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NORME Nr

NORME   Nr. 7 din  7 septembrie 2000

privind autorizarea organizatiilor cooperatiste de credit

ACT EMIS DE: BANCA NATIONALA A ROMANIEI


SmartCity3

PUBLICATE IN: MONITORUL OFICIAL  NR. 452 bis  din 13 septembrie 2000

    In temeiul prevederilor art. 50 alin. (1) din Legea nr. 101/1998 privind Statutul Bancii Nationale a Romaniei, ale art. 67 alin. 2, art. 85 alin. 2, art. 93 alin. 2, art. 104 lit. n), art. 126 alin. 2, art. 136 lit. d), art. 139 alin. 2 si 3, art. 143 alin. 2, art. 252 alin. 2, art. 255 alin. 2 si 3 si ale art. 285 din Ordonanta de urgenta a Guvernului nr. 97/2000 privind organizatiile cooperatiste de credit, precum si ale art. 90 alin. (1) din Legea bancara nr. 58/1998,

    Banca Nationala a Romaniei emite prezentele norme.

    CAP. 1
    Dispozitii generale

    SECTIUNEA I
    Domeniul de aplicare si definitii
    Art. 1
    Prezentele norme reglementeaza conditiile de autorizare de catre Banca Nationala a Romaniei a organizatiilor cooperatiste de credit care se vor constitui in conformitate cu prevederile titlurilor II si III din Ordonanta de urgenta a Guvernului nr. 97/2000 privind organizatiile cooperatiste de credit, denumita in continuare ordonanta, si a celor care se vor constitui sau vor rezulta prin reorganizarea organizatiilor cooperatiei de credit existente, in conformitate cu prevederile titlului X cap. 1 sectiunea I din ordonanta.
    Art. 2
    (1) Termenii si expresiile utilizate in prezentele norme au semnificatia prevazuta in ordonanta.
    (2) Termenii de mai jos au urmatoarele semnificatii:
    a) organizatiile cooperatiei de credit - cooperativele de credit - banci populare, casele teritoriale ale cooperativelor de credit, Casa Cooperativelor de Credit - CREDITCOOP si celelalte organizatii ale cooperatiei de credit care sunt organizate si functioneaza pe baza prevederilor Legii nr. 109/1996 privind organizarea si functionarea cooperatiei de consum si a cooperatiei de credit, cu modificarile ulterioare;
    b) bilant contabil - bilantul, contul de profit si pierderi, anexele si raportul de gestiune;
    c) retea - reteaua cooperatista de credit.

    SECTIUNEA II
    Dispozitii comune
    Art. 3
    (1) Organizatiile cooperatiste de credit pot functiona numai pe baza autorizatiei de functionare emise de Banca Nationala a Romaniei.
    (2) Conditiile in care autorizatia de functionare poate fi obtinuta sunt cele prevazute de ordonanta si de prezentele norme.
    Art. 4
    (1) Activitatile pe care le vor putea desfasura organizatiile cooperatiste de credit sunt cele prevazute de ordonanta, in limita si in conditiile aratate in autorizatia acordata de Banca Nationala a Romaniei. Activitatile autorizate vor fi cuprinse in forma finala a actului constitutiv, rezultata in urma autorizarii de catre Banca Nationala a Romaniei a organizatiei cooperatiste de credit.
    (2) In obiectul de activitate se vor preciza in mod expres operatiunile de mandat propuse a fi desfasurate. Pentru aceste operatiuni se va prezenta Bancii Nationale a Romaniei si justificarea necesitatii si oportunitatii desfasurarii lor.
    (3) Reglementarile Bancii Nationale a Romaniei privind functionarea pietei valutare interbancare, cele privind operatiunile cu titluri de stat derulate prin Banca Nationala a Romaniei in calitatea sa de agent al statului si cele privind avizarea tehnica a sistemelor de plati si decontari fara numerar se aplica in mod corespunzator si organizatiilor cooperatiste de credit, in cazul in care activitatile aflate sub incidenta acestor reglementari sunt permise de ordonanta. Organizatiile cooperatiste de credit vor putea desfasura activitatile respective pe baza autorizatiei de functionare si a avizelor/autorizatiilor speciale prevazute de aceste reglementari. Avizele/autorizatiile speciale vor putea fi solicitate Bancii Nationale a Romaniei numai dupa obtinerea autorizatiei de functionare.
    (4) Includerea in obiectul de activitate autorizat a unora dintre activitatile prevazute de ordonanta pentru desfasurarea carora, potrivit unor legi speciale, este necesara si o aprobare prealabila/un aviz din partea altor autoritati, se va putea realiza numai dupa obtinerea autorizatiei de functionare din partea Bancii Nationale a Romaniei, in conditiile prezentarii acestor aprobari prealabile/avize.
    Art. 5
    Spatiul destinat sa constituie sediul social al unei organizatii cooperatiste de credit nu poate fi amplasat la subsolurile cladirilor sau la etajele ansamblurilor de locuinte si trebuie sa corespunda activitatilor propuse a fi desfasurate, din punct de vedere al suprafetei, al conditiilor de securitate si al dotarilor.
    Art. 6
    Nu vor putea fi numite in calitate de conducator al unei organizatii cooperatiste de credit persoanele care sunt supuse vreunei interdictii de a conduce o institutie de credit, cele carora li s-a retras aprobarea de a conduce o institutie de credit sau cele care au fost inlocuite ca urmare a unei masuri de remediere luate de o institutie de credit.
    Art. 7
    (1) Orice curriculum vitae prezentat Bancii Nationale a Romaniei potrivit ordonantei va fi semnat si va cuprinde cel putin urmatoarele informatii:
    a) studiile, cu indicarea institutiei de invatamant, a naturii cursurilor si a anului absolvirii;
    b) experienta profesionala, cu precizarea denumirii si a domeniului de activitate al entitatilor in care persoana si-a desfasurat activitatea, a naturii si a duratei activitatilor desfasurate si a responsabilitatilor avute.
    (2) Scrisorile de recomandare prezentate pentru conducatorii propusi ai organizatiilor cooperatiste de credit vor fi semnate de persoane in subordinea carora acestia au activat in domeniile cerute de ordonanta sau, dupa caz, cu care au colaborat in calitate de administrator al unui agent economic.

    CAP. 2
    Cerinte specifice de autorizare

    SECTIUNEA I
    Cooperativele de credit
    Art. 8
    Cerintele stabilite la art. 48 din ordonanta referitoare la administratori se aplica in mod corespunzator si persoanelor care indeplinesc functia de contabil-sef al cooperativelor de credit cu mai putin de 5.000 de membri cooperatori.
    Art. 9
    Acordarea de catre casa centrala a aprobarii de constituire a unei cooperative de credit nu garanteaza acordarea autorizatiei de functionare de catre Banca Nationala a Romaniei, aceasta aprobare indicand doar permisiunea data fondatorilor de a proceda la constituirea cooperativei de credit, conform documentatiei prezentate si dispozitiilor legale.
    Art. 10
    (1) In vederea obtinerii autorizatiei de functionare a cooperativelor de credit care s-au constituit in baza aprobarii casei centrale la care s-au afiliat, cererea de autorizare a functionarii, inaintata Bancii Nationale a Romaniei de casa centrala, va fi insotita de:
    a) aprobarea de constituire emisa de casa centrala;
    b) documentatia prevazuta la art. 83 alin. 1 din ordonanta, cu respectarea urmatoarelor cerinte:
    - copia de pe certificatul de inmatriculare a cooperativei de credit va fi insotita de un extras certificat de pe inregistrarile efectuate in registrul comertului;
    - dovada detinerii cu titlu legal a spatiului aferent sediului social se va materializa fie intr-un act de proprietate incheiat in forma autentica, inscris in cartea funciara sau transcris in registrul de inscriptiuni si transcriptiuni imobiliare de pe langa judecatoria in a carei raza teritoriala se afla imobilul, fie intr-un contract de inchiriere sau de subinchiriere inregistrat la autoritatea fiscala; in cazul contractului de subinchiriere se va prezenta si consimtamantul scris al proprietarului, concretizat intr-o declaratie incheiata in forma autentica, precum si contractul de inchiriere inregistrat la autoritatea fiscala;
    - pentru varsamintele la capitalul cooperativei de credit se va prezenta scrisoarea din partea institutiei de credit la care a fost deschis contul destinat colectarii varsamintelor la capitalul social, scrisoare prin care sa se confirme suma varsata de fiecare membru cooperator si faptul ca acest cont a fost blocat pana la inmatricularea cooperativei de credit;
    - pentru varsamintele la capitalul casei centrale se va prezenta extrasul de cont;
    c) o prezentare detaliata a fiecarei operatiuni de mandat propuse a fi desfasurate, insotita de fundamentarea necesitatii si oportunitatii efectuarii acestora;
    d) chestionarul - prezentat in anexa nr. 1 la prezentele norme -, completat de fiecare dintre persoanele propuse in calitate de conducator al cooperativei de credit, insotit de curriculum vitae si de scrisorile de recomandare;
    e) un raport, semnat de conducatorii casei centrale, care va cuprinde cel putin fundamentarea deciziei de aprobare a constituirii cooperativei de credit a carei autorizatie de functionare se solicita, confirmarea privind realizarea afilierii acesteia si concluziile verificarii documentatiei, efectuate conform art. 83 alin. 2 din ordonanta, insotite, dupa caz, de evaluarea asupra modificarilor aparute fata de proiectul initial.
    (2) In cuprinsul fundamentarii deciziei de aprobare a constituirii cooperativei de credit, casa centrala va evidentia, in principal:
    a) evaluarea facuta asupra activitatii pe care o va desfasura cooperativa de credit;
    b) evaluarea obiectivelor propuse in raport cu conditiile existente in raza teritoriala a cooperativei de credit si a capacitatii acesteia de a asigura realizarea acestor obiective in conditii compatibile cu buna functionare a retelei si cu regulile unei practici prudente, care sa asigure clientelei o siguranta satisfacatoare;
    c) evaluarea persoanelor propuse in calitate de conducator sau de administrator in raport cu obiectivele propuse in studiul de fezabilitate si a activitatilor ce vor fi desfasurate;
    d) o confirmare privind indeplinirea de catre persoanele propuse in calitate de conducator, administrator, cenzor sau auditor al cooperativei de credit a cerintelor prevazute de ordonanta si de normele proprii ale casei centrale;
    e) o confirmare cu privire la indeplinirea prevederilor ordonantei privind stabilirea razei teritoriale a cooperativei de credit;
    f) alte considerente care au stat la baza deciziei de aprobare a constituirii cooperativei de credit.
    Art. 11
    (1) Banca Nationala a Romaniei decide cu privire la cererea de autorizare a functionarii cooperativei de credit in termenul prevazut de ordonanta.
    (2) Comunicarea Bancii Nationale a Romaniei privind decizia acesteia, insotita de autorizatia de functionare sau, in cazul respingerii cererii, cuprinzand motivele care au stat la baza deciziei, va fi comunicata casei centrale, care o va remite de indata cooperativei de credit respective.
    (3) Respingerea de catre Banca Nationala a Romaniei a cererii de autorizare a functionarii unei cooperative de credit atrage in mod automat revocarea aprobarii de constituire, originalul documentului emis in acest sens de catre casa centrala urmand sa fie restituit acesteia.
    Art. 12
    Conditiile specifice de autorizare a cooperativelor de credit care se constituie simultan cu casa centrala sunt prevazute in sectiunea II "Casele centrale ale cooperativelor de credit".

    SECTIUNEA II
    Casele centrale ale cooperativelor de credit
    Art. 13
    Capitalul agregat al retelei trebuie sa se situeze cel putin la nivelul prevazut de reglementarile Bancii Nationale a Romaniei privind capitalul agregat minim al unei retele cooperatiste de credit. La calcularea, respectiv la estimarea acestuia se va utiliza formularul prevazut de aceste reglementari.
    Art. 14
    (1) Cerintele prevazute la art. 17 alin. 2 si 4 din Normele Bancii Nationale a Romaniei nr. 2/1999 privind autorizarea bancilor, modificate prin Normele nr. 6/1999 si prin Normele nr. 10/1999, se aplica in mod corespunzator si persoanelor propuse in calitate de conducator al unei case centrale.
    (2) La evaluarea experientei profesionale a conducatorilor casei centrale se vor lua in considerare si perioadele in care acestia au condus o organizatie a cooperatiei de credit, cu exceptia cooperativelor de credit - banci populare asociate potrivit prevederilor Legii nr. 109/1996 si/sau in care acestia au exercitat o functie de conducere (cel putin sef serviciu) intr-o organizatie cooperatista de credit constituita conform ordonantei.
    (3) Prevederile art. 8 se aplica in mod corespunzator si in cazul cooperativelor de credit care se constituie simultan cu casa centrala.
    Art. 15
    (1) Persoanele propuse sa asigure conducerea unui sediu secundar al casei centrale trebuie sa aiba onorabilitatea corespunzatoare, studii superioare si sa fi lucrat cel putin un an in domeniul financiar-bancar. Prevederile art. 6 se aplica in mod corespunzator si acestor persoane.
    (2) La evaluarea experientei profesionale a persoanelor mentionate la alin. (1) se vor lua in considerare si perioadele in care acestia au condus o organizatie a cooperatiei de credit, constituita potrivit Legii nr. 109/1996, si/sau in care au exercitat o functie de conducere (cel putin sef serviciu) intr-o organizatie cooperatista de credit constituita conform ordonantei.
    Art. 16
    (1) Societatile de expertiza contabila propuse in calitate de auditor independent al unei case centrale trebuie sa aiba experienta in domeniul financiar-bancar si vor fi aprobate de Banca Nationala a Romaniei.
    (2) La evaluarea auditorului independent se va lua in considerare experienta dobandita de societate in activitatea de audit sau in calitate de cenzor la o institutie de credit sau de personalul acesteia care va fi utilizat in activitatea de audit la casa centrala.
    Art. 17
    Raza teritoriala a casei centrale va fi limitata la teritoriul Romaniei.
    Art. 18
    In vederea obtinerii avizului prealabil de constituire a unei retele se vor prezenta Bancii Nationale a Romaniei documentele prevazute la art. 136 din ordonanta, cu respectarea urmatoarelor cerinte referitoare la studiul de fezabilitate:
    a) se va preciza numarul estimat al sediilor secundare, in cazul in care acestea se infiinteaza concomitent cu casa centrala;
    b) se va descrie sistemul de decontare a operatiunilor de incasari si plati intre organizatiile cooperatiste de credit din reteaua propusa;
    c) pentru estimari ale bilantului contabil consolidat al retelei se vor prezenta formularele prevazute in anexa nr. 3 la prezentele norme; la completarea formularelor respective se vor avea in vedere prevederile Planului de conturi pentru societatile bancare si ale normelor metodologice de utilizare a acestuia, aprobate prin Ordinul ministrului de stat, ministrul finantelor, si al guvernatorului Bancii Nationale a Romaniei nr. 1.418/344/1997, cu modificarile si completarile ulterioare, ale Modelelor situatiilor financiar-contabile pentru banci si ale normelor metodologice privind intocmirea si utilizarea acestora, aprobate prin Ordinul ministrului finantelor si guvernatorului Bancii Nationale a Romaniei nr. 1.524/362/1998, cu modificarile si completarile ulterioare (in special cele privind intocmirea situatiilor mod. - 4000 "Situatia patrimoniului", mod. - 4080 "Contul de profit si pierderi" si mod. - 4084 "Repartizarea profitului"), precum si cele ale ordonantei.
    Art. 19
    Avizul prealabil de constituire a retelei indica acceptarea de principiu de catre Banca Nationala a Romaniei a proiectului propus al retelei, constituirea efectiva a organizatiilor cooperatiste de credit din cadrul retelei putand sa se realizeze numai dupa obtinerea aprobarii colective a constituirii retelei.
    Art. 20
    (1) In vederea obtinerii aprobarii colective de constituire a retelei se vor prezenta Bancii Nationale a Romaniei, in mod corespunzator pentru fiecare organizatie cooperatista de credit, documentele prevazute la art. 139 din ordonanta, cu respectarea urmatoarelor cerinte:
    a) pentru organizatiile cooperatiste de credit care isi propun sa desfasoare operatiuni de mandat se va transmite o prezentare detaliata a fiecarei operatiuni, insotita de fundamentarea necesitatii si oportunitatii efectuarii operatiunilor respective;
    b) pentru fiecare dintre persoanele propuse in calitate de conducator se va transmite si chestionarul prezentat in anexa nr. 1 la prezentele norme -, insotit, in cazul conducatorilor propusi ai casei centrale, si de declaratia prezentata in anexa nr. 2 la prezentele norme;
    c) pentru estimari ale bilantului contabil se vor prezenta formularele prevazute, dupa caz, in anexa nr. 4 sau in anexa nr. 5 la prezentele norme, la completarea carora se vor avea in vedere precizarile cuprinse in art. 18 lit. c);
    d) pentru fiecare administrator se va transmite si o declaratie din care sa rezulte ca nu se afla in nici una dintre situatiile prevazute la art. 48, respectiv la art. 117 din ordonanta, ori in alta situatie de incompatibilitate prevazuta de legislatia in vigoare;
    e) pentru fiecare cenzor se va prezenta copia legalizata de pe carnetul de expert contabil sau contabil autorizat cu studii superioare, copia de pe Monitorul Oficial al Romaniei care atesta inscrierea in Tabloul Corpului expertilor contabili si contabililor autorizati din Romania si declaratie din care sa rezulte ca nu se afla in nici una dintre situatiile prevazute la art. 70 din ordonanta ori in alta situatie de incompatibilitate prevazuta de legislatia in vigoare;
    f) pentru fiecare auditor independent propus se va prezenta copia de pe Monitorul Oficial al Romaniei care atesta inscrierea societatii in Tabloul Corpului expertilor contabili si contabililor autorizati din Romania sau in Registrul Camerei Auditorilor din Romania si declaratie din care sa rezulte ca nu se afla in nici una dintre situatiile prevazute la art. 70, respectiv la art. 129 din ordonanta, ori in alta situatie de incompatibilitate prevazuta de legislatia in vigoare;
    g) pentru societatile de expertiza contabila propuse in calitate de auditor independent al unei case centrale, altele decat cele care au fost aprobate de Banca Nationala a Romaniei in aceasta calitate la o institutie de credit, se va remite, sub semnatura conducerii societatii, si chestionarul - anexa nr. 6 la prezentele norme -, o prezentare a activitatii acesteia si, dupa caz, comunicare privind identitatea persoanelor fizice care vor face audit, insotita de curriculum vitae pentru fiecare dintre aceste persoane;
    h) studiul de fezabilitate prezentat pentru casa centrala va cuprinde si o fundamentare a necesitatii si oportunitatii infiintarii sediilor secundare, cu mentionarea identitatii persoanelor propuse sa asigure conducerea acestora, insotita de curriculum vitae, copie de pe actul de studii, certificat de cazier judiciar si declaratie din care sa rezulte ca nu se afla in una dintre situatiile de incompatibilitate prevazute de legislatia in vigoare, pentru fiecare dintre aceste persoane.
    (2) Pe langa documentatia prevazuta la art. 139 din ordonanta, pentru fiecare cooperativa de credit care urmeaza sa se constituie se va transmite Bancii Nationale a Romaniei, sub semnatura conducatorilor propusi ai acestora, un angajament de afiliere la casa centrala in conditiile stabilite de aceasta.
    Art. 21
    In situatia in care din evaluarea documentatiei prezentate rezulta ca unele dintre cooperativele de credit din reteaua propusa nu indeplinesc conditiile necesare in vederea autorizarii, Banca Nationala a Romaniei poate acorda, numai daca sunt respectate prevederile ordonantei si ale prezentelor norme, aprobarea colectiva de constituire a retelei formate numai din organizatiile cooperatiste care indeplinesc conditiile de autorizare.
    Art. 22
    Aprobarea constituirii organizatiilor cooperatiste de credit din retea nu garanteaza obtinerea autorizatiilor de functionare, aceasta indicand doar permisiunea data fondatorilor de a proceda la constituirea organizatiilor cooperatiste din cadrul retelei, potrivit proiectului aprobat si prevederilor ordonantei.
    Art. 23
    Respingerea de catre Banca Nationala a Romaniei a cererii de aprobare colectiva a constituirii unei retele atrage in mod automat revocarea avizului prealabil de constituire a retelei, originalul documentului emis in acest sens de catre Banca Nationala a Romaniei urmand sa fie restituite acesteia.
    Art. 24
    (1) In vederea obtinerii autorizatiilor de functionare a casei centrale si a cooperativelor de credit afiliate care s-au constituit pe baza aprobarii colective de constituire a retelei, cererea semnata de conducatorii casei centrale in numele acesteia si al cooperativelor de credit afiliate va fi inaintata Bancii Nationale a Romaniei, insotita de documentele prevazute la art. 142 din ordonanta pentru fiecare organizatie cooperatista de credit din retea, cu respectarea urmatoarelor cerinte:
    a) copia de pe certificatul de inmatriculare va fi insotita de un extras certificat de pe inregistrarile efectuate in registrul comertului;
    b) pentru varsamintele la capitalul social se va prezenta scrisoarea din partea institutiei de credit la care a fost deschis, cu respectarea prevederilor ordonantei, contul destinat colectarii varsamintelor la capitalul social, scrisoare prin care sa se confirme suma varsata de fiecare membru cooperator sau, dupa caz, cooperativa de credit afiliata si faptul ca acest cont a fost blocat pana la data inmatricularii organizatiei cooperatiste de credit respective;
    c) dovada detinerii cu titlu legal a spatiului aferent sediului social se va materializa fie intr-un act de proprietate incheiat in forma autentica, inscris in cartea funciara sau transcris in registrul de inscriptiuni si transcriptiuni imobiliare de pe langa judecatoria in a carei raza teritoriala se afla imobilul, fie intr-un contract de inchiriere sau de subinchiriere inregistrat la autoritatea fiscala; in cazul contractului de subinchiriere se va prezenta si consimtamantul scris al proprietarului, concretizat intr-o declaratie incheiata in forma autentica, precum si contractul de inchiriere inregistrat la autoritatea fiscala;
    d) comunicarea privind existenta reglementarilor proprii ale organizatiilor cooperatiste de credit si a reglementarilor-cadru ale casei centrale va fi insotita de reglementarile acesteia privind reguli si norme etice si profesionale pentru calitatea, experienta si activitatea conducatorilor cooperativelor de credit afiliate si de cele privind desfasurarea transferului de fonduri intre cooperativele de credit afiliate.
    (2) Pe langa documentatia prevazuta la art. 142 din ordonanta casa centrala va transmite Bancii Nationale a Romaniei si confirmarea privind realizarea afilierii fiecarei cooperative de credit din retea, in conditiile stabilite de casa centrala.
    Art. 25
    Prevederile art. 21 se aplica in mod corespunzator si in etapa autorizarii de catre Banca Nationala a Romaniei a functionarii casei centrale si a cooperativelor de credit afiliate.
    Art. 26
    (1) Banca Nationala a Romaniei decide cu privire la cererea de autorizare a functionarii organizatiilor cooperatiste de credit din retea in termenul prevazut de ordonanta.
    (2) Comunicarea Bancii Nationale a Romaniei privind decizia acesteia, insotita de autorizatiile de functionare pentru fiecare organizatie cooperatista de credit autorizata si/sau cuprinzand motivele care au stat la baza deciziei, in cazul respingerii cererii, va fi transmisa casei centrale, care o va remite de indata cooperativelor de credit respective.
    (3) Respingerea de catre Banca Nationala a Romaniei a cererii de autorizare a functionarii pentru una sau mai multe cooperative de credit, in situatia prevazuta la art. 25, atrage in mod automat revocarea aprobarii de constituire pentru aceasta/acestea.
    Art. 27
    (1) In cazul respingerii cererii de autorizare a functionarii casei centrale, o noua cerere de autorizare poate fi adresata o singura data Bancii Nationale a Romaniei, in conditiile prevazute la art. 146 alin. 2 din ordonanta.
    (2) Daca o noua cerere de autorizare nu a fost adresata Bancii Nationale a Romaniei in termenul prevazut la art. 146 alin. 2 din ordonanta sau daca aceasta cerere a fost respinsa, documentele emise de Banca Nationala a Romaniei, respectiv avizul prealabil si aprobarea colectiva de constituire a retelei revocate conform art. 146 alin. 1 din ordonanta, vor fi restituite de indata acesteia.

    SECTIUNEA III
    Organizatiile cooperatiste de credit care se constituie in conformitate cu dispozitiile tranzitorii ale ordonantei
    Art. 28
    Cerintele specifice prevazute la art. 13 - 27 se aplica in mod corespunzator si organizatiilor cooperatiste de credit care se vor constitui sau vor rezulta prin reorganizarea organizatiilor cooperatiei de credit existente, in conformitate cu prevederile titlului X cap. 1 sectiunea 1 din ordonanta.
    Art. 29
    Documentatia prevazuta la art. 252 alin. 1 din ordonanta in vederea obtinerii avizului prealabil de constituire sau, dupa caz, de reorganizare a retelei va fi remisa Bancii Nationale a Romaniei in termenul mentionat la art. 249 din ordonanta, respectandu-se si urmatoarele cerinte:
    a) studiul de fezabilitate va cuprinde, in situatia prevazuta la art. 258 din ordonanta, si modalitatile prin care se preconizeaza atingerea nivelului minim al capitalului agregat al retelei in termen de un an de la data acordarii autorizatiei de functionare a casei centrale;
    b) pentru organizatiile cooperatiei de credit rezultate in urma fuziunii sau divizarii realizate in baza prevederilor Legii nr. 109/1996 dupa data de 31 decembrie 1999, se va transmite bilantul de fuziune, respectiv de divizare.
    Art. 30
    Organizatiile cooperatiei de credit rezultate in urma fuziunii sau divizarii realizate in baza prevederilor Legii nr. 109/1996 dupa data de 31 decembrie 1999 nu trebuie sa inregistreze un nivel negativ al activului net potrivit bilantului de fuziune, respectiv de divizare.
    Art. 31
    In cadrul documentatiei prevazute la art. 257 din ordonanta situatia patrimoniului se va transmite pe formularul-anexa la Normele metodologice ale Ministerului Finantelor privind intocmirea, verificarea si centralizarea raportarilor contabile ale agentilor economici.

    CAP. 3
    Dispozitii finale

    Art. 32
    (1) Directia politici financiar-bancare din cadrul Bancii Nationale a Romaniei va confirma in termen de 3 zile lucratoare primirea cererilor depuse in scopul autorizarii organizatiilor cooperatiste de credit, potrivit prevederilor ordonantei si ale prezentelor norme.
    (2) In cererile adresate Bancii Nationale a Romaniei solicitantii vor indica adresa si numarul de telefon/fax la care pot fi contactati.
    Art. 33
    (1) In fiecare etapa a procesului de autorizare este necesar ca dosarul prezentat in sustinerea cererii sa cuprinda toate documentele prevazute de ordonanta si de prezentele norme si ca instrumentarea acestora sa se fi putut incheia cu cel putin 5 zile lucratoare inainte de data sedintei Consiliului de administratie al Bancii Nationale a Romaniei in a carei ordine de zi urmeaza sa fie inscris.
    (2) In aplicarea prevederilor alin. (1) toate actele inregistrate la Banca Nationala a Romaniei incepand cu ziua care preceda intervalul de 15 zile lucratoare anterior datei incheierii termenului in care Banca Nationala a Romaniei trebuie sa se pronunte conform prevederilor ordonantei vor fi restituite titularilor cererilor, fara a fi luate in considerare la analizarea acestora.
    (3) Documentatia se va prezenta Bancii Nationale a Romaniei in limba romana; actele cu caracter oficial si cele sub semnatura privata, pentru care nu este prevazuta in ordonanta forma in care acestea se remit Bancii Nationale a Romaniei, vor fi prezentate in original sau in copie legalizata, dupa caz.
    Art. 34
    Casa centrala va pastra confidentialitatea informatiilor dobandite in procesul de autorizare a cooperativelor de credit afiliate, cu exceptia cazurilor prevazute de lege.
    Art. 35
    La elaborarea reglementarilor proprii privind aprobarea constituirii cooperativelor de credit casele centrale vor avea in vedere prevederile prezentelor norme si nu vor putea stabili cerinte mai putin restrictive decat cele prevazute de aceste norme.
    Art. 36
    (1) Documentatiile depuse la Banca Nationala a Romaniei in vederea autorizarii inainte de data intrarii in vigoare a prezentelor norme, care nu sunt conforme cu prevederile ordonantei si ale prezentelor norme, vor putea fi retrase si prezentate din nou, in conditiile respectarii, dupa caz, a termenului mentionat la art. 246 alin. 2 din ordonanta.
    (2) Daca documentatia nu este retrasa, deficientele existente, atat in cazul in care nu sunt indeplinite conditiile de fond, cat si in cazul in care documentele sunt incomplete sau incorect intocmite, trebuie sa fie inlaturate pana la data incheierii termenelor in care Banca Nationala a Romaniei trebuie sa se pronunte conform prevederilor ordonantei, cu respectarea corespunzatoare a prevederilor art. 33 alin. (2). In caz contrar devin incidente prevederile din ordonanta referitoare la respingerea cererii.
    Art. 37
    Anexele nr. 1 - 6*) fac parte integranta din prezentele norme.
------------
    *) Anexele nr. 1 - 6 sunt reproduse in facsimil.

               p. GUVERNATORUL BANCII NATIONALE A ROMANIEI,
                             MIHAI BOGZA

    Confidential

    ANEXA 1

                             CHESTIONAR
pentru conducatorii potentiali ai organizatiei cooperatiste de credit*)

    *) Chestionarul va fi completat prin dactilografiere, la toate intrebarile; daca spatiul este insuficient, raspunsurile pot fi date pe o foaie separata.
    Nu sunt acceptate chestionarele semnate prin reprezentare.

    1. Denumirea si adresa sediului social al cooperativei de credit/casei centrale
    ________________________________________________________________________
    ________________________________________________________________________

    2. Identitatea candidatului (nume si prenume, data nasterii, cetatenia si adresa)
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    3. Functia pe care o veti exercita in cadrul cooperativei de credit/casei centrale. Se va prezenta si o descriere a atributiilor si responsabilitatilor aferente acesteia.
    ________________________________________________________________________

    4. Ati fost in cursul ultimilor zece ani sau sunteti actionar semnificativ (care detine cel putin 5% din capital sau din drepturile de vot), asociat intr-o societate in nume colectiv sau asociat comanditar intr-o societate in comandita? In aceasta eventualitate, precizati denumirea si activitatea societatii comerciale si nivelul participatiei dvs.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    5. Ati exercitat in ultimii zece ani sau exercitati responsabilitati in conducerea si administrarea unor entitati (societati comerciale, institutii, organizatii, etc.), altele decat cele precizate la pct. 1 si in curriculum vitae? Daca da, precizati denumirea si activitatea acestora, natura si durata functiei.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    6. Precizati care dintre entitatile in care ati exercitat sau exercitati responsabilitati sau in care ati fost sau sunteti actionar semnificativ, asociat sau asociat comanditar, intretine sau ar putea sa intretina in viitor, dupa stiinta dvs., relatii de afaceri semnificative cu cooperativa de credit/casa centrala?
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    7. In ultimii zece ani autoritatile competente au refuzat sau retras o autorizatie in domeniul bancar sau financiar (in Romania sau in strainatate) dvs. personal sau vreuneia dintre entitatile in care ati exercitat sau exercitati responsabilitati sau in care sunteti sau ati fost actionar semnificativ, asociat sau asociat comanditat? Daca da, dati detalii.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    8. In ultimii 10 ani, entitatile unde ati exercitat sau exercitati responsabilitati sau in care ati fost sau sunteti un actionar semnificativ, asociat sau asociat comanditat s-au aflat in conflict cu vreo autoritate (in Romania sau in strainatate), insarcinata in supravegherea sistemul financiar-bancar? In caz afirmativ, faceti orice precizari utile.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    9. In ultimii zece ani ati facut obiectul, in Romania sau in strainatate, vreunei anchete sau proceduri profesionale, disciplinare, administrative sau judiciare, care s-a incheiat cu o sanctiune? Daca da, dati detalii, indiferent daca intre timp ati fost reabilitat (Se vor indica: autoritatea care a dispus sanctionarea, fapta sanctionata, sanctiunea si data aplicarii sanctiunii).
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    10. Ati fost sanctionat disciplinar la vreuna dintre entitatile al caror angajat ati fost? Daca da, dati detalii.
    ________________________________________________________________________
    ________________________________________________________________________

    11. Obligatiile dvs. financiare se afla intr-o relatie sanatoasa cu veniturile dvs.?
    ________________________________________________________________________

    12. Ati avut dvs. sau entitatile la care ati exercitat sau exercitati responsabilitati sau sunteti sau ati fost actionar semnificativ, asociat sau asociat comanditat, dificultati financiare majore, care sa fi condus la proceduri judiciare sau extra-judiciare? Daca da, faceti orice precizare utila.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    13. Comunicati orice informatii suplimentare, care ar putea fi considerate relevante pentru aprecierea calificarii, experientei profesionale si a onorabilitatii dvs.
    ________________________________________________________________________
    ________________________________________________________________________

    Subsemnatul declar pe propria raspundere, sub sanctiunea legii, ca toate raspunsurile sunt complete si conforme cu realitatea si nu exista alte fapte relevante asupra carora Banca Nationala a Romaniei ar trebui incunostintata.
    Totodata, ma angajez sa comunic casei centrale/Bancii Nationale a Romaniei orice schimbare care va modifica informatiile furnizate.

    Data      Numarul anexelor      Semnatura candidatului,

    N.B.
    Banca Nationala a Romaniei va pastra confidentialitatea informatiilor cuprinse in raspunsurile la acest chestionar, cu exceptia cazurilor prevazute de lege.

    ANEXA 2

                                DECLARATIE*)

                               (numele si prenumele)
    Subsemnatul __________________________________________________________
numit in calitate de conducator al*1) ______________________________________, in functia declarata la pct. 3 din chestionarul - anexa nr. 1, declar ca:
    - nu ma aflu in nici una dintre situatiile prevazute la art. 117 din
      Ordonanta de urgenta a Guvernului nr. 97/2000 ori in alta situatie de
      incompatibilitate prevazuta de legislatia in vigoare;
    - pe perioada indeplinirii functiei respective, voi exercita exclusiv
      aceasta functie si voi avea resedinta in _________________________.
------------
    *) Se va completa de catre persoanele propuse in calitate de conducator al unei case centrale a cooperativelor de credit
    *1) Se va completa, dupa caz, cu denumirea casei centrale

               DATA                    SEMNATURA,

    ANEXA 3
 
                        BILANT ESTIMATIV*)
                  - retea cooperatista de credit -

    JUDETUL ________________________|_|_|
    DENUMIREA COOPERATIVEI DE CREDIT: _____________________________________
    ADRESA LOC: _____________, sector __, STR.: ___________________ nr: ___
    TELEFONUL: _______________ FAXUL: ___________________
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                    ACTIV                     | Amortizari si | Sume nete |
|                                              |  provizioane  |           |
|______________________________________________|_______________|___________|
|                      A                       |      1        |     2     |
|______________________________________________|_______________|___________|
| Operatiuni de trezorerie si operatiuni cu    |               |           |
| institutii de credit                         |               |           |
|______________________________________________|_______________|___________|
| - Casa si alte valori                        |               |           |
|______________________________________________|_______________|___________|
|   - Casa                                     |               |           |
|______________________________________________|_______________|___________|
|   - Alte valori                              |               |           |
|______________________________________________|_______________|___________|
| - Cont curent la banci centrale              |               |           |
|______________________________________________|_______________|___________|
| - Conturi de corespondent la institutii      |               |           |
|   de credit (nostro)                         |               |           |
|______________________________________________|_______________|___________|
| - Depozite la casa centrala                  |               |           |
|______________________________________________|_______________|___________|
| - Depozite la alte institutii de credit      |               |           |
|______________________________________________|_______________|___________|
| - Credite acordate institutiilor de credit   |               |           |
|______________________________________________|_______________|___________|
| - Valori primite in pensiune                 |               |           |
|______________________________________________|_______________|___________|
| - Valori de recuperat                        |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
| Operatiuni cu clientela                      |               |           |
|______________________________________________|_______________|___________|
| - Creante comerciale                         |               |           |
|______________________________________________|_______________|___________|
| - Credite de trezorerie                      |               |           |
|______________________________________________|_______________|___________|
| - Credite pentru export                      |               |           |
|______________________________________________|_______________|___________|
| - Credite pentru echipament                  |               |           |
|______________________________________________|_______________|___________|
| - Credite pentru bunuri imobiliare           |               |           |
|______________________________________________|_______________|___________|
| - Alte credite acordate clientelei           |               |           |
|______________________________________________|_______________|___________|
| - Credite acordate clientelei financiare     |               |           |
|______________________________________________|_______________|___________|
| - Valori primite in pensiune                 |               |           |
|______________________________________________|_______________|___________|
| - Conturi curente debitoare                  |               |           |
|______________________________________________|_______________|___________|
| - Valori de recuperat                        |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
    *) Pentru intocmirea bilantului estimativ, a contului de profit si pierderi estimativ si a repartizarii previzionate a rezultatului la nivelul retelei cooperatiste de credit, situatiile reprezentand bilantul estimativ, contul de profit si pierderi estimativ si repartizarea previzionata a rezultatului intocmite de organizatiile cooperatiste de credit componente ale respectivei retele cooperatiste de credit vor fi combinate element cu element, prin insumarea elementelor similare de activ, pasiv, venituri si cheltuieli, dupa eliminarea in prealabil a elementelor aferente operatiunilor efectuate intre organizatiile cooperatiste de credit componente ale respectivei retele cooperatiste de credit

    DENUMIREA CASEI CENTRALE: ..............................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                    ACTIV                     | Amortizari si | Sume nete |
|                                              |  provizioane  |           |
|______________________________________________|_______________|___________|
|                      A                       |      1        |     2     |
|______________________________________________|_______________|___________|
| Operatiuni cu titluri si operatiuni diverse  |               |           |
|______________________________________________|_______________|___________|
| - Titluri primite in pensiune livrata        |               |           |
|______________________________________________|_______________|___________|
| - Titluri de tranzactie                      |               |           |
|______________________________________________|_______________|___________|
| - Titluri de plasament                       |               |           |
|______________________________________________|_______________|___________|
| - Titluri de investitii                      |               |           |
|______________________________________________|_______________|___________|
| - Conturi de decontare privind               |               |           |
|   operatiunile cu titluri                    |               |           |
|______________________________________________|_______________|___________|
| - Decontari intracooperatiste                |               |           |
|______________________________________________|_______________|___________|
| - Personal si conturi asimilate              |               |           |
|______________________________________________|_______________|___________|
| - Asigurari sociale, protectia               |               |           |
|   sociala si conturi asimilate               |               |           |
|______________________________________________|_______________|___________|
| - Bugetul statului, fonduri speciale si      |               |           |
|   conturi asimilate                          |               |           |
|______________________________________________|_______________|___________|
| - Debitori diversi                           |               |           |
|______________________________________________|_______________|___________|
| - Conturi de stocuri                         |               |           |
|______________________________________________|_______________|___________|
| - Conturi de regularizare                    |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
| Valori imobilizate                           |               |           |
|______________________________________________|_______________|___________|
| - Credite subordonate                        |               |           |
|______________________________________________|_______________|___________|
| - Parti in cadrul societatilor comerciale    |               |           |
|   legate, titluri de participare si titluri  |               |           |
|   ale activitatii de portofoliu              |               |           |
|______________________________________________|_______________|___________|
| - Imobilizari in curs, imobilizari ale       |               |           |
|   activitatii de exploatare, imobilizari     |               |           |
|   in afara activitatii de exploatare         |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
| Actionari sau asociati                       |               |           |
|______________________________________________|_______________|___________|
| TOTAL                                        |               |           |
|______________________________________________|_______________|___________|

                             BILANT ESTIMATIV
                    - retea cooperatista de credit -

    DENUMIREA CASEI CENTRALE: ..............................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 2 |
                                              |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|                    PASIV                                   |     Sume    |
|____________________________________________________________|_____________|
|                      A                                     |       1     |
|____________________________________________________________|_____________|
| Operatiuni de trezorerie si operatiuni cu institutiile de  |             |
| credit                                                     |             |
|____________________________________________________________|_____________|
| - Imprumuturi de refinantare de la banci centrale          |             |
|____________________________________________________________|_____________|
| - Conturi de corespondent ale institutiilor de credit      |             |
|   (loro)                                                   |             |
|____________________________________________________________|_____________|
| - Depozite ale institutiilor de credit                     |             |
|____________________________________________________________|_____________|
| - Imprumuturi primite de la institutii de credit           |             |
|____________________________________________________________|_____________|
| - Valori date in pensiune                                  |             |
|____________________________________________________________|_____________|
| - Alte sume datorate                                       |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| Operatiuni cu clientela                                    |             |
|____________________________________________________________|_____________|
| - Imprumuturi primite de la clientela financiara           |             |
|____________________________________________________________|_____________|
| - Valori date in pensiune                                  |             |
|____________________________________________________________|_____________|
| - Conturi curente creditoare                               |             |
|____________________________________________________________|_____________|
| - Conturi de factoring                                     |             |
|____________________________________________________________|_____________|
| - Conturi de depozite                                      |             |
|____________________________________________________________|_____________|
| - Certificate de depozit                                   |             |
|____________________________________________________________|_____________|
| - Carnete si librete de economii                           |             |
|____________________________________________________________|_____________|
| - Alte sume datorate                                       |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| Operatiuni cu titluri si operatiuni diverse                |             |
|____________________________________________________________|_____________|
| - Titluri date in pensiune livrata                         |             |
|____________________________________________________________|_____________|
| - Titluri de tranzactie                                    |             |
|____________________________________________________________|_____________|
| - Titluri de piata interbancara                            |             |
|____________________________________________________________|_____________|
| - Titluri de creante negociabile                           |             |
|____________________________________________________________|_____________|
| - Obligatiuni                                              |             |
|____________________________________________________________|_____________|
| - Alte datorii constituite prin titluri                    |             |
|____________________________________________________________|_____________|
| - Conturi de decontare privind operatiunile cu titluri     |             |
|____________________________________________________________|_____________|
| - Varsaminte de efectuat privind titlurile                 |             |
|____________________________________________________________|_____________|
| - Decontari intracooperatiste                              |             |
|____________________________________________________________|_____________|
| - Personal si conturi asimilate                            |             |
|____________________________________________________________|_____________|
| - Asigurari sociale, protectia sociala si conturi asimilate|             |
|____________________________________________________________|_____________|
| - Bugetul statului, fonduri speciale si                    |             |
|   conturi asimilate                                        |             |
|____________________________________________________________|_____________|
| - Dividende de plata                                       |             |
|____________________________________________________________|_____________|
| - Creditori diversi                                        |             |
|____________________________________________________________|_____________|
| - Conturi de regularizare                                  |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| Capitaluri proprii, asimilate si provizioane               |             |
|____________________________________________________________|_____________|
| - Capital                                                  |             |
|____________________________________________________________|_____________|
| - Prime legate de capital                                  |             |
|____________________________________________________________|_____________|
| - Rezerve legale                                           |             |
|____________________________________________________________|_____________|
| - Rezerva de intrajutorare                                 |             |
|____________________________________________________________|_____________|
| - Rezerva mutuala de garantare                             |             |
|____________________________________________________________|_____________|
| - Rezerve statutare                                        |             |
|____________________________________________________________|_____________|
| - Rezerva generala pentru riscul de credit                 |             |
|____________________________________________________________|_____________|
| - Diferente din reevaluare                                 |             |
|____________________________________________________________|_____________|
| - Alte rezerve                                             |             |
|____________________________________________________________|_____________|
| - Fonduri                                                  |             |
|____________________________________________________________|_____________|
| - Datorii subordonate                                      |             |
|____________________________________________________________|_____________|
| - Subventii si fonduri publice alocate                     |             |
|____________________________________________________________|_____________|
| - Provizioane pentru riscuri si cheltuieli                 |             |
|____________________________________________________________|_____________|
| - Provizioane reglementate                                 |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| - Rezultatul reportat (+/-)*)                              |             |
|____________________________________________________________|_____________|
| - Profit sau pierdere (+/-)*)                              |             |
|____________________________________________________________|_____________|
| - Repartizarea profitului                                  |             |
|____________________________________________________________|_____________|
| TOTAL                                                      |             |
|____________________________________________________________|_____________|
    *) Sumele negative trebuie sa fie precedate de semnul -

                               BILANT ESTIMATIV
                       - retea cooperatista de credit -

    DENUMIREA CASEI CENTRALE: ..............................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 3 |
                                              |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|        CONTURI IN AFARA BILANTULUI                         |    Sume     |
|____________________________________________________________|_____________|
|                      A                                     |      1      |
|____________________________________________________________|_____________|
| Angajamente de finantare                                   |      _      |
|____________________________________________________________|_____________|
| - Angajamente in favoarea altor institutii de credit       |             |
|____________________________________________________________|_____________|
| - Angajamente primite de la institutii de credit           |             |
|____________________________________________________________|_____________|
| - Angajamente in favoarea clientelei                       |             |
|____________________________________________________________|_____________|
| - Angajamente primite de la clientela financiara si        |             |
|   institutiile administratiei publice                      |             |
|____________________________________________________________|_____________|
| Angajamente de garantie                                    |       _     |
|____________________________________________________________|_____________|
| - Cautiuni, avaluri si alte garantii date                  |             |
|   altor institutii de credit                               |             |
|____________________________________________________________|_____________|
| - Cautiuni, avaluri si alte garantii primite               |             |
|   de la institutii de credit                               |             |
|____________________________________________________________|_____________|
| - Garantii date pentru clientela                           |             |
|____________________________________________________________|_____________|
| - Garantii primite de la clientela                         |             |
|____________________________________________________________|_____________|
| Angajamente privind titlurile                              |       _     |
|____________________________________________________________|_____________|
| - Titluri de primit                                        |             |
|____________________________________________________________|_____________|
|  - Titluri vandute cu posibilitate de rascumparare         |             |
|____________________________________________________________|_____________|
|  - Alte titluri de primit                                  |             |
|____________________________________________________________|_____________|
| - Titluri de livrat                                        |             |
|____________________________________________________________|_____________|
|  - Titluri cumparate cu posibilitate de rascumparare       |             |
|____________________________________________________________|_____________|
|  - Alte titluri de livrat                                  |             |
|____________________________________________________________|_____________|
| Operatiuni in devize                                       |       _     |
|____________________________________________________________|_____________|
| - Operatiuni de schimb la vedere                           |       _     |
|____________________________________________________________|_____________|
|  - Lei cumparati si inca neprimiti                         |             |
|____________________________________________________________|_____________|
|  - Devize cumparate si inca neprimite                      |             |
|____________________________________________________________|_____________|
|  - Lei vanduti si inca nelivrati                           |             |
|____________________________________________________________|_____________|
|  - Devize vandute si inca nelivrate                        |             |
|____________________________________________________________|_____________|
| - Operatiuni privind devizele date si luate cu imprumut    |       _     |
|____________________________________________________________|_____________|
|  - Devize date cu imprumut si inca nelivrate               |             |
|____________________________________________________________|_____________|
|  - Devize luate cu imprumut si inca neprimite              |             |
|____________________________________________________________|_____________|
| - Operatiuni de schimb la termen                           |       _     |
|____________________________________________________________|_____________|
|  - Lei de primit contra devize de livrat                   |             |
|____________________________________________________________|_____________|
|  - Devize de livrat contra lei de primit                   |             |
|____________________________________________________________|_____________|
|  - Devize de primit contra lei de livrat                   |             |
|____________________________________________________________|_____________|
|  - Lei de livrat contra devize de primit                   |             |
|____________________________________________________________|_____________|
|  - Devize de primit contra devize de livrat                |             |
|____________________________________________________________|_____________|
|  - Devize de livrat contra devize de primit                |             |
|____________________________________________________________|_____________|
| - Report/deport calculat anticipat                         |       _     |
|____________________________________________________________|_____________|
|  - de primit                                               |             |
|____________________________________________________________|_____________|
|  - de platit                                               |             |
|____________________________________________________________|_____________|
| - Dobanzi neajunse la scadenta in devize acoperite la      |      _      |
|   termen                                                   |             |
|____________________________________________________________|_____________|
|  - de incasat                                              |             |
|____________________________________________________________|_____________|
|  - de platit                                               |             |
|____________________________________________________________|_____________|
| - Conturi de ajustare devize (+/-)*)                       |             |
|____________________________________________________________|_____________|
| Angajamente diverse                                        |      _      |
|____________________________________________________________|_____________|
| - Redevente, locatii de gestiune, chirii si                |             |
|   alte datorii asimilate                                   |             |
|____________________________________________________________|_____________|
| - Titluri primite in garantie                              |             |
|____________________________________________________________|_____________|
| - Titluri date in garantie                                 |             |
|____________________________________________________________|_____________|
| - Alte angajamente diverse date                            |             |
|____________________________________________________________|_____________|
| - Alte angajamente diverse primite                         |             |
|____________________________________________________________|_____________|
| Angajamente indoielnice                                    |             |
|____________________________________________________________|_____________|
| Conturi de evidenta                                        |             |
|____________________________________________________________|_____________|
| - Mijloace fixe luate cu chirie                            |             |
|____________________________________________________________|_____________|
| - Valori primite in pastrare sau custodie                  |             |
|____________________________________________________________|_____________|
| - Creante scoase din activ, urmarite in continuare,        |             |
|   din care:                                                |             |
|____________________________________________________________|_____________|
|  - Creante scoase din activ, urmarite in                   |             |
|    continuare potrivit dispozitiilor legale                |             |
|____________________________________________________________|_____________|
|   - Credite aferente contractelor de credit investite cu   |             |
|     formula executorie, urmarite in continuare             |             |
|____________________________________________________________|_____________|
|   - Valori primite in pensiune aferente contractelor de    |             |
|     credit investite cu formula executorie, urmarite in    |             |
|     continuare                                             |             |
|____________________________________________________________|_____________|
|   - Titluri primite in pensiune livrata aferente           |             |
|     contractelor de credit investite cu formula            |             |
|     executorie, urmarite in continuare                     |             |
|____________________________________________________________|_____________|
|   - Dobanzi aferente contractelor de credit investite cu   |             |
|     formula executorie, urmarite in continuare             |             |
|____________________________________________________________|_____________|
|   - Alte creante scoase din activ, urmarite in continuare  |             |
|____________________________________________________________|_____________|
| - Creante atasate                                          |             |
|____________________________________________________________|_____________|
| - Debitori din penalitati pretinse                         |             |
|____________________________________________________________|_____________|
| - Amortizarea aferenta gradului de                         |             |
|   neutilizare a mijloacelor fixe                           |             |
|____________________________________________________________|_____________|
| - Alte valori primite                                      |             |
|____________________________________________________________|_____________|
| - Alte valori date                                         |             |
|____________________________________________________________|_____________|
    *1) Sumele negative trebuie sa fie precedate de semnul -

              CONTUL DE PROFIT SI PIERDERI ESTIMATIV
                  - retea cooperatista de credit -

    JUDETUL ____________________|_|_|
    DENUMIREA CASEI CENTRALE: _____________________________________________
    ADRESA LOC: _____________, sector __, STR.: ___________________ nr: ___
    TELEFONUL: _______________ FAXUL: ___________________
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| VENITURI DIN ACTIVITATEA DE EXPLOATARE BANCARA             |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile de trezorerie si operatiunile cu |             |
| institutiile de credit                                     |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Banci centrale                                          |             |
|____________________________________________________________|_____________|
|  - Conturi de corespondent                                 |             |
|____________________________________________________________|_____________|
|  - Depozite la institutii de credit                        |             |
|____________________________________________________________|_____________|
|    - la vedere                                             |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|    - colaterale                                            |             |
|____________________________________________________________|_____________|
|  - Credite acordate institutiilor de credit                |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|    - financiare                                            |             |
|____________________________________________________________|_____________|
|  - Valori primite in pensiune                              |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|    - Titluri cu posibilitate de rascumparare               |             |
|____________________________________________________________|_____________|
|    - Report / deport                                       |             |
|____________________________________________________________|_____________|
|    - Diverse dobanzi                                       |             |
|____________________________________________________________|_____________|
|  - Creante restante si indoielnice                         |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Venituri din operatiuni cu clientela                       |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Creante comerciale si credite acordate clientelei       |             |
|____________________________________________________________|_____________|
|    - Scont, asimilate si alte creante comerciale           |             |
|____________________________________________________________|_____________|
|    - Operatiuni de factoring                               |             |
|____________________________________________________________|_____________|
|    - Credite de trezorerie                                 |             |
|____________________________________________________________|_____________|
|    - Credite pentru export                                 |             |
|____________________________________________________________|_____________|
|    - Credite pentru echipament                             |             |
|____________________________________________________________|_____________|
|    - Credite pentru bunuri imobiliare                      |             |
|____________________________________________________________|_____________|
|    - Alte credite acordate clientelei                      |             |
|____________________________________________________________|_____________|
|  - Credite acordate clientelei financiare                  |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|  - Valori primite in pensiune                              |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|  - Conturi curente debitoare                               |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|    - Titluri cu posibilitate de rascumparare               |             |
|____________________________________________________________|_____________|
|    - Report / deport                                       |             |
|____________________________________________________________|_____________|
|    - Diverse dobanzi                                       |             |
|____________________________________________________________|_____________|
|  - Creante restante si indoielnice                         |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Venituri din operatiuni cu titluri                         |             |
|____________________________________________________________|_____________|
| - Dobanzi de la titlurile primite in pensiune livrata      |             |
|____________________________________________________________|_____________|
| - Venituri din titlurile de tranzactie                     |             |
|____________________________________________________________|_____________|
| - Venituri din titlurile de plasament                      |             |
|____________________________________________________________|_____________|
|   - Dobanzi                                                |             |
|____________________________________________________________|_____________|
|   - Dividende si venituri asimilate                        |             |
|____________________________________________________________|_____________|
|   - Venituri din cesiune                                   |             |
|____________________________________________________________|_____________|
| - Venituri din titlurile de investitii                     |             |
|____________________________________________________________|_____________|
|   - Dobanzi                                                |             |
|____________________________________________________________|_____________|
|   - Venituri din prime                                     |             |
|____________________________________________________________|_____________|
| - Venituri din datorii constituite prin titluri            |             |
|____________________________________________________________|_____________|
| - Venituri diverse din operatiunile cu titluri             |             |
|____________________________________________________________|_____________|
| - Dobanzi din creante restante si indoielnice              |             |
|____________________________________________________________|_____________|
| - Comisioane                                               |             |
|____________________________________________________________|_____________|
| Venituri din credite subordonate, parti in cadrul          |             |
| societatilor comerciale legate, titluri de participare     |             |
| si titluri ale activitatii de portofoliu                   |             |
|____________________________________________________________|_____________|
| - Dobanzi de la creditele subordonate la termen            |             |
|____________________________________________________________|_____________|
| - Dobanzi de la creditele subordonate pe durata            |             |
|   nedeterminata                                            |             |
|____________________________________________________________|_____________|
| - Dividende si venituri asimilate                          |             |
|____________________________________________________________|_____________|
| - Dobanzi din creante restante si indoielnice              |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile de schimb                        |             |
|____________________________________________________________|_____________|
| - Venituri din operatiunile de schimb si arbitraj          |             |
|____________________________________________________________|_____________|
| - Comisioane                                               |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile in afara bilantului              |             |
|____________________________________________________________|_____________|
| - Venituri din angajamentele de finantare                  |             |
|____________________________________________________________|_____________|
|   - Angajamente de finantare in favoarea institutiilor     |             |
|     de credit                                              |             |
|____________________________________________________________|_____________|
|   - Angajamente de finantare in favoarea clientelei        |             |
|____________________________________________________________|_____________|
| - Venituri din angajamentele de garantie                   |             |
|____________________________________________________________|_____________|
|   - Angajamente de garantie in favoarea institutiilor      |             |
|     de credit                                              |             |
|____________________________________________________________|_____________|
|   - Angajamente de garantie in favoarea clientelei         |             |
|____________________________________________________________|_____________|
| - Venituri din alte angajamente date                       |             |
|____________________________________________________________|_____________|
| Venituri din prestatiile de servicii financiare            |             |
|____________________________________________________________|_____________|
| - Comisioane privind titlurile gestionate sau in depozit   |             |
|____________________________________________________________|_____________|
| - Comisioane privind operatiunile cu titluri efectuate     |             |
|   in contul clientelei                                     |             |
|____________________________________________________________|_____________|
| - Comisioane din activitatile de asistenta si de           |             |
|   consultanta                                              |             |
|____________________________________________________________|_____________|
|   - Comisioane din activitatile de asistenta si            |             |
|     consultanta pentru persoane fizice                     |             |
|____________________________________________________________|_____________|
|   - Comisioane din activitatile de asistenta si            |             |
|     consultanta pentru persoane juridice                   |             |
|____________________________________________________________|_____________|
|   - Alte comisioane                                        |             |
|____________________________________________________________|_____________|
| - Venituri privind mijloacele de plata                     |             |
|____________________________________________________________|_____________|
| - Alte venituri din prestatiile de servicii financiare     |             |
|____________________________________________________________|_____________|
| Alte venituri din activitatea de exploatare bancara        |             |
|____________________________________________________________|_____________|
| - Cota-parte privind operatiunile de exploatare bancara    |             |
| efectuate in comun                                         |             |
|____________________________________________________________|_____________|
| - Cheltuieli refacturate privind operatiunile de           |             |
|   exploatare bancara efectuate in comun                    |             |
|____________________________________________________________|_____________|
| - Transferuri de cheltuieli de exploatare bancara          |             |
|____________________________________________________________|_____________|
| - Venituri diverse de exploatare bancara                   |             |
|____________________________________________________________|_____________|
| VENITURI DIVERSE DIN EXPLOATARE                            |             |
|____________________________________________________________|_____________|
| Cheltuieli refacturate                                     |             |
|____________________________________________________________|_____________|
| - Cheltuieli refacturate societatilor grupului             |             |
|____________________________________________________________|_____________|
| - Cheltuieli refacturate altor societati                   |             |
|____________________________________________________________|_____________|
| Cota-parte privind operatiunile de exploatare nebancare    |             |
| efectuate in comun                                         |             |
|____________________________________________________________|_____________|
| Cota-parte din cheltuielile sediului social                |             |
|____________________________________________________________|_____________|
| Venituri din cesiunea imobilizarilor                       |             |
|____________________________________________________________|_____________|
| - Venituri din cesiunea imobilizarilor necorporale si      |             |
|   corporale                                                |             |
|____________________________________________________________|_____________|
| - Venituri din cesiunea imobilizarilor financiare          |             |
|____________________________________________________________|_____________|
| Venituri accesorii                                         |             |
|____________________________________________________________|_____________|
| - Venituri privind imobilele legate de exploatare          |             |
|____________________________________________________________|_____________|
| - Venituri din activitati nebancare                        |             |
|____________________________________________________________|_____________|
| - Alte venituri accesorii                                  |             |
|____________________________________________________________|_____________|
| Alte venituri diverse din exploatare                       |             |
|____________________________________________________________|_____________|
| - Transferuri de cheltuieli de exploatare nebancara        |             |
|____________________________________________________________|_____________|
| - Cota-parte din subventiile de investitii trecuta         |             |
|   la venituri                                              |             |
|____________________________________________________________|_____________|
| - Venituri din subventii de exploatare                     |             |
|____________________________________________________________|_____________|
| - Venituri din productia de imobilizari                    |             |
|____________________________________________________________|_____________|
| - Venituri privind bunurile mobile si imobile din          |             |
|   executarea creantelor                                    |             |
|____________________________________________________________|_____________|
| - Alte venituri                                            |             |
|____________________________________________________________|_____________|
| VENITURI DIN PROVIZIOANE SI RECUPERARI DE CREANTE          |             |
| AMORTIZATE                                                 |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru creante din operatiuni     |             |
| cu institutii de credit                                    |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de credit     |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de dobanda    |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru creante din operatiuni     |             |
| cu clientela                                               |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de credit     |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de dobanda    |             |
|____________________________________________________________|_____________|
| Venituri din provizioane privind operatiuni cu titluri     |             |
| si operatiuni diverse                                      |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea titlurilor   |             |
|____________________________________________________________|_____________|
|   - Venituri din provizioane pentru deprecierea            |             |
|     titlurilor de plasament                                |             |
|____________________________________________________________|_____________|
|   - Venituri din provizioane pentru deprecierea            |             |
|     titlurilor de investitii                               |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea stocurilor   |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru creante restante si      |             |
|   indoielnice                                              |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru valori imobilizate         |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea partilor     |             |
|   detinute in cadrul societatilor comerciale legate,       |             |
|   a titlurilor de participare si a titlurilor              |             |
|   activitatii de portofoliu                                |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea              |             |
|   imobilizarilor                                           |             |
|____________________________________________________________|_____________|
|   - Venituri din provizioane pentru deprecierea            |             |
|     imobilizarilor in curs                                 |             |
|____________________________________________________________|_____________|
|   - Venituri din provizioane pentru deprecierea            |             |
|     imobilizarilor activitatii de exploatare               |             |
|____________________________________________________________|_____________|
|   - Venituri din provizioane pentru deprecierea            |             |
|     imobilizarilor in afara activitatii de exploatare      |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru creante restante si      |             |
|   indoielnice                                              |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru riscuri si cheltuieli      |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru riscuri de executare a   |             |
|   angajamentelor prin semnatura                            |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru facilitati acordate      |             |
|   personalului                                             |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru risc de tara             |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru alte riscuri si          |             |
|   cheltuieli                                               |             |
|____________________________________________________________|_____________|
| Venituri din provizioane reglementate                      |             |
|____________________________________________________________|_____________|
| Venituri din recuperari de creante amortizate              |             |
|____________________________________________________________|_____________|
| VENITURI DIN RELUAREA REZERVEI GENERALE PENTRU RISCUL      |             |
| DE CREDIT                                                  |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI CURENTE                                     |             |
|____________________________________________________________|_____________|
| VENITURI EXCEPTIONALE                                      |             |
|____________________________________________________________|_____________|
| Venituri exceptionale din operatiunile de gestiune         |             |
|____________________________________________________________|_____________|
| - Venituri din despagubiri si penalitati                   |             |
|____________________________________________________________|_____________|
| - Alte venituri exceptionale din operatiuni de gestiune    |             |
|____________________________________________________________|_____________|
| Venituri exceptionale din provizioane                      |             |
|____________________________________________________________|_____________|
| - Venituri exceptionale din provizioane pentru riscuri     |             |
|   si cheltuieli                                            |             |
|____________________________________________________________|_____________|
| - Venituri exceptionale din provizioane pentru deprecieri  |             |
|____________________________________________________________|_____________|
| - Venituri exceptionale din provizioane reglementate       |             |
|____________________________________________________________|_____________|
| Alte venituri exceptionale                                 |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI EXCEPTIONALE                                |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI                                             |             |
|____________________________________________________________|_____________|

                   CONTUL DE PROFIT SI PIERDERI ESTIMATIV
                      - retea cooperatista de credit -

    DENUMIREA CASEI CENTRALE: ..............................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 2 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| CHELTUIELI DE EXPLOATARE BANCARA                           |             |
|____________________________________________________________|_____________|
| Cheltuieli cu operatiunile de trezorerie si operatiunile   |             |
| cu institutiile de credit                                  |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Banci centrale                                          |             |
|____________________________________________________________|_____________|
|  - Conturi de corespondent                                 |             |
|____________________________________________________________|_____________|
|  - Depozite ale institutiilor de credit                    |             |
|____________________________________________________________|_____________|
|    - la vedere                                             |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|    - colaterale                                            |             |
|____________________________________________________________|_____________|
| - Imprumuturi de la institutii de credit                   |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|    - financiare                                            |             |
|____________________________________________________________|_____________|
| - Valori date in pensiune                                  |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
| - Alte dobanzi                                             |             |
|____________________________________________________________|_____________|
|    - Titluri cu posibilitate de rascumparare               |             |
|____________________________________________________________|_____________|
|    - Report / deport                                       |             |
|____________________________________________________________|_____________|
|    - Diverse dobanzi                                       |             |
|____________________________________________________________|_____________|
| Comisioane                                                 |             |
|____________________________________________________________|_____________|
| Cheltuieli cu operatiunile cu clientela                    |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Conturi de factoring                                    |             |
|____________________________________________________________|_____________|
|  - Imprumuturi primite de la clientela financiara          |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
| - Valori date in pensiune                                  |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
| - Conturi curente creditoare                               |             |
|____________________________________________________________|_____________|
| - Conturi de depozite                                      |             |
|____________________________________________________________|_____________|
|    - la vedere                                             |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|    - colaterale                                            |             |
|____________________________________________________________|_____________|
| - Certificate de depozit, carnete si librete de economii   |             |
|____________________________________________________________|_____________|
| - Alte dobanzi                                             |             |
|____________________________________________________________|_____________|
|   - Titluri cu posibilitate de rascumparare                |             |
|____________________________________________________________|_____________|
|   - Report / deport                                        |             |
|____________________________________________________________|_____________|
|   - Diverse dobanzi                                        |             |
|____________________________________________________________|_____________|
| Comisioane                                                 |             |
|____________________________________________________________|_____________|
| Cheltuieli pentru operatiunile cu titluri                  |             |
|____________________________________________________________|_____________|
| - Dobanzi la titlurile date in pensiune livrata            |             |
|____________________________________________________________|_____________|
| - Pierderi la titlurile de tranzactie                      |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu titlurile de plasament                     |             |
|____________________________________________________________|_____________|
|    - Cheltuieli de achizitie                               |             |
|____________________________________________________________|_____________|
|    - Pierderi din cesiune                                  |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu titlurile de investitii                    |             |
|____________________________________________________________|_____________|
|    - Cheltuieli de achizitie                               |             |
|____________________________________________________________|_____________|
|    - Cheltuieli cu amortizarea primelor                    |             |
|____________________________________________________________|_____________|
| - Cheltuieli privind datoriile constituite prin titluri    |             |
|____________________________________________________________|_____________|
|    - Dobanzi privind titlurile pe piata interbancara       |             |
|____________________________________________________________|_____________|
|    - Dobanzi privind titlurile de creante negociabile      |             |
|____________________________________________________________|_____________|
|    - Dobanzi privind obligatiunile                         |             |
|____________________________________________________________|_____________|
|    - Alte cheltuieli privind datoriile constituite prin    |             |
|      titluri                                               |             |
|____________________________________________________________|_____________|
| - Cheltuieli diverse privind operatiunile cu titluri       |             |
|____________________________________________________________|_____________|
| - Comisioane                                               |             |
|____________________________________________________________|_____________|
| Cheltuieli privind datoriile subordonate si fondurile      |             |
| publice alocate                                            |             |
|____________________________________________________________|_____________|
| - Datorii subordonate la termen                            |             |
|____________________________________________________________|_____________|
| - Datorii subordonate pe durata nedeterminata              |             |
|____________________________________________________________|_____________|
| - Fonduri publice alocate                                  |             |
|____________________________________________________________|_____________|
| Cheltuieli privind operatiunile de schimb                  |             |
|____________________________________________________________|_____________|
| - Pierderi din operatiunile de schimb si arbitraj          |             |
|____________________________________________________________|_____________|
| - Comisioane                                               |             |
|____________________________________________________________|_____________|
| Cheltuieli privind operatiunile in afara bilantului        |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu angajamentele de finantare                 |             |
|____________________________________________________________|_____________|
|    - Angajamente de finantare primite de la institutii     |             |
|      de credit                                             |             |
|____________________________________________________________|_____________|
|    - Angajamente de finantare primite de la clientela      |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu angajamentele de garantie                  |             |
|____________________________________________________________|_____________|
|    - Angajamente de garantie primite de la institutii      |             |
|      de credit                                             |             |
|____________________________________________________________|_____________|
|    - Angajamente de garantie primite de la clientela       |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu alte angajamente primite                   |             |
|____________________________________________________________|_____________|
| Cheltuieli cu prestatiile de servicii financiare           |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu mijloacele de plata                        |             |
|____________________________________________________________|_____________|
| - Alte cheltuieli cu prestatiile de servicii financiare    |             |
|____________________________________________________________|_____________|
| Alte cheltuieli de exploatare bancara                      |             |
|____________________________________________________________|_____________|
| - Cota-parte privind operatiunile de exploatare bancara    |             |
|   efectuate in comun                                       |             |
|____________________________________________________________|_____________|
| - Venituri retrocedate privind operatiunile de             |             |
|   exploatare bancara efectuate in comun                    |             |
|____________________________________________________________|_____________|
| - Cheltuieli diverse de exploatare bancara                 |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU PERSONALUL                                   |             |
|____________________________________________________________|_____________|
| Cheltuieli cu remuneratiile personalului                   |             |
|____________________________________________________________|_____________|
| Cheltuieli privind asigurarile si protectia sociala        |             |
|____________________________________________________________|_____________|
| - Cheltuieli privind contributia unitatii la               |             |
|   asigurarile sociale                                      |             |
|____________________________________________________________|_____________|
| - Cheltuieli privind contributia unitatii pentru           |             |
|   ajutorul de somaj                                        |             |
|____________________________________________________________|_____________|
| - Alte cheltuieli privind asigurarile si protectia         |             |
|   sociala                                                  |             |
|____________________________________________________________|_____________|
| - Alte cheltuieli privind personalul                       |             |
|____________________________________________________________|_____________|
| IMPOZITE SI TAXE                                           |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu impozitul pe salarii                       |             |
|____________________________________________________________|_____________|
| - Cheltuieli cu alte impozite, taxe si varsaminte          |             |
|   asimilate                                                |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU MATERIALELE, LUCRARILE SI SERVICIILE         |             |
| EXECUTATE DE TERTI                                         |             |
|____________________________________________________________|_____________|
| Cheltuieli cu materialele                                  |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu materialele consumabile                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind combustibilii                        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind piesele de schimb                    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind alte materiale                       |             |
|____________________________________________________________|_____________|
| Cheltuieli privind obiectele de inventar                   |             |
|____________________________________________________________|_____________|
| Cheltuieli privind alte stocuri                            |             |
|____________________________________________________________|_____________|
| Cheltuieli cu lucrarile si serviciile executate de terti   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli de intretinere si reparatii                  |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind energia si apa                       |             |
|____________________________________________________________|_____________|
|  - Cheltuieli postale si taxe de telecomunicatii           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu colaboratorii si de intermediere          |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu deplasari, detasari, transferari si       |             |
|    transportul personalului                                |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu serviciile furnizate de societatile       |             |
|    grupului                                                |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli cu lucrarile si serviciile executate    |             |
|    de terti                                                |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu primele de asigurare                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu redeventele privind operatiunile de       |             |
|    leasing si asimilate                                    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu redeventele privind concesiunile,         |             |
|    locatiile de gestiune                                   |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli                                         |             |
|____________________________________________________________|_____________|
| Cheltuieli de protocol, reclama si publicitate             |             |
|____________________________________________________________|_____________|
| CHELTUIELI DIVERSE DE EXPLOATARE                           |             |
|____________________________________________________________|_____________|
| Venituri retrocedate privind operatiunile de exploatare    |             |
| nebancara efectuate in comun                               |             |
|____________________________________________________________|_____________|
| Cota-parte privind operatiuni de exploatare nebancara      |             |
| efectuate in comun                                         |             |
|____________________________________________________________|_____________|
| Cota-parte din cheltuielile sediului social                |             |
|____________________________________________________________|_____________|
| Pierderi din cesiunea imobilizarilor                       |             |
|____________________________________________________________|_____________|
|  - Pierderi din cesiunea imobilizarilor necorporale        |             |
|    si corporale                                            |             |
|____________________________________________________________|_____________|
|  - Pierderi din cesiunea imobilizarilor financiare         |             |
|____________________________________________________________|_____________|
| Alte cheltuieli diverse de exploatare                      |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU AMORTIZARILE PRIVIND IMOBILIZARILE           |             |
| NECORPORALE SI CORPORALE                                   |             |
|____________________________________________________________|_____________|
| Cheltuieli cu amortizarile imobilizarilor necorporale      |             |
|____________________________________________________________|_____________|
| Cheltuieli cu amortizarile imobilizarilor corporale        |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU PROVIZIOANE SI PIERDERI DIN CREANTE          |             |
| NERECUPERABILE                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru creante din               |             |
| operatiuni cu institutii de credit                         |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de credit   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de dobanda  |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru creante din               |             |
| operatiuni cu clientela                                    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de credit   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de dobanda  |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane privind operatiuni cu titluri    |             |
| si operatiuni diverse                                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea titlurilor |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       titlurilor  de plasament                             |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       titlurilor de investitii                             |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea stocurilor |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru creante                |             |
|    restante si indoielnice                                 |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru valori imobilizate        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea partilor   |             |
|    detinute in cadrul societatilor comerciale legate, a    |             |
|    titlurilor de participare si a titlurilor activitatii   |             |
|    de portofoliu                                           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea            |             |
|    imobilizarilor                                          |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       imobilizarilor in curs                               |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       imobilizarilor activitatii de exploatare             |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       imobilizarilor in afara activitatii de exploatare    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru creante restante si    |             |
|    indoielnice                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru riscuri si cheltuieli     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru riscuri de executare   |             |
|    a angajamentelor prin semnatura                         |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru facilitati acordate    |             |
|    personalului                                            |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru risc de tara           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru alte riscuri si        |             |
|    cheltuieli                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane reglementate                     |             |
|____________________________________________________________|_____________|
| Pierderi din creante nerecuperabile acoperite cu           |             |
| provizioane                                                |             |
|____________________________________________________________|_____________|
| Pierderi din creante nerecuperabile neacoperite cu         |             |
| provizioane                                                |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI CURENTE                                   |             |
|____________________________________________________________|_____________|
| CHELTUIELI EXCEPTIONALE                                    |             |
|____________________________________________________________|_____________|
| Cheltuieli exceptionale privind operatiunile de gestiune   |             |
|____________________________________________________________|_____________|
|  - Despagubiri, amenzi si penalitati                       |             |
|____________________________________________________________|_____________|
|  - Donatii si subventii acordate                           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind sponsorizarile                       |             |
|____________________________________________________________|_____________|
|  - Pierderi din debitori diversi                           |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli exceptionale privind operatiunile de    |             |
|    gestiune                                                |             |
|____________________________________________________________|_____________|
| Cheltuieli exceptionale privind amortizarile si            |             |
| provizioanele                                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind amortizarea             |             |
|    imobilizarilor                                          |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane pentru      |             |
|    riscuri si cheltuieli                                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane pentru      |             |
|    deprecieri                                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane reglementate|             |
|____________________________________________________________|_____________|
| Alte cheltuieli exceptionale                               |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI EXCEPTIONALE                              |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI*)                                         |             |
|____________________________________________________________|_____________|
    *) mai putin cheltuielile cu impozitul pe profit

              CONTUL DE PROFIT SI PIERDERI ESTIMATIV
                  - retea cooperatista de credit -

    DENUMIREA CASEI CENTRALE: ...............................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 3 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| REZULTATUL CURENT                                          |      _      |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| REZULTATUL EXCEPTIONAL                                     |      _      |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| REZULTATUL BRUT AL EXERCITIULUI                            |      _      |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| Impozitul pe profit                                        |             |
|____________________________________________________________|_____________|
| REZULTATUL NET AL EXERCITIULUI                             |      _      |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|

              REPARTIZAREA PREVIZIONATA A REZULTATULUI
                 - retea cooperatista de credit -

    JUDETUL ____________________|_|_|
    DENUMIREA CASEI CENTRALE: _____________________________________________
    ADRESA LOC: _____________, sector __, STR.: ___________________ nr: ___
    TELEFONUL: _______________ FAXUL: ___________________
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| REPARTIZARI DIN PROFIT                                     |      _      |
|____________________________________________________________|_____________|
| Rezerve legale                                             |             |
|____________________________________________________________|_____________|
| Rezerva generala pentru riscul de credit                   |             |
|____________________________________________________________|_____________|
| Rezerva de intrajutorare                                   |             |
|____________________________________________________________|_____________|
| Rezerva mutuala de garantare                               |             |
|____________________________________________________________|_____________|
| Acoperirea pierderilor contabile din anii precedenti       |             |
|____________________________________________________________|_____________|
| Participarea personalului la profit                        |             |
|____________________________________________________________|_____________|
| Cota managerului din profitul net                          |             |
|____________________________________________________________|_____________|
| Surse proprii de finantare, din care:                      |             |
|____________________________________________________________|_____________|
|  - constituite din sumele aferente reducerii impozitului   |             |
|    pe profit                                               |             |
|____________________________________________________________|_____________|
| Rezerve statutare si alte rezerve                          |             |
|____________________________________________________________|_____________|
| Alte repartizari din profit prevazute de lege              |             |
|____________________________________________________________|_____________|
| Dividende de platit                                        |             |
|____________________________________________________________|_____________|
| PROFIT NEREPARTIZAT                                        |             |
|____________________________________________________________|_____________|

    ANEXA 4

                              BILANT ESTIMATIV
                         - cooperativa de credit -

    JUDETUL ________________________|_|_|
    DENUMIREA COOPERATIVEI DE CREDIT: _____________________________________
    ADRESA LOC: _____________, sector __, STR.: ___________________ nr: ___
    TELEFONUL: _______________ FAXUL: ___________________
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                    ACTIV                     | Amortizari si | Sume nete |
|                                              |  provizioane  |           |
|______________________________________________|_______________|___________|
|                      A                       |      1        |     2     |
|______________________________________________|_______________|___________|
| Operatiuni de trezorerie si operatiuni cu    |               |           |
| institutii de credit                         |               |           |
|______________________________________________|_______________|___________|
|  - Casa si alte valori                       |               |           |
|______________________________________________|_______________|___________|
|     - Casa                                   |               |           |
|______________________________________________|_______________|___________|
|     - Alte valori                            |               |           |
|______________________________________________|_______________|___________|
|  - Cont curent la casa centrala              |               |           |
|______________________________________________|_______________|___________|
|  - Conturi de corespondent la institutii de  |               |           |
|    credit (nostro)                           |               |           |
|______________________________________________|_______________|___________|
| - Depozite la casa centrala                  |               |           |
|______________________________________________|_______________|___________|
|  - Depozite la alte institutii de credit     |               |           |
|______________________________________________|_______________|___________|
|  - Creante restante                          |               |           |
|______________________________________________|_______________|___________|
|  - Creante indoielnice                       |               |           |
|______________________________________________|_______________|___________|
|  - Creante atasate                           |               |           |
|______________________________________________|_______________|___________|
| Operatiuni cu clientela                      |               |           |
|______________________________________________|_______________|___________|
|  - Credite de trezorerie                     |               |           |
|______________________________________________|_______________|___________|
|  - Credite pentru export                     |               |           |
|______________________________________________|_______________|___________|
|  - Credite pentru echipament                 |               |           |
|______________________________________________|_______________|___________|
|  - Credite pentru bunuri imobiliare          |               |           |
|______________________________________________|_______________|___________|
|  - Alte credite acordate clientelei          |               |           |
|______________________________________________|_______________|___________|
|  - Valori primite in pensiune                |               |           |
|______________________________________________|_______________|___________|
|  - Conturi curente debitoare                 |               |           |
|______________________________________________|_______________|___________|
|  - Valori de recuperat                       |               |           |
|______________________________________________|_______________|___________|
|  - Creante restante                          |               |           |
|______________________________________________|_______________|___________|
|  - Creante indoielnice                       |               |           |
|______________________________________________|_______________|___________|
|  - Creante atasate                           |               |           |
|______________________________________________|_______________|___________|
| Operatiuni cu titluri si operatiuni diverse  |               |           |
|______________________________________________|_______________|___________|
|  - Titluri primite in pensiune livrata       |               |           |
|______________________________________________|_______________|___________|
|  - Titluri de tranzactie                     |               |           |
|______________________________________________|_______________|___________|
|  - Titluri de plasament                      |               |           |
|______________________________________________|_______________|___________|
|  - Titluri de investitii                     |               |           |
|______________________________________________|_______________|___________|
|  - Conturi de decontare privind              |               |           |
|    operatiunile cu titluri                   |               |           |
|______________________________________________|_______________|___________|
|  - Decontari intracooperatiste               |               |           |
|______________________________________________|_______________|___________|
|  - Personal si conturi asimilate             |               |           |
|______________________________________________|_______________|___________|
|  - Asigurari sociale, protectia sociala si   |               |           |
|    conturi asimilate                         |               |           |
|______________________________________________|_______________|___________|
|  - Bugetul statului, fonduri speciale si     |               |           |
|    conturi asimilate                         |               |           |
|______________________________________________|_______________|___________|
|  - Debitori diversi                          |               |           |
|______________________________________________|_______________|___________|
|  - Conturi de stocuri                        |               |           |
|______________________________________________|_______________|___________|
|  - Conturi de regularizare                   |               |           | |______________________________________________|_______________|___________|
|  - Creante restante                          |               |           |
|______________________________________________|_______________|___________|
|  - Creante indoielnice                       |               |           |
|______________________________________________|_______________|___________|
|  - Creante atasate                           |               |           |
|______________________________________________|_______________|___________|
| Valori imobilizate                           |               |           |
|______________________________________________|_______________|___________|
|  - Credite subordonate                       |               |           |
|______________________________________________|_______________|___________|
|  - Titluri de participare si titluri ale     |               |           |
|    activitatii de portofoliu                 |               |           |
|______________________________________________|_______________|___________|
|  - Imobilizari in curs, imobilizari ale      |               |           |
|    activitatii de exploatare, imobilizari    |               |           |
|    in afara activitatii de exploatare        |               |           |
|______________________________________________|_______________|___________|
|  - Creante restante                          |               |           | |______________________________________________|_______________|___________|
|  - Creante indoielnice                       |               |           |
|______________________________________________|_______________|___________|
|  - Creante atasate                           |               |           | |______________________________________________|_______________|___________|
| Actionari sau asociati                       |               |           |
|______________________________________________|_______________|___________|
| TOTAL                                        |               |           |
|______________________________________________|_______________|___________|

                               BILANT ESTIMATIV
                           - cooperativa de credit -

    DENUMIREA COOPERATIVEI DE CREDIT: ......................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 2 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                           PASIV                            |     Sume    |
|____________________________________________________________|_____________|
|                             A                              |       1     |
|____________________________________________________________|_____________|
| Operatiuni de trezorerie si operatiuni cu institutiile de  |             |
| credit                                                     |             |
|____________________________________________________________|_____________|
|  - Imprumuturi primite de la casa centrala                 |             |
|____________________________________________________________|_____________|
|  - Conturi de corespondent ale institutiilor de credit     |             |
|    (loro)                                                  |             |
|____________________________________________________________|_____________|
|  - Imprumuturi primite de la alte institutii de credit     |             |
|____________________________________________________________|_____________|
|  - Valori date in pensiune                                 |             |
|____________________________________________________________|_____________|
|  - Alte sume datorate                                      |             |
|____________________________________________________________|_____________|
|  - Datorii atasate                                         |             |
|____________________________________________________________|_____________|
| Operatiuni cu clientela                                    |             |
|____________________________________________________________|_____________|
|  - Valori date in pensiune                                 |             |
|____________________________________________________________|_____________|
|  - Conturi curente creditoare                              |             |
|____________________________________________________________|_____________|
|  - Conturi de depozite                                     |             |
|____________________________________________________________|_____________|
|  - Certificate de depozit                                  |             |
|____________________________________________________________|_____________|
|  - Carnete si librete de economii                          |             |
|____________________________________________________________|_____________|
|  - Alte sume datorate                                      |             |
|____________________________________________________________|_____________|
|  - Datorii atasate                                         |             |
|____________________________________________________________|_____________|
| Operatiuni cu titluri si operatiuni diverse                |             |
|____________________________________________________________|_____________|
|  - Titluri date in pensiune livrata                        |             |
|____________________________________________________________|_____________|
|  - Titluri de tranzactie                                   |             |
|____________________________________________________________|_____________|
|  - Conturi de decontare privind operatiunile cu titluri    |             |
|____________________________________________________________|_____________|
|  - Varsaminte de efectuat privind titlurile                |             |
|____________________________________________________________|_____________|
|  - Decontari intracooperatiste                             |             |
|____________________________________________________________|_____________|
|  - Personal si conturi asimilate                           |             |
|____________________________________________________________|_____________|
|  - Asigurari sociale, protectia sociala si conturi         |             |
|    asimilate                                               |             |
|____________________________________________________________|_____________|
|  - Bugetul statului, fonduri speciale si conturi           |             |
|    asimilate                                               |             |
|____________________________________________________________|_____________|
|  - Dividende de plata                                      |             |
|____________________________________________________________|_____________|
|  - Creditori diversi                                       |             |
|____________________________________________________________|_____________|
|  - Conturi de regularizare                                 |             |
|____________________________________________________________|_____________|
|  - Datorii atasate                                         |             |
|____________________________________________________________|_____________|
| Capitaluri proprii, asimilate si provizioane               |             |
|____________________________________________________________|_____________|
| - Capital                                                  |             |
|____________________________________________________________|_____________|
| - Prime legate de capital                                  |             |
|____________________________________________________________|_____________|
| - Rezerve legale                                           |             |
|____________________________________________________________|_____________|
| - Rezerva de intrajutorare                                 |             |
|____________________________________________________________|_____________|
| - Rezerve statutare                                        |             |
|____________________________________________________________|_____________|
| - Rezerva generala pentru riscul de credit                 |             |
|____________________________________________________________|_____________|
| - Diferente din reevaluare                                 |             |
|____________________________________________________________|_____________|
| - Alte rezerve                                             |             |
|____________________________________________________________|_____________|
| - Fonduri                                                  |             |
|____________________________________________________________|_____________|
| - Datorii subordonate                                      |             |
|____________________________________________________________|_____________|
| - Subventii si fonduri publice alocate                     |             |
|____________________________________________________________|_____________|
| - Provizioane pentru riscuri si cheltuieli                 |             |
|____________________________________________________________|_____________|
| - Provizioane reglementate                                 |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| - Rezultatul reportat (+/-)*)                              |             |
|____________________________________________________________|_____________|
| - Profit sau pierdere (+/-)*)                              |             |
|____________________________________________________________|_____________|
| - Repartizarea profitului                                  |             |
|____________________________________________________________|_____________|
| TOTAL                                                      |             |
|____________________________________________________________|_____________|
    *) Sumele negative trebuie sa fie precedate de semnul -

                               BILANT ESTIMATIV
                           - cooperativa de credit -

    DENUMIREA COOPERATIVEI DE CREDIT: ......................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 3 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|              CONTURI IN AFARA BILANTULUI                   |     Sume    |
|____________________________________________________________|_____________|
|                           A                                |      1      |
|____________________________________________________________|_____________|
| Angajamente de finantare                                   |      _      |
|____________________________________________________________|_____________|
| - Angajamente primite de la casa centrala                  |             |
|____________________________________________________________|_____________|
| - Angajamente primite de la alte institutii de credit      |             |
|____________________________________________________________|_____________|
| - Angajamente in favoarea clientelei                       |             |
|____________________________________________________________|_____________|
| - Angajamente primite de la clientela financiara si        |             |
|   institutiile administratiei publice                      |             |
|____________________________________________________________|_____________|
| Angajamente de garantie                                    |      _      |
|____________________________________________________________|_____________|
| - Cautiuni, avaluri si alte garantii primite de la casa    |             |
|   centrala                                                 |             |
|____________________________________________________________|_____________|
| - Cautiuni, avaluri si alte garantii primite de la alte    |             |
|   institutii de credit                                     |             |
|____________________________________________________________|_____________|
| - Garantii primite de la clientela                         |             |
|____________________________________________________________|_____________|
| Angajamente diverse                                        |      _      |
|____________________________________________________________|_____________|
| - Redevente, locatii de gestiune, chirii si alte datorii   |             |
|   asimilate                                                |             |
|____________________________________________________________|_____________|
| - Titluri primite in garantie                              |             |
|____________________________________________________________|_____________|
| - Titluri date in garantie                                 |             |
|____________________________________________________________|_____________|
| - Alte angajamente diverse date                            |             |
|____________________________________________________________|_____________|
| - Alte angajamente diverse primite                         |             |
|____________________________________________________________|_____________|
| Conturi de evidenta                                        |      _      |
|____________________________________________________________|_____________|
| - Mijloace fixe luate cu chirie                            |             |
|____________________________________________________________|_____________|
| - Valori primite in pastrare sau custodie                  |             |
|____________________________________________________________|_____________|
| - Creante scoase din activ, urmarite in continuare,        |             |
|   din care:                                                |             |
|____________________________________________________________|_____________|
|   - Creante scoase din activ, urmarite in continuare       |             |
|     potrivit dispozitiilor legale                          |             |
|____________________________________________________________|_____________|
|     - Credite aferente contractelor de credit investite    |             |
|       cu formula executorie, urmarite in continuare        |             |
|____________________________________________________________|_____________|
|     - Valori primite in pensiune aferente contractelor de  |             |
|       credit investite cu formula executorie, urmarite     |             |
|       in continuare                                        |             |
|____________________________________________________________|_____________|
|     - Titluri primite in pensiune livrata aferente         |             |
|       contractelor de credit investite cu formula          |             |
|       executorie, urmarite in continuare                   |             |
|____________________________________________________________|_____________|
|     - Dobanzi aferente contractelor de credit investite    |             |
|       cu formula executorie, urmarite in continuare        |             |
|____________________________________________________________|_____________|
|     - Alte creante scoase din activ, urmarite in continuare|             |
|____________________________________________________________|_____________|
|   - Creante atasate                                        |             |
|____________________________________________________________|_____________|
| - Debitori din penalitati pretinse                         |             |
|____________________________________________________________|_____________|
| - Amortizarea aferenta gradului de neutilizare a           |             |
|   mijloacelor fixe                                         |             |
|____________________________________________________________|_____________|
| - Alte valori primite                                      |             |
|____________________________________________________________|_____________|
| - Alte valori date                                         |             |
|____________________________________________________________|_____________|
    *) Sumele negative trebuie sa fie precedate de semnul -

                 CONTUL DE PROFIT SI PIERDERI ESTIMATIV
                      - cooperativa de credit -

    JUDETUL ____________________|_|_|
    DENUMIREA COOPERATIVEI DE CREDIT:______________________________________
    ADRESA LOC: _____________, sector __, STR.: ___________________ nr: ___
    TELEFONUL: _______________ FAXUL: ___________________
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| VENITURI DIN ACTIVITATEA DE EXPLOATARE BANCARA             |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile de trezorerie si operatiunile cu |             |
| institutiile de credit                                     |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Casa centrala                                           |             |
|____________________________________________________________|_____________|
|  - Conturi de corespondent                                 |             |
|____________________________________________________________|_____________|
|  - Depozite la casa centrala                               |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Depozite la casa centrala                               |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Depozite la alte institutii de credit                   |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|  - Creante restante si indoielnice                         |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Venituri din operatiuni cu clientela                       |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Credite acordate clientelei                             |             |
|____________________________________________________________|_____________|
|    - Credite de trezorerie                                 |             |
|____________________________________________________________|_____________|
|    - Credite pentru export                                 |             |
|____________________________________________________________|_____________|
|    - Credite pentru echipament                             |             |
|____________________________________________________________|_____________|
|    - Credite pentru bunuri imobiliare                      |             |
|____________________________________________________________|_____________|
|    - Alte credite acordate clientelei                      |             |
|____________________________________________________________|_____________|
|  - Valori primite in pensiune                              |             |
|____________________________________________________________|_____________|
|    - de pe o zi pe alta                                    |             |
|____________________________________________________________|_____________|
|    - la termen                                             |             |
|____________________________________________________________|_____________|
|  - Conturi curente debitoare                               |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|  - Creante restante si indoielnice                         |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile cu titluri                       |             |
|____________________________________________________________|_____________|
|  - Dobanzi de la titlurile primite in pensiune livrata     |             |
|____________________________________________________________|_____________|
|  - Venituri din titlurile de tranzactie                    |             |
|____________________________________________________________|_____________|
|  - Venituri din titlurile de plasament                     |             |
|____________________________________________________________|_____________|
|     - Dobanzi                                              |             |
|____________________________________________________________|_____________|
|     - Venituri din cesiune                                 |             |
|____________________________________________________________|_____________|

    DENUMIREA COOPERATIVEI DE CREDIT: ......................................
                                                _______
                                               |   |   |
    Data:    [_,_|_,_|_,_]                     | 0 | 1 |
                                               |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|                                                            |    Sume     |
|____________________________________________________________|_____________|
|                             A                              |     1       |
|____________________________________________________________|_____________|
| - Venituri din titlurile de investitii                     |             |
|____________________________________________________________|_____________|
|    - Dobanzi                                               |             |
|____________________________________________________________|_____________|
|    - Venituri din prime                                    |             |
|____________________________________________________________|_____________|
| - Venituri diverse din operatiunile cu titluri             |             |
|____________________________________________________________|_____________|
| - Dobanzi din creante restante si indoielnice              |             |
|____________________________________________________________|_____________|
| - Comisioane                                               |             |
|____________________________________________________________|_____________|
| Venituri din credite subordonate, titluri de participare   |             |
| si titluri ale activitatii de portofoliu                   |             |
|____________________________________________________________|_____________|
| - Dobanzi de la creditele subordonate la termen            |             |
|____________________________________________________________|_____________|
| - Dobanzi de la creditele subordonate pe durata            |             |
|   nedeterminata                                            |             |
|____________________________________________________________|_____________|
| - Dividende si venituri asimilate                          |             |
|____________________________________________________________|_____________|
| - Dobanzi din creante restante si indoielnice              |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile de schimb                        |             |
|____________________________________________________________|_____________|
| - Venituri din operatiunile de schimb                      |             |
|____________________________________________________________|_____________|
| - Comisioane                                               |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile in afara bilantului              |             |
|____________________________________________________________|_____________|
| - Venituri din angajamente de finantare in favoarea        |             |
|   clientelei                                               |             |
|____________________________________________________________|_____________|
| Venituri din prestatiile de servicii financiare            |             |
|____________________________________________________________|_____________|
| - Comisioane privind titlurile gestionate sau in depozit   |             |
|____________________________________________________________|_____________|
| - Comisioane din activitatile de asistenta si de           |             |
|   consultanta                                              |             |
|____________________________________________________________|_____________|
|    - Comisioane din activitatile de asistenta si           |             |
|      consultanta pentru persoane fizice                    |             |
|____________________________________________________________|_____________|
|    - Comisioane din activitatile de asistenta si           |             |
|      consultanta pentru persoane juridice                  |             |
|____________________________________________________________|_____________|
|    - Alte comisioane                                       |             |
|____________________________________________________________|_____________|
| - Venituri privind mijloacele de plata                     |             |
|____________________________________________________________|_____________|
| - Alte venituri din prestatiile de servicii financiare     |             |
|____________________________________________________________|_____________|
| Alte venituri din activitatea de exploatare bancara        |             |
|____________________________________________________________|_____________|
| - Cota-parte privind operatiunile de exploatare bancara    |             |
|   efectuate in comun                                       |             |
|____________________________________________________________|_____________|
| - Cheltuieli refacturate privind operatiunile de           |             |
|   exploatare bancara efectuate in comun                    |             |
|____________________________________________________________|_____________|
| - Transferuri de cheltuieli de exploatare bancara          |             |
|____________________________________________________________|_____________|
| - Venituri diverse de exploatare bancara                   |             |
|____________________________________________________________|_____________|
| VENITURI DIVERSE DIN EXPLOATARE                            |             |
|____________________________________________________________|_____________|
| Cheltuieli refacturate                                     |             |
|____________________________________________________________|_____________|
| Cota-parte privind operatiunile de exploatare nebancare    |             |
| efectuate in comun                                         |             |
|____________________________________________________________|_____________|
| Cota-parte din cheltuielile sediului social                |             |
|____________________________________________________________|_____________|
| Venituri din cesiunea imobilizarilor                       |             |
|____________________________________________________________|_____________|
| - Venituri din cesiunea imobilizarilor necorporale si      |             |
|   corporale                                                |             |
|____________________________________________________________|_____________|
| - Venituri din cesiunea imobilizarilor financiare          |             |
|____________________________________________________________|_____________|
| Venituri accesorii                                         |             |
|____________________________________________________________|_____________|
| - Venituri privind imobilele legate de exploatare          |             |
|____________________________________________________________|_____________|
| - Venituri din activitati nebancare                        |             |
|____________________________________________________________|_____________|
| - Alte venituri accesorii                                  |             |
|____________________________________________________________|_____________|
| Alte venituri diverse din exploatare                       |             |
|____________________________________________________________|_____________|
| - Transferuri de cheltuieli de exploatare nebancara        |             |
|____________________________________________________________|_____________|
| - Cota-parte din subventiile de investitii trecuta la      |             |
|   venituri                                                 |             |
|____________________________________________________________|_____________|
| - Venituri din subventii de exploatare                     |             |
|____________________________________________________________|_____________|
| - Venituri din productia de imobilizari                    |             |
|____________________________________________________________|_____________|
| - Venituri privind bunurile mobile si imobile din          |             |
|   executarea creantelor                                    |             |
|____________________________________________________________|_____________|
| - Alte venituri                                            |             |
|____________________________________________________________|_____________|
| VENITURI DIN PROVIZIOANE SI RECUPERARI DE CREANTE          |             |
| AMORTIZATE                                                 |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru creante din operatiuni cu  |             |
| institutii de credit                                       |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de credit     |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de dobanda    |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru creante din operatiuni     |             |
| cu clientela                                               |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de credit     |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane specifice de risc de dobanda    |             |
|____________________________________________________________|_____________|
| Venituri din provizioane privind operatiuni cu titluri si  |             |
| operatiuni diverse                                         |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea titlurilor   |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      titlurilor de plasament                               |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      titlurilor de investitii                              |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea stocurilor   |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru creante restante si      |             |
|   indoielnice                                              |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru valori imobilizate         |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea titlurilor   |             |
|   de participare si a titlurilor activitatii de portofoliu |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru deprecierea              |             |
|   imobilizarilor                                           |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      imobilizarilor in curs                                |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      imobilizarilor activitatii de exploatare              |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      imobilizarilor in afara activitatii de exploatare     |             |
|____________________________________________________________|_____________|
| - Venituri din provizioane pentru creante restante si      |             |
|   indoielnice                                              |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru riscuri si cheltuieli      |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru facilitati acordate     |             |
|    personalului                                            |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru risc de tara            |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru alte riscuri si         |             |
|    cheltuieli                                              |             |
|____________________________________________________________|_____________|
| Venituri din provizioane reglementate                      |             |
|____________________________________________________________|_____________|
| Venituri din recuperari de creante amortizate              |             |
|____________________________________________________________|_____________|
| VENITURI DIN RELUAREA REZERVEI GENERALE PENTRU RISCUL DE   |             |
| CREDIT                                                     |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI CURENTE                                     |             |
|____________________________________________________________|_____________|
| VENITURI EXCEPTIONALE                                      |             |
|____________________________________________________________|_____________|
| Venituri exceptionale din operatiunile de gestiune         |             |
|____________________________________________________________|_____________|
|  - Venituri din despagubiri si penalitati                  |             |
|____________________________________________________________|_____________|
|  - Alte venituri exceptionale din operatiuni de gestiune   |             |
|____________________________________________________________|_____________|
| Venituri exceptionale din provizioane                      |             |
|____________________________________________________________|_____________|
|  - Venituri exceptionale din provizioane pentru riscuri si |             |
|    cheltuieli                                              |             |
|____________________________________________________________|_____________|
|  - Venituri exceptionale din provizioane pentru deprecieri |             |
|____________________________________________________________|_____________|
|  - Venituri exceptionale din provizioane reglementate      |             |
|____________________________________________________________|_____________|
| Alte venituri exceptionale                                 |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI EXCEPTIONALE                                |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI                                             |             |
|____________________________________________________________|_____________|

                CONTUL DE PROFIT SI PIERDERI ESTIMATIV
                     - cooperativa de credit -

    DENUMIREA COOPERATIVEI DE CREDIT: ......................................
                                               _______
                                              |   |   |
    Data:    [_,_|_,_|_,_]                    | 0 | 2 |
                                              |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                             A                              |      1      |
|____________________________________________________________|_____________|
| CHELTUIELI DE EXPLOATARE BANCARA                           |             |
|____________________________________________________________|_____________|
| Cheltuieli cu operatiunile de trezorerie si operatiunile   |             |
| cu institutiile de credit                                  |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
| - Casa centrala                                            |             |
|____________________________________________________________|_____________|
| - Conturi de corespondent                                  |             |
|____________________________________________________________|_____________|
| - Imprumuturi de la institutii de credit                   |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - financiare                                           |             |
|____________________________________________________________|_____________|
| - Valori date in pensiune                                  |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
| - Alte dobanzi                                             |             |
|____________________________________________________________|_____________|
| Comisioane                                                 |             |
|____________________________________________________________|_____________|
| Cheltuieli cu operatiunile cu clientela                    |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Valori date in pensiune                                 |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|  - Conturi curente creditoare                              |             |
|____________________________________________________________|_____________|
|  - Conturi de depozite                                     |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Certificate de depozit, carnete si librete de economii  |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Cheltuieli pentru operatiunile cu titluri                  |             |
|____________________________________________________________|_____________|
|  - Dobanzi la titlurile date in pensiune livrata           |             |
|____________________________________________________________|_____________|
|  - Pierderi la titlurile de tranzactie                     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu titlurile de plasament                    |             |
|____________________________________________________________|_____________|
|     - Cheltuieli de achizitie                              |             |
|____________________________________________________________|_____________|
|     - Pierderi din cesiune                                 |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu titlurile de investitii                   |             |
|____________________________________________________________|_____________|
|     - Cheltuieli de achizitie                              |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu amortizarea primelor                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli diverse privind operatiunile cu titluri      |             |
|____________________________________________________________|_____________|
|  - Comisioane                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli privind datoriile subordonate si fondurile      |             |
| publice alocate                                            |             |
|____________________________________________________________|_____________|
|  - Datorii subordonate la termen                           |             |
|____________________________________________________________|_____________|
|  - Datorii subordonate pe durata nedeterminata             |             |
|____________________________________________________________|_____________|
|  - Fonduri publice alocate                                 |             |
|____________________________________________________________|_____________|
| Cheltuieli privind operatiunile de schimb                  |             |
|____________________________________________________________|_____________|
|  - Pierderi din operatiunile de schimb                     |             |
|____________________________________________________________|_____________|
|  - Comisioane                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli privind operatiunile in afara bilantului        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu angajamentele de finantare                |             |
|____________________________________________________________|_____________|
|     - Angajamente de finantare primite de la casa centrala |             |
|____________________________________________________________|_____________|
|     - Angajamente de finantare primite de la alte          |             |
|       institutii de credit                                 |             |
|____________________________________________________________|_____________|
|     - Angajamente de finantare primite de la clientela     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu angajamentele de garantie                 |             |
|____________________________________________________________|_____________|
|     - Angajamente de garantie primite de la casa centrala  |             |
|____________________________________________________________|_____________|
|     - Angajamente de garantie primite de la alte           |             |
|       institutii de credit                                 |             |
|____________________________________________________________|_____________|
|     - Angajamente de garantie primite de la clientela      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu alte angajamente primite                  |             |
|____________________________________________________________|_____________|
| Cheltuieli cu prestatiile de servicii financiare           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu mijloacele de plata                       |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli cu prestatiile de servicii financiare   |             |
|____________________________________________________________|_____________|
| Alte cheltuieli de exploatare bancara                      |             |
|____________________________________________________________|_____________|
|  - Cota-parte privind operatiunile de exploatare bancara   |             |
|    efectuate in comun                                      |             |
|____________________________________________________________|_____________|
|  - Venituri retrocedate privind operatiunile de exploatare |             |
|    bancara efectuate in comun                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli diverse de exploatare bancara                |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU PERSONALUL                                   |             |
|____________________________________________________________|_____________|
| Cheltuieli cu remuneratiile personalului                   |             |
|____________________________________________________________|_____________|
| Cheltuieli privind asigurarile si protectia sociala        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind contributia unitatii la asigurarile  |             |
|    sociale                                                 |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind contributia unitatii pentru ajutorul |             |
|    de somaj                                                |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli privind asigurarile si protectia        |             |
|    sociala                                                 |             |
|____________________________________________________________|_____________|
| Alte cheltuieli privind personalul                         |             |
|____________________________________________________________|_____________|
| IMPOZITE SI TAXE                                           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu impozitul pe salarii                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu alte impozite, taxe si varsaminte         |             |
|    asimilate                                               |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU MATERIALELE, LUCRARILE SI SERVICIILE         |             |
| EXECUTATE DE TERTI                                         |             |
|____________________________________________________________|_____________|
| Cheltuieli cu materialele                                  |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu materialele consumabile                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind combustibilii                        |             |
|____________________________________________________________|_____________|
| - Cheltuieli privind piesele de schimb                     |             |
|____________________________________________________________|_____________|
| Cheltuieli privind alte materiale                          |             |
|____________________________________________________________|_____________|
| Cheltuieli privind obiectele de inventar                   |             |
|____________________________________________________________|_____________|
| Cheltuieli privind alte stocuri                            |             |
|____________________________________________________________|_____________|
| Cheltuieli cu lucrarile si serviciile executate de terti   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli de intretinere si reparatii                  |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind energia si apa                       |             |
|____________________________________________________________|_____________|
|  - Cheltuieli postale si taxe de telecomunicatii           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu colaboratorii si de intermediere          |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu deplasari, detasari, transferari si       |             |
|    transportul personalului si bunurilor                   |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli cu lucrarile si serviciile executate    |             |
|    de terti                                                |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu primele de asigurare                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu redeventele privind operatiunile de       |             |
|    leasing si asimilate                                    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu redeventele privind concesiunile,         |             |
|    locatiile de gestiune si chiriile                       |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli                                         |             |
|____________________________________________________________|_____________|
| Cheltuieli de protocol, reclama si publicitate             |             |
|____________________________________________________________|_____________|
| CHELTUIELI DIVERSE DE EXPLOATARE                           |             |
|____________________________________________________________|_____________|
| Venituri retrocedate privind operatiunile de exploatare    |             |
| nebancara efectuate in comun                               |             |
|____________________________________________________________|_____________|
| Cota-parte privind operatiuni de exploatare nebancara      |             |
| efectuate in comun                                         |             |
|____________________________________________________________|_____________|
| Cota-parte din cheltuielile sediului social                |             |
|____________________________________________________________|_____________|
| Pierderi din cesiunea imobilizarilor                       |             |
|____________________________________________________________|_____________|
|  - Pierderi din cesiunea imobilizarilor necorporale si     |             |
|    corporale                                               |             |
|____________________________________________________________|_____________|
|  - Pierderi din cesiunea imobilizarilor financiare         |             |
|____________________________________________________________|_____________|
| Alte cheltuieli diverse de exploatare                      |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU AMORTIZARILE PRIVIND IMOBILIZARILE           |             |
| NECORPORALE SI CORPORALE                                   |             |
|____________________________________________________________|_____________|
| Cheltuieli cu amortizarile imobilizarilor necorporale      |             |
|____________________________________________________________|_____________|
| Cheltuieli cu amortizarile imobilizarilor corporale        |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU PROVIZIOANE SI PIERDERI DIN CREANTE          |             |
| NERECUPERABILE                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru creante din operatiuni    |             |
| cu institutii de credit                                    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de credit   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de dobanda  |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru creante din operatiuni    |             |
| cu clientela                                               |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de credit   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de dobanda  |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane privind operatiuni cu titluri    |             |
| si operatiuni diverse                                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea titlurilor |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       titlurilor de plasament                              |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       titlurilor de investitii                             |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea stocurilor |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru creante restante si    |             |
|    indoielnice                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru valori imobilizate        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea titlurilor |             |
|    de participare si a titlurilor activitatii de           |             |
|    portofoliu                                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea            |             |
|    imobilizarilor                                          |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       imobilizarilor in curs                               |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       imobilizarilor activitatii de exploatare             |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu provizioane pentru deprecierea         |             |
|       imobilizarilor in afara activitatii de exploatare    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru creante restante si    |             |
|    indoielnice                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru riscuri si cheltuieli     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru facilitati acordate    |             |
|    personalului                                            |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru risc de tara           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru alte riscuri si        |             |
|    cheltuieli                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane reglementate                     |             |
|____________________________________________________________|_____________|
| Pierderi din creante nerecuperabile acoperite cu           |             |
| provizioane                                                |             |
|____________________________________________________________|_____________|
| Pierderi din creante nerecuperabile neacoperite cu         |             |
| provizioane                                                |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI CURENTE                                   |             |
|____________________________________________________________|_____________|
| CHELTUIELI EXCEPTIONALE                                    |             |
|____________________________________________________________|_____________|
| Cheltuieli exceptionale privind operatiunile de gestiune   |             |
|____________________________________________________________|_____________|
|  - Despagubiri, amenzi si penalitati                       |             |
|____________________________________________________________|_____________|
|  - Donatii si subventii acordate                           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind sponsorizarile                       |             |
|____________________________________________________________|_____________|
|  - Pierderi din debitori diversi                           |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli exceptionale privind operatiunile de    |             |
|    gestiune                                                |             |
|____________________________________________________________|_____________|
| Cheltuieli exceptionale privind amortizarile si            |             |
| provizioanele                                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind amortizarea             |             |
|    imobilizarilor                                          |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane pentru      |             |
|    riscuri si cheltuieli                                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane pentru      |             |
|    deprecieri                                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane reglementate|             |
|____________________________________________________________|_____________|
| Alte cheltuieli exceptionale                               |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI EXCEPTIONALE                              |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI*)                                         |             |
|____________________________________________________________|_____________|
    *) mai putin cheltuielile cu impozitul pe profit

                  CONTUL DE PROFIT SI PIERDERI ESTIMATIV
                       - cooperativa de credit -

    DENUMIREA COOPERATIVEI DE CREDIT: ......................................
                                                _______
                                               |   |   |
    Data:    [_,_|_,_|_,_]                     | 0 | 3 |
                                               |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|                                                            |    Sume     |
|____________________________________________________________|_____________|
|                             A                              |     1       |
|____________________________________________________________|_____________|
| REZULTATUL CURENT                                          |             |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| REZULTATUL EXCEPTIONAL                                     |             |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| REZULTATUL BRUT AL EXERCITIULUI                            |             |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
|   Impozitul pe profit                                      |             |
|____________________________________________________________|_____________|
| REZULTATUL NET AL EXERCITIULUI                             |             |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|

               REPARTIZAREA PREVIZIONATA A REZULTATULUI
                     - cooperativa de credit -

    JUDETUL __________________________|___|__|
    DENUMIREA COOPERATIVEI DE CREDIT:________________________________
    ADRESA LOC: __________________ , sector_, STR.: ___________ nr.: ______
    TELEFONUL: ________ FAXUL:__________
                                                 _______
                                                |   |   |
    Data:    [_,_|_,_|_,_]                      | 0 | 1 |
                                                |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                             A                              |      1      |
|____________________________________________________________|_____________|
| REPARTIZARI DIN PROFIT                                     |             |
|____________________________________________________________|_____________|
| Rezerve legale                                             |             |
|____________________________________________________________|_____________|
| Rezerva generala pentru riscul de credit                   |             |
|____________________________________________________________|_____________|
| Rezerva de intrajutorare                                   |             |
|____________________________________________________________|_____________|
| Acoperirea pierderilor contabile din anii precedenti       |             |
|____________________________________________________________|_____________|
| Participarea personalului la profit                        |             |
|____________________________________________________________|_____________|
| Cota managerului din profitul net                          |             |
|____________________________________________________________|_____________|
| Surse proprii de finantare, din care:                      |             |
|____________________________________________________________|_____________|
|  - constituite din sumele aferente reducerii impozitului   |             |
|    pe profit                                               |             |
|____________________________________________________________|_____________|
| Rezerve statutare si alte rezerve                          |             |
|____________________________________________________________|_____________|
| Alte repartizari din profit prevazute de lege              |             |
|____________________________________________________________|_____________|
| Dividende de platit                                        |             |
|____________________________________________________________|_____________|
| PROFIT NEREPARTIZAT                                        |             |
|____________________________________________________________|_____________|

    ANEXA 5

                           BILANT ESTIMATIV
             - casa centrala a cooperativelor de credit -

    JUDETUL __________________________|___|__|
    DENUMIREA COOPERATIVEI DE CREDIT:________________________________
    ADRESA LOC: __________________ , sector_, STR.: ___________ nr.: ______
    TELEFONUL: ________ FAXUL:__________
                                                _______
                                               |   |   |
    Data:    [_,_|_,_|_,_]                     | 0 | 1 |
                                               |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|                    ACTIV                     | Amortizari si | Sume nete |
|                                              |  provizioane  |           |
|______________________________________________|_______________|___________|
|                      A                       |      1        |     2     |
|______________________________________________|_______________|___________|
| Operatiuni de trezorerie si operatiuni cu    |               |           |
| institutii de credit                         |               |           |
|______________________________________________|_______________|___________|
| - Casa si alte valori                        |               |           |
|______________________________________________|_______________|___________|
|    - Casa                                    |               |           |
|______________________________________________|_______________|___________|
|    - Alte valori                             |               |           |
|______________________________________________|_______________|___________|
| - Cont curent la banci centrale              |               |           |
|______________________________________________|_______________|___________|
| - Conturi de corespondent la institutii      |               |           |
|   de credit (nostro)                         |               |           |
|______________________________________________|_______________|___________|
| - Depozite la institutii de credit           |               |           |
|______________________________________________|_______________|___________|
| - Credite acordate cooperativelor de credit  |               |           |
|   afiliate                                   |               |           |
|______________________________________________|_______________|___________|
| - Credite acordate altor institutii de credit|               |           |
|______________________________________________|_______________|___________|
| - Valori primite in pensiune                 |               |           |
|______________________________________________|_______________|___________|
| - Valori de recuperat                        |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
| Operatiuni cu clientela                      |               |           |
|______________________________________________|_______________|___________|
| - Creante comerciale                         |               |           |
|______________________________________________|_______________|___________|
| - Credite de trezorerie                      |               |           |
|______________________________________________|_______________|___________|
| - Credite pentru export                      |               |           |
|______________________________________________|_______________|___________|
| - Credite pentru echipament                  |               |           |
|______________________________________________|_______________|___________|
| - Credite pentru bunuri imobiliare           |               |           |
|______________________________________________|_______________|___________|
| - Alte credite acordate clientelei           |               |           |
|______________________________________________|_______________|___________|
| - Credite acordate clientelei financiare     |               |           |
|______________________________________________|_______________|___________|
| - Valori primite in pensiune                 |               |           |
|______________________________________________|_______________|___________|
| - Conturi curente debitoare                  |               |           |
|______________________________________________|_______________|___________|
| - Valori de recuperat                        |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
| Operatiuni cu titluri si operatiuni diverse  |               |           |
|______________________________________________|_______________|___________|
| - Titluri primite in pensiune livrata        |               |           |
|______________________________________________|_______________|___________|
| - Titluri de tranzactie                      |               |           |
|______________________________________________|_______________|___________|
| - Titluri de plasament                       |               |           |
|______________________________________________|_______________|___________|
| - Titluri de investitii                      |               |           |
|______________________________________________|_______________|___________|
| - Conturi de decontare privind operatiunile  |               |           |
|   cu titluri                                 |               |           |
|______________________________________________|_______________|___________|
| - Decontari intracooperatiste                |               |           |
|______________________________________________|_______________|___________|
| - Personal si conturi asimilate              |               |           |
|______________________________________________|_______________|___________|
| - Asigurari sociale, protectia sociala si    |               |           |
|   conturi asimilate                          |               |           |
|______________________________________________|_______________|___________|
| - Bugetul statului, fonduri speciale si      |               |           |
|   conturi asimilate                          |               |           |
|______________________________________________|_______________|___________|
| - Debitori diversi                           |               |           |
|______________________________________________|_______________|___________|
| - Conturi de stocuri                         |               |           |
|______________________________________________|_______________|___________|
| - Conturi de regularizare                    |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
| Valori imobilizate                           |               |           |
|______________________________________________|_______________|___________|
| - Credite subordonate                        |               |           |
|______________________________________________|_______________|___________|
| - Parti in cadrul societatilor comerciale    |               |           |
|   legate, titluri de participare si titluri  |               |           |
|   ale activitatii de portofoliu              |               |           |
|______________________________________________|_______________|___________|
| - Imobilizari in curs, imobilizari ale       |               |           |
|   activitatii de exploatare, imobilizari in  |               |           |
|   afara activitatii de exploatare            |               |           |
|______________________________________________|_______________|___________|
| - Creante restante                           |               |           |
|______________________________________________|_______________|___________|
| - Creante indoielnice                        |               |           |
|______________________________________________|_______________|___________|
| - Creante atasate                            |               |           |
|______________________________________________|_______________|___________|
| Actionari sau asociati                       |               |           |
|______________________________________________|_______________|___________|
| TOTAL                                        |               |           |
|______________________________________________|_______________|___________|

                           BILANT ESTIMATIV
              - casa centrala a cooperativelor de credit -

    DENUMIREA CASEI CENTRALE: ......................................
                                                _______
                                               |   |   |
    Data:    [_,_|_,_|_,_]                     | 0 | 2 |
                                               |___|___|

                                                              - mii lei -
 __________________________________________________________________________
|                        PASIV                               |     Sume    |
|____________________________________________________________|_____________|
|                          A                                 |      1      |
|____________________________________________________________|_____________|
| Operatiuni de trezorerie si operatiuni cu institutiile     |             |
| de credit                                                  |             |
|____________________________________________________________|_____________|
| - Imprumuturi de refinantare de la banci centrale          |             |
|____________________________________________________________|_____________|
| - Conturi ale cooperativelor de credit afiliate            |             |
|____________________________________________________________|_____________|
| - Conturi de corespondent ale institutiilor de credit      |             |
|   (loro)                                                   |             |
|____________________________________________________________|_____________|
| - Depozite ale cooperativelor de credit afiliate           |             |
|____________________________________________________________|_____________|
| - Depozite ale altor institutii de credit                  |             |
|____________________________________________________________|_____________|
| - Imprumuturi primite de la institutii de credit           |             |
|____________________________________________________________|_____________|
| - Valori date in pensiune                                  |             |
|____________________________________________________________|_____________|
| - Alte sume datorate                                       |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| Operatiuni cu clientela                                    |             |
|____________________________________________________________|_____________|
| - Imprumuturi primite de la clientela financiara           |             |
|____________________________________________________________|_____________|
| - Valori date in pensiune                                  |             |
|____________________________________________________________|_____________|
| - Conturi curente creditoare                               |             |
|____________________________________________________________|_____________|
| - Conturi de factoring                                     |             |
|____________________________________________________________|_____________|
| - Conturi de depozite                                      |             |
|____________________________________________________________|_____________|
| - Certificate de depozit                                   |             |
|____________________________________________________________|_____________|
| - Carnete si librete de economii                           |             |
|____________________________________________________________|_____________|
| - Alte sume datorate                                       |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| Operatiuni cu titluri si operatiuni diverse                |             |
|____________________________________________________________|_____________|
| - Titluri date in pensiune livrata                         |             |
|____________________________________________________________|_____________|
| - Titluri de tranzactie                                    |             |
|____________________________________________________________|_____________|
| - Titluri de piata interbancara                            |             |
|____________________________________________________________|_____________|
| - Titluri de creante negociabile                           |             |
|____________________________________________________________|_____________|
| - Obligatiuni                                              |             |
|____________________________________________________________|_____________|
| - Alte datorii constituite prin titluri                    |             |
|____________________________________________________________|_____________|
| - Conturi de decontare privind operatiunile cu titluri     |             |
|____________________________________________________________|_____________|
| - Varsaminte de efectuat privind titlurile                 |             |
|____________________________________________________________|_____________|
| - Decontari intracooperatiste                              |             |
|____________________________________________________________|_____________|
| - Personal si conturi asimilate                            |             |
|____________________________________________________________|_____________|
| - Asigurari sociale, protectia sociala si conturi          |             |
|   asimilate                                                |             |
|____________________________________________________________|_____________|
| - Bugetul statului, fonduri speciale si conturi asimilate  |             |
|____________________________________________________________|_____________|
| - Dividende de plata                                       |             |
|____________________________________________________________|_____________|
| - Creditori diversi                                        |             |
|____________________________________________________________|_____________|
| - Conturi de regularizare                                  |             |
|____________________________________________________________|_____________|
| - Datorii atasate                                          |             |
|____________________________________________________________|_____________|
| Capitaluri proprii, asimilate si provizioane               |             |
|____________________________________________________________|_____________|
|  - Capital                                                 |             |
|____________________________________________________________|_____________|
|  - Prime legate de capital                                 |             |
|____________________________________________________________|_____________|
|  - Rezerve legale                                          |             |
|____________________________________________________________|_____________|
|  - Rezerva mutuala de garantare                            |             |
|____________________________________________________________|_____________|
|  - Rezerve statutare                                       |             |
|____________________________________________________________|_____________|
|  - Rezerva generala pentru riscul de credit                |             |
|____________________________________________________________|_____________|
|  - Diferente din reevaluare                                |             |
|____________________________________________________________|_____________|
|  - Alte rezerve                                            |             |
|____________________________________________________________|_____________|
|  - Fonduri                                                 |             |
|____________________________________________________________|_____________|
|  - Datorii subordonate                                     |             |
|____________________________________________________________|_____________|
|  - Subventii si fonduri publice alocate                    |             |
|____________________________________________________________|_____________|
|  - Provizioane pentru riscuri si cheltuieli                |             |
|____________________________________________________________|_____________|
|  - Provizioane reglementate                                |             |
|____________________________________________________________|_____________|
|  - Datorii atasate                                         |             |
|____________________________________________________________|_____________|
|  - Rezultatul reportat (+/-)*)                             |             |
|____________________________________________________________|_____________|
|  - Profit sau pierdere (+/-)*)                             |             |
|____________________________________________________________|_____________|
|  - Repartizarea profitului                                 |             |
|____________________________________________________________|_____________|
| TOTAL                                                      |             |
|____________________________________________________________|_____________|
    *) Sumele negative trebuie sa fie precedate de semnul -

                               BILANT ESTIMATIV
                   - casa centrala a cooperativelor de credit -

    DENUMIREA CASEI CENTRALE: .............................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 3 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|              CONTURI IN AFARA BILANTULUI                   |     Sume    |
|____________________________________________________________|_____________|
|                           A                                |      1      |
|____________________________________________________________|_____________|
| Angajamente de finantare                                   |      _      |
|____________________________________________________________|_____________|
| - Angajamente in favoarea cooperativelor de credit afiliate|             |
|____________________________________________________________|_____________|
| - Angajamente in favoarea altor institutii de credit       |             |
|____________________________________________________________|_____________|
| - Angajamente primite de la institutii de credit           |             |
|____________________________________________________________|_____________|
| - Angajamente in favoarea clientelei                       |             |
|____________________________________________________________|_____________|
| - Angajamente primite de la clientela financiara si        |             |
|   institutiile administratiei publice                      |             |
|____________________________________________________________|_____________|
| Angajamente de garantie                                    |      _      |
|____________________________________________________________|_____________|
| - Cautiuni, avaluri si alte garantii date cooperativelor   |             |
|   de credit afiliate                                       |             |
|____________________________________________________________|_____________|
| - Cautiuni, avaluri si alte garantii date altor institutii |             |
|   de credit                                                |             |
|____________________________________________________________|_____________|
| - Cautiuni, avaluri si alte garantii primite de la         |             |
|   institutii de credit                                     |             |
|____________________________________________________________|_____________|
| - Garantii date pentru clientela                           |             |
|____________________________________________________________|_____________|
| - Garantii primite de la clientela                         |             |
|____________________________________________________________|_____________|
| Angajamente privind titlurile                              |      _      |
|____________________________________________________________|_____________|
| - Titluri de primit                                        |             |
|____________________________________________________________|_____________|
| - Titluri vandute cu posibilitate de rascumparare          |             |
|____________________________________________________________|_____________|
| - Alte titluri de primit                                   |             |
|____________________________________________________________|_____________|
| - Titluri de livrat                                        |             |
|____________________________________________________________|_____________|
| - Titluri cumparate cu posibilitate de rascumparare        |             |
|____________________________________________________________|_____________|
| - Alte titluri de livrat                                   |             |
|____________________________________________________________|_____________|
| Operatiuni in devize                                       |      _      |
|____________________________________________________________|_____________|
| - Operatiuni de schimb la vedere                           |      _      |
|____________________________________________________________|_____________|
| - Lei cumparati si inca neprimiti                          |             |
|____________________________________________________________|_____________|
| - Devize cumparate si inca neprimite                       |             |
|____________________________________________________________|_____________|
| - Lei vanduti si inca nelivrati                            |             |
|____________________________________________________________|_____________|
| - Devize vandute si inca nelivrate                         |             |
|____________________________________________________________|_____________|
| Operatiuni privind devizele date si luate cu imprumut      |      _      |
|____________________________________________________________|_____________|
| - Devize date cu imprumut si inca nelivrate                |             |
|____________________________________________________________|_____________|
| - Devize luate cu imprumut si inca neprimite               |             |
|____________________________________________________________|_____________|
| Operatiuni de schimb la termen                             |      _      |
|____________________________________________________________|_____________|
| - Lei de primit contra devize de livrat                    |             |
|____________________________________________________________|_____________|
| - Devize de livrat contra lei de primit                    |             |
|____________________________________________________________|_____________|
| - Devize de primit contra lei de livrat                    |             |
|____________________________________________________________|_____________|
| - Lei de livrat contra devize de primit                    |             |
|____________________________________________________________|_____________|
| - Devize de primit contra devize de livrat                 |             |
|____________________________________________________________|_____________|
| - Devize de livrat contra devize de primit                 |             |
|____________________________________________________________|_____________|
| - Report / deport calculat anticipat                       |      _      |
|____________________________________________________________|_____________|
|   - de primit                                              |             |
|____________________________________________________________|_____________|
|   - de platit                                              |             |
|____________________________________________________________|_____________|
| - Dobanzi neajunse la scadenta in devize acoperite la      |       _     |
|   termen                                                   |             |
|____________________________________________________________|_____________|
|   - de incasat                                             |             |
|____________________________________________________________|_____________|
|   - de platit                                              |             |
|____________________________________________________________|_____________|
| - Conturi de ajustare devize (+/-)*)                       |             |
|____________________________________________________________|_____________|
| Angajamente diverse                                        |      _      |
|____________________________________________________________|_____________|
| - Redevente, locatii de gestiune, chirii si alte           |             |
|   datorii asimilate                                        |             |
|____________________________________________________________|_____________|
| - Titluri primite in garantie                              |             |
|____________________________________________________________|_____________|
| - Titluri date in garantie                                 |             |
|____________________________________________________________|_____________|
| - Alte angajamente diverse date                            |             |
|____________________________________________________________|_____________|
| - Alte angajamente diverse primite                         |             |
|____________________________________________________________|_____________|
| Angajamente indoielnice                                    |             |
|____________________________________________________________|_____________|
| Conturi de evidenta                                        |      _      |
|____________________________________________________________|_____________|
| - Mijloace fixe luate cu chirie                            |             |
|____________________________________________________________|_____________|
| - Valori primite in pastrare sau custodie                  |             |
|____________________________________________________________|_____________|
| - Creante scoase din activ, urmarite in continuare,        |             |
|   din care:                                                |             |
|____________________________________________________________|_____________|
|   - Creante scoase din activ, urmarite in continuare       |             |
|     potrivit dispozitiilor legale                          |             |
|____________________________________________________________|_____________|
|     - Credite aferente contractelor de credit investite    |             |
|       cu formula executorie, urmarite in continuare        |             |
|____________________________________________________________|_____________|
|     - Valori primite in pensiune aferente contractelor     |             |
|       de credit investite cu formula executorie,           |             |
|       urmarite in continuare                               |             |
|____________________________________________________________|_____________|
|     - Titluri primite in pensiune livrata aferente         |             |
|       contractelor de credit investite cu formula          |             |
|       executorie, urmarite in continuare                   |             |
|____________________________________________________________|_____________|
|     - Dobanzi aferente contractelor de credit investite cu |             |
|       formula executorie, urmarite in continuare           |             |
|____________________________________________________________|_____________|
|     - Alte creante scoase din activ, urmarite in continuare|             |
|____________________________________________________________|_____________|
| - Creante atasate                                          |             |
|____________________________________________________________|_____________|
| - Debitori din penalitati pretinse                         |             |
|____________________________________________________________|_____________|
| - Amortizarea aferenta gradului de neutilizare a           |             |
|   mijloacelor fixe                                         |             |
|____________________________________________________________|_____________|
| - Alte valori primite                                      |             |
|____________________________________________________________|_____________|
| - Alte valori date                                         |             |
|____________________________________________________________|_____________|
    *) Sumele negative trebuie sa fie precedate de semnul -

                CONTUL DE PROFIT SI PIERDERI ESTIMATIV
             - casa centrala a cooperativelor de credit -

    JUDETUL ____________________|_|_|
    DENUMIREA CASEI CENTRALE: _____________________________________________
    ADRESA LOC: _____________, sector __, STR.: ___________________ nr: ___
    TELEFONUL: _______________ FAXUL: ___________________
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| VENITURI DIN ACTIVITATEA DE EXPLOATARE BANCARA             |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile de trezorerie si operatiunile cu |             |
| institutiile de credit                                     |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Banci centrale                                          |             |
|____________________________________________________________|_____________|
|  - Conturi de corespondent                                 |             |
|____________________________________________________________|_____________|
|  - Depozite la institutii de credit                        |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Credite acordate cooperativelor de credit afiliate      |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - financiare                                           |             |
|____________________________________________________________|_____________|
|  - Credite acordate altor institutii de credit             |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - financiare                                           |             |
|____________________________________________________________|_____________|
|  - Valori primite in pensiune                              |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|     - Titluri cu posibilitate de rascumparare              |             |
|____________________________________________________________|_____________|
|     - Report / deport                                      |             |
|____________________________________________________________|_____________|
|     - Diverse dobanzi                                      |             |
|____________________________________________________________|_____________|
|     - Creante restante si indoielnice                      |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Venituri din operatiuni cu clientela                       |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Creante comerciale si credite acordate clientelei       |             |
|____________________________________________________________|_____________|
|     - Scont, asimilate si alte creante comerciale          |             |
|____________________________________________________________|_____________|
|     - Operatiuni de factoring                              |             |
|____________________________________________________________|_____________|
|     - Credite de trezorerie                                |             |
|____________________________________________________________|_____________|
|     - Credite pentru export                                |             |
|____________________________________________________________|_____________|
|     - Credite pentru echipament                            |             |
|____________________________________________________________|_____________|
|     - Credite pentru bunuri imobiliare                     |             |
|____________________________________________________________|_____________|
|     - Alte credite acordate clientelei                     |             |
|____________________________________________________________|_____________|
|  - Credite acordate clientelei financiare                  |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|  - Valori primite in pensiune                              |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|  - Conturi curente debitoare                               |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|     - Titluri cu posibilitate de rascumparare              |             |
|____________________________________________________________|_____________|
|     - Report / deport                                      |             |
|____________________________________________________________|_____________|
|     - Diverse dobanzi                                      |             |
|____________________________________________________________|_____________|
|  - Creante restante si indoielnice                         |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile cu titluri                       |             |
|____________________________________________________________|_____________|
|  - Dobanzi de la titlurile primite in pensiune livrata     |             |
|____________________________________________________________|_____________|
|  - Venituri din titlurile de tranzactie                    |             |
|____________________________________________________________|_____________|
|  - Venituri din titlurile de plasament                     |             |
|____________________________________________________________|_____________|
|     - Dobanzi                                              |             |
|____________________________________________________________|_____________|
|     - Dividende si venituri asimilate                      |             |
|____________________________________________________________|_____________|
|     - Venituri din cesiune                                 |             |
|____________________________________________________________|_____________|
|  - Venituri din titlurile de investitii                    |             |
|____________________________________________________________|_____________|
|     - Dobanzi                                              |             |
|____________________________________________________________|_____________|
|     - Venituri din prime                                   |             |
|____________________________________________________________|_____________|
|  - Venituri din datorii constituite prin titluri           |             |
|____________________________________________________________|_____________|
|  - Venituri diverse din operatiunile cu titluri            |             |
|____________________________________________________________|_____________|
|  - Dobanzi din creante restante si indoielnice             |             |
|____________________________________________________________|_____________|
|  - Comisioane                                              |             |
|____________________________________________________________|_____________|
| Venituri din credite subordonate, parti in cadrul          |             |
| societatilor comerciale legate, titluri de participare     |             |
| si titluri ale activitati de portofoliu                    |             |
|____________________________________________________________|_____________|
|  - Dobanzi de la creditele subordonate la termen           |             |
|____________________________________________________________|_____________|
|  - Dobanzi de la creditele subordonate pe durata           |             |
|    nedeterminata                                           |             |
|____________________________________________________________|_____________|
|  - Dividende si venituri asimilate                         |             |
|____________________________________________________________|_____________|
|  - Dobanzi din creante restante si indoielnice             |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile de schimb                        |             |
|____________________________________________________________|_____________|
|  - Venituri din operatiunile de schimb si arbitraj         |             |
|____________________________________________________________|_____________|
|  - Comisioane                                              |             |
|____________________________________________________________|_____________|
| Venituri din operatiunile in afara bilantului              |             |
|____________________________________________________________|_____________|
|  - Venituri din angajamentele de finantare                 |             |
|____________________________________________________________|_____________|
|    - Angajamente de finantare in favoarea                  |             |
|      cooperativelor de credit afiliate                     |             |
|____________________________________________________________|_____________|
|    - Angajamente de finantare in favoarea                  |             |
|      altor institutii de credit                            |             |
|____________________________________________________________|_____________|
|    - Angajamente de finantare in favoarea clientelei       |             |
|____________________________________________________________|_____________|
|  - Venituri din angajamentele de garantie                  |             |
|____________________________________________________________|_____________|
|    - Angajamente de garantie in favoarea cooperativelor    |             |
|      de credit afiliate                                    |             |
|____________________________________________________________|_____________|
|    - Angajamente de garantie in favoarea altor institutii  |             |
|      de credit                                             |             |
|____________________________________________________________|_____________|
|    - Angajamente de garantie in favoarea clientelei        |             |
|____________________________________________________________|_____________|
|  - Venituri din alte angajamente date                      |             |
|____________________________________________________________|_____________|
| Venituri din prestatiile de servicii financiare            |             |
|____________________________________________________________|_____________|
|  - Comisioane privind titlurile gestionate sau in depozit  |             |
|____________________________________________________________|_____________|
|  - Comisioane privind operatiunile cu titluri efectuate    |             |
|    in contul clientelei                                    |             |
|____________________________________________________________|_____________|
|  - Comisioane din activitatile de asistenta si de          |             |
|    consultanta                                             |             |
|____________________________________________________________|_____________|
|    - Comisioane din activitatile de asistenta si           |             |
|      consultanta pentru persoane fizice                    |             |
|____________________________________________________________|_____________|
|    - Comisioane din activitatile de asistenta si           |             |
|      consultanta pentru persoane juridice                  |             |
|____________________________________________________________|_____________|
|    - Alte comisioane                                       |             |
|____________________________________________________________|_____________|
|  - Venituri privind mijloacele de plata                    |             |
|____________________________________________________________|_____________|
|  - Alte venituri din prestatiile de servicii financiare    |             |
|____________________________________________________________|_____________|
| Alte venituri din activitatea de exploatare bancara        |             |
|____________________________________________________________|_____________|
|  - Cota-parte privind operatiunile de exploatare bancara   |             |
|    efectuate in comun                                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli refacturate privind operatiunile de          |             |
|    exploatare bancara efectuate in comun                   |             |
|____________________________________________________________|_____________|
|  - Transferuri de cheltuieli de exploatare bancara         |             |
|____________________________________________________________|_____________|
|  - Venituri diverse de exploatare bancara                  |             |
|____________________________________________________________|_____________|
| VENITURI DIVERSE DIN EXPLOATARE                            |             |
|____________________________________________________________|_____________|
| Cheltuieli refacturate                                     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli refacturate societatilor grupului            |             |
|____________________________________________________________|_____________|
|  - Cheltuieli refacturate altor societati                  |             |
|____________________________________________________________|_____________|
| Cota-parte privind operatiunile de exploatare              |             |
| nebancare efectuate in comun                               |             |
|____________________________________________________________|_____________|
| Cota-parte din cheltuielile sediului social                |             |
|____________________________________________________________|_____________|
| Venituri din cesiunea imobilizarilor                       |             |
|____________________________________________________________|_____________|
|  - Venituri din cesiunea imobilizarilor                    |             |
|    necorporale si corporale                                |             |
|____________________________________________________________|_____________|
|  - Venituri din cesiunea imobilizarilor financiare         |             |
|____________________________________________________________|_____________|
| Venituri accesorii                                         |             |
|____________________________________________________________|_____________|
|  - Venituri privind imobilele legate de exploatare         |             |
|____________________________________________________________|_____________|
|  - Venituri din activitati nebancare                       |             |
|____________________________________________________________|_____________|
|  - Alte venituri accesorii                                 |             |
|____________________________________________________________|_____________|
| Alte venituri diverse din exploatare                       |             |
|____________________________________________________________|_____________|
|  - Transferuri de cheltuieli de exploatare nebancara       |             |
|____________________________________________________________|_____________|
|  - Cota-parte din subventiile de investitii trecuta la     |             |
|    venituri                                                |             |
|____________________________________________________________|_____________|
|  - Venituri din subventii de exploatare                    |             |
|____________________________________________________________|_____________|
|  - Venituri din productia de imobilizari                   |             |
|____________________________________________________________|_____________|
|  - Venituri privind bunurile mobile si imobile din         |             |
|    executarea creantelor                                   |             |
|____________________________________________________________|_____________|
|  - Alte venituri                                           |             |
|____________________________________________________________|_____________|
| VENITURI DIN PROVIZIOANE SI RECUPERARI DE CREANTE          |             |
| AMORTIZATE                                                 |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru creante din operatiuni     |             |
| cu institutii de credit                                    |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane specifice de risc de credit    |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane specifice de risc de dobanda   |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru creante din operatiuni     |             |
| cu clientela                                               |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane specifice de risc de credit    |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane specifice de risc de dobanda   |             |
|____________________________________________________________|_____________|
| Venituri din provizioane privind operatiuni cu titluri     |             |
| si operatiuni diverse                                      |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru deprecierea titlurilor  |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      titlurilor de plasament                               |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      titlurilor de investitii                              |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru deprecierea stocurilor  |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru creante restante si     |             |
|    indoielnice                                             |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru valori imobilizate         |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru deprecierea partilor    |             |
|    detinute in cadrul societatilor comerciale legate,      |             |
|    a titlurilor de participare si a titlurilor             |             |
|    activitatii de portofoliu                               |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru deprecierea             |             |
|    imobilizarilor                                          |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      imobilizarilor in curs                                |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      imobilizarilor activitatii de exploatare              |             |
|____________________________________________________________|_____________|
|    - Venituri din provizioane pentru deprecierea           |             |
|      imobilizarilor in afara activitatii de exploatare     |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru creante restante si     |             |
|    indoielnice                                             |             |
|____________________________________________________________|_____________|
| Venituri din provizioane pentru riscuri si cheltuieli      |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru riscuri de executare    |             |
|    a angajamentelor prin semnatura                         |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru facilitati acordate     |             |
|    personalului                                            |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru risc de tara            |             |
|____________________________________________________________|_____________|
|  - Venituri din provizioane pentru alte riscuri si         |             |
|    cheltuieli                                              |             |
|____________________________________________________________|_____________|
| Venituri din provizioane reglementate                      |             |
|____________________________________________________________|_____________|
| Venituri din recuperari de creante amortizate              |             |
|____________________________________________________________|_____________|
| VENITURI DIN RELUAREA REZERVEI GENERALE PENTRU RISCUL DE   |             |
| CREDIT                                                     |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI CURENTE                                     |             |
|____________________________________________________________|_____________|
| VENITURI EXCEPTIONALE                                      |             |
|____________________________________________________________|_____________|
| Venituri exceptionale din operatiunile de gestiune         |             |
|____________________________________________________________|_____________|
|  - Venituri din despagubiri si penalitati                  |             |
|____________________________________________________________|_____________|
|  - Alte venituri exceptionale din operatiuni de gestiune   |             |
|____________________________________________________________|_____________|
| Venituri exceptionale din provizioane                      |             |
|____________________________________________________________|_____________|
|  - Venituri exceptionale din provizioane pentru riscuri    |             |
|    si cheltuieli                                           |             |
|____________________________________________________________|_____________|
|  - Venituri exceptionale din provizioane pentru deprecieri |             |
|____________________________________________________________|_____________|
|  - Venituri exceptionale din provizioane reglementate      |             |
|____________________________________________________________|_____________|
| Alte venituri exceptionale                                 |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI EXCEPTIONALE                                |             |
|____________________________________________________________|_____________|
| TOTAL VENITURI                                             |             |
|____________________________________________________________|_____________|

              CONTUL DE PROFIT SI PIERDERI ESTIMATIV
           - casa centrala a cooperativelor de credit -

    DENUMIREA CASEI CENTRALE: .............................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 2 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| CHELTUIELI DE EXPLOATARE BANCARA                           |             |
|____________________________________________________________|_____________|
| Cheltuieli cu operatiunile de trezorerie si operatiunile   |             |
| cu institutiile de credit                                  |             |
|____________________________________________________________|_____________|
| Dobanzi                                                    |             |
|____________________________________________________________|_____________|
|  - Banci centrale                                          |             |
|____________________________________________________________|_____________|
|  - Cooperative de credit afiliate                          |             |
|____________________________________________________________|_____________|
|  - Conturi de corespondent                                 |             |
|____________________________________________________________|_____________|
|  - Depozite ale cooperativelor de credit afiliate          |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Depozite ale altor institutii de credit                 |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Imprumuturi de la institutii de credit                  |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - financiare                                           |             |
|____________________________________________________________|_____________|
|  - Valori date in pensiune                                 |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|  - Titluri cu posibilitate de rascumparare                 |             |
|____________________________________________________________|_____________|
|  - Report / deport                                         |             |
|____________________________________________________________|_____________|
|  - Diverse dobanzi                                         |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Cheltuieli cu operatiunile cu clientela                    |             |
|____________________________________________________________|_____________|
|  Dobanzi                                                   |             |
|____________________________________________________________|_____________|
|  - Conturi de factoring                                    |             |
|____________________________________________________________|_____________|
|  - Imprumuturi primite de la clientela financiara          |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|  - Valori date in pensiune                                 |             |
|____________________________________________________________|_____________|
|     - de pe o zi pe alta                                   |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|  - Conturi curente creditoare                              |             |
|____________________________________________________________|_____________|
|  - Conturi de depozite                                     |             |
|____________________________________________________________|_____________|
|     - la vedere                                            |             |
|____________________________________________________________|_____________|
|     - la termen                                            |             |
|____________________________________________________________|_____________|
|     - colaterale                                           |             |
|____________________________________________________________|_____________|
|  - Certificate de depozit, carnete si librete de economii  |             |
|____________________________________________________________|_____________|
|  - Alte dobanzi                                            |             |
|____________________________________________________________|_____________|
|    - Titluri cu posibilitate de rascumparare               |             |
|____________________________________________________________|_____________|
|    - Report / deport                                       |             |
|____________________________________________________________|_____________|
|    - Diverse dobanzi                                       |             |
|____________________________________________________________|_____________|
|  Comisioane                                                |             |
|____________________________________________________________|_____________|
| Cheltuieli pentru operatiunile cu titluri                  |             |
|____________________________________________________________|_____________|
|  - Dobanzi la titlurile date in pensiune livrata           |             |
|____________________________________________________________|_____________|
|  - Pierderi la titlurile de tranzactie                     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu titlurile de plasament                    |             |
|____________________________________________________________|_____________|
|     - Cheltuieli de achizitie                              |             |
|____________________________________________________________|_____________|
|     - Pierderi din cesiune                                 |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu titlurile de investitii                   |             |
|____________________________________________________________|_____________|
|     - Cheltuieli de achizitie                              |             |
|____________________________________________________________|_____________|
|     - Cheltuieli cu amortizarea primelor                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind datoriile constituite prin titluri   |             |
|____________________________________________________________|_____________|
|     - Dobanzi privind titlurile pe piata interbancara      |             |
|____________________________________________________________|_____________|
|     - Dobanzi privind titlurile de creante negociabile     |             |
|____________________________________________________________|_____________|
|     - Dobanzi privind obligatiunile                        |             |
|____________________________________________________________|_____________|
|     - Alte cheltuieli privind datoriile constituite        |             |
|       prin titluri                                         |             |
|____________________________________________________________|_____________|
|  - Cheltuieli diverse privind operatiunile cu titluri      |             |
|____________________________________________________________|_____________|
|  - Comisioane                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli privind datoriile subordonate si fondurile      |             |
| publice alocate                                            |             |
|____________________________________________________________|_____________|
|  - Datorii subordonate la termen                           |             |
|____________________________________________________________|_____________|
|  - Datorii subordonate pe durata nedeterminata             |             |
|____________________________________________________________|_____________|
|  - Fonduri publice alocate                                 |             |
|____________________________________________________________|_____________|
| Cheltuieli privind operatiunile de schimb                  |             |
|____________________________________________________________|_____________|
|  - Pierderi din operatiunile de schimb si arbitraj         |             |
|____________________________________________________________|_____________|
|  - Comisioane                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli privind operatiunile in afara bilantului        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu angajamentele de finantare                |             |
|____________________________________________________________|_____________|
|    - Angajamente de finantare primite de la institutii     |             |
|      de credit                                             |             |
|____________________________________________________________|_____________|
|    - Angajamente de finantare primite de la clientela      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu angajamentele de garantie                 |             |
|____________________________________________________________|_____________|
|    - Angajamente de garantie primite de la institutii      |             |
|      de credit                                             |             |
|____________________________________________________________|_____________|
|    - Angajamente de garantie primite de la clientela       |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu alte angajamente primite                  |             |
|____________________________________________________________|_____________|
| Cheltuieli cu prestatiile de servicii financiare           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu mijloacele de plata                       |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli cu prestatiile de servicii financiare   |             |
|____________________________________________________________|_____________|
| Alte cheltuieli de exploatare bancara                      |             |
|____________________________________________________________|_____________|
|  - Cota-parte privind operatiunile de exploatare bancara   |             |
|    efectuate in comun                                      |             |
|____________________________________________________________|_____________|
|  - Venituri retrocedate privind operatiunile de exploatare |             |
|    bancara efectuate in comun                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli diverse de exploatare bancara                |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU PERSONALUL                                   |             |
|____________________________________________________________|_____________|
| Cheltuieli cu remuneratiile personalului                   |             |
|____________________________________________________________|_____________|
| Cheltuieli privind asigurarile si protectia sociala        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind contributia unitatii la              |             |
|    asigurarile sociale                                     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind contributia unitatii                 |             |
|    pentru ajutorul de somaj                                |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli privind asigurarile si                  |             |
|    protectia sociala                                       |             |
|____________________________________________________________|_____________|
| Alte cheltuieli privind personalul                         |             |
|____________________________________________________________|_____________|
| IMPOZITE SI TAXE                                           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu impozitul pe salarii                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu alte impozite, taxe si                    |             |
|    varsaminte asimilate                                    |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU MATERIALELE, LUCRARILE SI                    |             |
| SERVICIILE EXECUTATE DE TERTI                              |             |
|____________________________________________________________|_____________|
| Cheltuieli cu materialele                                  |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu materialele consumabile                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind combustibilii                        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind piesele de schimb                    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind alte materiale                       |             |
|____________________________________________________________|_____________|
| Cheltuieli privind obiectele de inventar                   |             |
|____________________________________________________________|_____________|
| Cheltuieli privind alte stocuri                            |             |
|____________________________________________________________|_____________|
| Cheltuieli cu lucrarile si serviciile executate de terti   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli de intretinere si reparatii                  |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind energia si apa                       |             |
|____________________________________________________________|_____________|
|  - Cheltuieli postale si taxe de telecomunicatii           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu colaboratorii si de intermediere          |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu deplasari, detasari, transferari si       |             |
|    transportul personalului si bunurilor                   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu serviciile furnizate de societatile       |             |
|    grupului                                                |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli cu lucrarile si serviciile executate    |             |
|    de terti                                                |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu primele de asigurare                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu redeventele privind operatiunile de       |             |
|    leasing si asimilate                                    |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu redeventele privind concesiunile,         |             |
|    locatiile de gestiune si chiriile                       |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli                                         |             |
|____________________________________________________________|_____________|
| Cheltuieli de protocol, reclama si publicitate             |             |
|____________________________________________________________|_____________|
| CHELTUIELI DIVERSE DE EXPLOATARE                           |             |
|____________________________________________________________|_____________|
| Venituri retrocedate privind operatiunile de exploatare    |             |
| nebancara efectuate in comun                               |             |
|____________________________________________________________|_____________|
| Cota-parte privind operatiuni de exploatare nebancara      |             |
| efectuate in comun                                         |             |
|____________________________________________________________|_____________|
| Cota-parte din cheltuielile sediului social                |             |
|____________________________________________________________|_____________|
| Pierderi din cesiunea imobilizarilor                       |             |
|____________________________________________________________|_____________|
|  - Pierderi din cesiunea imobilizarilor necorporale        |             |
|    si corporale                                            |             |
|____________________________________________________________|_____________|
|  - Pierderi din cesiunea imobilizarilor financiare         |             |
|____________________________________________________________|_____________|
| Alte cheltuieli diverse de exploatare                      |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU AMORTIZARILE PRIVIND IMOBILIZARILE           |             |
| NECORPORALE SI CORPORALE                                   |             |
|____________________________________________________________|_____________|
| Cheltuieli cu amortizarile imobilizarilor necorporale      |             |
|____________________________________________________________|_____________|
| Cheltuieli cu amortizarile imobilizarilor corporale        |             |
|____________________________________________________________|_____________|
| CHELTUIELI CU PROVIZIOANE SI PIERDERI DIN CREANTE          |             |
| NERECUPERABILE                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru creante din               |             |
| operatiuni cu institutii de credit                         |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc de credit   |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc             |             |
|    de dobanda                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru creante din operatiuni    |             |
| cu clientela                                               |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc             |             |
|    de credit                                               |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane specifice de risc             |             |
|    de dobanda                                              |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane privind operatiuni cu titluri    |             |
| si operatiuni diverse                                      |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea            |             |
|    titlurilor                                              |             |
|____________________________________________________________|_____________|
|    - Cheltuieli cu provizioane pentru deprecierea          |             |
|      titlurilor de plasament                               |             |
|____________________________________________________________|_____________|
|    - Cheltuieli cu provizioane pentru deprecierea          |             |
|      titlurilor de investitii                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea            |             |
|    stocurilor                                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru creante restante       |             |
|    si indoielnice                                          |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru valori imobilizate        |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea partilor   |             |
|    detinute in cadrul societatilor comerciale legate, a    |             |
|    titlurilor de participare si a titlurilor activitatii   |             |
|    de portofoliu                                           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru deprecierea            |             |
|    imobilizarilor                                          |             |
|____________________________________________________________|_____________|
|    - Cheltuieli cu provizioane pentru deprecierea          |             |
|      imobilizarilor in curs                                |             |
|____________________________________________________________|_____________|
|    - Cheltuieli cu provizioane pentru deprecierea          |             |
|      imobilizarilor activitatii de exploatare              |             |
|____________________________________________________________|_____________|
|    - Cheltuieli cu provizioane pentru deprecierea          |             |
|      imobilizarilor in afara activitatii de exploatare     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru creante restante si    |             |
|    indoielnice                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane pentru riscuri si cheltuieli     |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru riscuri de executare   |             |
|    a angajamentelor prin semnatura                         |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru facilitati acordate    |             |
|    personalului                                            |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru risc de tara           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli cu provizioane pentru alte riscuri           |             |
|    si cheltuieli                                           |             |
|____________________________________________________________|_____________|
| Cheltuieli cu provizioane reglementate                     |             |
|____________________________________________________________|_____________|
| Pierderi din creante nerecuperabile acoperite              |             |
| cu provizioane                                             |             |
|____________________________________________________________|_____________|
| Pierderi din creante nerecuperabile neacoperite            |             |
| cu provizioane                                             |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI CURENTE                                   |             |
|____________________________________________________________|_____________|
| CHELTUIELI EXCEPTIONALE                                    |             |
|____________________________________________________________|_____________|
| Cheltuieli exceptionale privind operatiunile de gestiune   |             |
|____________________________________________________________|_____________|
|  - Despagubiri, amenzi si penalitati                       |             |
|____________________________________________________________|_____________|
|  - Donatii si subventii acordate                           |             |
|____________________________________________________________|_____________|
|  - Cheltuieli privind sponsorizarile                       |             |
|____________________________________________________________|_____________|
|  - Pierderi din debitori diversi                           |             |
|____________________________________________________________|_____________|
|  - Alte cheltuieli exceptionale privind operatiunile       |             |
|    de gestiune                                             |             |
|____________________________________________________________|_____________|
| Cheltuieli exceptionale privind amortizarile si            |             |
| provizioanele                                              |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind amortizarea             |             |
|    imobilizarilor                                          |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane             |             |
|    pentru riscuri si cheltuieli                            |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane             |             |
|    pentru deprecieri                                       |             |
|____________________________________________________________|_____________|
|  - Cheltuieli exceptionale privind provizioane reglementate|             |
|____________________________________________________________|_____________|
| Alte cheltuieli exceptionale                               |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI EXCEPTIONALE                              |             |
|____________________________________________________________|_____________|
| TOTAL CHELTUIELI*)                                         |             |
|____________________________________________________________|_____________|
    *) mai putin cheltuielile cu impozitul pe profit

                 CONTUL DE PROFIT SI PIERDERI ESTIMATIV
              - casa centrala a cooperativelor de credit -

 DENUMIREA CASEI CENTRALE: .................................................
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 3 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |      1      |
|____________________________________________________________|_____________|
| REZULTATUL CURENT                                          |      _      |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| REZULTATUL EXCEPTIONAL                                     |      _      |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| REZULTATUL BRUT AL EXERCITIULUI                            |      _      |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|
| Impozitul pe profit                                        |             |
|____________________________________________________________|_____________|
| REZULTATUL NET AL EXERCITIULUI                             |       _     |
|____________________________________________________________|_____________|
|    PROFIT                                                  |             |
|____________________________________________________________|_____________|
|    PIERDERE                                                |             |
|____________________________________________________________|_____________|

              REPARTIZAREA PREVIZIONATA A REZULTATULUI
            - casa centrala a cooperativelor de credit -

    JUDETUL ____________________|_|_|
    DENUMIREA CASEI CENTRALE: _____________________________________________
    ADRESA LOC: _____________, sector __, STR.: ___________________ nr: ___
    TELEFONUL: _______________ FAXUL: ___________________
                                               _______
                                              |   |   |
    Data: [_,_|_,_|_,_]                       | 0 | 1 |
                                              |___|___|
                                                              - mii lei -
 __________________________________________________________________________
|                                                            |     Sume    |
|____________________________________________________________|_____________|
|                              A                             |       1     |
|____________________________________________________________|_____________|
| REPARTIZARI DIN PROFIT                                     |       _     |
|____________________________________________________________|_____________|
| Rezerve legale                                             |             |
|____________________________________________________________|_____________|
| Rezerva generala pentru riscul de credit                   |             |
|____________________________________________________________|_____________|
| Rezerva mutuala de garantare                               |             |
|____________________________________________________________|_____________|
| Acoperirea pierderilor contabile din anii precedenti       |             |
|____________________________________________________________|_____________|
| Participarea personalului la profit                        |             |
|____________________________________________________________|_____________|
| Cota managerului din profitul net                          |             |
|____________________________________________________________|_____________|
| Surse proprii de finantare, din care:                      |             |
|____________________________________________________________|_____________|
|  - constituite din sumele aferente reducerii impozitului   |             |
|    pe profit                                               |             |
|____________________________________________________________|_____________|
| Rezerve statutare si alte rezerve                          |             |
|____________________________________________________________|_____________|
| Alte repartizari din profit prevazute de lege              |             |
|____________________________________________________________|_____________|
| Dividende de platit                                        |             |
|____________________________________________________________|_____________|
| PROFIT NEREPARTIZAT                                        |             |
|____________________________________________________________|_____________|

    Confidential

    ANEXA 6

                                    CHESTIONAR
                          pentru auditorul independent*)

    *) Chestionarul va fi completat prin dactilografiere, la toate intrebarile; daca spatiul este insuficient, raspunsurile pot fi date pe o foaie separata.
    Nu sunt acceptate chestionarele semnate prin reprezentare.
    *1) Se va completa cu denumirea cooperativei de credit sau a casei centrale la care societatea de expertiza contabila a fost propusa in calitate de auditor independent

    1. Denumirea organizatiei cooperatiste de credit pentru care se comunica informatiile*1):
    ________________________________________________________________________

    2. Identitatea societatii de expertiza contabila. (Se vor indica: denumirea, forma juridica, adresa sediului social).
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    3. Identitatea principalilor conducatori ai societatii de expertiza contabila. (Se vor indica: numele si prenumele si functiile acestora, adresa si numarul de telefon).
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    4. Societatea mentionata la pct. 2 a facut in ultimii 10 ani sau face in prezent obiectul unor anchete sau proceduri administrative sau judiciare? Aceste proceduri s-au incheiat cu vreo sanctiune sau interdictie? Daca da, dati detalii.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    5. In ultimii 10 ani vreuna dintre entitatile la care societatea mentionata la pct. 2 a executat lucrari de audit s-a aflat in conflict cu vreo autoritate insarcinata in supravegherea sistemului financiar - bancar sau i s-a refuzat/retras o autorizatie in domeniul bancar sau financiar? Daca da, dati detalii.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    6. In ultimii 10 ani vreuna dintre entitatile la care societatea mentionata la pct. 1 a executat lucrari de audit au facut obiectul unei proceduri de lichidare/faliment? In caz afirmativ, faceti orice precizari utile.
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    7. In ultimii 10 ani, societatea mentionata la pct. 2 sau actionarii/asociatii sai au facut obiectul, in Romania sau in strainatate, vreunei anchete sau proceduri profesionale, disciplinare, administrative sau judiciare, care s-a incheiat cu vreo sanctiune? Daca da, dati detalii, indiferent daca, intre timp, a intervenit o reabilitare. (Se vor indica: autoritatea care a dispus sanctionarea, fapta sanctionata, sanctiunea si data aplicarii sanctiunii).
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________
    ________________________________________________________________________

    8. Comunicati orice informatii suplimentare, care ar putea fi considerate relevante pentru activitatea societatii mentionate la pct. 2.
    ________________________________________________________________________
    ________________________________________________________________________

    Subsemnatul declar pe proprie raspundere, sub sanctiunea legii, ca toate raspunsurile sunt complete si conforme cu realitatea si nu exista alte fapte relevante asupra carora Banca Nationala a Romaniei ar trebui incunostintata.
    Totodata, in numele societatii pe care o reprezint, ma angajez sa comunic Bancii Nationale a Romaniei orice schimbare care va modifica informatiile furnizate.

    Data                                          Numele si prenumele

                                                  Semnatura si stampila
                                                  (chestionarul va fi semnat
                                                  de reprezentantul
                                                  legal/statutar al
                                                  societatii)

    N.B.
    Banca Nationala a Romaniei va pastra confidentialitatea informatiilor cuprinse in raspunsurile la acest chestionar, cu exceptia cazurilor prevazute de lege.



SmartCity5

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Comentarii la alte acte
ANONIM a comentat Ordin 82 2021
    Good day. I am a private loan lender that gives out both business and personal loans to individual at a low interest rate of 2% no matter your location. If you are interested Contact me (Whats App) number:+917310847059 sumitihomelend@gmail.com Mr. Sumiti
ANONIM a comentat Hotărârea 5 2019
    It’s a privilege to share this to the world. You deserve all the praise that comes to you. DR Amber has been a blessing to me since our encounter on the internet. He alone knows it all. I love him so much for his kindness, care, honesty and his help in the life of everyone that has come in contact with him. If not for DR Amber how would I have been able to survive this hardship. His spell made me a LOTTO MAX winner of 60 Million Dollars making my whole life beautiful and amazing. The numbers he gave me to play the lottery was a life changing number from grass to grace and I want to say I’m forever grateful to him. Thank you sir for being a blessing to the helpless. Anyone reading this that needs help can communicate with DR Amber online for indeed he has no match. Website: amberlottotemple.com OR Email: amberlottotemple@yahoo.com
ANONIM a comentat Ordin 1471 2020
    Bună, sunteți în căutarea unui împrumut de consolidare a datoriilor, împrumuturi negarantate, împrumuturi pentru afaceri, împrumuturi ipotecare, împrumuturi auto, împrumuturi pentru studenți, împrumuturi personale, capital de risc etc! Sunt creditor privat, acord împrumuturi companiilor și persoanelor fizice cu dobânzi mici și rezonabile de 2%. E-mail la: christywalton355@gmail.com
ANONIM a comentat Legea 243 2021
    Hello everyone, I want to use this medium to thank a great spell caster called Dr Grceondu for transforming my life financially, i have been playing lottery game for long but have never won any reasonable amount, I contacted Dr Graceondu after i red about him on the internet on how he help a lady with a lottery winning numbers and the lady won a very big amount of money, so i contacted him and He instructed me on what to do which i did and he told me to give him some time to prayers, on the second day he sent me some numbers and he said i should go and play them, so i went to play the numbers he gave me, after two day the result came out, and i went to check and to my greatest surprise my name came out as one of the winners i won $45 million, i still cant believe what happened to me that i am now a millionaire over night, i just want to say a very big thank you to Dr Graceondu i have never seen a powerful man like him, I will advice everyone out there to contact Dr Graceondu if you want to win big in your lottery game. You can reach him via his email, drgraceondu12@gmail.com or WhatsApp him +15204677763, you can also visit his Website. https://drgraceonduadodo.com
ANONIM a comentat Decretul 1231 2021
    i will never stop until the whole World knows about the MOST powerful priest maurice whose contact details I saw in a comment section here few weeks ago, so and i decided to contact him because i was badly in need of help TO SAVE MY MARRIAGE, I explained my situation to PRIEST MURICE. that Everything was going down the drain as my husband WAS constantly cheating on me with other women and he physically abuse me. priest maurice promised to help that my husband will change and will love me unconditionally in less than a week as far that my heart still beats for him. I FOLLOWED HIS INSTRUTION and he prepared a spell for me and my husband called me exactly when priest maurice said. He pleaded and said he needs me back since then he have been the sweetest man on earth. anyone out there reading this comment that need a effect spell caster Can reach him on email:psychicspellsolution@gmail.coM whatsapp:+1(571)3573337
ANONIM a comentat Ordin 12 2006
    Mai este in vigoare acest ordin, din moment ce aven Regulamentul (CE) 396:2005, revizuit 2019, referitor la rezidurile de pesticide din alimente, inclusiv din fructe si legume?
ANONIM a comentat Decretul 770 1966
    HOW TO GET YOUR EX LOVER BACK & HOW I GOT MY EX LOVER. BACK I want to thank Dr Omokpo for saving my marriage. My husband treated me badly and left home for almost 3 month this got me sick and confused. Then I told my friend about how my husband has changed towards me. Then he told me to contact: {dromokpo@gmail.com}that he will help me bring my husband back to being a good man. That this great man helped her too. Then I gave him a try. after 3 days of casting the spell my husband came back home and I forgive him and today we are living in joy and happiness If you are going through any relationship stress or broken marriage situation and you want your Ex lover, Ex boyfriend, Ex girlfriend or Divorced husband or wife back you reach him via: dromokpo@gmail.com
ANONIM a comentat Decretul 390 2018
    HOW TO GET YOUR EX LOVER BACK & HOW I GOT MY EX LOVER. BACK I want to thank Dr Omokpo for saving my marriage. My husband treated me badly and left home for almost 3 month this got me sick and confused. Then I told my friend about how my husband has changed towards me. Then he told me to contact: {dromokpo@gmail.com}that he will help me bring my husband back to being a good man. That this great man helped her too. Then I gave him a try. after 3 days of casting the spell my husband came back home and I forgive him and today we are living in joy and happiness If you are going through any relationship stress or broken marriage situation and you want your Ex lover, Ex boyfriend, Ex girlfriend or Divorced husband or wife back you reach him via: dromokpo@gmail.com
ANONIM a comentat Rectificare 353 2008
    HOW TO GET YOUR EX LOVER BACK & HOW I GOT MY EX LOVER. BACK I want to thank Dr Omokpo for saving my marriage. My husband treated me badly and left home for almost 3 month this got me sick and confused. Then I told my friend about how my husband has changed towards me. Then he told me to contact: {dromokpo@gmail.com}that he will help me bring my husband back to being a good man. That this great man helped her too. Then I gave him a try. after 3 days of casting the spell my husband came back home and I forgive him and today we are living in joy and happiness If you are going through any relationship stress or broken marriage situation and you want your Ex lover, Ex boyfriend, Ex girlfriend or Divorced husband or wife back you reach him via: dromokpo@gmail.com
ANONIM a comentat OUG 114 2021
    Într-un cuvânt, wow!! Nu pot să cred că banii sunt deja în contul meu. Multumesc, multumesc, multumesc! De obicei, ați transformat o sarcină lungă, consumatoare de timp și intimidantă într-o experiență foarte plăcută și simplificată. Nu pot să vă mulțumesc vouă și doamnei Della Taylor pentru suficientă asistentă. Dna Della Taylor Împrumuturi pentru un sistem excelent și pentru un serviciu excelent. Ambele sunt grozave! dacă aveți nevoie de un împrumut de urgență, îi puteți e-mail la Dellastaylors@yahoo.com WhatsApp pe +1 (209) 251-1529
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