By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
| Profit Statement | 2014 | 2015 | 2016 | |
| Net Interest Income | RON mil | 517 | 414 | 396 |
| Net Fee Income | RON mil | 66.8 | 71.1 | 76.5 |
| 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 |
| 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 | |
Get all company financials in excel:
| 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 | ||||||
| valuation | ||||||||||||||||||||
| Book Value Per Share Growth | % | ... | 13.2 | -15.2 | -8.91 | -1.17 | -0.936 |
| 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 |
Get all company financials in excel:
By Helgi Library - 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 the previous year. Historically, the bank’s net profit reached an all time high of RON 135 mil in 2010 and an all time low of RON -14...
By Helgi Library - 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 sector accepted customer deposits of RON 274 bil in 2016, up 8.23% when compared to the last year. Alpha Bank Romania accounted ...
By Helgi Library - 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 sector accepted customer deposits of RON 274 bil in 2016, up 8.23% when compared to the last year. Alpha Bank Romania accounted ...
By Helgi Library - 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 ...
By Helgi Library - 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 ...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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 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.
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.
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