By Helgi Library - November 2, 2023
Alior Bank made a net profit of PLN 572 mil in the third quarter of 2023, up 1% when compared to the same period of last year. ...
By Helgi Library - November 2, 2023
Alior Bank made a net profit of PLN 572 mil in the third quarter of 2023, up 1% when compared to the same period of last year. ...
By Helgi Library - November 2, 2023
Alior Bank made a net profit of PLN 572 mil under revenues of PLN 1,450 mil in the third quarter of 2023, up 1% and 89.1% ...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | PLN mil | 2,849 | 2,798 | 3,560 |
| Net Fee Income | PLN mil | 636 | 767 | 796 |
| Other Income | PLN mil | 888 | 66.8 | 23.7 |
| Total Revenues | PLN mil | 4,374 | 3,632 | 4,380 |
| Staff Cost | PLN mil | 822 | 852 | 939 |
| Operating Profit | PLN mil | 2,545 | 2,049 | 2,382 |
| Provisions | PLN mil | 1,677 | 1,039 | 1,085 |
| Net Profit | PLN mil | -69.1 | 482 | 683 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | PLN mil | 508 | 1,690 | 2,374 |
| Customer Loans | PLN mil | 56,215 | 58,228 | 57,610 |
| Investments | PLN mil | 15,745 | 16,138 | 17,015 |
| Total Assets | PLN mil | 78,642 | 83,048 | 82,877 |
| Shareholders' Equity | PLN mil | 6,560 | 5,919 | 6,170 |
| Interbank Borrowing | PLN mil | 1,414 | 530 | 270 |
| Customer Deposits | PLN mil | 66,876 | 70,946 | 70,777 |
| Issued Debt Securities | PLN mil | 2,079 | 1,864 | 1,420 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | -1.04 | 7.72 | 11.3 |
| ROA | % | -0.089 | 0.596 | 0.823 |
| Costs (As % Of Assets) | % | 2.35 | 1.96 | 2.41 |
| Costs (As % Of Income) | % | 41.8 | 43.6 | 45.6 |
| Capital Adequacy Ratio | % | 15.9 | 14.2 | 14.2 |
| Net Interest Margin | % | 3.67 | 3.46 | 4.29 |
| Loans (As % Of Deposits) | % | 84.1 | 82.1 | 81.4 |
| NPLs (As % Of Loans) | % | 14.1 | 12.4 | 10.2 |
| Provisions (As % Of NPLs) | % | 71.1 | 73.8 | 75.7 |
| Valuation | 2020 | 2021 | 2022 | |
| Market Capitalisation | USD mil | 593 | 1,759 | 903 |
| Number Of Shares | mil | 131 | 131 | 131 |
| Share Price | PLN | 17.0 | 54.7 | 34.3 |
| Price/Earnings (P/E) | -32.3 | 14.8 | 6.55 | |
| Price/Book Value (P/BV) | 0.338 | 1.21 | 0.725 | |
| Dividend Yield | % | 0 | 0 | 0 |
| Earnings Per Share (EPS) | PLN | -0.525 | 3.69 | 5.23 |
| Book Value Per Share | PLN | 50.2 | 45.3 | 47.3 |
| Dividend Per Share | PLN | 0 | 0 | 0 |
Get all company financials in excel:
| summary | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||||||
| Net Interest Income | PLN mil | 1,946 | 2,856 | 3,085 | 3,185 | 2,849 | |||||||||
| Total Revenues | PLN mil | 2,980 | 4,111 | 4,478 | 4,641 | 4,374 | |||||||||
| Operating Profit | PLN mil | 1,361 | 2,197 | 2,766 | 2,972 | 2,545 | |||||||||
| Net Profit | PLN mil | 207 | 486 | 711 | 450 | -69.1 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | PLN mil | 1,366 | 902 | 173 | 213 | 508 | |||||||||
| Customer Loans | PLN mil | 46,247 | 51,267 | 54,246 | 55,845 | 56,215 | |||||||||
| Investments | PLN mil | 9,796 | 13,643 | 13,728 | 15,799 | 15,745 | |||||||||
| Total Assets | PLN mil | 61,160 | 69,516 | 73,420 | 76,714 | 78,642 | |||||||||
| Shareholders' Equity | PLN mil | 6,160 | 6,691 | 6,486 | 6,737 | 6,560 | |||||||||
| Interbank Borrowing | PLN mil | 727 | 1,328 | 1,010 | 1,259 | 1,414 | |||||||||
| Customer Deposits | PLN mil | 51,369 | 57,657 | 62,436 | 64,999 | 66,876 | |||||||||
| Issued Debt Securities | PLN mil | 1,165 | 1,915 | 1,918 | 2,134 | 2,079 | |||||||||
| ratios | |||||||||||||||
| ROE | % | ... | 4.27 | 7.56 | 10.8 | 6.81 | -1.04 | ||||||||
| ROA | % | ... | 0.409 | 0.743 | 0.995 | 0.600 | -0.089 | ||||||||
| Costs (As % Of Assets) | % | ... | 3.20 | 2.93 | 2.40 | 2.22 | 2.35 | ||||||||
| Costs (As % Of Income) | % | 54.3 | 46.6 | 38.2 | 36.0 | 41.8 | |||||||||
| Capital Adequacy Ratio | % | 13.7 | 15.2 | 15.9 | 16.2 | 15.9 | |||||||||
| Net Interest Margin | % | ... | 3.85 | 4.37 | 4.32 | 4.24 | 3.67 | ||||||||
| Interest Income (As % Of Revenues) | % | 65.3 | 69.5 | 68.9 | 68.6 | 65.1 | |||||||||
| Fee Income (As % Of Revenues) | % | 11.1 | 10.5 | 15.9 | 14.2 | 14.5 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 56.6 | 52.4 | 52.4 | 46.8 | 45.0 | |||||||||
| Equity (As % Of Assets) | % | 10.1 | 9.63 | 8.83 | 8.78 | 8.34 | |||||||||
| Loans (As % Of Deposits) | % | 90.0 | 88.9 | 86.9 | 85.9 | 84.1 | |||||||||
| Loans (As % Assets) | % | 75.6 | 73.7 | 73.9 | 72.8 | 71.5 | |||||||||
| NPLs (As % Of Loans) | % | 9.77 | 10.8 | 11.7 | 14.0 | 14.1 | |||||||||
| Provisions (As % Of NPLs) | % | 63.5 | 57.5 | 67.5 | 63.6 | 71.1 | |||||||||
| valuation | |||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | 1,677 | 2,959 | 1,853 | 988 | 593 | ||||||
| Number Of Shares | mil | 105 | 132 | 131 | 131 | 131 | |||||||||
| Share Price | PLN | ... | ... | ... | 54.2 | 79.5 | 53.2 | 28.7 | 17.0 | ||||||
| Earnings Per Share (EPS) | PLN | 1.97 | 3.69 | 5.42 | 3.43 | -0.525 | |||||||||
| Book Value Per Share | PLN | 58.8 | 50.8 | 49.4 | 51.4 | 50.2 | |||||||||
| Dividend Per Share | PLN | 0 | 0 | 0 | 0 | 0 | |||||||||
| Price/Earnings (P/E) | ... | ... | ... | 27.5 | 21.5 | 9.80 | 8.36 | -32.3 | |||||||
| Price/Book Value (P/BV) | ... | ... | ... | 0.922 | 1.57 | 1.08 | 0.558 | 0.338 | |||||||
| Dividend Yield | % | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||
| Earnings Per Share Growth | % | ... | -50.7 | 86.9 | 46.9 | -36.7 | -115 | ||||||||
| Book Value Per Share Growth | % | ... | 53.1 | -13.6 | -2.61 | 3.95 | -2.23 |
| income statement | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||||||
| Interest Income | PLN mil | 2,644 | 3,601 | 3,957 | 4,063 | 3,334 | |||||||||
| Interest Cost | PLN mil | 698 | 745 | 872 | 878 | 484 | |||||||||
| Net Interest Income | PLN mil | 1,946 | 2,856 | 3,085 | 3,185 | 2,849 | |||||||||
| Net Fee Income | PLN mil | 331 | 431 | 710 | 658 | 636 | |||||||||
| Fee Income | PLN mil | 591 | 806 | 1,099 | 1,157 | 1,216 | |||||||||
| Fee Expense | PLN mil | 260 | 375 | 389 | 499 | 580 | |||||||||
| Other Income | PLN mil | 702 | 824 | 683 | 799 | 888 | |||||||||
| Total Revenues | PLN mil | 2,980 | 4,111 | 4,478 | 4,641 | 4,374 | |||||||||
| Staff Cost | PLN mil | 916 | 1,004 | 896 | 781 | 822 | |||||||||
| Depreciation | PLN mil | 64.9 | 106 | 97.6 | 180 | 175 | |||||||||
| Other Cost | PLN mil | 638 | 804 | 718 | 709 | 832 | |||||||||
| Operating Cost | PLN mil | 1,619 | 1,914 | 1,712 | 1,670 | 1,828 | |||||||||
| Operating Profit | PLN mil | 1,361 | 2,197 | 2,766 | 2,972 | 2,545 | |||||||||
| Provisions | PLN mil | 777 | 915 | 1,183 | 1,508 | 1,677 | |||||||||
| Extra and Other Cost | PLN mil | 390 | 575 | 598 | 725 | 801 | |||||||||
| Pre-Tax Profit | PLN mil | 193 | 707 | 985 | 739 | 68.0 | |||||||||
| Tax | PLN mil | -13.1 | 221 | 274 | 289 | 137 | |||||||||
| Minorities | PLN mil | -0.201 | 0.376 | 0 | 0 | 0 | |||||||||
| Net Profit | PLN mil | 207 | 486 | 711 | 450 | -69.1 | |||||||||
| Net Profit Avail. to Common | PLN mil | 207 | 486 | 711 | 450 | -69.1 | |||||||||
| Dividends | PLN mil | 0 | 0 | 0 | 0 | 0 | |||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 29.6 | 46.8 | 8.00 | 3.24 | -10.5 | ||||||||
| Net Fee Income Growth | % | ... | -0.161 | 30.1 | 64.8 | -7.32 | -3.38 | ||||||||
| Total Revenue Growth | % | ... | 23.5 | 38.0 | 8.91 | 3.66 | -5.77 | ||||||||
| Operating Cost Growth | % | ... | 49.6 | 18.3 | -10.6 | -2.46 | 9.51 | ||||||||
| Operating Profit Growth | % | ... | 2.32 | 61.4 | 25.9 | 7.45 | -14.4 | ||||||||
| Pre-Tax Profit Growth | % | ... | -57.7 | 265 | 39.4 | -25.0 | -90.8 | ||||||||
| Net Profit Growth | % | ... | -43.7 | 135 | 46.4 | -36.7 | -115 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | 5.04 | 6.64 | 6.95 | 6.59 | 7.08 | ... | ||||||||
| Market Share in Net Profit | % | 1.49 | 3.55 | 5.45 | 3.27 | 20.4 | |||||||||
| Market Share in Employees | % | 6.07 | 4.93 | 5.06 | 5.19 | 5.29 | |||||||||
| Market Share in Branches | % | 7.40 | 6.53 | 6.81 | 6.68 | 6.46 | ... | ... |
| balance sheet | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | |||||||||||||||
| Cash & Cash Equivalents | PLN mil | 1,083 | 965 | 2,079 | 1,379 | 2,460 | |||||||||
| Interbank Loans | PLN mil | 1,366 | 902 | 173 | 213 | 508 | |||||||||
| Customer Loans | PLN mil | 46,247 | 51,267 | 54,246 | 55,845 | 56,215 | |||||||||
| Retail Loans | PLN mil | 27,682 | 30,147 | 32,048 | 34,492 | 36,751 | |||||||||
| Mortgage Loans | PLN mil | 8,486 | 9,632 | 10,491 | 11,375 | 13,391 | |||||||||
| Consumer Loans | PLN mil | 19,197 | 20,515 | 21,557 | 23,117 | 23,360 | |||||||||
| Corporate Loans | PLN mil | 21,627 | 24,524 | 26,869 | 26,801 | 25,711 | |||||||||
| Investments | PLN mil | 9,796 | 13,643 | 13,728 | 15,799 | 15,745 | |||||||||
| Property and Equipment | PLN mil | 486 | 476 | 461 | 764 | 702 | |||||||||
| Intangible Assets | PLN mil | 516 | 549 | 572 | 580 | 425 | |||||||||
| Goodwill | PLN mil | 105 | 105 | 105 | 105 | 0.976 | ... | ... | |||||||
| Total Assets | PLN mil | 61,160 | 69,516 | 73,420 | 76,714 | 78,642 | |||||||||
| Shareholders' Equity | PLN mil | 6,160 | 6,691 | 6,486 | 6,737 | 6,560 | |||||||||
| Of Which Minority Interest | PLN mil | 0.979 | 1.32 | 0 | 0 | 0 | |||||||||
| Liabilities | PLN mil | 55,001 | 62,825 | 66,934 | 69,977 | 72,082 | |||||||||
| Interbank Borrowing | PLN mil | 727 | 1,328 | 1,010 | 1,259 | 1,414 | |||||||||
| Customer Deposits | PLN mil | 51,369 | 57,657 | 62,436 | 64,999 | 66,876 | |||||||||
| Retail Deposits | PLN mil | 31,174 | 34,719 | 41,324 | 44,034 | 44,396 | |||||||||
| Corporate Deposits | PLN mil | 16,906 | 19,236 | 17,620 | 18,009 | 20,760 | |||||||||
| Sight Deposits | PLN mil | 8,526 | 32,080 | 38,677 | 41,854 | 53,598 | |||||||||
| Term Deposits | PLN mil | 8,379 | 21,875 | 20,267 | 20,189 | 11,558 | |||||||||
| Issued Debt Securities | PLN mil | 1,165 | 1,915 | 1,918 | 2,134 | 2,079 | |||||||||
| Subordinated Debt | PLN mil | 1,165 | 1,915 | 1,918 | 1,794 | 1,793 | |||||||||
| Other Liabilities | PLN mil | 1,740 | 1,925 | 1,571 | 1,584 | 1,713 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | PLN mil | 4,820 | 5,915 | 6,919 | 8,572 | 8,785 | |||||||||
| Gross Loans | PLN mil | 49,309 | 54,670 | 58,917 | 61,294 | 62,462 | |||||||||
| Risk-Weighted Assets | PLN mil | 46,512 | 50,301 | 51,469 | 49,380 | 48,316 | |||||||||
| Total Provisions | PLN mil | 3,062 | 3,404 | 4,671 | 5,449 | 6,247 | |||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 49.6 | 10.9 | 5.81 | 2.95 | 0.664 | ||||||||
| Retail Loan Growth | % | ... | 48.2 | 8.90 | 6.31 | 7.63 | 6.55 | ||||||||
| Mortgage Loan Growth | % | ... | 25.1 | 13.5 | 8.92 | 8.43 | 17.7 | ||||||||
| Consumer Loan Growth | % | ... | 61.3 | 6.87 | 5.08 | 7.24 | 1.05 | ||||||||
| Corporate Loan Growth | % | ... | 52.7 | 13.4 | 9.57 | -0.254 | -4.07 | ||||||||
| Total Asset Growth | % | ... | 52.9 | 13.7 | 5.62 | 4.49 | 2.51 | ||||||||
| Shareholders' Equity Growth | % | ... | 75.3 | 8.62 | -3.06 | 3.88 | -2.64 | ||||||||
| Customer Deposit Growth | % | ... | 65.6 | 12.2 | 8.29 | 4.11 | 2.89 | ||||||||
| Retail Deposit Growth | % | ... | 47.4 | 11.4 | 19.0 | 6.56 | 0.822 | ||||||||
| Corporate Deposit Growth | % | ... | 71.4 | 13.8 | -8.40 | 2.21 | 15.3 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 3.96 | 4.24 | 4.07 | 4.01 | 4.01 | |||||||||
| Market Share in Corporate Loans | % | 6.27 | 6.70 | 7.21 | 6.99 | 7.01 | |||||||||
| Market Share in Retail Loans | % | 4.22 | 4.52 | 4.56 | 4.66 | 4.84 | |||||||||
| Market Share in Consumer Loans | % | 7.37 | 7.39 | 6.72 | 6.84 | 6.98 | |||||||||
| Market Share in Mortgage Loans | % | 2.14 | 2.46 | 2.74 | 2.83 | 3.16 | |||||||||
| Market Share in Total Assets | % | 3.66 | 4.02 | 3.89 | 3.85 | 3.36 | |||||||||
| Market Share in Customer Deposits | % | 4.26 | 4.57 | 4.58 | 4.40 | 3.97 | |||||||||
| Market Share in Retail Deposits | % | 4.66 | 5.01 | 5.43 | 5.29 | 4.94 | |||||||||
| Market Share in Corporate Deposits | % | ... | 4.81 | 5.21 | 4.52 | 4.19 | 3.95 |
| ratios | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | 4.27 | 7.56 | 10.8 | 6.81 | -1.04 | ||||||||
| ROTE | % | ... | 4.72 | 8.24 | 11.8 | 7.46 | -1.12 | ||||||||
| ROE (@ 15% of RWA) | % | ... | 3.57 | 6.69 | 9.31 | 5.95 | -0.943 | ||||||||
| ROA | % | ... | 0.409 | 0.743 | 0.995 | 0.600 | -0.089 | ||||||||
| Return on Loans | % | 0.536 | 0.996 | 1.35 | 0.818 | -0.123 | |||||||||
| Operating Profit (As % of RWA) | % | ... | 3.52 | 4.54 | 5.44 | 5.89 | 5.21 | ||||||||
| Costs (As % Of Assets) | % | ... | 3.20 | 2.93 | 2.40 | 2.22 | 2.35 | ||||||||
| Costs (As % Of Income) | % | 54.3 | 46.6 | 38.2 | 36.0 | 41.8 | |||||||||
| Costs (As % Of Loans) | % | ... | 4.20 | 3.93 | 3.24 | 3.03 | 3.26 | ||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 2.03 | 1.85 | 1.52 | 1.41 | 1.50 | ||||||||
| Capital Adequacy Ratio | % | 13.7 | 15.2 | 15.9 | 16.2 | 15.9 | |||||||||
| Tier 1 Ratio | % | 11.3 | 12.1 | 12.8 | 13.5 | 13.6 | |||||||||
| Net Interest Margin | % | ... | 3.85 | 4.37 | 4.32 | 4.24 | 3.67 | ||||||||
| Interest Spread | % | ... | 3.70 | 4.25 | 4.19 | 4.13 | 3.61 | ||||||||
| Asset Yield | % | ... | 5.23 | 5.51 | 5.54 | 5.41 | 4.29 | ||||||||
| Revenues (As % of RWA) | % | ... | 7.72 | 8.49 | 8.80 | 9.20 | 8.95 | ||||||||
| Cost Of Liabilities | % | ... | 1.53 | 1.26 | 1.34 | 1.28 | 0.682 | ||||||||
| Payout Ratio | % | 0 | 0 | 0 | 0 | 0 | |||||||||
| Interest Income (As % Of Revenues) | % | 65.3 | 69.5 | 68.9 | 68.6 | 65.1 | |||||||||
| Fee Income (As % Of Revenues) | % | 11.1 | 10.5 | 15.9 | 14.2 | 14.5 | |||||||||
| Other Income (As % Of Revenues) | % | 23.6 | 20.0 | 15.2 | 17.2 | 20.3 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 56.6 | 52.4 | 52.4 | 46.8 | 45.0 | |||||||||
| Equity (As % Of Assets) | % | 10.1 | 9.63 | 8.83 | 8.78 | 8.34 | |||||||||
| Equity (As % Of Loans) | % | 13.3 | 13.1 | 12.0 | 12.1 | 11.7 | |||||||||
| Loans (As % Of Deposits) | % | 90.0 | 88.9 | 86.9 | 85.9 | 84.1 | |||||||||
| Loans (As % Assets) | % | 75.6 | 73.7 | 73.9 | 72.8 | 71.5 | |||||||||
| NPLs (As % Of Loans) | % | 9.77 | 10.8 | 11.7 | 14.0 | 14.1 | |||||||||
| Provisions (As % Of NPLs) | % | 63.5 | 57.5 | 67.5 | 63.6 | 71.1 | |||||||||
| Provisions (As % Of Loans) | % | 6.62 | 6.64 | 8.61 | 9.76 | 11.1 | |||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 2.01 | 1.88 | 2.24 | 2.74 | 2.99 |
| other data | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Branches | 1,010 | 905 | 861 | 820 | 674 | ||||||||||
| Employees | 10,245 | 8,110 | 8,228 | 8,143 | 7,878 | ||||||||||
| Employees Per Bank Branch | 10.1 | 8.96 | 9.56 | 9.93 | 11.7 | ||||||||||
| Cost Per Employee | USD per month | 1,844 | 2,693 | 2,507 | 2,116 | 2,231 | |||||||||
| Cost Per Employee (Local Currency) | PLN per month | 7,449 | 10,315 | 9,077 | 7,997 | 8,699 |
| customer breakdown | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | 4.12 | 3.98 | 4.10 | 4.38 | 4.42 | |||||||||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.955 | 0.977 | ... | ... |
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.062 | 0.069 | ... | ... |
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.430 | 0.411 | ... | ... |
| Average Size of Mortgage Loan | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 182,297 | 194,073 | ... | ... |
| Average Size of Consumer Loan | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 53,823 | 56,892 | ... | ... |
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21.8 | 22.1 | ... | ... |
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.43 | 1.56 | ... | ... |
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.81 | 9.29 | ... | ... |
| Market Value per Customer (Local Currency) | PLN | ... | ... | ... | 1,703 | 2,588 | 1,699 | 857 | 504 | ||||||
| Revenue per Customer (Local Currency) | PLN | 724 | 1,033 | 1,092 | 1,061 | 989 | |||||||||
| Net Profit per Customer (Local Currency) | PLN | 50.2 | 122 | 173 | 103 | -15.6 | |||||||||
| Loan per Customer (Local Currency) | PLN | 11,239 | 12,881 | 13,231 | 12,762 | 12,713 | |||||||||
| Deposit per Customer (Local Currency) | PLN | 12,483 | 14,487 | 15,228 | 14,854 | 15,123 | |||||||||
| Market Value per Customer | USD | ... | ... | ... | 408 | 743 | 452 | 226 | 134 | ||||||
| Revenue per Customer | USD | 179 | 270 | 302 | 281 | 254 | |||||||||
| Net Profit per Customer | USD | 12.4 | 31.9 | 47.9 | 27.2 | -4.01 | |||||||||
| Loan per Customer | USD | 2,689 | 3,700 | 3,519 | 3,360 | 3,382 | |||||||||
| Deposit per Customer | USD | 2,987 | 4,161 | 4,050 | 3,911 | 4,024 |
Get all company financials in excel:
By Helgi Library - November 2, 2023
Alior Bank made a net profit of PLN 572 mil under revenues of PLN 1,450 mil in the third quarter of 2023, up 1% and 89.1% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of PLN 572 mil in 3...
By Helgi Library - November 2, 2023
Alior Bank's net interest margin amounted to 5.74% in the third quarter of 2023, up from 5.53% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.74% in 3Q2023 and an all time low of 2.79% i...
By Helgi Library - November 2, 2023
Alior Bank's net interest margin amounted to 5.74% in the third quarter of 2023, up from 5.53% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.74% in 3Q2023 and an all time low of 2.79% i...
By Helgi Library - November 2, 2023
Alior Bank generated total banking revenues of PLN 1,385 mil in 2023-06-30, up 4.18% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 26,662 mil in 2023-06-30, down 4.41% when compared to the last yea...
By Helgi Library - November 2, 2023
Alior Bank generated total banking revenues of PLN 1,385 mil in 2023-06-30, up 4.18% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 26,662 mil in 2023-06-30, down 4.41% when compared to the last yea...
By Helgi Library - November 22, 2023
Alior Bank's mortgage loans reached PLN 16,807 mil in 3Q2023, up 4.66% compared to the previous year. Polish banking sector provided mortgage loans of PLN 443 in 3Q2023, down 0.552% when compared to the last year. Alior Bank accounted for 3.79% of all mor...
By Helgi Library - November 22, 2023
Alior Bank's mortgage loans reached PLN 16,807 mil in 3Q2023, up 4.66% compared to the previous year. Polish banking sector provided mortgage loans of PLN 443 in 3Q2023, down 0.552% when compared to the last year. Alior Bank accounted for 3.79% of all mor...
By Helgi Library - August 22, 2023
Alior Bank's customer deposits reached PLN 70,706 mil in 2023-06-30, down 1.60% compared to the previous year. Polish banking sector accepted customer deposits of PLN 2,045 bil in 2023-06-30, up 2.00% when compared to the last year. Alior Bank accounted f...
By Helgi Library - August 22, 2023
Alior Bank's customer deposits reached PLN 70,706 mil in 2023-06-30, down 1.60% compared to the previous year. Polish banking sector accepted customer deposits of PLN 2,045 bil in 2023-06-30, up 2.00% when compared to the last year. Alior Bank accounted f...
By Helgi Library - August 22, 2023
Alior Bank's customer loans reached PLN 58,390 mil in 2023-06-30, up 1.02% compared to the previous year. Polish banking sector provided customer loans of PLN 1,584 in 2023-06-30, down 0.064% when compared to the last year. Alior Bank accounted for 3.69% ...
Alior Bank SA is a Poland-based commercial bank. The Bank provides various financial products and services to its retail and corporate clients as well as treasury activities. The Bank's business includes accepting cash as demand deposits and keeping deposit accounts; maintaining other bank accounts; granting credits; giving and confirming bank guarantees and opening and confirming letters of credit; issuing banking securities; conducting banking settlements; granting cash loans; issuing payment cards; trading in securities; and pursuing brokerage services; among others. The Bank entered the WSE at the end of 2012 with EBRD buying nearly 9% in the company.
Alior Bank has been growing its revenues and asset by 11.6% and 14.6% a year on average in the last 10 years. Its loans and deposits have grown by 15.0% and 15.6% a year during that time and loans to deposits ratio reached 81.4% at the end of 2022. The company achieved an average return on equity of 8.44% in the last decade with net profit growing 25.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 45.6% in 2022, compared to 44.6% average in the last decade.
Equity represented 7.44% of total assets or 10.7% of loans at the end of 2022. Alior Bank's non-performing loans were 10.2% of total loans while provisions covered some 75.7% of NPLs at the end of 2022.
Alior Bank stock traded at per share at the end of 2022 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 6.00% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 6.55x and price to book value (PBV) of 0.725x in 2022.
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