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Alpha Bank Group

Alpha Bank's costs (as % of assets) rose 83.2% yoy to 3.28% in 4Q2015

By Helgi Library - February 21, 2018

Alpha Bank Group's cost to income ratio reached 89.6% in the fourth quarter of 2015, up from 55.1% when compared to the previous...

Alpha Bank's costs (as % of assets) rose 83.2% yoy to 3.28% in 4Q2015

By Helgi Library - February 21, 2018

Alpha Bank Group's cost to income ratio reached 89.6% in the fourth quarter of 2015, up from 55.1% when compared to the previous...

Alpha Bank's mortgage loans remain unchanged yoy at EUR 21,200 mil in 1Q2015

By Helgi Library - November 22, 2023

Alpha Bank Group's mortgage loans reached EUR 21,200 mil in 1Q2015, up 4.57% compared to the previous year. Greek banking secto...

Annual Quarterly LTM
Profit Statement Jun 2015 Sep 2015 Dec 2015
Net Interest Income EUR mil 482 488 480
Net Fee Income EUR mil 78.1 69.3 81.0
Other Income EUR mil 28.1 24.8 75.1
Total Revenues EUR mil 588 582 636
Staff Cost EUR mil 131 132 133
Operating Profit EUR mil 306 261 66.3
Provisions EUR mil 11,003 11,300 12,022
Net Profit EUR mil -1,048 414 -622
Balance Sheet Jun 2015 Sep 2015 Dec 2015
Interbank Loans EUR mil 2,230 1,866 1,976
Customer Loans EUR mil 47,723 46,961 46,186
Total Assets EUR mil 70,555 69,782 69,296
Shareholders' Equity EUR mil 6,253 6,956 9,054
Interbank Borrowing EUR mil 28,389 27,559 25,115
Customer Deposits EUR mil 31,091 30,470 31,434
Issued Debt Securities EUR mil 1,186 1,132 1,951
Ratios Jun 2015 Sep 2015 Dec 2015
ROE % -61.5 25.1 -31.1
ROA % -5.84 2.36 -3.58
Costs (As % Of Assets) % 1.57 1.83 3.28
Costs (As % Of Income) % 47.9 55.1 89.6
Capital Adequacy Ratio % 11.2 12.6 16.8
Net Interest Margin % 2.69 2.78 2.76
Loans (As % Of Deposits) % 153 154 147
NPLs (As % Of Loans) % 37.6 39.0 39.2
Provisions (As % Of NPLs) % 49.8 49.8 52.7
Growth Rates Jun 2015 Sep 2015 Dec 2015
Total Revenue Growth % -3.17 -4.62 15.8
Operating Cost Growth % -10.7 2.21 64.6
Operating Profit Growth % 4.95 -11.9 -67.4
Net Profit Growth % -390 -364 41.3
Customer Loan Growth % -4.81 -6.30 -6.80
Total Asset Growth % -1.58 -14.8 -4.99
Customer Deposit Growth % -24.3 -28.1 -24.0
Shareholders' Equity Growth % -29.7 -18.9 17.5
Employees 14,362 14,201 13,847

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summary Unit Dec 2007 Mar 2008 Jun 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015
income statement                                                                  
Net Interest Income EUR mil ...                                                   480 491 495 482 482    
Total Revenues EUR mil ...                                                   607 611 549 606 588    
Operating Profit EUR mil ...                                                   292 296 203 320 306    
Net Profit EUR mil ...                                                   361 -157 -440 -116 -1,048    
balance sheet                                                                  
Interbank Loans EUR mil ...                                                   2,834 2,845 2,772 2,649 2,230    
Customer Loans EUR mil ...                                                   50,133 50,120 49,557 49,717 47,723    
Debt Securities EUR mil ...                                                   10,523 10,664 11,451 11,554 10,955    
Total Assets EUR mil ...                                                   71,687 81,868 72,936 73,013 70,555    
Shareholders' Equity EUR mil ...                                                   8,900 8,581 7,707 7,380 6,253    
Interbank Borrowing EUR mil ...                                                   16,303 15,561 17,300 24,194 28,389    
Customer Deposits EUR mil ...                                                   41,061 42,370 41,377 34,599 31,091    
Issued Debt Securities EUR mil ...                                                   1,145 1,164 1,524 1,409 1,186    
ratios                                                                  
ROE % ...                                                   15.7 -7.18 -21.6 -6.14 -61.5    
ROA % ...                                                   1.86 -0.817 -2.27 -0.635 -5.84    
Costs (As % Of Assets) % ...                                                   1.63 1.64 1.79 1.57 1.57    
Costs (As % Of Income) % ...                                                   52.0 51.5 63.0 47.3 47.9    
Capital Adequacy Ratio % ...                                                   16.6 16.2 14.6 13.4 11.2    
Net Interest Margin % ...                                                   2.48 2.56 2.56 2.64 2.69    
Interest Income (As % Of Revenues) % ...                                                   79.1 80.5 90.1 79.4 81.9    
Fee Income (As % Of Revenues) % ...                                                   13.8 14.2 16.0 14.2 13.3    
Staff Cost (As % Of Total Cost) % ...                                                   52.5 51.0 47.0 47.7 46.3    
Equity (As % Of Assets) % ...                                                   12.4 10.5 10.6 10.1 8.86    
Loans (As % Of Deposits) % ...                                                   122 118 120 144 153    
Loans (As % Assets) % ...                                                   69.9 61.2 67.9 68.1 67.6    
NPLs (As % Of Loans) % ...                                                   36.0 36.1 35.3 36.0 37.6    
Provisions (As % Of NPLs) % ...                                                   37.8 39.8 42.9 44.3 49.8    
valuation                                                                  
Book Value Per Share Growth % ... ... ... ... ...                                           15.3 9.86 4.04 2.16 0.315    
income statement Unit Dec 2007 Mar 2008 Jun 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015
income statement                                                                  
Interest Income EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 769 764    
Interest Cost EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 287 282    
Net Interest Income EUR mil ...                                                   480 491 495 482 482    
Net Fee Income EUR mil ...                                                   83.8 86.9 87.9 86.3 78.1    
Other Income EUR mil ...                                                   43.1 32.2 -33.7 38.5 28.1    
Total Revenues EUR mil ...                                                   607 611 549 606 588    
Staff Cost EUR mil ...                                                   166 160 163 137 131    
Depreciation EUR mil ...                                                   23.8 23.4 26.9 26.5 26.0    
Other Cost EUR mil ...                                                   126 130 157 124 125    
Operating Cost EUR mil ...                                                   316 314 346 287 282    
Operating Profit EUR mil ...                                                   292 296 203 320 306    
Provisions EUR mil ...                                                   7,904 8,393 8,830 9,443 11,003    
Extra and Other Cost EUR mil ...                                                   0.992 198 92.5 0 0    
Pre-Tax Profit EUR mil ...                                                   -57.9 -238 -662 -107 -1,366    
Tax EUR mil ...                                                   -419 -60.0 -203 9.19 -319    
Minorities EUR mil ...                   ... ... ... ... ... ... ...                   0 0 0 0 0.031    
Net Profit EUR mil ...                                                   361 -157 -440 -116 -1,048    
growth rates                                                                  
Net Interest Income Growth % ... ... ... ... ...                                           15.3 9.86 4.04 2.16 0.315    
Net Fee Income Growth % ... ... ... ... ...                                           -9.24 -8.82 -17.6 4.71 -6.81    
Total Revenue Growth % ... ... ... ... ...                                           3.28 8.78 -8.27 -0.467 -3.17    
Operating Cost Growth % ... ... ... ... ...                                           -10.3 -10.5 -7.46 -11.0 -10.7    
Operating Profit Growth % ... ... ... ... ...                                           23.5 41.1 -9.61 11.3 4.95    
Pre-Tax Profit Growth % ... ... ... ... ...                                           -73.7 -10.2 127 -0.890 2,261    
Net Profit Growth % ... ... ... ... ...                                           -359 -38.7 109 23.0 -390    
balance sheet Unit Dec 2007 Mar 2008 Jun 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015
balance sheet                                                                  
Cash EUR mil ...                                                   1,420 1,998 2,019 1,903 1,588    
Interbank Loans EUR mil ...                                                   2,834 2,845 2,772 2,649 2,230    
Customer Loans EUR mil ...                                                   50,133 50,120 49,557 49,717 47,723    
Mortgage Loans EUR mil ...                                                   16,913 20,362 20,274 21,200 20,286    
Consumer Loans EUR mil ...                                                   4,504 5,251 5,164 7,300 6,569    
Corporate Loans EUR mil ...                                                   26,632 29,938 29,944 34,700 31,602    
Debt Securities EUR mil ...                                                   10,523 10,664 11,451 11,554 10,955    
Fixed Assets EUR mil ...                                                   1,348 1,398 1,415 1,404 1,386    
Total Assets EUR mil ...                                                   71,687 81,868 72,936 73,013 70,555    
Shareholders' Equity EUR mil ...                                                   8,900 8,581 7,707 7,380 6,253    
Of Which Minority Interest EUR mil ...                                                   23.8 23.8 23.3 23.4 23.5    
Liabilities EUR mil ...                                                   62,787 73,287 65,229 65,634 64,302    
Interbank Borrowing EUR mil ...                                                   16,303 15,561 17,300 24,194 28,389    
Customer Deposits EUR mil ...                                                   41,061 42,370 41,377 34,599 31,091    
Issued Debt Securities EUR mil ...                                                   1,145 1,164 1,524 1,409 1,186    
Other Liabilities EUR mil ...                                                   4,278 14,193 5,028 5,431 3,635    
asset quality                                                                  
Non-Performing Loans EUR mil ...                                                   20,900 21,100 20,600 21,300 22,100    
Gross Loans EUR mil ...                                                   58,037 58,513 58,387 59,159 58,725    
Provisions EUR mil ...                                                   7,904 8,393 8,830 9,443 11,003    
growth rates                                                                  
Customer Loan Growth % ... ... ... ... ...                                           -6.35 -4.71 -4.10 -1.96 -4.81    
Retail Loan Growth % ... ... ... ... ...                                           -17.4 0.736 -8.82 1.42 25.4    
Mortgage Loan Growth % ... ... ... ... ...                                           -15.9 1.71 -2.99 0 19.9    
Consumer Loan Growth % ... ... ... ... ...                                           -22.4 -2.89 -26.2 5.80 45.8    
Corporate Loan Growth % ... ... ... ... ...                                           -14.6 -2.53 1.85 1.46 18.7    
Total Asset Growth % ... ... ... ... ...                                           -15.4 -2.36 -13.4 -12.5 -1.58    
Shareholders' Equity Growth % ... ... ... ... ...                                           2.80 0.730 -7.90 -22.6 -29.7    
Customer Deposit Growth % ... ... ... ... ...                                           -0.316 2.74 -0.779 -15.9 -24.3    
market share                                                                  
Market Share in Customer Loans % ...                                                   23.3 23.6 23.4 23.3 ... ... ...
Market Share in Corporate Loans % ...                                                   21.4 21.6 22.0 21.8 22.1    
Market Share in Retail Loans % ...                                                   21.5 26.1 26.2 29.4 ... ... ...
Market Share in Consumer Loans % ...                                                   20.9 23.0 23.2 23.5 ... ... ...
Market Share in Mortgage Loans % ...                                                   24.6 24.8 24.9 24.9 ... ... ...
Market Share in Total Assets % ...                                                   18.0 20.7 18.3 18.5 ... ... ...
Market Share in Customer Deposits % ...                                                   24.1 24.8 22.2 21.1 ... ... ...
ratios Unit Dec 2007 Mar 2008 Jun 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015
ratios                                                                  
ROE % ...                                                   15.7 -7.18 -21.6 -6.14 -61.5    
ROA % ...                                                   1.86 -0.817 -2.27 -0.635 -5.84    
Costs (As % Of Assets) % ...                                                   1.63 1.64 1.79 1.57 1.57    
Costs (As % Of Income) % ...                                                   52.0 51.5 63.0 47.3 47.9    
Capital Adequacy Ratio % ...                                                   16.6 16.2 14.6 13.4 11.2    
Tier 1 Ratio % ...                                                   16.3 15.9 14.3 13.1 11.4    
Net Interest Margin % ...                                                   2.48 2.56 2.56 2.64 2.69    
Interest Spread % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.46 2.52    
Asset Yield % ... ...                                                 2.48 2.56 2.56 4.21 4.26    
Cost Of Liabilities % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.76 1.73    
Payout Ratio % ...                           ... ... ... ... ... ... ...           ... ... ... ... ... ... ...
Interest Income (As % Of Revenues) % ...                                                   79.1 80.5 90.1 79.4 81.9    
Fee Income (As % Of Revenues) % ...                                                   13.8 14.2 16.0 14.2 13.3    
Other Income (As % Of Revenues) % ...                                                   7.10 5.28 -6.14 6.35 4.77    
Cost Per Employee USD per month ... ... ... ... ... ... ... ... ...                   ... ...             4,486 4,226 4,250 3,383 3,260    
Cost Per Employee (Local Currency) EUR per month ... ... ... ... ... ... ... ...                     ...               3,275 3,204 3,567 3,008 3,031    
Staff Cost (As % Of Total Cost) % ...                                                   52.5 51.0 47.0 47.7 46.3    
Equity (As % Of Assets) % ...                                                   12.4 10.5 10.6 10.1 8.86    
Loans (As % Of Deposits) % ...                                                   122 118 120 144 153    
Loans (As % Assets) % ...                                                   69.9 61.2 67.9 68.1 67.6    
NPLs (As % Of Loans) % ...                                                   36.0 36.1 35.3 36.0 37.6    
Provisions (As % Of NPLs) % ...                                                   37.8 39.8 42.9 44.3 49.8    
Provisions (As % Of Loans) % ...                                                   15.8 16.7 17.8 19.0 23.1    
Cost of Provisions (As % Of Loans) % ...                                                   2.76 2.69 6.20 3.44 13.7    
other data Unit Dec 2007 Mar 2008 Jun 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015
other data                                                                  
Branches ... ... ... ... ... ... ... ...                     ...               1,042 1,024 1,032 1,024 941    
Employees ... ... ... ... ... ... ... ...                     ...               16,855 16,685 15,193 15,149 14,362    
Risk-Weighted Assets EUR mil                                                     54,100 53,300 52,600 54,700 53,400    

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Alpha Bank Group in Numbers
Apr 2016
Statistical Dossier
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Alpha Bank Group at a Glance
Oct 2015
Company Report
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Alpha Bank Group in Numbers
Oct 2015
Statistical Dossier
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Alpha Bank's mortgage loans remain unchanged yoy at EUR 21,200 mil in 1Q2015

By Helgi Library - November 22, 2023

Alpha Bank Group's mortgage loans reached EUR 21,200 mil in 1Q2015, up 4.57% compared to the previous year. Greek banking sector provided mortgage loans of EUR 69.4 in 1Q2015, up 0.154% when compared to the last year. Alpha Bank Group accounted for 24.9% ...

Alpha Bank's npls (as % of loans) rose 11.0% yoy to 39.2% in 4Q2015

By Helgi Library - July 24, 2019

Alpha Bank Group's non-performing loans reached 39.2% of total loans at the end of 2015-12-31, up from 35.3% compared to the previous year. Historically, the NPL ratio hit an all time high of 44.9% in 2013-06-30 and an all time low of 1.50% in 2008-06-30. P...

Alpha Bank's npls (as % of loans) rose 11.0% yoy to 39.2% in 4Q2015

By Helgi Library - July 24, 2019

Alpha Bank Group's non-performing loans reached 39.2% of total loans at the end of 2015-12-31, up from 35.3% compared to the previous year. Historically, the NPL ratio hit an all time high of 44.9% in 2013-06-30 and an all time low of 1.50% in 2008-06-30. P...

Alpha Bank's capital adequacy ratio rose 15.1% yoy to 16.8% in 4Q2015

By Helgi Library - May 2, 2018

Alpha Bank Group's capital adequacy ratio reached 16.8% at the end of fourth quarter of 2015, up from 12.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 16.8% in 4Q2015 and an all time low of 9.40% in 1Q2009....

Alpha Bank's capital adequacy ratio rose 15.1% yoy to 16.8% in 4Q2015

By Helgi Library - May 2, 2018

Alpha Bank Group's capital adequacy ratio reached 16.8% at the end of fourth quarter of 2015, up from 12.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 16.8% in 4Q2015 and an all time low of 9.40% in 1Q2009....

Alpha Bank's net profit fell 41.3% yoy to EUR -622 mil in 4Q2015

By Helgi Library - February 19, 2018

Alpha Bank Group made a net profit of EUR -622 mil in the fourth quarter of 2015, down 41.3% when compared to the same period of last year. This implies a return on equity of -31.1%. Historically, the bank’s net profit reached an all time high of EUR 3,528 mil in...

Alpha Bank's net profit fell 41.3% yoy to EUR -622 mil in 4Q2015

By Helgi Library - February 19, 2018

Alpha Bank Group made a net profit of EUR -622 mil in the fourth quarter of 2015, down 41.3% when compared to the same period of last year. This implies a return on equity of -31.1%. Historically, the bank’s net profit reached an all time high of EUR 3,528 mil in...

Alpha Bank's customer deposits fell 15.9% yoy to EUR 34,599 mil in 1Q2015

By Helgi Library - July 24, 2019

Alpha Bank Group's customer deposits reached EUR 34,599 mil in 2015-03-31, down 16.4% compared to the previous year. Greek banking sector accepted customer deposits of EUR 181 bil in 2015-03-31, down 12.9% when compared to the last year. Alpha Bank Group ...

Alpha Bank's customer deposits fell 15.9% yoy to EUR 34,599 mil in 1Q2015

By Helgi Library - July 24, 2019

Alpha Bank Group's customer deposits reached EUR 34,599 mil in 2015-03-31, down 16.4% compared to the previous year. Greek banking sector accepted customer deposits of EUR 181 bil in 2015-03-31, down 12.9% when compared to the last year. Alpha Bank Group ...

Alpha Bank's corporate loans rose 3.41% yoy to EUR 30,966 mil in 4Q2015

By Helgi Library - April 26, 2018

Alpha Bank Group's loans reached EUR 58,208 mil in the fourth quarter of 2015, down from EUR 58,261 mil when compared to the previous quarter and down from EUR 58,387 mil when compared to the same period of last year. Historically, the bank’s loans ...

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Alpha Bank Group is a Greece-based financial group providing a wide range of financial products and services, including retail banking, SMEs and corporate banking, asset management and private banking, the distribution of insurance products, investment banking, brokerage and real estate management. The Bank was founded in 1879 and is headquartered in Athens, Greece. Alpha Bank operates as a subsidiary of Hellenic Financial Stability Fund

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Finance

Alpha Bank Group has been growing its revenues and asset by 0.559% and 0.737% a year on average in the last 5 years. Its loans and deposits have grown by -1.30% and -3.87% a year during that time and loans to deposits ratio reached 147% at the end of 2015. The company achieved an average return on equity of -26.8% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 58.8% in 2015, compared to 63.1% average in the last five years.

Equity represented 13.1% of total assets or 19.6% of loans at the end of 2015. Alpha Bank Group's non-performing loans were 53.7% of total loans while provisions covered some 38.4% of NPLs at the end of 2015.

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