Banca Comerciala Romana (BCR) is a leading Romanian universal bank and a subsidiary of Erste Group. It offers a wide range of financial services including retail, corporate & investment banking, treasury, and capital markets. BCR also operates in leasing, private pensions, and mortgages. The bank targets both individual and corporate clients across Romania. Its unique selling proposition is its extensive network of services, including over 318 retail units and nearly 2000 ATMs, providing comprehensive financial solutions through digital platforms like internet and mobile banking[1][2][4].