"c) to hedge red!cere 'ri"c) hedging re#erent 'de "pecia$itate) specialist, expert re#eri '$a) to refer to, to relate to re#erintA reference re#eritor $a ',e"a/e) ref., re. re%$e,enta 'o datorie4 "it!atie4 etc=) to settle, to clear re%$e,enta '"tabi$i nor,e "i re%!$i) to regulate re%$e,entare regulation re%$e,entare 'p$Ati4 di#erende4 etc=) settlement re%!$A 'nor,a) rule

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re%!$a,ent regulation, regulations, rules reinve"ti to reinvest, to plough bac", ((')) to plo2 bac" re$atie '$e%At!rA) relationship re$atie 'raport co,parativ4 indicator) ratio re$atii 'c! "indicate$e) industrial relations re$evant relevant re,itentA p$ata4 ac itare) remittance renovare refurbishment rentabi$itate 'randa,ent) return, +ield rentabi$itatea 'active$or) return on assets (3&)) rentabi$itatea 'capita$!$!i) return on capital (3&$) rentabi$itatea 'p$a"a,ente$or) return on investments (3&>) repara to repair reparatie repair reparatii improvements reparti9are ce"ionare) assignment reporta to retain repre9enta to account for repre9entantA representative office repre9entantA 'o#ici! de re$atii directe c! p!b$ic!$) point of sale, outlet repre9entare 'inter,ediere) agenc+ rep!tatie reputation, standing re"pin%e 're#!9a) to reject re"pon"abi$ 'c!) in charge of, responsible for re"t 'ceea ce rA,Cne) remainder re"tantA 'p$atA4 ra,b!r"are) bad debt re"tantier 'p$atA4 ra,b!r"are) bad debtor re"trictii controls,constraints re"!r"A resource re"!r"e !,ane human resources retea net2or" retine to retain retra%e to 2ithdra2 retra%ere 2ithdra2al retra%ere n!,erar cash 2ithdra2al ret!rna to return revedea 'ana$i9a) revie2 revedere 'ana$i9a) revie2 revendicare claim reveni 'c!iva) to rest 2ith revenire return revi9!i to revie2

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revi9!ire revie2 revoca 'an!$a) to cancel, to revo"e revocare cancellation, revocation re9o$!tie ' otarare o#icia$a) resolution re9o$vare '"o$!tionare) settlement ridicare 'e$i,inare) re"trictii deregulation rin% 'b!r"ier) floor ri"c va$!tar currenc+ ris" ri"c co$ectare creante recourse ro$ function, role r!$a/ 'de capita$) (capital) movement
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"a$ariat emplo+ee "a$arii '"a$ari9are) pa+roll "a$ari! 'p$Atit $!nar) salar+ "a$ari! 'p$Atit "AptA,Cna$) 2ages "a$ari9are pa+roll "AnAto"3oa"A sound "ati"#ace 'cereri) to meet demands "ati"#ace 'cerinte4 nece"itAti) to meet re5uirements "cadent due, at maturit+ "cadentA 'credit4 datorie) maturit+ "cAdea to decline, to decrease "cAdea 'pret!ri4 etc=) to drop "cAdea 'din) to deduct (from) "cAdere decline "c i,b exchange, change "c i,b ';n nat!rA) barter "c i,b 'in co,pen"atie) counter trade "c i,b 'de ,onedA4 va$!tA) pe piata va$!tarA currenc+ s2ap "c i,b '$a c!r"!$ 9i$ei) spot conversion "c i,b p$ati dobanda '"i,!$tan4 rata #i0a c! rata variabi$a) interest rate s2ap "c i,b 'rapid) s2eep "c i,b 'va$!tar) foreign exchange "c i,ba to change, to exchange "c i,ba 'va$!te) pe piata va$!tarA to s2ap "c i,bare change, exchange "coate 'bani) to 2ithdra2 "coatere 'bani) 2ithdra2al "cont discount "conta to discount

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"contare discounting "contare #act!ra '#actori9are) invoice discounting "cop goal, scope, purpose "cri"oare 'de credit) letter of credit (;/1) "cri"oare 'de %arantie) letter of guarantee "cri"oare 'de trA"!rA) 2a+bill "c!r%ere 'c e$t!ire) outflo2 "c!tit de i,po9it tax exempt "ecreti9are secrec+ "ector sector "ector bancar ban"ing sector "ectori9area pietii mar"et segmentation "edi! 'a$ !nei "ocietAti co,ercia$e) office premises "edi! 'c$Adirea) premises "e%,ent segment "e%,entarea pietii mar"et segmentation "e$ectie selection, choice "e,n sign "e,na to sign "e,nare signing "e,nAt!rA signature "eparat separate "erio" '"i%!r) reliable "ervicii bancare ban"ing services "ervicii bancare 'pentr! per"oane #i9ice) retail ban"ing "ervicii bancare 'pentr! per"oane /!ridice) 2holesale ban"ing "ervici! service "et set, pac"age "#At!i to advise "#at!ri 'con"!$tantA) advice "i%!r reliable "i%!r '$ip"it de ri"c) safe "i%!r '"AnAto") sound "i,p$! 'contracte) straight for2ard "indica$i9a to s+ndicate "indica$i9are s+ndication "indicat trade union "i"te, s+stem "i"te, bancar ban"ing s+stem "it!atia #$!0!$!i de n!,erar 'raport) cash flo2 statement, ((')) statement of changes in financial position "it!atie position, situation

70

"it!atie 'evidentA) statement "it!atie #inanciarA centra$i9atA 'con"o$idatA) consolidated financial statement "it!atie #inanciara 'raport) financial statement/report "it!atie '#inanciarA) financial position "it!atie 'oca9ie) instance "it!atie '"ocioecono,icA) status "it!atie '"tare) status "ocia$ 're#= "ocietate co,ercia$A) corporate "ocietate pe acti!ni joint stoc" compan+ "ocietate 'co,ercia$a) compan+, corporation "ocietate 'co,ercia$a anoni,a) public compan+ (B;1.) "ocietate 'co,ercia$a c! ra"p!ndere $i,itata) limited liabilit+ compan+ (;04.) "ocietate 'co,ercia$A privatA) private compan+ "ocietate 'co,ercia$A p!b$icA) public compan+ "ocietate #id!ciarA trust compan+ "ocietate 'de a"i%!rAri) insurance compan+ "ocietate 'de credit ipotecar) building societ+ "ocietate 'de porto#o$i!) holding "ocietate de inve"titii 'p$a"a,ente) unit trust "ocietate ,a,A 'a "!b"idiari$or) parent compan+ "o$d balance "o$d '$a ;nc idere) closing balance "o$icita to re5uest, '!n credit) to appl+ for a loan "o$icitant 'credit) credit/loan applicant "o$icitare demand, re5uest, application "o$!tionare settlement "o$vabi$itate solvenc+ "ondaj sampling, 'de opinie) poll "ot '"a! "otie) (generic)spouse "pecia$i"t specialist, expert "pecia$i"t ';n ,ar*etin%) mar"eter "peci#ica to specif+, to stipulate, to state "peci,en ',o"trA) specimen "peci,en "e,nat!ra signature specimen "perantA hope, expectation "pon"or sponsor "pon"ori9a to sponsor "pon"ori9are sponsorship "por 'cre"tere) increase, gro2th, rise "pori 'de9vo$ta4 diver"i#ica) to enhance "porire 'de9vo$tare) enhancement "pri/in support, assistance, aid

71

"pri/ini to support, to assist, to bac" "pri/ini '"!"tine) to bolster (up) "ta $a ba9a to be based on "tabi$ stable "tabi$i to establish "tabi$i ',Ari,ea3vo$!,!$) to size "tabi$ire establishment "tabi$ire 'co"t!ri) costing "tabi$ire 'b!%ete) budgeting "tabi$ire 'pret!ri) pricing "tabi$ire 'ter,ene) timing "tabi$itate stabilit+ "tabi$i9a to level out/off "tare status "tarea civi$A marital status "tati"ticA statistics Stat!t 'a$ "ocietAEi$or co,ercia$e) )rticles of )ssociation, ((')) %+la2s "tat!tar '$e%a$) statutor+ "ti,!$a 'activa) to bundle "ti,!$ent incentive "topa 'retractarea) to estoppe "topare 'retractare) estoppel "torna to ma"e corrections "trAinatate ';n3din) abroad "trat tier "tri%are '$a b!r"A) outcr+ "tr!ct!rA structure "t!diere 'piatA) mar"et research "!b va$oarea no,ina$A belo2 par "!b"idiar '#i$ia$a a !n!i %r!p)subsidiar+ "!bventie subsid+ "!c!r"a$A '#i$ia$A) branch "!,A !nicA '%$oba$A) lump sum "!,A no,ina$A face amount "!p$i,entar 'de re9ervA) bac" up "!porta 'ri"c!$) to stand the ris" "!prave% etor supervisor "!r"A source "!"tine '"pri/ini) to bolster (up)
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"e# manager

72

"e# '"!perior) senior manager "e# 'in#erior) junior manager "o,a/ unemplo+ment "ta,pi$a to stamp, to affix stamp "ta,pi$A stamp. seal
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ta0a to charge ta0A fee, charge, dut+ te nocratie technostructure, technocrac+ te no$o%ie in#or,ationa$A information technolog+ (>0) te no$o%ie 'avan"atA4 de vCr#) high technolog+, high tech te$e%ra#ie cable te$e%ra,A cable tendintA 'per"pectivA) trend teren 'de con"tr!ctii) site ter,en 'c$a!9A4 conditie) term ter,en 'de va$abi$itate) validit+ period ter,en 'd!ratA) term, period ter,eni 'de $ivrare) deliver+ terms, terms of deliver+ tert third part+ te9a!r treasur+ te9a!r 'depo9it bancar) vault ti,br! stamp tip t+pe, pattern tit$! heading, title tit$! 'c! venit #i0) financial future tit$! 'de creantA) debenture tit$! 'de credit) commercial paper tit$! 'de opti!ne) option tit$!ri 'con#ir,ate) seasoned securities tit$!ri 'de capita$ "!b"cri") share capital securities tit$!ri 'de porto#o$i!) portfolio securities tit$!ri 'de pri, ordin) blue chip securities tit$!ri 'de ran%!$ doi) secondar+ securities tit$!ri 'de "tat) government securities, ((A) gilt edged securities tit$!ri 'de "tat britanice) gilt (edged) securities tit$!ri 'de va$oare) $a ordin order bills tit$!ri 'de va$oare) $a p!rtAtor bearer securities tit$!ri ';n circ!$atie) outstanding securities tit$!ri 'necotate $a b!r"A) over the counter securities

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tit$!ri 'ne%ociabi$e) mar"etable securities tit$!ri 'pe ;,pr!,!t!ri3credite) loan capital securities to$erantA allo2ance to$eranta ratei dobCn9ii interest rate collars tota$ total, aggregate, all in trA%Ator dra2er, ordering entit+, ordering client/customer tra%e to dra2 tra%ere dra2ing tran"a 'credite) tranche tran"#er transfer tran"#er 'de #ond!ri) funds transfer tran"#er 'prin po"ta aerianA) airmail transfer ()#0) tran"#er 'prin po"tA) mail transfer (#0) tran"#er rapid s2eep tran"#er 'te$e%ra#ic) telegraphic transfer (00) tran"#er de ri"c hedging tran"#era to transfer, to exchange tran"#era ri"c to hedge tran",ite to transmit, 'e0pedia) to remit tran",itere transmission, 'p$Ati) remittance tran",itere o#ertA offering tran"port carriage, transport, ((')) transportation, haulage, hauling tran"port partia$ part shipment tran"port 'nava$) shipment, shipping tran"port 'tere"tr!) haulage tran"A 'credite) tranche tran9actie transaction, '$a b!r"A) trading, deal tran9actie 'de "!,e ;,pr!,!tate) ((')) leveraged transactions tran9actie '"inteticA) s+ntethic transaction tran9actionare dealing, trading tra" dra2ee, ban" trA"At!ra 'caracteri"ticA) feature trA"At!ra '"peci#icA) particular tratA draft tre9orerie treasur+, ((')) dealing room tri,e"tria$ 5uartel+ tri,e"tr! 5uarter tri,ite ';nainta) to for2ard troc barter tr!"t trust t!ri", tourism t!tore 'copii) guardian

74

tine 'detine) to hold

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va$abi$ valid va$abi$itate validit+ va$oare amount, value va$oarea credit!$!i '#ArA dobCndA) principal va$oare 'no,ina$A) par/face value, face amount va$oare b!r"ierA mar"et value va$oare de piatA mar"et value va$oarea !nei ca,bii ac itate ;nainte de "cadentA cash discount va$ora to value va$ori ',obi$iare) securities va$!tA '"trAinA) foreign currenc+, foreign exchange vCn9are sale vCn9are 'prin conventie de credit) credit sale vCn9are acti!ni 'cAtre per"ona$!$ !nei co,panii) bu+ aut vCn9are conditionatA 'prin conventie de #inantare) contional sale, sale upon agreement vCn9Ator salesman, sales2oman vCr# apex, top vAr"a 'bani) ;n to pa+ in vAr"A,Cnt pa+ment vedere sight venit 'c!rent) revenue, earning venit '%$oba$) income venit 'va$oare) revenue veri#icare 'cont!ri) audit, auditing vira,ent transfer vota 'o $e%e) to pass (a la2)

75

9oote nie livestoc" farming

credit credit loan credit bancar ban" loan credit co,ercia$ trade credit credit con"!,ator consumer credit credit contra ce"i!ne assignment credit credit c!,parator bu+er credit credit de con"!, consumer credit credit de e0p$oatare 2or"ing capital credit 2or"ing credit credit de inve"titii capital investment loan credit de "cont discount credit credit de "!d!ra bridging finance bridging loan

76

credit doc!,entar documentar+ credit credit #!rni9or supplierCs credit credit %arantat secured credit secured loan credit i,obi$iar construction loan credit in a$b blan" credit open credit unsecured credit credit ipotecar mortgage mortgage credit credit ipotecar c! rata variabi$a adjustable rate mortgage )3# credit ipotecar direct direct mortgage loan credit ipotecar indirect indirect mortgage loan credit $o,bard collateral loan ((')) lombard loan (A credit ,i0t mixed credit credit ne%arantat blan" credit open credit unsecured credit credit ne%ociabi$ negotiable credit credit ob$i%atar bond financing credit pe ba9a de depo9it loan on deposit credit pe ca!ti!ne bail credit credit pe de"coperit current account credit (' overdraft (A credit pe ter,en "c!rt short credit short term loan credit per"ona$ personal credit credit prin acceptare acceptance credit credit prin an%a/a,ent

77

guarantee credit credit prioritar overriding credit credit p!nte bridging finance bridging loan credit reinnoibi$ rene2able credit revolving credit credit reinnoibi$ a!to,at evergreen credit credit ro$$-over roll over credit credit rotativ rene2able credit revolving credit credit "e9onier seasonal credit credit "tandb& standb+ credit creditarea cont!$!i credit on account crediting the account creditat credited c!,parare pe credit credit purchase term purchase c!,parari pe credit purchases on credit c!,parator pe credit credit customer de creditat to be credited eva$!area ri"c!ri$or de credit credit status investigation inre%i"trare in credit!$ I!n!i contJ credit entr+ inre%i"trare pe credit credit entr+ credit inre%i"trate drept credite3inre%i"trari pe credit recorded as/b+ credits $i,ita de credit credit limit $inie de credit credit line line of credit $inie de credit '"tand-b&) credit line line of credit

78

pe credit (despre inregistrari contabile) on the credit side p$a#on de credit lending limit po$itica de credit credit polic+ printr-!n credit in b+ crediting protoco$ de credit credit memorandum ra,b!r"are anticipata 'a !n!i credit) prepa+ment ri"c de credit credit ris" "cri"oare de credit ;/1 letter of credit "cri"oare de credit circ!$ara circular letter of credit "cri"oare de credit co,ercia$a commercial letter of credit "cri"oare de credit de ca$atorie travellersC ;/1 travellersC letter of credit "cri"oare doc!,entara de credit documentar+ letter of credit ter,en de credit credit term van9are pe credit credit sale a acorda !n credit (to) grant a credit a credita (to) credit ac i9itii pe credit purchases on credit acord de credit credit agreement acord de credit incr!ci"at s2ap agreement banca de credit ipotecar mortgage ban" card de credit credit card carte de credit credit card cerere de credit 'bancar) loan application co$oana KcreditL credit column cooperativa de credit

79

credit co operative credit union