Abstract:

Strategic guidelines for commercial banks in Romania in 2010 on sales targets have been reduced compared to 2009, considering the estimated market evolution in 2010, sales of credit history in the fourth quarter 2009, and the restrictive impact of new risk reduction measures Lending implemented since that quarter. To achieve these volumes, it uses an attractive pricing for unsecured loans, depending on customer pricing difference with / without history in relationship with commercial banks and direct mail campaigns. To stimulate sales officer with insurance attached complex, complex insurance remains multiplier attached. During the year, sales volumes will be supported by direct mail campaigns, as well as an integrated marketing campaign. Also new advantages of collateralised lending products (property insurance offered free and for purchase of new mortgage on residential property) will be arguments distinguished from competing products.