Descarca catalogul - ALB
Descarca catalogul - ALB
Descarca catalogul - ALB
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Item Classification Gross exposures Net exposures( 1 ) Necessary specific<br />
No. categories<br />
from from Coefficient credit-risk provisions<br />
principal Interest principal Interest principal Interest<br />
A B 1 2 3 4 5 6 = 3*5 7 = 4*5<br />
I - credits extended to debtors, other than the natural person debtors, for which specific credit risk<br />
provisions are created.<br />
1 Standard 0<br />
2 Under surveillance 0.05<br />
3 Substandard 0.2<br />
4 Doubtful 0.5<br />
5 Loss 1<br />
6 Total (lines 1 to 5) X<br />
I - credits extended to debtors, other than the natural person debtors, for which no specific credit<br />
risk provisions are created.<br />
7 Standard<br />
8 Under surveillance<br />
9 Substandard<br />
10 Doubtful<br />
11 Loss<br />
12 Total (lines 7 to 11)<br />
III - credits extended to natural person debtors, for which specific credit risk provisions are<br />
created (others than the credits extended to the natural person debtors that are exposed to the<br />
foreign-exchange risk, and that are recorded in a currency or are indexed against a currency).<br />
13 Standard 0<br />
14 Under surveillance 0.05<br />
15 Substandard 0.2<br />
16 Doubtful 0.5<br />
17 Loss 1<br />
18 Total (lines 13 to 17) X<br />
III - credits extended to natural person debtors, for which no specific credit risk provisions are<br />
created (others than the credits extended to the natural person debtors that are exposed to the<br />
foreign-exchange risk, and that are recorded in a currency or are indexed against a currency).<br />
19 Standard<br />
20 Under surveillance<br />
21 Substandard<br />
22 Doubtful<br />
23 Loss<br />
24 Total (lines 19 to 23)<br />
V - credits that are extended to natural person debtors who are exposed to the foreign-exchange<br />
risk and that are indexed based on the exchange rate of a currency or indexed against a currency,<br />
and for which specific credit risk provisions are created.<br />
25 Standard 0.07<br />
26 Under surveillance 0.08<br />
27 Substandard 0.23<br />
28 Doubtful 0.53<br />
29 Loss 1<br />
30 Total (lines 25 to 29) X<br />
V - credits that are extended to natural person debtors who are exposed to the foreign-exchange<br />
risk and that are indexed based on the exchange rate of a currency or indexed against a currency,<br />
and for which specific credit risk provisions are not created.<br />
31 Standard<br />
32 Under surveillance<br />
33 Substandard<br />
34 Doubtful<br />
35 Loss<br />
36 Total (lines 31 to 35)<br />
37 Total (lines 6+12+18+24+30+36) X<br />
1) The net exposures are gross exposures diminished according to the related guarantees.<br />
107<br />
60184_file_interior_lucian_v9.indd 107<br />
11/5/2012 9:22:06 AM
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