Descarca catalogul - ALB

More documents

Recommendations

Info

Initial category of financial performance A B C D E A B C D E Total Description ( 2 ) Contact person ................................................... (name, first name, telephone) Authorised person***) ................................................... (name, first name, signature) Authorised person***) ................................................... (name, first name, signature) ___________ ( 1 ) The net exposures are gross exposures diminished according to the related guarantees. *) Category 1: exposures representing credits/placements classified as "losses", in the case of which the debt service is of not more than 90 days and in the case of which no judicial procedures have been started. **) Category 2: exposures representing credits/placements classified as "losses", in the case of which the debt service exceeds 90 days and/or in the case of which judicial procedures have been started. ( 2 ) If the total is not 100%, the operations that led to this situation shall be described briefly. ***) Authorised person - this is a person who is mandated to commit the legal accountability of the institution or another person whom the authorised person has mandated. 102 60184_file_interior_lucian_v9.indd 102 11/5/2012 9:22:05 AM
ORDER No. 27/ 27 December 2010 Official Gazette, Part I, No. 930 of 28 December 2011 effective as of 28 December 2011, to approve the accounting regulations harmonised with the European directives Having regard to the provisions of Articles 22 and 54 of Law No. 93/2009 on non-bank financial institutions, as subsequently amended and completed, to the provisions of Article 36 of the Government Ordinance No. 39/1996 on the establishment and operation of the Deposit-guarantee Fund in the Banking System, republished, as subsequently amended and completed, of Article 34 of the Government Emergency Ordinance No. 113/2009 on payment services, approved as amended by Law No. 197/2010, as subsequently amended and completed, and to the provisions of Article 37 of Law No. 127/2011 governing the issuance of electronic money, According to Article 4, paragraph 3, letter a) of the Accounting Law 82/1991, republished, as subsequently amended and completed, of Article 48 of Law 312/2004 on the Statutes governing the National Bank of Romania, of Article 48 of the Government Ordinance No. 39/1996, republished, as subsequently amended and completed, of Article 36 of the Government Emergency Ordinance No. 113/2009, approved as amended by Law 197/2010, as subsequently amended and completed, and of Article 40 of Law 127/2011, The National Bank of Romania hereby issues the following Order: Article 1 The Accounting Regulations, harmonised with the European directives indicated in the Annex*) are hereby approved. ___________ *) The Annex was published in Part I of the Official Gazette of Romania No. 930 bis which can be purchased from the Public Relations Centre of the “Official Gazette” public corporation, located in Bucharest at 1, Panduri Street. Article 2 The provisions of this Regulation shall apply to: a) non-bank financial institutions placed registered with the General Registry according to the provisions of Law 93/2009 on non-bank financial institutions, as subsequently amended and completed; b) payment institutions that extend loans related to the payment services and whose activity is limited to the provision of payment services, according to the provisions of Article 22 of the Government Emergency Ordinance No. 113/2009 on payment services, approved as amended by Law 197/2010, as amended and completed; c) institutions emitting electronic money, that grant loans related to the payment services and whose activity is limited to the emission of electronic money and the provision of payment services, according to the provisions of Article 22 of Law 127/2011 governing the issuance of electronic money; d) Romanian branches of the foreign institutions referred to at letters a) through c); 103 60184_file_interior_lucian_v9.indd 103 11/5/2012 9:22:05 AM
Page 1 and 2:
Piaţa Instituţiilor Financiare Ne
Page 3 and 4:
60184_file_interior_lucian_v9.indd
Page 5 and 6:
Ordinul nr. 27 din 27.12.2011 - pen
Page 7 and 8:
Antoaneta Curteanu Presedintele ALB
Page 9 and 10:
lutii viabile de rezolvare a confli
Page 11 and 12:
De la istoria leasingului si a cred
Page 13 and 14:
finantare a vietii cotidiene a unei
Page 15 and 16:
Leasingul in prima jumatate a secol
Page 17 and 18:
cu mobilizarea americanilor pentru
Page 19 and 20:
in aceasta piata locala. Exista nev
Page 21 and 22:
consum, in special cele in devize (
Page 23 and 24:
inregistrate in Registrul General,
Page 25 and 26:
activitate. In timp ce dezvoltarea
Page 27 and 28:
credite acordate persoanelor cu stu
Page 29 and 30:
acestuia in puterea si in rolul sau
Page 31 and 32:
Evolutia pietei de leasing financia
Page 33 and 34:
Piata de leasing financiar din Roma
Page 35 and 36:
Piata de leasing financiar (echipam
Page 37 and 38:
Page 39 and 40:
Page 41 and 42:
Piata de leasing din Romania dupa n
Page 43 and 44:
Piata de leasing din Romania dupa n
Page 45 and 46:
Outstanding by Loan Type Portofoliu
Page 47 and 48:
New Credit for Personal Consumption
Page 49 and 50:
New Credit Granted by Client Age Cr
Page 51 and 52: New Credit Granted by Client Macro-
Page 53 and 54: New Credit Granted by Marital Statu
Page 55 and 56: New Credit Granted by Net Income of
Page 57 and 58: Criminalitate de Business Intrebare
Page 59 and 60: se expuna incalcarii anumitor preve
Page 61 and 62: 60184_file_interior_lucian_v9.indd
Page 63 and 64: pentru a evita astfel plata TVA la
Page 65 and 66: Incepeam acest articol prin a spune
Page 67 and 68: Provocări curente privind aplicare
Page 69 and 70: Există trei tipuri de relații de
Page 71 and 72: ea justă sau fluxurile de trezorer
Page 73 and 74: Acoperirea fluxurilor de trezorerie
Page 75 and 76: • transferă activul financiar, i
Page 77 and 78: Achiziția unui portofoliu de crean
Page 79 and 80: cu dificultăți operaționale care
Page 81 and 82: prevăzând clasificarea în două
Page 83 and 84: VI. Texte legislative pentru IFN-ur
Page 85 and 86: modernisation, consolidation or exp
Page 87 and 88: (3) In case there is no legal oblig
Page 89 and 90: elevant competent authorities, with
Page 91 and 92: ORDER No. 25/2011 of the National B
Page 93 and 94: ANNEX OF NBR ORDER NO. 25/2011 STAT
Page 95 and 96: 19. - category 1*) 20. - category 2
Page 97 and 98: 7. - category 2**) 8. Total (lines
Page 99 and 100: Item No. Classification categories
Page 101: 1*) 23. - category 2*) 24. Total (l
Page 105 and 106: Order No. 4 din 8 March 2012 Publis
Page 107 and 108: Item Classification Gross exposures
Page 109 and 110: f) A Category countries - Member St
Page 111 and 112: the requirements provided for under
Page 113 and 114: Article 16 - The exposure incurred
Page 115 and 116: CHAPTER VI Reporting requirements A
Page 117 and 118: 117 60184_file_interior_lucian_v9.i
Page 119 and 120: 119 60184_file_interior_lucian_v9.i
Page 121 and 122: categories, as defined in RNTR 2, e
Page 123 and 124: (3) The tax reduction rate, provide
Page 125 and 126: the time when this Law takes effect
Page 127 and 128: Annex No. 2 - Pollution tax rates,
Page 129 and 130: Annex No. 3 - pollution tax rates,
Page 131 and 132: Annex No. 5 - Additional pollution
Page 133 and 134: (3) The amounts shall be refunded b
Page 135 and 136: “l^1) 50% of the costs of road mo
Page 137 and 138: The cancellation will be effective
show all

Descarca catalogul - ALB

Create successful ePaper yourself

Delete template?

Save as template?