This document is a diploma from the Romanian-American University conferring a Bachelor's degree in Finance and Banking. It provides details about the recipient such as name, date and place of birth, as well as information about the program including the name of the faculty, level of qualification, admission requirements, curriculum followed, individual grades obtained in courses, and an average passing grade of 8.78. The diploma certifies that the recipient has acquired competencies in areas such as finance, economics, accounting, marketing, and foreign languages.

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MINISTERUL EDUCATIEI, CERCETARII, TINERETULUI SI SPORTULUI' '
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DIPLOMA
Seria C Nr. 0 2 5 2 23 5
DE
LICENTA
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....................................................................................................................................................,
in baza absolvirii Ciclului I - Studii universitare de licenta ~i a promovarii examenului
de finalizare a studiilor, in sesiunea ....~~~~~.................~.~~.~......................................................,
la propunerea .............................................................................................................................
FACULTAJll DE RELATll COMERCIALE $1 FINANCIAR-BANCARE INTERNE $1 INTERNATIONALE
....................................................................................................................................................,
~ confera
D .~-~~i.......................................!YIJ~.T..!J..:...~.~/!V.~:-:M.!~F..~~.......................................,
~ a ~ 1990 IANUARIE . 13
nascut... 1n anul ........................., luna ......................................................., z1ua .......................,
ill localitatea ..
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· IA$1 ROMANIAJUdetul ............................................................, tara ..................................................................,
' a " UNIVERSITATll ROMANO -AMERICANEabsolvent... a... .........................................................................................................................
FACULTATEADE RELAJll COMERCIALE $1 FINANCIAR-BANCARE INTERNE $1 INTERNAJIONALE
····················································································································································
. LICENTIAT TN $TllNTE ECONOMICE
t1tlul de .....................................................................................................................................,
~ d . I FINANTEin omen1u ..............................................................................................................................
programul de studii/specializarea ·····················~·····································································
FINANTE $1 BANCI
...................................................................................................................................................,
....~.~-~········ credite de studio (ECTS).
Se confera toate drepturile legale titularului diplomei.
SECiRE, ~EF,
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DECAN
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-4 © ROMDIDAC SA/ RA lmprimeria Bancii Naionale a Romaniei 17-6-10 la

2. REZULTATELE EXAMENULUI DE LICENTA
'
Proba Nota Nr.
credite
Cuno~tinte generale ~i de specialitate
FINANTE $1 BANC! 8.00 5
(?-Pt)
' ·'
.. ·.. .... .. ··'·
(In cifre ~i litere)
Lucrarea/proiectul de licenta
IMPOZITAREA COMPANllLOR TN ROMANIA- MIJLOC DE 10.00 5
STIMULARE A INITIATIVE! PRIVATE ( zece)
(in cifre ~i litere)
Media examenului de licenta 9.00'
( noua)
(In cifre ~i litere)
DE.C11r. ,
Jktt
SECRETAR SEF FACULTATE,
Rezultatele la examenul de licena se completeaza, dupa caz, pentru una sau doua probe.
Media examenului de licena se calculeaza ca medie aritmetica a probelor, cu doua zecimale, flira rotunjire, numai daca este cazul.

3. uniele de familie la na§tere
Fainily name(s) at birth
ata na§terii (ziua/luna anu
ofbiith (day/month/year)
13/01/1990
Numarul matricol I Codul numeric personal (CNP)
Student enrolment number I P ersonal Identification number
1.4 ~1~~=14=2-68~~~~~==29_0=01.~13~2=26~7~08=~·]
.•.2. INFORMATll PRIVIND CAUFICAREA.
. INFORMATION IDENTIFYING THE . QUALIFICATION.
a calificarii §i (daca este cazul) titlul acordat (dupa promovarea examenului de finalizare a studirlor)
a ualification and (if applicable) title awarded (after passing the final examination) .
INANTE $ 1BANC!; LICENTIAT IN $TllNTE ECONOMICE
/NANCE AND BANKING; DIPLOMA SCIENCE ECONOMIST
P,rogramul de studii I speCiali:iarea
. .Programme of studv / .specialization
2.2b!FINANTE $1 BANC!
/NANCE AND BANKING
20081.s J
~--~---,---;
·Nu~ele §i statutul institutiei de invatam~nt superi •.• •Facultatea care organizeaza examenul de finalizare a
corda diploma (in limba r()mcina) studiilor
Facult .. administedn . the.final examination
2 3
b RELATll COMERCIALE $1 FINANCIAR-BANCARE INTERNE $1
• INTERNATIONALE
OMESTIC ANDINTERNATIONAL BUSINESS ADMINISTRATION BANKING
ND FINANCE
.·.·. . Lev$U;ifqµf.1/ffication .· ...·············· ......·.··.·.···
3.·1··.·•.fTUDI! UNIVERSITARE DE uc·E=cN""'T""A~~.
~ACHELOR DEGREE
Conditii de admiti;ref lnscr iere
flcc~sS..Jf?.qqJ;~mer1t_ (s) -----· --·______.__ _______.. -------~---- __--···- -----------------------·---·----~---~---
3.3PIPLOMA DE BACALAUREAT -· CONCURS DE ADMiTERE
FiGHscHooCci'R'ADUA.-noivci'·fmFicAT£·:;.-;;:0M1.ssioiv EXAM- -----------·---- - - - - -- -
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4. 2900113226708
·· ·•·• · • 4. INFORMATll PRIVIND CURRICULUMUL $1 REZl.JLTATELE OBTINUTE ...•...•...•.•...,,.,.,..........
F.orma.de invatamao~
riif'IUdi4.1 I
, ' ;LL ATTENDANCE
INFORMATION ON THE CURRICULUM AND RESULTS GAINED
Competentele asigurate prin programul de studii
Competences achieved by graduation ofthe programme ofstudy
4.2 COMPETENTE GENERALE
- Cunoa:;;terea, intelegerea :;;i utilizarea conceptelor, metodelor fundamentale de cercetare :;;i abordarilor specifice domeniului.
- ldentificarea, colectarea :;;i prelucrarea de informatii cantitative :;;i calitative cu privire la activitatile, fenomenele §i procesele specifice
domeniului.
- Explicarea :;;i interpretarea fenomenelor, proceselor, starilor :;;i tendintelor specifice activitatii economice la nivel micro :;;i macroeconomic.
Capacitatea de a lucra independent sau in echipa cu scopul elaborarii de analize argumentate :;;tiintific §i pentru solutionarea adecvata a·
problemelor constatate.
- Utilizarea adecvata a tehnologiei informatice pentru redactarea de documente :;;i rapoarte §i pentru procesarea corespunzatoare a
informatiilor.
- Capacitatea de identificare :;;i evaluare a oportunitatilor :;;i riscurilor specifice domeniului.
- Comunicarea verbala :;;i scrisa, in scop profesional, in eel putin o limba de circulatie internationala.
COMPETENTE DE SPECIALITATE
- Cunoa:;;terea, intelegerea §i utilizarea conceptelor, teoriilor §i modelelor economico-financiare in analiza §i pregatirea deciziei in domeniile:
finante publice, finante corporative, asigurari, banci, burse de valori §i domenii conexe.
- lntelegerea :;;i utilizarea in comunicarea profesionala scrisa :;;i verbala din cadrul organizatiei :;;i intre organizatii, inclusiv in cadru international,.
a limbajului financiar-bancar de specialitate.
- Utilizarea de modele, metode, tehnici :;;i indicatori de analiza financiara/audit :;;i de interpretare a rezultatelor acestora.
- Capacitatea de a utiliza instrumente de natura cantitativa :;;i calitativa specifice profilului, in fundamentarea de proiecte :;;i programe, precum
in derularea :;;i managementul acestora.
GENERAL COMPETENCES
- Knowledge, understanding and use of concepts, fundamental research methodology and field-specific approaches.
- Identifying, collecting and processing quantitative and qualitative data regarding activities, phenomena and processes specific for
field.
- Explaining and interpreting phenomena, processes, states and trends specific to macro and microeconomic activities.
- Ability to work independently or in a team in order to draw up scientifically-supported analyses and appropriate solutions for identified
issues.
- Adequate use of information technology in drawing up documents and reports and appropriately processing information.
- Ability to identify and assess opportunities and threats.
- Oral and written professional communication in at least one language of international wide-spread use.
SPECIALIZED (SPECIFIC) COMPETENCES
- Knowledge, understanding and use of economic-financial concepts, theories and models in performing analyses and decision-making in
following fields: public finance, corporate finance, insurance, banks, stock exchange and related fields.
- Understanding and use of specialized finance-banking vocabulary in oral and written professional communication undertaken within and
between organizations.
Use of financial analysis/auditing models, methods, techniques and indicators and interpretation of their results.
- Ability to use quantitative and qualitative tools specific to this field in grounding projects and programs, as well as in developing and ·
managing them.

5. I
I
J00113226708
.Det<,11ii privind programul absolvit, calificativele 1notele I creditele ECTS obtinute
Programme details and the individual grades imarks I ECTS credits obtained 11.accor.·-d..i.n..1.,a
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2J Total ore
Number of hours
Nola
Grade
···•··•·.·· " :: ' '
Nr. credite
No. ofECTS .
Nr. Denumirea disciplinei
i<No Subject
credits
f-C-u-rs~S_e_m~L-a-b~P-r +S~e-m~I ~S~e-m~l+I --Se_m__l[~em-11 .....••
C S LP p 1st sem 2nd sem
151
sem I nd sem ········'·'IL
I
Anul I anul universitar 2008 / 2009 ?
I . 1st year of study 2008 1 2009 academic year Ui
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I> l,N/ICROECONOMICS }
28 28 0 0I• 2 l::IAZELE CONTABILITATll
li=UNDAMENTS OF ACCOUNTING
8 5
I> 3 NFORMATICA ECONOMICA
> ECONOMIC INFORMATION SYSTEMS
28 0 28 0 9 5
Ii 4 MATEMATICI APLICATE IN ECONOMIE 28 28 0 0 10 4 <
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1
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1 5 IOCONOMIE MONDIALA 28 14 0 0 8 4
WORLD ECONOMY
6 MANAGEMENT
> MANAGEMENT
I! 7 LIMBA ENGLEzA SI TEHNICI DE COMUNICARE I
I/ ENGLISH AND COMMUNICA·T-10-N- TE_C_H_N_l_Q_U_E_S_I_ ______________ _ ___ ___,
8 MACROECONOMIE
I MACROECONOMICS
I> 9 STATISTICA
I > STATISTICS
1> 10 flNANTE PUBLICE
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28 28
28 28
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1/ 11 CONTABILITATE FINANCIARA 28 28 0 0 6 5
I> li=/NANCIAL ACCOUNTING
1 12 COMUNICARE $1 RELATll PUBLICE
COMMUN/CATION AND PUBLIC RELATIONS
13 PREPT
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14 ..,IMBA ENGLEZA $1 TEHNICI DE COMUNICARE II
'ENGLISH AND COMMUN/CATION TECHNIQUES II
1 3J Promovat cu media:
3J Pass averaae arade oer academic vear:
Anul 11
2nd year of study
1 BAZELE MARKETINGULUI
J::UNDAMENTS OF MARKETING
> 2 MONEDA
ECONOMICS OF MONEY
8.78
28 0 0 0
28 0 0 0
0 28 0 0
Total credite I Total ECTS credits:
anul universitar 2009 / 2010
2009 / 2010 academic year
28 28 0 0 6
28 28 0 0 5
8 3
9 4
10 3 '
60
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4
6
3 ECONOMETRIE 28 28 0 0 10 5 •}
ECONOMETRICS .:·:.
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J 4 l=INANTELE FIRMEI 28 28 0 0 8 5
CORPORATE FINANCE
5 -IMBA ~I CORESPONDENTA COMERCIALA ENGLEZA I
ENGLISH AND COMMERCIAL CORRESPONDENCE I
.•·:· 6 IMBA SI CORESPONDENJA COMERCIALA FRANCEZA/GERMANA/SPANIOLA I
0 28 0 0 9 3
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0 28 0 0 8 3
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7 NVESTITll INTERNATIONALE 28 0 0 0 5 4 '
llNTERNATIONAL INVESTMENTS 1 i
8 W>OLITICI $1 STRATEGll DE MARKETING 22 11 0 0 9 4
1
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l,N/ARKETING POLICIES AND STRATEGIES
, 9 EFICIENTA INVESTITllLOR
lfNVESTMENT EFFICIENCY
10 ~NALIZA ECONOMICO-FINANCIARA
lf=CONOMIC FINANCIAL ANAL YS/S
22 22 0 0
22 22 0 0
I 11 NSTITUTll DE C_R_E~D_l~T_ ___ _ ___ _ _________________ _ _____, 22 22 0 0
CREDIT INSTITUTIONS
12:fMBA ~I CORESPONDENTA COMERCIALA ENGLEZA II 0 22 0 0
5
8
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t--~E~N'~G=L~/~S~H~A~N~D~C=O~M~M=E~R~C=~~L~C~O=R~R=E~S=P~O~N~D=E=N~C~E~/=1 ~~~~~~~~~----------+--~t--c-=--t~-+--=---t----+--co-t---+-~--; i
,...· 13 IMBA $1 CORESPONDENTA COMERCIALA FRANCEZA/GERMANAISPANIOLA II 0 22 0 0 9 3
1_--+--R_E_N~C~H~~G~E_R_M_A_N_/.~SP_~_N_l_S_H_A_N_D_C_O_M_M_E_R_C_~_L_C_O_R_R_E_S_P_O_N_D_E_N_C_E_ll____________-+~--+--~-f---cc--+~---+-----+~c--t--t--c--J· ·
14 PRACTICA DE SPECIALITATE 0 0 0 90 10 3
SPECIALIZED INTERNSHIP

6. ,.,,.,,,,,., ,,
,2,900113226708
Anul 111 anul universitar 2010 I 2011
3rd 2010 / 2011
5 GESTIUNE BANCARA 28 14 0 0 7 5
l/3ANKING ADMINISTRATION
6 MANAGEMENTUL AFACERILOR INTERNATIONALE I 28 28 0 0 10 5
' ,
NTERNA TIONAL BUSINESS MANAGEMENT I
7 PIETE DE CAPITAL
-
24 24 0 0 8 5
I·
8
CAPITAL MARKETS
""INANTE INTERNATIONALE 24 12 0 0 7 5
NTERNA TIONAL FINANCE
9 ~ELATll FINANCIAR-MONETARE INTERNATIONALE II 24 24 0 0 10 6
NTERNATIONAL FINANCIAL-MONETARY RELATIONS II
10 CONTROL $1 AUDIT FINANCIAR 24 24 0 0 10 5
t:INANCIAL AUDITING AND CONTROL
11 POLITICI MONETARE EUROPENE 24 12 0 0 6 5
EU CURRENCY POLICIES
12 ELABORARE PROIECT DE LICENTA 0 0 0 24 9 10
BACHELOR PROJECT PREPARAT/ON
13 MANAGEMENTUL AFACERILOR INTERNATIONALE II 24 24 0 0 9 6
NTERNA TIONAL BUSINESS MANAGEMENT II
3) Promovat cu media:
8.61 Total credite I Total ECTS credits: 7331 Pass averaae arade oer academic vear:
Promovat: Da
I
4) Media de promovare a anilor de studii (ponderata cu puncte de credit): I 8.46 ' I 8.46 Total credite: 196 1
Pass: Yes 4) Overall average grade (credit-weighted average): Total ECTS credits:
Planul de invatamant are o structura complexa, bazata pe o succesiune logica a disciplinelor clasificate in discipline fundamentale, de specialitate
(obligatorii sau optionale) ~i complementare (optionale sau facultative), care Tmbina aspectele teoretice cu evolutia practicii de specialitate. in afara .
cursurilor, seminariilor, laboratoarelor, pregatirea cuprinde stagii de practica de specialitate (clinici de specialitate) care se desfa~oara atat in cadrul
universitatii, cat ~i in institutii publice sau entitati private. Sistemul de evaluare include, in general, o evaluare pe parcurs ~i o evaluare finala.
Rezultatele sunt exprimate in cuno~tinte. competente. valori ~i atitudini care se obtin prin parcurgerea ~i finalizarea programului de studii.
The syllabus has a complex structure, based on a logical succession of subjects classified as basic subjects, specialized subjects (mandatory or
optional) and complementary subjects (optional or supplementary), they combine theoretical issues with the evolution of specialized practice. Besides
courses, seminars, lab classes, training equally includes sessions of specialized practice (specialized clinics) taking place within universities as well
.·. as public or private institutions. The assessment system generally includes a gradual evaluation and a final one. Results are expressed in knowledge,
skills, values and attitudes to be acquired by covering and concluding the study program.
Sistemul de notare ~i, daca sunt disponibile, informatii privind distribuia statistica a notelor
'
Grading scheme and, if available, grade distribution guidance
4.4 ' '
Notarea unei discipline se face pe o scala de la 10 la 1, notele acordate fiind numere lntregi; nota minima de promovare este 5, iar
nota maxima este 10. •·
Media minima de promovare a anilor de studii pentru promotia 2011
domeniul de studii FINANTE
,.,.,.
.programul de studii I specializarea FINANTE $1 BANC!
este 5.79 , iar media maxima este 10.00 , titularul fiind clasat pe locul 57 dintr-un total de 265 absolventi. '
Grades are integer numbers and given on a scale from 10 (the highest grade) to 1 (the lowest grade); the lowest passing grade is 5.
The passing overall average grades for the class of 2011 '
field of study in FINANCE
study programme I specialization in FINANCE AND BANKING are: lowest average:
5.79 (out of 10) and highest average 10.00 (out of 10). The degree holder is ranked 57 out of 265 graduates. 4

7. .JNFORMATll SUPLIMENTARE .
ADDITIONAL INFORMAT/ON
PROF.UNIV.DR. OVIDIU FOLCUT
PROF.UNIV.DR. VALERIU POTECEA
571:.0 04.12 .2012...... ............/.... .................
Acest document contine un numar de
6
3JMediaanuala, cu doua zecimale, fara rotunjire.
3) Average grade per academic year with two decimals andwithout rounding off.·
4J Media generala, cu .doua zecimale, fara rotunjire.
4) O verall average grade with two decimals and without rounding off
.rau.ro; relatii.publice@rau.ro; 0401021-3183577; 18, Expozitiei Avenue,
ucharest, Romania.
Secretar i;;ef universitate
University Registrar
ING. ALINA-CARMEN CHIRIAC
Secretar i;;ef facultate I departament
Faculty RegistrarI Department Registrar
NORA IONESCU
5) Se va cornplei8 de cii:re institutia care a asigurat !}colarizarea tituiarului, menionandu-se num8rui de pagini ale documentului.
0; To be filled in by i'hH inst1tutio,'7 2dm1:'1ts:ering studies indicating aiso the number of pa;;es. o! this documen:.
Dip!om;;, suppfemfint s!;aii oe primed on both sides ofan A4 paper format and shall be numbered ar:d stamp ..d on each page on the right bottom come1: ·
[
II
s~p:icnentui la dip:orna se va.re~Jac,ta pe format A4 (fa:il/v€%O),.se Ya numer~t3 ~i .sc. Ya §tampi!a p<: fie:a;,, ::,;;~'inii, pe col;ul din dreapta jos.
L ·~~~--~--~---~"'"-~~~~~~5~··~'

8. 2900113226708
8. INFORMATllPRIVINDSISTEMULNATIONAL DE iNVATAMANT*
INFORMAT/ON ON THE NATIONAL EDUCATION SYSTEM
age
- 31
Continuing Professional Training • Formare continua
* - baccalaureate entrance only
- 29 t ! ! .l a
PhD studies
-24 Ciclul Ill · Studii universitare de doctorat (Diploma de doctor)
Master studies Post
-22 Ciclul II - Studii universitare de masterat (Diploma de master)
*
secondary
~
education
Bachelor studies -
*
-- 18
Ciclul I - Studii universitare de licenta (Diploma de licenta) -Upper secondary education Upper secondary education Upper secondary education Vocational
- 16
General education Technical
Military, artistic, theological,
education
sports, pedagogical
Lower secondary education
-- 10 Primary education
-6
-- 4
Kindergarden
EDUCATION SYSTEM IN ROMANIA
.OVERVIEW OF THE NATIONAL HIGHER EDUCATION SYSTEM
Access to higher education is based on the baccalaureate diploma (12 years of study) and access to master programmes is based on the BA I BSc I BEng degree.
Bachelor studies presuppse 180-240 credit points, calculated in accordance with the European Credit Transfer System (ECTS)
MA I MSc I MEng studies presuppose 90-120 credit points, calculated in accordance with the European Credit Transfer System (ECTS). Exceptionally, depending on the
duration of the bachelor studies, the lower ECTS limit can be 60 transferable credits.
For professions regulated by European norms, regulations or good practices, BA I BSc I BEng and MA I MSc I MEng studies can be provided as part of a 5 to 6 year
full-time programme of study, thus diplomas are recognised as master's degree certificates (the following fields of study are considered: Medicine - 360 ECTS,
Dentistry· 360 ECTS, Pharmacy - 300 ECTS, Veterinary Medicine - 360 ECTS, Architecture - 360 ECTS and Urban Planning - 300 ECTS).
PhD studies result in a doctoral research thesis, while successul candidates are awarded a PhD diploma.
The Romanian higher education system is an open system. All Romanian accredited universities use the European Credit Transfer System (ECTS).
Academic distance learning programmes shall be organised for the authorised and accredited programmes of study.
· Universities also provide continuing professional training programmes based on the market demand and on the professional retraining needs.
•in conformitate cu modificarile introduse in sistemul de invaamant superior de Legea nr. 288/2004
According to the changes brought to the higher education system by Law no. 288/2004
289ci91541bd14
'