2016 08 MAR
Press release How to do banking at feminine: female clients are ever more financially emancipated, with a wealth in rise and organized with personal finances

Women using the services of Banca Comercialǎ Românǎ (BCR) are trading more often and more by card on POS, collect income in their account more regularly than men and are keener to shop offline and online, according to the company’s updated data.

The profile of BCR female client shows dynamism, modernity and especially financial emancipation. Out data shape up the portrait of a woman trading without using cash, who is frequently shopping, but also saving, who is accustomed with bills automatic payment and who is choosing internet banking. Such a well-balanced, constructive and innovating financial behavior proves us that each BCR female client is hiding an entrepreneur”, declared Dana Demetrian, BCR Retail Vice President.

Women stand for 49.4% of the total BCR clients, and the profile of the bank client shows that the monthly income (salary or pension type) of the misses or ladies are in rise compared to the minimum net monthly salary per economy. In addition, they also collect income in their account more regularly than men do.

The number of female clients of Banca Comercialǎ Românǎ using private banking services (accessible to those having more than EUR 200,000 in their account) increased by 8% in the last year. One of three BCR clients using private banking is a woman and women who use these services own 30% of total assets in the management of this segment. One third of the female clients of Banca Comercialǎ Românǎ using private banking make placements in investment funds.

Women save more than men, outrunning them in term deposits.

Women’s appetite for the improvement of the living standard of the whole family place them first when we talk about shopping, as they are the main debit card owners of the BCR portfolio. The attention and care for the current needs of the family can be seen in the women’s monthly expenses list, which shows their consistent concern to provide high quality services. We are talking about better education services for children, high quality medical services for the whole family, improvements or refurbishments of the house, or even the payment in due time of monthly bills, which most women are paying directly from their account, through Direct Debit service.

BCR female clients are trading more often and more by card on POS then men and have a high propensity to internet banking, one of three BCR clients using such services being a woman. At the same time, 56% of the bank female clients with internet banking use authentication by token or e-token.

Women using the internet banking services of Banca Comercialǎ Românǎ access their account twice a month on average and perform operations at least once a month, and 8% of them use this service only on mobile phone.

As for the business women in the BCR portfolio, most of them have companies in trade, production and services. Over one quarter of micro companies of Romania are managed by women and most entrepreneurs in this sector operate in Transylvania

*  *

Banca Comercială Română (BCR), 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, private pensions and housing banks. BCR is Romania’s No. 1 bank in terms of asset value (€14,4 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 BCR their main banking partner.

BCR uses a network of 22 corporate business centers and 23 mobile offices devoted to corporate clients, and 509 retails units located in most communities inhabited by at least 10,000 citizens in order to provide a full range of financial products and services. BCR is Romania’s No. 1 bank running on the banking transactions market, since BCR customers have the largest ATM network at their disposal – nearly 2,000 ATMs and 13,500 POS terminals, enabling customers to use their cards for shopping purposes, as well as the complete Internet Banking, Mobile Banking, Phone-banking and E-commerce services.

*  *

Erste Group is one of the main suppliers of financial services in Eastern European Union. About 46,500 bank officers working in 2,800 branches in seven countries (Austria, the Czech Republic, Croatia, Hungary, Romania, Serbia and Slovakia). At the end of the first trimester of 2015, Erste Group reported a total asset pool worth €202,6 bn. and a 56.1% cost-to-income ratio. First-ranking common equity index (Basel 3 implemented integrally) has improved to 10.2%.

*  *

BCR – External Communication

Alina Daneasa, e-mail: alina.daneasa@bcr.ro

For more details about the products and services provided by BCR, please use one of the coordinates below to contact us:

InfoBCR

Web: www.bcr.ro

Email: contact.center@bcr.ro

TelVerde: 0800.801.BCR (0800.801.227), toll-free from all national networks.

×
George
Download