Alpha Bank Romania

Alpha Romania's mortgage loans rose 6.80% to RON 4,510 mil in 2016

By Helgi Analytics - November 29, 2018

Alpha Bank Romania's mortgage loans reached RON 4,510 mil in 2016, up 6.80% compared to the previous year. Romanian banking sec...

Alpha Romania's net profit rose 528% to RON 115 mil in 2016

By Helgi Analytics - May 30, 2018

Alpha Bank Romania made a net profit of RON 115 mil under revenues of RON 578 mil in 2016, up 528% and 16.9% respectively compared to...

Alpha Romania's customer deposits rose 25.8% to RON 7,918 mil in 2016

By Helgi Analytics - July 16, 2018

Alpha Bank Romania's customer deposits reached RON 7,918 mil in 2016, up 25.8% compared to the previous year. Romanian banking ...

Profit Statement 2014 2015 2016
Net Interest Income RON mil 517 414 396
Fee Income (As % Of Revenues) % 9.41 14.4 13.2
Other Income RON mil 126 9.36 105
Total Revenues RON mil 710 494 578
Staff Cost RON mil 149 153 150
Operating Profit RON mil 347 85.1 208
Provisions RON mil 495 111 85.8
Net Profit RON mil -140 -26.8 115
Balance Sheet 2014 2015 2016
Interbank Loans RON mil 532 1,258 537
Customer Loans RON mil 10,489 10,396 10,336
Debt Securities RON mil 3,564 1,322 1,254
Total Assets RON mil 16,963 15,012 14,733
Shareholders' Equity RON mil 1,337 1,443 1,551
Interbank Borrowing RON mil 7,212 6,499 4,472
Customer Deposits RON mil 7,638 6,295 7,918
Issued Debt Securities RON mil 714 703 706
Ratios 2014 2015 2016
ROE % -9.32 -1.92 7.65
ROA % -0.840 -0.167 0.770
Costs (As % Of Assets) % 2.18 2.56 2.49
Costs (As % Of Income) % 51.1 82.8 64.0
Capital Adequacy Ratio % 16.2 23.6 22.1
Net Interest Margin % 3.11 2.59 2.66
Loans (As % Of Deposits) % 137 165 131
NPLs (As % Of Loans) % 16.5 16.6 13.7
Provisions (As % Of NPLs) % 70.8 63.3 68.0
Growth Rates 2014 2015 2016
Total Revenue Growth % 8.66 -30.4 16.9
Operating Cost Growth % -6.52 12.8 -9.55
Operating Profit Growth % 30.8 -75.5 144
Net Profit Growth % -498 -80.8 -528
Customer Loan Growth % -6.63 -0.889 -0.574
Total Asset Growth % 4.25 -11.5 -1.86
Customer Deposit Growth % 19.3 -17.6 25.8
Shareholders' Equity Growth % -19.4 7.88 7.51
Employees 2,183 1,954 1,895

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summary Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
income statement                                      
Net Interest Income RON mil                         684 580 528 522 517    
Total Revenues RON mil                         858 734 721 653 710    
Operating Profit RON mil                         486 356 339 265 347    
Net Profit RON mil                         135 29.0 -5.11 35.1 -140    
balance sheet                                      
Interbank Loans RON mil                         821 713 2,319 296 532    
Customer Loans RON mil                         14,146 12,552 11,725 11,234 10,489    
Debt Securities RON mil                         1,995 1,629 813 3,003 3,564    
Total Assets RON mil                         21,463 16,858 16,488 16,273 16,963    
Shareholders' Equity RON mil                         1,589 1,659 1,589 1,659 1,337    
Interbank Borrowing RON mil                         12,125 9,133 8,321 7,270 7,212    
Customer Deposits RON mil                         7,068 5,024 5,534 6,403 7,638    
Issued Debt Securities RON mil                         639 1,012 966 842 714    
ratios                                      
ROE %                         9.94 1.78 -0.314 2.16 -9.32    
ROA %                         0.631 0.151 -0.031 0.214 -0.840    
Costs (As % Of Assets) %                         1.75 1.97 2.29 2.37 2.18    
Costs (As % Of Income) %                         43.4 51.4 53.0 59.4 51.1    
Capital Adequacy Ratio % ... ... ... ...                 12.9 16.2 16.2 16.5 16.2    
Net Interest Margin %                         3.21 3.03 3.17 3.19 3.11    
Interest Income (As % Of Revenues) %                         79.6 79.0 73.2 79.9 72.8    
Fee Income (As % Of Revenues) %                         11.1 12.6 8.51 9.44 9.41    
Staff Cost (As % Of Total Cost) % ... ...                     41.1 40.2 38.9 37.5 41.2    
Equity (As % Of Assets) %                         7.40 9.84 9.64 10.2 7.88    
Loans (As % Of Deposits) %                         200 250 212 175 137    
Loans (As % Assets) %                         65.9 74.5 71.1 69.0 61.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ...         16.0 21.1 15.9 15.3 16.5    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ...         27.8 30.9 59.1 73.3 70.8    
income statement Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
income statement                                      
Interest Income RON mil                         1,225 1,074 955 863 770    
Interest Cost RON mil                         541 495 427 341 253    
Net Interest Income RON mil                         684 580 528 522 517    
Net Fee Income RON mil                         95.5 92.4 61.4 61.7 66.8    
Other Income RON mil                         79.3 61.6 132 69.6 126    
Total Revenues RON mil                         858 734 721 653 710    
Staff Cost RON mil ... ...                     153 152 149 146 149    
Depreciation RON mil ... ...                     25.3 26.4 24.0 18.2 16.9    
Other Cost RON mil                         194 199 210 224 196    
Operating Cost RON mil                         373 377 382 388 363    
Operating Profit RON mil                         486 356 339 265 347    
Provisions RON mil ... ...                     330 319 388 230 495    
Extra and Other Cost RON mil ... ...                     0 < 0.001 < 0.001 -0.277 0    
Pre-Tax Profit RON mil                         156 37.1 -48.7 35.8 -148    
Tax RON mil                         21.3 8.15 -43.6 0.743 -8.59    
Minorities RON mil                         0 0 0 0 0    
Net Profit RON mil                         135 29.0 -5.11 35.1 -140    
growth rates                                      
Net Interest Income Growth % ...                       13.2 -15.2 -8.91 -1.17 -0.936    
Net Fee Income Growth % ...                       34.0 -3.21 -33.5 0.374 8.37    
Total Revenue Growth % ...                       12.3 -14.5 -1.67 -9.47 8.66    
Operating Cost Growth % ... ... ...                   -5.03 1.25 1.33 1.42 -6.52    
Operating Profit Growth % ...                       30.5 -26.6 -4.85 -21.7 30.8    
Pre-Tax Profit Growth % ...                       105 -76.2 -231 -174 -514    
Net Profit Growth % ...                       107 -78.5 -118 -787 -498    
market share                                      
Market Share in Revenues % ... ... ...                   3.59 3.20 ... ... ... ... ...
Market Share in Net Profit % ... ... ...                   ... ... ... ... ... ... ...
Market Share in Employees % ... ... ... ... ... ...             3.66 3.60 3.57 3.68 3.78    
Market Share in Branches % ... ... ... ... ... ... ... ... ...       2.84 2.73 2.62 ... ... ... ...
balance sheet Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
balance sheet                                      
Cash RON mil                         4,233 1,683 1,430 1,559 2,183    
Interbank Loans RON mil                         821 713 2,319 296 532    
Customer Loans RON mil                         14,146 12,552 11,725 11,234 10,489    
Retail Loans RON mil ... ...                     4,798 4,769 4,921 5,117 5,252    
Mortgage Loans RON mil ... ... ... ...                 2,848 3,090 3,355 3,747 3,956    
Consumer Loans RON mil ... ... ... ... ...               1,827 1,549 1,445 1,314 1,190    
Corporate Loans RON mil ... ...                     10,006 8,659 8,016 7,471 6,621    
Debt Securities RON mil                         1,995 1,629 813 3,003 3,564    
Fixed Assets RON mil                         240 227 149 135 123    
Total Assets RON mil                         21,463 16,858 16,488 16,273 16,963    
Shareholders' Equity RON mil                         1,589 1,659 1,589 1,659 1,337    
Of Which Minority Interest RON mil                         0 0 0 0 0    
Liabilities RON mil                         19,874 15,199 14,899 14,613 15,626    
Interbank Borrowing RON mil                         12,125 9,133 8,321 7,270 7,212    
Customer Deposits RON mil                         7,068 5,024 5,534 6,403 7,638    
Retail Deposits RON mil ... ...                     4,142 3,171 3,700 4,309 4,356    
Corporate Deposits RON mil ... ...                     2,880 1,819 1,792 2,056 3,256    
Sight Deposits RON mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,223 1,513    
Term Deposits RON mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5,180 6,125    
Issued Debt Securities RON mil                         639 1,012 966 842 714    
Other Liabilities RON mil                         42.3 29.3 77.0 98.3 61.6    
asset quality                                      
Non-Performing Loans RON mil ... ... ... ... ... ... ... ...         2,367 2,839 2,054 1,934 1,959    
Gross Loans RON mil ... ...                     14,804 13,428 12,939 12,652 11,875    
Total Provisions RON mil ... ... ...                   658 876 1,214 1,418 1,386    
growth rates                                      
Customer Loan Growth % ...                       -3.30 -11.3 -6.59 -4.19 -6.63    
Retail Loan Growth % ... ... ...                   0.471 -0.615 3.19 3.99 2.65    
Mortgage Loan Growth % ... ... ... ... ...               8.52 8.50 8.57 11.7 5.58    
Consumer Loan Growth % ... ... ... ... ... ...             -11.0 -15.2 -6.75 -9.04 -9.43    
Corporate Loan Growth % ... ... ...                   -1.95 -13.5 -7.43 -6.80 -11.4    
Total Asset Growth % ...                       1.28 -21.5 -2.20 -1.31 4.25    
Shareholders' Equity Growth % ...                       41.8 4.41 -4.22 4.41 -19.4    
Customer Deposit Growth % ...                       -2.06 -28.9 10.1 15.7 19.3    
Retail Deposit Growth % ... ... ...                   23.9 -23.4 16.7 16.5 1.08    
Corporate Deposit Growth % ... ... ...                   -24.6 -36.8 -1.50 14.7 58.4    
market share                                      
Market Share in Customer Loans %                         6.76 5.63 5.19 5.14 4.97    
Market Share in Corporate Loans % ... ...                     9.56 7.51 6.75 6.65 6.28    
Market Share in Retail Loans % ... ... ... ... ...               2.50 2.19 2.14 2.11 2.07    
Market Share in Consumer Loans % ... ...                     4.70 4.57 4.71 4.96 5.14    
Market Share in Mortgage Loans % ... ... ... ...                 9.84 9.26 9.05 9.18 8.87    
Market Share in Total Assets %                         6.28 4.76 4.51 4.49 4.66    
Market Share in Customer Deposits %                         3.98 2.68 2.80 2.97 3.27    
Market Share in Retail Deposits % ... ...                     3.98 2.81 3.03 3.32 3.16    
Market Share in Corporate Deposits % ... ...                     4.62 2.92 2.93 2.90 4.05    
ratios Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
ratios                                      
ROE %                         9.94 1.78 -0.314 2.16 -9.32    
ROA %                         0.631 0.151 -0.031 0.214 -0.840    
Costs (As % Of Assets) %                         1.75 1.97 2.29 2.37 2.18    
Costs (As % Of Income) %                         43.4 51.4 53.0 59.4 51.1    
Capital Adequacy Ratio % ... ... ... ...                 12.9 16.2 16.2 16.5 16.2    
Tier 1 Ratio % ... ... ... ...                 9.39 10.1 11.9 11.9 10.6    
Net Interest Margin %                         3.21 3.03 3.17 3.19 3.11    
Interest Spread % ...                       3.03 2.79 2.89 2.96 2.96    
Asset Yield %                         5.74 5.61 5.73 5.27 4.63    
Cost Of Liabilities % ...                       2.71 2.82 2.84 2.31 1.67    
Interest Income (As % Of Revenues) %                         79.6 79.0 73.2 79.9 72.8    
Fee Income (As % Of Revenues) %                         11.1 12.6 8.51 9.44 9.41    
Other Income (As % Of Revenues) %                         9.23 8.40 18.3 10.7 17.7    
Cost Per Employee USD per month ... ... ... ... ... ...             1,643 1,752 1,618 1,689 1,643    
Cost Per Employee (Local Currency) RON per month ... ... ... ... ... ...             5,226 5,343 5,616 5,621 5,704    
Staff Cost (As % Of Total Cost) % ... ...                     41.1 40.2 38.9 37.5 41.2    
Equity (As % Of Assets) %                         7.40 9.84 9.64 10.2 7.88    
Loans (As % Of Deposits) %                         200 250 212 175 137    
Loans (As % Assets) %                         65.9 74.5 71.1 69.0 61.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ...         16.0 21.1 15.9 15.3 16.5    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ...         27.8 30.9 59.1 73.3 70.8    
Provisions (As % Of Loans) % ... ... ...                   4.65 6.98 10.4 12.6 13.2    
Cost of Provisions (As % Of Loans) % ... ...                     2.29 2.39 3.19 2.00 4.56    
other data Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
other data                                      
Branches ... ... ... ... ... ... ... ... ...       175 165 150 149 149    
Employees ... ... ... ... ... ...             2,444 2,367 2,207 2,158 2,183    
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 19.1 19.8    

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Alpha Romania's retail deposits rose 24.2% to RON 4,881 mil in 2016

By Helgi Analytics - July 16, 2018

Alpha Bank Romania's retail deposits reached RON 4,881 mil in 2016, up 24.2% compared to the previous year. Romanian banking sector accepted retail deposits of RON 163 bil in 2016, up 11.4% when compared to the last year. Alpha Bank Romania accounted for ...

Alpha Romania's corporate deposits rose 28.5% to RON 3,037 mil in 2016

By Helgi Analytics - July 16, 2018

Alpha Bank Romania's corporate deposits reached RON 3,037 mil in 2016, up 28.5% compared to the previous year. Romanian banking sector accepted corporate deposits of RON 95.2 bil in 2016, up 4.09% when compared to the last year. Alpha Bank Romania account...

Alpha Romania's npls (as % of loans) fell 17.3% to 13.7% in 2016

By Helgi Analytics - May 30, 2018

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 cove...

Alpha Romania's customer loans fell 0.574% to RON 10,336 mil in 2016

By Helgi Analytics - July 16, 2018

Alpha Bank Romania's customer loans reached RON 10,336 mil in 2016, down 0.574% compared to the previous year. Romanian banking sector provided customer loans of RON 220 bil in 2016, up 1.24% when compared to the last year. Alpha Bank Romania accounted fo...

Alpha Romania's net interest margin rose 2.89% to 2.66% in 2016

By Helgi Analytics - May 30, 2018

Alpha Bank Romania's net interest margin amounted to 2.66% in 2016, up from 2.59% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 9.07% in 2000 and an all time low of 2.17% in 2007. The average mar...

Alpha Romania's employees fell 3.02% to 1,895 in 2016

By Helgi Analytics - May 30, 2018

Alpha Bank Romania employed 1,895 persons in 2016, down 3.02% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,550 persons in 2008 and an all time low of 1,760 in 2007. Average cost reached USD 1,558 per month per e...

Alpha Romania's capital adequacy ratio fell 6.36% to 22.1% in 2016

By Helgi Analytics - May 30, 2018

Alpha Bank Romania's capital adequacy ratio reached 22.1% at the end of 2016, down from 23.6% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 35.1% in 2005 and an all time low of 12.9% in 2010. The Tier 1 ratio am...

Alpha Romania's consumer loans fell 7.27% to RON 1,107 mil in 2016

By Helgi Analytics - July 16, 2018

Alpha Bank Romania's consumer loans reached RON 1,107 mil in 2016, down 7.27% compared to the previous year. Romanian banking sector provided consumer loans of RON 54.6 bil in 2016, down 2.51% when compared to the last year. Alpha Bank Romania accounted f...

Alpha Romania's costs (as % of assets) fell 2.77% to 2.49% in 2016

By Helgi Analytics - May 30, 2018

Alpha Bank Romania's cost to income ratio reached 64.0% in 2016, down from 82.8% compared to the previous year. Historically, the bank’s costs reached an all time high of 82.8% of income in 2015 and an all time low of 43.4% in 2010. When compared to total ...

Alpha Romania's corporate loans fell 2.31% to RON 5,733 mil in 2016

By Helgi Analytics - May 30, 2018

Alpha Bank Romania's loans reached RON 11,402 mil in the 2016, up from RON 11,345 mil compared to the previous year. Historically, the bank’s loans reached an all time high of RON 14,981 mil in 2009 and an all time low of RON 1,592 mil in 2003. In the l...

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Alpha Bank Romania SA is a Romanian-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank had 149 branches and 2,158 employees throughout Romania. The Bank was founded in 1993 and is headquartered in Bucharest. Alpha Bank Romania SA operates as a subsidiary of Alpha Bank A.E.

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Finance

Alpha Bank Romania has been growing its revenues and asset by 7.87% and 7.50% a year on average in the last 10 years. Its loans and deposits have grown by 10.8% and 11.0% a year during that time and loans to deposits ratio reached 131% at the end of 2016. The company achieved an average return on equity of 4.37% in the last decade with net profit growing 2.70% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.0% in 2016, compared to 58.1% average in the last decade.

Equity represented 10.5% of total assets or 15.0% of loans at the end of 2016. Alpha Bank Romania's non-performing loans were 13.7% of total loans while provisions covered some 68.0% of NPLs at the end of 2016.