Exchange Rates and reference indexes: 19.09.2014

3 m. SOFIBOR 0.7

6 m. SOFIBOR 1.223

3 m. EURIBOR 0.082

6 m. EURIBOR 0.188

CHF/BGN BUY 1.5985 SELL 1.6425

EUR/BGN BUY 1.9500 SELL 1.9610

GBP/BGN BUY 2.4619 SELL 2.5219

USD/BGN BUY 1.4947 SELL 1.5347

 

 

 

 


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Press Releases

28/7/2014 Alpha Bank Bulgaria is the Main Partner of the Festival “Opera in the Summer Theatre” in Varna

This year, Alpha Bank Bulgaria is the main partner of the festival “Opera in the Summer Theatre”, which takes place for the fifth consecutive time in the city of Varna.

Sofia, July 17th 2014, This year, Alpha Bank Bulgaria is the main partner of the festival “Opera in the Summer Theatre”, which takes place for the fifth consecutive time in the city of Varna. The festival is an essential part of Varna’s rich cultural program dedicated to the city’s application for the title of European Capital of Culture 2019.

Until August 23rd, “Opera in the Summer Theatre” will present 13 musical performances featuring world-renown solo artists such as Carlo Colombara, Francesco Medda, Aleksey Tatarintsev, Vladimir Kuzmenko, Sorina Monteanu, Kamen Chanev, Kaludi Kaludov, Boyko Tsvetanov, Kilil Manolov, Vassil Petrov. In addition to the traditional Opera and Operetta Galas, this year, the festival also presents a Musical Gala evening.

To further promote the festival and the art of opera, Alpha Bank Bulgaria is organizing an interesting initiative under the motto “Enjoyable moments under the stars”. In the very heart of the sea capital, citizens and visitors of Varna have the chance to experience the opera emotions and win a compliment from the bank – ticket for two people for one of the forthcoming festival performances.

The partnership with the festival follows Alpha Bank Bulgaria’s long-term policy in supporting and implementing key cultural projects across the country. With this initiative, the bank aims to contribute to the preservation of Bulgaria’s cultural heritage and achievements in the field of arts and culture.

Please click here for more information about the festival.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greece, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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17/6/2014 The Team of Alpha Bank Bulgaria Demonstrated Social Responsibility Trough Volunteering for the Sixth Consecutive Year

About 300 Employees Participated in the Annual “Volunteer Day” Initiative of the Bank

Sofia, June 16th 2014 – About 300 employees of Alpha Bank Bulgaria participated in the initiative “Volunteer Day”, which traditionally supports various social projects and causes across the country. This year, the volunteer program took place on June 14th via activities in the cities of Sofia, Plovdiv, Varna, Bourgas, Rousse, Pleven, and Blagoevgrad.

In Sofia, Alpha Bank employees contributed to the renovation of the biggest and the oldest zoological garden on the Balkans. Over 130 people gathered to paint the benches of the Zoo and to clean its green areas with much care and enthusiasm.

The teams across Bulgaria participated in cleaning key park and seaside areas – the “Bunardzhika” Hill in Plovdiv, the garden of the Archaeological Museum in Varna, the North Beach in Burgas, as well as the central Skobelev Park alley in Pleven. In Blagoevgrad, bank employees from the region helped for cleaning the gardens of the local Center for children without parental care and planted flowers, making it look more welcoming. The Rousse team organized a day
for drawing, applied arts and singing exercises for the children at the Center for social services for children and families in the town.

Organized since 2009, the initiative “Volunteer Day” of Alpha Bank Group traditionally inspires volunteer teams from each country the bank is operating in. With these activities, Alpha Bank is strengthening its reputation of a socially responsible institution, while encouraging volunteering and setting the agenda for good and sustainable practices in this field.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greece, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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11/6/2014 Dynamic Visa Debit Card from Alpha Bank is the Winner in the “New Product” Category of the Bulgarian Association of Advertisers Awards

DYNAMIC Visa debit card from Alpha Bank Bulgaria is the winner in the “New product” category

Sofia, June 6th 2014DYNAMIC Visa debit card from Alpha Bank Bulgaria is the winner in the “New product” category in the first annual Bulgarian Association of Advertisers Awards (BAAwards). Alpha Bank’s team was awarded at the ceremony that took place on June 5th, 2014. The BAAwards are encouraging significant achievements in one of the most dynamic industry sectors – that of marketing and communications, rewarding the best products, teams and specialists.

„We consider DYNAMIC Visa a successful project, which not only has achieved good results in terms of sales and new clients, but has also managed to transform people’s perceptions about debit cards’ usage and their advantages,” said Sevdalina Vassileva, Manager Retail Banking Business Unit at Alpha Bank Bulgaria.

DYNAMIC Visa offers a offers a whole new, comprehensive combination between a product and a
service. It presents an affordable, easy and innovative approach to shopping that offers tangible
benefits to both clients and partners. Cardholders receive a percentage back from every purchase
made (at POS terminals, online, in Bulgaria, as well as abroad). These percentages start from a
minimum of 1% for purchases made abroad, online as well as at every store and increase
significantly within the Dynamic merchant partner network – from 4 to 42%. Customers receive 10%
back from purchases made at Carrefour – a strategic partner in the program.

At present, the established partner network of DYNAMIC Visa consists of over 400 commercial
outlets representing more than 160 established Bulgarian and worldwide brands.

More information on DYNAMIC Visa is available online at www.alphabank.bg and
www.loanadvisor.eu, via free calls at 0700 19 040, as well as at Alpha Bank offices across the
country.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the
South Eastern European region (Greece, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of
Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and
medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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5/6/2014 Credit Cards from Alpha Bank with No Issuance and Annual Maintenance Fees

Alpha Bank has removed the issuance and annual maintenance fees for its Visa Classic, Visa Gold and MasterCard Standard credit cards.

Credit Cards from Alpha Bank with No Issuance and Annual Maintenance Fees

10 Alpha Bank Clients Will Win a Nikon Coolpix S3500 Camera

Sofia, June 6th 2014 – Alpha Bank has removed the issuance and annual maintenance fees for its Visa Classic, Visa Gold and MasterCard Standard credit cards. The promotional terms are valid in the period June 4th – August 16th 2014. Clients can apply for these cards at every bank branch as well as online at www.loanadvisor.eu.

10 clients of the bank will win a Nikon Coolpix S3500 camera. All holders of Visa Classic, Visa Gold and MasterCard Standard credit cards from Alpha Bank will participate in the raffle, the only condition being that they have made transactions for at least 200 BGN in the period June 17th – August 16th 2014.

“Over the summer period, we are witnessing organic growth in the issuance and usage of credit cards, due to the increase in spending for travelling, house repair works as well as the holidays,” said Sevdalina Vassileva, Manager Retail Banking Business Unit at Alpha Bank Bulgaria. „With no fees for card issuance and maintenance, our clients have access to additional funds at minimum expenses, which are due only in case the card is being used,” Vassileva added.

Moreover, the promotional terms for Dynamic Visa credit card issuance are valid by the end of the year, the bank has also announced. These credit cards guarantee a percentage back from each purchase as well as 10% back from purchases made at Carrefour stores by June 30th 2014.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greece, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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10/5/2014 New Lower Interest Rates and Fees for Consumer Loans from Alpha Bank

Alpha Bank Bulgaria has announced new promotional terms of its...

Alpha Bank Bulgaria has announced new promotional terms of its Alpha “Optimum” and Alpha “All in One” consumer loans. Until July 31st 2014, clients may take advantage of lower interest rates and fees for Alpha Optimum loans combined with payroll transfer and the “Alpha Payment Protection” program.

Alpha Optimum follows Alpha Bank’s policy to offer rational products and reasonable solutions to a broad spectrum of clients who need support for various purposes such as repairing a residence, purchasing a car or for financing their educational expenses. Its interests rates start from 8,95% and no compulsory guarantee is requisite. There are no annual management and pre-payment fees, the bank has also announced.

With favorable interest rates starting from 7.90% and low application and disbursement fees, Alpha “All in One” helps clients reduce the amount of their monthly installments to up to three times, while paying a single installment and benefiting from a longer payment tenor. By consolidating the outstanding amounts on consumer loans, overdrafts, and credit cards, Alpha “All in One” saves clients expenses and time.

Alpha Optimum and Alpha All in One are offered at all 86 branches of Alpha Bank across the country. Additionally, clients can apply easily online via the online platform www.loanadvisor.eu.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greece, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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8/4/2014 No Fees and Commissions for All Housing Loans from Alpha Bank

Sofia, April 7th 2014: Alpha Bank Bulgaria has announced new promotional terms for all housing loans from the bank.

Sofia, April 7th 2014: Alpha Bank Bulgaria has announced new promotional terms for all housing loans from the bank. Following the latest market trends and helping clients make important decisions, such as purchasing a new home, the bank is removing the fees and commissions for all housing loans. This significantly reduces the annual percentage rate level, which best illustrates the price of a loan.

Until the end of June 2014, the housing loans from Alpha Bank Bulgaria are offered without application and approval fees, without disbursement fees, without repayment fees with own funds, as well as without monthly management commissions. This, along with the low annual percentage rates, ranks the offers from Alpha Bank among the best housing loan propositions available. For example, for a loan at the amount of 80 000 BGN, 20-year tenor period and interest rate of 5,83%, the annual percentage rate is 6,32%*.

The Alpha housing loans line with floating interest rate has been recently united under the new name of Alpha Housing Loan “At Home”. The low rates starting from 5,83% if used with Alpha Mortgage Package, along with the transparency in aligning them to the 3M EURIBOR and 3М SOFIBOR market index, ensure comfort and safety. Further, with the possibility to reduce the monthly payments with up to 30% for a 6-month grace period clients can invest these savings for additional necessities, such as repairing or furnishing their new home.

As client protection is a priority for Alpha Bank, candidates are entitled to property insurance and can choose the optional “Alpha Payment Protection” program, which offers protection against unexpected risks.

These promotional terms also apply for Alpha Housing Loan “Perfecto”, which offers options for fixed interest rate for 3, 5, 7 or 10 years, providing customers the opportunity to choose the option that suits them best.

Detailed information and consultation about the possibilities to finance forthcoming home purchase or renovation can be obtained online at www.loanadvisor.eu, as well as in every branch of Alpha Bank Bulgaria.

*Includes expenses for application documents, property evaluation, and insurance costs for the entire loan tenor period.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greece, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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3/4/2014 EXTRAORDINARY GENERAL MEETING OF THE SHAREHOLDERS OF ALPHA BANK

The Extraordinary General Meeting of the Shareholders of Alpha Bank, which was
held on 28.3.2014, approved:

EXTRAORDINARY GENERAL MEETING OF THE SHAREHOLDERS OF ALPHA
BANK ON MARCH 28, 2014


The Extraordinary General Meeting of the Shareholders of Alpha Bank, which was
held on 28.3.2014, approved: the raising of capital by the Bank up to the amount of
Euro 1.2 billion (including the amount corresponding to contributions above par
value), by the increase of its share capital, through payment in cash; the cancellation
of the pre-emption rights of the existing (common and preferred) shares; the
issuance and distribution by the Bank of 1,846,153,846 new common, nominal,
paperless shares with voting rights of a nominal value of Euro 0.30 each and an offer
price of Euro 0.65 per new share and the offer of the total number of the new shares
by private placement to special investors in the sense of article 2 para. 1 section (f)
of law 3401/2005; and the amendment of article 5 of the Articles of Incorporation. In
addition, it granted the Board of Directors of the Bank the power to attend to the total
share capital increase and to provide for similar issues related to the capital
increase.

The General Meeting was informed that the Board of Directors, at its meeting on
30.1.2014, elected Mrs. Panagiota S. Iplixian, in accordance with law 3864/2010,
upon instruction of the Hellenic Financial Stability Fund, as a Non-Executive
Member of the Board of Directors. The General Meeting appointed Mrs. Iplixian as
a Member of the Board of Directors Audit Committee, in accordance with article 37
of law 3693/2008.

                                                                                                 Athens, March 28, 2014

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25/3/2014 A New Debit Card from Alpha Bank Bulgaria Helps in Managing and Optimizing the Company Expenses

Alpha Bank Bulgaria presented Alpha Bank Enter Visa Business – its new debit card that works in favor of the small, medium size and large companies and the liberal professionals.

 

Sofia, March 26, 2014: Alpha Bank Bulgaria presented Alpha Bank Enter Visa Business – its new debit card that works in favor of the small, medium size and large companies and the liberal professionals. Alpha Bank Enter Visa Business debit card is an easy way of organizing the corporate finance that ensures effective control over the daily expenses made by employees.

The new product from Alpha Bank Bulgaria offers convenience for business owners, managers, and employees, as it secures 24/7 access to corporate funds and allows for unlimited number of cards linked to one account. Thus, managing the expenses for company cars, travel, booking of airplane tickets and accommodation, courier services, among many, becomes much easier. The only requirement for issuing the card is opening a current account at Alpha Bank.

Owners of Alpha Bank Enter Visa Business debit card have various options for effective control over the corporate expenses, e.g. daily expenses monitoring and transaction statements via Alpha Web Banking. Liberal professionals, on the other hand, can easily distinguish between personal and business expenses. The card allows for cash withdrawals at ATMs, as well as at all commercial sites, which accept Visa payments throughout Bulgaria, abroad, as well as online.

Аlpha Bank Enter Visa Business is offered at all 86 Alpha Bank branches across Bulgaria at no fees for card issuance. More details are also available online at www.alphabank.bg and www.loanadvisor.eu.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greece, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

 

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12/2/2014 Children Communicate with the Ancient World at the National Archaeological Museum

More than 600 kids from 4th and 5th grade from 10 schools in Sofia participated in the children program of the National Archeological Museum...

Sofia, February 12th, 2014: More than 600 kids from 4th and 5th grade from 10 schools in Sofia participated in the children program of the National Archeological Museum, part of the temporary exhibition “Leaving a Mark on History: Treasures from Greek Museums”. The exhibition was organized under the patronage of the Embassy of the Republic of Greece in Sofia and it was open in the period November 7th, 2013 – February 9th, 2014.

Every day at the museum, students were being acquainted with the history and values of the Olympic Games, reviewing the exhibits and participating in discussions with archaeologists. A special edition tailored for children told the story of the Olympics and their sports disciplines in the form of a conversation between children from Greece and Bulgaria with Heracles, the bravest hero of Greek mythology. Heracles leads the children to the venue of the Olympic Games, introduces them to the logics and the ideology of the games, tells their history and shows them artifacts from the first game, such as seals, vessels, tombstones, coins, and medals.

The program was prepared in partnership with Alpha Bank Bulgaria and was presented in an attractive and memorable way. It aimed to provoke young people to keep their interest in history and archeology. Alpha Bank Bulgaria facilitated the access of the students to the Museum and to artifacts that illustrate the great achievements of the ancient Greeks in the political, trade and education spheres.

The exhibition “Leaving a Mark on History: Treasures from Greek Museums” was organized by the National Archaeological Museum and the Numismatic Museum of Athens with the support of several companies and organizations, such as Alpha Bank as part of the bank’s policy to patronize culture. The exhibition presents 195 unique artifacts from the neolith period till the end of 19th century, including part of the collections of the National Archeological Museum, Numismatic museum and the Museum Kerameikos of Athens, Archeological Museum in Argos and the Archeological Museum in Thebes. The exposition was divided into 7 main sections: “The history of sealing”, “Great is the state that controls the sea”, “Education and Democracy”, “Olympic Idea”, "The Persian Wars", “Rulers and Events”, “From Olympus to Heaven”.

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22/1/2014 Alpha Bank Bulgaria Launches Consumer Loan Optimum with Interest Rates Starting from 8,95%

The new product is offered at promotional application and disbursement terms 

The new product is offered at promotional application and disbursement terms

Sofia, January 22nd, 2014: Alpha Bank Bulgaria has launched a new consumer loan product line that the bank is offering at preferential terms. Alpha consumer loan Optimum combines three key advantages – optimal amount, optimal price, and optimal terms, its interest rates starting from 8,95%.

The product has been developed following an in-depth research of consumer preferences, which proves that individual clients prefer financing amounting to up to BGN 20,000, low annual percentage rate, as well as additional services that make everyday banking easier. Thus, Alpha Optimum follows Alpha Bank’s policy to offer rational products and reasonable solutions to a broad spectrum of clients who need support for various purposes such as repairing a residence, purchasing a car or for financing their educational expenses.

Depending on their individual needs, clients can apply for amounts between BGN 500 and 20,000, the loan being offered for a period of up to 96 months. Clients can select specific loan terms that meet their preferencesеs and can also add service packages including insurance, Alpha payroll, a debt card, as well as SMS notifications.

“Alpha Optimum’s characteristics correspond to Alpha Bank’s responsible lending policy,” said Sevdalina Vassileva, Retail Banking Business Unit Manager at Alpha Bank Bulgaria. “We aim to offer our clients the optimal amount, optimal price and optimal terms that will help them stay confident and comfortable while repaying their loans,” Vassileva added.

Alpha Optimum is offered at all 86 branches of Alpha Ban across the country, whereby clients can take advantage from favorable application and disbursement terms. There are no annual management and preliminary payment fees, the bank has also announced.

In addition, the online platform www.loanadvisor.eu allows for a fast and easy application procedure.


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ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greek, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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10/1/2014 New Preferential Terms for All Housing Loans from Alpha Bank until the End of March

Alpha Bank Bulgaria offers additional preferential terms for housing loans from the bank, extending the promotional period of these exclusive offers

Alpha Bank Bulgaria offers additional preferential terms for housing loans from the bank, extending the promotional period of these exclusive offers. Until the end of March, 2014 clients can acquire any Alpha Bank housing loan at favorable terms such as no application or approval fees.

Clients who apply for Alpha housing loan “Perfecto” for purchasing or repairing of a residence, as well as for refinancing an existing housing loan within this promotional period are exempt from pre-payment fees if the loan is repaid with their own funds during the floating interest rate period.

Moreover, in order to secure additional flexibility and time to people searching for the best real estate property, Alpha Bank now offers a free preliminary loan approval option until March 31. The approval, which is valid for a period of three months, might be granted depending on the person’s income statement. Additionally, the bank facilitates the refinancing of existing housing loans by freeing clients from loan acquisition fees and by financing all costs related to the exposure's transfer.

Until March 31, clients can also take advantage of the preferential terms for acquiring the rest of the housing loan options from Alpha Bank, such as Alpha Housing Loan for Purchase, Construction and Finishing Works and Alpha Mortgage Loan for Repair and Finishing Works. These exclusive terms include no application and approval fees, as well as no pre-payment fees if the loans are repaid with own funds during the floating interest rate period.

With such favorable terms combined with the security guaranteed by the fixed interest rate of “Perfecto”, Alpha Bank is offering some of the best housing loan propositions on the market, as the bank is looking to meet the different expectations of its clients through an individual approach, providing them the opportunity to choose the option that suits them best. Alpha housing loan “Perfecto” offers the longest fixed interest rate period, whereby clients can choose from among 4 periods of fixed interest – for 3, 5, 7 or 10 years. After the initial period of fixed interest rates expires, the rate is formed in a completely transparent way, as it is bound to the 3M EURIBOR market index. The information about its levels is accessible at any time and it is not determined by the bank.

The online platform www.loanadvisor.eu provides detailed information and consultation about the financing options for upcoming residence purchase or renovation.

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7/11/2013 The exhibition “Leaving a Mark on History: Treasures from Greek Museums” is visiting the National Archaeological Museum in Sofia

November 7, 2013, Sofia – The temporary exhibition “Leaving a Mark on History: Treasures from Greek Museums” has been opened today at the National Archaeological Museum in Sofia, Bulgaria.

November 7, 2013, Sofia – The temporary exhibition “Leaving a Mark on History: Treasures from Greek Museums” has been opened today at the National Archaeological Museum in Sofia, Bulgaria. The exposition that is co-organized by the Numismatic Museum and the National Archaeological Museum in Greece will take place at the National Archaeological Museum in Sofia from November 7, 2013 until February 9, 2014.

The exhibition has already been displayed at the Regional Archaeological Museum in Plovdiv with enormous success. It is visiting Bulgaria with the support of many companies and organizations, including Alpha Bank as part of their policy to patronize culture.

The purpose of this exhibition is to present rare and unique objects, that “seal” history, either as portraits of protagonists of history either as direct sources for major historical and political events, or finally as universal social, religious and cultural meanings and values.

The exhibition is divided into six thematic sections. In the introductory section, “The history of sealing”, where seals, stamps and stone seals of the prehistoric period are presented as evidence of the need for human distinction and identification.

The dominance of Greece in the Sea plays a crucial role in the commercial, political, economic and spiritual supremacy of the Greeks in ancient times, reflected in “Great is the state that controls the sea” of the second section.

The third section “Education and Democracy”, presents the universally unique contribution of ancient Greek culture in the birth of Democracy and the development of Education.

The Pan-Hellenic Games as demonstrated through the thematic section of the Olympic Ideal, “A healthy mind in a healthy body”, prove the fair play and reconciliation of humans. The revival of the Olympic Games in 1896, redefines the spirit of “fair play” in modern and contemporary historical period, bringing in the foreground the spirit of friendship and brotherhood as condition of a peaceful and better world.

The fifth section “Rulers and Events” presents the Ruler as the Face of History and the Event as the Mark left on History. It focuses on historical events of universal significance and importance, such as the Persian Wars, and on important historical personalities, who excelled in politics, military and cultural life, from the Macedonian kings to the founder of the Byzantine state (Philip II, Alexander the Great, Julius Caesar, Octavian Augustus, Constantine the Great).

The exhibition concludes with the section “From Olympus to Heaven” that presents the transition from the ancient Dodecatheon (Twelve Gods) to Christianity. The exhibits record religious faith and worship, primordial and major features of private and public life, from antiquity to the fall of Constantinople in 1453.

The temporary exhibition in addition to the collections of the Numismatic and the National Archaeological Museum, presents antiquities from the Museum of Byzantine Culture in Thessaloniki, and six Ephorates of Antiquities: 1st EPKA, 3rd EPKA, 4th EPKA, 9th EPKA, 10th EPKA, 14th EPKA. Total of 195 unique artifacts of Greek Antiquity will be exhibited for the first time in Bulgaria. The study, organization, and scientific–museological curatorship where undertaken exclusively by the Greek organizers, while the Bulgarian side is symbolically represented with only one exhibit, an Attic red figured pelike, dated around 440-430 BC and found in Plovdiv, Bulgaria. The exhibition is scientifically curated and overall coordinated by the Director of the Numismatic Museum and Deputy Director of the National Archaeological Museum, Dr George Kakavas, along with the assistance of scientific personnel of the two Museums. The museological–museographical study is by Dr Maria Lamprinou, Architect-Engineer, Head of the Department of Modern Monuments and Construction of the Ionian Islands, Dr Vassiliki Drouga, Architect-Engineer, Head of the Department of Technical Service of the National Archaeological Museum and Stamatis Zannos, Designer.

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16/10/2013 Alpha Bank Launches a Promotional 4-Month Deposit with Attractive Interest Rates

Alpha Bank Bulgaria has launched a new promotional deposit with exclusive interest rates.

Alpha Bank Bulgaria has launched a new promotional deposit with exclusive interest rates. Alpha Four-Month deposit is characterized by attractive interest rates: 4.75% for accounts in leva, 4.25% for accounts in Euro, and 3.25% in U.S. dollars, the minimum required amount being 250 currency units.

The new Alpha Bank offer has no fees for opening, maintenance and closing of the deposit account. All interest rates are accrued on an annual basis and these are valid for new customers as well as for existing Alpha Bank customers.

For further information on Alpha Four-month deposit: www.alphabank.bg; 0700 16 222; as well as the nearest Alpha Bank office.

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ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the South Eastern European region (Greek, Serbia, Cyprus, Romania, Bulgaria, Albania and FYR of Macedonia). Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. Alpha Bank Bulgaria is present on the market since 1995.

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26/9/2013 Alpha Bank Bulgaria offers agricultural manufacturers preferential financing conditions under the Rural Development Programme

Alpha Bank Bulgaria has been selected as a partner of the National Guarantee Fund (NGF) for the implementation of the Rural Development Operational Programme (RDOP).

Alpha Bank Bulgaria has been selected as a partner of the National Guarantee Fund (NGF) for the implementation of the Rural Development Operational Programme (RDOP). The total guarantee limit to be administered by the bank amounts to BGN 45 million.

According to its contract with NGF, Alpha Bank Bulgaria is providing support to small and medium companies via the financing of projects whose owners have already signed contracts with the Ministry of Agriculture and Food. The NGF funds are available for beneficiaries under the following measures of the operational programme – 121 “Modernization of agricultural holdings”, 122 “Improvement if the economic value of forests”, as well as measure 123 “Adding value to agricultural and forestry products”. The facilitated access to financial resources, provided by the bank, helps agricultural manufacturers and processors in expanding their business and in realizing their investment plans’ potential.

The conditions that Alpha Bank provides to applicants allow them to benefit from a favorable maximum annual interest rate of 6.70% and a tenor of up to 7 years with a maximum client exposure of BGN 3.7 million per client, without additional application or administration charges or fees, under a simplified and fast approval procedure. The internal terms and conditions of the bank and the requirements of the NGF will apply when considering each specific application.

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7/6/2013 Employees of Alpha Bank demonstrated civic responsibility through volunteering

Around 200 Alpha Bank employees participated in the annual initiative of the bank "Volunteer Day".

Sofia, 4 June, 2013Around 200 Alpha Bank employees participated in the annual initiative of the bank "Volunteer Day". This year's campaign in support of social projects took place on 2nd of June by bank employees in Sofia, Varna, Bourgas, Plovdiv, Blagoevgrad and Rousse.

In the capital, more than 100 bank employees overtook the improvement of the main entrance of
one of the largest parks in Sofia - Zapaden Park. In the initiative they planted seasonal flowers as well as removed darnels from the Rose bushes next to the central alley. Thus they helped the entrance of this indicative for the city park to be more welcoming.

The employees from Varna, Bourgas and Plovdiv also took part in the outdoor volunteering
initiatives by cleaning parks and beaches in the respective cities. In Blagoevgrad the employees of Alpha Bank painted with enthusiasm benches and fences of kinder garden Vedrica. At Rousse employees from the region collected over 100 books, which they donated to Basarbovo cultural center.

The campaign “Volunteer Day” is organized for a 5th consecutive year under the policy for social
corporate responsibility of the bank. The initiative, which became tradition, stimulates the team building of Alpha Bank Group, demonstrates conscious and responsible attitude to the community and also exemplifies the benefits of volunteering thus motivates citizens to be more active.

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4/6/2013 Full subscription by the private sector of the rights issue

Alpha Bank S.A. announces the successful completion of its Euro 457.1 million rights issue announced on May 1, 2013

Alpha Bank S.A. (the “Bank”) announces the successful completion of its Euro 457.1 million rights issue (the “Rights Issue”) announced on May 1, 2013, with the Rights Issue fully subscribed, and the allotment of all of the shares offered in the Euro 92.9 million private placement to institutional and other qualified private investors (the “Private Placement”). As a consequence, Alpha Bank is the first among the Greek banks, to meet successfully the required private sector contribution test by raising more than 10% of its total recapitalisation amount, of Euro 4,571 million, from private investors. The Rights Issue was fully underwritten by a syndicate of international investment banks.

The Chairman of the Board of Directors of the Bank, Mr. Yannis S. Costopoulos, stated:

“We are delighted to be the first Greek Bank to meet successfully the Private Sector Contribution in the context of the recapitalisation of the Greek banking sector. The recapitalisation of Alpha Bank is a vote of confidence in the prospects of the Greek banking system and the Greek economy overall and paves the way for the country to return to the international markets. This success is further underpinned by the fact that, the Rights Issue and the Private Placement have attracted significant incremental demand from international investors who have made new investments, through our offering, at this particular turning point for Greece. With the completion of this transaction, Alpha Bank maintains its private character and, consistent with its strategy, to remain the Greek banking sector’s point of reference.”

The take-up of the Rights Issue by investors exercising their preemption and oversubscription rights exceeded 165%, confirming strong demand on the basis of the terms set out by the Bank at the inception of the Share Capital Increase. For each New Share, each private sector investor that participated in the Share Capital Increase with payment in cash will receive one warrant that will incorporate the right to purchase at least 7.31 New Shares of the Hellenic Financial Stability Fund (the “HFSF”).

More specifically, the results of the Rights Issue include the following:

  1. The Rights Issue is part of a share capital increase that was decided by the April 16, 2013 2nd Repetitive Extraordinary Shareholders General Assembly and the April 30, 2013 decision of the Board of Directors of the Bank (the “Share Capital Increase”); the other parts of the Share Capital Increase consist of the Private Placement and the HFSF contribution in kind of notes issued by the European Financial Stability Fund to the share capital of the Bank.
  2. The Rights Issue was concluded through a public offering in Greece and institutional offering outside Greece which lasted from May 17, 2013 up to and including May 31, 2013. Demand from the exercise of preemption and oversubscription rights amounted in total to 1,721,786,857 New Shares, or 165.7% decomposed to 1,001,311,756 New Shares for preemption rights or 96.4%, and 720,093,991 New Shares for oversubscription rights. In the final allocation, persons exercising preemption rights received 1,001,311,756 New Shares and persons exercising oversubscription rights received 37,551,880 New Shares against payment of a total of Euro 457.1 million and no New Shares remained unsubscribed in connection with the Rights Issue. Investors will receive one New Share for every 19.1760 New Shares requested in connection with the oversubscription.
  3. The HFSF will subscribe for 9,138,636,364 New Shares in the Share Capital Increase with contribution in kind and after all relevant actions have been completed, the Share Capital Increase shall be fully taken up and the total amount of the capital raised shall be €4.571 billion.
  4. Following the completion of the Share Capital Increase, the share capital of the Bank will amount to €4,216,871,803.60 divided into 10,922,906,012 common registered shares of a nominal value €0.30 each and 200,000,000 preference shares of a nominal value €4.70 each.
  5. The New Shares issued pursuant to the Share Capital Increase and the respective warrants will be delivered to the investors entitled thereto in dematerialised form by crediting their Investor and Securities Accounts held with the Dematerialised Securities System of the Hellenic Exchanges. The date the New Shares and the warrants will be credited to such accounts and the date of commencement of trading of the New Shares and the warrants on the Athens Exchange will be communicated by the Bank in accordance with the applicable legislation and the timetable included in the Prospectus Supplement issued for the Share Capital Increase.

Athens, June 3, 2013

This release contains certain forward-looking statements. These forward-looking statements involve risks and uncertainties that could significantly affect expected results and are based on certain key assumptions. Many factors could cause actual results to differ materially from those projected or implied in any forward-looking statements. Due to these uncertainties and risks, readers are cautioned not to place undue reliance on such forward-looking statements, which speak only as of the date of this announcement. Alpha Bank disclaims any obligation to update any forward-looking statements contained herein, except as required pursuant to applicable law.

This release is not an offer of securities for sale in the United States, Australia, Canada, South Africa, Japan or in any jurisdiction in which such offer is unlawful. Securities may not be offered or sold in the United States absent registration under the US Securities Act of 1933 (the “Securities Act”) or an exemption from registration. Subject to certain exceptions, the securities referred to herein may not be offered or sold in Australia, Canada, South Africa or Japan or to, or for the account or benefit of, any national, resident or citizen of Australia, Canada, South Africa or Japan. The securities referred to herein have not been and will not be registered under the Securities Act or under the applicable securities laws of Australia, Canada, South Africa or Japan.

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22/3/2013 Alpha Bank Bulgaria is expanding its branch network with two new offices in Sofia

Alpha Bank Bulgaria has opened two new branches in Sofia as part of its plan for development on the domestic market.

Alpha Bank Bulgaria has opened two new branches in Sofia as part of its plan for development on the domestic market. Despite the challenging economic and political environment in the country, the financial institution acts strategically and demonstrates strong position by adding two new key locations to its branch network.

The offices are situated on 137 Georgi S. Rakovski Str. and 202 Vitosha blvd (the building Park
Residence at the entrance of the South Park). With these two new locations in the center of the capital, the Bank aims to provide maximum convenience for its customers.

"From the moment it entered the Bulgarian market in 1995, Alpha Bank has been carefully planning its development. With the opening of the two new offices, we demonstrate our ustainable market presence and we do what is necessary to be closer to our customers, to facilitate their access to banking services and to meet their expectations." said the Country Manager of Alpha Bank for Bulgaria Mr. Evangelos Lytras.

Through its presence in the country Alpha Bank Bulgaria invests in development of both the
branch network as well as the innovative product line that features unique market conditions and
advantages. Alpha Housing Loan Perfecto, for example, has the longest-term fixed rate, reaching up to 10 years, while the credit card DYNAMIC VISA provides a percentage back for every purchase with it. Other outstanding products of the bank are the business packages designed to meet the specific needs of small and medium enterprises in the country and to support their development.

“Key factor for the dynamic social and economic environment in which we are is the ability to adapt. Alpha Bank's policy is to follow trends, to look for innovative approaches and offers a variety of well targeted and carefully considered products to meet specific market needs. The ability to fully engage the professionalism and expertise of our team and the ability to monitor the pulse of the market, allow us to be among the leading banking institutions in Bulgaria.” adds Mr. Lytras.

Alpha Bank Bulgaria has 86 banking offices actively operating in the country ensuring excellent
national coverage and providing professional financial services to the clients.

ALPHA BANK, founded in 1879, presents one of the leading banking and financial groups in the
South Eastern European region with presence in Greece, Cyprus,Romania, Serbia, Ukraine, Albania, F.Y.R.O.M. and United Kingdom. Alpha Bank offers а broad spectrum of products and services to citizens, small and medium businesses and market. ALPHA BANK BULGARIA is present on the market since 1995.

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4/2/2013 Completion of the transfer of Emporiki Bank’s entire share capital to Alpha Bank

Euro 8.2 billion of equity, pro forma for HFSF advances1 and Crédit Agricole’s

25/10/2012 Alpha Bank Bulgaria Headquarters in new owned premises

Alpha Bank Bulgaria has moved its headquarters in brand new premises owned by the Bank since October 15th.

Alpha Bank Bulgaria has moved its headquarters in brand new premises owned by the Bank since October 15th.
The new headquarters, which are a true masterpiece for the area of Sofia and an important investment, emphasize Alpha Bank’s trust and dedication to the Bulgarian economy and market.
The ultramodern office building is near to the airport on Tsarigradsko Shosse Boulevard. The excellent location provides easy access both to the downtown of Sofia as well as the nearby office business centers.

The total unfolded area of the building is 17,000 m2 and consists of:
1. Two underground levels with parking spaces and necessary infrastructure for Bank operation (Vaults, safe boxes, cash management etc) as well as spaces for the E+M installations (Transformers, Power generators, power distribution, heating center, UPSs etc).
2. A ground floor that houses the Bank’s main branch, a cafeteria, a multipurpose hall (fully equipped with audiovisual installations) and service spaces for security and the BMS that controls the building functions.
3. 8 levels with office spaces, including a state of the art computer room.

The building is impressive in terms of materials and technologies used. It is equipped with the best technical systems of different types of installations, computer network, central heating and cooling system while it is environmentally friendly and energy efficient.
Vangelis Lytras, CEO of Alpha Bank Bulgaria commented: “Locating the Banks management as well as all of our departments and services in one office building will allow us all to become quicker and more flexible, thus enhancing our productivity, but also it will permit us to expand our network’s capacities and the bank’s overall efficiency.”

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17/10/2012 Alpha Bank acquires the entire share capital of Emporiki Bank S.A.

Alpha Bank A.E. hereby announces that, on October 16, 2012, it entered into a contract with Crédit Agricole S.A. for the acquisition from the latter of shares in Emporiki Bank S.A. representing the entire share capital.

Alpha Bank A.E. hereby announces that, on October 16, 2012, it entered into a contract with Crédit Agricole S.A. for the acquisition from the latter of shares in Emporiki Bank S.A. representing the entire share capital. The acquisition is to be carried out under the key terms set-out in the Bank’s earlier announcement of October 1, 2012.
The transaction is expected to close by the end of this year and is subject to applicable regulatory approvals.

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1/10/2012 Alpha Bank has entered into exclusive negotiations with Credit Agricole S.A. on Emporiki Bank A key step in the restructuring of the Greek banking sector

Alpha Bank announces that it has entered into exclusive negotiations with Credit Agricole S.A. to acquire the entire share capital of Emporiki Bank.

Alpha Bank has entered into exclusive negotiations with Credit Agricole S.A. on Emporiki Bank
A key step in the restructuring of the Greek banking sector

Alpha Bank announces that it has entered into exclusive negotiations with Credit Agricole S.A. to acquire the entire share capital of Emporiki Bank. The transaction is expected to be completed by 31 December 2012 and is subject to applicable regulatory approvals and procedures as to work councils and employment representative bodies of Credit Agricole S.A.

Upon completion of the transaction, Alpha Bank will purchase Emporiki Bank recapitalised by Euro 2.85 billion. Prior to completion, Credit Agricole S.A. will inject a further Euro 0.5 billion of capital in addition to the Euro 2.3 billion capital injection completed in July 2012. Credit Agricole S.A. will also subscribe into a Euro 150 million convertible bond to be issued by Alpha Bank, which, at the discretion of Credit Agricole S.A., will convert into Alpha Bank common shares, subject to certain terms and conditions. Alpha Bank will acquire Emporiki Bank's entire share capital for a nominal consideration in accordance with the terms and conditions set by the Hellenic Financial Stability Fund. The transaction results in a net recapitalisation of the combined group of Euro 3 billion and contributes towards Alpha Bank’s own recapitalisation plan.

Alpha Bank will proceed expediently with the integration of Emporiki Bank and complete the restructuring of Emporiki undertaken by Credit Agricole S.A. since its acquisition in 2006. The integration is expected to deliver substantial financial benefits, including among others, fully phased operating cost synergies of c. Euro 150 million per annum underpinned by significant economies of scale.

The transaction represents a major step in the restructuring of the Greek banking sector with the combined Emporiki and Alpha Bank having a pro forma market share of 19% of Greek deposits and 25% in lending, including leading market shares in mortgages and corporate lending. Pro forma consolidated assets for 31 March 2012 stood at Euro 78 billion.

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23/8/2012 Alpha Bank Bulgaria won two international business awards for the online platform “Personal Loan Advisor”

Alpha Bank Bulgaria won two international business awards for the online platform “Personal Loan Advisor” Alpha Bank Bulgaria is the first bank in Bulgaria, to win two world class business awards, as part of Stevie Awards 2012, for the online platform “Personal Loan Advisor”.

Alpha Bank Bulgaria won two international business awards for the online platform “Personal Loan Advisor” Alpha Bank Bulgaria is the first bank in Bulgaria, to win two world class business awards, as part of Stevie Awards 2012, for the online platform “Personal Loan Advisor”.
The Stevie Awards were created to honor and generate public recognition of the achievements and positive contributions of organizations and individuals worldwide. Each year, the International Business Awards are judged by more than 200 executives around the world. The 2012 IBAs received entries from more than 50 nations and territories.

Alpha Bank Bulgaria won two awards in the categories “Product Development / Management Department or Team of the Year” and “Best New Product or Service of the Year - Consumer Services”, respectively Gold and Bronze Stevie Winner. Both awards were given for the
development of the online platform “Personal Loan Advisor”, which was launched in May 2011. This is a web-based platform, which aims to advise the internet users in a very comprehensive language on the usage of different loan applications. In 2011, the online platform won the first audience award at the contest BG Site 2011, in two categories: Banks & Finance and Online Services.

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17/7/2012 Three lucky people are leaving for the Olympic Games in London

The three lucky winners who are traveling together with a special someone to the Olympic Games in London, a present from Alpha Bank Bulgaria have been selected.

The three lucky winners who are traveling together with a special someone to the Olympic Games in London, a present from Alpha Bank Bulgaria have been selected. They were drawn in the contest, organized together with Visa, a worldwide sponsor of the Olympic Games London 2012. The winners will have the chance to follow the achievements of the Bulgarian Olympians up close.

The only thing cardholders had to do in order to participate was make purchases on a POS terminal with their debit or credit card. The package for two, which each of the three winners received includes everything necessary for an amazing Olympic experience - return plane tickets to London; a luxurious hotel; tickets for some of the Olympic Games; a prepaid Visa card and themed gifts.

It is through initiatives such as this one that Alpha Bank Bulgaria strives to reward the loyalty of its clients and at the same time show its zeal to provide intelligent and contemporary products with attractive terms. Drawing on the legacy to support socially meaningful initiatives, Alpha Bank Bulgaria invests in sports, culture, arts, and the environment. Providing the opportunity to its clients to be part of grand events such as the Olympic Games and support the spirit of the games is an act in this particular.

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15/5/2012 Alpha Bank Group Volunteer Day

Over 200 Alpha Bank employees participated in the annual Volunteer Day, which takes place each year in May.

Sofia, May 14th - Over 200 Alpha Bank employees participated in the annual Volunteer Day, which takes place each year in May. This year Alpha Bank Bulgaria chose to take part in the initiative of the bTV campaign “Clean Bulgaria in a day”, which is taking place nationally in Bulgaria.

The Volunteer day of Alpha Bank Bulgaria is taking place for a fourth consecutive time in Sofia and for a third in Varna and Plovdiv.
In Sofia, the Bank employees were cleaning the woods in the upper part of “Borisova Gradina” (Borisova garden) between Park Hotel Moskva and the Television tower. More than a 140 volunteers, led by Mr. Vangelis Lytras, Country Manager of Alpha Bank Bulgaria, directed all their enthusiasm and desire in cleaning and refreshing the biggest park in the center of Sofia.
In Varna a team of 30 people attended to the improvement of the region Odesos at the crossroad of the streets Bulgarski orel and Dunavski lebed. At the same time in the city of Plovdiv more than 50 employees cleaned the green areas at the foot of the Bunarjik hill.

The Volunteer Day was carried out for a fourth consecutive year in line with the Corporate Social Responsibility policy of the Bank, which observes and supports the Alpha Bank Group team spirit and collaboration.

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29/2/2012 Alpha Bank Bulgaria supported a unique performance of contemporary dance

Alpha Bank Bulgaria supported an international modern dance project of British Council, which introduced to the audience in Sofia the multitude of the European dance act through abstract dance, physical theater, dancing improvisation and music.

Alpha Bank Bulgaria supported an international modern dance project of British Council, which introduced to the audience in Sofia the multitude of the European dance act through abstract dance, physical theater, dancing improvisation and music.
The individual performances during the event are the result of the successful project “Creative Collaborations” of the British Council, which is carried out by the Dance company Heteropodi – Sofia, Greenwich Dance Agency form the UK, the Croatian Institute for Movement and Dance – Zagreb and Full House Promotion – Greece.
The project aims to introduce the diversity of the European art of dance through a series of professional meetings, discussions and performances, constructed on the principle of a joint show.
The project works for the creation of cultural exchange opportunities both between individual artists as well as cultural organizations and managers in the four participating cities (London, Sofia, Zagreb and Athens). It is concentrated on the exchange of good practices when solving problems in the development of contemporary stage act, the professional growth and the expression of artists.

In the past few years, Alpha Bank Bulgaria has supported and taken active part in the organization of big exhibitions such as Money Talks and Experience Sofia – 130 Years Capital, which reproduce parts of Bulgarian history in an interactive way. The Bank actively invests in the support of modern art. For a second consecutive year Alpha Bank is the main sponsor of the Museum Gallery for Modern Art, which gives to the Bulgarian audience the unique chance to meet renowned artists and their creations.

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28/2/2012 Alpha Bank Bulgaria offers exclusive deposit products

Alpha Three-month Deposit is a promotional deposit product by Alpha Bank, which provides an opportunity for higher return for short period of time.

Alpha Three-month Deposit is a promotional deposit product by Alpha Bank, which provides an opportunity for higher return for short period of time. It is offered for duration of three months with very attractive interest rates reaching up to 6.5% in BGN, to 5.5% in Euro and 4.00% in USD. The minimum required amount for opening is 250 currency units.
The New Alpha Progressive Deposit is a promotional deposit product that stands out with progressively growing interest rates, reaching up to 8% in BGN and 7% in EUR. New Alpha Progressive Deposit has 12 months duration, which includes 4 separate periods and in the end of each of them the client can make partial withdrawals from the principal without any penalties. The product is intended for individuals, both Bulgarian and foreign citizens.

Main advantages of the product aside from high profitability are also the flexible conditions and the opportunity to make additional deposits within the first 6 months. Monthly interest payments are performed into the servicing account. Minimum amount for opening is 1000 BGN/EUR.
Alpha Bank Bulgaria charges no fees for opening, maintenance and closing of all deposit accounts.
You can find more information about the terms and the interest rates of the deposit products in the nearest office of Alpha Bank Bulgaria, on the official website of the bank www.alphabank.bg or via calling 0700 16 222.

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12/12/2011 Dynamic VISA - The card that pays you back! Dynamic VISA is a new credit card product, result of a strategic partnership between Alpha Bank and Carrefour

Alpha Bank has launched its new credit card product - Dynamic Visa at an official event earlier today in front of the Carrefour store at Tsarigradsko shose.

Dynamic VISA - The card that pays you back!
Dynamic VISA is a new credit card product, result of a strategic partnership between Alpha Bank and Carrefour
Sofia, December 12th 2011

Alpha Bank has launched its new credit card product - Dynamic Visa at an official event earlier today in front of the Carrefour store at Tsarigradsko shose. It is one outcome of a strategic partnership between Alpha Bank and Carrefour. It is also the result of Alpha Bank’s in-depth understanding of Bulgarian consumers shopping habits as well as the bank’s desire to help them become more rational and responsible.

The greatest advantage of the internationally recognized credit card is that it offers a ‘return on each purchase’. The ‘return’ for cardholders is equivalent to a percentage discount from the value of each purchase that customers make using the Dynamic card. The sum of those discounts accumulates and is provided back to customers in the form of a voucher. The minimum cash-back amount is equivalent to 1% on each payment made with a Dynamic Visa at a POS terminal in Bulgaria and abroad.
Dynamic Visa has established a network of commercial partners, among them the popular brands - Gap, Tom Tailor, BATA, Tally Weijl, Six, Starbucks, FloCafe, SEAT, Hertz. The percentage discount that customers can get by shopping at these brands with their Dynamic VISA cards increases, starting from 4% and could reach 20%! Dynamic Visa’s main partner is the French chain of supermarkets Carrefour, where the cashback return is 10% of the sum of each purchase.

However, the aforementioned benefits are only some of the advantages that a customer gets by owning a Dynamic Visa. The first owners of the new credit card will receive a gift voucher, worth 10 leva, that can be redeemed in all Carrefour stores in Bulgaria. They will be also exempt from servicing fees and commissions for the first year!
“In order to make shopping simple for our customers and to reward their loyalty, we have developed Dynamic Visa. At Alpha Bank, we understand our clients’ customs and we always work with them to ensure their comfort and security through unique products such as Dynamic Visa”, said Mr. Lytras, CEO of Alpha Bank Bulgaria at the official opening event today.
In unison with its name, Dynamic VISA provides customers with access to very innovative application channels, consistent with the dynamic lifestyle of Bulgarians. In every Carrefour store, one can find three possible ways to apply for the card: DYNAMIC VISA stands manned by an Alpha Bank expert; custom-built terminals for online self-service, as well as DYNAMIC branded phone booths.
One can apply for Dynamic VISA even from home, by just calling 0800 19 222 (toll-free number) or going online at www.loanadvisor.eu. The interactive loan advisor – Personal Loan Advisor, has been created to provide advice to consumers in a simple language. The effectiveness of this platform is testified by it recently winning two first prizes, in the BG Site Awards for 2011 in the categories “Banks and Finance” and “Online services” voted by the public.

Applying for Dynamic VISA is free of charge across all aforementioned channels. You can get more information at: www.alphabank.bg; 0800 19 222, as well as in the nearest Alpha Bank office.

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6/12/2011 Alpha Bank named “Bank of the Year” in Greece at The Banker Awards 2011

Alpha Bank was named “Bank of the Year” in Greece for 2011 for the second consecutive year by “The Banker” magazine, at the awards ceremony hosted in London, on November 30, 2011.

Alpha Bank was named “Bank of the Year” in Greece for 2011 for the second consecutive year by “The Banker” magazine, at the awards ceremony hosted in London, on November 30, 2011.
Regarded as the industry standard for banking excellence, the award recognises Alpha Bank’s resilient operating performance in 2011. Its conservative strategy and cost-cutting initiatives were praised by the judges as positioning the Bank well to withstand the financial crisis.
Alpha Bank was also commended for its planned merger with Eurobank, an arrangement acknowledged as ground-breaking. According to “The Banker”, the new entity will be well placed not only to withstand the current economic turbulence but to create fresh opportunities and play a pivotal role in the future growth of the region.

As the jury of “The Banker” pointed out, “The Alpha Bank and Eurobank merger should have the critical mass to weather the storm, whatever capital demands may fall on Greek banks”.
Alpha Bank Executive Chairman, Mr. Yannis S. Costopoulos, said, “The award is proof that the hard work and commitment of everyone at Alpha Bank has been recognised for the second consecutive year, during this very difficult time for the Greek economy”.
“Our merger with Eurobank leads the way for the consolidation in the Greek banking industry, in order to craft the leading bank in Greece and one of the top 25 banking groups in the Euro-area. We consider the existence of strong private-sector banks to be an essential precondition for Greece’s economic recovery”, he added.

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26/7/2011 Nearly 8000 cetizens of Plovdiv played different sports during the weekend with Sports Panorama Alpha Bank

Sports Panorama Alpha Bank, started in Plovdiv on 22 July on the central square in front of the Post office, attracted nearly 8000 residents and guests of the city, who preferred to play sports during the weekend.

Sports Panorama Alpha Bank, started in Plovdiv on 22 July on the central square in front of the Post office, attracted nearly 8000 residents and guests of the city, who preferred to play sports during the weekend. Mr. Georgi Tityukov, Deputy Mayor of Plovdiv Municipality and Mrs. Sevdalina Vasileva –Retail banking business unit manager, in the presence of the country manager of Alpha Bank Bulgaria Mr. Vangelis Lytras, gave official start of the Sports Panorama Alpha Bank in Plovdiv.

The event was attended mostly by youth, who competed in the represented sports – soccer, rock climbing, biking, children's bungee trampoline, basketball, play station 3, foosball, and bowling. The most popular and heated activities were the bowling competition and the rock climbing. Participants who managed to utilize at least eight facilities won awards.

The idea for an Alpha Bank Sport Panorama was originally born during Alpha Bank's official sponsorship of the XXVIII summer Olympic Games in Athens in 2004. The main goal is to promote sport activities and the spirit that they bring by making them fun and entertaining.

This year the tour of Sports Panorama Alpha Bank covered 4 cities: Pleven, Varna, Burgas and Plovdiv. Over 30 000 people participated in the event for the period 1 – 24 July 2011.

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11/7/2011 Over 10 000 VARNA citizens participated in Alpha Bank Sport Panorama Weekend

Alpha Bank's Sport Panorama, which started on the 8st of July at the entrance of Morska gradina, attracted over 10 000 citizens who preferred sport activities over the weekend.

Burgas and Plovdiv get ready!

Alpha Bank's Sport Panorama, which started on the 8st of July at the entrance of Morska gradina, attracted over 10 000 citizens who preferred sport activities over the weekend. The deputy mayor of Varna Gen. Vesselin Petrov and the Alpha Bank Bulgaria Country Manager Evangelos Lytras, officially launched t Alpha Bank Sport Panorama in the city.

The event was attended mostly by youth, who competed in the represented sports – soccer, rock climbing, cycling, children's bungee trampoline, basketball, playstation 3, foosball, and bowling.
The most popular and heated activities were Formula 1 simulator and the cycling contests.
Participants who managed to utilize at least eight facilities won awards.
The idea for an Alpha Bank Sport Panorama was originally born during Alpha Bank's official sponsorship of the XXVIII summer olympic games in Athens in 2004. The goal of Sports Panorama Alpha Bank is, by means of entertainment, to make sports games and the spirit they bring popular.

The Sport Panorama will continue in the cities of Burgas and Plovdiv. Visitor days in those cities will also be Friday, Saturday and Sunday and the facilities will be open to the public from 19:00 until 22:00 on Friday, and from 10:00 until 14:00 and from 18:00 until 22:00 on Saturday and Sunday.

Alpha Bank's Sport Panorama Tour Schedule:
Burgas – Friday, July 15th – Sunday, July 17th, „Troykata” square
Plovdiv – Friday, July 22nd – Sunday, July 24th, the square in front of the post office

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8/7/2011 Alpha Bank Sport Panorama will visit Varna

Alpha Bank carries the Olympic spirit to Bulgaria through the Alpha Bank Sport Panorama event, which visited the country for the third time this year from July 1st to the 24th.

Official opening, July 8th, 19.00 h., at the entrance of Morska gradina

Alpha Bank carries the Olympic spirit to Bulgaria through the Alpha Bank Sport Panorama event, which visited the country for the third time this year from July 1st to the 24th.
The Panorama has already delighted the citizens of Pleven city and the tour continues on through Varna, Burgas, and Plovdiv. Sports Panorama was first held in Greece in 2004 and the idea was originally born during Alpha Bank's official sponsorship of the XXVIII summer Olympic Games in Athens. . The main goal is to promote sport activities and the spirit that they bring by making them fun and entertaining.

At the entrance of Morska gradina in Varna city, different sport facilities will be assembled over 2000 m2 area, where visitors will enjoy some popular sport activities – basketball, soccer, cycling, bowling, bungee trampoline, children's bungee trampoline, rock climbing and electronic sport games. There will also be a Formula 1 car simulator. Trained instructors will explain the rules of the specific sport game to participants and will take care of the safety of the attendees. Traditionally the sport activities are also accompanied by entertainment, gifts and surprises both for the viewers and the players.

The Alpha Bank Sport Panorama starts in Varna on Friday, July 8th, at the entrance of the Morska gradina and will be held with the support of Varna Municipality. At 19:00 h. the Alpha Bank Bulgaria Manager, Mr. Evangelos Lytras will launch the grand opening of the event. The Mayor of Varna, Mr. Kiryl Jordanov is also invited.

The event duration is three days- Friday, Saturday and Sunday, both in Varna and in the other cities. The facilities will be open to the public from 18:00 until 22:00 on Friday, and from 10:00 until 14:00 and from 18:00 until 22:00 on Saturday and Sunday.

Alpha Bank's Sport Panorama Tour Schedule:
Varna – Friday, July 8th – Sunday, July 10th, “Morska gradina entrance
Burgas – Friday, July 15th – Sunday, July 17th, „Troykata” square
Plovdiv – Friday, July 22nd – Sunday, July 24th, the square in front of the post office

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5/7/2011 Over 5000 Pleven citizens participated in Alpha Bank Sport Panorama weekend

Alpha Bank's Sport Panorama, which started on the 1st of July on “Vazrajdane” square in Pleven, attracted over 5000 citizens who preferred sport activities during the weekend.

Varna, Burgas and Plovdiv get ready!

Alpha Bank's Sport Panorama, which started on the 1st of July on “Vazrajdane” square in Pleven, attracted over 5000 citizens who preferred sport activities during the weekend. The mayor of Pleven, Nayden Zelenogorski and the Alpha Bank Bulgaria Country Manager, Evangelos Lytras officially launched the Alpha Bank Sport Panorama tour in Bulgaria.
The event was attended mostly by youth, who competed in the represented sports – soccer, rock climbing, cycling, children's bungee trampoline, basketball, playstation 3, foosball, and bowling.
The most popular and heated activities were the Formula 1 car simulator races and the cycling contests. The most active participants, who made through eight of the sports facilities, received awards.

The idea for an Alpha Bank Sport Panorama was originally born during Alpha Bank's official sponsorship of the XXVIII summer Olympic Games in Athens in 2004. The main goal is to promote sport activities and the spirit that they bring by making them fun and entertaining.
The Sport Panorama will continue in the cities of Varna, Burgas, and Plovdiv. Days of participation remain the same – Friday, Saturday and Sunday, and hours of participation are: Friday from 18:00 to 22:00, Saturday and Sunday from 10:00 to 14:00 h and from 18:00 to 22:00 h

Alpha Bank's Sport Panorama Tour Schedule:
Varna – Friday, July 8th – Sunday, July 10th, “Morska” garden entrance
Burgas – Friday, July 15th – Sunday, July 17th, „Troykata” square
Plovdiv – Friday, July 22nd – Sunday, July 24th, the square in front of the post office

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28/6/2011 Alpha Bank Sport Panorama arrives in Bulgaria

Alpha Bank will bring the Olympic spirit to Bulgaria with the Alpha Bank Sport Panorama event, which will visit the country from July 1st until the 24th.

Grand Opening – Pleven, July 1st, „Vyzrajdane” square

Alpha Bank will bring the Olympic spirit to Bulgaria with the Alpha Bank Sport Panorama event, which will visit the country from July 1st until the 24th. Pleven, Varna, Burgas and Plovdiv will become part of the regional tour of the sports event, which was first held in Greece in 2004. The idea for the Sport Panorama was originally born during Alpha Bank's official sponsorship of the XXVIII summer Olympic Games in Athens.

The goal of “Sports Panorama Alpha Bank” is, by means of entertainment, to make sports games and the spirit they bring popular.
In central locations of the cities mentioned, different sport facilities will be assembled over 1700 - 2000 m2 area, where visitors will enjoy some popular sport activities – basketball, soccer, cycling, bowling, bungee trampoline, children's bungee trampoline, rock climbing and play station 3 sport games. In addition, there will be a Formula 1 car simulator available for the attendees to try. Trained instructors will explain the rules of the specific sport game to participants and will take care of the safety of the attendees. Traditionally the sport activities are also accompanied by entertainment, gifts and surprises both for the viewers and the players.

Alpha Bank Sport Panorama starts in Pleven on Friday, July 1st, on “Vazrajdane” square, and will held under the support of the Pleven Municipality. At 19:00 h. the Alpha Bank Bulgaria Country Manager, Mr. Evangelos Lytras, the Mayor of Pleven, Mr. Nayden Zelenogorski and members of the municipality will launch the grand opening of the event.

The event duration is three days- Friday, Saturday and Sunday, both in Pleven and in the other cities.
Days of participation are – Friday, Saturday and Sunday, and hours of participation are:
Friday from 19:00 to 22:00, Saturday and Sunday from 10:00 to 14:00 h and from 18:00 to 22:00 h

Alpha Bank's Sport Panorama Tour Schedule:
Varna – Friday, July 8th – Sunday, July 10th, “Morska” garden entrance
Burgas – Friday, July 15th – Sunday, July 17th, „Troykata” square
Plovdiv – Friday, July 22nd – Sunday, July 24th, the square in front of the post office

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10/6/2011 Alpha Bank gave children books to a school with 117 years of history

The employees from the Headquarters and all offices of Alpha Bank in Sofia gave over 200 books with Bulgarian and World classic literature from their personal libraries to 120 „Georgi Sava Rakovski“ school in the capital, where children from first to seventh grade are being taught at.

The employees from the Headquarters and all offices of Alpha Bank in Sofia gave over 200 books with Bulgarian and World classic literature from their personal libraries to 120 „Georgi Sava Rakovski“ school in the capital, where children from first to seventh grade are being taught at.
The internal campaign of the Bank was held under the motto „Together we know more“. Over 300 bank employees participated in the Volunteer Day, which is organized for third consecutive year by the financial institution. The campaign is a part of the corporate-social responsibility initiatives of Alpha Bank Group.

Traditionally they are devoted to the children, education, ecology and the environment in which we live.
The children books were collected on a special library in Alpha Bank’s Head office.
The beautiful shaped library was donated to the school by Mr. Vangelis Lytras, Country manager of Alpha Bank Bulgaria during a personal meeting with the students and the school management.
Besides the initiative in the capital, the bank’s employees organized a cleaning of green areas in Varna and Plovdiv.

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1/6/2011 Alpha Bank offers a new housing loan especially developed after a research of the people's needs

Alpha Bank launches on the market its last offer for mortgage loan in euro – Alpha Housing Loan Perfecto, offering fixed interest rate for 3, 5, 7 or 10 years and designed for purchase, renovation and refinancing.

Alpha Bank launches on the market its last offer for mortgage loan in euro – Alpha Housing Loan Perfecto, offering fixed interest rate for 3, 5, 7 or 10 years and designed for purchase, renovation and refinancing.
Alpha Housing Loan Perfecto is developed on the bases of a detailed research conducted in 7 cities in the country that identified the customers’ attitude towards mortgage loans and their perception regarding the features of the ideal mortgage product.
The results indicate that the main concern for any potential customer is the possible future change in the loan terms and in particular the increasing interest rate. That is the reason why, Alpha Bank created for its customers a housing loan with the longest period of fixed rate on the mortgage market to ensure the peace and the stability of its customers and to enable them to successfully forsee their costs and manage their family budgets.

The newest offer of Alpha Bank – Alpha Housing Loan Perfecto offers fixed interest rate for 3, 5, 7 or 10 years starting from 6,40% and the customer chooses what is the best option for him, according to his needs and preferences. After the selected fixed period the interest is transparently formed from 3m EuriBor plus spread.

The pre-payment fee for Alpha housing loan Perfecto is also extremely competitive - 1.5% for the period of the loan and 2.5% during the fixed period.
In case of Alpha mortgage package, including credit card, debit card, transfer of salary and active web banking, the customers will receive additional discounts and minimum requirements for the preferences usage.
The main challenge that the Bank faced when developing this product was to offer a fixed interest rate for up to 10 years, despite the trend of rising interest rates on the European financial markets. This again demonstrates the readiness of Alpha Bank to meet its customers’ needs and expectations by creating innovative and attractive products and its position as one of the most active and aggressive players in the field of mortgage lending.

To facilitate its customers the bank recently launched the website www.loanadvisor.eu, where anyone can obtain professional advice for all types of loans. Verification of any monthly installment loan can be done via SMS to 16222.

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18/5/2011 Personal Loan Advisor starts online

On May 18, 2011 starts the first of its kind, free of any charge, interactive loan advisor - Personal Loan Advisor.

On May 18, 2011 starts the first of its kind, free of any charge, interactive loan advisor - Personal Loan Advisor. This is a web-based platform, which aims to advise the internet users in a very comprehensive language on the usage of different loan applications.

The user can make a consultation "alone" with its computer about what is most profitable and best meets the needs of its funding, to play out different options and decide on next steps in convenient for him/her time, without having to visit a bank branch.

At address http://www.loanadvisor.eu any user has the opportunity to assess the maximum amount which s/he may acquire by the Bank, to get information on the APR according the desired amount of loan or the preferred monthly installment as well as to get fully acquainted with the offered loan products.
The main objective aimed by the creators of the site http://www.loanadvisor.eu is to optimize the time needed for choosing a loan product in the internet space. Thus, with the assistance of few interactive applications, the user may quickly and easily find his/her way among the numerous products offered.
When choosing between consumer and housing loans, the specially created liability calculator calculates the maximum amount which the Bank may grant according the criteria provided by the user. The loan compass offers the best solution according the users’ needs.
The visitor is supported at any stage by explanatory help texts, as well as by glossary, which presents the Bank terms in easy and understandable language. The animated loan advisor presents the platform functionalities in an interactive and funny way.
The ones, who wish to use the opportunity, may use the option to apply online for any loan product, offered by Alpha Bank. After preliminary approval the applicant will be invited by phone to visit the chosen by him/her branch of Alpha Bank. After preliminary approval the applicant will be invited by phone to visit the chosen by him/her branch of the Bank, where the process is to be finalized with signing the prepared documents.
Besides the convenience and ease of its use, the site helps improving the understanding and the
financial culture of the Bulgarian for the bank credit products and their responsible use.

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13/4/2011 Petar Beron's telescope and Aleko Konstantinov's watch "come to life" in the first interactive exhibition entitled "Money Talks"

The first interactive exhibition entitled "Money Talks" was inaugurated today, in the Sofia Central Bath.

The first interactive exhibition entitled "Money Talks" was inaugurated today, in the Sofia Central Bath. By May 10, 2011 Sofia’s residents and guests will have the opportunity to freely inspect the legacy left by seven historical figures which are depicted on the Bulgarian banknotes in circulation. The exhibition is organized by Alpha Bank and a talented team of Bulgarian authors, supported also by Sofia Municipality and Municipal enterprise "Old Sofia".

“The decision to support the exhibition entitled "Money Talks" is a natural extension of the social responsibility policy led by Alpha Bank Bulgaria", said Mr. Vangelis Lytras, Country Manager of Alpha Bank Bulgaria. "I believe this modern flashback will achieve its main goal -help raising awareness of Bulgarian history and causing the public interest. Moreover, everyone can leave its personal imprint in history by participating in the rewriting of “Istoriya Slavyanobalgarskaja.”

Personal belongings, portraits, parts from diaries, correspondence and works of emblematic
artists and personalities including St. Ivan Rilski, Paisii Hilendarski, Aleko Konstantinov, Petar Beron, Pencho Slaveikov, Ivan Milev, Stefan Stambolov will be displayed for all visitors of the exhibition.

In order to immerse the visitors in the atmosphere of old times, the authors have selected
authentic photographs of the Bulgarian patriots travels at the country and abroad, footage from their home area, memories of their closest friends and relatives. Among the exponates in the exhibition entitled "Money Talks" are a number of preserved artifacts from the past of Bulgaria, cleverly combined with archival video and audio materials, recalling the habits and the architecture of XVIII, XIX and XX century.

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2/2/2011 Preferential conditions for Alpha Loan All in 1

Alpha Bank announces promotion - lower interest rates on consumer loan Alpha All in 1.

Alpha Bank announces promotion - lower interest rates on consumer loan Alpha All in 1, respectively: from 14.5% to 13.00% without salary transfer and from 12.5% to 12.00% with
salary transfer until April 30, 2011.
In addition there is no application fee for the Bank’s customers through the same period:
from February 1-st until April 30, 2011.
In order to facilitate the customers, Alpha Bank offers a phone preapproval, which could be obtained with one phone call to number 0700 16 222
Alpha All in 1 consolidates the outstanding amounts of consumer loans, overdrafts and credit cards. Besides the convenience of paying only one installment, a longer period is applied in order to  optimize the new loan installment. Alpha All in 1 is a debt consolidating product which gives the opportunity to people with existing credits to reduce up to three times the amount of their existing monthly installments.

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15/12/2010 Alpha Bank won the International "Bank of the Year" award

Alpha Bank won the "Bank of the Year" award for 2010 in Greece by the prestigious international financial magazine, "The Banker".

Alpha Bank won the "Bank of the Year" award for 2010 in Greece by the prestigious international financial magazine, "The Banker". The awards ceremony was held in London on December 2, 2010.
The representatives of the magazine acknowledged the significant efforts of the banking sector in Greece who is facing harsh economic environment, as a result of the Greek crisis.
The jury highlighted that Alpha Bank has the best position to emerge from the difficult economic situation due to the conservative policy pursued and that is has one of the highest capital adequacy ratios among Greek banks.
"The Banker" jury also stressed that the performance of Alpha Bank on Europe-wide crisis situations simulation (stress tests) carried out by the Committee of European Banking Supervisors, was better than its main competitors.
"This distinction recognizes the strong potential for our business. With the stable and balanced policy we have, we guard our balance sheet and ensure our funds, while maintaining sufficient liquidity. Alpha Bank deals effectively in this difficult environment and supports the efforts of its customers to adapt to the current economic conditions", the Chairman of the Board of Alpha Bank, Mr. Yannis S. Costopoulos said.

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6/12/2010 Opening of special therapeutic room in the First Special School for Children with Disabilities in Sofia sponsored by Alpha Bank

In addition to that, earlier this year, as part of the annual Volunteer Day which Alpha Bank’s employees world-wide support and contribute to, Alpha Bank employees in Sofia had renovated the classrooms in the same school.

In the framework of the Alpha Bank’s Corporate Social Responsibility Program, Alpha Bank Bulgaria sponsored the First Special School for Children with Disabilities in Sofia by donating equipment for special sensory room that will allow the schoolchildren to benefit from medical treatment with special light and sound therapies.

In addition to that, earlier this year, as part of the annual Volunteer Day which Alpha Bank’s employees world-wide support and contribute to, Alpha Bank employees in Sofia had renovated the classrooms in the same school.

“Social responsibility is part of the corporate culture of Alpha Bank world-wide and Bulgaria is no exception” said Evagelos Lytras, Country Manager of Alpha Bank – Bulgaria in the official opening of the special therapeutic room. “Today, on St. Nicholas day, we are honoured, that the School Management invited us to the official opening of the special therapeutic room.

Apart from our business objectives, we are fully aware that there are areas and people in life who are less fortunate and it is our commitment to help in any way we can”.

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4/11/2010 Alpha Bank decreased the interest rates for housing loans

Alpha Bank decreased the interest rates for housing loans for purchase, refinancing and
construction. Thereby the offer from the Bank for housing loans in euro is even more
favorable – with fixed rate of 6.79 % for the first two years, after which floating interest rate of
3M EURIBOR plus spread decreased to 6.85% for standard housing loans.

Alpha Bank decreased the interest rates for housing loans for purchase, refinancing and construction. Thereby the offer from the Bank for housing loans in euro is even more favorable – with fixed rate of 6.79 % for the first two years, after which floating interest rate of 3M EURIBOR plus spread decreased to 6.85% for standard housing loans.

Alpha Housing Loan gives the possibility to finance up to 100% and maximum payout period is up to 30 years. The mortgage loan is without application and approval fees till the end of year 2010.

The Bank offers one more facilitation to the customers - information by SMS about monthly installment. Everyone, who sends a message to 1855 with the amount of the loan and the years of payout period, will receive SMS with the answer from the Bank with the monthly installment in euro. The price for SMS is 0, 60 BGN.

Alpha Bank decreased also the interest rate of the housing loan in euro with a floating interest rate for the entire repayment period.

When buying “Alpha mortgage package”, including credit card, debit card, transfer salary and active web banking and loan amount to 50% from the evaluation of security properties, customers receive a discount by a floating interest rate amounting to 0.45 %.

Mortgage loan for purchase of housing is disbursed once or in several tranches under individual loan contract.

 

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3/11/2010 Alpha Bank launches Alpha ULTIMA savings account

The account is designed for individual customers who prefer to take advantage of high interest rate while maintaining their liquidity at any time.

As of 1 November 2010 Alpha Bank has started a campaign of Alpha ULTIMA savings account. The
account is designed for individual customers who prefer to take advantage of high interest rate while
maintaining their liquidity at any time. Alpha ULTIMA is offering an interest rate that is reaching up to
6% for BGN and up to 4% for EUR and is allowing unlimited deposits and withdrawals at any time.
Alpha ULTIMA savings account can be used for receiving money transfers, executing payments,
depositing and withdrawing of funds. The account can be managed from any office of Alpha Bank in
Bulgaria or through Alpha Bank Web Banking services. There are no fees for account opening and
maintenance and no fees owed for cash deposits as well.

“Everything is in the combination” is the Alpha Bank campaign which has started as of November
1st. The customers have the possibility to take advantage of the unique combination including Alpha
ULTIMA savings account, free Alpha Bank Enter Master Card / international debit card offered with
no fees for withdrawals or purchases in Bulgaria until the end of the year 2010/ and active on-line
banking.
Invested amounts are guaranteed up to EUR 100,000 in accordance with the Greek legislation.

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1/10/2010 Information by SMS about monthly installment for housing loan offered by Alpha Bank

From today till the end of the year 2010 Alpha Bank offers unique service - information by SMS about monthly installment for Alpha Housing loan.

From today till the end of the year 2010 Alpha Bank offers unique service - information by SMS about monthly installment for Alpha Housing loan.
Everyone, who sends a message to 1855 with the amount of the loan and the years of payout period, will receive SMS with the answer from the Bank with the monthly installment in euro. The price for SMS is 0, 60 BGN.

Alpha Housing Loan until the end of year 2010 is without application and approval fees and gives the possibility to finance up to 100% with maximum payout period up to 30 years.
Alpha Bank customers have a possibility to take advantage from the special proposal for housing loans in euro with rate of 6.79 % for the first two years, after which floating interest rate of 3M EURIBOR plus spread 7.85%.

Mortgage loan for purchase of housing is disbursed once or in several tranches under individual loan contract.

For more information: www.alphabank.bg ; 070016222

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24/9/2010 Housing loan without application and approval fees offered by Alpha Bank

Alpha Bank offers mortgage loan for purchase of housing without application and approval fees.

Alpha Bank offers mortgage loan for purchase of housing without application and approval
fees. The Attractive offer will be available till the end of year 2010. Alpha Housing Loan gives the possibility to finance up to 100% and maximum payout period is up to 30 years.

Alpha Bank customers have a possibility to take advantage from the special proposal for housing loans in euro with rate of 6.79 % for the first two years, after which floating interest rate of 3M EURIBOR plus spread 7.85%.

Alpha Bank offers also a new housing loan in euro with a floating interest rate for the entire
repayment period.
When buying “Alpha mortgage package”, including credit card, debit card, transfer salary and active web banking and loan amount to 50% from the evaluation of security properties, customers receive a discount by a floating interest rate amounting to 0.30 %.

Mortgage loan for purchase of housing is disbursed once or in several tranches under individual loan contract.

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22/6/2010 The newest credit product of Alpha Bank is Loan Alpha All -in -one

For the first time in the country Alpha Bank offers Loan All -in -one, which combines the
obligations of consumer loans, overdrafts and credit cards.

For the first time in the country Alpha Bank offers Loan All -in -one, which combines the
obligations of consumer loans, overdrafts and credit cards.

The newest product of the Bank provides monthly budget increasing by a lower amount of monthly installment payments and only one instead of several installments. The maximum loan amount is up to BGN 100 000.

Customers of Alpha Bank have an opportunity to receive additional funds of up to 20% on the amount of combined consumer loans, overdrafts and credit cards.

The integration of the new offer by Alpha Bank is part of its policy to enrich the portfolio of service offerings which improve the quality of the service and provide convenience and security to the customers.

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7/6/2010 Alpha Bank offers new convenient money transfer service with Money Gram

In the beginning of June Alpha Bank will start offering the new service – express money transfers through the Money Gram.

In the beginning of June Alpha Bank will start offering the new service – express money transfers through the Money Gram system which includes a network of 190 thousands agents in 190 000 countries and territories, where a customer couldsend or receive express money transfers.

The integration of Money Gram services by Alpha Bank is part of its policy to enrich the portfolio of service offerings which improve the quality of the service and provide convenience and security to the customers.

The new service offered by Alpha Bank will give an opportunity to the customers to perform express international transfers within 10 minutes without the need for them to have a bank account and while ensuring fast, secure and convenient money transfers.

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28/5/2010 "Alpha Bank Sports panorama" visits Bulgaria

Alpha Bank will bring the olympic spirit to Bulgaria with the event Alpha Bank Sports Panorama, that will visit us from May 28th to June 20th.

Official opening - May 28, Sofia, Borissova Garden next to Ariana pond Sofia, May 28, 2008 - Alpha Bank will bring the olympic spirit to Bulgaria with the event Alpha Bank Sports Panorama, that will visit us from May 28th to June 20th.

Sofia, Russe, Varna and Stara Zagora will become part of the regional tour of the sports event,that took place for the first time in Greece in 2004. The idea about it came after the officials ponsorship of Alpha Bank to the XXVIII summer olympic games in Athens. The goal of Alpha Bank Sports Panorama is, by means of entertainment, to make sports games and the spirit they bring popular.

In central places of the mentioned cities, in an area of 1700 - 2000 sq.m., will be situated various sports facilities, where visitors will have the possibility to participate and have funwith popular sports and games - football, climbing, basketball, cycling, bungee trampoline, bowling, fussball, children bungy trampoline, Play station 3. There will be a Formula 1 car simulator, and NASA simulator. Specially trained instructors will explicate the rules of the respective sport to those who wish to participate and will take careof the participants' safety.

Traditionally sport activities are accompanied by entertainment, presents and surprises for both spectators and participants.
Alpha Bank Sports Panorama starts in Sofia on May 28, Friday in Borissova Garden next to Ariana pond and is carried out under the aegis of Sofia Municipality. At 19:00 h the country manager of Alpha Bank Bulgaria Mr Philippos Petrou, the mayor Mrs. Yordanka Fandakova, the depute mayor Lyubomir Hristov, Hristo Angelichin and other representatives of the Sofia Municipality will open the event.

The duration of the activity, both in Sofia and in the rest of the cities, will be three days - Friday, Satuday and Sunday. Hours of participation:
Friday from 19:00 to 22:00 h
Saturday and Sunday from 10:00 to 14:00 h and from 18:00 to 22:00 h
Schedule of Alpha Bank Sports Panorama:
Sofia - Friday, May 28 – Sunday, May 30, Borissova Graden next to Ariana pond
Russe - Friday, June 04 – Sunday, June 06, central square “Svoboda”
Varna - Friday, June 11 – Sunday, June 13, entrance of Morska gradina (Marine garden)
Stara Zagora - Friday, June 18 – Sunday, June 20, square in front the Municipality

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17/5/2010 Alpha Bank Employees undertake volunteer work in social and ecological initiatives

Over 200 Alpha Bank employees participated in the annual Volunteer Day. This year, in
addition to Sofia, the initiative took place for the first time in Varna and in Plovdiv.

In Sofia, Bank employees renovated classrooms in the First Special School which is located
in the capital. The School socialises, educates and trains children with mental problems from
Grades 1 to 10.

The second initiative that was carried out in Sofia was the cleanup of the area around the
“Kambanite” monument.

Volunteers, led by Mr. Philip Petrou, Country Manager of Alpha Bank-Bulgaria, directed all
their enthusiasm and skills in painting and renovating a school for children with special
educational needs. They tried to improve learning conditions and training in classrooms in
order to make students’ lives more colourful and cheerful.

The Varna team attended to the improvement of the “Sevastopol” garden in the city centre
and employees from the city of Plovdiv cleaned the green areas at the foot of the Bunarjik
hill. As a result of this initiative over 500 kilograms of waste were collected and transported
from the three cities.

The Volunteer Day was carried out for the second consecutive year in line with the Corporate
Social Responsibility policy of the Bank, which observes and supports the Alpha Bank Group
team spirit and collaboration.

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13/5/2010 A new housing loan for purchase, refinancing, construction and repair by Alpha Bank

Alpha Bank offers mortgage loan for purchase or construction of housing with the possibility to finance up to 100% and maximum payout period up to 30 years.

Alpha Bank offers mortgage loan for purchase or construction of housing with the possibility
to finance up to 100% and maximum payout period up to 30 years.

Alpha Bank customers have a possibility to take advantage from the special proposal for housing loans in euro with rate of 6.79 % for the first two years, after which floating interest rate of 3M EURIBOR plus spread 7.85%.
Alpha Bank offers also a new housing loan in euro with a floating interest rate for the entire
repayment period.
When buying “Alpha mortgage package”, including credit card, debit card, transfer salary and
active web banking and loan amount to 50% from the evaluation of security properties, customers receive a discount by a floating interest rate amounting to 0.30 %.
Mortgage loan for purchase of housing is disbursed once or in several tranches under individual loan contract.

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29/4/2010 You don’t wait for the interest anymore. You get it right now. “Alpha In Advance” is the new promotional deposit offered by Alpha Bank

Alpha Bank offers promotional conditions for term deposit with advance payment of the
interest.

Alpha Bank offers promotional conditions for term deposit with advance payment of the
interest. The product is designed for customers who would rather receive the interest at the
opening rather than at the end of the maturity period. The interest is fixed for the whole
period and is up to 8% in BGN and up to 6% in EUR

The benefits for the clients are that they receive the interest at the begining of the period.
Alpha Bank is giving the customers the opportunity to choose currency- BGN and EUR and
term- 3, 6 and 12 months

The minimum opening amount is 1000 currency units and there are no restrictions for
maximum deposited amount.

Alpha Bank does not collect any fees for opening, maintenance and closure of the deposit.

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22/4/2010 Alpha Bank opened an office in The Mall

Alpha Bank Bulgaria welcomed the first visitors of its newly opened branch in the newest
shopping center in Sofia - The Mall.

Alpha Bank Bulgaria welcomed the first visitors of its newly opened branch in the newest
shopping center in Sofia - The Mall. Customers of financial institutions will be able to use the
services of the bank from 10:00 am till 10:00 pm seven days a week.

Providing convenient and accessible location Alpha Bank facilitates its customers in the use
of banking services.

The bank institution moved the office from "Drujba" district to „Tsarigradsko Shosse“ with a
view of the opportunities for service and attractive location for the consumers.

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22/1/2010 Alpha Bank offers exclusive conditions on deposits

„Alpha Progressive deposit“ is offered to individuals (Bulgarian and foreign citizens) and has
growing interest rates depending on the deposit period reaching up to 10% for BGN for a
year.

„Alpha Progressive deposit“ is offered to individuals (Bulgarian and foreign citizens) and has
growing interest rates depending on the deposit period reaching up to 10% for BGN for a
year.

The specificity of the term deposit is that the interest rate is increasing progressively while
the accrued interest income is credited monthly to the customer’s servicing account,
specified by the deposit Holder in the Contract.

The term deposit is with duration of 12 months, including 4 periods with 3 months each.

There is no account opening, maintenance and account closure charge.

The minimum amount for opening „Alpha progressive deposit“ is BGN 1000 or EUR 1000.

Additional deposits in the progressive term deposit are allowed within the first 3 months..

Withdrawals from the principal are allowed on maturity, at each quarter without penalty

The interest rates for all periods are fixed and do not change for the duration of the deposit.
More information you can receive on 0700 16 222, on the website: www.alphabank.bg and at
the nearest to you office of Alpha Bank – Bulgaria branch.

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11/12/2009 Alpha Bank launches a credit card with no annual fee forever

From the beginning of December until the end of January 2010 Alpha Bank offers to new
customers an Alpha Bank Visa credit card with no annual fee forever.

From the beginning of December until the end of January 2010 Alpha Bank offers to new
customers an Alpha Bank Visa credit card with no annual fee forever.

Alpha Bank Visa cardholders benefit from all the advantages of the credit card anywhere in
the world at any time.

Alpha Bank offers favorable financial terms for purchases and cash withdrawals in Bulgaria
and abroad. The customers receive free monthly statements and can opt for skip payment of
a minimum monthly payment.

The only documents needed for issuing Alpha Bank Visa credit cards are an identity card
and an application-contract which can be handed in at any of the 120 offices of Alpha Bank
throughout the country.

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15/10/2009 Alpha Bank donates 140 exponents from the exhibition "Experience Sofia – 130 years capital" to the Sofia Municipality

Today, on October 15, 2009, during a Press Conference held in Sofia Town Hall, the Country Manager of Alpha Bank Bulgaria Mr. Philip Petrou, announced the next stage of the “Experience Sofia – 130 years capital” project.

Today, on October 15, 2009, during a Press Conference held in Sofia Town Hall, the Country Manager of Alpha Bank Bulgaria Mr. Philip Petrou, announced the next stage of the “Experience Sofia – 130 years capital” project. On the occasion of the 130th anniversary of Sofia’s proclamation as a capital and the Bank’s presence in Bulgaria, Alpha Bank donated over 70 photos of the old city to the Municipality.
Part of the exhibits will be displayed in the subway stations of the capital Metropoliten, while others will decorate the walls of the building on 33 Moskovska Str.
The Mayor of Sofia Mr. Minko Gerdjikov, expressed his satisfaction by the jointly implemented project, promoting cultural and historical heritage of the city and representing to the residents and guests of the capital the architectural achievements at the end of 19th and the beginning of 20th century.

Representatives of the Municipality administration attended the conference and received honorary plaques from Mr. Philip Petrou, in token of gratitude for the cooperation and professionalism in the realisation of the exhibition.
Within a month, 20 enlarged photos of emblematic monuments and buildings had been placed in the central part of the city and in the tent on Saint Nedelya Sq. visitors had the opportunity to enjoy 70 more photos accompanied by interest information about the history of Sofia. On the occasion of the campaign, student tours were carried out during which children were able to see the exponents. Sofia citizens and guests of the city watched a projection of archive frames on the facade of the National Palace of Culture.

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15/9/2009 Alpha Bank and the Sofia Municipality celebrate their 130th anniversary

Alpha Bank, one of the leading banking institutions in the region and Sofia Municipality inaugurated a high profile cultural event for the joint celebration of their 130th anniversary.

Alpha Bank, one of the leading banking institutions in the region and Sofia Municipality inaugurated a high profile cultural event for the joint celebration of their 130th anniversary.
The initiative was officially inaugurated by the Mayor of Sofia Mr. Minko Gerdjikov, the Chairman of Alpha Bank Yannis S. Costopoulos and the Country Manager of Alpha Bank Bulgaria Branch Philip Petrou.
The celebration marks the 130th anniversary from the proclamation of Sofia as a capital of Bulgaria. On this occasion the Bank organised a month-long open air exhibition entitled "Experience Sofia - 130 years capital" with the cooperation of the Sofia Municipality, the Old Sofia Municipal Enterprise and the Sofia Museum of History.

Nearly 200 people, including authorities and customers of the Bank accepted the invitation of Alpha Bank and attended the presentation. The guests enjoyed a spectacular exhibit of period photographs of Sofia, specially selected from "Experience Sofia - 130 years capital" exhibition.
After the end of the exhibition, in mid-October, all the photographs will be transferred to the Sofia Town Hall.

An open air exhibition has been staged on Saint Nedelia Square featuring more than 70 photographs of buildings, monuments and sites, which constitute landmarks of the city; the temple monument Saint Alexander Nevski, the monument of Vasil Levski, the garden behind the National Theatre Ivan Vazov and many others. By October 8th 2009 the citizens and the guests of Sofia visiting the exhibition will have the opportunity to travel 100 years back in time and indulge in the spirit of old Sofia. In the central area of the capital 20 wall-panels are exhibited along with a photo archive, representing the architecture of the city at the end of the 19th and the beginning of the 20th century.

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8/9/2009 Unique exhibition to celebrate the jubilee of Sofia as a capital and Alpha Bank’s 130th anniversary

A unique exhibition “Experience Sofia – 130 years capital“ opened on September 7,
2009, to celebrate Sofia’s 130th anniversary as Bulgaria’s capital and Alpha Bank’s
130 years of successful operation.

 A unique exhibition “Experience Sofia – 130 years capital“ opened on September 7, 2009, to celebrate Sofia’s 130th anniversary as Bulgaria’s capital and Alpha Bank’s 130 years of successful operation.
Enlarged photos from different periods of time, mainly from the beginning of the 20th century, are exhibited across the city centre until October 8, 2009.
The exhibition will be officially inaugurated on September 14, 2009 by the Chairman of Alpha Bank, Yannis S. Costopoulos.
More than 70 archive photos of Sofia reveal to all Sofia citizens how their city looked like at the end of 19th and the beginning of 20th century. An exhibition at “St. Nedelya” square features more than 60 flash-backs, representing the spirit and architecture of the city, where everyone could learn interesting facts about Sofia. There will be also an open-air projection of archive photos of the capital from that period.

20 wall-panels with archive photographs taken since 1879 onwards, are placed in the central area of the capital. They represent buildings, monuments and places, which remain symbols for Sofia citizens until now.
Visitors can imprint a memory of old Sofia at the special Alpha Bank’s retro photo corner.
"Alpha Bank is celebrating its 130 years anniversary by promoting the cultural and historical heritage of Sofia. We are proud to offer to each one of us, living in Sofia, a better understanding of the beautiful locations surrounding us.”, said the Country Manager of Alpha Bank Bulgaria Branch, Philip Petrou.

You can visit the exhibition spots at:
- Tsar Osvoboditel Blvd., in front of the King's Palace.
- In front of the National Theater Ivan Vazov.
- The entrance of Borisova Garden.
- Orlov Bridge.
- Central Hali.
- Vasil Levski Monument.
- Atanas Burov Sq., between the Presidency and the Archaeological Museum.
- The bus stop in front of the Sofia University.
- The garden between the National Assembly and the Sofia University.
- Sidewalk in front of the Courthouse.
- Garibaldi Sq.
- Slaveikov Sq.
- The garden in front of the St. Sedmochislenitsi Church.
- Patriarh Evtimii Monument.
- St. Sofia Church.
- The crossroad of Vitosha Blvd. and Patriarh Evtimii Blvd.
- National Palace of Culture, pylons.
- The crossroad of Vasil Levski Blvd. and Fr. Nansen Blvd.
- Sveta Nedelya Sq.
- The sidewalk in front of DAMS.
- The garden between DAMS and Orlov Bridge.
- In front of the Botanical Garden.

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