TOP 100 banks
Products / Services
BCR provides full range of banking services to: individual clients, corporate clients, including small and medium-sized enterprises (SMEs) and institutional clients. BCR products and services launched in the period 2010-2011 include: payment of budget taxes
through the Internet and telephone banking services of BCR; debit card ZAMBET BCR; web portal for small enterprises - www.bcrclubantreprenori. ro; real estate web portal - www.bcrimobiliare.ro; electronic billing through the e-Factur@ service.
Capacity
BCR is headquartered in Bucharest, the capital of Romania. The bank operated a network of 643 branch offices,
more than 2,200 ATMs and 18,000 point-of-sale (POS) terminals countrywide by the end of June 2012.
Markets & Sales As of May 2012 BCR extended loans for a total of 1.0 billion euro under the Prima Casa (First Home) government guaranteed scheme. In 2011 BCR SA’s non-performing loans (NPL) remained manageable, weighing 20.6% of the total loan portfolio. The main contributor to new NPL volumes was the corporate segment. In 2009-2011 BCR extended loans of a total of 428 million euro to local and foreign companies such as Romania’s telecommunication group RCS & RDS SA, steel tube manufacturer TMK Artrom SA, crude edible oil producer Prio Extraction SRL, medical services provider Med Life SA, pharmacy chain Farmaciile Dona, Bucharest’s International Airport, hydro power producer Hidroelectrica SA, drugs distributor A&D Pharma, Mechel OAO (Russia) and Martifer SGPS SA (Portugal) for the development of a 42 megawatt wind park in southeastern Romania. In the period 2008-2011 BCR, European Bank for Reconstructin and Development (EBRD) and the European Investment Bank (EIB) signed loan agreements to finance projects of Romanian SMEs for a total of 340 million euro. BCR deposits of customers (in billions of lei)
BCR loans and advances to customers (in billions of lei) Client Public sector
2011
2010
2009
5.101
6.606
5.449
Corporate customers
24.856
21.083
18.500
Private customers
21.152
20.919
22.565
BCR loans and advances by industry (in billions of lei) 2011
2010
2009
Banking and Insurance
Industry
0.710
0.801
0.867
Manufacturing
8.299
7.549
7.384
Construction
5.747
4.930
4.145
Wholesale/Retail
4.053
3.685
3.813
Agriculture and Forestry
1.496
1.444
1.632
Transport and communications
1.881
0.876
0.949 0.105
Health and social work
0.192
0.103
Real estate
1.855
1.720
0.755
Energy and water supply
1.184
0.898
0.593
Client
2011
2010
2009
Hotels and restaurants
0.397
0.415
0.472
Corporate customers
9.884
9.916
9.589
Mining
0.266
0.330
0.094
Retail customers
29.059
27.371
26.236
Other
-
0.565
0.833
Investments
In the period 2008-2011 BCR Group’s investments amounted to more than 800 million lei (195 million euro). Since it stepped in Romania, Erste Group has invested more than 8.5 billion euro in the country.
Financial Information The financial results are non-consolidated and in millions of lei
2011
2010
2009
Total loans
47 997
46 617
45 084
Total deposits
59 685
56 190
52 244
TOTAL ASSETS
73 884
69 945
64 527
Issued capital
2 881
2 357
2 120
TOTAL EQUITY
7 847
7 120
6 355
Net interest income
3 619
3 257
3 654
Net fees and commissions income
551
441
659
Net profit/loss
245
732
1 111
ROE
3.12%
10.28%
17.48%
ROA
0.33%
1.05%
1.72%
Total Liabilities / Total Equity
8.41
8.82
9.15
Net credits (loans) / Total assets
0.65
0.67
0.70
Loan / Deposit ratio
0.80
0.83
0.86
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