ROMANA

Directorat
Consiliul de Supraveghere
Comitetul de Administrare a Riscurilor
Directia Organizare
Departament
Directia Credite Corporate
reguli de procedura
resortul de risc
Departamentul Administrare Credite Corporate
Departamentul Analiza Credite IMM
Directia Restructurare si Reorganizare Credite
Departamentul Juridic Corporate
Directia Credite Retail
Departamentul Analiza Credite Persoane Fizice
Departamentul Monitorizare si Credite Neperformante
Directia Risc Controlling
Departamentul Raportari
Risc de credit
Risc operational
Risc de piata
Biroul Basel II
Resortul Corporate si Trezorie
Directia Trezorerie si Piete de Capital
Departamentul Piata Monetara si Gestionarea Lichiditatii
Departamentul Piata Valutara si Instrumente Derivate
Biroul Gestionare Active si Pasive
Biroul Administrarea Personalului
Biroul Recrutare si Pregatire a Personalului

Biroul Compensatii si Beneficii

Biroul Salarizarea Personalului
Biroul Structura si Analiza Organizationala
Departamentul Corporate Bucuresti
Departamentul Corporate & IMM Regional
Biroul Finantare Proiecte Imobiliare
Directia Referral B
Administrator de cont
sucursala
agentie
Consiliu de Administratie
Regulamentul de organizare si functionare (ROF)
manager de client
escaladare
Procedura interna privind serviciile de clientela si operatiunile cu numerar
Decontare
a tranzactiona
cheltuieli de exploatare
Manager de cont
grad de solvabilitate
valoare contabila
indemnizatie
venit din valori mobiliare
patrimoniu de afacere
factor de actualizare
venit din activitatea currenta
conturi de regularizare

Manager de risc
Managementul riscului
Departamentul de administrare a riscului grupului
operatiuni in activ
Date Master
Soft Facts/Hard Facts
raportul dintre credit si suma estimata a garantiei
garantie
Baza de date centrala
Ghid de orientare
gaj asupra imprumutului
Legea bancara austriaca
valoare numerar
garantie cu titlu de valoare
titluri de valoare
diferente valutare
credit in derulare
expunere la neplata
proprietati imobiliare generatoare de venit
contabilitate de casa
carnet de cecuri
titluri garantate cu portofolii de creante ipotecare
sistem contabil de inregistrare pe baza de angajament
cont debitor
credit sub cesiune
imprumutat/debitor

sistem de ponderare
venit net din vanzare
swap pe randamentul total
valoare de rascumparare
inchiderea pozitiei
Gir
Catalogul de garantii
Pierdere datorata nerambursarii
Comitetul de Audit
Departamentul de Conformitate
Departamentul Anti-frauda
Directia de Management de Retea
Referent de specialitate
Echipa de inspectie
Proces de evaluare a adecvarii capitalului la riscuri (ICAAP)

Toleranta la risc
Expunere fata de contrapartide
Efectul de parghie
Rata fondurilor proprii de nivel 1
Erodarea capitalului
Banda de scadenta
Indicator de lichiditate

Credite restante si indoielnice

scrisoare de garantie bancara
Rescadentare
Depozit la vedere

depozite la termen
scadenta reziduala
Rambursare anticipata
plasamentele in titluri de stat
Risc residual
Indatorare
Cerinta de capital
Curba ratei dobanzii
Risc reputational
Rating
Scadenta
Exigibilitate
Restanta
Piata monetara
Expunere
Adecvarea capitalului la risc
Risc rezidual
Riscul de lichiditate al pietei
Sechestru
Act constitutiv
Diretor resort
Director de Directie
cesiune de creanta
In afara bilantului/extrabilantiere
Intre conturile bilantiere
swap
Instrumente derivate
tranzactionare de marfuri
combatere
contabilitate de casa
proprietati imobiliare generatoare de venit
creante extrabilantiere
capital activ
a ceda o creanta
tranzactii de tip repo
dobanda capitalizata

fonduri tranzactionate la bursa

sef Departament Controlling
Director Directia Resurse Umane
sef Departament Reclamatii
sef Departament Comunicare & PR
Director Directia Juridica & Management Affairs
Coordonator ul Functiei Trezorerie si ALM
Director Directia Administrare Retea
Director Directie Clienti Internationali
sef Departament Dezvoltare Produse si Suport Vanzari Corporate & Trezorerie
sef Departament Managementi Vanzari Retail
Director Directia Restructurare & Reorganizare Credite
Director Directia Management Credite Corporate
sef Departament Juridic Executare Silita
Director Directia Administrativ si Investitii
sef Departament Administrare Credite Retail
Director Directia Financiar Contabilitate
Director Directia Marketing
Director Directia Organizare
sef Departament ALM
Director Directia Audit Intern
Director Directia Corporate si IMM
Director Directia IT & Comunicatii
Directia Management Credite Retail
Sef Departament Administrare Credite Corporate
Director Directie Operatiuni
Director Directie Trezorerie
sef Departament Conformitate
Avizat pentru Conformitate
structura de conducere
functie de conducere
stimulent

ENGLEZA
Directorate
Supervisory Board
Risk Management Committee
Organization Division
Department
Corporate Credits Division
rules of procedure
risk resort
Corporate Credit Administration Departament
SME Credits Analysis Department

Credit Workout and Restructuring Division

Corporate Legal Department
Retail Credits Division
Private Individuals Credits Analysis Department
Monitoring Bad Loans Department
Risk Controlling Division
Reporting Department
Credit risk
Operational risk
Market risk
Basel II Desk
Corporate and Treasury Resort
Treasury and Capital Markets Division
Money Market and Liquidity Management Department
Foreign Exchange Market and Derivatives Department
Assets and Liabilities Management Desk
Personnel Administration Desk
Recruitment and Training Development Desk

Compensations and Benefits Desk

Personnel Payroll Desk
Organisational Structure and Job Analysis Desk
Bucharest Corporate Department

Regional Corporate & SME Department

Real Estate Desk
Referral Business Division
Account Officer
branch
Agency
Managing Board
Organizational and Functioning Regulation (OFR
customer manager
escalation
Customer and Cash Procedure
Settlement
to trade
operating expenses
Account manager
Creditworthiness
book value
Allowance
capital yield
business assets
discount factor
ordinary income
Accruals

Risk Manager
Risk Management
Group Risk
lending business
Master Data
Soft Facts/Hard Facts
loan-to-value
Collateral
Central Data Pool
Guideline
loan lien
Austian Banking Act
cash value
securities collateral
Securities
currency mismatch
outstanding credit
exposure in default
Income producing real estate
cash basis accounting
bank book
asset backed securities
accrual basis accounting
accounts receivable
assignment credit
Borrower

weighting system
net proceeds
total return swap
surrender value
offsetting
surety
Collateral Catalogue
Loss-given-default
Audit Committee
Compliance Department
Antifraud Department
Network Management Division
Specialist Advisor
Inspection team
Internal Capital Adequacy to Risk Assessment Process (ICAAP)

Risk tolerance
Exposure to counterparties
Leverage ratio
Tier 1 capital ratio
Capital erosion
Maturity band
Liquidity ratio

Past due and doubtful loans

letter of bank guarantee
Rescheduling
Sight deposit

Time deposit
Residual maturity
Prepayment
government bonds investments
residual risk
indebtedness
capital requirement
yield curve
Reputational risk
rating
maturity
enforceability
remainder
money market
exposure
capital adequacy to risk
residual risk
The market liquidity risk
seizure
Articles of Association
Vice-President of resort
Division Director
assignment as collateral
off-balance-sheet
on-balance-sheet
swap
derivatives
commodity trade
mitigation
cash basis accounting
IPRE = Income producing real estate
off-balance-sheet receivable
working capital
assign a claim
repos
capitalizing interest rate

exchange traded funds

Head of Controlling Department
Head of Human Resources Division
Head of Complaints and Quality Management Department
Head of Communication Department
Head of Legal and Management Affairs Division
Coordinator of Treasury and ALM Function
Network Management Division
Head of International Clients Division
Head of Corporate and Sales Support Department
Head of Products and Retail Sales Management Division
Head of Retail Credit Management Division
Head Corporate Credit Management Division
Head of Legal Forced Execution Department
Head of Administration and Investment Division
Head of Loan Administration Retail Dpt
Director Financial Accounting
Head of Marketing Division
Head of Organisation Division
Head of ALM Department
Head of Audit Division
Head of Corporate and SME Division
Head of IT Communication Division
Retail Credit Management Division
Loan Administration Corporate Dpt
Head of Operations Division
Head of Treasury Division
Head of Compliance Department
Assent for the Compliance
management body
executive management position
incentive

Division