President's Message

In the last years, the cooperative banks from the CREDITCOOP network have passed through a large process of transformations and modernisations, keeping their identity and defining a specific place in the banking scenery from Romania and within the credit institutions. The beginnings of the cooperative credit movement originate more than 150 years ago, in their long existence emphasising many forms of organisation and several denominations of the credit cooperative organisations. Now, they are well organised entities, with a personal operation area, with personal statutes that have to comply with the legal provisions and also with the regulations issued by the National Bank of Romania and the CREDITCOOP Central Cooperative Bank.

During the years, the cooperative banks have aloways complied with the cooperative principles, established on international level, they being established as associations of individuals, voluntary united, in the purpose of complying their common needs and aspirations, of helping the associated members, and the decisions of the general assemblies are being taken in a democratic manner, based on the principle one person - one vote. They have statute of affiliates to the Central Cooperative Bank and from the point of view of the financial-banking activity, they are attended by 17 agencies of CREDITCOOP, judiciously distributed in the territory.

Legislatie

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Acte normative aplicabile organizatiilor cooperatiste de credit publicate în Monitorul Oficial al României 21.06.2010

Ordonanta de Urgenta 50/2010 privind contractele de credit pentru consumatori; M.Of. 389 din 11-iun-2010; Guvernul

Regulament 3/2010 privind comisioanele practicate de Banca Nationala a României pentru efectuarea operatiunilor de eliberare si primire de numerar în relatia cu institutiile de credit si Trezoreria Statului; M.Of. 180 din 22-mar-2010; Banca Nationala a Romaniei

Regulament 24/2009 privind lichiditatea institutiilor de credit, cu modificarile si completarile ulterioare; M.Of. 891 din 18-dec-2009; Banca Nationala a Romaniei

Brief history

1851 – The first cooperative is founded in Ardeal, region of Bistrita, at the same time with the first credit societies in Germany.

1855 – A economy, credit and mutual assistance society appears at Braila and it is called “Infratirea”.

1860 – Ion Ionescu de la Brad sets up a popular bank and a saving schoolhouse at Brad village, roman county.

1867 – Visarion Roman sets up “The Saving and Loan Society” at Rasinari, Sibiu county, the first credit cooperative and, the same time the first Romanian financial institution in Ardeal (following the Schulze Delitzsch model).

Noutati

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