Alpha Bank Romania - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Romania | May 30, 2018
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Excel Sheet

Alpha Bank Romania's non-performing loans reached 13.7% of total loans at the end of 2016, down from 16.6% compared to the previous year. Historically, the NPL ratio hit an all time high of 21.1% in 2011 and an all time low of 0.071% in 2007.

Provision coverage amounted to 68.0% at the end of 2016, up from 63.3% compared to a year earlier.

The bank created loan loss provisions worth of 0.828% of average loans in 2016. That's compared to 2.33% of loans the bank put aside to its cost on average in the last five years.

Comparing Alpha Bank Romania with its closest peers, Banca Commerciala Romana operated at the end of 2016 with NPL ratio of 12.8% and provision coverage of 78.4%, BRD Groupe Societe Generale with 12.8% and 88.8% respectively and Raiffeisen Bank Romania had 7.70% of bad loans covered with 59.4% by provisions at the end of 2016.

You can see all the bank’s data at Alpha Bank Romania Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2010 2011 2012 2013 2014 2015 2016 2017
Alpha Bank Romania % 21.1% 15.9% 15.3% 16.5% 16.6% ...
Banca Commerciala Romana % 21.5% 27.7% 30.6% 24.7% 18.9%
Banca Transilvania % 17.8% 12.7% 13.8% 17.8% 15.8%
BRD Groupe Societe Generale % 16.8% 21.3% 24.8% 20.3% 17.0%
CEC Bank % ... ... 30.5% 31.0% 26.8% 21.5% ...
Garanti Bank Romania % ... ... ... ... 11.9% 11.2%
OTP Bank Romania % 10.7% 11.2% 12.5% 11.9% 7.96%
Piraeus Bank Romania % 24.9% 29.1% 52.5% 41.5% 11.2%
Raiffeisen Bank Romania % 7.26% 8.59% 10.7% 9.08% 8.60%
UniCredit Tiriac Bank % 9.86% 17.2% 17.7% 16.7% 17.3%
AVERAGE % 15.5% 16.3% 19.3% 23.2% 19.7% 14.6% 11.5% 8.97%