EximBank

What EximBank does

Exim Banca Romaneasca S.A. is a privately held Romanian commercial bank founded in 1992 and headquartered in Bucharest, operating across 51 territorial units nationwide. The bank provides a full-spectrum offering to three primary segments: SMEs (the lead segment by stated strategy), corporate/large enterprises, and individuals/retail, plus a fourth niche serving beneficiaries of state-funded and EU-backed programs (notably APIA agricultural subsidy pre-financing and InvestEU-export schemes). Functional capabilities span working capital and investment lending, factoring (up to 90% of invoice value), documentary letters of credit, bank guarantees, treasury and FX (spot/forward/swap/NDF), EU project co-financing, retail deposits, personal loans, mortgages (including the government-backed 'Noua Casa' program), and card products tiered across Mastercard Standard/Gold/World.

The bank's revenue model combines traditional net interest margin (loans priced off ROBOR/EURIBOR/IRCC) with transaction and service fees, trade finance commissions, insurance distribution commissions (via EximAsig, Metropolitan Life, Garanta Asigurari), and fees from administering state/EU co-financed credit lines. Distribution is dual-channel: an enterprise field-sales motion through dedicated business centers and relationship managers targeting corporate/SME clients, layered with a digital-first retail motion via e-ximBanking internet/mobile banking, the EximPay biometric-authenticated mobile app, an ATM network, and a PSD2-compliant WSO2-based Open Banking API store. The bank differentiates through privileged access to supranational funding (EUR 50M EIB ceiling for SME/Corporate investment; EIF guarantee coverage of 30-70% under RRF SME Competitiveness and Sustainability products) and membership in Factors Chain International for cross-border factoring.

Customer acquisition leverages branch presence across 51 Romanian cities, content marketing through the corporate site, co-marketing with Mastercard (LoungeKey, Priority Pass, Priceless Cities, Business Bonus), and dedicated government program channels. The bank holds memberships in the Bank Deposit Guarantee Fund (FGDB) and is PSD2-, GDPR-, and MiFID II-compliant, with a subscribed and paid-up share capital of RON 803,675,412. Recent strategic emphasis has been on subsidised SME lending, EU-funded project co-financing, Romania-Ukraine trade corridors, and ESG-aligned green finance programs.

Name

EximBank

Legal name

Exim Banca Românească S.A.

Website

https://eximbank.ro

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Exim Banca Romaneasca is a privately held Romanian commercial bank founded in 1992, operating 51 branches nationwide. It serves SMEs, corporates, and individuals with lending, trade finance, factoring, EU-fund co-financing, treasury, and digital banking under the e-ximBanking and EximPay platforms.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Commercial banking services
• Trade finance solutions
• Corporate lending products
• SME banking services
• EU funds financing

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices51 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest margin on loans (corporate, SME, retail mortgages, personal loans) and interest paid on deposits. Reference rates include ROBOR, EURIBOR, IRCC for variable-rate products.
2. Transaction & Service Fees: Fees from current account administration, payment processing, card transactions, ATM withdrawals, interbank transfers, and documentary operations (letters of credit, guarantees, incasso).
3. Trade Finance Services: Revenue from documentary letters of credit, export/import financing, factoring services, and bank guarantees for international trade.
4. Insurance Distribution: Commission revenue from selling insurance products through partnerships with EximAsig, Metropolitan Life, and Garanta Asigurari for life, property, and credit insurance.
5. Government Program Administration: State-funded credit programs including EU co-financing, APIA agricultural subsidies pre-financing, and InvestEU guaranteed loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Exim Banca Românească is a Romanian commercial bank providing a comprehensive portfolio of corporate and SME banking (working capital and investment credits, factoring, treasury services, trade finance), retail banking (current accounts, deposits, personal loans, mortgages, cards), and specialized financing through EU funds, EIB and EIF-backed loan programs. Products and services are delivered through 51 territorial units across Romania alongside digital channels including the e-ximBanking internet/mobile platform and the EximPay mobile application for biometric payment authentication.

Product overview

Exim Banca Românească is a Romanian commercial bank offering a comprehensive portfolio of financial products and services through a multi-channel platform. The offering spans corporate banking (working capital and investment credits, factoring, letters of credit, treasury services), retail banking (personal loans, mortgages, deposits, cards), and specialized financing (EU funds, EIB funding, EIF-secured loans). Digital banking is delivered through e-ximBanking internet/mobile platform and EximPay mobile application. Trade finance capabilities include documentary letters of credit, incasso, and bank guarantees. Insurance products are offered through EximAsig partnerships. The bank participates in state guarantee programs and EU co-financing schemes, positioning it as a key lender for SMEs and export-oriented businesses.

Differentiator

Problem solved

Functional benefit

Brands

• EximPay: Mobile banking application for authorizing online payments and viewing transaction history.
• Mastercard Business
• Mastercard World
• Mastercard Gold
• Mastercard Standard
• e-ximBanking

Products and services

• Credit for Working Capital

Quantifiable outcome

• EIB funding provides reduced interest rates compared to standard lending
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

15 partnerships are on record, tiered strategic, flagship, core and minor.

• Bank Pivdenny (Ukraine)strategicStrategic or Co-development Partner · 28 April 2026Agreement to support Romania-Ukraine trade, facilitating cross-border commercial transactions between the two countries.
• Ogrezeni Hybrid Project ConsortiumflagshipStrategic or Co-development Partner · 3 March 2026Part of international banking consortium financing Ogrezeni, one of the largest hybrid projects in Europe.
• Maschio Gaspardo RomaniacoreChannel Partner/ Reseller/ Distributor · 27 October 2025Export securing services for agricultural equipment manufacturer, enabling safe international transactions.
• EximAsig (Exim Romania Insurance-Reinsurance)coreChannel Partner/ Reseller/ DistributorInsurance-Reinsurance company specializing in financial risks for export operations and internal commercial transactions. Bank distributes their products.
• Metropolitan LifecoreChannel Partner/ Reseller/ DistributorLife insurance products distributed through Exim Banca Romaneasca branches and digital channels.
• Garanta AsiguraricoreChannel Partner/ Reseller/ DistributorNon-life insurance products including Home Prudent, Credit Prudent distributed through the bank.
• MastercardcoreTechnology or IntegrationCard network for debit and credit cards including World, Gold, Standard tiers. Co-marketing through LoungeKey, Priority Pass, Priceless Cities, and Business Bonus programs.
• Western UnioncoreChannel Partner/ Reseller/ DistributorInternational money transfer services available through branch network for fast, reliable cross-border remittances.
• Taxback InternationalminorChannel Partner/ Reseller/ DistributorVAT recovery service for business travelers, allowing Mastercard Business cardholders to reclaim value-added tax from 44 countries.
• LoungeKeyminorChannel Partner/ Reseller/ DistributorAirport lounge access program for Mastercard Business and Business Premium cardholders at 800+ lounges in 500+ airports worldwide.
• Priority PassminorChannel Partner/ Reseller/ DistributorAirport lounge access through Business Premium Card, providing entry to 1,800+ locations worldwide including Romania airports.
• AvisminorGTM or Marketing PartnerCar rental partner offering 10-20% discounts and free class upgrades for Mastercard Business cardholders through Avis Preferred Club.
• HertzminorGTM or Marketing PartnerCar rental partner offering up to 10% discounts, free upgrades, and 500 Gold Plus Rewards points for Mastercard Business cardholders.
• WSO2coreTechnology or IntegrationAPI Manager platform (v2.6.0) powering the Open Banking API Store for PSD2 compliance and third-party integration.
• Factors Chain InternationalcoreStrategic or Co-development PartnerFull rights member enabling international standard export factoring services with access to global factoring network.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Banca Transilvania: Romania's largest bank by assets, offering the full suite of retail, SME, and corporate banking, with strong presence in EU-funded lending and government programs. Direct competitor for SME and corporate clients across the same 51+ city footprint, and a benchmark for EximBank's growth trajectory.
• BRD - Groupe Société Générale: Top-3 Romanian bank with deep corporate and retail franchise, owned by Société Générale. Directly comparable in SME lending, EU fund co-financing, and trade finance products, competing for the same corporate mandates and government program administration contracts.
• BCR (Banca Comercială Română): Part of Erste Group, BCR is a leading Romanian universal bank with strong SME and corporate banking, real estate financing, and government-backed lending programs. Closely comparable product mix and customer segments, with substantially larger scale.
• Raiffeisen Bank Romania: Universal bank serving retail, SME, and corporate clients in Romania under the Raiffeisen Bank International group. Directly comparable in retail deposit products, SME lending, and trade finance offerings.
• UniCredit Bank Romania: Subsidiary of UniCredit Group, providing corporate, SME, and retail banking in Romania. Direct competitor for trade finance, factoring, and large corporate clients, with deeper international network.
• ING Bank Romania: Major universal bank in Romania with strong digital banking proposition and direct competitor in retail deposit accounts, SME lending, and personal loans. Notable for its digital-first distribution model that challenges traditional branch-based banks like EximBank.
• CEC Bank: Romanian state-owned bank, historically the largest administrator of EU funds and government-backed lending programs. Direct competitor in APIA subsidy pre-financing, EU co-financing, and SME lending, with similar focus on state-program administration.
• Alpha Bank Romania: Mid-tier universal bank in Romania (part of Alpha Bank Group) offering retail, SME, and corporate banking. Comparable in product breadth and target segments, with similar challenge of competing against top-3 banks.
• Patria Bank: Smaller Romanian bank focused on SME and retail segments, recently taken private. Comparable in size tier and SME-centric product strategy, with overlapping customer base in regional cities.

Emerging players

• Libra Internet Bank: Romanian digital-first challenger bank focused on SMEs, professionals, and freelancers, with strong fintech integrations. Competes with EximBank for SME primary banking relationships, representing the digital disruption threat to traditional branch-based banking.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/eximbank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments6 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EximBank