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

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Interest expense -921,954 -897,963 -1,355,111Net interest income 934,418 996,297 754,329Fee and commission income 436,026 421,645 417,098Fee and commission expense -53,868 -46,735 -46,293Net fee commission income 382,158 374,910 370,805Net income from financial 111,613 118,969 143,201operationsOther operating income 61,524 51,719 48,316Operating income 1,489,713 1,541,895 1,316,651Net expense with asset provisions, -315,849 -646,965 -490,784other debts and lendingcommitmentsPersonnel expenses -390,262 -373,371 -348,999Depreciation and amortization -63,787 -60,897 -68,042Other operating expenses -364,386 -306,888 -299,957Operating expenses -1,134,284 -1,388,121 -1,207,782Profit/Loss from associates 0 4,741 10,298Profit from the sale of associates- 38,596and <strong>joint</strong>ly controlled companiesProfit before tax 355,429 158,515 157,763Corporate tax expense -58,181 -24,531 -21,048Profit for the financial year 297,248 133,984 136,715Profit distributable to:The Bank’s equity holders 297,019 133,794 138,323Profit distributed to noncontrolling229 190 -1,608interestsProfit for the financial year 297,248 133,984 136,715Basic earnings per share 0.1840 0.0801 0.1038Diluted earnings per share 0.1840 0.0801 0.1038The financial statements included in the Consolidated Profit and Loss Account, for thefinancial year ended 31 st December have been audited.Consolidated statement of financial positionFor the financial year ended 31 December2011ThousandLei2010Thousand Lei2009Thousand LeiAssetsCash and cash equivalents 4,550,256 3,701,125 3,186,997Placements with banks 778,977 1,237,155 1,535,9158
Page 10 and 11: The financial statements included i
Page 12 and 13: Since December 31, 2011, the last a
Page 14 and 15: deemed payment of any Bond arising
Page 16 and 17: Method of payment: principal and in
Page 18 and 19: • No Credit Rating of the Bonds
Page 20 and 21: the Bank for the benefit of the Bon
Page 23 and 24: DEFINITIONSThe following terms with
Page 25 and 26: www.euribor.org“EGMS”“Event o
Page 27 and 28: such funds;7. traders;8. other inst
Page 29 and 30: Bonds”“Shares”“Spot Exchang
Page 31 and 32: 3.SELECTED FINANCIAL INFORMATION3.1
Page 33 and 34: Other liabilities 255,384 177,114 1
Page 35 and 36: in 2010 they increased by 1% as com
Page 37 and 38: TURNOVER(million lei)2011 2010 2009
Page 39 and 40: 5 years 72 34 38 36 25 11 199%Total
Page 41 and 42: 4. RISK FACTORSA section entitled
Page 43 and 44: amended and new laws enacted to com
Page 45 and 46: the trading portfolio, under the ci
Page 47 and 48: undergone significant changes over
Page 49 and 50: them to the Issuer against any amou
Page 51: Risks related to the SharesTaking i
Page 54 and 55:
odies have already made firm commit
Page 56 and 57:
Therefore, compared with 2010, the
Page 58 and 59:
Table 4. Foreign equity capital of
Page 60 and 61:
usinesses, as well as corporate seg
Page 62 and 63:
BT Asset Management SAI SAThe compa
Page 64 and 65:
The Bank’sORGANIZATIONAL STRUCTUR
Page 66 and 67:
Entities of Banca Transilvania Fina
Page 68 and 69:
9. BODY OF ADMINISTRATION, MANAGEME
Page 70 and 71:
Mr. Radu Danut Palagheanu was born
Page 72 and 73:
occupied the position of Corporate
Page 74 and 75:
present, the Audit Committee consis
Page 76 and 77:
EMC members are responsible for the
Page 78 and 79:
The Technical Committee for Operati
Page 80 and 81:
The structure of the Credit and Ris
Page 82 and 83:
2010 and 31 December 2009 consist o
Page 84 and 85:
Fair values gains/(losses) from -15
Page 86 and 87:
Consolidated statement of changes i
Page 88 and 89:
incorporation of share premiumIncre
Page 90 and 91:
Net cash from/(used in) operating -
Page 92 and 93:
Fee and commission income 358.371 3
Page 94 and 95:
The Shares of the Bank are nominati
Page 96 and 97:
16. DOCUMENTS ON PUBLIC DISPLAYThro
Page 98 and 99:
The Bonds are securities which will
Page 100 and 101:
If any Interest Payment Date would
Page 102 and 103:
In compliance with the NBR subordin
Page 104 and 105:
the Issuer, then such will be the o
Page 106 and 107:
to BVB If a Bondholder elects to ef
Page 108 and 109:
to the Bonds and voting procedures
Page 110 and 111:
Non-resident investorsNon-resident
Page 112 and 113:
the close of the Pre-emptive offer
Page 114 and 115:
On the Allocation Date the Tranche
Page 116 and 117:
attempted protection or enforcement
Page 118 and 119:
and)- Authorization in original for
Page 120 and 121:
Allocation MethodDuring the Pre-emp
Page 122 and 123:
y Mr. Rares Nilas, General Manager,
Page 124 and 125:
(c) the Tranche A Purchaser shall h
Page 126 and 127:
other document required or permitte
Page 128 and 129:
ANNEX 2A - UndertakingsThe followin
Page 130 and 131:
Provided that these indemnities can
Page 132 and 133:
Annex 2B - RepresentationsThe Bank
Page 134 and 135:
ANNEX 3Audited consolidated financi
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BANCA TRANSILVANIA S.A. Romanian joint-stock company ...

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