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New Credit Granted Credite noi acordate 2.1% 6.5% € 225,875 million 30.06.2012 Consumer credit for personal consumption / Credite destinate consumului personal Credits for Vehicles / Credite auto Industrial Credit/ Credite Industriale 91.4% Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA Issued by Diplomat Consult for ALB Romania 60184_file_interior_lucian_v9.indd 46 11/5/2012 9:21:58 AM
New Credit for Personal Consumption Credite noi acordate pentru consum personal 30.06.2012 14% 52% Direct personal loans Imprumuturi de tip nevoi personale 14% Credit at the point of sale Credit la POS 34% € 206,515 million 52% 34% Revolving credits, including credit cards Credite de tip revolving, inclusiv carduri de credit Source/Sursa: ASOCIATIA SOCIETATILOR FINANCIARE – ALB ROMANIA Issued by Diplomat Consult for ALB Romania 60184_file_interior_lucian_v9.indd 47 11/5/2012 9:21:58 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 41 and 42: Piata de leasing din Romania dupa n
Page 43 and 44: Piata de leasing din Romania dupa n
Page 45: Outstanding by Loan Type Portofoliu
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 and 102:
1*) 23. - category 2*) 24. Total (l
Page 103 and 104:
ORDER No. 27/ 27 December 2010 Offi
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
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