raport de practica banca de economii

8/13/2019 Raport de Practica Banca de Economii

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MINISTERUL EDUCA IEI AL REPUBLICII MODLOVA COLEGIUL FINANCIAR-BANCAR M. CHI INU

CATEDRA ECONOMIE I FINAN E

Dan TALMAZAN

RAPORTPRIVIND PRACTICA DE DIPLOM

n cadrul B.C. Banca de Economii .A.

la !"eciali#a#ea $%inan e "u&lice

Coordona#orul nre"rinderii'e( !er)icul "er!onal

Nina ZA*AROV

Coordona#or C%BC'Irina CA IAN

Ela&ora#'Ele)ul +ru"ei %P ,-, /

Dan Talma0an

C1i in2u 3,43


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C5PRIN

In#roducere.................................................................................................................

Ca"i#olul I. TR5CT5RA7 OR/ANIZAREA7 I %5NC IONAREA BNCII COMERCIALE...........................................................................................................Ca"i#olul II. OR/ANIZAREA I /E TI5NEA ACTIVIT II DE PL I I 9NCA RI.................................................................................................................4Ca"i#olul III. OR/ANIZAREA I /E TI5NEA ACTIVIT II DE DECONTARE............................................................................................................3

Ca"i#olul IV. OR/ANIZAREA I /E TI5NEA ACTIVIT II DE CREDITARE.............................................................................................................8Ca"i#olul V. OR/ANIZAREA I /E TI5NEA ACTIVIT II ECONOMICO; %INANCIARE ........................................................................................................Ca"i#olul VI. OR/ANIZAREA I /E TI5NEA ACTIVIT II VAL5TARE

I RELA II INTERNA IONALE.......................................................................... 6Ca"i#olul VII. OR/ANIZAREA ACTIVIT II C5 VALORI MOBILIARE.............................................................................................................:Ca"i#olul VIII. ANALIZA ECONOMICO;%INANCIAR A BC $BANCA DEECONOMIIA........................................................................................................:8

Conclu0ii.....................................................................................................................Bi&lio+ra(ie................................................................................................................Ane=e..........................................................................................................................

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In#roducere

O condi ie i !"ici#$ % de&'o"#$(ii econo ice e)#e *$($ +ndoi%"$ ni'e"," de&'o"#%(e %" )i)#e ,",i %nc%( n% ion%"/ "% *e" c, de&'o"#%(e% )ec#o(,",i %nde#e( in%#$ "% (+nd," ei de c(e0#e(e% econo ic$.

Si)#e ," %nc%( 1o%c$ ,n (o" *o%(#e i !o(#%n# +n econo i% *iec%(ei $(i.de)#," de ine c$ "% %&% o(ic$(,i econo ii ine de&'o"#%#e )#$ ,n )i)#e %nc%( de&'o"#%#. In#(-o econo ie de !i% $/ )i)#e ," %nc%( +nd+!"ine0#e *,nc i% de %#(

concen#(%(e % econo ii"o( )ocie#$ ii 0i de c%n%"i&%(e % %ce)#o(%/ !(in#(,-o iec#i' 0i i !%( i%" % c(edi#,",i/ c$#(e ce"e %i e*icien#e in'e)#i ii.

P(in %c#i'i#%#e% de co"ec#%(e de (e),()e *in%nci%(e/ conco i#en# c, !"%) !e !i% $ !(in in#e( edi," c(edi#e"o(/ % o!e(% i,ni"o( de )con# 0i % %"#o( o!e(% i, !i% % *in%nci%(%/ $nci"e +ndi!"ine)c (o"," de in#e( edi%(i +n#(e de in$#o(ii de c0i ,#i"i&%#o(ii %ce)#o(%.

Si)#e ," %nc%( )e %*"$ +n#(-o con#in,% in#e(%c i,ne c, edi," econo ic/ dic%(e !(ei% ), di*e(i#e *o( e in#($(i/ !e c%(e "e !(e",c(e%&$ +n 'ede(e% o ine(ie0i(e"o(. A"#*e" )!,)/ )i)#e ," %nc%( !o%#e %1,#% de % %1,n3e "% o econo ide&'o"#%#%.

De)*$0,(%(e% !(%c#icii %(e o i !o(#%n % %1o($ !en#(, *o( %(e% !(%c#ic%)!eci%"i)#. 4n dec,()," !(%c#icii/ !(%c#ic%n#," %(e !o)i i"i#%#e% de % *%ce c,no (e3,"% en#," in)#i#, iei +n c%(e %c#i'e%&$/ de % )#,di% di*e(i#e in*o( % ii din do enii c, %( *i5 %c#e i %#e(i%"e no( %#i'e/ doc, en#e con#% i"e/ (%!o% *in%nci%(e i d$(i de )e% $ !(ec, i ,"#e %"#e"e. Pe !%(c,()," !(%c#icii !(%c#ic% e)#e %#(%) +n %c#i'i#$ i"e %n%"i#ice i !(%c#ice ,nde %(e !o)i i"i#%#e% c,no #in e"e n, do%( #eo(e#ic/ d%( i !(%c#ic.

Sco!,(i"e !(%c#icii de di!"o $ ),n# *o%(#e di'e()e/ +nce!+nd de "% e"e en#%(in*o( %(e% e"e'i"o( !(i'i#o( "% )#(,c#,(% di(ec ii"o( i )ec ii"o( *in%nci%(e % in)# %nc%(e6 in*o( %(e% e"e'i"o( !(i'i#o( "% )#(,c,#(% de!%(#% en#e"o( *in%nci

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,ni#$ i"o( econo ice6 )#,die(e% e#ode"o( de %!"ic%(e % %&ei no( %#i'e c (e3"e en#e%&% *,nc ion%(e% *in%nci%(% % +n#(e!(inde(ii6 i #e( inind c, con i %!(o*,nd%(e% c,no #in e"o( #eo(e#ice/ *o( %(e% de!(inde"o( de ,#"i&%(e % "e3i)"% i % %"#o( %c#e no( %#i'e %"e Re!, "icii Mo"do'%/ ce in de %c#i'i#%#e% *i

o ine(e% de!(inde(i"o( %n%"i#ice +n do eni," ce(ce#$(i"o( #iin i*ice/ con*(,n#% %c i,ni/ *eno e e i %c#i'i#$ i *in%nci%(e din 'i% % econo ic$ (e%"$.

Do%( +n ,( % c,no0#in e"o( %c, ,"%#e !e !%(c,()," %ni"o(/ +n %c#i'i#%# !(%c#ic$ e"e'," e)#e c%!% i" )$-0i *o( e&e % i"i#$ i de e"% o(%(e 0i *,nd% en#deci&ii"o(.

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Ca"i#olul I. TR5CT5RA7 OR/ANIZAREA I %5NC IONAREA BNCII COMERCIALE

I)#o(i% BC B%nc% de Econo ii S.A % +nce!,# "% 7 noie (ie 789:/ od%#$in%,3,(%(e% !e #e(i#o(i," Re!, "icii Mo"do'% % ; di(ec ii 1,de ene %"e C%)e"o( dede Econo ii5 C


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- Cea mai modern banc din MoldovaBC B%nc% de Econo ii S.A. e)#e ,nic% %nc$ din Mo"do'% c%(e %c#i'e%&$ +on-"ine. Fi"i%"e"e 0i %3en ii"e BC B%nc% de Econo ii S.A. ),n# conec#%#e)i)#e ,nic de oni#o(in3 0i #(%n)*e( de d%#e/ c%(e !(oce)e%&$ #o%#e o!e(% i,(e3i (e%". De&'o"#%(e% con#in,$ % !e( i) i !"e en#%(e% ,( $#o%(e"o( !(od,)e 0)e('icii5 In#e(ne# B%n in3/ SMS B%n in3/ !(ec, 0i )i)#e ," C"ien#- B%nc$.

- Cele mai nalte standarde ale plilor naionale i internaionaleTe# +n Mo"do'% !(in )i)#e ," n% ion%" MoE !(e)) / c># 0i "% ni'e" in#e(n% ion%" S IFT . De %)e ene%/ BC B%nc% Econo ii S.A. o*e($ !o)i i"i#%#e% de % #(%n)*e(% %nii (%!id !(in )i)#eUni)#(e% / Con#%c# 0i e)#e(n Union.

- Cardurile internaionale de debit i credit BC B%nc% de Econo ii S.A. e"i e(e%&$ c%(d,(i %nc%(e ), e3id% )#%nd%in#e(n% ion%" E,(o!%J Ci((,)M%e)#(oK/ M%)#e(C%(dK/ B,)ine))C%(dK/ Go"dC4n !(e&en# de in$#o(i %i c%(d,(i"o( %nc%(e BC B%nc% de Econo ii S.A. ),n#

7;7/ :: de c"ien i. E)#e nece)%( de en ion%# c$ )i)#e ," de %c


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#ruc#ura or+ani0a#oric2 i or+anele de conducereS#(,c#,(% o(3%ni&%#o(ic$ % BC B%nc% de Econo ii S.A. e)#e e"%

de P(e0edin#e"e B$ncii 0i e)#e %!(o %#$ de Con)i"i," B$ncii. S#(,c#o(3%ni&%#o(ic$ e)#e con)#(,i#$ d,!$ o *o( $ 'e(#ic%" cen#(%"i&%#$ de de ),) +n 1o)/ d,!$ !(inci!i," ,nic de cond,ce(e 0i e)#e *o( %#$ din ), di'i&i,ni)#(,c#,(%"e %"e $ncii c%(e ),n# di'i&%#e +n di(ec ii/ )ec ii 0i )e('icii de )ine )#$#%ne % .

Or+anele de conducere ale B2ncii !un#'-Ad,n%(e% Gene(%"$ % Ac ion%(i"o( B$ncii6-Con)i"i," B$ncii6-P(e edin#e"e B$ncii6-Co i)i% de Cen&o(i6

Adunarea +eneral2 a Ac>ionarilor e)#e o(3%n," ),!(e de cond,ce(e %" $ncii.Ad,n%(e% Gene(%"$ % Ac ion%(i"o( !o%#e *i o(din%($ %n,%"$ 0i e #( Atribuiile exclusive ale adunrii enerale a ac ionarilor sunt! %!(o %(e% S#%#,#,",i B$ncii +n (ed%c ie no,$ )%, % odi*ic$(i"o( i co !"e#$(i S#%#,#/ c, e ce! i% odi*ic$(i"o( i co !"e#$(i"o( ce in de co !e#en % e c",)i'$ % Con)i"i,",i B$ncii6 ",%(e% deci&iei c, !(i'i(e "% odi*ic%(e% c%!i#%",",i )oci%"/ c, e ce! i% c%&,(i

%do!#%(e % deci&iei !(i'ind $(i(e% c%!i#%",",i )oci%" ce in de co !e#en % e c",)Con)i"i,",i B$ncii6 %!(o %(e% (e3,"% en#e"o( Con)i"i,",i B$ncii 0i Co i)iei de cen&o(i6 %"e3e(e% P(e0edin#e",i Con)i"i,",i B$ncii6 %"e3e(e% e (i"o( Con)i"i,",i B$ncii 0i Co i)iei de cen&o(i/ inc",)i' (e&e('ei "o(

0i ),)!end%(e% %n#ici!%#$ % + !,#e(nici(i"o( "o(/ )#% i"i(e% $(i ii (e#(i , iei ,nc"o(/ % (e ,ne(% ii"o( 0i co !en)% ii"o(/ !(ec, 0i ",%(e% deci&iei !(i'ind #(%3e(e%($)!,nde(e )%, e"i e(%(e% de ($)!,nde(e % e (i"o( Con)i"i,",i 0i Co i)iei decen&o(i6

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con*i( %(e% o(3%ni&% iei de %,di# 0i )#% i"i(e% c,%n#, ,",i (e#(i , iei !en#(,

)e('icii"e ei6 ",%(e% deci&iei !(i'ind e*ec#,%(e% #(%n&%c ii"o( de !(o!o( ii

%!(o %(e% c"%)e"o( 0i n, $(,",i %c i,ni"o( 0i )%, o "i3% i,ni"o( %,#o(i&%#e )!(e )%(e6 e % in%(e% d$(ii de )e% $ *in%nci%(e %n,%"e % $ncii/ %!(o %(e% d$(ii d

%n,%"e % Con)i"i,",i B$nci 0i % Co i)iei de cen&o(i6 %!(o %(e% no( %#i'e"o( de (e!%(#i&%(e % !(o*i#,",i $ncii6 ",%(e% deci&iei !(i'ind (e!%(#i&%(e% !(o*i#,",i %n,%"/ inc",)i' !"%#% di'idende

%n,%"e )%, %co!e(i(e% !ie(de(i"o( $ncii6 ",%(e% deci&iei !(i'ind )c


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din o*ici, (e!(e&in#$ o )ocie#%#e c%(e *% $ de )ocie#%#e% d%#$ e)#e +n

%*i"i%#$ )%, )ocie#%#e de!enden#$6 ),n# !(i'%$ i de d(e!#," de % *i e (i %i Con)i"i,",i B$ncii +n con*o( i#%#e c,

"e3i)"% i% +n'i3o%(e6 e ec,#$ )%, %, e ec,#%# !e !%(c,()," % 7@ ",ni !(eceden#e *,nc ii +n Con)i"i,"

Ad ini)#(% ie % BNM6 ),n# ), iec i de ,( $(i(e !(i'ind in)o"'% i"i#%#e% 0i n, ),n# e"i e(% i de !"%#%

d%#o(ii"o(. De co !e % Con)i"i,",i B$ncii ine )o", ion%(e% #,#,(o( c


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%!(o %(e% *ond,(i"o( 0i % no( %#i'e"o( de (e#(i , ie % ,ncii !e()on%",",i B$ncii6 ",%(e% deci&ii"o( !(i'ind !%(#ici!%(e% "% %c#i'i#%#e% *in%nci%($ % +n#(

o(3%ni&% ii"o(/ !(ec, 0i %de(%(e% $ncii "% Uni,ni/ A)oci% ii 0i %"#e o(3%ni&%

%e competena Consiliului $ncii de asemenea ine! %!(o %(e% di(ec ii"o( !(io(i#%(e %"e %c#i'i#$ ii $ncii6 n, i(e% P(e0edin#e",i B$ncii/ 'ice-!(e0edin i"o(/ )%, ),)!end%(e% +n%in#e

#e( en % + !,#e(nici(i"o( "o(/ !(ec, 0i )#% i"i(e% c,%n#, ,",i (e#(i , iei ,ncii "o(/ (e ,ne(% ii"o(/ co !en)% ii"o( 0i %!"ic%(e% )%nc i,ni"o( di)ci!"in%(e6 %!(o %(e% (%!o%(#e"o( %n,%"e 0i #(i e)#(i%"e %"e o(3%n,",i e ec,#i' %" $ncii

",%(e% deci&iei !(i'ind de)c


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e ce! i% !(o "e e"o( ce con)#i#,ie co !e#en % %d,n$(ii 3ene(%"e % %c ion%(i"o( %"e Con)i"i,",i B$ncii. &unc iile 'reedintele $ncii! %c ione%&$ *$($ %nd%# !(oc,($ din n, e"e $ncii/ inc",)i'5 (e!(e&in#$ in#e(e)e"e $ncii +n %($ 0i !e)#e


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co !onen ei de %&$ % Co i)iei +n c%&," (e#(%3e(ii e (i"o( ei. S, (o3%(e%e (i"o( (e#(%0i )e e*ec#,e%&$ !(in deci&i% Co i)iei de Cen&o(i. N, $(," #o#%" c%ndid% i !en#(, *,nc i% de e (, %" Co i)iei de Cen&o(i/ +n)c(i0i +n "i)#c%ndid%#,(i"o( !en#(, % *i ),!,)e 'o#,",i "% Ad,n%(e% Gene(%"$ % Ac ion%(ide!$0i )%, '% *i e3%" c, co !onen % n, e(ic$ % Co i)iei de Cen&o(i. Un," dine (ii Co i)iei de cen&o(i e)#e (eco %nd%# de c$#(e Mini)#e(," Fin%n e"o(. Ce"

!, in ,n," din cen&o(i #(e ,ie )$ *ie con#% i" %,#o(i&%# +n condi ii"e "e3ii )%, cone !e(#. Cen&o(ii #(e ,ie )$ *ie %c ion%(i %i $ncii/ c, e ce! i% con#% i"i"o(-e !e( i. "u pot #i cen(ori! e (ii Con)i"i,",i B$ncii6 !(e0edin#e"e )%, 'ice-!(e0edin ii B$ncii6 ",c($#o(ii o(3%n,",i e ec,#i' )%, %i con#% i"i#$ ii B$ncii6 !e()o%ne"e nec%"i*ic%#e +n con#% i"i#%#e/ *in%n e )%, econo ie6 !e()o%ne"e c, ($)!,nde(e %#e(i%"$ % $ncii6 !e()o%ne"e ce ),n# %n3%1%#e "% %"#$ in)#i#, ie *in%nci%($6

%" i )%"%(i% i %i $ncii 0i %"#e !e()o%ne c$(o(% "i )e in#e(&ice !(in "e3e de ine de cen&o(. Co i)i% de Cen&o(i 'e(i*ic$ od," +n c%(e ),n# (e)!ec#%#e de B%%c#e"e no( %#i'e %!"ic% i"e 0i !(e&in#$ Con)i"i,",i B$ncii (%!o%(#e +n %ce%)#De %)e ene%/ %ce%)#%/ )#% i"e0#e !(oced,(i in#e(ne de e'iden $ 0i con#(o" co !en#(, %nc$/ +n #e ei," (e3,"% en#e"o( B$ncii N% ion%"e % Mo"do'ei/ ),!(%'e3


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Princii"ile ce ine !2 le a#in+2 BC $Banca de Economii .A. )rientare spre client . B%nc% '% i !"e en#% o ideo"o3ie no,$ de ",c(, c,

c"ien#,"/ % %#$ !e co in%(e% #e


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+estionarea riscurilor . 4n condi ii"e de de&'o"#%(e 0i "$(3i(e % !o(#o*o"ii"o !(od,)e 0i )e('icii % $ncii/ )e i !,ne i !"e en#%(e% ,n,i )i)#e in#e3(, de3e)#ion%(e % (i)c,(i"o(.

+estionarea resurselor umane. C(i#e(i," *,nd% en#%" %" de&'o"#$(ii $ncii '%de'eni %!(ecie(e% (e),()e"o( , %ne 0i in#e"ec#,%"e de !e !o&i i% c(e$(ii de !"'%"o%(e. 4n %ce)# )en) %nc% '% %)i3,(% en ine(e% 0i c(e0#e(e% (e),()e"o( c%"i*ic%#e/ "oi%"e 0i o#i'%#e. B%nc% '% %co(d% %#en ie )!o(i#$ de&'o"#$(ii in#e"ec#,%" +n co(e)!,nde(e c, ce(in e"e de&'o"#$(ii 0#iin i*ico - #e


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Ca"i#olul II. OR/ANIZAREA I /E TI5NEA ACTIVIT II

DE PL I I 9NCA RI Ac#i'i#%#e% de !"$ i 0i +nc%)$(i % BC B%nc% de Econo ii S.A

(e3"e en#e%&$ !(in Re3,"% en#," c, !(i'i(e "% o!e(% i,ni"e c, n, e(%( +n $nci"e dinRe!, "ic% Mo"do'% %!(o %# HCA %" BNM n(.@:: din @;.:;.: / c, odo*ic$(i"e 0co !"e#$(i"e %!(o %#e de Con)i"i," de %d ini)#(%(e %" B$ncii N% ion%"e % M !(in


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%i+ura 3.3S#(,c#,(% co !%(#i en#,",i de c%)ie(ie

Ca!a de circula>ie (e!(e&in#$ o +nc$!e(e de)#in%#$ o!e(% i,ni"o( de (e#(%3)%, de!,ne(e % n, e(%(,",i +n #e&%,(/ !(ec, 0i d,!$ c%&/ %"i en#%(e% 3


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c, d,"%!,(i )!eci%"e +n c%(e )e %*"$ c%)e#e e#%"ice de di'e()e $(i i. D,"%!,(i"ec%)e#e"e ),n# do#%#e c, +nc,ie#o(i c, ci.

De!onen i %i %ce)#o( c%)e !o# *i !e()o%ne"e *i&ice 0i !e()o%ne"e 1,(idice. Vde!,)e "% %nc$ )!(e !$)#(%(e )e de!o&i#e%&$ +n #e&%,(," c, c%)e#e. Te&%,(," ec, d,"%!,(i )!eci%"e +n c%(e )e %*"$ c%)e#e e#%"ice de di'e()e $(i i. D,"%!,(i"ec%)e#e"e ),n# do#%#e c, +nc,ie#o(i c, c


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Ca!e de !c1im& )alu#ar.B$nci"e !o# o(3%ni&% c%)e de o!e(% i,ni '%",#%P(o3(% ," de ",c(, %" c%)e"o( de )c


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A %"%(e% onedei e#%"ice )e e*ec#,e%&$ )e!%(%# !e '%"o(i no in%"e/ icon# de ,( $#o%(e"e ce(in e5

7. de!,ne(e% +n#(-,n )%c5- 7 %n 9:: "ei @: )$c,"e e % c>#e @: "ei- %ni 7::: "ei @: )$c,"e e % c>#e : "ei- 7: %ni @::: "ei @: )$c,"e e % c>#e 7:: "ei- @ %ni ::: "ei @: )$c,"e e % c>#e @ : "ei- : %ni @ :: "ei )$c,"e e % c>#e :: "ei

@. *iec$(,i )%c i )e '% %#(i ,i o e#ic


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c. %)i3,($ (e)!ec#%(e% #,#,(o( di)!o&i ii"o( c, !(i'i(e "% !$)#(%(e% i ! n, e(%(,",i i % ce"o("%"#e '%"o(i/ !en#(, %)i3,(%(e% in#e3(i#$ ii %ce)#o(%.

'rintre #unc iile i responsabilit ile personalului operativ putem enumera! %. !o%(#$ ($)!,nde(e !en#(, in#e3(i#%#e% n, e(%(,",i 0i % '%"o(i"o( +nc(ed

con*o( no( e"o( i di)!o&i ii"o( "e3%"e6 . ),n# o "i3% i )$ c,no%)c$ (e3,"i"e (e*e(i#o%(e "% e*ec#,%(e% o!e(% i,ni

c%)$/ di)!o&i ii"e "e3%#e !(i'ind ($)!,nde(e% %#e(i%"$6c. "e e)#e in#e(&i) )$ +nc(edin e&e %"#o( !e()o%ne )%(cini"e !(i i#e !(

o!e(% i,ni"e c, '%"o(i6d. "e e)#e in#e(&i) )$ e ec,#e di(ec# di)!o&i ii"e %"#o( $nci )%, %"e c"ien i"o

$nci )%, %"e c"ien i"o( $ncii !(i'ind e"i e(%(e% )%, !(i i(e% de n, e(%( o(i de %"'%"o(i +n con#," "o(/ !(i i(e% doc, en#e"o( de '$()$ >n# )%, de !"%#$ *$($ e*ec#,% !(e%"% i"$ % con#(o",",i con#% i"i#$ ii.

Ge)#ion%(e% n, e(%(,",i 0i % %"#o( '%"o(i din c%)% de ci(c,"% ie 0i #e&e*ec#,e%&$ +n od o "i3%#o(i, de c$#(e !e()o%ne/ de)e n%#e !(in o(din de c$cond,c$#o(," B$ncii.

A!i+urarea !ecuri#2 ii )alorilor de"u!e la &anc2.%iecare ca!ier de +1i?eu %(e "oc," )$, de ,nc$ +n#(-o c% in$ )e!%(%#$.

C% ine"e ),n# do#%#e c, c%)e#e de *ie( )%, c, d,"%!,(i e#%"ice c, +nc,ie#o(i !e !$)#(%(e% '%"o(i"o( +n #i !," !(o3(% ,",i de ",c(,.

Pen#(,a!i+urarea !ecuri#2>ii )alorilor care !e mani"ulea02 ?i !e "2!#rea02 n#im"ul "ro+ramului de lucru de c$#(e !e()on%"," c%)ie(iei )e 'o( in)#%"% i1"o%

#e


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#(e ,ie )$ *ie !(e'$&,# c, i1"o%ce #eni(e "% c%)i0e*/ con#% i"," 0e* 0i "% cond,c$#o(," $ncii. Ge)#ion%(ii de '%"o(i di)!,n de c+)i3i"i, de e#%"/ %'>nd 3(%'%# !e e" *,nc i% (e)!ec#i'$5 ?cond,c$#o(/ ?con#% i" -?c%)ie( - 0e*/ c, c%(e )i3i"e%&$ &i"nic #e&%,(,". Te&%,(,"/ d,"%!,(i"e e#%"ic)e !$)#(e%&$ n, e(%( 0i %"#e '%"o(i #(e ,ie )$ %i $ d,!"ic%#e de c


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O"era iunile de nca!are i eli&erarea numerarului O!e(% i,ni"e de nca!are !(i i(e a numerarului !(in c%)e"e de +nc%)$(i )e

e*ec#,e%&$ +n %&% ,( $#o%(e"o( doc, en#e de c%)$5 ordin de ncasare a numerarului%ne % 6 borderou nsoitor %ne % ; 6

%i+ura 3. .Doc, en#e"e !e(*ec#%#e +n c%d(," o!e(% i,ni"o( de !(i i(e % n, e(%(,",i.

Doc, en#e"e ,#i"i&%#e !en#(, (e*"ec#%(e% o!e(% i,ni"o( c, n, e(%( )e +n#ocde c$#(e *,nc ion%(," (e)!on)% i" %" $ncii 0i )e e ec,#$ +n &i,% o!e(% ion%"$ +n *o)# e i)e. Doc, en#e"e #(e ,ie )$ *ie +n#oc i#e +n "i % de )#%#. P%(% e#(*o( ,"%(e"o( doc, en#e"o( ,#i"i&%#e "% o!e(% i,ni"e c, n, e(%(/ +n *,nc ie de 'o", ,"de d%#e inc",)e/ )e )#% i"e)c de %nc$ de )ine )#$#$#o(. Fo( ,"%(e"e doc, en#e,#i"i&%#e !en#(, o!e(% i,ni"e c, n, e(%( )e +n#oc e)c !e ),!o(# (#ie )%, +n *o(e"ec#(onic$/ c%(e ,"#e(io( )e i !(i $ !e ),!o(# (#ie "% i !(i %n#$. N, $(," dee e !"%(e )e )#% i"e0#e de %nc$ de )ine )#$#$#o(/ +n con*o( i#%#e c, !(oced,in#e(ne %"e $ncii. 4n *o( ,"%(e"e doc, en#e"o( %*e(en#e o!e(% i,ni"o( c, n, e(%( n)e %d i# co(ec#$(i )%, 0#e()$#,(i. Pe doc, en#e"e ,#i"i&%#e "% o!e(% i,ni"e c, n, e)e %!"ic$ % !(en#% 0#% !i"ei 0i )e n$#,(i"e !e()o%ne"o( + !,#e(nici#e %"e B$ncii.

Ordinul de ncasare a numeraruluie)#e ,n doc, en# de c%)$ c%(e )e ,#i"i&e%&$"% o(ice #i! de +nc%)%(e % n, e(%(,",i de c$#(e %nc$ % +nc%)%(e% n, e(%(,"

23

Ordin dencasare a

numerarului

(e 'n oc#e e pen ru depunerile de numerar noperaiunile interne ale bncii , cu# ar "ires i uirea de a!ansuri spre decon are neu iliza e,

salarii nepl% i e, depunerea nu#erarului rezul a din!*nzarea "or#ularelor cu re+i# special, 'ncas%rilezilei preceden e 'n i#pul pro+ra#ului prelun+i delucru/

Borderounsoitor

B%ncile po or+anizadepunerea numerarului prin geni sigilate de c% re clienii cu un !olu# #are de 'ncas%ri/

Operaiunile de primire a nu#erarului prin casele de 'ncas%ri see"ec ueaz% 'n $aza ur#% oarelor docu#en e


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!e()o%ne"e *i&ice !en#(, %"i en#%(e% con#,(i"o( de de!o&i#/ !en#(, (e)#ic(edi#e"o( 0i +n %"#e c%&,(i . O(din," de +nc%)%(e )e +n#oc e0#e !en#(, de!,nen, e(%( +n o!e(% ii"e in#e(ne %"e $ncii/ c, %( *i (e)#i#,i(i de %'%n),(i )!(e decon#ne,#i"i&%#e/ )%"%(ii ne!"$#i#e/ de!,ne(e% n, e(%(,",i (e&,"#%# din '>n*o( ,"%(e"o( c, (e3i )!eci%"/ +nc%)$(i"e &i"ei !(eceden#e +n #i !," !(o3(% ,",i !(e",n3i# de ",c(,. O(din," de +nc%)%(e )e +n#oc e0#e +n #(ei e e !"%(e5 ,n," !en#con#% i"i#%#e/ ,n," !en#(, c%)ie(ie/ ,n," !en#(, c"ien#.

Borderoul nsoitor.B$nci"e !o# o(3%ni&% de!,ne(e% n, e(%(,",i !(in 3en i)i3i"%#e de c$#(e c"ien ii c, ,n 'o", %(e de +nc%)$(i. P(o3(% ," de de!,ne(e %3en i"o( )i3i"%#e )e )#% i"e0#e de %nc$ de co ,n %co(d c, c"ien ii +n %&%con#(%c# .

De!,ne(e% +nc%)$(i"o( "% %nc$ !(in 3en i )i3i"%#e )e !o%#e *%ce5 !(in co"ec#%(e de c$#(e )e('ici," de +nc%)%(e % '%"o(i"o( din c%d(," $ncii6 "% 3#e ,n o(de(o, +n)o i#o(. Pen#(, e*ec#,%(e% co"ec#$(ii/ +nc%)%# !(i i de "% 0e*," )e('ici,",i de +nc%)%(e ,( $#o%(e"e5

"i)#% %3en i"o( econo ici +nc%d(% i +n co"ec#%(e6 *o%i% (,#% de !%(c,()6

de"e3% i% !en#(, (idic%(e% 3en i"o(6 !e( i) !en#(, !o(#%( $6

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#% !i"% 0i ce"e"%"#e doc, en#e nece)%(e co"ec#$(ii !(e'$&,#e.

Con#(o"o(," 0i con#% i"," 'o( +n(e3i)#(% +n con#," c"ien#,",i ), % de %ni e i)#en#3e%n#$ 0i n, ce% en ion%#$ +n o(de(o, +n c%&," c>nd %ce)#e% ),n# di*e(i#e .

O!e(% i,ni"e deeli&erare a numerarului

!(in c%)e"e de !"$ i )e e*ec#,e%&$ +n %&% ,( $#o%(e"o( doc, en#e de c%)$5

%. %ele a ie %ne % = 6 . )rdinul de eliberare a numerarului %ne % 8 6

%i+ura 3.:. Doc, en#e !e(*ec#%#e +n c%d(," o!e(% i,ni"o( de e"i e(%(e % n, e(%",",i.

C%)ie(," !"$#i#o( !(i e0#e ,n %'%n) +n n, e(%( din c%)% de o!e(% i,ni dec%)ie(,"-0e* "% +nce!,#," *iec$(ei &i"e o!e(%#i'e )%, !e !%(c,() +n %&% )e nde!,)e +n (e3i)#(," %ce)#,i%.

Dele+a ie e)#e ,n in)#(, en# de !"%#$ !(in c%(e e i#en#," d$ o(din $ncii de %-e"i e(% "% !(e&en#%(e o %n, i#$ ), $.

Ordinul de "la#2e)#e +n#oc i# +n e e !"%(e/ ,n," !en#(, con#% i"i#%#e/ ,n," !en#(, c%)ie(ie/ ,n," !en#(, c"ien#. E" )e %i *o"o)e0#e 0i !en#(, +n(e3i)#(%(e%e'iden % con#% i"$ % de!,ne(ii e ceden#,",i de n, e(%( "% BNM 0i "% (edi)#(i ,i(n, e(%(,",i $nci"o( *i"i%"e"o( 0i )e +n#oc e0#e +n do,$ e e !"%(e/ din#(e c%(e ,n

!en#(, con#% i"i#%#e/ %"#," !en#(, c%)ie(ie.

25

Operaiunile de eliberare a nu#erarului prin casele de 'ncas%ri see"ec ueaz% 'n $aza ur#% oarelor docu#en e

%ele a ie

)rdin deeliberare a

numerarului

E)#e ,#i"i&%#$ !en#(,re#ra+erile de numerar dincon#urile curen#e de c2#re a+en i economici

Se *o"o)e #e !en#(,5 e*ec#,%(e% c


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O(din," de !"%#$ )e +n#oc e0#e de con#% i"," $ncii/ )e +n(e3i)#(e%&$ +n 1de c%)$ 0i )e #(%n) i#e "% c%)ie(ie !e c%"e in#e(n$. O(din," )e '% 0#% !i"% 0)e n% de !e()o%ne"e %,#o(i&%#e 0i )e '% (e)!ec#% %ce"%0i od de con#(o".

26


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Ca"i#olul III. OR/ANIZAREA I /E TI5NEA ACTIVIT II DE DECONTARE

P(in o!e(% i,ni"e de decon#%(e )e c(edi#e%&$ con#," ene*ici%(,",i !"$ ii 0de i#e%&$ con#," !"$#i#o(,",i/ B%nc% %'+nd (o"," de in#e( edi%(.

Ac#i'i#%#e% de decon#%(e +n c%d(," BC B%nc% de Econo ii S.A. co e(ci(e3"e en#e%&$ !(in ,( $#o%(e"e %c#e no( %#i'e5

7. Re3,"% en#," !(i'ind de)c


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7:. O(din Mini)#e(,",i Fin%n e"o( de)!(e %!(o %(e% Re3,"% en#,",i c, !(i'i(e "%od," de co !"e#%(e % o(din,",i de !"%#$ ,#i"i&%# "% e*ec#,%(e% #(%n)*e(,",i ,3"ei o"do'ene0#i n(. 7@ din @ .:8.7: MO n(.7=@-7=8 9; din @=.:8.7:

BC $Banca de Economii .A. e(ec#uea02 urm2#oarele #i"uri de ac#i)i#2>i dedecon#are'

De)c


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De "% !$)#(%(e% %ni"o( !+n% "% (e#(%3e(e% "o(/ +nc%)$(i/ !"$ i/ )%, #(%n)*e(BC B%nc% de Econo ii S.A. !(o!,ne +n#(e!(inde(i"o( !e()o%ne"o( 1,(idice+n#(e!(in&$#o(i"o( indi'id,%"i/ !e()o%ne"o( *i&ice c%(e !(%c#ic$ %"# #i! de %de)c


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@. *i0% c, )!eci ene de )e n$#,(i 0i % !(en#% 0#% !i"ei "e3%"i&%#$ no#%(e e !"%(e 6. co!i% doc, en#,",i ce con*i( $ +n(e3i)#(%(e% de )#%# )%, co!i% %c#,",i "e3i))%, no( %#i' !(in c%(e )e %!(o $ (e3,"% en#," )%, )#%#,#," !e()o%nei 1,(idice69. co!i% doc, en#e"o( de con)#i#,i(e %c#," con)#i#,#i'/ )#%#,#,"/ (e3,"% en#," 6. co!i% ce(#i*ic%#,",i de %#(i ,i(e % cod,",i *i)c%" )%, co!i% doc, en#,"

(ec,no)c,# c% %#%(e. co!i% %c#,",i de iden#i#%#e % !e()o%nei c%(e !(e&in#$ doc, en#e"e !

de)cin cer#i(ica# de a#ri&uire a codulu(i!cal'

7. ce(e(e% de de)cii elec#orali de!c1id con#ul cu men>iunea @%ond elec#oral

"en#ru "erioada ale+erilor locale "arlamen#are' 7. ce(e(e% de de)c


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. *i0% c, )!eci en," de )e n$#,(i 0i % !(en#% 0#% !i"ei/ "e3%"i&%#$ no#%(i%e e !"%(e6

9. co!i% %c#,",i de iden#i#%#e %" !e()o%nei c%(e !(e&in#$ doc, en#e"e de)ciei n )i+oare !e nre+i!#rea02 la Camera 9nre+i!#r2rii de #a# a Mini!#erului De0)ol#2riiIn(orma>ionale' 7. ce(e(e% de de)ciei n )i+oare7 !e nre+i!#rea02 la al#e or+ane de !#a#' 7. ce(e(e% de de)c


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. co!i% doc, en#e"o( de con)#i#,i(e/ !en#(, !e()o%ne"e c%(e de# in %ce)doc, en#e6

. co!i% %c#,",i de iden#i#%#e %" !e()o%nei c%(e !(e&in#$ doc, en#e"e de)ci'

ce(e(e% de de)c


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ce(e(e%-#i! de de)c


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. %c#," 1,(idic %,#en#i*ic%# no#%(i%" )%, co!i% %c#,",i "e3%"i&%#$ n%#e)#$ + !,#e(nici(i"e !e()o%nei de % de)c


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9. co!i% %c#,",i de iden#i#%#e %" !e()o%nei c%(e !(e&in#$ doc, en#e"e de)cii elec#orali de!c1id con#ul cu men>iunea @%ond elec#oral7 "en#

"erioada ale+erilor locale "arlamen#are'7. ce(e(e% de de)ciei n )i+oare7 !e nre+i!#rea02 la al#e or+ane de !#a#'

35


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7. ce(e(e% de de)c


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Pla(onul de +aran#are a de"o0i#elor ), % % i $ !"%#i i"$ ,n,i de!onen# /::: "ei o"do'ene0#i/ indi*e(en# de n, $(," 0i $(i e% de!o&i#e"o( )%, '%",#$ +nc%(e %, *o)# de!o&i#e"e con)#i#,i#e "% %nc$.

In*o( % i% de#%"i%#$ de)!(e #i!,(i"e de de!o&i#e 3%(%n#%#e 0i ce"e ne3od," de c%"c,"%(e % ), ei 3%(%n#%#e 0i de !"%#$ % co !en)% ii"o( e)#e %cce)), di'i&i,ni"e $ncii *i"i%"e 0i %3en ii 0i "% )edi," Fond,",i de 3%(%n#%de!o&i#e"o( +n )i)#e ," %nc%(.CARD BANCAR

Pen#(, % de)c


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;. )o"ici#%(e% c# 0i +n )i)#e e"e !e %&$ de (#ie c, e*eo!e(% iei !(in in#e( edi," i !(in#e(,",i 0i #e"e*on,",i in*o( % i% de !e c%(d )e#i!$(e0#e !e ,n cec )!eci%" 0i/ !(in #e"e*on/ %nc% e i#en#$ con*i( $ )o"d," de c%de#in%#o(,",i . Ace%)#% e#od% e)#e %i de) ,#i"i&%#$ +n c%&," c>nd !o)e)o(,")e %*"$ !e)#e


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L% de)c


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Carduri pentru persoanele uridiceBC B%nc% de Econo ii S.A. !(o!,ne !e()o%ne"o( 1,(idice c%(d,(i %nc%(e d

%*%ce(i - M%)#e(C%(d B,)ine)). C%(d," M%)#e(C%(d B,)ine)) *%ce !%(#e di)i)#e ,",i de !"%#$ M%)#e(C%(d o("d ide 0i e)#e de)#in%# !e()o%ne"o( 1,(idice)co!," de % %)i3,(% c


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Po)i i"i#%#e% de % de)c


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Re)!on)% i"i#%#e% !(i'ind 'e(idici#%#e% 0i co(ec#i#,dine% in*o( % iei indico(din," de !"%#$ +i (e'ine e i#en#,",i.

O(din," de !"%#$ pe suport de h#rtie se prezint! la banca pl!titoare n num!rulde e$emplare necesar p!rilor:

% +n#(-,n )in3,( e e !"%( +n c%&," e i#e(ii de c$#(e %nc% !"$#i#o%(e*ec#,%(e% #(%n)*e(,",i de c(edi# +n n, e 0i !e con# !(o!(i,6

+n @ e e !"%(e +n c%&," e i#e(ii de c$#(e #i#,"%(," de con# %nc%(/ !(ec, 0c$#(e %nc% !"$#i#o%(e "% e*ec#,%(e% #(%n)*e(,",i +n n, e"e #i#,"%(,",i de con#

c +n e e !"%(e +n c%&," e i#e(ii de c$#(e #i#,"%(," de con# %nc%( "% e*ec#(%n)*e(,",i de c(edi# +n %d(e)% 4n#(e!(inde(ii de S#%# ?Po0#% Mo"do'ei/ "%ne e%&$ "% nece)i#%#e 0i e e !"%(e %"e "i)#ei de)#in$#%(i"o( i1"o%ce"o( $n

L% e*ec#,%(e%transferului sumelor ncasate n numerar de la persoanele fizicen favoarea bugetului public naional sau n favoarea unui beneficiar c, c%(e %nc% !"$#i#o%(e n, %(e +nc


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Ordinul de plata se prezint!"se transfer! )!(e e ec,#%(e "% %nc% !"$#i#o%(e dc$#(e e i#en# )%, de c$#(e !e()o%n% + !,#e(nici#$ % %ce)#,i% n 0iua n care a (o!#emi!/ i%( in c%&," e i#e(ii o(din,",i de !"%#$ de c$#(e ,ni#%#e% T(e&o(e(iei d%ce)#% )e !(e&in#$ )!(e e ec,#%(e "% %nc% !"$#i#o%(e c, d%#% e i#e(ii +n%n,",i ,3e#%( c,(en#.

E i#en#," !o%#e (e'oc% o(din," de !"%#% !>n$ "% o en#," e ec,#$(ii %ce)#,i%c$#(e %nc% !"$#i#o%(e.

&cceptarea i e$ecutarea ordinului de plat! de c!tre banca pl!titoare Banca pl!titoare accept! )!(e e ec,#%(e OP d%c$ ),n# (e)!ec#%#e ,( $#o%(e"e

condiii 5% pltitorul are desc*is cont bancar la banca pltitoare +n con*o( i#%#e c,

!(e'ede(i"e %c#e"o( no( %#i'e in 'i3o%(e6 mi2loacele bneti din contul pltitorului sunt su#iciente !en#(, e*ec#,%(e%

#(%n)*e(,",i6c asupra mi2loacelor bneti din con#," !"$#i#o(,",inu sunt aplicate restricii

!(i'ind ,#i"i&%(e% %ce)#o(% din !%(#e% o(3%ne"o( % i"i#%#e !(in "e3e6

d e)#e +ntocmit n con#ormitate cu prevederile Re ulamentului- e este anexat documentul 2usti#icativ/ +n c%&," +n c%(e %ce)# *%!# e)#e !(e'$&,

%c#e"e no( %#i'e +n 'i3o%(e.Ordinul de plat! neacceptat )!(e e ec,#%(e se restituie de ctre banca !"$#i#o%(e

e i#en#,",i c, indic%(e% o#i',",i (e*,&,",i.B%nc% !"$#i#o%(e in*o( e%&$ !"$#i#o(,"/ !(in#(-o od%"i#%#e con'eni#$ c

de)!(e %cce!#%(e% )%, ne%cce!#%(e% o(din,",i de !"%#$ )!(e e ec,#%(e.B%nc% !"$#i#o%(e #(ece "% )c$de(i ), % +n)c(i)$ +n o(din," de !"%#$ %cce

e ec,#%(e +n (iua pre(entrii acestuia/ 0i +" #(%n) i#e +n %cee%0i &i5% !(in in#e( edi," SAPI +n %d(e)% $ncii ene*ici%(e6 !(in )i)#e ," in#e(n %" $ncii +n %d(e)% ene*ici%(,",i/ +n c%&," +n c

!"$#i#o(," 0i ene*ici%(," )e de)e('e)c +n %cee%0i %nc$6

c !(in %"# )i)#e ,#i"i&%# de %nc$ +n c%&," #(%n)*e(,",i +n '%",#$ )#($in$.

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B%nc% !"$#i#o%(e e$ecut! ordinul de plat! acceptat spre e$ecutare aferenttransferului urgent in con*o( i#%#e c, condi ii"e )#% i"i#e 0i de&'$",i#e +n !(e%" !"$#i#o(,",i ce" !, in "i i#% de #i ! +n c%(e o(din," de !"%#$ '% *i e ec,#%# de c %nc$/ ,"#i e"e 'o( *i %*i0%#e !e !%3in% e o*ici%"$ % $ncii co e(ci%"e 0i !e !%+n o*icii"e )%"e %nc%(e .

La solicitarea pltitorului1 banca pltitoare con#irm timpul transmiteriiordinului de plat a#erent trans#erului ur ent +n %d(e)% $ncii ene*ici%(e !(inin#e( edi," SAPI )%, +n %d(e)% ene*ici%(,",i !(in )i)#e ," in#e(n %" $ncii.

P(i ," e e !"%( %" o(din,",i de !"%#$ )e inc",de +n do)%( de c$#(e %nc !"$#i#o%(e.

B%nc% ene*ici%($/ d,!$ (ece! ion%(e% o(din,",i de !"%#$ de "% %nc% !"$ !(in in#e( edi," )i)#e ,",i %,#o %#i&%# de !"$ i in#e( %nc%(e/efectueaz! n aceeai zilucr!toare controlul corectitudinii indic$(iicontului bancar i a codului fiscal albeneficiarului . D%c$ %ce)#e in*o( % ii ),n# co(ec#e %nc% +n(e3i)#(e%&$ ii1"o%ce"e $ne0#i +n con#," %nc%( %" ene*ici%(,",i/ #i!$(e0#e @ e e !"%

o(din,",i de !"%#$ 7 ene*ici%(,",i/ @ +n do)%( . 4n c%& con#(%( #(%n)*e(," d

)e con)ide($ ne*in%"i&%#/ %nc% ene*ici%($ (e)#i#,ie $ncii !"$#i#o%(e ), % (en, %i #>(&i, de &i,% ",c($#o%(e ,( $#o%(e ce"ei +n c%(e %ce%)#% % *o)#+n#oc ind ,n o(din de !"%#$. 4n o(din%" de !"%#$ )e indic$ cod," #(%n&%c iei 0(e*e(in $ "% o(din," de !"%#$ #(%n) i) e(on%#.

Cererea de "la#a%ne % 7= -ce(e(e% ene*ici%(,",i de % i )e #(%n)*e(% +n c",i o %n, i#$ ), $ +n %&% doc, en#e"o( de "i'(%(e % $(*ii/ e*ec#,%(e% )e('icii"o(

+nde!"ini(e% doc, en#e"o(.Pen#(, e*ec#,%(e% %ce)#o( !"$ i e)#e nece)%( )$ )e %)i3,(e ,n c%d(, 1,(idic

!%(#ici!%n ii "% #(%n&%c ii 0i +n#(e %ce0#i% 0i $nci"e "o( !(i'ind de(,"%(e% o!De i#%(e% con#,",i %nc%( %" !"$#i#o(,",i de c$#(e %nc% !"$#i#o%(e )e e*

+n con*o( i#%#e c,mandatul de debitare direct!%ne % 78 / i%( c(edi#%(e%co(e)!,n&$#o%(e de c$#(e %nc% ene*ici%($ % con#,",i %nc%( %" ene*ici%

con*o( i#%#e c,anga amentul privind debitarea direct!%ne % @: .

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'andatul de debitare direct! e)#e ,n %c# 1,(idic !(in c%(e !"$#i#o(," %co(d$ + !,#e(nici(e ,n,i %n, i# ene*ici%( !en#(, % e i#e ce(e(i de !"%#$/ !(ec, 0i $ncii !"$#i#o%(e !en#(, %-i de i#% con#," c, ), e"e indic%#e +n ce(e(i"e de !"%#+n#oc e0#e +n e e !"%(e/ )e "e3%"i&e%&$ c, )e n$#,(i"e !e()o%ne"o( + !,#e(nic%"e !"$#i#o(,",i 0i ene*ici%(,",i/ 0i se pre(int de ctre pltitor la banca pltitoare.B%nc% !"$#i#o%(e 'e(i*ic$ 0i d,!$ c%& %cce!#$ %nd%#," de de i#%(e di(e"e3%"i&%(e% #,#,(o( e e !"%(e"o( %ce)#,i% c, )e n$#,(i"e !e()o%ne"o( + !,#e(nici# $ncii. 7 - "% %nc% !"$#i#o%(e/ i%( @ !"$#i#o(,",i/ - ene*ici%(,",i .

&nga amentul privind debitarea direct! e)#e %co(d," +nc


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4n c%&," +n c%(e %nc% ene*ici%($ n, !(i e0#e ce(e(e% de !"%#$ )!(e e ec%ce%)#% )e (e)#i#,ie ene*ici%(,",i c, indic%(e% o#i',",i (e*,&,",i.

Pe !(i ," 0i %" doi"e% e e !"%(e %"e ce(e(ii de !"%#$ !(i i#e )!(e e ec,#%(e )%!"ic$ en i,ni"e nece)%(e.

B%nc% ene*ici%($ #(%n) i#e ce(e(e% de !"%#$ +n SAPI c, @ &i"e ",c($#o%de d%#% *in%"i&$(ii !"$ ii.

Bene*ici%(," !o%#e %n,"% o ce(e(e de !"%#$ !(e&en#%#$ "% %nc% ene#e( en," 0i od," con'eni# c, %nc% ene*ici%($.

Cel t#rziu n ziua lucr!toare urm!toare celei n care a fost primit! ce(e(e% de !"%#$/ %nc% !"$#i#o%(e e*ec#,e%&$ con#(o"," !o)i i"i#$ ii e ec,#$(ii %ce)#ei% ,( $#o%(e"e5

% co(ec#i#,dine% indic$(ii con#,",i %nc%( 0i cod,",i *i)c%" %" !"$#i#o(,",i6 co(e)!,nde(e% ce(e(ii de !"%#$ %nd%#,",i de de i#%(e di(ec#$6c !o)i i"i#%#e% de i#$(ii con#,",i %nc%( %" !"$#i#o(,",i c, ), % in#e3(%"$ ind

+n ce(e(e% de !"%#$6d n, ),n# %!"ic%#e (e)#(ic ii din !%(#e% o(3%ne"o( % i"i#%#e !(in "e3e de

i1"o%ce"e din con#," !"$#i#o(,",i.4n ca(ul n care cererea de plat nu este acceptat )!(e e ec,#%(e/ %nc%

!"$#i#o%(e #(%n) i#e +n SAPI no#i*ic%(e% !(i'ind (e*,&," e ec,#$(ii %ce)#ei%.4nca(ul n care cererea de plat este acceptat )!(e e ec,#%(e/ %nc% !"$#i#o%(e

de i#e%&$ con#," %nc%( %" !"$#i#o(,",i/ i !(i $ !e ),!o(# (#ie do,$ e e !"%(e %ce(e(ii de !"%#$ !e c%(e %!"ic$ en i,ni"e nece)%(e 7 - +n do)%(/ @ - )e (e i#e/ %"

"% e #(%)," de con#/ !"$#i#o(,",i .Cel t3r(iu n (iua lucrtoare urmtoare celei n care a #ost primit din

in#ormaia cu privire la compensarea i decontarea cererii de plat %nc% ene*ici%($c(edi#e%&$ con#," ene*ici%(,",i c, ), % indic%#$ +n ce(e(e% de !"%#$ 0i en i,ni"e nece)%(e !e % e"e e e !"%(e 7 - +n do)%(/ @ ene*ici%(,",i .

4n c%&," +n c%(e %nc% ene*ici%($ !(i e0#e in*o( % i% !(i'ind nee ec,#%

ce(e(ii de !"%#$/ %ce%)#% in*o( e%&$ ene*ici%(," +n *o( % con'eni#$ c, %ce)#%

46


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Mod%"i#%#e% de e*ec#,%(e % de i#$(ii di(ec#e +n c%&," +n c%(e !" ene*ici%(," )e de)e('e)c +n %cee%0i %nc$ )e e"% o(e%&$ de )ine )#$#$#o( d %nc$/ in>nd con# de Re3,"% en#.

Ordinul INCA O; Pe(ce!e(e% +n od incon#e)#% i" % i1"o%ce"o( $ne0#i dcon#,(i"e %nc%(e %"e de i#o(,",i )e e*ec#,e%&$ de c$#(e %nc$ +n %&%ordinuluiincaso e i) de c$#(e !e()o%n% % i"i#%#$ !(in "e3e c, %ce)# d(e!#/ c, e ce! i% !e(ce!e+n od incon#e)#% i" % i1"o%ce"o( $ne0#i din con#,(i"e %nc%(e %"e T(e&o(S#%#.

Ordinul incaso )e e i#e n limba de stat 0i )e +n%in#e%&$ %#># "% con#," de)c(&i, de &i,%

",c($#o%(e ,( $#o%(e ce"ei +n c%(e %ce%)#% % *o)# !(i i#$/ +n#oc ind ,n o(din dindic>nd cod," #(%n&%c iei 0i (e*e(in % "% o(din," inc%)o #(%n) i) e(on%# d !"$#i#o%(e.

49


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Ca"i#olul IV. OR/ANIZAREA I /E TI5NEA ACTIVITATIIDE CREDITARE

O!e(% i,ni"e de c(edi#%(e oc,!$ ,n "oc i !o(#%n# +n (e"% ii"e )oci%"-econo

C(edi#," e !(i $ (e"% ii"e econo ice c%(e %!%( +n#(e c(edi#o( 0i de i#o( +n c% !(oce),",i de (edi)#(i ,i(e #e !o(%($ % i1"o%ce"o( #e !o(%( "i e(e.

Ac#i'i#%#e% de c(edi#%(e )e (e3"e en#e%&% !(in ,( %#o%(e"e %c#e no( %#i'7. Re3,"% en# c, !(i'i(e "% %co(d%(e% de c$#(e $nci"e co e(ci%"e % c(edi#e"

con)o( i, din : .:@.8 MO %" RM n(. =- 8 77 din 79.:;.788@. Re3,"% en#," !(i'ind #(%n&%c ii c, !e()o%ne %*i"i%#e $ncii N(.7 :8

7:.77.788 MO %" RM n(. ; din :.77.788. Re3,"% en#," c, !(i'i(e "% e !,ne(i"e %(i n(. :8 %!(o %# de CA %" BNM !(in P(oce)-'e( %" n(. ; din [email protected] MO %" RM NR.;: 7 din 79 [email protected]

9. Re3,"% en# c, !(i'i(e "% %co(d%(e% c(edi#e"o( de c$#(e $nci *,nc ion%(i"o N(. :8-:7%!(o %# de CA %" BNM !(in P(oce)-'e( %" n(.9 din 7=.:8.788

. Re3,"% en#," c, !(i'i( e "% %c#i'i#%#e% de c(edi#%(e % $nci"o( c%(e o!e(eRe!, "ic% Mo"do'% %!(o %# !(in HCA %" BNM N(.7 din @ [email protected]; MO %" Rn(.= @9 din :.:7.788=

. Re3,"% en# !(i'ind *%ci"i#$ i"e !e( %nen#e de c(edi#%(e %co(d%#e $nci"oc$#(e BNM %!(o %# !(in HCA n(.;: din @ .: .@::

;. Re3,"% en#," c, !(i'i(e "% c"%)i*ic%(e% %c#i'e"o( 0%n3%1% en#e"o( condi ion%"e 0i *o( %(e% (ed,ce(i"o( !en#(, !ie("% %c#i'e 0i !(o'i&io%ne"o( !en#(, !ie(de(i "% %n3%1% en#e condi ion%"e %!(HCA %" BNM n(.@@9 din :.:=.@::; MO %" RM n(.798-7 @ din @7.:8.@::;

=. Re3,"% en#," !(i'ind condi ii"e de %co(d%(e (e&iden i"o( % c(edi#e"o( +n '% )#($in$ de c$#(e $nci"e "icen i%#e %!(o %# !(in HCA %" BNM n(.7 din @@.:7.@

Condi iile de acordare a credi#elor "en#ru "er!oane (i0ice'7 C(edi#e Lo %(d@ C(edi#e I!o#ec%

C(edi#e de Con),9 Le%)in3

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I!o#ec% ;:Credi#ele Lom&ard. N, %i "% BC B%nc% de Econo ii S.A. c"ien ii !o#

ene*ici% #i ! de c>#e'% in,#e de ,n + !(, ,# $ne)c ), 3%1," e#%"e"o( !(e io%)e.E)#e ,"# %i ,0o( 0i %i )i3,( dec+# "% c%)e"e de % %ne# "o %(d . Pen#(, % o i,n c(edi# e)#e ),*icien# c% c"ien ii )$ %i $ ,"e#in," de iden#i#%#e 0i o iec#e" '%"o%(e !e c%(e "e 'o( !(ed% +n 3%1 "% !(i i(e% c(edi#,",i. 4 !(, ,#," )e !o%#e %ci +n (%#e. Lo %(d," de "% BC B%nc% de Econo ii S.A. 3%(%n#e%&$ !$

o iec#e"o( +n )i3,(%n $ 0i o*e($ % i $ con*iden i%"i#%#e.C(edi#e"e )e %co(d%#$ ce#$ eni"o( Re!, "icii Mo"do'% c%(e %, %#in) '+()#%

!, in 7= %ni. Suma creditului e)#e *i %#$ +n con*o( i#%#e c, ), % e'%",%#$ % 3%1,",i/ c#(e ,ie )$ %)i3,(e +n #o#%"i#%#e (% ,()%(e% c(edi#,",i 0i %c


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Rata dob3n(ii! 7; %n,%"6 Rambursarea creditului5 !"$ i ",n%(e !e %&$ de %n,i#%#e. Asi urarea creditului5 B,n,(i"e i o i"e !(oc,(%#e din con#," c(edi#,",i )%,

!(o!(ie#%#e% !e()o%ne"o( #e( e.Comision de acordare5 ini 7 din '%"o%(e% c(edi#,",i6 "% +nce!,#," *iec%(,i

%n ,( $#o( ini :/ din )o"d," c(edi#,",i.Criterii minime de eli ibilitate! S$ *ie (e&iden# %" Re!, "icii Mo"do'%6 S$ %#in3$ '>()#% ini $ de @7 de %ni/ i%( #e( en," *in%" de %c


53/88

Credi#e de con!um.C(edi#e"e !o# *i %co(d%#e !e()o%ne"o( *i&ice/ (e&iden Re!, "icii Mo"do'%/ c, '>()#% c,!(in)$+n#(e @7 i de %ni/ c%(e di)!,n de ),()e de 'eni# )#% i"e i ,n,(i i o i"e de '%"o%(e ),*icien#$ !en#(, %co!e(i(e% o "i3% i,nii d c(edi# !(o!(ie#%#e !(o!(ie )%, !(o!(ie#%#e% !e()o%nei #e( e .

Suma unui credit! de "% 7: ii "ei !>n$ "% : ii "ei inc",)i' #e( en !>n% "% @9 de ",ni6 de "% : ii "ei !>n$ "% @:: ii "ei #e( en !>n$ "% 9= ",ni.Comision! @ din ), % c(edi#,",i )e %c


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55/88

Po"i#% de %)i3,(%(e edic%"% o "i3%#o(ie6 E #(%) din con# %nc%( c,(en#/ de c%(d/ %"#e 6 Doc, en#e"e c%(e ce(#i*ic% d(e!#," de !(o!(ie#%#e %),!(% ,n,(i"o( i o i"e %

)o"ici#%n#,",i )%, % (,de"o( )o"ici#%n#,",i de 3(%d," I6 F%c#,(i"e )e('icii"o( co ,n%"e !en#(, ,"#i % d%#% (ecen#%6 Con*i( %(e% de "% F,(ni&o( % !%(% e#(i"o( #e()#% ini $ de @7 de %ni/ i%( #e( en," *in%" de %c


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Ace"e% i %c#e ),n# nece)%(e !en#(, )o ie / +n c%&," +n c%(e )o"ici#%n# ),()e"e de (% ,()%(e ),*icien#e6

Con#(%c#," i !o"i % de %)i3,(%(e de 'i% $ i !ie(de(ii c%!%ci#$ ii de , +nc# i !e ,n #e( en i ",n3.

5aloarea creditului )e )#% i"e #e +n de!enden $ de nece)i#%#e% i )i#,% *in%nci%($ % co !%niei.

Creditul solicitat poate #i acordat pentru! Co !"e#%(e% i1"o%ce"o( ci(c,"%n#e i %cn$ "% ",ni c%"end%(i)#ice6

4n )co! i # co !"e#%(e% i1"o%ce"o( ci(c,"%n#e/ e*ec#,%(e% in'e)#i ii"o

%c


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%i 'ec


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Ca"i#olul V. OR/ANIZAREA I /E TI5NEA ACTIVIT II ECONOMICO %INANCIARE

Ac#i'i#%#e% %nc%($ e)#e ),!,)$ ,nei 3% e "$(3i de (i)c,(i/ c, %( *i (i)c," de

c(edi#/ (i)c," de "ic


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de c$#(e BC B%nc% de Econo ii S.A. e)#e )#% i"i#$ !en#(, % iden#i*ic% 0i %(i)c,(i"e "% c%(e e)#e e !,)$ %nc%/ !en#(, % )#% i"i "i i#e"e %dec'%#e de (i)c 0i c0i !en#(, % oni#o(i&% (i)c,(i"e 0i (e)!ec#%(e% "i i#e"o( de (i)c. Si)#e ," de 3e)#ion% (i)c,(i"o( 0i !o"i#ici"e %*e(en#e ),n# (e'i&,i#e !e(iodic !en#(, % (e*"ec#% )cnd o ,n$ iden#i*3e)#ion%(e % (i)c,(i"o( %c#i'i#$ ii %nc%(e/ !,n>nd "% di)!o&i ie ),!o(#," in*o( %o!#i !en#(, %do!#%(e% deci&ii"o(.4n %ce)# od ),n# c(e%#e condi ii %dec'%#e !en%!(ecie(e% (i)c,(i"o( +n %n)% ",/ %)i3,(%(e% *,nd% en#$(ii ,no( o!inii !(,den#eo!#%(e% !en#(, deci&ii ec


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(e*e(i#o%(e "% di'e()i*ic%(e% !o(#o*o"i,",i 0i ini i&%(e% (i)c,",i6 i !"e en#%(e% !o"i#ici con)e('%#o%(e 0i #o#od%#$ *"e i i"e de %)i3,(%(e

% c(edi#e"o(/ inc",)i' in>nd con# de e'o", ii"e +n(e3i)#(%#e !e !ie e"e #(%n&%c ion%(e % 3%(%n ii"o( %cce!#%#e e#c.

Ri!cul de lic1idi#a#e (i)c," !ie(de(i"o( "% c%(e e)#e ),!,)$ %nc% +n c%&,inc%!%ci#$ ii %ce)#ei% de % %)i3,(% ono(%(e% o "i3% i,ni"o( )%"e +n #e( en 0i

#o#%"i#%#e. Ace)# (i)c %!%(e +n )i#,% i% inc%!%ci#$ ii $ncii de %-0nece)i#$ i"e de n, e(%( !en#(, ono(%(e% o "i3% i,ni"o( )%"e )%, c% (e&,"#"icn)$ co(e"%(e c, %&% de (e),()e 0i )#(,c#,(% $ncii. P(inci!ii"e 0i !(eoc,!$(i"e de %&$ %*e(en#e 3e)#i,nii %ce)#,i (i)c )e (e*e(,( $#o%(e"e5 3e)#i,ne% co !"e $ 0i )i)#e ic$/ d,!$ #e( ene 0i '%",#e % )#(,c#,(ii !o(#o*o"i,",i de %c#i'e 0i (e),()e6 en ine(e% ,n,i !o(#o*o"i, di'e()i*ic%# de %c#i'e condi ii"e %)i3,($(ii %1o($(ii !(o*i#% i"i#$ ii %ce)#o(%6 !(o3no&%(e% &cn&ii c, (%#% *"o#%n#$6 3e)#i,nii ni'e",",i (%#e"o( do >n&ii !(%c#ic%#e deo!e(% i,ni"e %c#i'e 0i !%)i'e6 in)#i#,i(ii ec%ni) ,",i ,"#ini'e" de %do!#%(e %deci&ii"o(6 %n%"i&% indic%#o(i"o( de %c#i'i#%#e 0i e*icien $ %*e(en i %%#(%3e(e !"%)%(e5 (%#e"e edii %"e do >n&i"o(/ )!(e%d/ %(1% ne#$ de do >nd$

Ri!cul )alu#ar (i)c," !ie(de(i"o( din *",c#,% ii"e !e !i% $ % c,(),",i '%",#%( %onedei n% ion%"e *% $ de '%",#% )#($in$. Ri)c," de c,() de )c


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)cnd c, %&% no( %#i'$/ "% ini i&(i)c,",i o!e(% ion%" +n c%d(," $ncii. Ni'e"," +n%"# de #ei !"e en#%(e% ,n,i )e# de !o"i#ici 0i )#%nd%(de +n do eni," )ec,(i#$ ii 0i con#in,i#%c#i'i#$ ii TI/ "i i#%(e% %cce),",i "% in*o( % ie %#># "% ni'e" #e# 0i de%"i en#%(e% %,#ono $ c, ene(3ie e"ec#(ic$ % )i)#e e"o( i !o(#%n#e/ c(e%(e% co

de (e&e('$ % d%#e"o( 0i en ine(e% %ce)#o(% +n %"#e )!% ii dec># )e('e(," d(e+nnoi(e% !e( %nen#$ % i1"o%ce"o( #e


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odi*ic%(e% )#(,c#,(ii de *in%n %(e % %c#i'e"o( !e #e( en ",n36 de&'o"#%(e% ,no( e#ode ),!"i en#%(e de %n#ici!%(e % ce(e(ii de "icn&ii con*o( $ #(end,",i !ie ei 0i ce

#(%di ion%"e !(o o'%#e de %nc$6 3e)#i,ne% !(,den#$ % %c#i'i#$ i"o( de %#(%3e(e 0i !"%)%(e % (e

3ene(%#o%(e de do >n&i +n 'ede(e% (ed,ce(ii e !,ne(ii "% (i)c," (%#ei do >n&ini i&$(ii 'o"%#i"i#$ ii 'eni#,",i ne# din do >n&i.

de(,"%(e% ,nei !o"i#ici #%(i*%(e ec


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Ac#i'i#%#e% '%",#%($ i (e"% ii in#e(n% ion%"e e)#e ,n% din !(inci!%"e"e % %nc%(e. Ac#i'i#%#e% '%",#%($ i (e"% ii in#e(n% ion%"e )e (e3"e en#e%&$ !(in ,( $#o%(e"e %c#e no( %#i'e5

7. Le3e% !(i'ind (e3"e en#%(e% '%",#%($ n(. @- VI din @7 %(#ie @::= MORe!, "icii Mo"do'% n(.7@;-7 : 98 din 7=.:;.@::=

@. Re3,"% en#," c, !(i'i(e "% ,ni#$ i"e de )c


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L% e*ec#,%(e% o!e(% i,ni"o( de )cnd d%#% (e",$(ii %c#i'i#$ ii.

Pen#(, o!e(% i,ni"e de )c


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Pen#(, e*ec#,%(e% o!e(% i,ni"o( de )c


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primul rup de '%",#e )#($ine do"%( SUA/ e,(o /al doilea rup de '%",#e )#($ine (, "% (,)e%)c$/ "e," (o >ne)c/ n&%(e +n co"o%ne )e!cursurile de cumprare +n co"o%n% din !%(#e% )#>n3%/cursurile de v3n(are +n co"o%n% din !%(#e% d(e%!#$.* di)!o&i i% !(i'ind co i)io%ne"e %!"ic%#e "% e*ec#,%(e% o!e(% i,ni"o( de )

'%",#%( +n n, e(%( c, !e()o%ne *i&ice. In*o( % i% !(i'ind co i)io%ne"e )e %*i0e% !%no," de (ec"% $/ ,#i"i&>nd %ce"%0i #i! de c%(%c#e(e c% 0i "% in*o( %c,(),(i"e de c, !$(%(e 0i '>n&%(e.

3 %'i&," %'>nd ,( $#o(," con in,#5? 4n ca(ul unor reclamaii1 obiecii sau propuneri vi(avi de activitatea unitii de

sc*imb valutar1 clientela poate! 6 depune o petiie la $"M pe adresa! bd- +-5ieru 71 M%6/8891 mun- C*i inu1

sau

6 sa le relate(e $ncii "aionale a Moldovei la numrul de tele#on //:6;(0i#," !(o3(% ,",i de ",c(,/ in*o( % i% %*i0%#$ de)!(e c,(),(i"e d

c, !$(%(e 0i '>n&%(e )#% i"i#e !en#(, &i,% d%#% ,( e%&$ % *i ),)#(%)$ de !e !%de (ec"% $. 4n c%&," +n c%(e ,ni#%#e% de )c


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+nd(, %(," '%",#e"o( )#($ine6c %!%(%# !en#(, 'e(i*ic%(e% %,#en#ici#$ ii %ncno#e"o( !en#(, *iec%(e 3


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De %)e ene% BC B%nc% de Econo ii S.A. o*e($ !e()o%ne"o( 1,(idi !o)i i"i#%#e% de % e*ec#,% o!e(% i,ni"e de '+n&%(e c, !$(%(e % onedei n% ion'%",#% )#($in$ "% o(ic%(e din *i"i%"e 0i %3en ii !"%)%#e +n di*e(i#e "oc%"i#$ i

BC ?B%nc% de Econo ii S.A o*e($ ,( $#o%(e"e o!e(% i,ni5Tran0ac>ii de !c1im& )alu#ar la )edere ?i la #ermenBC B%nc% de Econo ii S.A. c, !$($ 0i 'inde !(inci!%"e"e '%",#e

con'e(#i i"e con#(% "ei 0i de %)e ene% e*ec#,e%&$ #(%n&%c ii c(o)) +n#(econ'e(#i i"e . T(%n&%c ii"e '%",#%(e !o# *i e*ec#,%#e c, decon#%(e +n %c#od%J / &i,% ,( $#o%(e #o o((o / "% 'ede(e )!o# 0i "% #e( en *o( %(d .

Con#rac# (or ard "e cur!ul de !c1im& Caracteristici!

in)#(, en# *in%nci%( de(i'%# de)#in%# !e()o%ne"o( *i&ice/ !e()o%ne"o( 1%"#o( $nci6

(e!(e&in#$ ,n con#(%c# +ncn&$#o( c%(e !o%#e *i o %"#$ %nc$/ ,n c"ien# !e()o%n$ *i&ic

1,(idic$/ !(in c%(e/ ce"e do,$ !%( i +-0i e !(i $ %co(d," %),!(% )c


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!(o#e1%(e% + !o#(i'% (ed,ce(ii +n 'ii#o( % (%#ei de )c


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Con#rac# ! a" "e de)i0e F"e cur!ul de !c1im&G. Caracteristici!

in)#(, en# *in%nci%( de(i'%# de)#in%# !e()o%ne"o( *i&ice/ !e()o%ne"o( 1%"#o( $nci6

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de)e('i(e/ en in>nd #o#od%#$ +n %n," @:77 o co#$ de !i% $ % #(%n)*e(,(i"o( (%7@ . 4n condi ii"e ,n,i edi, *in%nci%( in#e(n% ion%" in)#% i" !e !%(c,()," %n@:77/ BC B%nc% de Econo ii S.A. % % o(d%# (e"% ii"e de co(e)!onden $ !(in !(ini i&$(ii #,#,(o( (i)c,(i"o( i !"ic%#e. Ace)# ",c(, % *o)# !o)i i" d%#o(i#$oni#o(i&$(ii in, io%)e con#in,e % )#$(ii 0i din% icii *in%nci%(e % $ncco(e)!onden#e 0i 3e)#ion%(e% e*icien#$ % "ic# *% $ de c"iende !%(#ene(i. 4n con",c(%(e c, B%nc% N% ion%"$ % G(eciei 0i B%nc% Po Sond(io/ +n c%d(," BC B%nc% de Econo ii S.A. %, *o)# i !"e en#%#e #(%n)*,nidi(ec ion%"e din G(eci% 0i I#%"i% de)#in%#e )$ *%ci"i#e&e e*ec#,%(e% # $ne0#i de c$#(e i3(%n ii din Mo"do'%/ c%(e %c#i'e%&$ +n %ce)#e $(i. Din '#o#%" %" (e i#en e"o( #(%n)*e(%#e +n Re!, "ic% Mo"do'% !(in )i)#e ," %nc%( @:77/ c%(e con)#i#,ie 7/9 "(d. do"%(i SUA/ 7;@ "n. do"%(i SUA %, *o)# #(%n) !(in in#e( edi," BC B%nc% de Econo ii S.A.

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Ca"i#olul VII. OR/ANIZAREA ACTIVITATII C5 VALORIMOBILIARE

V%"o(i Mo i"i%(e De S#%# VMS ),n# ,n in)#(, en# %" d%#o(iei de )#%# e

*o( $ de #i#", *in%nci%( ne3oci% i".L%n)%(e% '%"o(i"o( o i"i%(e de )#%# +n ci(c,"% ie )e e*ec#,e%&$ d

Mini)#e(," Fin%n e"o( %" Re!, "icii Mo"do'% ), *o( % de5- Bon,(i de #(e&o(e(ie BT '%"o(i o i"i%(e de )#%# e i)e c, )con# 0i

($)c, !$(%#e "% '%"o%(e% "o( no in%"$ "% )c%den $/ %'+nd #e( en," de ci(c,"%"% ,n %n #e( en )c,(# .

- O "i3% i,ni de S#%# OS '%"o(i o i"i%(e de )#%# e i)e c, )con#/ "% '%"o%no in%"$ )%, c, !(i $/ !e #e( en edi, 0i ",n3/ c, o (%#$ *i $ )%, *"o#%n#$ %do +n&ii/ do +nd% c,!o%ne"e *iind !"$#i#e !e(iodic 0i ($)c, !$(%#e "% '%"o%(no in%"$ "% )c%den $.

Ac#i'i#%#e% c, '%"o(i o i"i%(e )e (e3"e en#e%&$ de c$#(e B%nc% N% io Mo"do'ei i de c$#(e Co i)i% N% ion%"$ % Pie ii Fin%nci%(e/ !(in Re3,"% en# !(i'i(e "% o!e(% i,ni"e de !i% $ de)c


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i". "ei %i %(e *% $ de %n," @:7:. In'e)#i ii"e +n CBN c, #e( en de ci(c,"%- ie d !>n$ "% 7 &i"e %, *o)# ),*icien# de %#(%c#i'e !en#(, %nc$ +n %n," @:77. B%ni*e)#%# ,n in#e(e) )!o(i# *% $ de %ce)# in)#(, en# c, 3(%d )c$&,# de (i)c/ e*ecin'e)#i ii de ;/=@: i"io%ne "ei 0i o in>nd ,n !(o*i# de @ / i"io%ne "ei. Pe !%(c,(),",i %n,",i @:77 %nc% % e*ec#,%# @ de !"%)% en#e o'e(ni3nd $ncii ,n !(o*i# de @.8 i"io%ne "ei.Po(#o*o"i," in'e)#i ii"o $ncii +n c%!i#%"," )oci%" %" %"#o( e i#en i e)#e con)#i#,i# +n con*o( i#%#e c,BNM 0i %c#e"e "e3i)"%#i'e +n 'i3o%(e.4n %n," @:77/ !(e ," de '>n&%(e-c, !$(%(e %c i,ni % BC B%nc% de Econo ii S.A. "% B,()% de V%"o(i % Mo"do'ei % '%(i%@ !>n$ "% "ei !en#(, o %c i,ne/ i%( !(e ," edi, !onde(%# )-% )#% i"i# "% @ .:%c i,ne%.Pe !%(c,()," %n,",i @:77 !(e ," edi, !onde(%# %" ,nei %c i,ni % $ncii +(%!o(# c, '%"o%(e% no in%"$ % *o)# de .@ o(i %i %(e. V%"o%(e% in#(i%c i,ni"o( !e #o# !%(c,()," %n,",i @:77 % *o)# de !e)#e ; o(i %i %(e c% '%"o%no in%"$ % ,nei %c i,ni/ *iind 0i ce% %i +n%"#$ de !e !i% $.

Ca"i#olul VIII. ANALIZA ECONOMICO;%INANCIAR A74


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BC $BANCA DE ECONOMII .A.

BC B%nc% de Econo ii S.A. e)#e ,n," din#(e cei %i i !o(#%n i o!e(%#o(i %)i)#e ,",i %nc%( %,#ond c, o# !e(*o( %n e"o( 0i +nc,(%1%(e% ini i%#i'e"o(/ con)#i#,ie (e!e(e !e( %nen#e o(3%ni&$(ii %c#i'i#$ ii $ncii.

L% )#% i"i(e% )i#,% iei econo ico-*in%nci%(e % BC B%nc% de Econo ii S.%n%"i&%# ,( %#o%(e"e5

7. C%!i#"," !(o!(i, )i coe*icien#," ),*icien ei c%!i#%",",i !onde(%# "% (i)c6

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ValoareNominala7 lei

Numarul deac#iuni

Ponderea inca"i#alul !ocial7

H

Numarulac#ionarilor

Ac#iuniordinare7 #o#al

@ /9: /; 9 88/;9 7; 7

Inclu!i)'A+en#iaPro"rie#a#iiPu&lice

7 /7;@/9 /7 7

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8/ 8 /@ 9:/==

Per!oane (i0ice 97/:8 @/88 7 8Ac#iuni"re(eren#iale

7 :@/8=: :/@ ;;=

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Per!oane (i0ice :7/799 :/@ ;;8To#al' @ /;:8/;99 7::/:: @ :8

An%"i&+nd )#(,c#,(% %c ion%(i"o( o )e('$ c$/ !onde(e% ce% %i %(e #o#%"," %c i,ni"o( de ine %c i,ni"e o(din%(e +n $(i e de 88/;9 / i%( %c i,ni !(e*e(en i%"e - :/@ . Ponde(e% ce% %i %(e din #o#%"," c%!i#%",",i )oci%"

A3en i% P(o!(ie#$ ii P, "ice/ +n $(i e de /7 0i n, )-% odi*ic%# +n ,"#i ii @ %ni.U( e%&$ !e()o%ne"e 1,(idice c%(e de in !onde(e% +n %(i e de 9:/== / c%(e % )c$*% % de %n," @:7: c, :/: . Ponde(e% ce% %i ic% +n c%!i#%"," )oci%" de !e()o%ne"e *i&ice/ *iind e3%"% c, @/88 0i % )c%&,# *% $ de %n," @:7: c, :/@ .

Indica#orul lic1idi#a#ii !i ren#a&ili#a#ea.Indica#orul lic1idi#a#ii.Indic%#o(ii "ic


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- R%#% (en#% i"i#$ ii c%!i#%",",i !(o!(i, ROE + !%(#e !(o*i#," "% c% !(o!(i,. R%#% (en#% i"i#$ ii c%!i#%",",i !(o!(i, e)#e %de)e% con)ide(%#$ c% *iini !o(#%n# din#(e indic%#o(ii de(en#% i"i#%#e/ deo%(ece e" %)o%($ !(o*i#," ce (ein'e)#i i% *%c,#$ de %c ion%(i.

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od%"i#%#e de !"%#$6 ode(ni&%(e% 0i "$(3i(e% !(od,ce(ii6 *in%n %(e% o!e(% !(e-e !o(#6 ),) ine(e% nece)i#$ i"o( de con), / inc",)i' !en#(, nece)i#$ i !(i o(di%"e/c(edi#e Lo %(d 0i +n )co!," !(oc,($(ii i o i",",i.

L% )*+(0i#," %n,",i @:77 !o(#o*o"i," de c(edi#e )-% ci*(%# "% @/= i"io%n !%(c,()," %n,",i %nc% % o*e(i# c"ien i"o( )$i !o)i i"i#%#e% )$ ene*icie&e de c((%#e %"e do +n&ii %#(%c#i'e/ !(in ,( %(e %, *o)# %co(d%#e c(edi#e +n ), % de 7/"ei.

R%#e"e do +n&ii "% c(edi#e"e %co(d%#e de %nc$ +n oned$ n% ion%"$)#($in$ c%(e )e +nc%d(e%&% +n #(end," 3ene(%" %" (%#e"o( co#%#e !e !i% % c, co)#," (e),()e"o( $ncii/ %, %)i3,(%# ,n !",) de co !e#i#i'i#%#e/ '%(iind "% *ine%n,",i +n#(e 8/ 0i @= !en#(, c(edi#e"e +n MDL 0i /7 0i 7=/ !en#(,c(edi#e"e +n '%",#$ )#($in$. D%# *iind ni'e"," %ce)#o(% 0i )#(,c#,(% %&ei de)#(,c#,(% !o(#o*o"i,",i de c(edi#e deno#$ 'o",n," e)en i%" %" c(edi#e"o( con#(%c'%",#$ n%# ion%"$ - ;/@ +n co !%(% ie c, c(edi#e"e e"i e(%#e +n '%",#$ )#($in%

4n !e(io%d% 3e)#ion%($/ !onde(e% !o(#o*o"i,",i de c(edi#e % *o)# en in,"i i#e"e de 98 - = /cee% ce de on)#(e%&$ co(e)!,nde(e% ce(in e"o( !(,den i%"e %"

$ncii 0i o en ine(e )#% i"$ % (%!o(#,",i !o(#o*o"i,",i de c(edi#e "% %c#i'e"e $nciiPen#(, %co!e(i(e% e'en#,%"e"o( !ie(de(i/ +n con*o( i#%#e c, (e3,"% en#e"e B

0i no( e"e in#e(ne/ BC B%nc% de Econo ii S.A % %1o(%# (e&e('e"e !en#(, !ie(d"% c(edi#e !+n% "% 89/ i"io%ne "ei. Ni'e"," de (e&e('%(e % !o(#o*o"i,",i de c(n, % de!$0i# $(i e% %cce!#% i"$ +n con*o( i#%#e c, Po"i#ic% de c(edi#%(e % !en#(, %n," @:77.

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C(e0#e(e% ce% %i %(e/ +n $(i e (e"%#i'$/ % *o)# +n(e3i)#(%#$ "% c(%co(d%#e ind,)#(iei ene(3e#ice 0i % co ,)#i i",",i c, 99/ @ i"io%ne "ei )%, c,@:.;= %i ,"# co !%(%#i' c, %n," !(eceden# / con)#i#,ind =.88 din #o#%" !o(#o*o"i, "% 7.7@.@:77. C(e0#e(e% ce% %i %(e/ +n $(i e % )o",#$/ % +n(e3i)#(%#$ "% c(edi#e"e %co(d%#e ind,)#(iei co e( ,",i c, / = i"io%ne "ei )%,.7; %i ,"# co !%(%#i' c, %n," !(eceden# / !$)#(>nd co#% ce% %i %(e +n

!o(#o*o"i, de c(edi#e :/; . Pe ">n3$ con)o"id%(e% %c#i'i#$ ii )%"e !e )e3 en#,*in%n $(ii ind,)#(iei 0i co e( ,",i/ %nc% % con#in,%# %co(d%(e% %"#o(

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con#in,>nd *in%n %(e% di*e(i#o( (% ,(i %"e econo iei n% ion%"e. Pe !%(c,()," %@:77 %, *o)# e"i e(%#e = cinci&eci 0i o!# 3%(%n ii %nc%(e "% @ c"ien i +n), $ de @9/;:7.8 i" "ei/ 78/= ii USD 0i 79/9 iiEUR/ )o"d," "% 7.7@.@:77 %"3%(%n ii"o( e"i e(%#e con)#i#,ind ec


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!o)i i"i#%#e% de % o ine in*o( % ii ,#i"e !(i'ind i)#o(ii"e c(edi#%(e %"e de i#o ic0o(>nd (i)c,(i"e c(edi#%(e "% e#%!% %n%"i&ei ce(e(i"o( de *in%n %(e.

Veni#,(i"e $ncii de "% o!e(% i,ni"e c(edi#%(e %, con)#i#,i# ;=. i"io%ne "%1o(>nd,-)e c, 97.7 i"io%ne "ei co !%(%#i' c, %n," !(eceden# )%, c, 7@.@ .

Ac#i)i#a#ea de acce"#are de"o0i#elor #% e"," =.9 .Ta&elul -.


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Ace)# *%!# deno#$ +nc(ede(e% c"ien i"o( +n )#% i"i#%#e% 0i c%!%ci#%# $ncii. O iec#i'," !(inci!%" +n %n," @:77 !e %ce)# )e3 en#/ % *o)# %#(%de!o&i#e"o( "% 'ede(e !e #e( en ",n3/ c% ,( %(e )co!," % *o)# (e%"i&%# c, ),cce).

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CONCL5ZIE4n (e&,"#%#," e*ec#,%(ii !(%c#icii de di!"o % +n c%d(," BC B%nc% de Ec

S.A. % (e,0i# )$ *%c c,no0#in $ c, (e3,"i"e o(dinii in#e(ne %"e B$ncii/ % )#,d

)#(,c#,(% o(3%ni&%#o(ic$ % B$ncii 0i *i"i%"ei/ % *$c,# c,no0#in $ c, %c)e('ici,",i o!e(% i,ni %nc%(e c, !e()o%ne *i&ice/ c, %c#i'i#%#e% )ec iei '%",#)ec iei c(edi#e/ )ec iei con#% i"i#%#e/ )ec iei c%(d,(i %nc%(e/ )ec iei o!e(% i,ni %c, !e()o%ne 1,(idice !(ec, 0i c, %c#i'i#%#e% (e!(e&en#%n i"o( *i"i%"ei.

- 4n c%d(," )ec iei c%(d,(i %nc%(e % +n),0i# !(oced,(% de co !"e#%(e/ e i#e0i de)e('i(e % c%(d,(i"o( %nc%(e6

- 4n c%d(," )ec iei '%",#%(e % )#,di%# od%"i#%#e% de e*ec#,%(e % #(%one#%(e e)#e(n Union/ S IFT 0i Mo"do'%-E !(e))/ de e*ec#,%(e % o!e(% i,ni"o(de c, !$(%(e-'+n&%(e % '%",#ei/ )#% i"i(e% c,()",i '%",#%( !e &i.

- 4n )ec i% c(edi#e % *$c,# c,no0#in $ c, #i!," c(edi#e"o( %co(d%#e de BC B%nc% de Econo ii S.A/ condi ii"e de %co(d%(e % %ce)#o(%/ od%"i# *o( %(e % do)%(e"o( de e"i e(%(e % c(edi#e"o( i % )#,di%# !o"i#ic% de di (i)c,(i"o( %nc%(e.

- 4n )ec i% o!e(% i,ni %nc%(e c, !e()o%ne 1,(idice % *$c,# c,no #in $ c !(oced,(% de de)e('i(e % c"ien i"o(-!e()o%ne 1,(idice +n "ei i +n '%",#$/ +n )e con#% i"i#%#e % ",%# c,no #in#$ c, od," de ine(e % e'iden ei / % )#,di%# !o" de con#% i"i#%#e/ i"%n ," con#% i" i (%!o%(#e"e *in%nci%(e/ i%( +n )e('ici," ! *$c,# c,no #in $ c, Re3,"% en#," in#e(n %" BC B%nc% de Econo ii S.A / !(ec, i c, Cod," de e#ic


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%" RM n(. - ; @9 din @.7:.8@. Le3e% RM !(i'ind 3%(%n#%(e% de!o&i#e"o( !e()o%ne"o( *i&ice +n )i)#e ,

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$ncii MO %" RM n(.=: 7:9 din [email protected]@.8=. Re3,"% en#," BNM c, !(i'i(e "% "ic


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7 .Re3,"% en#," BNM c, !(i'i(e "% ),*icien % c%!i#%",",i !onde(%# "% (i)c %!(o !(in HCA n(. @ 8 din 7;.7:.:7 MO %" RM n(.7 : 7: din @ .7:.:7

79.Re3,"% en# c, !(i'i(e "% #(%n)*e(," de c(edi# %!(o %# !(in HCA %" BNM n(. ; 7 .7@.: MO %" RM ; 7=7 9 din :.7@.: . Modi*ic%#5 HCA %" BNM n(. @ 7din 7;.77.77

7 . Re3,"% en# c, !(i'i(e "% de i#%(e% di(ec#$ %!(o %# !(in HCA %" BNM n(. ;9 7 .7@.: MO %" RM n(.7; 7=7 99 din :.7@.: . Modi*ic%#5 HCA %" BNMn(. =; din :.:9.7:

7 .Re3,"% en# !(i'ind ),)!end%(e% o!e(% i,ni"o(/ )ec


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@ .Re3,"% en# c, !(i'i(e "% ,ni#$ i"e de )cn/ 788III. Al#e !ur!e Fre)i!#e7 0iare e#c.G

7. . n . d@. . e . d

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ANE E

raport de practica banca de economii

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