8/16/2019 4iul Glossar VB
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ROMANA
Directorat
Consiliul de Supraveghere
Comitetul de Administrare a Riscurilor
Directia OrganizareDepartament
Directia Credite Corporate
reguli de procedura
resortul de risc
Departamentul Administrare Credite Corporate
Departamentul Analiza Credite IMM
Directia Restructurare si Reorganizare Credite
Departamentul Juridic Corporate
Directia Credite Retail
Departamentul Analiza Credite Persoane Fizice
Departamentul Monitorizare si Credite Neper ormante
Directia Risc Controlling
Departamentul Raportari
Risc de credit
Risc operational
Risc de piata
!iroul !asel II
Resortul Corporate si "rezorie
Directia "rezorerie si Piete de Capital
Departamentul Piata Monetara si #estionarea $ichiditatii
Departamentul Piata %alutara si Instrumente Derivate
!iroul #estionare Active si Pasive
!iroul Administrarea Personalului
!iroul Recrutare si Pregatire a Personalului
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!iroul Compensatii si !ene icii
!iroul Salarizarea Personalului
!iroul Structura si Analiza Organizationala
Departamentul Corporate !ucuresti
Departamentul Corporate & IMM Regional
!iroul Finantare Proiecte Imo'iliare
Directia Re erral !
Administrator de cont
sucursalaagentieConsiliu de Administratie
Regulamentul de organizare si unctionare (ROF)
manager de client
escaladare
Procedura interna privind serviciile de clientela si operatiunile cu numerar
Decontare
a tranzactiona
cheltuieli de e*ploatare
Manager de cont
grad de solva'ilitate
valoare conta'ila
indemnizatie
venit din valori mo'iliare
patrimoniu de a acere
actor de actualizare
venit din activitatea currenta
conturi de regularizare
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Manager de risc
Managementul riscului
Departamentul de administrare a riscului grupului
operatiuni in activ
Date Master
So t Facts+,ard Facts
garantie!aza de date centrala
#hid de orientare
ga- asupra imprumutului
$egea 'ancara austriaca
valoare numerar
garantie cu titlu de valoare
titluri de valoare
di erente valutare
credit in derulare
e*punere la neplata
proprietati imo'iliare generatoare de venit
conta'ilitate de casa
carnet de cecuri
titluri garantate cu porto olii de creante ipotecare
sistem conta'il de inregistrare pe 'aza de anga-ament
cont de'itor
credit su' cesiune
imprumutat+de'itor
raportul dintre credit si suma estimata a garantiei
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sistem de ponderare
venit net din vanzare
s.ap pe randamentul total
valoare de rascumparare
inchiderea pozitiei
#ir Catalogul de garantii
Pierdere datorata neram'ursarii
Comitetul de Audit
Departamentul de Con ormitate
Departamentul Anti/ rauda
Directia de Management de Retea
Re erent de specialitate
0chipa de inspectie
Proces de evaluare a adecvarii capitalului la riscuri (ICAAP)
"oleranta la risc
0*punere ata de contrapartide
0 ectul de parghie
Rata ondurilor proprii de nivel 1
0rodarea capitalului
!anda de scadenta
Indicator de lichiditate
Credite restante si indoielnice
scrisoare de garantie 'ancara
Rescadentare
Depozit la vedere
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depozite la termen
scadenta reziduala
Ram'ursare anticipata
plasamentele in titluri de stat
Risc residual
Indatorare
Cerinta de capitalCur'a ratei do'anzii
Risc reputational
Rating
Scadenta0*igi'ilitate
RestantaPiata monetara
0*punereAdecvarea capitalului la risc
Risc rezidual
Riscul de lichiditate al pietei
SechestruAct constitutiv
Diretor resort
Director de Directie
cesiune de creanta
In a ara 'ilantului+e*tra'ilantiere
Intre conturile 'ilantiere
s.apInstrumente derivate
tranzactionare de mar uri
com'atere
conta'ilitate de casa proprietati imo'iliare generatoare de venitcreante e*tra'ilantierecapital activa ceda o creantatranzactii de tip repodobanda capitalizata
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onduri tranzactionate la 'ursasef Departament ControllingDirector Directia Resurse Umanesef Departament Reclamatiisef Departament Comunicare & PRDirector Directia Juridica & Management AffairsCoordonator ul Functiei Trezorerie si A MDirector Directia Administrare ReteaDirector Directie Clienti !nternationalisef Departament Dezvoltare Produse si "uport #anzari $ Corporate & Trezoreriesef Departament Managementi #anzari RetailDirector Directia Restructurare & Reorganizare CrediteDirector Directia Management Credite Corporatesef Departament Juridic % ecutare "ilitaDirector Directia Administrativ si !nvestitiisef Departament Administrare Credite RetailDirector Directia Financiar Contabilitate
Director Directia Mar'etingDirector Directia (rganizaresef Departament A MDirector Directia Audit !nternDirector Directia Corporate si !MMDirector Directia !T & ComunicatiiDirectia Management Credite Retail"ef Departament Administrare Credite CorporateDirector Directie (peratiuniDirector Directie Trezoreriesef Departament Conformitate
Avizat pentru Conformitate
structura de conducerefunctie de conducerestimulent
8/16/2019 4iul Glossar VB
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ENGLEZA
Directorate
Supervisor2 !oard
Ris3 Management Committee
Organization DivisionDepartment
Corporate Credits Division
rules o procedure
ris3 resort
Corporate Credit Administration Departament
SM0 Credits Anal2sis Department
Credit 4or3out and Restructuring Division
Corporate $egal Department
Retail Credits Division
Private Individuals Credits Anal2sis Department
Monitoring !ad $oans Department
Ris3 Controlling Division
Reporting Department
Credit ris3
Operational ris3
Mar3et ris3
!asel II Des3
Corporate and "reasur2 Resort
"reasur2 and Capital Mar3ets Division
Mone2 Mar3et and $i5uidit2 Management Department
Foreign 0*change Mar3et and Derivatives Department
Assets and $ia'ilities Management Des3
Personnel Administration Des3
Recruitment and "raining Development Des3
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Ris3 Manager
Ris3 Management
#roup Ris3
lending 'usiness
Master Data
So t Facts+,ard Facts
loan/to/value
CollateralCentral Data Pool
#uideline
loan lien
Austian !an3ing Act
cash value
securities collateral
Securities
currenc2 mismatch
outstanding credit
e*posure in de ault
Income producing real estate
cash 'asis accounting
'an3 'oo3
asset 'ac3ed securities
accrual 'asis accounting
accounts receiva'le
assignment credit
!orro.er
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.eighting s2stem
net proceeds
total return s.ap
surrender value
o setting
suret2Collateral Catalogue
$oss/given/de ault
Audit Committee
Compliance Department
Anti raud Department
Specialist Advisor
Inspection team
Internal Capital Ade5uac2 to Ris3 Assessment Process (ICAAP)
Ris3 tolerance
0*posure to counterparties
$everage ratio
"ier 1 capital ratio
Capital erosion
Maturit2 'and
$i5uidit2 ratio
Past due and dou't ul loans
letter o 'an3 guarantee
Rescheduling
Sight deposit
Net.or3 Management Division
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"ime deposit
Residual maturit2
Prepa2ment
government 'onds investments
residual ris3
inde'tedness
capital re5uirement2ield curve
Reputational ris3
rating
maturit2en orcea'ilit2
remainder mone2 mar3et
e*posurecapital ade5uac2 to ris3
residual ris3
"he mar3et li5uidit2 ris3
seizureArticles o Association
%ice/President o resort
Division Director
assignment as collateral
o /'alance/sheet
on/'alance/sheet
s.apderivatives
commodit2 trade
mitigation
cash 'asis accountingIPR0 6 Income producing real estateo /'alance/sheet receiva'le.or3ing capitalassign a claimreposcapitalizing interest rate