Alior Bank Balance Sheet Health
Financial Health criteria checks 4/6
Alior Bank has total assets of PLN91.2B and total equity of PLN10.8B. Total deposits are PLN74.7B, and total loans are PLN62.9B earning a Net Interest Margin of 5.9%. It has insufficient allowance for bad loans, which are currently at 6.7% of total loans. Cash and short-term investments are PLN2.3B.
Key information
8.5x
Asset to equity ratio
5.9%
Net interest margin
| Total deposits | zł74.65b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 6.7% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | zł2.29b |
Recent financial health updates
No updates
Recent updates
If EPS Growth Is Important To You, Alior Bank (WSE:ALR) Presents An Opportunity
Apr 05
Is Now The Time To Put Alior Bank (WSE:ALR) On Your Watchlist?
May 23Should You Be Adding Alior Bank (WSE:ALR) To Your Watchlist Today?
Oct 31What Type Of Returns Would Alior Bank's(WSE:ALR) Shareholders Have Earned If They Purchased Their SharesThree Years Ago?
Jan 27Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ALR's Assets to Equity ratio (8.5x) is low.
Allowance for Bad Loans: ALR has a low allowance for bad loans (74%).
Low Risk Liabilities: 93% of ALR's liabilities are made up of primarily low risk sources of funding.
Loan Level: ALR has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: ALR's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: ALR has a high level of bad loans (6.7%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 07:20 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Alior Bank S.A. is covered by 19 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Dariusz Gorski | Banco Santander |
| Ivan Bokhmat | Barclays |
| Kamil Kliszcz | Biuro maklerskie mBanku |