Dosar de practica realizat la Banca Comerciala Banca Transilvania
CUPRINS:
CAPITOLUL I
3
1. SECTORUL DE ACTIVITATE
3
2. ISTORIC
3
3. OBIECTUL DE ACTIVITATE
8
4. SEDIU. FILIALE. PUNCTE DE LUCRU
9
5. DOTARI TEHNICE. INFORMATIZARE
10
6. MANAGEMENTUL ORGANIZATIEI
12
. EV EVOLUTIA PR PRINCIPALILOR IN INDICATORI
1
CAPITOLUL II
19
1. PIATA ORGANIZATIEI
20
2. CONSUMATORI. CLIENTI
23
3. OFERTA ORGANIZATIEI
23
4. DIMENSIUNI SI STRUCTURA PIETEI. DINAMICA.
CO CONCURENTA
31
CAPITOLUL III
36
1. STRATEGII! PRET. PRODUS. MAR"ETING
36
2. SITUATIA ECONOMICO#FINANCIARA
39
3. BANCA BANCA TRANSI TRANSILVA LVANIA NIA $ PERSPE PERSPECTI CTIVE VE DE VIITOR VIITOR 41 SINTEZA SI CONCLUZII
43
2
SECTORUL DE ACTIVITATE BANCA BANCA TRANSI TRANSILVA LVANIA NIA %&'% %&'% () *+(, *+(, -)/) -)/)/ /++ )'%* )'%*+/' +/' +/) +/)%& %& )-) )-)'/' '/' ) T+/)&/)/ ( /''/' 7%7/'% 7&')' %)'+ 7% C+,+/'% & R%'/ B/))* ,%)'+( / -%+ &%+ 7% /'/'%. C( &%7( %)'+/ ) C(#N/,/ BANCA TRANSILVANIA / )%,(' &/ &% 7%:'% / ;/)/ //. I) ', &#/ )')(/' %<')7%+%/ '%+'+// %))7 /&'-% ) &,+)( %)'+ ( +%'%/ -+/'/ /( 7) ,%&'% 80 7% ()'/' ,%+/')/% 7)'+% /+% /+% ,/+'% &()' 7%+):/'% & &'/)7/+7:/'% )-+ ) 7%)''/' 7% +,+/'% /)&/'/ ) 2003. A( -&' ,%%)'/'% 7(/ ) ,+),/% 7% /-/%+ +,+/'% & +%'/ ;/))* %%/ % ,%+'% /;+7/+% 7-%+%)'/'/ / ,%'%. P+7(&%% & &%+% -%+'% ,+) )'+%/*/ +%'%/ 7% &((+&/% & /*%)' /( -&' /7/,'/'% ,%+/)%)' %+%+ /&'-% )/' &/ /;/ () *+/7 /< 7% /'+/''/'%. A')/+( &%)-/' / BT %&'% B/)/ E(+,%)/ ,%)'+( R%)&'+('% & D%:'/+% =BERD> =BERD> 7%') 7%')/)7 /)7 15? 7) /,'/ /,'/( ( &/ &/ / BANCII BANCII TRANSI TRANSILVA LVANIA NIA.. A%&' A%&' /&,%' /&,%' +%,+%:)'/ +%()/&'%+%/ %-%)'% /'(/% / ;/) 7/+ & )+%7%+%/ ) +%:('/'%% '/+%. I) /)( 2003 / -&' )&7/' GRUPUL FINANCIAR BT ) /7+( /+(/ BANCA TRANSILVANIA %&'% ,%&/ %)'+//. C%%/'% ,/) ) /+% &#/( -/(' )%&'' 7% /,'/ &()'! BT D+%' BT L%/&)* BT S%(+'%& & SAR T+/)&/)/ -%+)7(#&% /&'-% ,% ,/'/ &%+ -)/)/+% )'%*+/'%. B/)/ T+/)&/) T+/)&/)// /+% & ) ) &(;#;+/) &(;#;+/)7#(+ 7#(+! ! BT C/-@ C/-@ BT G- C(, A/7%/ BT C(( A+% S(-%' & C(;( I)'+%,+):/'+(( R/). D)'+% /%&'%/ ,+%'( /+% &#/ ;((+/' 7% % / /+% &(%& %&'% BT C/-@ ,+/ /-%)%/ ;/)/+/ 7) R/)/. B/)/ 7%')% ,/'+( /&'-% 7% /' $ ) B((+%&' C(#N/,/ C)&'/)'/ & T&/+/. C( () /)/*%%)' )'%+)/')/ BT %&'% /( ;/)/ -%<;/ & 7%+)/ &()%/ % -)7 /%%/ 7% / /&*(+/ +/)7/%)'% &(,%+/+% /')/++ &/ & 7% / ,:')/ %)'( ) %)'+( ,+%(,/++ &/%.
ISTORIC BANCA TRANSILVANIA / -&' )-)'/'/ ) 7%%;+% 1993 ) C(#N/,/ / )/'/ ()+ /%) 7% /-/%+ (%) ( () /,'/ &/ 7% 2 /+7% % 7) /+% 9? +/) & 21? &'+/). B/)/ / 7%%)' ,%+/')// ) 16 -%;+(/+% 1994 ,+) 7%&7%+%/ 3
&((+&/% 7) C(#N/,/. S()' &'/;'% ,+%% +%/' 7% +%&,)7%)' ;/)/+ &% ,() ;/:%% &&'%(( )-+/' )-+/' & 7% ()/' /+% )%'/+%/ / &&'%%% REUTERS & SIFT.
1995
A+% ,+/ /+/+% 7% /,'/ / 203 /+7% % -)7 7%&&% '+% &((+&/% ) /*%)'% & () ,()' 7% &; /('/+ .
1996
S()' 7%&&% &/,'% &((+&/% ) & 7(/ /*%)'. B/)/ / )'+7(& +%7'%% ,%)'+( ,%+&/)% -:% & # %<,%+%)'/ # &%+( '%%-) V% T%%+.
199
C/,'/( &/ %&'% /+/' / 263 /+7% % &()' 7%&&% ) ) &((+&/% & )(/ /*%)'%. A( -&' /)&/'% %+'-/'%% 7% 7%,:' ( 7&()' & / -&' )'+7(& &%+( 7% ,/'/ / &//+ &//+++ ) )'. )'. I) /%&' /) BANCA TRANSILVANIA TRANSILVANIA / 7%%)' ,+/ ,+/ &%'/'% &%'/'% ;/)/+/ ;/)/+/ '/'/ / B(+&/ 7% V/+ B((+%&'. B/)/ / ,+' ,+%( +%&'% P/'/ F)/)/+/ ,%)'+( C% / ;() ,+7(& ;/)/+ / /)(( 199.
1998
A( /(' 7(/ /+/+ &(%&% 7% /,'/ / 391 /+7% % & $ +%&,%' # 50 /+7% %. B/)/ / -&' '/'/ / ,+/ /'%*+% / B(+&% 7% V/+ B((+%&' & /7%%)' %;+( VISA & E(+,/. A )%,(' ,+%&( 7% ,%%)'/+% / ()( &&'% 7% ,/' ,+) /+7(+.
1999
C/,'/( &/ &#/ /+/' / 100 7. % /+ %<')7%+/ +%'%% '%+'+/% / )')(/'.
2000
C/,'/( &/ &#/ /+/' / 13696 7. % & &#/( %& ,+%% /+7(+ ) 7/'/ 7% 24 /+'%. I) ;/:/ /+7(( &%)/' ( B/)/ E(+,%/)/ ,%)'+( R%)&'+('% & D%:'/+% =BERD> ) 7/'/ 7% 1 7%%;+% 1999 / 7%/+/' ) ()/ / ,+*+/( 7% -)/)'/+% %<'%+)/ ,%)'+( IMM#(+ ,+) &((+&/%% BANCII TRANSILVANIA. S#/ &%)/' ( -+/ ")7% B/))* S&'%& =%;+/ / G+(,(( MISS> )'+/'( ,%)'+( /:')/+%/ )(( &&'% )-+/'. A%&'/ ,%+'% 7%+(/+%/ )#)% / '('(++ ,%+/'()+ %-%'(/'% ) /7+( ;/) -%+)7 %)'+ /%&( %)'+/:/' / )'(+% ,+,+ +()7% +()7% ) '/+/ / &((+&/%% BANCII TRANSI TRANSILVA LVANIA NIA.. D/'/ D/'/ 7% 9 /,+ /,+%% 200 20000 +%,+%: +%,+%:) )'/ '/ /)&/+ /)&/+%/ %/ ,% ,/'/ ,/'/ / /+7( /+7(( ( VISA VISA E%'+) G;/ %& 7% BANCA TRANSILVANIA. •
I) 7/'/ 7% 25 / 2000 BANCA TRANSILVANIA / ,+' ,+%( J C%/ / ;()/ ;/)/ ,%)'+( IMM#(+ IMM#(+ K /+7/' 7% /'+% B(/+%&' B(/+%&' B(&)%&& %%. %%. T' ) ()/ / / 4
-&' /+7/' ,+( +%7' BERD ) ;/:/ ,+*+/(( 7% -)/)'/+% %<'%+)/ / IMM# (++. •
I) 7/'/ 7% 5 7%%;+% / -&' 7%%+)/' ,+%( JB/)%+( /)(( K ,+%&%7)'%( BANCII TRANSILVANIA 7% /'+% +%&'/ J P/'/ F)/)/+/ K.
•
L/ 7/'/ 7% 18 7%%;+% /.. &#/ &%)/' / &%7( BANCII TRANSILVANIA () /' /7')/ ( BERD ,'+' /+(/ # 7% / /%/&'/ 7/'/ # &% /+7/ +%7'% & ) EURO.
•
I) /)( 2000 )'+/ ) -()'()% 5 ) &((+&/% ! Z)/ L;%+/ G(+*( F&/) S-/)'( G%+*% P/'+/ N%/' & A;/ I(/.
•
I) /)( 2000 / -&' %<')& ,/+'%)%+/'( ( C';/) ,+) /)&/+%/ ()( ,/%' () 7% &%+ ;/)/+% ,% ,/'/ +/)%/&/ =)(& '/<% ,%)'+'( :% # C/)/7/ G%+/)/ B+/:/>.
•
2001
A -&' /)&/' D%,:'( /)%+&/+ ( 7% 7%,:'% J A)',(+ K # ,% '%+%) 7% 45 7% :% )(/ %&()% 7% %+'-/'% 7% 7%,:' ))/'% ) % & ) /('/ () )( ,+7(& ;/)/+ J C)'( E&+ K 7%,:'( EURO # 2002.
•
BANCA TRANSILVANIA / )%,(' &/ (':%:% ) )'+%*/ '/+/ 7/'/'%/ 7% / '+/)&-%+/ ;/) ,+) &%+( %&'%+) U))
•
D/'/ 7% 0.09.2001 / )&%)/' /,+;/+%/ ) AGA / )'+/+ B/) E(+,%)% ,%)'+( R%)&'+('% & D%:'/+% / /')/+ &%)-/' # 15? 7) /,'/( &/ /+/' / BANCII TRANSILVANIA.
•
09.10.2001 # &%)/+%/ /+7(( ,+)7 )'+/+%/ BERD / /')/+ &%)-/' / B/) T+/)&/)/ # ( ,+%&/ 7% /+/+% / /,'/(( &/ / 396160 7. L%
•
S#/( %<')& &%+% ;/) # /&&(+/)% ,+%()/ ( SAR T+/)&/)/.
•
L/)&/+%/ ,/'+ ) /('/ ,+) &&'%( % ;/))* BT#U'+/. A/)'/( /%&'+/ %&'% / %&/( &-' -)/ /()*% ,+) &&'% / 7( %)'(( ,%)'+( &'/+%.
•
I) 7/'/ 7% 18.12.2001 B/)/ T+/)&/)/ / -&' 7%&%)/'/ ) /7+( %+%)% 7% 7%%+)/+% / ,+%+ O&/+ C/,'/ # B/)/ # A)(( 2001
•
C/,'/( &/ &% /+%/:/ / 396160 7. L%.
•
2002
N(+%/ ( R;%+' C. R%%+& ) -()'/ 7% D+%'+ G%)%+/ / BANCII TRANSILVANIA
•
I,%%)'/+%/ ()% ) &'+/'%* / ()( )( /)/*%%)' ( )( 7+%' 7% /'()%. 5
•
L/)&/+%/ /+7(( M/%&'+ D+%' VISA B(&)%&& & / &%+(( 7% I)'%+)%' B/))* BT N%'.
•
M/+/+%/ /,'/(( &/ / 696854 7. L%
•
M/+/+%/ /,'/(( &/ / 13089 7. L%
•
I) ()/ ';+% B/)/ T+/)&/)/ / ,+' ( /:/ /+7/+ ,+%+ ,+% /% ,%'% 7% /,/ 7) R/)/ 7% /'+% RASDA ANSVM P+%( ,%)'+( % / '+/)&,/+%)' %'%)' # &%'()%/ BVB & P+%(( ,%)'+( % / 7)/ %'%)' 7) ,()' 7% %7%+% / 7%:'/+ ,/)% # &%'()%/ BVB.
2003
•
R%/)&/+%/ ) 7%)''/' +,+/'% / BANCII TRANSILVANIA
•
I)/(*(+/+%/ %% 7%#/ 4#/ ()'/' BT A*%)'/ V'+/ # B((+%&' =13 /)(/+% 2003>
•
D%&7%+%/ S((+&/% T/+*&'% =19 -%;+(/+%>
•
S%)/+%/ ()( /+7 7% -)/)'/+% ) //+% 7% 10 . USD ( F)7( O/)7%: 7% F)/)'/+% ,%)'+( D%:'/+% =FMO>
•
)(/ ()'/'% BT # A*%)'/ T/+*(#M(+%& =1 /,+%>
•
I)'/++%/ '% 7% ,/'/ ) T+/)&/)/ ,+) 7%&7%+%/ ) ()/ /,+% / A*%)'% Z++ =C(#N/,/ # 8 /,+% 2003> & / %% 7) C/,/ T(+: =C( # 15 /,+% 2003>
•
BANCA TRANSILVANIA / 7%,/&' ,+/*( 7% 100 000 7% /+7(+ VISA
•
R;%+' C. R%%+& 7+%'+( *%)%+/ / BANCII TRANSILVANIA / ,/+',/' / A7()/+%/ A)(// / B/) E(+,%)% ,%)'+( R%)&'+('% & D%:'/+% E7'/ / II#/ =T/&%)'U:;%&'/)>
•
D%&7%+%/ A*%)'% S%;%& =29 / 2003>
•
O;')%+%/ 7) ,/+'%/ BERD#()( / ()% ) ) 7% -)/)'/+% ) //+% 7% 5 . USD =5 ()% 2003>
•
D%&7%+%/ A*%)'% M/)*// =13 ()% 2003> & )/(*(+/+%/ /'% ) /+% / -()')/ S((+&// C)&'/)'/ =16 ()% 2003>
•
I)'/++%/ ,+%:%)'% BT ) S;( ,+) 7%&7%+%/ A*%)'% M%7/& =19 ()% 2003>
•
I) (% /( /(' (+/'/+%% )/(*(+/+ $ A*%)'/ M/+/&' C( =1.0.2003 A*%)'/ A+/7 =23.0.2003> A*%)'/ S;( =29.0.2003> A*%)'/ G+*+%&( =31.0.2003>
•
•
M/+/+%/ /,'/(( &/ / 90.863.164.000 % )(/ /*%)'% ) M(+%& %/ 7% / 7(/ 7) /%&' /) # A*%)'/ R%*) =2.08.2003> 6
•
S((+&// O+/7%/ &#/ ('/' ) /&/ )(/ B#7( D// )+.43 =10.09.2003>
•
O+*/):/+%/ C+&(( N/')/ / BANCII TRANSILVANIA # %7'/ / I#/ =5.10.2003>
•
I)/(*(+/+%/ A*%)'% B+/& =6.10.2003>
•
BT %&'% ,+%:%)'/ & ) (7%'( H/+*'/ ,+) 7%&7%+%/ S((+&/% M%+(+%/ C( =.10.2003>
•
O+*/):/+%/ %%)%)'(( G- C(, BANCA TRANSILVANIA BT -)7 &)*(+/ )&''('% ;/)/+/ 7) R/)/ /+% / &,+)' /&'-% 7% /)-%&'/+% =11.10.2003>
•
R%'%/(/ '%+'+// / BT / /()& / 63 7% ()'/' ,+) 7%&7%+%/ A*%)'% P%&' =23. 10.2003>
•
BANCA TRANSILVANIA %&'% ()( 7)'+% ,/+'%)%+ ,+),/ / )-%+)'% E(+,%/) U)%+&' A&&/') =EUA> %7'/ / V#/ /+% /+% ) ,+%%+/ ) C(# N/,/ =23#26.10.2003>
•
O;')%+%/ %)'% ,%)'+( /%,'/)'/ /+7(++ VISA / POS#(+% %+/)'+
•
I)/(*(+/+%/ A*%)'% R/7/(' =18.11.2004>
•
BANCA TRANSILVANIA / /)&/' % 7%#/ 7%/ /+7 #;+/)7%7 VISA E%'+) ,+%()/ ( +*/):/'/ EUROQ26 =24.11.2003>
•
I)'/++%/ ,:'% ,% ,/'/ 7) C)&'/)'/ ,+) )/(*(+/+%/ A*%)'% D// =28.11.2003>
•
D%&7%+%/ ) C+// / 7(/ ()'/' # A*%)'/ A.I.C(:/ & A*%)'/ F+/' G%&' =16.12.2003>
•
R%'%/(/ '%+'+// / /()& &/ )(%+% 0 7% ()'/' ) )'+%/*/ '/+/ ,+) 7%&7%+%/ A*%)'% A%&7 # B+ =1.12.2003>
•
I)/ ()'/'% ) B((+%&' # A*%)'/ M/++'' =19.12.2003>
2004
•
I)/(*(+/+%/ ,+% ()'/' 7) /%&' /) A*%)'/ T& # C)&'/)'/ =21.01.2004>
•
I)/ 7(/ ()'/' ) # A*%)'/ C/+% =18.02.2004> & A*%)'/ B// M/+% =19.02.2004>
•
S((+&// S;( &#/ ('/' ) /&/ )(/ =11.03.2004>
•
D%&7%+%/ A*%)'% M/*%+( # B((+%&' =16.03.2004>
•
I)'/++%/ ,:'% ) B+ ,+) )/(*(+/+%/ A*%)'% C%)'+( # O+/7%/ =19.03.2004>
•
D(/ ()'/' ) ) S/'(#M/+% A*%)'/ C/+,/' & A*%)'/ U) =31.03.2004>
•
I)/(*(+/+%/ A*%)'% S*%'(#M/+/'% =21.04.2004>
•
I)'/++%/ ,:'% BT ) S#E '/+ ,+) 7%&7%+%/ / 3 ()'/'! S((+&// B+// =28.04.2004> A*%)'/ D%'/ # G//' & A*%)'/ T*)/ # G//' =29.04.2004>
•
D(/ ()'/' BT &#/( ('/' ) /&/ )(/ # S((+&// D% =3.05.2004> & S((+&// P'%&' =6.05.2004>
•
BANCA TRANSILVANIA 7%')% 9 ()'/' ) B((+%&' ,+) )/(*(+/+%/ S((+&/% M'/+ =14.05.2004>
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D%&7%+%/ A*%)'% B/ # C( =20.05.2004>
•
BANCA TRANSILVANIA & )'/+%&'% ,:'/ ) (7%'( N%/' ,+) )/(*(+/+%/ A*%)'% R/)=25.05.2004>
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D%&7%+%/ S((+&/% T/+*(#( ()'/'%/ BT ( )(/+( 85 =26.05.2004>
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T+% ()'/' ) ) (7%'( A+/7 # A*%)'/ V/(#A+/7 =1.06.2004> A*%)'/ N/7/ =2.06.2004> & A*%)'/ C&)%(#C+& =3.06.2004>
OBIECTUL DE ACTIVITATE D%&7%+% 7% )'(+ (+%)'% & )'(+ 7% 7%,:' ) % & ) /('/ %-%'(/+%/ 7% )/&/+ & ,/' ,+) /%&'% )'(+ /+7/+%/ 7% +%7'% ) % & /('/ %'%+%/ & ,++%/ 7% %(+ &/( 7(%)'% 7% ,/'/ /%,'/+%/ 7% %-%'% 7% %+' & %-%'(/+%/ 7% ,%+/'() 7% &)' %-%'(/+%/ 7% ,%+/'() 7% ,/&/%)' &(;&+%+% *%&')/+% & 7% ,/&'+/+% 7% ''(+ & /'% /+ %'. P+),/%% &%+ -%+'% %)'+ &()'! *// /+*/ 7% 7%,:'% =-%<; ( 7;/)7/ - %+'-/'% 7% 7%,:' ( 7&()' %(+ 7% //'+% ;/)/ 7% 7%)'/+% 7%,:'/+ & /*%)' (&'7% ,%)'+( /+ ;/+% '+/):/')/'% ,% R/&7/ ;/)/ 7% 7%)'/+% ,%)'+( '+/):/'% %-%'(/'% ,% B(+&/ 7% V/+ '+/):/' )'%+)/')/% &+&+ 7% */+/)'% )&('/)'/ -)/)/+/ *// 7%+&-/'/ 7% /+7(+. B/)/ T+/)&/)/ %&'% &'+('(+/'/ ,% ,/'+( ) 7% /-/%+! +%'/ IMM +,+/'% & D:/ ,%)'+( M%7. A&'-% ;/)/ &#/ -+/' %,% &,%/:/'% & () ,+'-( ,%< 7% ,+7(&% & &%+ ,%)'+( / &(&')% 7%:'/+%/ /%&'+ '+% 7+%'. B/)/ T+/)&/)/ /+% /,+/,% 1.400.000 7% %)' /'. A+'%'(+/ 7% ;+/)7 / B/) T+/)&/)/ (,+)7% & /+% %+/% /% &(;&7/+%+ G+(,(( F)/)/+ BANCA TRANSILVANIA! BT A&&%' M/)/*%%)' S.A.I. S.A. BT D+%' BT I)%&'%)'& BT L%/&)* & BT S%(+'%&. D% /&%%)%/ ;/)/ /+% ) 8
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9
E,/ B/) T+/)&/)/ %&'% -+/'/ 7) /,+</' 6.000 7% /)*//' /+% ,/+'/&%& ('(+/ +*/):/')// & /+% BT %-+'(+% + -)7 /)/:/'% ) (+( /%(/& ;%'! /'/'%/ () + ,%)'+( ('(+%/ %)'+. DOTARI TEHNICE. INFORMATIZARE S&'%( )-+/)/ ;/)/+ W 7/'X% 7% /('/':/+% /% ,%+/()+ ;/)/+% &()' ,+%:%)'/'% ) %% % (+%/:/. D/'%% /+% &'/( / ;/:/ S&'%(( I)-+/' ;/)/+ /( / &(+&% %7%)/ ,%+/'X %7%)/ &'/'&'X W %7%)/ )'/;X ,+,+% ;X)+ Y' W %7%)%% %)+ /%&'+/ ) /'/'% 7% ''(/+ 7% )'(+. P+%(+/+%/ W ,+%(/+%/ ) &&'% )-+/' ;/)/+ / 7/'%+ ,' - &'+('(+/'% 7(,X / ('% +'%+! 7) ,()'( 7% %7%+% / gradului de prelucrare &% ;&%+X )-+/ ;/)/+% %%%)'/+% $ &% /+/'%+:%/:X ,+) -/,'( / ,+%:%/:X /&,%'( 7+%' X&(+/; =%<.! )(%+/+( )/&/' &/( ,X''> W )-+/ ;/)/+% ,%<% $ /+% +%:('X 7) ,+%(+/+%/ 7/'%+ ,+/+%. A%&'% )-+/ ,' - 7%-)'% &/( )'%+%7/+%. D(,X modul desfăşurării operaţiunilor )-+/% ;/)/+% ,' -! )-+/ ,%+/'% /+% %7%)/:X &'/+%/ (+%)'X W -/'%/:X ,&;'/'%/ (+X++ 7+%'% / %7%)% /''X ;/)/+% )-+/ ,&',%+/'% /+% &% /)-%&'X 7(,X %-%'(/+%/ ,%+/+ ,% /+% % +%-%'X &/( )-+/ ,+%:)/% /+% &% +%-%+X / ,%+/()% % &% + ,+7(% ) '+ W &% (':%/:X ( ,++'/'% ) /''/'%/ 7% ,+*+//+% ;/)/+X. O+*/):/+%/ ,+%(+X++ )-+/'% ) /7+( &&'%%+ )-+/'% ;/)/+% )&'X ) '+% /'%*+ 7% ,+%7(+! Procedura de început de zi &% %<%('X /('/' W )&'X ) )/:/+%/ -W%+%+ (':/'% ) ',( :% 7% X'+% &&'% 7(,X /%/&'X -/:X +%'%/(/ 7% %,/%)'% %&'% ,(&X / 7&,:% (':/'+(( ,%)'+( / (+/ ,+) )'%+%7( '%+)/%+ / 7-%+'%% /,/ /% &&'%((. Procedura destinată utilizatorilor în cursul unei zile $ &% 7%+(%/:X ,% ,/+(+&( ,+*+/(( 7% (+( ( %). U':/'+( =(+X'+( 7% *W%(> ,/'% )+%*&'+/ ) ', +%/ '/'% ,%+/()% ;/)/+% /+% &()' +%,/+':/'%. A,/% %-%'(%/:X '/'% )'+/%% /&*(+Y)7 )&&'%)X 7/'%+ )+%*&'+/'% (':/'+( ;)Y)7 /&'-% ) +% %)' &'/+%/ ,%+/() = )'(( %)'(( +%-%'/+%/ ) )'/;'/'%>. Procedura de sfârşit de zi - +%/:%/:X '/'% ,+%(+X+% 7%'%+)/'% 7% ,%+/() 7) ',( :% W %7'%/:X +/,/+'% /+% +%-%'X )-(%)%% ) )'/;'/'% = ;//)% (+)/% 7% /''/'% %<'+/&% 7% )' &'% 7% &7(+ &'(// 7;Y):+ &'(// &/)%+>. D% /&%%)%/ &% %-%'(%/:X )'+/% /&(,+/ ;/:% 7% 7/'% /% &&'%(( W &% &/%/:X ,+*+/%% W 7/'%% ,% &(,+ 7% /+/+% ( 7(+/'X 7% //;'/'% 7% 5 /).
10
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7%+&% ,%+/'() & / )'+:/ %)'%/ /+)7/'/ -%/+% /*%)' &((+&/%. T' ,+) /%&'% -&%+% &% ,' ;')% / -)/( :% +/,/+'% *%)%+/'% ,% ',(+ 7% ,%+/'() +/,/+'% 7% &(,%+:/+ & %+-/+ %)'+/:/'/+% ,%)'+( 7%+&% /'() &'% ,+,(&% ,%)'+( )'+:/+ & /'%%. U)'/'% ;/)/+% ,%+/'% 7) &'+('(+/ +*/):/'+/ / B/) T+/)&/)/ =/*%)' &((+&/% %)'+//> /( /&'-% ,&;'/'%/ &/#& '+/)&'/ )-+/'% +%,+ ) %*/'(+/ ( ,%+/'()% ,+)7 7%)'/+% )'+/ & )'%+;/)/+% &/( ,+%(/+% ()+ &7(+ -&)7(#&% 7% %,/%)'%% %%'+)% 7% '%%'+/)&&% & '%%,+%(+/+%. A%&'% -/'/' ,%+' / ;()/ +(/'% / -(<(++ ;/)%&' & ''7/'/ / +/,7/ 7&,);:/+% / ''(/++ 7% )'(+ /+% /( 7% %-%'(/' 7-%+'% ,%+/'().
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12
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7% /&X )/&X+ W ,X %7%)/ )'/;X +%7'/+%%'> /)*/%/:X ,+%/:X W )%7/:X ,%+&)/( 7% )7(%+% 7) ()'X% &(;+7)/'%. P+),/%% /'+;( /% ,&'(++ 7) /7+( /*%)% / /+% / -/(' ,+/'X &()'!
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7%:'X +%/ 7+%'% ( %) ,% /+% /( ) ,+'-( Y)7 ,+7(&%% W &%+% ;X) )&/:X %) 7) ,+'-( -7%:%/:X %) ,+) /'/'%/ ,+7(&%+ W &%++ -%+'% +%7/'%/:X +/,/+'%% 7% /''/'% W ,+'-% %)+ (+X+%& &7(+% W ,%+/% %-%'(/'% 7% /%W'/. Consilierii clientelă persoane fizice
Consilierii clientelă persoane uridice 7%:'X +%/ 7+%'%
( %) 7) ,+'-(! Y)7 W /+7X )&%+% ( ,++% / ,+7(&%% W &%+% ;X) )&/:X %) 7) ,+'-( -7%:%/:X %) ,+) /'/'%/ ,+7(&%+ W &%++ -%+'% +%7/'%/:X +/,/+'%% 7% /''/'% W ,+'-% %)+ (+X+%& &7(+% W ,%+/% /'(/:%/:X 7&/+%% &()%/:X +%//% ) /;+/+% ( %%/'% &%+ /% ;X) ,%)'+( /+ %) =CORP> +%/:%/:X %)'+/:/+% /)/+% +7)/+%/ +%/+ %+/% ) /;+/+% ( /)&/;( &%++ W ()'X+ :/'%.
Consilierii !ancari retail
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D+%% ;X) /( 7%+&% /'+;( ) -()% 7% ;%'( ,% /+% /7)&'+%/:X. "irecţia de creditare +*/):%/:X /''/'%/ 7% +%7'/+% ,% /)('% +'%+! '%+%)% 7% +/;(+&/+% 7%&')/% &%'+( 7% /+% /*%)'( %) /,/+)% +%&,%' 7% &'/' &/( ,+/' ,+*+/%/:X 7%)&)%/:X 7+%/:X /&/ )%'/+X W / +%7'(( ,% '%+%) &(+' %7( W ()* ,%)'+( &%'+( 7% &'/' &/( ,+/' /)/:%/:X %+%+% 7% +%7'/+% % 7%,XW%& ,%'%)/ ()'X+ '%+'+/% 7) &(;+7)% )'%W'% 7(%)'/% 7% +%7'/+% /,+;X +%7'%% 7) ,%'%)/ + W -/ ,+,()%+ +*/)%+ 7% )7(%+% /% ;X) ,%)'+( /,+;/+%/ %+ % 7%,XW%& ,%'%)/ + (+X+%& )7+(X W )'+%/:X /''/'%/ 7% +%7'/+% / ()'X+ '%+'+/% 7) &(;+7)% /)/:%/:X %(/ )7/'++ ;/)/+ ) &'+Y)&X +%/% ( /)/:/ )7/'++ %) W -)/)/+ / /*%)+ %) ,% /+% +%7'%/:X ,% ;/:/ /%&'+ /)/:% %-%'(Y)7 ,+,()%+ ,%)'+( ;()X'X+%/ /''X 7% +%7'/+% -)/)/+% W 7%)'/+%. P%)'+( ;%)%-/+ 7% +%7'% /+% &% /-X ) )/,/'/'% 7% ,/'X ,+,()% X&(+ 7% +%(,%+/+% / -)7(++ ,+) +/;(+&/+%/ +%7'%+ W )/7+/+%/ ) ,/-/)%% &'/;'%. "irecţia strategii şi studii +X&,()7% 7% /''/'%/ 7% /)&/;( ,+)7 +%7'/+%/ W 7%)'X+% )'%W'% ,%+7 ,/)(+% 7% +%7'/+% W % &(,()% /,+;X+ )7(%+ )'%W'% ,%+7 +/,/+'% +%-%+'/+% % %<%('/+%/ ,+*+/%+ 7% +%7'/+% ,+%( W / ,+),/%% /&,%'% %*/'% 7% /+7/+%/ W +/;(+&/+%/ /%&'+/ -+(%/:X ,% ;/:/ /)/:%+ %-%'(/'% ,+,()%+% ,+)7 ,'/ 7;Y):+. "irecţia de relaţii internaţionale )'%W'% W )%*/:X ,+%'%% 7% /+7(+ 7% ,X W ,%+/+% %)X -)/)/+X W 7% +%7'/+% )%/'% ,+) )'%+%7( ;X) ( /'% X+ W (+X++%/ 7(( 7% 7%+(/+% / /%&'+/ )'/'%/:X ;X)% +%&,)7%)'% ,%)'+( ,+;%% ,+)7 7%+(/+%/ /+7(++ 7% ,X W ,%+/+% %)X %-%'(%/:X /)/:% )()'(+/% W 7% ,%+&,%'X ,% ,%%% )%'/+% )'%+)/)/% /)/:%/:X )%*/:X W /)*/%/:X ) 7% +%7'% ;/)/+% %<'%+)% %/(%/:X %+%+ 7% +%7'% ;/)/+% ) /('X &'/'% 7% 7%+W %) W ,+,()% /+7/+%/ /%&'+/ /)/:%/:X W 7(,X /: 7-X +%%/(/ 7% +%&,)7%) ;/)/+. "irecţia e#idenţă operaţii e$terne: /&*(+X W +X&,()7% 7% ,+%(+/+%/ 7(%)'%+ ,+'/+% / %<,+'( W ,+'( 7% X+-(+ W ,+%&'X+% 7% &%+ 7) W ,%)'+( &'+X)X'/'% /% /*%)+ %) )&''(+ W /'+ ,%+&/)% (+7% /&*(+X /''/'%/ 7% 7%+(/+% / ,%+/()+ 7% 7%)'/+% ( &'+X)X'/'%/ ) -//+%/ ,%+&/)%+ -:% &/( (+7%. "irecţia de trezorerie /)/:%/:X W ,+&,%'%/:X ,&;'X% W )7% 7% /&*(+/+% / +%&(+&%+ 7% +%7'/+% /% ;X) )%*/:X W ,+,()% )'+/'/+%/ 7% +%7'% ,% ,// 16
)'%+;/)/+X W ,/+',X / '/% +*/):/'% 7% BNR ,%)'+( ;)%+%/ 7% +%7'% 7% +%-)/)/+% &'/;%W'% ,+*):%% 7% '+%:+%+% ,% 7-%+'% ,%+/7% (+X+%X'% W )-+%/:X )7(%+%/ /&(,+/ &'(/% W )%(( /'%+ W ,/&%+ ;X). "irecţia de conta!ilitate %&'% +%&,)&/;X ( +*/):/+%/ W )7(%+%/ /''X )'/;% +*/):/+%/ W %<%+'/+%/ )'+(( -)/)/+ /&(,+/ ,%+/()+ 7) /+% 7%+X 7+%,'(+ W ;*/ ,/'+)/% ,%)'+( ;/)X. D+%/ / /&*(+X )'+%/ ;/)(++ / &'(/+ ()/+% W / ;/)(( )'/; /)(/ / ;X) )'%W'% ,+%'%% ;(*%'%+ 7% %)'(+ W %'(% W (+X+%W'% ('%++ /,+;X+ + %<%(/ /%&'+/ +*/):%/:X %-%'(/+%/ W )'+( 7%)'X++ /'Y' )'+% ()'X% ;X) ,+) &&'%( 7%)'X++ )'+/;/)/+% Y' W )'+% ;/)/ +%&,%'X W /'% &%'X ;/)/+%. "irecţia conturi şi #iramente &% (,X ( +*/):/+%/ %7%)% ,%+/'#)'/;% %<%+'/+%/ )'+(( ;/)/+ /&(,+/ ,%+/()+ )'/;% %-%'(/'% ) )'(+% ''(/++ %) / ;X). "irecţia de informatică &% (,X ( )-+/':/+%/ /''X 7%:)/% 7% /)/:X ,+%'/+% ,%%)'/+% W )'+%)%+% / &(;&&'%%+ )-+/'% ) %*X'(+X ( '/'% ,%+/()% 7%+(/'% /% ;X) %<,/'/+%/ (+X++ +%&,%'% 7%:'/+%/ +%%% 7% /(/'/+% &%+%#( ,%)'+( %,/%)'( +%&,%' '%%()/% )'%+;/)/+%. "irecţia operaţiilor cu numerar şi casierie /&*(+X W +X&,()7% 7% +7)/+%/ W (+X++%/ %-%'(X+ ,%+/()+ ( )(%+/+ W /'% /+ /;+%/:X ( 7+%% 7% +7)/+% W '+%:+%+% ) %7%+%/ (+X++ W /)/:X+ -%)%)%%+ W '%)7)%+ )()'(+/% 7) &-%+/ +(/% )(%+/+(( /;+%/:X ( BNR ,/+',Y)7 / %/;+/+%/ ,+*):%+ ,+)7 ,%+/()% 7% )/&X+ W ,X / -(<(( 7% )(%+/+ 7) %)% /&*(+X +*/):/+%/ W %-%'(/+%/ '('(++ ,%+/()+ 7% /&%+% ,+) )'%+%7( ()'X+ ,%+/'% 7) &(;+7)%. "irecţia de organizare şi resurse umane %&'% +%&,)&/;X ,%)'+( &%%)/+%/ )/7+/+%/ W (':/+%/ -+% 7% ()X %;%+/+%/ &'+('(+ +*/):/'+% / ;X) %/;+/+%/ ) /;+/+% ( %%/'% 7%,/+'/%)'% 7) /7+( ;X) / ,+%'%+ W ,+*):%+ '+%&'+/% W /)(/% ,+)7 /''/'%/ ;X) ) %7%+%/ &(,()%+ /%&'+/ /,+;X+ C)&(( 7% A7)&'+/%. "irecţia administrati#ă a reţelei de în#ăţământ %-%'(%/:X &'(7 /)/:% W )-+X+ ,%)'+( /7,'/+%/ 7% ) %'7% /% &( ) %7%+%/ +7X+ )%(( /''X ;/)/+% W X+*+%/ */% 7% &%+ -%+'% ,%( W ,+%*X'+%/ W ,%+-%)/+%/ ,%+&)/(( ;/)/+. "irecţia uridică şi fiscalitate /&*(+X %*/'/'%/ ) 7%&-XW(+/+%/ /''X ;X) /,X+X )'%+%&%% ,/'+)/% W )%,/'+)/% ,+,+ /''X ;/)/+%.
ANALIZA EVOLUTIEI PRINCIPALIOR INDICATORI
1
C)-+ +/,/+'%+ ,(;/'% ) )+%*&'+/+% B(+&% 7% V/+ B((+%&' /%&'%/ &()' +%:('/'%% -)/)/+% /% B/) T+/)&/)/ %7%)'/'% ,% (' '+% /)! 2009 (RON)
2008(RON)
200 7(RON)
3.141.131.11,
3.%$$.!43.#&3,
#.&"$.1&."$%,
1.4!".#$#.$!4,
!.%4%.11$,
1.#34.$&&.44,
11."$.$%%.&&$,
11.!."&.4,
!."%1.!&$."4#,
#$%.%#4.!31,
3#.%1$.$3,
1.1&!.4$,
1#.$$3.1&3,
Imobilizari necorporale
1&.4$#.#%&.$!4,
1$.14.3#.$$&,
Total activ
1.&.%13.%!#,
#.#&!.!#".4",
Datorii privind institutiile de credit
1".#43.%!$.3##,
1#.34!.114.44,
1.!%.33$.!!3,
1."&.%&%.1!3,
1&.4$#.#%&.$!4,
1$.14.3#.$$&,
Dobanzi de primit si venituri asimilate
#.$$.#&.$"&,
1."1".#4.!$3,
Dobanzi de platit si cheltuieli asimilate
1.334.&3.1!%,
&1".!$$.3%,
Venituri din comisioane
3&".%!.3%!,
4".$"4.&3#,
Cheltuieli cu comisioane
4#.""#.13,
43.1%$.&!!,
Rezultatul activitatii curente dupa impozitare
%1.&3".3!,
Casa, disponibilitati la banci centrale Creante asupra institutiilor de credit Creante asupra clientelei Imobilizari corporale
Datorii privind clientela Capital social subscris Total pasiv
3&%.!"3.11",
Venituri totale
4.!&.&3!.,
Cheltuieli totale
4.!4.&1$.!&3,
Rezultat brut
!%.#1.31,
Rezultat net
%1.&3".3!,
$.3&%.!"", 13.!$%.!.33%, 1.4&".!#.1#!, 1."!%..#!!, %11.$&.$$, 13.!$%.!.33%, &.&!3."!%, 4"&.%%#.441, 33.31%.$!1, 3#.43.&!#, 33&.&$1.43%,
'
,
,
Rezultatul activitatii extraordinare dupa impozitare
#$!.#".1$3,
4.#&3.44.$"$, 3.!#3.%&.1$&, 4$.3$1."$!, 3&%.!"3.11",
'
#.$%.#%"."$&, #.33.11&."41, 43.14%.3$, 33&.&$1.43%,
'
'
A)/:/ +%:('/'%+ ;')('% ) /)( 2009 %-%'(/'/ ,% ;/:/ &'(/'+ -)/)/+% %/;+/'% ) )-+'/'% ( ,+%%7%+% O+7)( BNR )+.132008 =( 7-/+% & ,%'/+% ('%+/+%> ,/+/' ( %% 7) /)( 2008 &()' ,+%:%)'/'% ) %% % (+%/:/! OBIECTIVE CANTITATIVE 2009
PROPNERE
REA!I"ARI
N%( /'%+ / 31 12 2009 R%&(+&%% /'+/&% 7% / %)'
20 /+7% % +%&'%+% 18? -/'/ 7% 2008 C+%&'%+% ( 25? -/'/ 7% 2008
19.4 7 C+%&'%+% ( 24? -/'/ 7% 2008 121 /+7% % +%&'%+% 85?
P+'-( +%7'% C/+7(+ %&% / &-/+&'( /)(( 2009 POS#(+ )&'//'% BT 24 ) 2009
13 /+7% % +%&'%+% ( 16? -/'/ 7% 2008 1.800.000 15.000 100.000 (':/'+ #-/'/' 7% +%&'+('(+/+% +%7'%
-/'/ 7% 2008 1.06.838 11.628 POS#(+ )&'//'% 12.052 (':/'+ R%/:/'
L/)&/+%/ ,+% ,/'-+% 7% ,+7(&% /)'#
#/;)/%)' ;/)/+ IMM
F/'/'%/ 7% +%&'+('(+/+% / +%7'(( ,%)'+(
+:/ = ;/:/'/ ,% 3 ,) >
#C(;( I)'+%,+):/'+(( R/)
,/) # 15?7) ''/ ,+'-( 7% +%7'% # C+%7'( G/'/ G/+/)'/' ,%)'+( IMM#(+ /)&/' ,+%()X ( F)7( N/)/ 7% G/+/)'/+% / C+%7'%+ ,%)'+( IMM.
#() ,+7(& 7% ,%+/'()
# ) /)(/+% /.. -/'/'%/ I%W+%/ 7)
I)/ 7(/ ,+7(&% /)' +:/!
#() ,+7(& 7% +%7'/+%
/+)X # ,%&'% 3500 %)' ) ) 2009
C)&7/+%/ ,:'% ) ,/'/ &%'+((
#C+%&'%+/ )(/+(( 7% %)'
# 7(/ ) ,+7(&% 7% +%7' ,%)'+( %7
%7/ P+-'( ;+(' B(*%' 7% )%&'' //'
#N ,+7(&% 7%7/'% &%'+(( %7/ 85 /)% % 505 EUR ^ TVA
# +%&'%+% ( 22? / ,/&/%)'%+ 8602 /)% % 405 EUR TVA )(&
18
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
CAPITOLUL II 19
PIATA ORGANIZATIEI P/'/ +*/):/'% =/&,%'% *%)%+/%> P+) ,/'/ )'%%*% +% ,/&/%)' ) &,/'( & +% -+/*%)' 7% ', ) /+% ,' - )'/)' ,'%)'/ ,/+'%)%+ 7% /-/%+/):/'+ &/( (,/+/'+ / ()+ ,+7(&% &/( &%+ 7% +% )/'(+/.E/ /,/+% / +%'%/ 7% +%/' )'%+(/)% & +%/' 7% /-/%+/+% /( )/&'%+%) 7 )%'/;)'+% /,+/,% '/'% /'%*+% 7% /*%)' 7) &%'/'%. Cota de piata a intreprinderii reprezinta ponderea pietei intreprinderii in piata produsului%si este o piata concreta%localiza!ila geografic si identifica!ila su! forma unor puncte de #anzare%magazine retele de magazine%localitati%zone de piata%precum si tari sau regiuni geografice mai intinse&'otodata%piata intreprinderii este localiza!ila si in structura socio-demografica si spcio-culturala a populatiei de consumatori%adica pe segmente de #arsta%pe se$e %pe clase %sociale%pe stiluri de #iata%etc&(
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
1
P+('/)( S'%-/)M()'%/)( C+)%(C/(& C%:/+#I)'%*%)'/ M/+%')* P(&P+1998,299
20
CORPORATE BAN#IN$ %
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
21
RETAI! BAN#IN$ %
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
4.948 . % ) 2008 &. 4.693 . % ) 2008
%)' ( +%7'% 510.85 ) 2009 &. 451.884 ) 2008 7) /+% %)' ( +%7' ,% /+7 328.390 ) 2009
# C%)' /' R%'/ / 31 7%. 2009! 1.249.65 ) +%&'%+% ( 9? &. 31 7%. 2008! 1.146.046. DIVI"IA PENTR &EDICI%
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22
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B/)/ T+/)&/)/ SA /+7/ +%7'% ) )7'% %* & / )+%+ &/% )'%+)% (+/'/+%+ /'%*+ 7% ,%+&/)% (+7%! 1.> A*%)' %)! # &%'/' %+/% ( /,'/ ,/+'(/+ 7% &'/' &/( <' )&''('% ,'+' L%* )+. 311990 7-/'/ 7% L%*%/ )+. 195199 & L%*%/ )+. 991999 # &%'/' %+/% ( /,'/ &'+/) & /,'/ <' =&'+/) & +/)%&> )-+ L%* )+. 351991 # &%'/' /*+% )&''('% )-+ L%* )+. 361991 24
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•
CARDURI
D) -%+'/ 7% /+7(+ / B/) T+/)&/)/ %)')/ /+7( V&/ B(&)%&& E%'+) 7%&')/' ,%+&/)%+ (+7%. C/+7( /+% /'/&/'% &%+% 7% &%+ &,%/% & /)(%! 25
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•
SCRISORI DE GARANTIE
B/)/ T+/)&/)/ /+7/ %)'+ &/ &+&+ 7% */+/)'% ,%)'+(! # ,/'/ -(+):++ #
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OPERATIUNI
C( /+%7'% C( )/&& C( %(+ D% &)'/+% V/('/+%
OPERATIUNI DE SCONTARE
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
OPERATIUNI VALUTARE
B/)/ T+/)&/)/ ,()% / 7&,:'/ %)'+ &/ '/'/ *// 7% &%+ /('/+%! /. V/):/+% (,/+/+% 7% /('/ /'/' ) )(%% %)'(( /' & / ;/) 2
;. E'%+%/ 7% &+&+ 7% */+/)'% ) % &/( /('/ /:/+%/ & )-+/+%/ 7% /&%%)%/ &+&+ 7% */+/)'% ,+'% ) -//+%/ %)'+ B/) T+/)&/)/ . E'%+%/ 7% /+%7'% & )'+:/+%/ ,+*+%&(( /%&'+/ /:/+%/ & )-+/+%/ /+%7'%+ 7% %<,+' /% %)'+ B/) T+/)&/)/ 7. P++%/ & +%'%+%/ )/&&(++ 7(%)'/+% %. O+7)% 7% ,/'/ -. R%'%+%/ %(++ ) /('/ ,%)'+( )/&/+% ) &'+/)/'/'% •
ALTE SERVICII DESTINATE PERSOANELOR URIDICE
/. %' BT ;. ,/'/ &//++ ) )' & ,% /+7 . &%+ %_-/< '%%+ 7. 7+%' 7%;' %. &'/)7)* +7%+ -. %'/+% _ '+/)&,+' )(%+/+ *. /&%'/ 7% /+ . ,+7(&% 7% '+%:+%+% . ,+7(&% %%'+)% ! BT U'+/ _ BT N%' PRODUSE SI SERVICII PENTRU PERSOANELE FIZICE
•
CREDITE!
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CARDURI! •
CARDUL MAESTRO DIRECT
28
C/+7( M/%&'+ D+%' ( )' ) EURO # -()')%/:/ / & /+7( M/%&'+ M)7 ( )' ) % ( &)*(+/ 7-%+%)'/ / /%&' /+7 /+% /'/&/' () )' ) EURO. E ,/'% - (':/' /'/' ) '/+/ /' & ) &'+/)/'/'% / ATM#(+% & POS#(+% /+% /( /-&/'/ &*/ M/%&'+. I) R/)/ %)'( / +7/ 7% / ATM % & &% / 7%;'/ )'( ) EURO. A/)'/( %&'% / () %)' /+% /+% () /+7 M/%&'+ D+%' ( )' ) EURO 7// ,%// ) &'+/)/'/'% ) '/+% /+% -&%& )%7/ EURO %&'% ,+'%/' 7% +&( /('/+ /%&'/ +7/)7 EURO 7% / ATM /+ )'( 7%;'/)7(#&% '' ) EURO. •
CARDUL MAESTRO MONDO
C/+7( M)7 %&'% () /+7 ) % 7%&')/' ,%+&/)%+ -:% & ,/'% - -&' /'/' ) '/+/ /' & ) &'+/)/'/'% +()7% %&'% /-&/'/ &*/ M/%&'+. E&'% (&+ 7% (':/' ,%)'+( +7/+% 7% )(%+/+ 7% / +% ;/)/' ( &*/ M/%&'+ &/( ,('%' %-%'(/ (,/+/'(+ 7% / +% %+/)' /+% /-&%/:/ /%/&'/ &*/. M)7 %&'% () /+7 ) % /+% ,/'% - -&' & ) &'+/)/'/'%! ,('%' (,/+/ 7% / +% %+/)' &/( ,('%' +7/ )(%+/+ ) /('/ '/+ ) /+% //'+' -&)7 % 7) )'( 7()%//&'+/. •
CARDUL VISA ELECTRON GLOBAL
C/+7( VISA E%'+) GLOBAL # 7&,); 7) 7/'/ 7% 9 /,+% 2001. P+(+/+%/ ( %&'% ,&;/ ,+) ,%'/+%/ ()% %+%+ 7% %'%+% / +/+% 7) %% 34 &((+&/% /% ;/). GLOBAL %&'% () /+7 7% 7%;' ) % %& &(; &*/ VISA. P%)'+( %)' B/) T+/)&/)/ &% -%+/ ,&;'/'%/ +7/+ &//++ ,+) /+7 7+%' 7% / +% ATM =;/)/'> +%&,%' ( /('+( POS#(++ =''/+%% 7% /+7(+> )&'//'% ) &((+&/%% ;/). D% /&%%)%/ ,&%&+ 7% /+7(+ VISA E%'+) GLOBAL ;%)%-/:/ 7% /+7/+%/ +%7'%+ ,%)'+( )% (+%)'% ) )'( 7% /+7. P% 7% /'/ ,/+'% &*(+/)'/ '%:/ 7% ,%+/+% & /+/ %<')&/ 7% /%,'/)'/ =(':/+% ) /+%/ /+'/'% / +/&%+> &()' /'+;('% /+% )-%+/ /+7(( VISA E%'+) GLOBAL () ,(& 7% /'+/''/'% ,%)'+( 7%')/'+ (. E'%+%/ /+7(++ VISA E%'+) GLOBAL & 7%:'/+%/ )')(/ / +%'%% ,+,+ 7% ATM#(+ & POS#(+ )&''(% ,()'% 7% +%-%+)'/ /% ,/)(( 7% 7%:'/+% / B/) T+/)&/)/ ,%)'+( /%&' /). C/+7( GLOBAL %&'% () /+7 ) % 7%&')/' ,%+&/)%+ -:% & ,/'% - -&' ) )'+%/*/ '/+/ +()7% %&'% /-&/'/ &*/ VISA. %&'% (&+ 7% (':/' ,%)'+( +7/+% 7% )(%+/+ 7% / +% ;/)/' 7) R/)/ ( &*/ VISA &/( ,('%' %-%'(/ (,/+/'(+ 7% / +% %+/)' /+% /-&%/:/ /%/&'/ &*/. C+%7'%! 7%')/'+ 7% /+7(+ VISA E%'+) GLOBAL ,' ;%)%-/ 7% +%7'% ,%)'+( )% (+%)'% /+7/'% 7+%' ) )'( 7% /+7. •
CARDUL VISA ELECTRON EUROQ26 29
C/+7( VISA ELECTRON EUROQ26 %&'% () /+7 7% 7%;' ( )' ) % & (':/+% )'%+)/')// %& &(; &*/ VISA E%'+) ) +%* #;+/)7%7 Q BANCA TRANSILVANIA $ EUROQ26 ROMANIA `. C/+7( %&'% 7%&')/' '('(++ ')%++ ( /+&'% (,+)&% )'+% 15 & 25 7% /) ) &,%/ &'(7%)'+. E(+Q26 R/)/ %&'% /&/'% ))#,+-' +%,+%:%)'/)'/ / +*/):/'% %(+,%)% ECA = A&/'/ E(+,%/)/ / C/+7(++ 7% T)%+%' > /+% -()')%/:/ ) 38 '/+ %(+,%)%. A&/'/ ) /'/'% 7% %;+( / ECA /+% 7+%,'( %<(& 7% / %'% ,+/ & 7%:'/ ) R/)/ /+7( %(+,%/) 7% ')%+%' E(+ Q26 . P/)/ ) ,+%:%)' /&/'/ %&%&% 7/+ /+7(+ 7% /'/'% /+% -%+%/( 7-%+'% 7&()'(+ %;++ &/. C/+7( EUROQ26 %& ) /;+/+% ( BANCA TRANSILVANIA / +%,+%:%)'/ ,%)'+( 7%')/'+ 7/7/ /'/' 7% %;+( /&/' EUROQ26 & / 7/ 7+%,'( /%&'+/ &/ ;%)%-%:% 7% '/'% //)'/%% +%7(%+% & -/'/'% ,% /+% /'/'%/ 7% %;+( / /&/'% % ,/ +%/' / +%'%/(/ ECA. A/)'/%% /+7(( VISA ELECTRON EUROQ26! ,&;'/'%/ 7% / *%&')/ %-%)' ;(+&%% &/+%&'(7%)'%&' &/( ;/) ,+' 7% / ,/+)'/'% &(+&% /&*(+/+% %7// 7% //'+% ,% '%+%) 7% 1 /) )(&/ ) ,+%'( &'/)7/+7 / /+7(( ,+'/)'% +%7(%+ ) +%'%/(/ 7% %+/)' EUROQ26 7) R/)/ & E(+,/ ,&;'/'%/ 7% / - (':/' ,+) )'%+%7( ()% +%'%% /&'% 7% ATM#(+ & POS#(+ /'/' ) '/+/ /' & ) &'+/)/'/'% +()7% %&'% /-&/'/ &*/ V&/ E%'+) ,%+/'()% +%/:/)7(#&% ) )%7/ '/+ ) /+% /%&'%/ /( •
CARDUL DE CREDIT MASTERCARD FORTE MASTERCARD FORTE %&'% () /+7 7% +%7' ( )' ) RON & (':/+%
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C/+7( %&'% %& ,% ,%+/7/ 7% 2 /). L'/ /</ / +%7'(( /+7/' %&'% 7% 5.000 EUR =) %/%)' RON>. •
ALTE SERVICII DESTINATE PERSOANELOR FIZICE
% & /('/
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A+'%'(+/ 7% ;+/)7 / B/) T+/)&/)/ (,+)7% & /+% %+/% /% &(;&7/+%+ G+(,(( F)/)/+ BANCA TRANSILVANIA! BT A&&%' M/)/*%%)' S.A.I. S.A. BT D+%' BT I)%&'%)'& BT L%/&)* & BT S%(+'%&. D% /&%%)%/ ;/)/ /+% ) ,+'-( /+ ,+7(&% & &%+ /+% ,/+'/ /+/ BT! BT 24 # I)'%+)%' B/))* BT U'+/ # H% B/))* %'. N'+%'/'%/ ;+/)7(( B/)/ T+/)&/)/ / 7%'%+)/' / BT &/ )&'+(/&/ ) ', )'+%/*/ -/% 7% ;+/)7(+ /)&/)7 ,% ,/'/ & /'% /+ 7% ,/' ( &()'! BT C/- # ,+/ /-%)%/ ;/)/+/ 7) R/)/ A/7%/ BT # %)'+( )'%+) 7% )-+/+% & -+/+% ,+-%&)// ,+%( & 7% )'%*+/+% ) +*/):/'% / )+ /)*//' BT G- C(, # '(+)%( 7% *- /+% / /()*% ) /%&' /) / %/ 7% / #/ %7'% C+&( BT # ,%''% /+% / /()& ) /%&' /) / %7'/ / #/ +*/):/'/ ) C(#N/,/ C(( A+% S(-%' ).((/+%&(-%'.+> # -()7/'% / /+% /''/'% %&'% 7%7/'/ ')%++ ( /+&'% )'+% 14 & 20 7% /) /+% ,+) 7) -/ 7%-/+:/'% & 7) %)'+% 7% ,/&/%)'. O /'/ /+/ 7% )'+%'/'% %&'% C(;( I)'+%,+):/'+(( R/) ).;'(;.+> ,+) )'%+%7( /+(/ BT -%+/ &%*%)'(( 7% /-/%+ &(,+' )&('/)'/ & () ,+*+/ 7% )%'+)* ,%)'+( % ,%&'% 12.000 7% %;+ / &/. C% / ()&(' )%)%)')/ 7% ,+/+% / ,+7(&%+ ;/) & ,' / B/) T+/)&/)/ %&'% ,%+&)/( Z/)(. A%&'/ &#/ 7%7' / - &('% -/+'% ,'+'/ ,%)'+( %%/ % B/)/ T+/)&/)/ &#/ ,+,(& /7/ &/ )7%,)%/&/ 7+)'%% + )'+%,+):/'+. D/'+'/ )'+%'/' /%&'( ,%+&)/ /+/ 7% )-(%)'/ &#/ 7%+&-/' & /&(,+/ &%*%)'(( 7% +%'/ 7/+ & ,%)'+( /'% ',(+ 7% /,/) /+ /%*%+%/ &#/ 7%7' / - )&,+/'/. SITUATIA ECONOMICO#FINANCIARA P%)'+( /)( 2009 ;%'( / -&' /')*%+%/ ()( )% ''/ / /'%+ ;/)'%+% 7% 20 /+7% %. A%&' (+( / -&' +%/:/' ) ,+,+'% 7% 935? / &-/+&'( /)(( /'%% ''/:/)7 194 /+7% % ) +%&'%+% -/'/ 7% /)( ,+%%7%)' ( 14? =101 /+7% % ) 2008>. P+%&%% /('% ) %7%+% / )'+%/ BVC 2009 /( -&'! (+& 7% &; %%(+ %&'/' 7% 430 & () )7% 7% )-/'% 7% /,+</' 6?. L/ &-/+&'( /)(( 2009 (+&( 7% &; -/ %%(+ / -&' 7% 42282 & )7%% 7% )-/'% 7% 44 ?. P+'-( 7% +%7'% / BX) T+/)&/)/ %&'% ()( &'/; ,+%,)7%+%)' ) % ( %<,()%+% 7% &(; 4? ,% 7%)( 7%:'/'++ ;/+. I) %%/ % ,+%&'% %<,()%+%/ ,% +%7'% &#/ (+/+' 7%+&-/+% / ,+'-(( /&'-% )/' ;/)/ &/ )( /;/ %<,()%+% /+/ -/'/ 7% () /)(% +& 7% +%7'/+% &,%- =+& *%)%+/' 7) 7%,%)7%)'/ 7% () *+(, 7% 39
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BANCA TRANSILVANIA $ PERSPECTIVE PENTRU VIITOR B/)/ T+/)&/)/ +%,+%:)'/ ()/ 7)'+% %% / /'+/'% /'() &'/'% / ;(+&/ 7/'+'/ +'(( 7% +%&'%+% )+%*&'+/' 7% / )-)'/+% & ,/)/ ) ,+%:%)'. P%)'+( )%&''+( ,% '%+%) %7( & ()* )'+%;/+%/ /+% &% ,()% / /%&' %)' %&'% ) % /&(+/ /%&' +' &% / ,/&'+/ & ) /) (+/'+ & /+% &()' ,%+&,%'%% 7% '+ /% ;/). D%&*(+ /%/&'/ /)/:/ )( &% ,/'% -/% 7%/' ,+) ,+&/ +%%)'(( ,/+'%)%+/' )'+% B/)/ T+/)&/)/ & B/)/ E(+,%/)/ ,%)'+( R%)&'+('% & D%:'/+% =BERD>. R%-%+)7(#)% ,(') / &'+( /%&'% ,%+/'() %&'% )'%+%&/)' 7% )'/' / )%*%+% )'+% %% 7(/ )&''(' -)/)/+% 7/'%/:/ 7) /)( 1999. I) /%/ ,%+/7/ &#/ )%*/' ,%)'+( /):/+%/ ()( ,/%' 7% 51? 7) /'()% TLV ,% /&(+/ //)&/+ )%*%++ ) /)( 2000 &#/ (/' ) /( () ,/%' 7% 18? 7) /'()% TLV / () ,+%' 7% 9 %)'/'()%. C)-+ '%+%)+ -)/ / /%&'( /+7 &'/;' ) (+&( /)(( (+%)' BERD / 7%%) ,+,+%'/+/ / 15? 7) /'()% TLV ) (+/ ()% /+/+ 7% /,'/ &/ ,+) ,/&/%)' ,+/' / () ,+%' 7% 105 %)'/'()%. P%)'+( /%/&'/ /+/+% /')/+ %<&'%)' +%)()'/ / 7+%,'( 7% ,+%%,'()% 7% /&%%)%/ ,%)'+( BERD &% / +7/ +%&'+'/ 7) &'/'('( ;/) /+% '%/:/ 7+%,'(+% 7% ' /% ()( &)*(+ /')/+ / /< 5? 7) /,'/( ;/) =/%/&'/ +%&'+'% / - +7/'/ )(/ ,%)'+( BERD )( & ,%)'+( %/' /')/+>. C)-+ /%+/& '%+%) 7(+/'/ )%&''% BERD %&'% 7% ) 3 /) 7% :% /+ ,/+',/+%/ &/ ) )7(%+%/
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