Ramnicu-Sarat Branch

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Sud-est Region

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Branch Potential
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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 • 1

Unemployment:7,4%.
Averages net salary:196 euro/month.
Average age: 36-46 ani.

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Specific Indicators Small Business
Customers
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 In Rm.Sarat,the economic environment contains 821
firms,those from the textile industry, trade and
construction beind predominant.
 The most important firms are :SC London Fashion
SRL having 420 employees,SC Fermit SA with 313
employees,SC Mopiel SRL with 102 employees.
 The Rm.Sarat Branch has in its portofolio 340
customers-legal persons , 140 being active and 61
SBB customers having 71 active loans.

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 Specific Indicators Small Business
Customers
Distribution of Sectors for Rm.Sarat Branch SBB portofolio:
Total customers 140
Trade 53
Services 34
Construction 17
Industry 16
PFA 8
Other 12 11%
12% Trade
24% Services
6%
Industry
13%
8% Construction
PFA
39% Other

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Branch Analysis
Location Analysis
Attractivity
-it is situated at the ground floor of a block of
flats,close to 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,the
area is quite circulated and accessible.
Compliance with branch standards of the bank:
-the branch was opened in 03.11.1997and it wasn’t 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 grupului
Eurobank EFG.
-deschiderea relativ recenta a unei agentii Piraeus Bank
alaturi de agentia noastra.

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Bussines Analysis-Evolution
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No Indicator Dec-2007 Dec-2008 Aug-2009

1 No.of 6644 7141 7286

Individuals
Customer
2 No of SBB 274 331 340
Customer

3 Total volume 1026 mii 1916 mii 1726 mii

deposit euro euro euro

4 Total volume 3992 mii 5334 mii 4793 mii

loans euro euro euro

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Bussines Analysis-Evolution
____________________________
No. of Customers
8000
7000
6000
No.of
5000 Individual
4000 Customers
No.of SBB
3000
Customers
2000
1000
0
Dec-07 Dec.08 Aug.09

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Bussines Analysis-Evolution
Total volume deposits/loans
6000

5000

4000
Total volume
3000 deposits
Total volume
2000
loans
1000

0
Dec.07 Dec.08 Aug.09
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Business Analysis – Delinquencies
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 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 restructuring
solutions,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
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Productivity Mar-July09 Evolution

Indicator Mar Apr May Jun jul Ytd

Sum of all 3678 3254 3132 3080 2932 16076

tranzactions

Productivities 27.9 25.8 26.1 24.4 21.2 25

(transactions/
day/Active
FTEs)

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Bussines Analysis
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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 the
competitors :Alpha Bank, BRD, BCR, CEC, BTRL,
Raiffeisen Bank, Piraeus Bank,Carpatica si Volksbank.
 Our main competitors are: Banca Carpatica(they are
very competitive interest at the moment and
BCR( they have been on the market for 19 years by
taking over the headquarters and the customers of
the BNR branch,they have a very good reputation
and a large portofolio of customers,).

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Planning of business-Branch Strategy
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 The increasing of de efforts in collection activities

by phoning and visiting.
 The development of the relations with the SBB
customers who exist by offering products in
conformance with every person`s needs and by
attracting new clients.
 Focus on deposits,on the loyalty of customers and
the attraction of new customers from the
competitive banks.

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Action Plan
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 Calling or establishing meetings order with the existing or
possible customers in order to present them offers with
different products.
 Offering brochures and presenting the products on the
platform to every person that enters the bank
 Sending brochures by mail to the customers according to
the agreement concluded with Post Messenger
 Introducing brochures in the mail boxes periodically.
 Getting references from the customers.

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