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ORDIN Nr

ORDIN   Nr. 3 din 13 februarie 2004

pentru modificarea si completarea anexei la Ordinul guvernatorului Bancii Nationale a Romaniei nr. 2/2003 privind aprobarea Modelelor situatiilor financiare periodice si a normelor metodologice privind intocmirea si utilizarea acestora pentru institutiile de credit care aplica Reglementarile contabile armonizate cu Directiva Comunitatilor Economice Europene nr. 86/635/CEE si cu Standardele Internationale de Contabilitate aplicabile institutiilor de credit, aprobate prin Ordinul ministrului finantelor publice si al guvernatorului Bancii Nationale a Romaniei nr. 1.982/5/2001

ACT EMIS DE: BANCA NATIONALA A ROMANIEI

ACT PUBLICAT IN: MONITORUL OFICIAL  NR. 184 din  3 martie 2004


SmartCity3


    Avand in vedere prevederile art. 58 din Legea nr. 58/1998 privind activitatea bancara, cu modificarile si completarile ulterioare, ale art. 5 din Ordinul guvernatorului Bancii Nationale a Romaniei nr. 2/2003 privind aprobarea Modelelor situatiilor financiare periodice si a normelor metodologice privind intocmirea si utilizarea acestora pentru institutiile de credit care aplica Reglementarile contabile armonizate cu Directiva Comunitatilor Economice Europene nr. 86/635/CEE si cu Standardele Internationale de Contabilitate aplicabile institutiilor de credit, aprobate prin Ordinul ministrului finantelor publice si al guvernatorului Bancii Nationale a Romaniei nr. 1.982/5/2001,
    in temeiul prevederilor art. 50 din Legea nr. 101/1998 privind Statutul Bancii Nationale a Romaniei, cu modificarile si completarile ulterioare,

    Banca Nationala a Romaniei emite urmatorul ordin:

    Art. 1
    Modelele situatiilor financiare periodice si normele metodologice privind intocmirea si utilizarea acestora pentru institutiile de credit care aplica Reglementarile contabile armonizate cu Directiva Comunitatilor Economice Europene nr. 86/635/CEE si cu Standardele Internationale de Contabilitate aplicabile institutiilor de credit, aprobate prin Ordinul ministrului finantelor publice si al guvernatorului Bancii Nationale a Romaniei nr. 1.982/5/2001, denumite in continuare Modelele situatiilor financiare periodice pentru institutiile de credit, prevazute in anexa la Ordinul guvernatorului Bancii Nationale a Romaniei nr. 2/2003, publicate in Monitorul Oficial al Romaniei, Partea I, nr. 228 bis din 4 aprilie 2003, se modifica si se completeaza potrivit prevederilor cuprinse in anexele nr. 1 - 5*) care fac parte integranta din prezentul ordin.
------------
    *) Anexele nr. 1 - 5 sunt reproduse in facsimil.

    Art. 2
    Prevederile prezentului ordin intra in vigoare incepand cu situatiile financiare periodice ale anului 2004.
    Art. 3
    Nerespectarea prevederilor prezentului ordin atrage aplicarea sanctiunilor si/sau a masurilor prevazute la art. 69 si, respectiv, la art. 70 din Legea nr. 58/1998 privind activitatea bancara, cu modificarile si completarile ulterioare.

                   Guvernatorul Bancii Nationale a Romaniei,
                              Mugur Isarescu

    ANEXA 1

    Prevederi referitoare la modificarea si completarea Modelelor situatiilor financiare periodice pentru institutiile de credit

    Modelele situatiilor financiare periodice pentru institutiile de credit se modifica si se completeaza dupa cum urmeaza:

    1. Pct. 1.7 lit. a), liniuta a doua, din cadrul capitolului II al Modelelor situatiilor financiare periodice pentru institutiile de credit, va avea urmatorul cuprins:
    "- datele referitoare la incadrarea in forma de organizare (forma de proprietate - potrivit capitolului VII - Nomenclator - forme de proprietate, activitatea preponderenta, cod grupa CAEN)"
    Dupa capitolului VI - Criterii minimale privind programele informatice utilizate in domeniul financiar-contabil se introduce capitolul VII al carui cuprins este cel prevazut in anexa nr. 2.

    2. Concordantele intre Planul de conturi pentru institutiile de credit si pozitiile L01 "Capitaluri proprii, asimilate si provizioane", L05 "Subventii si fonduri publice alocate" si L06 "Subventii pentru investitii", prevazute la capitolul IV din Modelele situatiilor financiare periodice pentru institutiile de credit se modifica astfel:

  COD                    CORELATIA CU PLANUL DE CONTURI               SITUATIILE
POZITIE                                                               LA CARE SE
                                                                      REFERA

  L01   CAPITALURI PROPRII, ASIMILATE SI PROVIZIOANE                      4000
        501+502+511+512+513+514+515+516+518+519+531+532+537+541+542+
        +55+/-581+/-591-592
  L05   SUBVENTII SI FONDURI PUBLICE ALOCATE                              4000
        541+542
  L06   SUBVENTII PENTRU INVESTITII                                       4021
        541

    3. Denumirea pozitiei L60 din cadrul situatiei mod. 4000 - Situatia patrimoniului, prevazuta la capitolul III din Modelele situatiilor financiare periodice pentru institutiile de credit, se modifica si este "Rezerve pentru riscuri bancare".
    In cadrul situatiei mod. 4021 - Capitaluri proprii, asimilate si provizioane se introduce urmatoarea pozitie:

  COD                    CORELATIA CU PLANUL DE CONTURI               SITUATIILE
POZITIE                                                               LA CARE SE
                                                                      REFERA

 L133   REZERVA REPREZENTAND FONDUL PENTRU RISCURI BANCARE GENERALE   4021
        5143

    4. Urmare modificarilor de la pct. 3, modelele situatiilor mod. 4000 - Situatia patrimoniului, Fila 02 si mod. 4021 - Capitaluri proprii, asimilate si provizioane, prevazute la capitolul III din Modelele situatiilor financiare periodice pentru institutiile de credit, se modifica si sunt cele prezentate in anexele nr. 3 si, respectiv, 4.
    In cadrul controlului situatiei - mod. 4021 - prevazut la pct. 3 al capitolului V din Modelele situatiilor financiare periodice pentru institutiile de credit, corelatia intre pozitia L60 din cadrul situatiei - mod. 4000 - si pozitiile corespunzatoare din situatia - mod. 4021 se modifica si este urmatoarea:
     _____________________________________________________
    |    - mod. 4021 -    | Relatia |    - mod. 4000 -    |
    |_____________________|_________|_____________________|
    | Fila 01 - coloana 1 |         | Fila 02 - coloana 5 |
    | L112 + L113 + L133  |     =   | L60                 |
    |_____________________|_________|_____________________|

    5. Continutul Coloanei 1 din modelul situatiei mod. 4020 - Portofoliul de titluri, prevazut la capitolul III din Modelele situatiilor financiare periodice pentru institutiile de credit, se modifica astfel:
    "Coloana 1 <<Valoare bruta contabila>> inregistreaza:
    - valoarea de piata - in cazul titlurilor clasificate in categoria activelor financiare detinute in scopul tranzactionarii (titlurile de tranzactie);
    - costul de achizitie mai putin valoarea creantelor din dobanzi reprezentand cuponul scurs pana la data achizitiei - in cazul titlurilor cu venit fix clasificate in categoria activelor financiare disponibile pentru vanzare (titluri de plasament cu venit fix);
    - costul de achizitie amortizat (costul de achizitie inclusiv/exclusiv valoarea amortizata din diferenta negativa/pozitiva intre costul de achizitie si valoarea de rambursare) mai putin valoarea creantelor din dobanzi reprezentand cuponul scurs pana la data achizitiei - in cazul titlurilor cu venit fix clasificate in categoria plasamentelor detinute pana la scadenta (titluri de investitii);
    - costul de achizitie - in cazul titlurilor cu venit variabil clasificate in categoria activelor financiare disponibile pentru vanzare (titluri de plasament cu venit variabil) si a titlurilor cu venit variabil care au caracter de imobilizari financiare."

    6. Modelul situatiei mod. 4032 - Situatia activelor imobilizate, prevazut la capitolul III din Modelele situatiilor financiare periodice pentru institutiile de credit, se modifica si se completeaza si este cel prevazut in anexa nr. 5.
    Continutul Filei 1 din modelul situatiei mod. 4032 - Situatia activelor imobilizate, se modifica astfel:
    "Fila 1
    Prezinta situatia activelor imobilizate la valoarea bruta (costul istoric sau valoarea reevaluata a imobilizarilor, dupa caz).
    Linii
    Liniile reprezinta valoarea bruta a elementelor de imobilizari necorporale, corporale, imobilizari in curs si imobilizari financiare (costul istoric sau valoarea reevaluata a imobilizarilor, dupa caz).
    Coloane
    Coloanele reprezinta:
    - valoarea imobilizarilor existente la inceputul anului, reflectata de soldurile debitoare la inceputul anului ale conturilor de imobilizari;
    - valoarea totala a cresterilor de imobilizari in cursul anului, reflectata de rulajele debitoare ale conturilor de imobilizari;
    - valoarea totala a descresterilor de imobilizari in cursul anului, reflectata de rulajele creditoare ale conturilor de imobilizari;
    - existentul imobilizarilor la sfarsitul anului."

    7. In cadrul controlului situatiei mod. 4080 - Contul de profit si pierderi, prevazut la pct. 9 al capitolului V din Modelele situatiilor financiare periodice pentru institutiile de credit, corelatiile aferente pozitiilor Z95 si V95 se modifica si sunt urmatoarele:
    Z95 = Z133 - V166 - V92 daca Z133 - V166 - V92 >/= 0
    V95 = V166 + V92 - Z133 daca Z133 - V166 - V92 < 0

    8. Pct. 2 lit. m) din cadrul capitolului VI - Criterii minimale privind programele informatice utilizate in domeniul financiar-contabil al Modelelor situatiilor financiare periodice pentru institutiile de credit, va avea urmatorul cuprins:
    "m) sa asigure respectarea continutului de informatii prevazut in machetele formularelor elaborate de Banca Nationala a Romaniei, Ministerul Finantelor Publice si alte institutii abilitate sa solicite informatii institutiilor de credit, in cazul editarii acestora cu ajutorul tehnicii de calcul;"

    ANEXA 2

    CAP. 7
    NOMENCLATOR - FORME DE PROPRIETATE

________________________________________________________________________________
CODUL                                    DENUMIREA
________________________________________________________________________________

 10   PROPRIETATE DE STAT
 11   Regii autonome
 12   Societati comerciale cu capital integral de stat
 13   Alte unitati economice de stat netransformate in societati comerciale sau
      regii autonome
 14   Companii si societati nationale

 20   PROPRIETATE MIXTA (cu capital de stat si privat)

      PROPRIETATE MIXTA (cu capital de stat - sub 50%)
 21   Societati comerciale cu capital de stat autohton si de stat strain
 22   Societati comerciale cu capital de stat si privat autohton si strain
 23   Societati comerciale cu capital de stat si privat autohton
 24   Societati comerciale cu capital de stat si privat strain

      PROPRIETATE MIXTA (cu capital de stat - 50% si peste 50%)
 25   Societati comerciale cu capital de stat autohton si de stat strain
 26   Societati comerciale cu capital de stat si privat autohton si strain
 27   Societati comerciale cu capital de stat si privat autohton
 28   Societati comerciale cu capital de stat si privat strain

 30   PROPRIETATE INDIVIDUALA - PRIVATA
      (cu capital: privat autohton, privat autohton si strain, privat strain,
      societati agricole)

 31   Societati comerciale in nume colectiv
 32   Societati comerciale in comandita simpla
 33   Societati comerciale in comandita pe actiuni
 34   Societati comerciale pe actiuni
 35   Societati comerciale cu raspundere limitata
 36   Societati agricole
 37   Societati comerciale cu capital de stat, privatizate in cursul anului de
      raportare

 40   PROPRIETATE COOPERATISTA

 41   Cooperative de consum
 42   Cooperative mestesugaresti
 43   Cooperative si asociatii agricole netransformate
 44   Cooperative de credit

 50   PROPRIETATE OBSTEASCA
      (societati comerciale apartinand organizatiilor si institutiilor politice
      si obstesti)

    ANEXA 3

                       SITUATIA PATRIMONIULUI - mod. 4000 -
                                                      ___
DENUMIREA INSTITUTIEI DE CREDIT: .................   | N | National    [   ]
                                                     |___|
                                                     | S | Strainatate [   ]
                                                _ _  |___|
                    Cod institutie             |0|2| | G | Global      [ 3 ] TM
Data: |_,_|_,_|_,_| de credit:     |_,_,_,_,_| |_|_| |___|

    Semnificatia coloanelor din tabelul de mai jos este urmatoarea:
    R - Rezidenti
    N - Nerezidenti
 ___________
| mod. 4000 |                                                       - mii lei -
|___________|__________________________________________________________________
|                                                |       |  Lei  |Devize |Total|
|                      PASIV                     |  Cod  |_______|_______|     |
|                                                |pozitie| R | N | R | N |     |
|________________________________________________|_______|___|___|___|___|_____|
|                      A                         |   B   | 1 | 2 | 3 | 4 |  5  |
|________________________________________________|_______|___|___|___|___|_____|
| OPERATIUNI DE TREZORERIE SI OPERATIUNI         |       |   |   |   |   |     |
| INTERBANCARE                                   | G01   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Imprumuturi de refinantare de la banci       |       |   |   |   |   |     |
|   centrale                                     | G20   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Conturi de corespondent ale institutiilor de |       |   |   |   |   |     |
|   credit (loro)                                | G25   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Depozite ale institutiilor de credit         | G101  |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Imprumuturi primite de la institutii de      |       |   |   |   |   |     |
|   credit                                       | G30   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Valori date in pensiune                      | G40   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Alte sume datorate                           | G49   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Datorii atasate                              | G90   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| OPERATIUNI CU CLIENTELA                        | H01   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Imprumuturi primite de la clientela          |       |   |   |   |   |     |
|   financiara                                   | H10   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Valori date in pensiune                      | H20   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Conturi curente creditoare                   | H40   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Conturi de factoring                         | H50   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Conturi de depozite                          | H7A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Certificate de depozit                       | H80   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Carnete si librete de economii               | H6A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Alte sume datorate                           | H90   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Datorii atasate                              | H98   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| OPERATIUNI CU TITLURI SI OPERATIUNI DIVERSE    | J0A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Titluri date in pensiune livrata             | J1A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Titluri de tranzactie                        | J5A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Titluri de piata interbancara                | J8G   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Titluri de creante negociabile               | J8J   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Obligatiuni                                  | J9A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Alte datorii constituite prin titluri        | J9K   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Conturi de decontare privind operatiunile cu |       |   |   |   |   |     |
|   titluri                                      | K6A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Varsaminte de efectuat privind titlurile     | K65   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Decontari intrabancare                       | K7A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Personal si conturi asimilate                | K101  |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Asigurari sociale, protectia sociala si      |       |   |   |   |   |     |
|   conturi asimilate                            | K102  |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Bugetul statului, fonduri speciale si conturi|       |   |   |   |   |     |
|   asimilate                                    | K103  |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Impozitul pe profit amanat                   | K105  |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Dividende de plata                           | K104  |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Creditori diversi                            | K7H   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Conturi de regularizare                      | K8A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Datorii atasate                              | K97   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
                                                      ___
DENUMIREA INSTITUTIEI DE CREDIT: .................   | N | National    [   ]
                                                     |___|
                                                     | S | Strainatate [   ]
                                                _ _  |___|
                    Cod institutie             |0|2| | G | Global      [ 3 ] TM
Data: |_,_|_,_|_,_| de credit:     |_,_,_,_,_| |_|_| |___|

    Semnificatia coloanelor din tabelul de mai jos este urmatoarea:
    R - Rezidenti
    N - Nerezidenti
 ___________
| mod. 4000 |                                                       - mii lei -
|___________|__________________________________________________________________
|                                                |       |  Lei  |Devize |Total|
|                      PASIV                     |  Cod  |_______|_______|     |
|                                                |pozitie| R | N | R | N |     |
|________________________________________________|_______|___|___|___|___|_____|
|                      A                         |   B   | 1 | 2 | 3 | 4 |  5  |
|________________________________________________|_______|___|___|___|___|_____|
| CAPITALURI PROPRII, ASIMILATE SI PROVIZIOANE   | L01   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Capital                                      | L9A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Prime de capital                             | L7A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Rezerve legale                               | L7H   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Rezerve statutare sau contractuale           | L7L   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Rezerve pentru riscuri bancare               | L60   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Rezerve pentru actiuni proprii               | L7M   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Rezerve din reevaluare                       | L7V   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Rezerve din conversie                        | L7W   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Alte rezerve                                 | L7Z   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Datorii subordonate                          | L5A   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Subventii si fonduri publice alocate         | L05   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Provizioane pentru riscuri si cheltuieli     | L10   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Datorii atasate                              | L9M   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Rezultatul reportat (+/-)(1)                 | L90   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Profit sau pierdere (+/-)(1)                 | L91   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| - Repartizarea profitului                      | L103  |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
| TOTAL                                          | L99   |   |   |   |   |     |
|________________________________________________|_______|___|___|___|___|_____|
    (1) Sumele negative trebuie sa fie precedate de semnul -.

                ADMINISTRATOR,                 CONDUCATORUL COMPARTIMENTULUI
     (CONDUCATORUL INSTITUTIEI DE CREDIT)           FINANCIAR-CONTABIL,
         Numele, prenumele, semnatura               Numele, prenumele si
      si stampila institutiei de credit                  semnatura

    ANEXA 4

         CAPITALURI PROPRII, ASIMILATE SI PROVIZIOANE - mod. 4021 -
                                                      ___
DENUMIREA INSTITUTIEI DE CREDIT: .................   | N | National*)  [   ]
                                                     |___|
                                                     |   |             [   ]
                                                _ _  |___|
                    Cod institutie             |0|1| | G | Global*)    [ 3 ] TM
Data: |_,_|_,_|_,_| de credit:     |_,_,_,_,_| |_|_| |___|

 ___________
| mod. 4021 |                                                       - mii lei -
|___________|__________________________________________________________________
|                                                               | Cod   | SUME |
|                                                               |pozitie|      |
|_______________________________________________________________|_______|______|
|                            A                                  |   B   |   1  |
|_______________________________________________________________|_______|______|
|                          ACTIV                                |       |      |
|_______________________________________________________________|_______|______|
| - Actiuni proprii                                             | E5W   |      |
|_______________________________________________________________|_______|______|
| - Actionari sau asociati                                      | L0C   |      |
|_______________________________________________________________|_______|______|
|                          PASIV                                |       |      |
|_______________________________________________________________|_______|______|
| CAPITAL                                                       | -     |      |
|_______________________________________________________________|_______|______|
| - Capital subscris nevarsat                                   | L9B   |      |
|_______________________________________________________________|_______|______|
| - Capital subscris varsat                                     | L9C   |      |
|_______________________________________________________________|_______|______|
| - Elemente asimilate capitalului                              | L9E   |      |
|_______________________________________________________________|_______|______|
| PRIME LEGATE DE CAPITAL SI REZERVE                            |       |      |
|_______________________________________________________________|_______|______|
| - Prime de capital                                            | -     |      |
|_______________________________________________________________|_______|______|
|   - prime de emisiune                                         | L7C   |      |
|_______________________________________________________________|_______|______|
|   - prime de fuziune                                          | L109  |      |
|_______________________________________________________________|_______|______|
|   - prime de aport                                            | L115  |      |
|_______________________________________________________________|_______|______|
|   - prime de sciziune                                         | L116  |      |
|_______________________________________________________________|_______|______|
|   - prime de conversie a obligatiunilor in actiuni            | L117  |      |
|_______________________________________________________________|_______|______|
|   - alte prime                                                | L7D   |      |
|_______________________________________________________________|_______|______|
| - Rezerve legale din profitul brut                            | L110  |      |
|_______________________________________________________________|_______|______|
| - Rezerve legale din profitul net                             | L111  |      |
|_______________________________________________________________|_______|______|
| - Rezerve statutare sau contractuale                          | L7L   |      |
|_______________________________________________________________|_______|______|
| - Rezerva generala pentru riscul de credit din profitul brut  | L112  |      |
|_______________________________________________________________|_______|______|
| - Rezerva generala pentru riscul de credit din profitul net   | L113  |      |
|_______________________________________________________________|_______|______|
| - Rezerva reprezentand fondul pentru riscuri bancare generale | L133  |      |
|_______________________________________________________________|_______|______|
| - Rezerve pentru actiuni proprii                              | L7M   |      |
|_______________________________________________________________|_______|______|
| - Rezerve din reevaluare                                      | L7V   |      |
|_______________________________________________________________|_______|______|
| - Rezerve din conversie                                       | L7W   |      |
|_______________________________________________________________|_______|______|
| - Alte rezerve                                                | L7Z   |      |
|_______________________________________________________________|_______|______|
| DATORII SUBORDONATE                                           |       |      |
|_______________________________________________________________|_______|______|
| - Datorii subordonate la termen                               | -     |      |
|_______________________________________________________________|_______|______|
|   - titluri subordonate la termen                             | L5C   |      |
|_______________________________________________________________|_______|______|
|   - imprumuturi participative                                 | L5F   |      |
|_______________________________________________________________|_______|______|
|   - alte imprumuturi subordonate la termen                    | L5H   |      |
|_______________________________________________________________|_______|______|
| - Datorii subordonate pe durata nedeterminata                 | -     |      |
|_______________________________________________________________|_______|______|
|   - titluri subordonate pe durata nedeterminata               | L5M   |      |
|_______________________________________________________________|_______|______|
|   - imprumuturi subordonate pe durata nedeterminata           | L5N   |      |
|_______________________________________________________________|_______|______|
| SUBVENTII SI FONDURI PUBLICE ALOCATE                          |       |      |
|_______________________________________________________________|_______|______|
| - Subventii pentru investitii                                 | L06   |      |
|_______________________________________________________________|_______|______|
| - Fonduri publice alocate                                     | L07   |      |
|_______________________________________________________________|_______|______|
| PROVIZIOANE PENTRU RISCURI SI CHELTUIELI                      |       |      |
|_______________________________________________________________|_______|______|
| - Provizioane pentru riscuri de executare a angajamentelor    |       |      |
|   prin semnatura                                              | L21   |      |
|_______________________________________________________________|_______|______|
| - Provizioane pentru facilitati acordate personalului         | L16   |      |
|_______________________________________________________________|_______|______|
| - Provizioane pentru riscuri de tara                          | L114  |      |
|_______________________________________________________________|_______|______|
| - Provizioane pentru restructurare                            | L118  |      |
|_______________________________________________________________|_______|______|
| - Provizioane pentru dezafectarea imobilizarilor corporale si |       |      |
|   alte actiuni similare legate de acestea                     | L119  |      |
|_______________________________________________________________|_______|______|
| - Alte provizioane pentru riscuri si cheltuieli               | L29   |      |
|_______________________________________________________________|_______|______|
    *) "G" - se completeaza de catre institutiile de credit persoane juridice romane.
       "N" - se completeaza de sucursalele din Romania ale institutiilor de credit straine.
                                                      ___
DENUMIREA INSTITUTIEI DE CREDIT: .................   | N | National    [   ]
                                                     |___|
                                                     |   |             [   ]
                                                _ _  |___|
                    Cod institutie             |0|1| | G | Global      [ 3 ] TM
Data: |_,_|_,_|_,_| de credit:     |_,_,_,_,_| |_|_| |___|

 ___________
| mod. 4021 |                                                       - mii lei -
|___________|__________________________________________________________________
|                                                               | Cod   | SUME |
|                                                               |pozitie|      |
|_______________________________________________________________|_______|______|
|                            A                                  |   B   |   1  |
|_______________________________________________________________|_______|______|
| REZULTATUL REPORTAT                                           |       |      |
|_______________________________________________________________|_______|______|
| - Rezultatul reportat reprezentand profitul nerepartizat,     |       |      |
|   respectiv pierderea nerecuperata (+/-)(1)                   | L120  |      |
|_______________________________________________________________|_______|______|
| - Rezultatul reportat provenit din adoptarea pentru prima     |       |      |
|   data a IAS, mai putin IAS 29 (+/-)(1)                       | L121  |      |
|_______________________________________________________________|_______|______|
| - Rezultatul reportat provenit din modificarile politicilor   |       |      |
|   contabile (+/-)(1)                                          | L122  |      |
|_______________________________________________________________|_______|______|
| - Rezultatul reportat provenit din corectarea erorilor        |       |      |
|   fundamentale (+/-)(1)                                       | L123  |      |
|_______________________________________________________________|_______|______|
| - Rezultatul reportat reprezentand surplusul realizat din     |       |      |
|   rezerve din reevaluare (+/-)(1)                             | L124  |      |
|_______________________________________________________________|_______|______|
| REZULTATUL EXERCITIULUI                                       |       |      |
|_______________________________________________________________|_______|______|
| - Profit sau pierdere (+/-)(1)                                | L91   |      |
|_______________________________________________________________|_______|______|
| REPARTIZAREA PROFITULUI                                       | L103  |      |
|_______________________________________________________________|_______|______|
    (1) Sumele negative trebuie sa fie precedate de semnul -.

                ADMINISTRATOR,                 CONDUCATORUL COMPARTIMENTULUI
     (CONDUCATORUL INSTITUTIEI DE CREDIT)            FINANCIAR-CONTABIL,
         Numele, prenumele, semnatura                Numele, prenumele si
      si stampila institutiei de credit                   semnatura

    ANEXA 5

                  SITUATIA ACTIVELOR IMOBILIZATE - mod. 4032 -

                                                      ___
DENUMIREA INSTITUTIEI DE CREDIT: .................   | N | National*)  [   ]
                                                     |___|
                                                     |   |             [   ]
                                                _ _  |___|
                    Cod institutie             |0|1| | G | Global*)    [ 3 ] TM
Data: |_,_|_,_|_,_| de credit:     |_,_,_,_,_| |_|_| |___|

    Semnificatia coloanelor din tabelul de mai jos este urmatoarea:
    I - Sold initial
    II - Cresteri
    III - Sold final (col. 5 = 1+2-3)
 ___________
| mod. 4032 |                                                      - mii lei -
|___________|__________________________________________________________________
|                                     |  Cod  |    |    |    Reduceri     |    |
|            VALOAREA BRUTA           |pozitie|    |    |_________________|    |
|    A ELEMENTELOR DE IMOBILIZARI     |       | I  | II |Total|din care:  | III|
|                                     |       |    |    |     |dezmembrari|    |
|                                     |       |    |    |     |si casari  |    |
|_____________________________________|_______|____|____|_____|___________|____|
|               A                     |   B   |1(1)|2(2)| 3(3)|    4(4)   |5(5)|
|_____________________________________|_______|____|____|_____|___________|____|
| IMOBILIZARI NECORPORALE             |       |    |    |     |           |    |
|  Fond comercial                     |  101  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
|  Cheltuieli de constituire          |  102  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
|  Alte imobilizari necorporale       |  103  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
|  Avansuri si imobilizari necorporale|       |    |    |     |           |    |
|  in curs                            |  104  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| TOTAL (poz. 101 la 104)             |  105  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| IMOBILIZARI CORPORALE               |       |    |    |     |           |    |
|  Terenuri                           |  106  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
|  Amenajari de terenuri              |  107  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Constructii                         |  108  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Echipamente tehnologice (masini,    |       |    |    |     |           |    |
| utilaje si instalatii de lucru)     |  109  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Aparate si instalatii de masurare,  |       |    |    |     |           |    |
| control si reglare                  |  110  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Mijloace de transport               |  111  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Animale si plantatii                |  112  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Mobilier, aparatura birotica,       |       |    |    |     |           |    |
| echipamente de protectie a valorilor|       |    |    |     |           |    |
| umane si materiale si alte active   |       |    |    |     |           |    |
| corporale                           |  113  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Avansuri si imobilizari corporale   |       |    |    |     |           |    |
| in curs                             |  114  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| TOTAL (poz. 106 la 114)             |  115  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
| IMOBILIZARI FINANCIARE              |       |    |    |     |           |    |
| Efecte publice si valori asimilate  |  116  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Obligatiuni si alte titluri cu      |       |    |    |     |           |    |
| venit fix                           |  117  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Parti in societatile comerciale     |       |    |    |     |           |    |
| legate                              |  118  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| Participatii si activitati de       |       |    |    |     |           |    |
| portofoliu                          |  119  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| TOTAL (rd. 116 la 119)              |  120  |    |    |     |     X     |    |
|_____________________________________|_______|____|____|_____|___________|____|
| ACTIVE IMOBILIZATE - TOTAL          |       |    |    |     |           |    |
| (rd. 105+115+120)                   |  121  |    |    |     |           |    |
|_____________________________________|_______|____|____|_____|___________|____|
    *) "G" - se completeaza de catre institutiile de credit persoane juridice romane.
       "N" - se completeaza de sucursalele din Romania ale institutiilor de credit straine.

                  SITUATIA ACTIVELOR IMOBILIZATE - mod. 4032 -
                                                      ___
DENUMIREA INSTITUTIEI DE CREDIT: .................   | N | National    [   ]
                                                     |___|
                                                     |   |             [   ]
                                                _ _  |___|
                    Cod institutie             |0|2| | G | Global      [ 3 ] TM
Data: |_,_|_,_|_,_| de credit:     |_,_,_,_,_| |_|_| |___|

 ___________
| mod. 4032 |                                                      - mii lei -
|___________|__________________________________________________________________
|                         |  Cod  | Sold  |Amortizare|  Amortizare  |Amortizare|
|   AMORTIZARI AFERENTE   |pozitie|initial| in cursul|   aferenta   |    la    |
|       ELEMENTELOR       |       |       |  anului  |imobilizarilor| sfarsitul|
|      DE IMOBILIZARI     |       |       |          |  scoase din  |  anului  |
|                         |       |       |          |   evidenta   |(col. 9 = |
|                         |       |       |          |              |  6+7-8)  |
|_________________________|_______|_______|__________|______________|__________|
|           A             |   B   |  6(1) |   7(2)   |      8(3)    |    9(4)  |
|_________________________|_______|_______|__________|______________|__________|
| IMOBILIZARI NECORPORALE |       |       |          |              |          |
|  Fond comercial         |  131  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
|  Cheltuieli de          |  132  |       |          |              |          |
|  constituire            |       |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
|  Alte imobilizari       |  133  |       |          |              |          |
|  necorporale            |       |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| TOTAL (poz. 131 la 133) |  134  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| IMOBILIZARI CORPORALE   |       |       |          |              |          |
|  Amenajari de terenuri  |  135  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| Constructii             |  136  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| Echipamente tehnologice |       |       |          |              |          |
| (masini, utilaje si     |       |       |          |              |          |
| instalatii de lucru)    |  137  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| Aparate si instalatii de|       |       |          |              |          |
| masurare, control si    |       |       |          |              |          |
| reglare                 |  138  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| Mijloace de transport   |  139  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| Animale si plantatii    |  140  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| Mobilier, aparatura     |       |       |          |              |          |
| birotica, echipamente de|       |       |          |              |          |
| protectie a valorilor   |       |       |          |              |          |
| umane si materiale si   |       |       |          |              |          |
| alte active corporale   |  141  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| TOTAL (poz. 135 la 141) |  142  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|
| AMORTIZARI - TOTAL      |       |       |          |              |          |
| (poz. 134 + 142)        |  143  |       |          |              |          |
|_________________________|_______|_______|__________|______________|__________|

                  SITUATIA ACTIVELOR IMOBILIZATE - mod. 4032 -
                                                      ___
DENUMIREA INSTITUTIEI DE CREDIT: .................   | N | National    [   ]
                                                     |___|
                                                     |   |             [   ]
                                                _ _  |___|
                    Cod institutie             |0|3| | G | Global      [ 3 ] TM
Data: |_,_|_,_|_,_| de credit:     |_,_,_,_,_| |_|_| |___|

 ___________
| mod. 4032 |                                                     - mii lei -
|___________|__________________________________________________________________
|                         |  Cod  | Sold  |Provizioane|Provizioane |Sold final |
|   PROVIZIOANE PENTRU    |pozitie|initial|constituite| reluate la |(col. 13 = |
| DEPRECIEREA ELEMENTELOR |       |       | in cursul |  venituri  | 10+11-12) |
|     DE IMOBILIZARI      |       |       |   anului  |            |           |
|_________________________|_______|_______|___________|____________|___________|
|           A             |   B   | 10(1) |   11(2)   |   12(3)    |    13(4)  |
|_________________________|_______|_______|___________|____________|___________|
| IMOBILIZARI NECORPORALE |       |       |           |            |           |
|  Fond comercial         |  151  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
|  Cheltuieli de          |  152  |       |           |            |           |
|  constituire            |       |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
|  Alte imobilizari       |  153  |       |           |            |           |
|  necorporale            |       |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
|  Avansuri si imobilizari|       |       |           |            |           |
|  necorporale in curs    |  154  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| TOTAL (poz. 151 la 154) |  155  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| IMOBILIZARI CORPORALE   |       |       |           |            |           |
|  Terenuri               |  156  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
|  Amenajari de terenuri  |  157  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
|  Constructii            |  158  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Echipamente tehnologice |       |       |           |            |           |
| (masini, utilaje si     |       |       |           |            |           |
| instalatii de lucru)    |  159  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Aparate si instalatii de|       |       |           |            |           |
| masurare, control si    |       |       |           |            |           |
| reglare                 |  160  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Mijloace de transport   |  161  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Animale si plantatii    |  162  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Mobilier, aparatura     |       |       |           |            |           |
| birotica, echipamente de|       |       |           |            |           |
| protectie a valorilor   |       |       |           |            |           |
| umane si materiale si   |       |       |           |            |           |
| alte active corporale   |  163  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Avansuri si imobilizari |       |       |           |            |           |
| corporale in curs       |  164  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| TOTAL (poz. 156 la 164) |  165  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| IMOBILIZARI FINANCIARE  |       |       |           |            |           |
| Efecte publice si valori|       |       |           |            |           |
| asimilate               |  166  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Obligatiuni si alte     |       |       |           |            |           |
| titluri cu venit fix    |  167  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Parti in societatile    |       |       |           |            |           |
| comerciale legate       |  168  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| Participatii si         |       |       |           |            |           |
| activitati de portofoliu| 169   |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| TOTAL (poz. 166 la 169) |  170  |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|
| PROVIZIOANE PENTRU      |       |       |           |            |           |
| DEPRECIERE - TOTAL      |  171  |       |           |            |           |
| (poz. 155+165+170)      |       |       |           |            |           |
|_________________________|_______|_______|___________|____________|___________|

                ADMINISTRATOR,                 CONDUCATORUL COMPARTIMENTULUI
     (CONDUCATORUL INSTITUTIEI DE CREDIT)           FINANCIAR-CONTABIL,
         Numele, prenumele, semnatura               Numele, prenumele si
      si stampila institutiei de credit                  semnatura



SmartCity5

COMENTARII la Ordinul 3/2004

Momentan nu exista niciun comentariu la Ordinul 3 din 2004
Comentarii la alte acte
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
ANONIM a comentat Decretul 226 2006
    Nabídka půjčky!!! Nabídka půjčky!!! Nabídka půjčky!!! Potřebujete půjčku s nízkou úrokovou sazbou 2%? Byla vám banka odepřena půjčka, protože nemáte žádné zajištění nebo špatný úvěr? Potřebujete půjčku k zahájení vašeho osobního podnikání? Jste unaveni z bankovního stresu? Pokud potřebujete další finanční prostředky na dlouhodobé a krátkodobé půjčky od 5 000 Kč do 80 000 000 Kč, pak jste na správném místě kontaktujte nás na e-mailu: Radeknovotny777@gmail.com
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