gb ro banking glossary

8/8/2019 GB RO Banking Glossary

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Glossary

THE BANKING SYSTEM IN ROMANIA

(accounting) ledger = Cartea - mare;

account = cont;

~ foreign exchange = devize n cont;

~ payable = cont creditor;

~ receivable = cont debitor;

~ settled= cont achitat;

bank ~ = cont bancar;current ~ = cont curent;

foreign exchange ~ = cont n devize;

on ones ~ = pe cont propriu;

personal~ = cont personal;

profit and loss ~(P&L- in UK) = cont de profit i pierdere;

sales ~ = cont de vnzri (al agentului / comisionarului);

sight ~ = depozit la vedere;

statement of ~= extras de cont;

the running of an ~ = micarea contului;to keep open accounts = a ine contabilitatea / conturile;

income and expenditure account = cont de venituri i cheltuieli;

accountant = contabil;

certified ~ = contabil autorizat;

accounting = contabilitate;


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Glossary

applicant = solicitant, petiionar;

assets = bunuri; active;

audit = verificarea conturilor de ctre o societate specializat; activitate

desfurat de o persoan specializat numitauditor;

auditing commission = comisia de cenzori;

balance = sold;

bank ~ = sold bancar;

credit ~ = sold creditor;

debit ~ = sold debitor;

balance of payments = balan de pli;

balance of trade = balan comercial;

balance sheet = bilan contabil;

bank= banc;

~ deposit= depozit bancar;

~ loan = mprumut bancar;

agricultural ~ = banc agricol specializat n acordarea de credite

pentru dezvoltarea agriculturii;

central ~ = banc care realizeaz politica economic a guvernului;

clearing ~ = banc de compensare, n acest caz, banca este membr a

unei case de compensaie, specializat n decontarea cecurilor;

commercial ~ = banc comercial specializat n constituirea de

depozite, efectuarea de transferuri de fonduri;poate s fie o societate

pe aciuni sau o banc particular;discounting ~ = banc specializat n scontarea cambiilor;

Federal Reserve Bank = Banca Central a Statelor Unite ale Americii;

Industrial ~ = o banc care face parte dintr-un grup de case mici

financiare, care primete investiii de la persoane fizice;

issuing ~ = instituie financiar care gestioneaz o nou emisiune de

aciuni;

joint-stock ~ =banc constituit ca societate pe aciuni;


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Glossary

merchant ~ = banc de afaceri, este o instituie specializat n

efectuarea operaiunilor n domeniul industrial i al business-ului.

banking = activitate bancar;

banking Directives = Directive bancare emise de Uniunea Europeana;

bankruptcy = faliment, incapacitate de plat;

bankers bank= funcie a unei Bnci Centrale banc a bancilor; banc

care refinaneaz sistemul bancar;

banks own capital = capitalul propriu al bncii;

BIS = Bank for International Settlements = Banca Internaional a

Reglementelor;

bill = titlu, bon;

Bill of Exchange = bank draft = cambie;

Board of directors = Consiliu de administraie;

~meeting= edina Consiliului de administraie;

bond = (aici) obligaiune;

book - keeping = contabilitate;

double-entry ~ = contabilitate n dubl partid;

borrow (to) = a mprumuta;

borrowed reserves = rezerve atrase; rezerve mprumutate;

branch = sucursala unei banci;

building society = societate ipotecar; n UK este o instituie financiar care

ofer ipoteci, fondurile acesteia provenind din depozitele

constituite de publicul larg;

capital = n sens larg, avuie acumulat;


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Glossary

(aici) se refer, n special, la resursele unei persoane fizice, ale

unei organizaii, ale unei bnci;

capital market = piaa de capital;

capital structure = structura capitalului;

capital assets = fixed assets = fonduri fixe;

cash = bani lichizi, numerar format din bancnote i monede;

cash flow = flux de numerar;

ceiling of gold = plafon pentru aur;

Central Bank= Banca Central;

charge = tax;

chart of accounts = planul de conturi;

chattel = bunuri mobile;

claim = (aici) crean;

commission = comision;

commitment fee = comision de angajare;

credit co-operative = credit union = cooperativ de credit;

credit institution = instituie de credit;

creditor = creditor, persoan care deine creane bneti asupra altor

entiti;

currency = bancnote i monede folosite ca moned naional a unei ri;

foreign ~ = valut;

convertible ~ = valut convertibil;

hard ~ = valut forte;


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Glossary

reserve ~ = valut deinut de Banca Central;

currency position = poziie valutar.

dead line = termen limit;

debentures = titluri de credit; titluri de valoare emise de societi cu

rspundere limitat n schimbul unor mprumuturi pe termen

lung;

debt = datorie, obligaie;

bad ~ = datorie care nu a fost i nici nu se sper a fi achitat;

National Debt= datoria guvernului;

debtor = debitor o persoan sau o socieate comercial care datoreaz

bani, bunuri sau servicii unei alte persoane;

deficit = depirea veniturilor de ctre cheltuieli sau a activelor de ctre

pasive;

buget ~ = un buget neechilibrat cauzat de cheltuielile mai mari

dect veniturile;

trade ~ = o balan de pli neechilibrat n care exporturile au

fost depite de exporturi;

deposit = depozit;

discount = scontare;

~ house = cas de scontare;

~ market= piaa scontului;

~ rate = rata scontului.

Early Warning and Rating System = sistem de avertizare timpurie i destabilire a rating-ului de ar;

electronic banking = activitate bancar derulat electronic;

endowment capital = capital de dotare;

European Bank for Reconstruction and Development (EBRD) = Banca

European pentru Reconstrucie i Dezvoltare (BERD);


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Glossary

European Community (EC) = Comunitatea European (EU);

European Central Bank (ECB) = Banca Central European;

European Union (EU) = Uniunea European;

exchange = schimb, pia;

exchange control = control valutar;

exchange rate = curs de schimb;

fixed ~ = curs de schimb fix;

floating~ = curs de schimb fluctuant;managed floating ~ = curs de schimb cu fluctuare dirijat;

managed~ = curs de schimb controlat;

flexible ~ = curs de schimb flexibil;

pegged~ = curs de schimb legat;

crawling ped ~ = curs de schimb trtor sau cu paritate

glisant;

spot ~ = curs de schimb la vedere;

forward ~ = curs de schimb la termen;

external assets and liabilities = active i pasive externe;

field of activity = domeniu de activitate;

financial leasing = leasing financiar;

fiscal year = an fiscal;

foreign assets = active externe;

foreign liabilities = pasive externe;

foreign currency/foreign exchange currency = valut;

General Meeting of the Shareholders = Adunarea general a acionarilor;


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Glossary

gross profit = profit brut;

headquarter premises = cldirea sediului central;

in bail = n custodie;

international foreign reserves = rezerve internaionale;

International Monetary Fund (IMF) = Fondul Monetar Internaional

(FMI);

issue guarantees (to) = a emite scrisori de garanie bancar;

joint-stock company = societate pe aciuni;

lender of last resort = creditor de ultim instan;

legal entity = legal person = persoan juridic;

legal tender = national currency = moned naional;

legal framework = cadru legal;

liability = obligaie, datorie, pasiv;

majority state-owned capital = cu capital integral de stat;

majority private capital = cu capital integral particular;

majority domestic capital = cu capital integral intern (autohton);

majority foreign capital = cu capital integral strin;

management of foreign exchange reserves = administrarea rezervelor

externe;

maturity = tenor = maturitate, scaden;

maximal exposure = expunere maxim;

merger = fuziune;


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Glossary

minimum compulsory reserves = rezerve minime obligatorii;

monetary survey = situaie monetar;

monetary, foreign exchange, credit and payments policy = politic

monetar, valutar, de credit i pli;

money issue = emisiune bneasc;

money circulation = circulaia banilor;

money market = piat monetar;

money supply = broad money = mas monetar; bani n sens larg;

mortgage = ipotec;

net foreign position = poziia net extern;

off - balance sheet = n afara bilanului;

open an account with (to) = a deschide un cont la;

own capital = capital propriu;

pledge = (aici) gaj, zlog, amanet;

promissory notes drawn or endorsed = bilete la ordin trase sau andosate;

rate of interest = rata dobnzii pltit pentru atragerea capitalului utilizat

ntr-o afacere;

central bank discount ~= rata de scont a Bncii Centrale;

accrued ~ = plata unei dobnzi datorate, dar care nu a fost

primit;

bank ~ = rat oficial a dobnzii stabilit de Bncile

Centrale; termenul nu se mai folosete n U.K.

fiind nlocuit cu minimum lending rate;

rate of return = rata profitului;


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Glossary

real estate assets = active imobiliare;

rediscount = rescontare;

refinance (to) = a refinana;

reserve tranche = tran de rezerv;

retail banking = activitate bancar cu amnuntul;

revenue and expenditure budget = bugetul de venituri i cheltuieli;

savings (s.) = (aici) economie (de bani);

savings banks = bnci de economii/case de economii;

security = (aici) efect de comer, titlu de valoare;

settlement = (aici) decontare;

shareholder = acionar;

solvency = solvabilitate;

special drawing rights (SDR) holding = deinere de drepturi speciale de

tragere (DST);

stock= aciune (aici), stoc;

stock exchange = burs de valori;

subsidiary = filial;

reserve fund = fond de rezerv;

conclude an agreement (to) = a ncheia un acord;

grant a credit (to) = a acorda un credit;


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Glossary

grant interest (to) = a bonifica dobnd;

issue banknote and coins (to) = a pune n circulaie bancnote i monede de

metal;

lend to the banking companies (to) = refinance the banking system (to)

= a acorda mprumuturi bncilor / a

refinana;

open and keep an account (to) = a deschide i a menine un cont;

redeemable = recuperabil;

render (to) = provide banking services (to)= a acorda/ a presta serviciibancare;

two tier levels = pe dou nivele;

Treasury = Trezorerie, departamentul economic i financiar central al unui

guvern;

vault cash = ghieu de casierie;

warehouse receipt = recipis / chitan warrant;

warrant = warrant;

weight (to) = (aici) a pondera;

withdraw (to) = a retrage bani.

THE BANKING SYSTEM IN ENGLAND

accountants department = departamentul de contabilitate;

bankrupt = faliment;

buying rate = curs de cumprare;


11/24

Glossary

charter/law/act = act de constituire a unei instituii sau organizaii

economice, lege;

coinage = batere de monede;

currency issue = emisiune monetar;

discount = discounting = scontare;

discount houses = casa de scontare;

discount market = pia a scontului;

discount rate = tax a scontului;

fiduciary issue = note issue = emisiune fiduciar de bancnote;

foreign exchange market = pia valutar;

foreign exchange rate = curs de schimb valutar;

Governments bank= banca guvernului;

hub = centru de activitate / de interes;

joint - stock banking company = societate bancar pe aciuni;

lender of the last resort = creditor de ultim instan;

lending institutions = instituii care acord mprumuturi; instituii de

mprumut;

merchants bank= banc de afaceri;

money market = piaa monetar;

mutual fund = fond mutual;

overdraft = descoperit n cont; sold debitor; sum tras din cont fr

acoperire.


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Glossary

rate of interest = rata dobnzii;

selling rate = curs de vnzare;

subsidiary = filiala unei banci;

borrow (to) = a da cu mprumut;

draw a cheque (to) = a trage un cec;

lend, lent, lent (to) = a lua cu mprumut;

National Debt = datoria guvernului;

retail bank= activitate bancar cu amnuntul;

Treasury = Trezorerie (n SUA: Ministerul Finanelor);

Treasury bills = bilete de trezorerie;

trust bank= banc de custodie;

turnover = cifr de afaceri;

OTHER BANKING SYSTEM IN THE WORLD

chairman = preedinte;

Board of Governors = consiliul guvernatorilor;

money supply = mas monetar

discount rate = taxa scontului;

savings banks = bnci de economii;

vault cash = numerar n casierie;

pension and retirement funds = fonduri de pensie;


13/24

Glossary

failure = eec, faliment;

Federal Deposit Insurance Corporation = FDIC = Fondul federal de

asigurare al depozitelor;

merge (to) = a fuziona;

Federal Reserves = Fed = este o agenie independent, creat n 1913, care

supervizeazi verific bncile de stat care fac

parte din Sistemul Federal Reserve;

European System of Central Banks = ESCB = Sistemul European

al Bncilor Centrale;

European Central Bank= ECB = Banca Central European;

minimum reserves = rezerve minime obligatorii;

MONEY SERVICES

advise = sfat, informaie; (aici) aviz;

Airmail Transfer = transfer prin pota aerian;

application form = formular de cerere;

at sight/at presentation = la vedere/la prezentare;

available funds = fonduri disponibile;

Bankers draft = polia bancherului;

banking clerk= funcionar bancar;

banknotes = bancnote;

bearer = purttor;


14/24

Glossary

bearer bonds = titluri la purttor;

blank endorsement = andosare n alb;

by air = pe calea aerului;

by cable = telegrafic;

by endorsement = prin andosare;

by ordinary trasfer of debts = prin simplul transfer al creanelor;

cash = numerar, bani lichizi;

cashier = casier;

certificate cheque = cec certificat;

cheque = cec;

cheque payable to bearer = cec la purttor;

client = customer = client;

coins = monede;

collect (to)= a ncasa;

collection process = procesul de ncasare;

compulsory mentions = meniuni obligatorii;

cross = barare;

crossed cheque = cec barat;

drawee = tras;

drawee bank= banca trasului, n acest caz banca pltitoare;

drawer = trgtor;


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Glossary

duties = ndatoriri; sarcini;

endorse (to)= a andosa;

endorsement = andosare;

endorser = persoan care efectueaz andosarea;

exchange risk= risc valutar;

expenses = cheltuieli;

general cross = barare general;

give instructions (to)= a da instruciuni;

holder = deintor;

input messages = mesaje de intrare;

interest charges = cheltuieli cu dobnd;

interest incomes = venituri din dobnzi;

International Money Order = mandat de plat internaional;

International Payment Order = ordin de plat internaional;

not to order = nu la ordin;

notify and pay (to)= a notifica i a plti;

order form = formular de ordin;

output messages = mesaje de ieire;

overseas bank= banc cu sediul n strintate;

owner = proprietar;


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Glossary

passbook= carnet de cec;

payee = beneficiary = beneficiarul unei pli;

paying bank= banca pltitorului;

payment by cheque = plat prin cec;

payment in cash = plat cu numerar sau n bani lichizi;

postal orders = mandat potal;

proceeds = venituri;

remit funds aboard = a remite fonduri n strintate;

remittance by post = remitere prin pot;

remittance telegraphically = remitere telegrafic;

remitter = remitent;

securities = titluri de valoare;

simple remittance = remitere simpl;

special cross = barare special;

special endorsement = andosare special;

specimen signatures = specimen de semnturi;

Standing order = ordine de plat permanente;

Telegraphic transfer (TT)= transfer telegrafic;

be valid (to)= a fi valabil;

travellers cheque = cec de cltorie;


17/24

Glossary

ELECTRONIC BANKING SERVICES

debit cards = cri de debit;

Electronic banking services = servicii bancare electronice, adic serviciiefectuate prin calculator;

electronic cash = numerar electronic;

electronic cheque = cec electronic;

electronic money = moned electronic, bani electronici;

electronic signature = semntur electronic;

fraud = fraud;

network= reea;

~ transmission = reea de transmisie;

password = parol;

PIN = Personal Identification Number = numr personal de identificare;

POS = Point of Sale Terminal = locul vnzrii;

record (to)= a nregistra;

user = utilizator;

telephone banking = banc la domiciliu.

OTHER ELECTRONIC BANKING SERVICES

Electronic Funds Transfer = EFT = Transfer Electronic de Fonduri;

money transfer = transfer de bani;

Automated Teller Machine = ATM = ghieu automat de numerar;


18/24

Glossary

EFT-POS = Electronic Funds Transfer to the Selling Points Terminals

= transferul electronic al fondurilor la locul vnzrii;

credit cards = cri de credit;

store cards = carduri de magazin;

debit cards = cri de debit;

retailer = detailist;

magnetic strip = band magnetic;

cash dispensing = distribuitor de numerar;

balance inquiry = solicitarea soldului contului;

POS = Point of sale = punct de vnzare;

keyboard = tastatur;

Joint-stock banks = bnci pe aciuni

Money market = pia monetar.

BANKER - CUSTOMER RELATIONSHIP


Act/charter/law = lege;

adequate level of solvency = nivelul adecvat al solvabilitii;

application to open an account = cerere pentru a deschide un cont;

banker/bank= banc;

Banker-customer relationship = relaia dintre banci client;

banking procedures = proceduri bancare;


19/24

Glossary

building societies = societi de construcii;

creditor = creditor;

current savings deposit = depozit curent de economii;

customer/client = client;

deal (to) = (a face o) tranzacie (cu);

debtor = debitor;

deputy = (aici) delegat; adjunct;

disbursement = plat, achitare;

duties and rights = obligaiuni i drepturi;

forgery = fraud;

insurance company = societate de asigurri;

legal person = persoan juridic;

lend (to )= a mprumuta (pe);

license/authorisation = licen / autorizaie;

licensed deposit taking institutions = instituii acreditate s consti-

tuie/primeasc depozite;

mortgage = ipotec;

natural person = persoan fizic;

overdrawn = fr acoperire;

proceeds = venituri;

recognised banks = bnci acreditate;


20/24

Glossary

sealed = sigilat;

sight interest = dobnda la vedere;

solicitor = avocat;

theft = furt;

be entitled to (to)= a fi mputernicit (s);

be supplied with (to)= a fi alimentat cu;

complete/conclude a contract (to)= a ncheia un contract;

finish/terminate/cancell a contract (to)= a rezilia un contract;

mortgage (to)= a ipoteca;

open an account with (to)= a deschide un cont;

pass on (to)= a statua;

vest somebody to do something (to) = a investi pe cineva s fac ceva;

Trustee Savings Bank = bnci de ncredere specializate n deinerea

economiilor (un fel de CEC);

RISKS MANAGEMENT

credit institution = instituie de credit;

risks management = administrarea riscurilor;

financial risks = riscuri financiare;

foreign exchange risk= risc valutar;

liquidity risk= risc de lichiditate;


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Glossary

interest rate risk= riscul ratei dobnzii;

operational risk= risc operaional;

own funds = fonduri proprii;

commitments = angajamente;

solvency = solvabilitate;

banking rating system and the early warning system = sistem de

avertizare timpurie i de stabilire a rating-ului de ar;

level of large exposures = nivelul expunerilor mari;

minimum level of the capital = nivelul minim al capitalului;

administrative procedures = proceduri administrative;

internal control procedures = proceduri de control intern;

classification of credits = clasificarea creditelor;

large loans = mprumuturi mari;

loans granted to the debtors in special relations with a bank =

mprumuturi acordate debitorilor care se afl n relaii speciale cu banca;

liquidity = lichiditate;

debt service = serviciul datoriei;

doubtful credit = credit ndoielnic;

interest rate risk= riscul ratei dobnzii;

off balance sheet items = elemente n afara bilanului contabil;

prudential measures = msuri de prudenialitate;


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Glossary

credit risk= riscul de credit;

watch credit = credit n observaie;

doubtful credit = credit ndoielnic;

losscredit = credit de pierdere;

shareholder = acionar;


grant a credit (to) = a acorda un credit;

financial-accounting department = departamentul financiar-contabil;

assets = active;

BANKS AND LENDING


auction credit =credit de licitaie;

borrowed funds = fonduri atrase (mprumutate);

capability = ability = capacitate; abilitate;

currency risk= riscul de schimb valutar;

fixed interest rate loan = mprumut cu rata dobnzii fix;

floating interest rate loan = mprumut cu rata dobnzii flotanta;

legal person = persoan juridic;

lending = mprumut;


23/24

Glossary

lending facilities = faciliti legate de acordarea mprumutului;

liabilities = pasive;

liquidity risk= riscul de lichiditate;

Lombard credit = credit lombard;

loss = pierdere;

market risk= riscul pieei;

minimum capital = capital minim;

operational risk= riscul operaional.


paid up capital = capital vrsat;

physical person = persoan fizic;

preferential credit = credit preferenial;

purpose = destination = scop / destinaie;

repayment = plat;

solicitor = avocat; (amer. procuror);

solvency ratio = rata solvabilitii;

special credit = credit special;

standard credit = credit standard;

structural credit = credit structural;

substandard credit = credit substandard;


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Glossary

supplementary capital = capital suplimentar;

weight (to)= a pondera;

variable interest rate loan = mprumut cu rata dobnzii variabil;

watch credit = (aici) credit n observare

gb ro banking glossary

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