Agentia

8/7/2019 Agentia

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Ramnicu-Sarat Branch _________________________________

Sud-est Region

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Demografic Data

Buzau County Population: 498085 inhabitans

Ramnicu Sarat City population:40290 inhabitans.Population Density: 76 inhabitans/Kmp

Employees Ramnicu Sarat City: 8842

Unemployment:7,4%.

Averages net salary:196 euro/month.Average age: 36-46 ani.

Branch Potential _________________________________________

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Specific Indicators Small Business

Customers

___________________________________ In Rm.Sarat,the economic environment contains 821

firms,those from the textile industry, trade andconstruction beind predominant.

The most important firms are :SC London FashionSRL having 420 employees,SC Fermit SA with 313employees,SC Mopiel SRL with 102 employees.

The Rm.Sarat Branch has in its portofolio 340

customers-legal persons , 140 being active and 61SBB customers having 71 active loans.

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Specific Indicators Small Business

CustomersDistribution of Sectors for Rm.Sarat Branch SBB portofolio:

39%

24%

11%12%

6%

8%13%

Trade

Services

Industry

Construction

PFA

Other

Total customers 140

Trade 53

Services 34

Construction 17

Industry 16PFA 8

Other 12

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Branch AnalysisLocation AnalysisAttractivity

-it is situated at the ground floor of a block of flats,closeto the European rood E85,very close to the central area.

-a good commercial area,a bas stop in front of the

branch.Infrastructure/accessibility:

-there is a parking area but it is not wide enough,thearea is quite circulated and accessible.

Compliance with branch standards of the bank:

-the branch was opened in 03.11.1997and it wasnt up-dates according to the standards of Eurobank Group EFG.

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Location Analysis

Head Count and organizational structure:-agentia are 8 salariati:

- Branch Manager

- Coordinator Customer Services

- SBB Loan Officer

- Mortgage Loan Officer

- Customer Service Officer- Teller

Avantajele locatiei:

-suntem de 12 ani prezenti pe piata.

-vad comercial bun,zona frecventata.

Dezavantaje:

-unitate veche care nu mai corespunde standardelor grupuluiEurobank EFG.

-deschiderea relativ recenta a unei agentii Piraeus Bank alaturide agentia noastra.

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Bussines Analysis-Evolution

_______________________________

No Indicator Dec-2007 Dec-2008 Aug-2009

1N

o.of Individuals

Customer

6644 7141 7286

2 No of SBB

Customer

274 331 340

3 Total volumedeposit

1026 miieuro

1916 miieuro

1726 miieuro

4 Total volume

loans

3992 mii

euro

5334 mii

euro

4793 mii

euro

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____________________________

0

1000

2000

3000

4000

50006000

7000

8000

Dec-07 Dec.08 Aug.09

No.of nd dualus omers

No.of BBus omers

No. of Customers

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0

1000

2000

3000

4000

5000

6000

Dec.07 Dec.08 Aug.09

Tot olume

deposits

Tot l volume

loans

Total volume deposits/loans

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Business Analysis Delinquencies

_______________________________

SBB Loan

The complete portofolio at 31.08.2009 -was 1665 ths euro

SBB loans,the ratio of the current loans into the amount of

loans being of 49 %,respectively 810 ths euro .

The degree of accomplishing the budget is of 79%.

Mortgage loan and Home Equity.

From the amount of 34 loans evaluated at 744 ths

euro,we register 4 loans with delinquecies over 90 days

and for 2 loans have been approved restructuringsolutions,which are to be implemented.

Consumer loans:

No-1155,Volume-2406 ths euro.

Delinquencies over 90 days-91 loans,respectively 7.9%.

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Bussines Analysis

____________________________Productivity Mar-July09 Evolution

Indicator Mar Apr May Jun jul Ytd

Sum of all

tranzactions

3678 3254 3132 3080 2932 16076

Productivities(transactions/

day/Active

FTEs)

27.9 25.8 26.1 24.4 21.2 25

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Bussines Analysis

____________________________

Profitability Jan-Jun 2009(ths EURO)

Operating Income 303

Operating expenses 44

Operating Net Results 259

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Competition Analysis

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In the Rm.Sarat City are other 9 branches of thecompetitors :Alpha Bank, BRD, BCR, CEC, BTRL,Raiffeisen Bank, Piraeus Bank,Carpatica si Volksbank.

Our main competitors are: Banca Carpatica(they arevery competitive interest at the moment and BCR(they have been on the market for 19 years by takingover the headquarters and the customers of the BNRbranch,they have a very good reputation and a largeportofolio of customers,).

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Planning of business-Branch Strategy

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The increasing of de efforts in collection activitiesby phoning and visiting.

The development of the relations with the SBBcustomers who exist by offering products inconformance with every person`s needs and byattracting new clients.

Focus on deposits,on the loyalty of customers andthe attraction of new customers from thecompetitive banks.

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Action Plan

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Calling or establishing meetings order with the existing orpossible customers in order to present them offers withdifferent products.

Offering brochures and presenting the products on theplatform to every person that enters the bank

Sending brochures by mail to the customers according tothe agreement concluded with Post Messenger

Introducing brochures in the mail boxes periodically.

Getting references from the customers.

Documents

Agentia