1.1. History of Transylvania Bǎncii
BT (BT) is a "banking institution headquartered in Cluj-Napoca, Romania. Bank's success story began in Cluj-Napoca in December 1993 and February 16, 1994 became operaţionalǎ by opening branches in Cluj-Napoca on the initiative of businessmen from Cluj-Napoca, capital of 2 million lei. The idea was to have a local bancǎ only cǎ's entrepreneurial founders led sǎi strengthen the position of Banca Transilvania, a stage primǎ in Cluj-Napoca and then regionally.
"Talent visionary" BT has made these banks to become a reality and an alternative time and have success than its founders expected. The Bank began operations oriented to the "selection and financing of investment projects and financial investment" and, due to market, it soon began to dedicate and retail area. BT was ranked in fourth position in December 2005 in the number of branches and agencies, the number 285. BT had 19 outlets in Cluj-Napoca, where the headquarters of the bank. According to NBR, in March 2006, BT ranks in the top nine largest Romanian bank with assets worth 1.494 million euros.
In August 2007, BT was ranked fifth place among Romanian banks based on assets (with 3.14 billion euros) and fourth position in terms of number of branches. In 2007, BT has set up its first branch outside Romania, at Nicosia in Cyprus. According to Board President (Horia Ciorcilă), BT had to enter the Moldovan market as one of the expansion for continued growth after 2008. BT exchange value of the switch in 2007 to below 2 billion, but after the drastic correction that followed the financial markets, the bank reached a market capitalization below 300 million in 2009.
BT have opened in the first half of 2009 over 500 locations 400 locations toward 2008. Active customer base grew, reaching the end of 2009, to 1.34 million active customers to over 1.2 million active customers at the end of 2008. Number of employees at 30 June 2009 was 6035, with an average age of 32.4 years. BT activity results in late 2009 led to an increase of 1.22 times BT Heritage in late 2008.
In December 2009, Bank of Cyprus has purchased a package of 9.7% of securities transactions on BT by the Bucharest Stock Exchange, totaling 58 million euros. BT is listed in the index and BET-10 at the Bucharest Stock Exchange. To see better how the new ownership of BT shows, see Figure 1.
Fig. 1.1. Transivania Bank shareholders.
BT Financial Group currently hold, in addition to BT, and companies that have invested: Insurance and Reinsurance company BT Asigurari, BT Leasing, BT Securities. In addition, BT Direct will complement these services, the Consumer Finance industry coverage. BT Financial Group will carry the BT logo in the center of power will be BT, which has the participation rate of 100% or majority positions in the subsidiaries.
According to the bank's founding documents, no shareholder may own more than 5% of the equity of the bank without the consent of shareholders in general meeting (AGM). European Bank for Reconstruction and Development (EBRD) Bank's largest shareholder owns about 15%. EBRD to Banca Transilvania became shareholders in 2001. BT is also the position of the first 40 brandurii 35 in Romania and among the world Top 400.
In these conditions of instability in international markets, regulatory authorities in Romania, especially the Government and National Bank of Romania, have adopted a set of policies for economic recovery to mitigate the economic crisis, sǎ protect national currency and to support the banking system.
1.2. Organizatoricǎ structure and bank management
1.2.1. Transylvania Bank Management
The basic organizational levels are represented by the Central Bank Transylvania and work units and an executive meeting and ordering of the subordinate. Represent the central core of the institution and assigned primarily attributes the organization, direction, coordination and supervision of bank activity with the task to ensure normal development and the new bank under EU rules. Organizational structure is given bǎncii bank.
Network intelligence unit is composed of regional branches, local branches, agencies, work and exchange offices. Operational units are organized for business lending and retail customers and corporate responsibility to conduct their banking transactions with customers directly.
The Board manages the BT, he was elected by the Assembly of Shareholders Generalǎ and aims to "maximize profits and minimize risk, subject to regulatory restrictions. By qualified executives is înfǎptuitǎ Management Committee, its powers delegated by the owner under cǎrora Board monitors and responds to how hotǎrârile Adunǎrii General Shareholders and Board of factual translate into practice. "Magic is not performance training a single person." Executive Management is exercitatǎ of the many charitable ie May of the following enumeration:
- General;
- Deputy Director General;
- CEOs members CM;
- CFO;
- Directors of directorates of the central bank;
- Regional managers, branch managers Coordinators;
- Directors of subsidiaries and operations of the branch managers and heads of operational departments (heads of agencies, service chiefs, heads of offices).
Director General, Deputy Director-General and Executive Directors Management Committee members meet quality single-driving organ. Through their leadership and guidance necesarǎ guarantees the connection between leadership and management administrativǎ executivǎ to realizǎrii strategic plans approved by the Board.
Collective management bodies are:
- Board of Directors;
- Management Committee;
- Banking and Risk Management Committee;
- Assets and Liabilities Management Committee;
- Risk Committee on Operations;
- Appropriations Committee (credit policy);
- Credit and risk committees of central bǎncii;
- Human Resources Committees;
- Internal Control Committee of Innovation;
- Audit Committee;
- Credit and Risk Committee of Branches şiAgenţii.
1.2.2. Appropriations Committee and its responsibility
Committee of Central Bank credit and risk Transylvania mainly aims to establish credit policy and analysis and loan approval has the following composition:
1. Credit and Risk Committee Composition 1
- Risk Management Coordinator Officer
- Director of Directorate of Corporate Loans
- Legal Advisor
2. Credit and Risk Committee Composition 2
- Director General;
- Deputy Director General;
- Executive Director;
- Director of Corporate Loans and Director of Retail Loan;
- Director of Risk Management;
- Legal adviser.
Credit and Risk Committee (RAC RAC 1 or 2) analyze and discuss each case documentation that proposals are promoted to corporate officer concerned individuals. Credit Committee examines employment and credit risk strategy by the Committee established credit, interest, commissions that specifically apply to BT and the incidence of credit risk arising from or in connection with the person or societatatea reprezantanţilor borrower and its legal guardians and taking decisions on loan approval or rejection of the proposal by consensus of members participating in the analysis.
To fulfill the tasks imposed, colaboreazǎ Appropriations Committee with the Committee Management Assets and Liabilities and other specialty lines of BT Central and branches.
Appropriations Committee sets strategy in transposing creditǎrii Practically mǎsurile established the Board of Directors or Management and guarantees the Committee and is responsible for the management of credit and to smooth their reimbursement.
Also individually oficerul officer, one officer of the committee pawns makers will meet some of the tasks that will be listed below:
- Open and close the accounts given for BT customers under the bank's internal rules or relevant legislation and, where appropriate, take steps to block transactions initiated whose legality is unclear or suspicious;
- Assess the eligibility of clients on the proposal to credit;
- Examine proposals on lending operations under the bank credit policy and legislation;
- Analyze transactions in terms of credit risk;
- Identify and propose appropriate financial solutions tailored to the situation and customers;
- Develop commercial relationships with bank customers, natural or legal persons;
- Maintain and develop existing customer portfolio;
- Supports the trading activity for BT customers.
Oficerul credits towards the Appropriations Committee in that it belongs to is part of the Committee also examines reports of credit risk assessment and decide when you need to prepare reports for department CARB less important but essential to maintain the balance loans to the branch or agency concerned.
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