In mediul economic incert generat de pandemie, multi romani au cautat optiuni sigure si profitabile pentru a economisi bani. Astfel, interesul crescut pentru solutiile de economisire oferite de TBI Bank a fost unul previzibil. Depozitul in lei pe 15 luni, un produs consacrat si apreciat atat de clientii online, cat si de cei din sucursala, a devenit alegerea principala în primele 9 luni din 2021.
Depozitul oferit de TBI Bank, una dintre cele mai profitabile si dinamice banci din regiunea Europei de Sud-Est, are o rata a dobanzii de 4% si este ales de aproape 50% din portofoliul de deponenti ai bancii. Motivul care sta la baza acestor decizii este ca tot mai multi clienti cauta optiuni de economisire sigure pe termen mediu si lung, care genereaza un randament suficient de bun pentru a acoperi inflatia, exact ce ofera si TBI – una dintre cele mai bune oferte de pe piata, asigurata de Fondul de Garantare a Depozitelor Bancare pana la 100.000 de euro. În plus, în loc sa ofere acest produs doar clientilor noi si dupa scadenta sa fie reevaluat la rate de dobanda mai mici, depozitul pe 15 luni de la TBI se prelungeste automat pentru aceeasi perioada la rata dobanzii aplicabila la momentul scadentei – atat pentru clientii noi, cat si pentru cei existenti.
Acest instrument special de economisire a fost introdus anul trecut si este disponibil atat online, cat si în agentiile bancii. „Depozitul pe 15 luni a devenit si mai popular in acest an, continuand tendinta observata în 2020 si fiind acum alegerea preferata de multi dintre clientii TBI Bank. Aceasta evolutie poate fi explicata prin faptul ca suntem atenti la nevoile clientilor si oferim o dobanda excelenta, posibila datorita operatiunilor noastre eficiente si simple, cat si modelului nostru de afaceri phygital, care ne permite sa impartim economiile din costuri cu deponentii nostri. Testarea pe piata a depozitului pe 15 luni a avut un mare succes, motiv pentru care am decis sa il punem la dispozitia publicului larg prin intermediul unei campanii TV inedite, cu scopul de a creste constientizarea în randul publicului cu privire la economisire – cum economisesc oamenii de obicei si cum obtin un randament bun din economiile lor”, a declarat Lukas Tursa, SVP Funding.
TBI Bank a raportat o crestere de peste 20% in cadrul portofoliului de depozite retail pentru anul 2020, mult peste rata medie de crestere a pietei, în timp ce numarul de clienti a crescut cu 40%, reflectand astfel interesul pentru economisire al consumatorilor romani in anul pandemic. În 2020, depozitele online au fost cel mai popular produs pentru clientii TBI, inregistrand o dublare a cererilor, lucru explicat în principal prin valoarea adaugata pe care mediul digital o aduce acestora.
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