Romania is changing every day. Changes are more and more visible and sometimes it seems they are happening over night.

The economical challenges nowadays require flexibility and adjustment capacity. The company's survival itself depends on the adjustment capacity to an increasingly and rapidly changing environment without considering what is advantageous for the company.

To face the challenges and business opportunities, BCR currently delivers to its corporate clients cash management and lending solutions which are designed to match the specific business and requests.

Through an effective use of BCR's payments and cash management products and services, we help out clients to optimize their cash flows and better manage their available funds. Our products and services offer innovative, customized solutions to improve liquidity, reduce financing requirements and to increase return on funds.

We provide a wide range of products and services for cash management to our corporate clients including:

·         types of accounts (current accounts, deposit accounts, automatic overnight deposits) ·         all types of payments either in RON or in foreign currency, on paper or electronically ·         cash collection and/or transportation ·         remote banking services systems (MultiCash, e-BCR)

·         foreign exchange transactions ·         business cards and related services ·         electronic confirmation of the payment made in favor of the customs offices (BCR Expres Vama) ·         derivatives ·         investments in Treasury Certificates

Benefiting from its sixteen years experience of financing the Romanian economy, BCR is permanently available to offer its clients financing solutions from plain vanilla lending to structured finance deals, depending on the client's business complexity.

We have a various range of financing facilities in a flexible approach, with various tenors, in order to determine the best financing structure for the specific business of our clients. We offer our clients short, medium and long term credit facilities, denominated in RON or foreign currency, with variable or fixed rates.

For our clients with working capital financing requirements, we offer short and medium term facilities in the form of:

credit line overdraft facilities account facilities loans for state budget debts payment

"multiproduct" loan facility loans for payment instruments loans for (pre)financing exports agricultural loans

As a member of Factors Chain International, the most important factoring organization, BCR provides factoring financing, an alternative lending product that is offered to speed up and ensure the cash flow of the companies. Factoring consists of a package of services that includes: financing based on accepted export or domestic invoices, the administration and collection of receivables. The basis of export factoring is to protect the client against default risk from the part of debtors. The bank can assure this through its close relationship with the correspondent banks.

In order to fulfill the expansion strategy of our clients, we provide short, medium and long-term facilities for investment purposes in the form of:

investment loans loans for financial investments

mortgages loans for real estate promoters lease financing

Our specialized trade products portfolio includes:

forfeiting of commercial papers in foreign currency commercial papers discounting aval under payment instruments and other tailor-made facilities for import/export financing needs; documentary collection

import/export letter of credit standby letter of credit bank guarantees (payment guarantees, performance bonds, tender bonds, repayment guarantees, maintenance guarantees etc.)

Our lending solutions are customized to cover the financing gaps of the companies, thus enabling them to have the necessary liquidity to manage daily operations or to complete their investment plans.

In order to support our customers in choosing a financing solution in terms of European Union opportunities, BCR launched the EU Office BCR service which is offered through the bank's territorial units and the dedicated teams which are represented both at the Head Office and the BCR branches from the eight economic and social development areas of Romania.

Offering this product, BCR aims to inform its business partners with regards to accession implications over the business environment and the financing opportunities following the moment Romania becomes a member of the European Union.

We welcome our customers with all the experience gathered by the bank while carrying over    macro-economic as well as pre-accession programs, offering them the new EU Office BCR concept as a continuation of the business in which BCR is involved starting with 1992 (macroeconomic programs financed from state loans, budgetary funds as well as European Union pre-accession programs - PHARE, ISPA, SAPARD).

Besides the corporate banking portfolio of products and services, the corporate clients are provided with additional financial services including insurance, leasing, asset management and brokerage services offered by the BCR Group subsidiaries.

Each business represents a challenge for us. We want our clients to be successful in their business and for this reason our specially trained employees who work within our network of over 450 branches provide them with the help and support they need.