MONEY SERVICES

advise = sfat, informatie; (aici) aviz; Airmail Transfer = transfer prin posta aeriana; application form = formular de cerere; at sight/at presentation = la vedere/la prezentare; available funds = fonduri disponibile; Banker’s draft = polita bancherului; banking clerk = functionar bancar; banknotes = bancnote; bearer = purtator; bearer bonds = titluri la purtator; blank endorsement = andosare in alb; by air = pe calea aerului; by cable = telegrafic; by endorsement = prin andosare; by ordinary trasfer of debts = prin simplul transfer al creantelor; cash = numerar, bani lichizi; cashier = casier; certificate cheque = cec certificat; cheque = cec; cheque payable to bearer = cec la purtator; client = customer = client; coins = monede; collect (to) = a incasa; collection process = procesul de incasare; compulsory mentions = mentiuni obligatorii; cross = barare; crossed cheque = cec barat; drawee = tras; drawee bank = banca trasului, in acest caz banca platitoare; drawer = tragator; duties = indatoriri; sarcini; endorse (to) = a andosa; endorsement = andosare; endorser = persoana care efectueaza andosarea; exchange risk = risc valutar; expenses = cheltuieli; general cross = barare generala; give instructions (to)= a da instructiuni; holder = detinator; input messages = mesaje de intrare; interest charges = cheltuieli cu dobanda; interest incomes = venituri din dobanzi; International Money Order = mandat de plata internationala; International Payment Order = ordin de plata internationala;

not to order = nu la ordin; notify and pay (to)= a notifica si a plati; order form = formular de ordin; output messages = mesaje de iesire; overseas bank = banca cu sediul in strainatate; owner = proprietar; passbook = carnet de cec; payee = beneficiary = beneficiarul unei plati; paying bank = banca platitorului; payment by cheque = plata prin cec; payment in cash = plata cu numerar sau in bani lichizi; postal orders = mandat postal; proceeds = venituri; remit funds aboard = a remite fonduri in strainatate; remittance by post = remitere prin posta; remittance telegraphically = remitere telegrafica; remitter = remitent; securities = titluri de valoare; simple remittance = remitere simpla; special cross = barare speciala; special endorsement = andosare speciala; specimen signatures = specimen de semnaturi; Standing order = ordine de plata permanente; Telegraphic transfer (TT)= transfer telegrafic; be valid (to) = a fi valabil; traveller’s cheque = cec de calatorie;

ELECTRONIC BANKING SERVICES

debit cards = carti de debit; Electronic banking services = servicii bancare electronice, adica servicii efectuate prin calculator; electronic cash = numerar electronic; electronic cheque = cec electronic; electronic money = moneda electronica, bani electronici; electronic signature = semnatura electronica; fraud = frauda; network = retea; ~ transmission = retea de transmisie; password = parola; PIN = Personal Identification Number = numar personal de identificare; POS = Point of Sale Terminal = locul vanzarii; record (to) = a inregistra;

user = utilizator; telephone banking = banca la domiciliu.

OTHER ELECTRONIC BANKING SERVICES

Electronic Funds Transfer = EFT = Transfer Electronic de Fonduri; money transfer = transfer de bani; Automated Teller Machine = ATM = ghiseu automat de numerar; EFT-POS = Electronic Funds Transfer to the Selling Points Terminals

= transferul electronic al fondurilor la locul vanzarii; credit cards = carti de credit; store cards = carduri de magazin; debit cards = carti de debit; retailer = detailist; magnetic strip = banda magnetica; cash dispensing = distribuitor de numerar; balance inquiry = solicitarea soldului contului; POS = Point of sale = punct de vanzare; keyboard = tastatura; Joint-stock banks = banci pe actiuni Money market = piata monetara.

BANKER - CUSTOMER RELATIONSHIP

accountant = contabil; Act/charter/law = lege; adequate level of solvency = nivelul adecvat al solvabilitatii; application to open an account = cerere pentru a deschide un cont; banker/bank = banca; Banker-customer relationship = relatia dintre banca si client; banking procedures = proceduri bancare; building societies = societati de constructii; creditor = creditor; current savings deposit = depozit curent de economii; customer/client = client; deal (to) = (a face o) tranzactie (cu); debtor = debitor; deputy = (aici) delegat; adjunct; disbursement = plata, achitare; duties and rights = obligatiuni si drepturi; forgery = frauda; insurance company = societate de asigurari;

legal person = persoana juridica; lend (to )= a imprumuta (pe); license/authorisation = licenta / autorizatie; licensed deposit taking institutions = institutii acreditate sa constituie/ primeasca

depozite; mortgage = ipoteca; natural person = persoana fizica; overdrawn = fara acoperire; proceeds = venituri; recognised banks = banci acreditate; sealed = sigilat; sight interest = dobanda la vedere; solicitor = avocat; theft = furt; be entitled to (to) = a fi imputernicit (sa); be supplied with (to) = a fi alimentat cu; complete/conclude a contract (to) = a incheia 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 sa faca ceva; Trustee Savings Bank = banci de incredere specializate in detinerea economiilor (un fel de CEC);

RISKS MANAGEMENT

credit institution = institutie de credit; risks management = administrarea riscurilor; financial risks = riscuri financiare; foreign exchange risk = risc valutar; liquidity risk = risc de lichiditate; interest rate risk = riscul ratei dobanzii; operational risk = risc operational; own funds = fonduri proprii; commitments = angajamente; solvency = solvabilitate; banking rating system and the early warning system = sistem de avertizare timpurie si de stabilire a rating-ului de tara; 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 = imprumuturi mari; loans granted to the debtors in special relations with a bank = imprumuturi acordate

debitorilor care se afla in relatii speciale cu banca; liquidity = lichiditate; debt service = serviciul datoriei; doubtful credit = credit indoielnic; interest rate risk = riscul ratei dobanzii; off balance sheet items = elemente in afara bilantului contabil; prudential measures = masuri de prudentialitate; credit risk = riscul de credit; watch credit = credit in observatie; doubtful credit = credit indoielnic; loss credit = credit de pierdere; shareholder = actionar; own capital = capital propriu; grant a credit (to) = a acorda un credit; financial-accounting department = departamentul financiar-contabil; assets = active;

BANKS AND LENDING

accountant = contabil; auction credit =credit de licitatie; borrowed funds = fonduri atrase (imprumutate); capability = ability = capacitate; abilitate; currency risk = riscul de schimb valutar; fixed interest rate loan = imprumut cu rata dobanzii fixa; floating interest rate loan = imprumut cu rata dobanzii flotanta; legal person = persoana juridica; lending = imprumut; lending facilities = facilitati legate de acordarea imprumutului; liabilities = pasive; liquidity risk = riscul de lichiditate; Lombard credit = credit lombard; loss = pierdere; market risk = riscul pietei; minimum capital = capital minim; operational risk = riscul operational. own capital = capital propriu; paid up capital = capital varsat; physical person = persoana fizica; preferential credit = credit preferential; purpose = destination = scop / destinatie; repayment = plata;

solicitor = avocat; (amer. procuror); solvency ratio = rata solvabilitatii; special credit = credit special; standard credit = credit standard; structural credit = credit structural; substandard credit = credit substandard; supplementary capital = capital suplimentar; weight (to) = a pondera; variable interest rate loan = imprumut cu rata dobanzii variabila; watch credit = (aici) credit in observare

RATES OF EXCHAGE

accepted = acceptat; appreciation = apreciere; balance of payments = balanta de plati; branch = sucursala; capital account = cont de capital; capital foreign exchange operations = operatiuni valutare de cont de capital; capital transactions = tranzactii de capital; commodity exchange = bursa de marfuri; covering exchange rate = acoperirea cursului de schimb valutar; current account = cont curent; current foreign currency operations = operatiuni valutare curente sau operatiuni valutare de cont curent; current transactions = tranzactii curente; deals = tranzactii; delay = intarziere; delivery = livrare, distribuire; demand = cerere; depreciation = depreciere; devaluation = devalorizare; direct quatation = cotatie directa; direct investment = investitie directa; due penalties = penalitati scadente; exchange control = foreign exchange control = control valutar; exchange office = exchange bureau = casa de schimb valutar; exchange rate = curs de schimb valutar; failure = esuare; esec; firm quotation = cotatie ferma; fixed exchange rate regime = regimul valutar cu un curs de schimb fix; foreign currency = foreign exchange = valuta; foreign exchange market = piata valutara;

foreign exchange intervention = interventie valutara; foreign exchange restrictions = restrictii valutare; foreign exchange risk = risc valutar; foreign exchange transactions = tranzactii valutare; forward exchange rate = curs de schimb valutar la termen; forward operations = forward transactions = operatiuni la termen; headge = acoperire; hedging = tehnica de acoperire a riscului valutar; indirect quatation = cotatie indirecta; individuals = persoane fizice; indivizi; international debt = datorie externa; international reserves = rezerve internationale; international trade = comert international; legal framework = cadru legal; legal persons = persoane juridice; loss = pierdere; managed float regime (dirty float) = regim valutar controlat; moderate amounts = sume moderate, (aici) sume aferente cheltuielilor curente de intretinere a membrilor familiei, care pot fi justificate ulterior cu documente.

monetary unit = unitate monetara; non-residents = nerezidenti; offer = oferta; outright transactions = tranzactii complexe de vanzare-cumparare de valute; own norms = norme proprii; purchase order = ordin de cumparare; quotation = cotatie; reimbursement = rambursare; rejected = respins; residents = rezidenti; retail market = piata en-detail; piata cu amanuntul; revaluation = revaluare; settlement = (aici) decontare; share capital = capital social; spot exchange rate = curs de schimb valutar la vedere; spot operations = spot transactions = operatiuni la vedere; spread = marja; diferenta dintre cursul de schimb de vanzare si cumparare, sau dintre

dobanda activa si pasiva a unei banci; sterilized foreign exchange intervention = interventie valutara sterilizata; stock exchange = bursa de valori; subsidiary = filiala; swap operations = incheierea concomitenta, pe piata valutara, a doua operatiuni legate

intre ele, bazate pe aceeasi suma de bani: cumparare curenta si vanzare la termen, vanzare curenta si cumparare la termen sau vanzare si cumparare la termene diferite.

traded = comercializat, tranzactionat; trade balance = balanta comerciala;

unsterilized foreign exchange intervention = interventie valutara nesterilizata; up-to-date rate = rata actualizata; wholesale market = piata en-gros; working day = zi lucratoare; World Bank = Banca Mondiala; International Bank for Reconstruction and Development (IBRD) = Banca

Internationala pentru Reconstructie si Dezvoltare (BIRD).

FINANCIAL DERIVATIVES

options = optiunea reprezinta contractul care acorda beneficiarului dreptul de a cumpara sau a vinde un instrument financiar sau o marfa la un pret specificat intr-o perioada determinata;

option premium = prima pentru o optiune; call option = optiunea “call” este optiunea de cumparare; put option = optiunea “put” este optiunea de vanzare; European option = optiune europeana; American option = optiune americana; exotic options = optiuni exotice; interest rate swaps = swap pe rata dobanzii; currency swaps = swap valutar currency account = un cont bancar exprimat in orice valuta, alta decat moneda

nationala; Eurocurrency = un depozit exprimat in orice valuta detinuta in afara tarii emitente; Forward contract = contract la termen; Hedging = asigurarea riscului valutar; foreign exchange risk = risc valutar; foreign exchange exposure = expunere valutara; sovereign risk = risc de suveranitate; hard currency = valuta forte; strong currency = valuta forte (puternica); weak currency = valuta slaba; foreign exchange control = control valutar; translation risk = risc de transformare; transaction risk = riscul operatiunii; overseas = abroad = in strainatate; derivatives = derivate; acestea sunt instrumente financiare care sunt in esenta un produs

secundar al actiunilor, obligatiunilor etc. bond markets = pietele obligatiunilor; borrow (to) = a imprumuta; lend (to) = a da cu imprumut; lapse (to) = a decadea; a se scurge; gamble (to) = a risca; a pierde; exchange rate arbitrage = arbitraj de curs de schimb;

invoice (to) = a factura consolidated balance sheet = bilant contabil consolidat; open outcry = strigare libera; initial margin = marja initiala; financial futures = operatiuni financiare la termen; clearing house = casa de compensare; settlement price = pretul de decontare;

INTERNATIONAL TRADE

abroad = in strainatate; advertising = reclama publicitara; advising bank = banca avizatoare; airway bill / air consignment bill = scrisoare de transport aerian; arrival = sosire; at sight = la vedere; batch = grupa, lot (de marfuri); bear all risks = suporta toate riscurile; berth = dana, chei; bill of collection = incasso documentar; bill of exchange = cambie; bill of lading = conosament; borrower = imprumutat/debitor; buyer = cumparator; by-products = produse derivate; Carriage Paid to = CPT = transport platit pana la...; Carriage = transport; carrier = caraus; certificat of origin = certificat de origine; Cost, Insurance and Freight = CIF = cost, asigurare si navlu; Carriage and Insurance Paid to = CIP = cost si asigurare platite pana la... clearance = achitare; collection = incasso; commercial documents = documente comerciale; commitment = angajament; consignee = destinatar; consular invoice = factura consulara; Cost and Freight….= CFR = cost si navlu; contracting parties = parti contractante; damaged = avariat; deferred = amanat; Delivered at Frontier = DAF = franco frontiera; Delivered Duty Paid…= DDP = franco destinatia vamuit…; Delivered Duty Unpaid…= DDU = franco destinatie nevamuit…;

Delivered Ex Quay…= DEQ = franco chei; Delivered ex Ship = DES = franco nava nedescarcata; departure = plecare; documents of title = documente de titlu; draft = proiect; ex works = franco fabrica; fee = taxa; financial documents = documente financiare; flight stamp = timbru par avion; flood = inundatie; foreign exchange risk = risc valutar; Free Alongside Ship = FAS = franco de-a lungul vasului; free carrier = FCA = franco transportator; Free on Board = FOB = franco la bord; freight = navlu; global amount = suma globala; handling = manipulare; harmless = fara pagube; haulage = transport prin carausie; taxa de transport; issuer = emitent; insurance certificate = certificat de asigurare; insurance documents = documente de asigurare; insurance policy = polita de asigurare; international sales contract = contract international de vanzare; invoice = factura; L/C = letter of credit = scrisoare de credit; documentery letter of credit = acreditiv documentar; leakage = pierdere/scurgere de cantitate; legalised/visaed invoice = factura legalizata; lender = imprumutator/creditor; letter of introduction = scrisoare de prezentare; lifting = ridicare; lighter = slep; loan contract = contract de imprumut; lorry-way bill = scrisoare de trasura pentru transportul rutier; main carriage unpaid = transportul principal neplatit; mark = marcare; movement certificate EUR-1 = certificat de miscare EUR-1; non delivery = nelivrare; notifying party = partea notificatoare; offloaded = in afara incarcaturii; on behalf of somebody = in numele cuiva; outstanding = neplatit, restant, important; packaging = ambalare; packing list = lista de ambalaj; Parcel Post Receipt = recipisa de coletarie;

port of call = port de escala; preamble = preambul; pro forma invoice = factura proforma; Promissory Note = bilet la ordin; pursuant = conform; railway bill = rail consignment note = scrisoare de trasura pentru transportul feroviar; raw materials = materii prime; rediscount = rescontare; rejection = respingere; right - hand corner = coltul din dreapta; riot = revolta; SAD = Single Administrative Document = document administrativ unic; sales contract = contract de vanzare; sample = mostra; ship = vas, nava; shipping documents = documente de transport; spoilage = alterare; strike = greva; supersede (to) = a inlocui; supplier = furnizor; term of delivery = termen de livrare; term of payment = termen de plata; TIR book = carnet TIR; be assessed (to) = a fi evaluat; be discounted (to) = a fi scontat; be encountered (to) = a fi lovit / ciocnit; be impended (to) = a fi iminent; be labelled (to) = a fi etichetat; be posted (to) = a afisa, a lipi; be tailored (to) = a fi confectionat / ajustat; bind-up (to) = a lega; check (to) = a verifica; fall due (to) = a fi scadent; fall under somebody heading (to) = a cadea sub jurisdictia cuiva; fill in (to) = a completa; forfeit (to) = a pierde prin confiscare; a pierde un drept; mix (to) = a amesteca; pump (to) = a pompa; rediscount (to) = a fi rescontat; stamp (to) = a timbra, a stampila; wire (to) = a telegrafia; trade mark = marca fabricii / marca de comert; truck = camion; trustworthy = demn de incredere; type of packaging = mod de ambalare;

validity = valabilitate; VAT = tax on added value = TVA (taxa pe valoarea adaugata); wasting litigation = actiune in justitie in cazul unei pierderi; worthiness = credibil; written evidence = document scris;

METHODS OF PAYMENT OR SETTLEMENT

ability = capacitate; abilitate advance payment = plata in avans; cash flow = flux monetar; clean collection = incasso curat; D/A (acceptance of documents) = acceptarea documentelor; D/P (against payment) = documente contra plata; dispatch = expediere; documentary collection/ bill of collection = incasso documentar; domestic trade = comert interior; drawee = tras; foreign trade = comert exterior; guarantee of payment = garantie de plata; liabilities = pasive, obligatii; open account = cont deschis; responsibilities = responsabilitati; security = (aici) garantie; statement of account = extras de cont; cancel the order (to) = a anula un ordin; grant a credit (to) = a acorda un credit;

DOCUMENTARY CREDIT/ LETTER OF CREDIT

accepting bank = banca acceptatoare; advising bank = banca avizatoare; applicant = (aici) ordonator; at sight = la vedere; certificate of analysis = certificat de analiza; confirming bank = banca confirmatoare; consignment = transport de marfa; country risk = risc de tara; deferred payment = plata amanata; documentary credit/ letter of credit = acreditiv documentar; expiry date = data de expirare; forward contract = contract la termen;

indebtedness = stare de indatorare; inspection certificate = certificat de inspectie; International Chamber of Commerce = Camera Internationala de Comert; irrevocable credit = acreditiv irevocabil; issuing bank = banca emitenta; payment in advance = plata in avans; revocable credit = acreditiv revocabil; shipment = incarcatura; tenor = maturity = scadenta; trustworthiness = credibilitate; worthiness = credibilitate; assignment of the proceeds of a credit = cesiunea acreditivului

SHORT-TERM FINANCE EXPORTS

short-term finance = finantare pe termen scurt; factoring = invoice discounting = colectarea datoriilor este o finantare pe termen scurt

utilizata in comertul international si are la baza un contract incheiat intre o parte numita furnizor si o alta numita factor;

factoring chain = lantul de factoring este o retea internationala a tuturor companiilor de factoring;

principal = rata de capital; schedule of the repayment = scandentarea platii ratelor de capital si dobanda; minute = proces verbal;

MEDIUM- AND LONG-TERM FINANCE FOR EXPORT

supplier credit = credit furnizor; buyer credit = credit cumparator; ECGD = Export Credits Guarantee Department = Departamentul de Garantare a Creditelor de Export a fost infiintat in anul 1991 pentru a-i asigura pe

exportatorii britanici contra unor riscuri care apar in comertul exterior. onus = raspundere, obligatie; overseas debt = datorie externa; default (to) = a nu-si indeplini obligatiile; lines of credit = linii de credit; insolvency = incapacitate de plata; instalments = plata in rate; lease (to) = a inchiria; financial lease = leasing financiar; lessee = persoana care inchiriaza; persoana care plateste o suma de bani pentru

proprietatea inchiriata;

lessor = persoana care acorda o inchiriere; persoana care ofera spre inchiriere; rental contract = contract de inchiriere; loom = razboi de tesut; gherghef; rent = chirie.

GUARANTEES OR BONDS

guarantee = bond = garantie; bank guarantee = garantie bancara; guarantor = garant; tender = bid bond = garantie pentru licitatie; performance bond = garantie de aducere la indeplinire; retention bond = garantie de retinere; demand guarantee = garantie la cerere; principal = ordonator;