ERB Retail Services is one of the leaders of the Romanian credit cards market, with a market share of over 15% and 400,000 credit cards issued, while also holding a top position in the point-of-sale financing segment. In 2004, ERB Retail Services launched, through the EuroLine credit card, the first in-store financing solution in Romania in a moment when credit card business was at its very beginning in the country. Today, EuroLine is probably the most sold credit card, with more than 1 million Romanians who have used it over time. The reason for this success is ERB Retail Services’ three-fold strategy focused on the relationship with the customer, the relationship with the merchant partners and the continuous enhancement of the product. The company managed to build an extensive, countrywide presence through long-term partnerships with more than 300 local merchants and the most important retailers in the market. At the same time, it offers online loans for purchases of goods and services from leading e-shops. EuroLine is a complete product by which customers can access a consumer loan directly in the store and which they can later use as a classic credit card, making best use of its associated benefits, such as interest-free or light installments, cash back, permanent and seasonal loyalty programs developed in collaboration with our merchant partners or offered by MasterCard. In 2015, ERB Retail Services was ranked within the ‘Top 100 Private Companies in Romania’ conducted by the English-language publication Business Review. ERB Retail Services is a member of Eurobank Group, a European banking organization with total assets of € 66.4 billion (December 2016) and majority private capital. Eurobank Group is one of the four pillars of the Greek banking system, while at the same time it holds a strategic position in retail and business banking in Romania, Bulgaria and Serbia, offers distinguished Wealth Management services in Cyprus, Luxembourg and London.