Raicu CristinaRadu StefaniaRadoi Mihaela

Savu OanaScaunas Alexandru

BCR is currently the most important financial group in Romania, including foreign operations of universal bank (retail, corporate & investment banking, treasury and capital markets), as well as specialized companies on the leasing market, assets management, private pensions, housing banks and banking services through mobile phone.

• Type: Private Company• Founded: 1990• Key people: Tomas Spurny (CEO),

Martin Skopek (ExecutiveVice President Retail & Private Banking)

Bernd Mittermair (Executive Vice President Finance),

• Industry: Finance and Banking• Products: Ioans, deposits, insurance, asset

management software• Total assets: over 17 billions euro (2012)

Banca Comercială Română (BCR), is a member of Erste Group.  Erste Group was founded in 1819 as the first Austrian savings bank. Now more than 50,000 employees are serving around 17 million clients in over 3,000 branches in 8 countries.  Erste Group is one of the largest financial services providers in Central and Eastern Europe.

Banca Comercială Română S.A. is organised in accordance with the law as a joint-stock company, and operates in accordance with under applicable law on commercial companies as well as banking legislation in force.

Is an organization that serves both its

direct scrolling banking processes and their

management achievements.

Shareholder certificatesShareholder certificates are evidence only of the status of

the holder of the certificates as a shareholder of the Bank and are issued in accordance with the legislation on commercial companies

Shareholder Certificates are issued with in a maximum of thirty days from the date of receipt of a written request from a shareholder, and are signed by two members of the Management Board.

The Bank's share capital

The subscribed and paid up share capital of the Bank is 792,468,750.00 LEI divided into 792,468,750 nominative shares with a nominative value of 1.00 LEU each, held by Erste Bank der oesterreichischen Sparkassen AG, the Financial Investment Companies “Banat Crisana”, “Moldova”, “Transilvania”, ‘Muntenia” and ‘Oltenia” and other legal and natural persons holding minor participations, in accordance with the law.

History

• 1990 – Banca Comerciala Romana is established by taking over the commercial operations of the National Bank of Romania

• 1998 – BCR opens a subsidiary in Chisinau, the Republic of Moldova

• 1999 – BCR absorbs Bancorex

• 2001 – BCR Leasing is launched on the Romanian market

• 2003 – BCR privatization by selling the block of shares to EBRD and IFC

• 2005 - BCR Asigurari de viata is established

• 2006 – Austrian bank Erste Bank finalizes the acquisition of Banca Comerciala Romana. Erste Bank bought 61.8825%* of the BCR shares from the Romanian Government, EBRD and IFC, paying EUR 3.75 billion.

• 2007 – BCR Administrare Fond de Pensii enters the Romanian market

• 2008 – Banca Comerciala Romana sells its insurance operations to Vienna Insurance Group

• 2008 – BCR Banca pentru Locuinte enters the Romanian market

• 2009 – BCR adopts a Medium Term Notes (MTN) issuing program – with a total value of EUR 3 billion.

Services-Retail Current Account Package from BCR With the new Current Account Pachages from BCR, you will have all you need for your daily banking operations, since you can:• pay your utilities invoices and/or your loan installments• go shopping with your card• charge mobile telephone cards• receive or transfer money in Romania and abroad• open deposits• withdraw money• And many other things. You can do all these at super convenient prices

and you will also have a lot of comfort while doing it!

Debit Card

BCR Maestro RON BCR Visa Electron

Smile Visa Smile Maestro

BCR Visa Clasic RON BCR Visa Clasic USD

BCR Visa Clasic EUR

Bill Payment

->Click 24 Banking Means of access and schedule:

– Click 24 Banking BCR is accessible 24/7 and can be accessed directly through www.24banking.ro

Method to identify and authorize transactions through Click 24 Banking BCR:– For identification, the unique OTP codes are used (One Time Password) generated by the Token device– To authorize operations through Click 24 Banking BCR, unique DS codes are used (Digital Signature)

generated by the Token device

The maximum value of the transactions• 10.000 EUR/transaction (or equivalent at BNR exchange rate valid on the operation date) for Click 24 Banking

BCR

Advantajes• zero fee to pay bills to suppliers having signed a convention with the bank• comfort and safety in performing banking operations on any computer with Internet access• permanent contact with the bank through securitized message service

->Standing order

CharacteristicsStanding Order  is a service allowing you to transfer fix amounts, on fix dates from your current account to other accounts without having to fill in templates every time. The bank will automatically transfer from your current account the due amount, on a date you establish. In addition, you can cancel the operation anytime you want.Advantages• you have more time for yourself as you

no longer stay in line at bank desks• you no longer worry about monthly

payments (loan installments, leasing, TV and Internet subscription). Just make sure you have money in your account and the bank pays your bills.

• you save regularly:  take MAXICONT BCR savings account and the bank automatically transfers your pre-set amount from your current account into your savings account

->ATM

Service available for BCR card owners (private

individuals and companies) of cards issued in lei or foreign currency.

Clients (companies) may perform payments representing the equivalent value of the invoices issued by the suppliers of utilities/services (electricity, water, gas, cleaning, fixed and mobile phone, cable TV etc.) only for the bills the respective company must pay.

->Direct Debit Caractheristics• clients may contract this service in an inter-bank service, in RON or foreign

currency, as well as in an inter-bank system in RON, either in capacity of beneficiaries under an engagement regarding direct debiting, or in capacity of payers under a direct debiting mandate

• have the possibility to attach several payment obligations for a direct debiting mandate related to an engagement regarding direct debiting

• A means of payment of an amount of money agreed between the payer and beneficiary    

Advantages• zero commission for payment made by Direct Debit intra -bank in RON or foreign

currency         • saving time, by being able to make some regular payments without going to the

bank• flexibility in: possibility of initiation and cancellation of intra-bank direct debit

mandates in USD, EUR and USD, via Click 24 Banking BCR and Alo 24 Banking BCR• avoiding the risk of not paying in due time some providers

->Mobile Transactions helps you pay your utilities bills directly from the mobile phone,

with no need to access Internet .

Characteristics• Any client who holds a BCR current account in RON or a BCR current account package can activate the Mobile

Transactions service• This service may be accessed anytime and anywhere 24/7 from any type of mobile phone

Advantages• 0 commission for payment of invoices – by using BCR supplier templates• 0 commission for service administration• Accessing the service does not imply the access to mobile internet• Comfort for payment of invoices by using the any type of mobile phone with card phone or a subscription to

one of the following operators: Orange, Vodafone and Cosmote• Time saving and independence to the working hours and location of utilities suppliers• The operations are performed in real time, by the simple confirmation of the information inserted, before the

carrying out of the respective operations• Safety - after the carrying out of the operations, the Bank send an confirmation message both on the mobile phone

screen and through SMS

Transfer of funds and other services

->Fast Transfers within Erste Bank Group  Represents a service through which the international payments and collections in EUR, initiated by clients within Erste Bank Group, are carried out quickly and with lower costs compared to standard ones. Advantages• Rapidity, by crediting the account of

the beneficiary in the day of payment• Efficiency, by reduced costs

compared to standard payments• Accessibility, without restrictions on

transfers values

->Cross Currency Service - Payments and Collections

Advantages• Without additional fees  to those

related to payment or collection operation, established depending on the currency of payment message and destination of payment/collection source

• Flexibility, by automatic conversion to/from the currency of bank account related to collection/payment operation

->Fast Money Transfer

->Cont Escrow Advantages• security for the parties involved in a

transaction  • the guarantee of using the sums strictly for

the purpose set  • discounting the sight interest for the sums

deposited in the account• the interest is paid to the buyer

->Travelers checks

Advantages• can be used anywhere in the world, as a

means of payment for the purchase of goods and services in stores, hotels, restaurants, etc.

• can be changed anywhere in the world, in the local currency of the country, of the bank or exchange office

• offers safety, by avoiding the concern of keeping and the risk of losing the cash (lost cheques/stolen can be replaced in 24 hours, if the client calls immediately to the telephone number from the folder received by the bank together with the Travellers cheques)

• they have no maturity date (are valid for an unlimited term)

• BCR accepts for payment (redemption) all types of travelers cheques submitted

Fees and commissionsYou can find out by a simple click how much it costs. It is so simple to see how much each operation in BCR costs you.

Services-RetailYour Personnel Account Your personal service To show our appreciation for the value that you bring us as a BCR client, we have developed the Personal Banking concept, dedicated exclusively to our clients who are natural persons and chose our saving and investing products with values ranging from EUR 40,000 and EUR 200,000, liberal professions and persons with influence on a local level.  Advantages• dedicated bank advisor• returns higher than your investments• new opportunities for investments• the first platform of  Investments Products and Services for Natural Persons to

perform real time transactions

Insurance and Protection Protect your home, assets, business and investments! Omniasig Vienna Insurance Group and BCR Asigurări de Viaţă Vienna Insurance Group provide you with a series of insurance products that comply with your diversified needs.

Life insurance and good protection Home insurance Car insurance

Keep your values in boxes (SEIF BCR)

Turnover Of BCR

BCR results for 2012

Subscribed and paid up capital of the Bank is 1.553.435.543,80 RON,divided into 15.534.355.438 normative actions,in nominal value of 0,1 RON

At 31 December 2012,the Bank’s shareholders were the following:

• EGB Ceps Holding GmbH 93,268624

• „Oltenia” Financial Investment Company 6,588843

• „Muntenia and Banat-Crisana” Financial Investment Company 0,001480

• Legal persons 0,141053

• Operating performance in 2012 reached RON 2,357.8 million (EUR 528.9 million), down by 3.3% in

• comparison to RON 2,437.1 million (EUR 574.6 million) in 2011.• Operating income in 2012 declined slightly by 2.2% to RON 4,040.5 million

(EUR 906.3 million), against• RON 4,132.7 million (EUR 974.3 million) in 2011.• Operating expenses at RON 1,682.8 million (EUR 377.4 million) in 2012 could

be reduced by 0.8% versus• RON 1,695.6 million in 2011 (EUR 399.7 million) despite significant restructuring

provisions booked in Q4 2012.• Cost-income ratio remained stable at 41.6% versus 41.0% in 2011, owing to

extensive optimisation• measures and strict cost management.• Net charge of risk provisions for loans in 2012 significantly rose by 68.3% to

RON 3,625.9 million (EUR

• 813.3 million). BCR records 4th consecutive quarter of improving NPL coverage ratio, now at 58.6%,

• significantly above 50.6% at year-end 2011.• On the back of peaking risk costs and ongoing restructuring, net loss of RON

1,234.7 million (EUR 276.9• million) was in line with the financial results in the first nine months of 2012.• BCR maintained leading position at 19.3% market share by assets, despite a

reduction in total assets by• 4.5% YOY to RON 73,287.6 million (EUR 16,489.5 million).• BCR has strong liquidity position and a sound capital base well above regulatory

minima: Tier 1+2 capital• ratio (IFRS) for BCR group at 18.6%, solvency ratio (local standards, bank

standalone) at 12.4%.