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Alior Bank
Alior Bank (ALR) investor relations material
Alior Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Feb, 2026
Executive summary
Achieved strong annual revenue of PLN 6.01 billion in 2025, with Q4 revenue at nearly PLN 1.5 billion.
Net profit for 2025 was PLN 2.37 billion, down 3% year-on-year, with Q4 net profit at PLN 688 million (+12% y/y).
ROE for 2025 was 19.6%, with Q4 at 21.7%, exceeding forecasts.
Customer base grew by 107,000, with mobile app users up 17% year-on-year to 1.67 million.
Total assets increased to PLN 101.8 billion as of December 2025, up 9% year-on-year.
Financial highlights
Net interest income for 2025 was PLN 5.13 billion, down 1% year-on-year; net commission income rose 4% to PLN 906 million.
Cost/income ratio improved to 37.9% in Q4 and was 38.2% for the year.
NIM for 2025 was 5.60%, with Q4 at 5.38%.
Cost of risk for 2025 was 0.49%, with NPL ratio at 5.64% at year-end.
Total assets reached PLN 101.8 billion (+9% y/y).
Outlook and guidance
Expect continued growth in consumer and mortgage loans in 2026, with business sector growth focused on safe segments.
Aim to maintain revenue streams in 2026 at 2025 levels, offsetting lower rates with new business.
Cost growth targeted below 5% for 2026; risk costs expected to remain below 0.8%.
Regulatory changes will increase the corporate income tax rate for banks to 30% in 2026.
No significant deterioration in credit portfolio quality expected, supported by stable macroeconomic scenarios.
NPL ratio path to 75% dividend payout
Mortgage portfolio mix shift impact
Churn management strategy for current year
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Next Alior Bank earnings date
Q1 202628 Apr, 2026
Alior Bank
Next Alior Bank earnings date
Q1 202628 Apr, 2026
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