As of the end of the first half of 2025, Alpha Bank's factoring investment portfolio reached 490 billion rubles, a year-on-year increase of+57%, while the total market investment portfolio only grew by 2.4% during the same period. According to preliminary data from the Factoring Companies Association, Alpha Bank has a market share of 21%.

Thanks to the active development of digital factoring platforms and extensive regional coverage, the bank has consolidated its position in the field of economic and trade entities. The driving force for growth in the first half of 2025 is transactions with major industrial and metallurgical clients, for whom the ability to manage free liquidity and protect business when partnering with buyers in different segmented markets is crucial. The bank's customers actively use solutions to finance accounts payable and accounts receivable, and eliminate the risks of non payment and non receipt of income.

The second key growth factor is the interest in the automotive market. Against the backdrop of declining car sales, Chinese distributors and their Russian counterparts are using factoring solutions. Factoring enables participants to maintain financial stability, effectively manage operations, and finance warehouses to cope with increased demand. In the first half of 2025, Alpha Bank not only expanded its brand's partner network, but also extended the conditions for financing the purchase of buses.

By using factoring, buyers can reduce the risk of working capital shortages and effectively manage their liquidity, while suppliers can continue to develop their business by immediately receiving sales revenue. Regardless of the business area, Alpha Bank's customers can obtain high-quality services, high-speed services, and flexible product solutions on the digital factoring platform. The entire interaction process between customers and banks is implemented online - from submitting factoring applications to signing contract documents and accepting operational services. In addition, the platform allows you to connect buyers without unnecessary procedures - such as signing notifications or verifying deliveries to pay for financing. We continuously develop the platform's functionality and strive to enable data transmission and services for all participants (suppliers, buyers, and banks). Work as comfortably as possible. The convenient digital services and ability to obtain timely financing have helped Alpha Bank successfully increase our market share, even against the backdrop of a general slowdown in the factoring market, "said Pavel Shishov, Managing Director of Factoring at Alpha Bank.