BANK201 COMMERCIAL BANKING ASSINGMENT

BANCA DE ECONOMII

The Republic of Moldova

The list of services provided by the bank, agency

The Joint Stock Company Banca de Economii offers the following types of
services via its branches:

1. acceptance of deposits (on term or at demand etc.) with or without the interest rate;
2. granting of credits (consumptions and mortgage, factoring with or without regression right, financing
of commercial transactions, issuance of warranties and bails, etc.);
3. providing services of clearing and incasso;
4. financial leasing;
5. purchase and sale of money (including foreign currency exchange);
6. providing credit services;
7. foreign currency operations, including the purchase and sale of foreign currencies via transfers to
individuals and juridical persons, in the limits set by the External Relations and Exchange
Operations Department;
8. opening and management of accounts;
9. check operations (purchase of nominative checks, purchase, and sale of traveler checks);
10. providing services on the securities market via the Treasury Department;
11. providing services of keeping, cashing and transportation of money and values;
12. contracts of issuance and service of banking cards;
13. providing services of money transfers via international money transfers, in accordance with the
contracts signed by the Bank;
14. acceptance of payments in favor of beneficiaries (utilities, State taxes, etc.);
15. social payments (compensations, etc.) in accordance with the internal regulations of the Bank;
16. any other financial activity allowed by the National Bank of Moldova according to the internal
regulations;

The Joint Stock Company Banca de Economii offers the following types of
services via its agencies:

1. acceptance of deposits (on term or at demand etc.) with or without the interest rate, managed by
the branches of the Bank, acceptance, and management of the documents and data related to the
process of an account opening;
2. serving the banking card owners via POS terminals of the agencies: cash withdrawal, account
supply, ensuring the possibility to pay with cards, acceptance, and management of documents
related to the opening of a card account;
3. providing incasso services according to the contracts signed and/or managed by the Bank and the
branch;
4. currency exchange operations in accordance with the Law nr. 62-XVI since March 21st, 2008
regarding the currency regulation;
5. traveler check operations;
6. providing services of safe money keeping;
7. providing services related to the credit transfer: acceptance, management of payment documents,
cash acceptance for clients with no account and further transmission of all the necessary
documents to the branch or central office of the bank;
8. management of direct debiting operations: acceptance, processing of payment documents,
acceptance of cash for clients with no bank account and further transmission of all the necessary
documents to the branch or central office of the bank;
9. providing services of money transfers via international money transfers, in accordance with the
contracts signed by the Bank;
10. cash and card payment for the services and products granted by the Bank;
11. social payments (compensations, etc.) in accordance with the internal regulations of the Bank;
12. any other financial activity allowed by the National Bank of Moldova according to the internal
regulations;