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CIRCULARA Nr

CIRCULARA   Nr. 14 din 27 martie 1997

pentru inlocuirea anexei nr. 3 la Circulara Bancii Nationale a Romaniei nr. 10/1997 privind unele reglementari referitoare la determinarea fondurilor proprii de catre societatile bancare

ACT EMIS DE: BANCA NATIONALA A ROMANIEI

ACT PUBLICAT IN: MONITORUL OFICIAL  NR. 52 din 28 martie 1997


SmartCity3


    In temeiul art. 15 din Legea nr. 33/1991 privind activitatea bancara si al art. 26 din Legea nr. 34/1991 privind Statutul Bancii Nationale a Romaniei, se stabilesc urmatoarele reglementari:

    Art. 1
    Anexa nr. 3 la Circulara Bancii Nationale a Romaniei nr. 10/1997 privind unele reglementari referitoare la determinarea fondurilor proprii de catre societatile bancare, publicata in Monitorul Oficial al Romaniei, Partea I, nr. 49 din 21 martie 1997, se inlocuieste cu anexa la prezenta circulara.
    Art. 2
    Prezenta circulara intra in vigoare incepand cu data de 21 martie 1997.

             p. GUVERNATORUL BANCII NATIONALE A ROMANIEI,
                          CORNELIU CROITORU,
                            viceguvernator

    ANEXA 1

    II. STRUCTURA ACTIVELOR DIN BILANT, PONDERATE IN FUNCTIE DE RISC
                                                       - mii lei -
 ---------------------------------------------------------------------
|                              | Nr.  | Valoare   | Pondere | Valoare |
|   Elemente luate in calcul   | rand | contabila | de risc |ponderata|
|                              |      |           |  - % -  |[col. 3 =|
|                              |      |           |         | (1x2)/  |
|                              |      |           |         |  /100]  |
|---------------------------------------------------------------------|
|             a                |  b   |    1      |   2     |    3    |
|---------------------------------------------------------------------|
|Numerar si disponibil la      |      |           |         |         |
|Banca Nationala a             |      |           |         |         |
|Romaniei (rd. 1 = rd. 2 +     |      |           |         |         |
| rd. 3)                       |  1   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
| Casa de lei si de valuta     |  2   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Disponibil la Banca Nationala |      |           |         |         |
| a Romaniei                   |  3   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
| Titluri de valoare emise de: |      |           |         |         |
|(rd. 4 = rd. 5 la rd. 8)      |  4   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratia publica         |      |           |         |         |
| centrala de specialitate a   |      |           |         |         |
|statului roman                |  5   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratia centrala a      |      |           |         |         |
|tarilor din categoria A       |  6   |           |    0%   |         | |------------------------------|------|-----------|---------|---------|
|Bancile centrale din tarile   |      |           |         |         |
|din categoria A               |  7   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Institutii financiare         |      |           |         |         |
| internationale               |  8   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Credite si avansuri acordate  |      |           |         |         |
|(sau garantate de acestea):   |      |           |         |         |
|(rd. 9 = rd. 10 la rd. 14     |  9   |           |   0%    |         |
|------------------------------|------|-----------|---------|---------|
|Administratiei publice        |      |           |         |         |
|centrale de specialitate a    |      |           |         |         |
|statului roman                | 10   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratiei centrale a     |      |           |         |         |
|tarilor din categoria A       | 11   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancii Nationale a Romaniei   | 12   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancilor centrale din tarile  |      |           |         |         |
|din categoria A               | 13   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Institutiilor financiare      |      |           |         |         |
| internationale               | 14   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Alte creante asupra:          |      |           |         |         |
|(rd. 15 = rd. 16 la rd. 20    | 15   |           |    0%   |         | |------------------------------|------|-----------|---------|---------|
|Administratiei publice        |      |           |         |         |
|centrale de specialitate a    |      |           |         |         |
|statului roman                | 16   |           |    0%   |         | |------------------------------|------|-----------|---------|---------|
|Administratiei centrale a     |      |           |         |         |
|tarilor din categoria A       | 17   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancii Nationale a Romaniei   | 18   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancilor centrale din tarile  |      |           |         |         |
|din categoria A               | 19   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Institutiilor financiare      |      |           |         |         |
| internationale               | 20   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Elemente deductibile din      |      |           |         |         |
|capital:                      |      |           |         |         |
|(rd. 21 = rd. 22 la rd. 26)   | 21   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Valoarea neamortizata a       |      |           |         |         |
| imobilizarilor necorporale   | 22   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Cheltuieli inregistrate in    |      |           |         |         |
| avans                        | 23   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Sume ce depasesc fondul de    |      |           |         |         |
|dezvoltare existent, aferente |      |           |         |         |
|imobilizarilor corporale in   |      |           |         |         |
|curs, materialelor pentru     |      |           |         |         |
|investitii, stocurilor pentru |      |           |         |         |
|investitii si debitorilor     |      |           |         |         |
|pentru investitii (inscrise   |      |           |         |         |
|la rd. 25 din macheta cu      |      |           |         |         |
|calculul fondurilor proprii)  | 24   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Imprumuturi subordonate,      |      |           |         |         |
|acordate altor societati      |      |           |         |         |
|bancare                       | 25   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Participatii la capitalul     |      |           |         |         |
|altor societati bancare       | 26   |           |    0%   |         |
|------------------------------|------|-----------|---------|---------|
|Cecuri, cupoane si alte       |      |           |         |         |
| elemente in curs de incasare | 27   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Titluri de valoare emise de:  |      |           |         |         |
|(rd. 28 = rd. 29 la rd. 32    | 28   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Societati bancare romanesti   | 29   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Banci din tarile din          |      |           |         |         |
|categoria A                   | 30   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratia locala din      |      |           |         |         |
|Romania                       | 31   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratia locala din      |      |           |         |         |
|tarile din categoria A        | 32   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Credite si avansuri acordate  |      |           |         |         |
|(sau garantate de acestea):   |      |           |         |         |
|(rd. 33 = rd. 34 la rd. 40    | 33   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Societatilor bancare romanesti| 34   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancilor din tarile din       |      |           |         |         |
|categoria A                   | 35   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancilor din tarile din       |      |           |         |         |
|categoria B, cu scadenta de   |      |           |         |         |
| maximum un an                | 36   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratiei locale din     |      |           |         |         |
|Romania                       | 37   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratiei locale din     |      |           |         |         |
|tarile din categoria A        | 38   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Organismelor guvernamentale   |      |           |         |         |
|din Romania                   | 39   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Organismelor guvernamentale   |      |           |         |         |
|din tarile din categoria A    | 40   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Disponibilitati si depozite   |      |           |         |         |
|la: (rd. 41 = rd. 42 la       |      |           |         |         |
|rd. 44)                       | 41   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Societati bancare romanesti   | 42   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Banci din tarile din          |      |           |         |         |
|categoria A                   | 43   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Banci din tarile din          |      |           |         |         |
|categoria B,                  |      |           |         |         |
|pe termen de maximum un an    | 44   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Alte creante asupra: (rd. 45 =|      |           |         |         |
| = rd. 46 la rd. 52)          | 45   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Societatilor bancare romanesti| 46   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancilor din tarile din       |      |           |         |         |
|categoria A                   | 47   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Bancilor din tarile din       |      |           |         |         |
|categoria B, cu scadenta de   |      |           |         |         |
|maximum un an                 | 48   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratiei locale din     |      |           |         |         |
|Romania                       | 49   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Administratiei locale din     |      |           |         |         |
|tarile din categoria A        | 50   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Organismelor guvernamentale   |      |           |         |         |
|din Romania                   | 51   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Organismelor guvernamentale   |      |           |         |         |
|din tarile din categoria A    | 52   |           |   20%   |         |
|------------------------------|------|-----------|---------|---------|
|Credite si avansuri acordate  |      |           |         |         |
|clientilor, garantate cu      |      |           |         |         |
|ipoteci asupra locuintelor    | 53   |           |   50%   |         |
|------------------------------|------|-----------|---------|---------|
|Terenuri si cladiri ocupate   |      |           |         |         |
|de banca pentru scopurile     |      |           |         |         |
|activitatii sale              | 54   |           |   50%   |         |
|------------------------------|------|-----------|---------|---------|
|Alte titluri de valoare       | 55   |           |  100%   |         |
|------------------------------|------|-----------|---------|---------|
|Alte credite si avansuri      |      |           |         |         |
|acordate                      | 56   |           |  100%   |         |
|------------------------------|------|-----------|---------|---------|
|Participatii de capital la    |      |           |         |         |
|institutii financiare si la   |      |           |         |         |
|alte entitati nebancare       | 57   |           |  100%   |         |
|------------------------------|------|-----------|---------|---------|
|Alte imobilizari corporale,   |      |           |         |         |
|inclusiv sumele aferente      |      |           |         |         |
|imobilizarilor corporale in   |      |           |         |         |
|curs, care nu au fost incluse |      |           |         |         |
|la rd. 24                     | 58   |           |  100%   |         |
|------------------------------|------|-----------|---------|---------|
|Alte active, inclusiv sumele  |      |           |         |         |
|aferente materialelor pentru  |      |           |         |         |
|investitii, stocurilor pentru |      |           |         |         |
|investitii si debitorilor     |      |           |         |         |
|pentru investitii, care nu au |      |           |         |         |
|fost incluse la rd. 24        | 59   |           |  100%   |         |
|------------------------------|------|-----------|---------|---------|
| TOTAL ACTIVE DIN BILANT      |      |           |         |         |
| (rd. 60 = rd. 1 + rd. 4 +    |      |           |         |         |
| rd. 9 + rd. 15 + rd. 21 +    |      |           |         |         |
| rd. 27 + rd. 28 + rd. 33 +   |      |           |         |         |
| rd. 41 + rd. 45 + rd. 53 la  |      |           |         |         |
| rd. 59)                      | 60   |           |    x    |         |
|------------------------------|------|-----------|---------|---------|
| Pozitia valutara totala      |      |           |         |         |
| scurta                       | 61   |           |   50%   |         |
|------------------------------|------|-----------|---------|---------|
| TOTAL ELEMENTE (rd. 62 =     |      |           |         |         |
| = rd. 60 + rd. 61)           | 62   |           |    x    |         |
 ---------------------------------------------------------------------

   III. CONVERSIA ELEMENTELOR IN AFARA BILANTULUI, IN ECHIVALENT CREDIT
                                                          - mii lei -
 ---------------------------------------------------------------------
|                          | Nr.  | Valoare   | Factor de |Echivalent |
| Elemente luate in calcul | rand | contabila | conversie |  credit   |
|                          |      |           |           | (col. 3 = |
|                          |      |           |           | 1 x 2 )   |
|---------------------------------------------------------------------|
|           a              |  b   |     1     |    2      |    3      |
|--------------------------|------|-----------|-----------|-----------|
|Cambii si alte efecte de  |      |           |           |           |
|comert, acceptate la plata|      |           |           |           |
|de catre societatea       |      |           |           |           |
|bancara si care nu sunt   |      |           |           |           |
|avalizate de alte banci   |  1   |           |     1     |           |
|--------------------------|------|-----------|-----------|-----------|
|Garantii irevocabile de   |      |           |           |           |
|plata, emise de catre     |      |           |           |           |
|societatea bancara        |  2   |           |     1     |           |
|--------------------------|------|-----------|-----------|-----------|
|Garantii irevocabile de   |      |           |           |           |
|plata, emise de catre     |      |           |           |           |
|societatea bancara, altele|      |           |           |           |
|decat cele de plata       |  3   |           |    0,5    |           |
|--------------------------|------|-----------|-----------|-----------|
|Angajamente irevocabile   |      |           |           |           |
|ale societatii bancare de |      |           |           |           |
|acordare de credite       |  4   |           |    0,5    |           |
|--------------------------|------|-----------|-----------|-----------|
|Acreditive deschise si    |      |           |           |           |
|confirmate de catre       |      |           |           |           |
|societatea bancara,       |      |           |           |           |
|negarantate cu bunurile   |      |           |           |           |
|care fac obiectul         |      |           |           |           |
|tranzactiei               |  5   |           |    0,5    |           |
|--------------------------|------|-----------|-----------|-----------|
|Acreditive deschise si    |      |           |           |           |
|confirmate de catre       |      |           |           |           |
|societatea bancara,       |      |           |           |           |
|garantate cu bunurile care|      |           |           |           |
|fac obiectul tranzactiei  |  6   |           |     0,2   |           | |--------------------------|------|-----------|-----------|-----------|
|Cambii si alte efecte de  |      |           |           |           |
|comert, acceptate la plata|      |           |           |           |
|de catre societatea       |      |           |           |           |
|bancara si care sunt      |      |           |           |           |
|avalizate de alte banci   |  7   |           |    0,2    |           |
|--------------------------|------|-----------|-----------|-----------|
|TOTAL DE CONTROL          |      |           |           |           |
|(rd. 8 = rd. 1 la rd. 7)  |  8   |           |    x      |           |
|__________________________|______|___________|___________|___________|

   IV. STRUCTURA ELEMENTELOR IN AFARA BILANTULUI, IN ECHIVALENT CREDIT,
             IN FUNCTIE DE BENEFICIARII ACESTOR FACILITATI

                                                       - mii lei -
-----------------------------------------------------------------------
|                              | Nr.  |Echivalent | Pondere | Valoare |
| Categorii de beneficiari     | rand |   credit  | de risc |ponderata|
|                              |      |           |  - % -  |[col. 3 =|
|                              |      |           |         | (1x2)/  |
|                              |      |           |         |  /100]  |
|---------------------------------------------------------------------|
|             a                |  b   |    1      |   2     |    3    |
|---------------------------------------------------------------------|
|Administratia publica         |      |           |         |         |
|centrala de specialitate a    |      |           |         |         |
|statului roman                |   1  |           |    0%   |         |
|---------------------------------------------------------------------|
|Administratia centrala a      |      |           |         |         |
|tarilor din categoria A       |  2   |           |    0%   |         | |---------------------------------------------------------------------|
|Banca Nationala a Romaniei    |  3   |           |    0%   |         |
|---------------------------------------------------------------------|
|Bancile centrale din tarile   |      |           |         |         |
|din categoria A               |   4  |           |    0%   |         |
|---------------------------------------------------------------------|
|Institutii financiare         |      |           |         |         |
|internationale                |   5  |           |    0%   |         |
|---------------------------------------------------------------------|
|Societatile bancare romanesti |   6  |           |   20%   |         |
|---------------------------------------------------------------------|
|Bancile din tarile din        |      |           |         |         |
|categoria A                   |   7  |           |   20%   |         |
|---------------------------------------------------------------------|
|Bancile din tarile din        |      |           |         |         |
|categoria B, cu scadenta de   |      |           |         |         |
|maximum un an                 |   8  |           |   20%   |         |
|---------------------------------------------------------------------|
|Administratia locala din      |      |           |         |         |
|Romania                       |   9  |           |   20%   |         |
|---------------------------------------------------------------------|
|Administratiile locale din    |      |           |         |         |
|tarile din categoria A        |  10  |           |    20%  |         | |---------------------------------------------------------------------|
|Organismele guvernamentale    |      |           |         |         |
|din Romania                   |  11  |           |    20%  |         |
|---------------------------------------------------------------------|
|Organismele guvernamentale    |      |           |         |         |
|din tarile din categoria A    |  12  |           |    20%  |         |
|---------------------------------------------------------------------|
|Alte categorii de beneficiari |  13  |           |   100%  |         |
|---------------------------------------------------------------------|
|TOTAL ELEMENTE IN AFARA       |      |           |         |         |
|BILANTULUI                    |      |           |         |         |
|(rd. 14 = rd. 1 la rd. 13)    |  14  |           |    x    |         |
|_____________________________________________________________________|

    V. CALCULAREA RAPORTULUI DE SOLVABILITATE
                                                            - mii -
 _____________________________________________________________________
|Total fonduri proprii (Calculul fondurilor proprii, |       |        |
|col. 3 rd. 41)                                      |   1   |        |
|---------------------------------------------------------------------|
|Total elemente din bilant, ponderate in functie de  |       |        |
|risc (formularul II, col. 3 rd. 62)                 |   2   |        |
|---------------------------------------------------------------------|
|Total elemente in afara bilantului, ponderate in    |       |        |
|functie de risc (formularul IV col. 3 rd. 14)       |   3   |        |
|---------------------------------------------------------------------|
|RAPORT DE SOLVABILITATE (IN PROCENTE)               |       |        |
|[rd. 4 = rd. 1 x 100/(rd. 2 + rd. 3)]               |    4  |        |
|---------------------------------------------------------------------|

      Conducatorul unitatii,        Conducatorul compartimentului
    ..........................            financiar-contabil,
    (nume, prenume, semnatura)       ............................
                                      (nume, prenume, semnatura)
SmartCity5

COMENTARII la Circulara 14/1997
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ANONIM a comentat Decretul 139 2005
    HIRE A GENUINE HACKER TO RECOVER YOUR LOST FUNDS Hello everyone, The Cryptocurrency world is very volatile and a lot of individuals have lost their crypto assets to online scams . I was also a victim. Last October I was contacted by a broker who convinced me to invest in Crypto. I made an initial investment of € 875,000. I followed their instructions. For TWO months now I have been trying to contact them all day, but I got no response. God is so kind. I followed a broadcast that teaches on how these recovery experts called THE HACK ANGELS RECOVERY EXPERT. Help individuals recover their lost funds back. I contacted the email provided for consultation, to help me recover my funds. I contacted them. These cryptocurrency recovery experts saved my life by helping me recover all my losses in just nine hours. I provided necessary requirements and relative information to complete the successful recovery of my crypto funds. I was filled with joy asI got my everything back. I really can't tell how happy I am. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back, you can contact them today through their hotline at: WhatsApp +1(520)200-2320) (support@thehackangels.com). (www.thehackangels.com) If you're in London, you can even visit them in person at their office located at 45-46 Red Lion Street, London WC1R 4PF, UK. They’re super helpful and really know their stuff! Don’t hesitate to reach out if you need help.
ANONIM a comentat Decretul 139 2005
    HIRE A GENUINE HACKER TO RECOVER YOUR LOST FUNDS Hello everyone, The Cryptocurrency world is very volatile and a lot of individuals have lost their crypto assets to online scams . I was also a victim. Last October I was contacted by a broker who convinced me to invest in Crypto. I made an initial investment of € 875,000. I followed their instructions. For TWO months now I have been trying to contact them all day, but I got no response. God is so kind. I followed a broadcast that teaches on how these recovery experts called THE HACK ANGELS RECOVERY EXPERT. Help individuals recover their lost funds back. I contacted the email provided for consultation, to help me recover my funds. I contacted them. These cryptocurrency recovery experts saved my life by helping me recover all my losses in just nine hours. I provided necessary requirements and relative information to complete the successful recovery of my crypto funds. I was filled with joy asI got my everything back. I really can't tell how happy I am. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back, you can contact them today through their hotline at: WhatsApp +1(520)200-2320) (support@thehackangels.com). (www.thehackangels.com) If you're in London, you can even visit them in person at their office located at 45-46 Red Lion Street, London WC1R 4PF, UK. They’re super helpful and really know their stuff! Don’t hesitate to reach out if you need help.
ANONIM a comentat Raport 1937 2021
    Obțineți creditul în 24 de ore În calitate de client al LOPEZ GROUP FINANZAS, vă recomand pentru toate nevoile dumneavoastră de finanțare la cota de 2%. Pentru cei dintre voi care au nevoie de un împrumut, nu ezitați să o contactați ca mine și veți fi mulțumiți: lopezfinanzas95@gmail.com
ANONIM a comentat Raport 1937 2021
    Obțineți creditul în 24 de ore În calitate de client al LOPEZ GROUP FINANZAS, vă recomand pentru toate nevoile dumneavoastră de finanțare la cota de 2%. Pentru cei dintre voi care au nevoie de un împrumut, nu ezitați să o contactați ca mine și veți fi mulțumiți: lopezfinanzas95@gmail.com
ANONIM a comentat Raport 1937 2021
    Obțineți creditul în 24 de ore În calitate de client al LOPEZ GROUP FINANZAS, vă recomand pentru toate nevoile dumneavoastră de finanțare la cota de 2%. Pentru cei dintre voi care au nevoie de un împrumut, nu ezitați să o contactați ca mine și veți fi mulțumiți: lopezfinanzas95@gmail.com
ANONIM a comentat Raport 1937 2021
    Obțineți creditul în 24 de ore În calitate de client al LOPEZ GROUP FINANZAS, vă recomand pentru toate nevoile dumneavoastră de finanțare la cota de 2%. Pentru cei dintre voi care au nevoie de un împrumut, nu ezitați să o contactați ca mine și veți fi mulțumiți: lopezfinanzas95@gmail.com
ANONIM a comentat Raport 1937 2021
    Obțineți creditul în 24 de ore În calitate de client al LOPEZ GROUP FINANZAS, vă recomand pentru toate nevoile dumneavoastră de finanțare la cota de 2%. Pentru cei dintre voi care au nevoie de un împrumut, nu ezitați să o contactați ca mine și veți fi mulțumiți: lopezfinanzas95@gmail.com
ANONIM a comentat Raport 1937 2021
    Obțineți creditul în 24 de ore În calitate de client al LOPEZ GROUP FINANZAS, vă recomand pentru toate nevoile dumneavoastră de finanțare la cota de 2%. Pentru cei dintre voi care au nevoie de un împrumut, nu ezitați să o contactați ca mine și veți fi mulțumiți: lopezfinanzas95@gmail.com
ANONIM a comentat Raport 1937 2021
    Obțineți creditul în 24 de ore În calitate de client al LOPEZ GROUP FINANZAS, vă recomand pentru toate nevoile dumneavoastră de finanțare la cota de 2%. Pentru cei dintre voi care au nevoie de un împrumut, nu ezitați să o contactați ca mine și veți fi mulțumiți: lopezfinanzas95@gmail.com
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