FIRST BANK S.A.

FIRST BANK S.A. is a Romanian joint‑stock credit institution providing retail, SME, and corporate banking services under the authorization and supervision of the National Bank of Romania, and it participates in the Bank Deposit Guarantee Fund, which protects eligible deposits up to the equivalent of EUR 100,000 per depositor per bank. The bank offers current and savings accounts in RON and major foreign currencies, term deposits, debit and credit cards issued under international card schemes, domestic RON payments, SEPA euro transfers, and cross‑border payments via SWIFT, alongside lending products such as mortgages, consumer loans, overdrafts, and business financing including working capital lines, investment loans, guarantees, trade finance, cash management, and foreign exchange services. Distribution is through branches in key urban areas, a contact center, and digital channels (internet and mobile banking) supporting account management, payments, card controls, beneficiary management, and strong customer authentication/3‑D Secure in line with PSD2 requirements; APIs for licensed third‑party providers are available under open‑banking rules. For RON lending, pricing commonly references the IRCC benchmark plus a margin, while fees, foreign‑exchange spreads, and interest rates are published in the bank’s official tariff and vary by product, customer segment, and channel. Account opening and lending are subject to standard KYC/AML procedures, income documentation, and creditworthiness assessments; availability for non‑residents and specific corporate structures depends on internal risk policies. The institution publishes annual financial statements in accordance with IFRS and reports capital and liquidity metrics consistent with local and EU prudential frameworks; product features, pricing, and service levels may change, and customers should review the latest terms on the bank’s website. Deposit protection covers eligible sight and term deposits; investment and insurance products, if distributed through the bank, are not covered by the FGDB. The bank operated previously under the Piraeus Bank Romania brand before rebranding as First Bank in 2018.