{"id":3750,"date":"2025-11-07T10:59:21","date_gmt":"2025-11-07T08:59:21","guid":{"rendered":"https:\/\/bucharestfuture.eu\/?p=3750"},"modified":"2025-11-07T11:03:11","modified_gmt":"2025-11-07T09:03:11","slug":"istoria-bancii-comerciale-romane","status":"publish","type":"post","link":"https:\/\/bucharestfuture.eu\/ro\/eternal-3750-istoria-bancii-comerciale-romane","title":{"rendered":"Istoria B\u0103ncii Comerciale Rom\u00e2ne"},"content":{"rendered":"\n<p>Banca Comercial\u0103 Rom\u00e2n\u0103 este una dintre cele mai mari b\u0103nci din Europa Central\u0103 \u0219i de Est, conform revistei \u201eThe Banker\u201d. Institu\u021bia, cu sediul central \u00een Bucure\u0219ti, ofer\u0103 o gam\u0103 larg\u0103 de servicii, precum \u0219i gestioneaz\u0103 o serie de companii specializate. Majoritatea clien\u021bilor \u00ee\u0219i \u00eencredin\u021beaz\u0103 fondurile anume B\u0103ncii Comerciale Rom\u00e2ne. Mai multe pe <a href=\"https:\/\/bucharestfuture.eu\/ro\">bucharestfuture.eu<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Istoricul form\u0103rii<\/h2>\n\n\n\n<p>P\u00e2n\u0103 la c\u0103derea regimului comunist, \u00een Rom\u00e2nia func\u021biona un sistem bancar centralizat, subordonat B\u0103ncii Na\u021bionale. Nu existau \u00eentreprinderi comerciale clasice de acest tip.<\/p>\n\n\n\n<p>Banca Comercial\u0103 Rom\u00e2n\u0103 a fost fondat\u0103 \u00een 1990. Aceasta a fost creat\u0103 pe baza activelor fostei structuri bancare de stat \u0219i era subordonat\u0103 Ministerului Finan\u021belor. Sediul central al institu\u021biei a fost construit \u00een centrul Bucure\u0219tiului.<\/p>\n\n\n\n<p>Pe parcursul urm\u0103torului deceniu, organiza\u021bia a deschis mai multe filiale \u00een capital\u0103, cre\u00e2nd un complex de administrare central\u0103. Num\u0103rul total de sucursale pe \u00eentreg teritoriul \u021b\u0103rii ajungea la peste 200 de unit\u0103\u021bi.<\/p>\n\n\n\n<p>\u00cen 1998, la Chi\u0219in\u0103u a fost deschis\u0103 o subsidiar\u0103 a B\u0103ncii Comerciale Rom\u00e2ne. \u00cen anul urm\u0103tor, organiza\u021bia a absorbit cea mai mare banc\u0103 din \u021bar\u0103 la acel moment, numit\u0103 \u201eBancorex\u201d.<\/p>\n\n\n\n<p>\u00cen 1999, organiza\u021bia devenise cea mai mare banc\u0103 din Rom\u00e2nia dup\u0103 active, credite \u0219i depozite.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-43.jpeg\" alt=\"\" class=\"wp-image-3736\" srcset=\"https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-43.jpeg 1024w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-43-300x200.jpeg 300w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-43-768x512.jpeg 768w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-43-696x464.jpeg 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Transformarea func\u021bion\u0103rii<\/h2>\n\n\n\n<p>La \u00eenceputul anilor 2000, la sediul central din Bucure\u0219ti al B\u0103ncii Comerciale Rom\u00e2ne au fost introduse o serie de noi func\u021bii \u0219i servicii:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introducerea sistemului de bancomate \u0219i emiterea cardurilor de plat\u0103 electronice;<\/li>\n\n\n\n<li>Crearea cardurilor de debit Visa \u0219i Mastercard;<\/li>\n\n\n\n<li>\u00cenfiin\u021barea unei structuri subsidiare specializate \u00een asigur\u0103ri \u0219i leasing.<\/li>\n<\/ul>\n\n\n\n<p>\u00cen etapa de preg\u0103tire a ader\u0103rii Rom\u00e2niei la Uniunea European\u0103, banca a trebuit s\u0103 \u00eendeplineasc\u0103 anumite condi\u021bii privind modernizarea func\u021bionalit\u0103\u021bii. \u00cen special, au fost introduse standarde moderne de contabilitate \u0219i raportare, care facilitau integrarea pe pia\u021ba financiar\u0103 european\u0103.<\/p>\n\n\n\n<p>Banca Comercial\u0103 Rom\u00e2n\u0103 era de importan\u021b\u0103 strategic\u0103 pentru guvern \u0219i investitorii majori.<\/p>\n\n\n\n<p>\u00cen 2005, autorit\u0103\u021bile de la Bucure\u0219ti au v\u00e2ndut pachetul majoritar de ac\u021biuni al b\u0103ncii companiei austriece \u201eErste Group\u201d. La acel moment, a fost cea mai mare opera\u021biune de privatizare din istoria Rom\u00e2niei, care a contribuit la o reorganizare total\u0103 a proceselor bancare. Astfel, au avut loc o serie de schimb\u0103ri:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introducerea noilor tehnologii;<\/li>\n\n\n\n<li>Digitalizarea activit\u0103\u021bilor interne;<\/li>\n\n\n\n<li>Dezvoltarea online banking-ului;<\/li>\n\n\n\n<li>Suport telefonic pentru clien\u021bi;<\/li>\n\n\n\n<li>Lansarea proiectelor de educa\u021bie financiar\u0103 a popula\u021biei.<\/li>\n<\/ul>\n\n\n\n<p>Treptat, Banca Comercial\u0103 Rom\u00e2n\u0103 s-a transformat \u00eentr-o companie universal\u0103, care ofer\u0103 clien\u021bilor servicii financiare de diverse tipuri (creditare, asigur\u0103ri, investi\u021bii, constituirea de depozite etc.).<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1574\" height=\"1040\" src=\"https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-44.jpeg\" alt=\"\" class=\"wp-image-3739\" srcset=\"https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-44.jpeg 1574w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-44-300x198.jpeg 300w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-44-768x507.jpeg 768w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-44-1536x1015.jpeg 1536w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-44-696x460.jpeg 696w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-44-1068x706.jpeg 1068w\" sizes=\"auto, (max-width: 1574px) 100vw, 1574px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Prezentul<\/h2>\n\n\n\n<p>\u00cencep\u00e2nd cu 2010, a \u00eenceput digitalizarea activ\u0103 a B\u0103ncii Comerciale Rom\u00e2ne, ceea ce a transformat-o rapid \u00eentr-unul dintre liderii tehnologici din Europa de Est.<\/p>\n\n\n\n<p>Conducerea sediului central al b\u0103ncii din Bucure\u0219ti, \u00eempreun\u0103 cu reprezentan\u021bii companiei \u201eErste Group\u201d, au implementat o platform\u0103 bancar\u0103 digital\u0103, dezvoltat\u0103 pe baza nevoilor utilizatorilor.<\/p>\n\n\n\n<p>Datorit\u0103 eforturilor B\u0103ncii Comerciale Rom\u00e2ne, la Bucure\u0219ti a fost creat centrul inova\u021bional \u201eInnovX\u201d, care se ocup\u0103 de promovarea <a href=\"https:\/\/bucharestfuture.eu\/ro\/eternal-3535-cum-a-obtinut-un-startup-bucurestean-1-milion-de-euro\">startup-urilor<\/a>.<\/p>\n\n\n\n<p>\u00cencep\u00e2nd cu 2020, a \u00eenceput implementarea sistemelor de plat\u0103 contactless, a autentific\u0103rii biometrice \u0219i a posibilit\u0103\u021bii de a deschide un cont de la distan\u021b\u0103.<\/p>\n\n\n\n<p>La nivelul anului 2025, sediul central al B\u0103ncii Comerciale Rom\u00e2ne continu\u0103 s\u0103 activeze \u00een Bucure\u0219ti \u0219i atrage activ speciali\u0219ti \u00een analiz\u0103 financiar\u0103 \u0219i tehnologii informa\u021bionale. Corpora\u021bia de\u021bine peste 300 de puncte de retail \u00een ora\u0219ele mari din Rom\u00e2nia, majoritatea dintre acestea sus\u021bin\u00e2nd pl\u0103\u021bile f\u0103r\u0103 numerar. Clien\u021bii b\u0103ncii au acces la cea mai mare re\u021bea de bancomate din \u021bar\u0103.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-45.jpeg\" alt=\"\" class=\"wp-image-3742\" srcset=\"https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-45.jpeg 800w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-45-300x200.jpeg 300w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-45-768x513.jpeg 768w, https:\/\/cdn.bucharestfuture.eu\/wp-content\/uploads\/sites\/69\/2025\/11\/image-45-696x465.jpeg 696w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Banca Comercial\u0103 Rom\u00e2n\u0103 este una dintre cele mai mari b\u0103nci din Europa Central\u0103 \u0219i de Est, conform revistei \u201eThe Banker\u201d. Institu\u021bia, cu sediul central \u00een Bucure\u0219ti, ofer\u0103 o gam\u0103 larg\u0103 de servicii, precum \u0219i gestioneaz\u0103 o serie de companii specializate. Majoritatea clien\u021bilor \u00ee\u0219i \u00eencredin\u021beaz\u0103 fondurile anume B\u0103ncii Comerciale Rom\u00e2ne. Mai multe pe bucharestfuture.eu. Istoricul form\u0103rii [&hellip;]<\/p>\n","protected":false},"author":510,"featured_media":3746,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1153],"tags":[2568,2566,2558,2569,2570,2572,2567,2573,2406,2571],"moimportance":[30,33],"motype":[1155],"moformat":[18],"class_list":{"0":"post-3750","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-arhitectura","8":"tag-banca-comerciala-romana","9":"tag-banca-nationala","10":"tag-erste-group","11":"tag-innovx-2","12":"tag-mastercard-2","13":"tag-ministerul-finantelor","14":"tag-piata-financiara","15":"tag-plata-fara-numerar","16":"tag-uniunea-europeana","17":"tag-visa-2","18":"moimportance-golovna-novyna","19":"moimportance-retranslyacziya-v-agregatory","20":"motype-eternal","21":"moformat-vlasna"},"_links":{"self":[{"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/posts\/3750","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/users\/510"}],"replies":[{"embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/comments?post=3750"}],"version-history":[{"count":1,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/posts\/3750\/revisions"}],"predecessor-version":[{"id":3765,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/posts\/3750\/revisions\/3765"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/media\/3746"}],"wp:attachment":[{"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/media?parent=3750"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/categories?post=3750"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/tags?post=3750"},{"taxonomy":"moimportance","embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/moimportance?post=3750"},{"taxonomy":"motype","embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/motype?post=3750"},{"taxonomy":"moformat","embeddable":true,"href":"https:\/\/bucharestfuture.eu\/ro\/wp-json\/wp\/v2\/moformat?post=3750"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}