Banca Comerciala Romana (BCR), a member of Erste Group, is a universal bank serving both retail and corporate customers. Managing assets worth more than EUR 16,4 billion, BCR is the leading financial services provider in Romania and the most valuable Romanian financial brand. BCR is currently the most important financial Group in Romania, including operations abroad as well as leasing, saving & lending for housing purposes (housing bank) and private pensions subsidiaries.
BCR offers the full range of banking services including internet, phone banking and e-commerce solutions. The bank’s network numbers more than 665 retail branches and agencies (for individuals and micro companies) across the country in towns with more than 10,000 inhabitants. Corporate customers (SMEs and big companies) are serviced in 48 dedicated commercial centres. BCR operates the largest national ATM and POS network – over 2,000 machines and over 17,000 electronic terminals operational at merchants for card payments.
BCR’s strategic market positioning
- Excellent funding and liquidity provide strong support to maintain & expand market share
- No. 1 by total assets
- No. 1 by total loans
- No. 1 by total deposits
- Dominant presence on the municipality segment and solid SME customer base
- Awarded “Bank of the Year 2009” in Romania by The Banker in recognition of active support for customers throughout the crisis, efficient operations & good service quality, as well as leading role in driving shift from cash to non-cash transactions
Permanent innovation of products & services
- Solution for recharging Bucharest public transportation cards at BCR ATMs
- Partnership with largest local oil company to install ATMs in oil stations
- POSs in City Halls for local taxes payment
- Dedicated package for students
- Community package for NGOs & foundations
- Continuously upgraded alternative channels supporting shift to non-cash transactions
Strong development of BCR’ subsidiaries
- 44.5% market share in asset management
- Good position in pension fund administration: 1st on voluntary (~26% market share) on a par with ING & 7th on mandatory (~6% market share) in terms of customer base
- Savings-based building society subsidiary holds ~50% of specific market & 90% of new contracts in only 1.5 years from launching
- Ranking 2nd in leasing (~10% market share)
Dominic Bruynseels, CEO of BCR on the bank’s strategy
“Our strong position in the market supported by our balanced business model, good liquidity, sound lending policy, broad customer base and by our parent bank Erste Group enables us to further help our customers as we go forward through tough economic conditions. We have the capabilities to achieve better performance and we will continue focusing on improving the way we serve our customers and operate our business”.
BCR is the “Bank of the Year 2009” in Romania according to The Banker magazine
Erste Bank and Sparkassen and Ceska Sporitelna are the “Bank of the Year” in Austria and in the Czech Republic
Bucharest, 03.12.09 - The international finance magazine “The Banker“, of the Financial Times Group, one of the world’s most respected publications, named Banca Comerciala Romana as “The Bank of the Year 2009”. The trophy was handed over to BCR representatives by the Chief editor Stephen Timewell during the Banker’s Awards Gala 2009 which took place in London on Thursday evening 03.12.2009.
BCR’s nomination as the best bank in Romania is based on the performance of BCR in 2008 as well as in 2009 in a very difficult economic environment the Banker’s Editor Brian Caplen says. “BCR’s active approach to assisting customers manage their financing during the crisis helped the bank win market share. Efficient operations and good service quality have given the bank further momentum – the cost-to-income ratio fell by more than 15 percentage points in 2008,” says The Banker’s Editor Brian Caplen.
“The bank has also played a major role in accelerating the switch-over to electronic banking in Romania, and its strategic focus has not been derailed by the turbulent financial and economic conditions over the past year,” adds Mr. Caplen.
Commenting on the award Dominic Bruynseels, CEO of BCR says:
„In terms of challenges we have been through a perfect storm and come out the other side in good shape - the weather is still bad though! We kept our head in the Crisis and kept close to our customers - something we will need to do even more as the recession continues and hopefully recovery emerges. We have helped thousands of customers reconsider their plans and their financing requirements from us and tailored solutions for many to help them through. We remain regarded as the most trusted and leading Bank in the Romanian marketplace - something that the crisis only enhanced”.
Regarding BCR’s plans for the future Mr. Bruynseels underlines the customer oriented strategy of BCR as the leading bank in Romania. “Through the efforts of our colleagues to stay close to our customers and ensure we treat them fairly according to their condition in this difficult environment; to actively manage our credit risks and recoveries and finally to focus on the efficiency of our business and doing all this having the longer term interests of the business and of Romania as our guide” says Dominic Bruynseels.
It is pleasing to see that the Erste Group received a total of three awards this year: The Austrian “Erste Bank and Sparkassen” and the Czech “Ceska Sporitelna” were also awarded the title of “best bank” in their respective countries.
The distinction of “Bank of the Year in Romania” was awarded by a jury in which CEOs and managers of British companies, as well as several editors from “The Banker”, led by chief editor Stephen Timewell, were represented. “The Banker” is a London-based monthly magazine of the Financial Times Group specializing in banking. It is particularly aimed at the uppermost management levels and financial experts. In banking circles, the magazine is thus considered one of the most important source of information on the banking sector, and its rankings are a recognized benchmark in international banking.
PROIECTE DE RESPONSABILITATE SOCIALA
Sprijina copiii sa mearga la scoala
Credem ca educatia este esentiala pentru dezvoltarea unei societati. BCR si Salvati Copiii au un parteneriat de traditie in ceea ce priveste oferirea accesului la educatie al copiilor defavorizati: de patru ani, BCR sprijina financiar programul
A doua sansa, menit sa reintegreze in sistemul de invatamant copiii care au renuntat la scoala din cauza saraciei.
Pana acum, in acest program, peste de 10.000 de copii au fost sustinuti cu rechizite, consiliere si programe after-school pentru a se intoarce la scoala. Banii rezultati din aceasta campanie vor finanta programul A doua sansa, in care, anual, mii de copii si familiile lor beneficiaza de servicii sociale si educationale pentru a reveni la scoala.
START! Business este principalul nostru proiect de educatie antreprenoriala, dezvoltat impreuna cu Junior Achievement. Pe baza de voluntariat, angajatii BCR asigura consultanta echipelor de studenti care doresc sa invete din practica cum se conduce o afacere.
Pe durata primelor doua editii, peste 400 de studenti din 15 universitati si-au testat si dezvoltat abilitatile antreprenoriale in cadrul programului.
Trei proiecte de afaceri au primit titlul "Investitia anului" si cate un grant BCR de 1.500 Euro pentru dezvoltarea ideii de afaceri.
Mai mult, doua echipe a participat, cu sprijinul BCR, la competitia European Enterprise Challenge 2010 si 2011 din Sofia.
BCR Sperante
Exista multi copii dotati cu talent muzical, care nu-si pot dezvolta abilitatile din cauza dificultatilor financiare. BCR da credit talentului acestora si le ofera accesul la o educatie de calitate. BCR Sperante este un program care furnizeaza asistenta financiara copiilor talentati, in vederea dezvoltarii talentului acestora. Astfel, acestia au posibilitatea sa-si continue educatia muzicala cu profesori individuali si sa participe la competitii si festivaluri muzicale. Fiecare editie gazduieste o Gala caritabila, in cadrul careia sunt prezentati copiii si unde BCR isi incurajeaza angajatii, clientii si partenerii de afaceri sa sprijine financiar programul.
2011 – Anul Voluntariatului in BCR
BCR crede in puterea voluntarilor de schimba in bine comunitatile in care traiesc si muncesc. In urma rezultatelor sondajului intern si in contextul european, am dorit sa facem din 2011 Anul Voluntariatului si in BCR, promovand oportunitatile de voluntariat locale si initiativele personale ale colegilor pentru crearea unei culturi a voluntariatului in BCR.
Actiunea de voluntariat nationala
Banca de Alimente a insemnat: 22,4 tone de alimente donate, impachetate sau distribuite de peste 2000 de angajati BCR; 2.000 de familii cu dificultati materiale au primit alimente inaintea Pastilor; 31.000 de Euro este valoarea totala a alimentelor donate (contributiile angajatilor si ale BCR).
Ziua Implicarii in Comunitate a insemnat, pana acum, 12 actiuni de voluntariat initiate de colegi si sprijinite de BCR (actiuni de petrecere a timpului alaturi de copii abandonati sau cu dizabilitati, actiuni de ecologizare, participarea la actiuni sportive in scop caritabil).
Platforma Voluntar BCR inregistra, la trei luni de la lansare (august 2011): 110 ONG-uri care ofera peste 300 de oportunitati......
Pentru mai multe detalii si lista completa a proiectelor:
https://www.bcr.ro/csrro/Proiecte
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