BANCA TRANSILVANIA S.A. Romanian joint-stock company ...

odies have already made firm commitments.Information regarding the anticipated sources of funds needed to fulfil previously mentionedcommitments.The investments budget for 2012 includes:Agencies and buildings41.021.000 leiIT Investments and cards:48.510.000 lei• IT Core and CRM 29.667.000 leiVehicles1.888.000 leiOther investments7.226.000 leiBank Investments98.645.000 leiInvestments in subsidiaries15.225.000 leiTotal investments113.870.000 lei6. OVERVIEW OF ACTIVITIES6.3. Main ActivitiesRetail BankingTo address the retail banking market, the Bank focuses on family needs, including bothdeposits and a large variety of loans.Term deposits are offered in a broad range of maturity options (from overnight to 18months) with fixed or variable interest rates and an option to negotiate interest rates forhigh value deposits. The market reaction to the Bank's deposit products was excellent,earning the Bank second place in Romania according to the survey conducted by Capital(financial publication).The Bank's credit facility offerings are also extensive, consisting of home loans,consumer and car loans, stock purchase facilities and student and tourist loans. Inparticular, recent developments in the Romanian economy resulted in a boom in the realestate industry. Partly due to the Bank's expansive territorial network and quickprocessing of loan applications, the Bank established an early presence on the home loanmarket, building a significant market share (9-10% currently) before other banks enteredthe market. The Bank is considered by many individuals as their "family Bank" based onan established long-term relationship.Corporate and Commercial BankingAs a commercial bank, the Bank's objective is to identify its customers' needs at an earlystage and to develop corporate & commercial finance products to offer an appropriate54