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BCR improves its credit offer for business owners
BCR improves its credit offer for business owners
09 Sep, 2013 12:55
ZIUA de Constanta
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Bucharest, September 9, 2013– The Romanian Commercial Bank (BCR) improves its credit offer for business owners, providing a credit solution to customers which cannot ensure sufficient material guarantees for contracting a credit.
Thus, the new solution is based on a guarantee of maximum 80% of the credit by FNGCIMM, for credits with a maximum reimbursement period of 36 months and with a maximum credit value of 300.000 lei. For these types of credits, the customer does not have to provide other guarantees, besides those that make up the structure of the product (FNGCIMM guarantee and collateral deposit).
“The initiative meets the need of customers that own well-managed businesses with growth potential, but are not able to provide adequate guarantees for contracting a credit to finance this growth. In the general context of a slow, but sustainable economic growth, supporting in this way the most dynamic segment of the client base, that of small companies, represents the winning solution for all parties involved”, declared Sorin Mititelu, CEO, Management of Retail Segments Department, BCR.
This facility is applied for every operational credit of the type Credit lines or Credit for working capital and which are destined to offer a credit for the entire current activity. The currency in which this facility is given is “leu” and the costs are the standard for these types of credits, competitive interests, starting from the ROBOR 1M/3M reference interest plus a margin of 4.5%-7.5%, depending on the financial status of the customer.
“Moreover, BCR is the only bank in the banking system offering this type of product for such a long period – 36 months – pursuing the backing of customers with the necessary work capital, on a period that’s sufficient to grow and consolidate their businesses”, added Sorin Mititelu, CEO, Management of Retail Segments Department, BCR.
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Thus, the new solution is based on a guarantee of maximum 80% of the credit by FNGCIMM, for credits with a maximum reimbursement period of 36 months and with a maximum credit value of 300.000 lei. For these types of credits, the customer does not have to provide other guarantees, besides those that make up the structure of the product (FNGCIMM guarantee and collateral deposit).
“The initiative meets the need of customers that own well-managed businesses with growth potential, but are not able to provide adequate guarantees for contracting a credit to finance this growth. In the general context of a slow, but sustainable economic growth, supporting in this way the most dynamic segment of the client base, that of small companies, represents the winning solution for all parties involved”, declared Sorin Mititelu, CEO, Management of Retail Segments Department, BCR.
This facility is applied for every operational credit of the type Credit lines or Credit for working capital and which are destined to offer a credit for the entire current activity. The currency in which this facility is given is “leu” and the costs are the standard for these types of credits, competitive interests, starting from the ROBOR 1M/3M reference interest plus a margin of 4.5%-7.5%, depending on the financial status of the customer.
“Moreover, BCR is the only bank in the banking system offering this type of product for such a long period – 36 months – pursuing the backing of customers with the necessary work capital, on a period that’s sufficient to grow and consolidate their businesses”, added Sorin Mititelu, CEO, Management of Retail Segments Department, BCR.
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Banca Comercială Română (BCR – the Romanian Commercial Bank), a member of Erste Group, is the most important financial group in Romania, providing universal banking operations (retail, corporate & investment banking, treasury and capital markets), and covering specialty companies working on the leasing market, asset management, private pensions, housing banks and mobile banking. BCR is Romania’s No. 1 bank in terms of assets (over 16 €bn.), in terms of client base and in terms of savings and crediting. BCR is also Romania’s most important financial brand, judging by the client trust rate and by the number of persons who consider that BCR is their main banking partner.
BCR uses a network of 22 corporate business centres and 23 mobile offices that are devoted to the companies and 562 retails units located in most of the communities inhabited by at least 10,000 citizens to provide a full range of financial products and services. BCR is Romania’s No. 1 bank running on the card and banking transactions market, since BCR customers have the largest ATM network at their disposal – over 2,200 ATMs and 15,000 POS terminals enabling customers to use their cards for shopping purposes, as well as the complete Internet banking, phone-banking and e-commerce services.
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Erste Group is the main supplier of financial services in the Eastern European Union. About 46,000 bank employees working in 2,900 branches in seven countries (Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia) assist 16.6 mn. customers. On June 30, 2013, Erste Group reported a total asset pool worth €210.2 bn., a net profit of €301.2 mn. and a 52,8% cost-to-income ratio.
BCR uses a network of 22 corporate business centres and 23 mobile offices that are devoted to the companies and 562 retails units located in most of the communities inhabited by at least 10,000 citizens to provide a full range of financial products and services. BCR is Romania’s No. 1 bank running on the card and banking transactions market, since BCR customers have the largest ATM network at their disposal – over 2,200 ATMs and 15,000 POS terminals enabling customers to use their cards for shopping purposes, as well as the complete Internet banking, phone-banking and e-commerce services.
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