Due to system updates, several of the bank’s services will be of-line in the following hours:

- the Internet and Mobile Banking services will be unavailable on 14th June 2019, between 23:30 – 05:30 (total duration: 6 hours)

- international payments through Internet Banking, Mobile Banking and Alo 24 will be unavailable on 15th June 2019, between 07:00 - 15:00 (total duration: 8 hours)

2017 21 AUG
Press release IRSOP Market Research & Consulting analysis: statistical data indicate that in places where there are more adult tenants than housing rooms, misunderstanding and fights are more frequent.

Bucharest, 21 august 2017 – „Overcrowded housing is one of the dramatic problems faced by Romanians. Those who live in apartment buildings are especially affected by this problem, as well as the large families with members who cannot separate because they do not earn enough to live separately. People living in overcrowded are more unhappy. We have data indicating that in places where there are more adult tenants than housing rooms, misunderstanding and fights are more frequent, people get angry and depressed, probably due to their lack of privacy. How do these persons rest? How do they eat? Where do they get ready for school or work? How do they manage the difference of opinions? What’s the spirit like out there? We can say that the topic of excessive density in the Romanian houses is completely missing from the public agenda“, declared Professor Petre Datculescu, IRSOP Market Research & Consulting Director.

   

IRSOP Market

Research & Consulting

  The influence of housing density on psychological stress  

 

Urban clients, %

Explanation: Respondents who complain that their homes are too small report psychological stress rates significantly higher than clients who indicate other housing deficiencies

State of stress

Too small homes

Other problems with the homes

Irritability

34

13

Concern

27

14

Impatience

25

11

Lack of privacy

23

3

Depression

16

6

Domestic dispute

16

2

Arguments

13

3

Base

139

528

„In apartment buildings, one in four clients lives in homes where the number of people is higher than the rooms. An IRSOP Market Research & Consulting analysis made for the Romanian Banking Association for Housing (ABDLR) reported on a higher density among young clients (18 – 34 years). There are cases in which, in a two or three bedroom apartment live together three generations”, declared Lucian Anghel, the president of BCR Banca pentru Locuinţe.

The analysis made by IRSOP Market Research & Consulting was conducted on data collected from 1.040 clients of the two banks of savings and crediting who saved for 5 years, but they have not requested a credit up to the present.

“Any person who has problems with their homes is at risk. Our studies indicate that poor families, with an income below the national average per household, hold a larger proportion of the housing problems than families with above-average income. Therefore, they live in difficult conditions and they have fewer resources to improve their housing quality”, said Professor Petre Datculescu.

    IRSOP Market Research & Consulting
  The income influence on the housing quality  

 

Households, %

Explanation: The proportion of respondents that have problems with housing is larger in poor households for all sections of problems, besides the housing size.

However the housing problems are systemic because they are present even in households earning above-average income.

Housing problems

Poor*

(46%)

Above-average income**

(44%)

Old

47

36

Needs rehabilitation

32

28

Not painted for long time

28

23

Problems with water and sewage

25

17

Insufficient natural light

22

18

Cold

23

15

Too small

15

18

Roof/terrace problems

16

13

Door, windows damaged

17

12

Dampness

16

10

Inside space needs to be redivided

15

8

Needs to be reinforced

17

8

Water leaking into the house

10

6

Base

478

457

 * Income below 3000 lei per household

 ** Income above 3000 lei per household

Recently, EFdeN (The Research Center for Comfort Conditions) released The Comfort Conditions Guide, with the support of BCR Banca Pentru Locuinţe (BCR BpL), whose purpose is to improve housing quality in Romania, comfort being defined as the status of good physical and mental mood, due to external influence, which can be of multiple kinds; however, the satisfaction as regards the inside environment is a subjective notion that depends on the physiology of each person. Buildings that are quite poor from the point of view of one or several comfort categories (thermal comfort, air quality, acoustic comfort, visual comfort) are quite frequent and in many cases we can talk about cases of Sick-Building-Syndrome.

*  *

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 (over 14,8 €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 18 mobile offices dedicated to corporate clients, and 513 retails units located in most 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 banking transactions market, since BCR customers have the largest ATM network at their disposal – over 2,000 ATMs and 15,200 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 46,700 bank officers working in 2,700 branches in seven countries (Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia) assist 15,9 mn. customers. Erste Group reported a total asset pool accounting for 206,8 bn. euro, a net profit of 1,18 bn. euro and a 13,2% cost-to-income ratio (Basel 3 integrally implemented) at the end of Q3 2016.

*  *

BCR – External Communication

Cezar Marin, e-mail: cezar.marin@bcr.ro

This information is also available on our website: www.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.

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