PORSCHE BANK ROMANIA S.A.

Porsche Bank Romania S.A. is a Romanian credit institution within Porsche Finance Group Romania, affiliated with Porsche Bank AG (Austria) and part of the Salzburg-based Porsche Holding group. It operates under authorization and supervision of the National Bank of Romania and participates in the national deposit guarantee scheme (FGDB), which covers eligible deposits up to the statutory limit per depositor per bank. The bank’s business model is specialized, focusing on financing for new and used vehicles, dealer and inventory financing, and associated services distributed mainly through the Volkswagen Group dealer network (Volkswagen, Audi, Skoda, SEAT/Cupra, Porsche) and partner channels. Retail banking capabilities are limited; deposit-taking, where offered, is typically concentrated in term deposits rather than full current-account and card services, and operating hours and access are oriented around digital and dealer-based touchpoints rather than a broad branch network. Loan structures, disclosure, and early repayment conditions follow Romanian consumer credit and lending regulations, and standard onboarding involves KYC/AML checks and creditworthiness assessments. Customers can expect digital document exchange and remote service options, with account and contract information available through online or phone support channels; the bank publishes annual financial statements and regulatory reports in line with local and EU requirements. As a captive finance bank, its risk profile is more concentrated in the automotive sector than a universal bank, and funding typically combines customer deposits with group or wholesale sources, which can influence pricing and product availability. This setup suits borrowers seeking vehicle-related financing aligned with dealer processes and depositors interested in fixed-term placements with Romanian deposit protection, but it is not positioned as a full-service retail bank. Complaints can be escalated through the bank’s procedures and, if needed, to the National Bank of Romania or relevant consumer protection bodies.