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

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The Technical Committee for Operational Risk receives information and reports from thespecialized departments in the Head Office and branches, it analyses the documentation andmakes decisions concerning operational risk or submits proposals to other TechnicalCommittees under the supervision of the Executive Management Committee or to theExecutive Management Committee based on competence.It communicates the measures to be implemented by departments in the Head Office/branchesand monitors their implementation within the established deadlines.Technical Committee for Credit Policy and Approval (CTPAC):The main objective is to establish BT’s lending policy and to approve loans with value orconditions exceeding the competence of other departments or persons within the Bank. TheTechnical Committee for credit policy and approval has the following members: GeneralManager; Deputy General Manager; Executive Manager – Corporate & SME Clients (forlegal persons) - executive secretary of the technical committee; Regional Executive Manager(for natural persons); Executive Manager – Risk Management; Executive Manager – COO;Regional Executive Manager (DEB); Regional Executive Manager (DEO).Technical Committee for Human Resources (CTRU):The Technical Committee for Human Resources was created in order to increase efficiencyand focus in making decisions regarding BT employees. The Technical Committee forHuman Resources is composed of: General Manager; Deputy General Manager; ExecutiveManager (COO); Executive Manager - Retail Banking; Executive Manager - Corporate andSME Clients; Regional Executive Manager Bucharest (DEB); Executive Manager - HumanResources - executive secretary of the technical committee; Status of attendees: DeputyManager for Human Resources, Deputy Manager for Human Resources (Bucharest) and arepresentative of the employees.Credit and Risk Committees in the Head Office (CCR1 and CCR2):The main objective of the Credit and Risk Committees in the Head Office is to analyse and toapprove loans, respectively to restructure loans according to the competences granted by theExecutive Management Committee.The Technical Committee for credit policy and approval mandates CCR1 and CCR2 with thecapacity to approve loans (the competence is set in specific internal regulations).Membership of the Credit and Risk Committee 1 (CCR 1)The members of the Credit and Risk Committee 1 (CCR 1) are:- deputy manager of DMRC/coordinator of risk analysts / designated substitutes;- management of the Corporate Client Credit Department, SME Department, HealthcareDivision and Retail Credit Department, within the HO- Heads of Services within the Corporate Client Credit Department/ Manager of the CorporateClient Credit Department/designated substitute; SME Clients Department Manager/ deputy78
manager for SME loans/ designated substitute for SME clients; deputy manager of theHealthcare Credit division/ designated substitute for Healthcare division clients; Deputymanager for retail loans/ designated substitute for retail clients; legal advisor / designatedsubstitute.Membership of the Credit and Risk Committee 2 (CCR 2):- deputy general manager / designated substitute- manager for Risk Management, deputy manager of DMRC/designated substitute- management of the Corporate Client Credit Department, SME Department, HealthcareDivision and Retail Credit department within the HO: Manager of Corporate Client CreditDepartment/designated substitute; SME Department Manager/ deputy manager for SMEloans/designated substitute for SME clients; deputy manager of the Healthcare Creditdivision/ designated substitute for Healthcare division clients; Deputy manager for retailloans/ designated substitute for retail clients; legal advisor / designated substitute.It analyses and approves the loan requests of the branches in RON and foreign currency,which fall under their competence, based on the information contained in the loan reports/Credit risk assessment forms.Credit and Risk Committee in branches/agencies (CCRS/CCRA);The main objective of the Credit and Risk Committees in branches/agencies is to analyse andapprove loans, respectively to restructure loans according to the competencies granted by theEMC.The membership of the Credit and Risk Committee is established to cover staff size andstructure in BT branches.There are 3 types of credit and risk committees at branch level:a. Credit and Risk Committee approving loans to Corporate clients – no. of members: atleast 3 persons.b. Credit and Risk Committee approving loans to SMEs, family associations orauthorized natural persons – no. of members: 3 persons.c. Credit and Risk Committee approving loans to natural persons.CCR members are:- Branch manager/ Deputy branch manager;- Head of retail/ retail coordinator/ head of retail loans;- Credit analyst/ client advisor / head of agency (for the documentation related to thecoordinated agency);- Legal advisor (specialized consultant, at the request of the Credit and Risk Committeewithout voting right).Membership of the Credit and Risk Committee in Agencies:79
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Interest expense -921,954 -897,963
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Placements with banks 1,059,394 566
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activities".B.16 To the extent know
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Subject to the provisions laid down
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(assuming that there is no conversi
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after the close of the Pre-emptive
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Tranche A Bonds to Tranche B Bonds.
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“Lead Manager”,"Broker" or "BTS
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estructuring, liquidation, dissolut
Page 28 and 29: "PrimaryOffer Period""Reference Pag
Page 30 and 31: I. REGISTRATION DOCUMENT1. LIABLE E
Page 32 and 33: Distributable to:Equity holders of
Page 34 and 35: pace under the current market condi
Page 36 and 37: OWN FUNDS LEVEL II 203 154 78 48 36
Page 38 and 39: The table below presents the struct
Page 40 and 41: 1-3 years 810,462 16%3-5 years 549,
Page 42 and 43: macro-economical environment is sti
Page 44 and 45: • creation and constant maintenan
Page 46 and 47: Banca Transilvania’s strategy for
Page 48 and 49: y a low level of liquidity. Further
Page 50 and 51: investment will have on the potenti
Page 53 and 54: 5. INFORMATION ABOUT THE ISSUERHist
Page 55 and 56: solution. This client service appro
Page 57 and 58: anches (I+II)CREDITCOOP 796,3 0,2 8
Page 59 and 60: After temporary downward pressure o
Page 61 and 62: company proposes financing solution
Page 63 and 64: Until December 31, 2011 the units h
Page 65 and 66: ORGANISATIONAL CHART OF BANCA TRANS
Page 67 and 68: 8. INFORMATION ON TRENDS8.1. Statem
Page 69 and 70: Mr. Peter Morris Franklin was born
Page 71 and 72: Doca Nevenca ZorancaRelationsExecut
Page 73 and 74: ecomes the Head of the Arbitration
Page 75 and 76: • Providing means of open communi
Page 77: Technical Committee for the Managem
Page 81 and 82: 11. MAIN SHAREHOLDERSAs at 30.12.20
Page 83 and 84: LeiLeiInterest income 1.856.372 1.8
Page 85 and 86: LiabilitiesDeposits from banks 251.
Page 87 and 88: contributionDistribution to statuto
Page 89 and 90: Consolidated cash flow statementFor
Page 91 and 92: Less accrued interest -2.019 -3.588
Page 93 and 94: Tangible assets 275.174 266.586 1,0
Page 95 and 96: According to the Articles of Associ
Page 97 and 98: II. BONDS TERMS AND CONDITIONS1. BA
Page 99 and 100: The Bonds are direct, unconditional
Page 101 and 102: payments accrued and unpaid have be
Page 103 and 104: Agent to the Bondholders registered
Page 105 and 106: marketV d is the number of Shares t
Page 107 and 108: 7. NoticesExcept as otherwise provi
Page 109 and 110: Bond Registry in accordance with th
Page 111 and 112: In accordance with the Agreement da
Page 113 and 114: Bank for the benefit of the Bondhol
Page 115 and 116: e returned to the subscribers in 10
Page 117 and 118: Bonds may be subscribed during the
Page 119 and 120: 12. IFC• A copy of the Romanian L
Page 121 and 122: The Offer is considered successfull
Page 123 and 124: ANNEX 1Conditions of the Tranche A
Page 125 and 126: (i) the Tranche A Purchaser shall h
Page 127 and 128: In case of termination of the Tranc
Page 129 and 130:
(xii) a Foreign Currency Maturity G
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agenda the election of the members
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(f) the creation, issue, sale, and
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ANNEX 4Conversion Notice FormTo:BAN
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