Market Closed -
Warsaw S.E.
11:55:39 2024-05-10 EDT
5-day change
1st Jan Change
94.1
PLN
-4.83%
-9.43%
+23.26%
Alior Bank S A : H1 2023 Results Presentation
August 01, 2023 at 06:42 pm
Presentation of results for 1H'23
Agenda
1. Operating activities
Credit risk
Financial results
4. Other issues
2
Record-breaking financial results in 2Q'23 are an optimistic indicator for the future
In the first half of 2023 revenues amounted to PLN bn 2.715
net interest income PLN bn 2.264 (+23% y/y)
net fees and commissions PLN mn 425 (+3% y/y)
In 2Q'23 revenues amounted to PLN bn 1.385
net interest income PLN bn 1.161 (+19% y/y)
net fees and commissions PLN mn 216 (-2% y/y)
Net profit for the first half of 2023 amounted to PLN mn 872 and increased by PLN mn 486 compared to the first half of 2022.
Net profit in 2Q'23 amounted to PLN mn 506 mln PLN and increased by PLN mn 290 in comparison to 2Q'22.
4
* Detailed on slide 36
Total revenues (PLN mn)
+433 mn (+19%)
+185 mn (+15%)
2 726
1 322
1 341
1 385
11
1 292
1 200
11
525
2 293
2 715
1 330
+422 mn
767
IH 22
IH 23
2Q 22
3Q 22
4Q 22
1Q 23
2Q 23
One-offs*
Total income (PLN M)
Net profit (PLN mn)
+310 mn
+132 mn
(+35%)
(+54%)
881
506
431
9
375
369
375
571
8
9
158
185
494
872
+486 mn
+290 mn
360
366
y/y
385
216
IH 22
IH 23
-63
2Q 22
3Q 22
4Q 22
1Q 23
2Q 23
One-offs*
Net Income
Another successful quarter for Alior Bank - improvement of efficiency, profitability, and quality of portfolio
Gross Loans (PLN bn)
-0.8%
63,2
62,7
Gross Performing Loans* (PLN bn)
+0.5%
56,7
56,4
C/I 2Q'23ROE 2Q'23 COR 2Q'23
35.3%
27.8%
0.95%
-13.9 p.p. y/y
+11.9 p.p. y/y
-0.51 p.p. y/y
NPL 2Q'23
NIM 2Q'23
TCR 2Q'23
9.45%
6.05%
15.11%
-1.25 p.p. y/y
+0.93 p.p. y/y
+1.12 p.p. y/y
5
* Volume of gross loans classified to stages 1 and 2
Disclaimer
Alior Bank SA published this content on 01 August 2023 and is solely responsible for the information contained therein. Distributed by Public , unedited and unaltered, on 01 August 2023 22:41:05 UTC .
Alior Bank S.A. Declares First Dividend for 2023, Payable on May 24, 2024
04-26
CI
Transcript : Alior Bank S.A. - Shareholder/Analyst Call
04-26
Alior Bank Q1 profit surges 58% as it aims to keep CoR at bay
04-25
RE
Transcript : Alior Bank S.A., Q1 2024 Earnings Call, Apr 25, 2024
04-25
Alior Bank S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024
04-24
CI
Alior Bank S.A. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023
02-28
CI
Alior Bank S.A. Reports Earnings Results for the Full Year Ended December 31, 2023
02-28
CI
Transcript : Alior Bank S.A., 2023 Earnings Call, Feb 28, 2024
02-28
Poland's Alior Bank plans first-ever dividend after record-high annual profit
02-28
RE
Fitch Affirms Alior Bank's Rating, Raises Outlook to Positive
11-15
MT
Polish lender mBank's Q3 loss misses forecast
23-10-31
RE
Transcript : Alior Bank S.A., Q3 2023 Earnings Call, Oct 26, 2023
23-10-26
Alior Bank S.A. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023
23-10-25
CI
Forint loses almost 1%, risk-off mood puts pressure on regional currencies
23-09-05
RE
Transcript : Alior Bank S.A. - Shareholder/Analyst Call
23-08-03
Transcript : Alior Bank S.A., H1 2023 Earnings Call, Aug 02, 2023
23-08-02
Alior Bank S.A. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2023
23-08-01
CI
Cordiant Digital's Portfolio Company Lands PLN1.57 Billion Refinancing
23-07-17
MT
Transcript : Alior Bank S.A., Q1 2023 Earnings Call, Apr 26, 2023
23-04-26
Alior Bank S.A. Reports Earnings Results for the First Quarter Ended March 31, 2023
23-04-25
CI
Alior Bank Taps Pawel Broniewski as Deputy CEO
23-04-03
CI
Alior Bank S.A.(WSE:ALR) added to WIG 20 Index
23-03-22
CI
Transcript : Alior Bank S.A., 2022 Earnings Call, Mar 03, 2023
23-03-03
Alior Bank S.A. Reports Earnings Results for the Full Year Ended December 31, 2022
23-03-02
CI
Transcript : Alior Bank S.A. - Special Call
23-02-06
Duration Auto. 2 months 3 months 6 months 9 months 1 year 2 years 5 years 10 years Max.
Period Day Week
More charts
Alior Bank SA is a Poland-based commercial bank. The Bank divides its business into three segments: Individual Clients; Business Clients; and Treasury Activity. The operations of the Bank comprise 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. It operates through Bank BPH.
More about the company
Last Close Price
94.1
PLN
Average target price
90.04
PLN
Spread / Average Target
-4.32%
Consensus
1st Jan change
Capi.
+23.26% 3.08B +24.25% 208B -0.27% 71.94B +12.23% 57.69B +20.21% 50.35B +5.31% 49.08B +32.07% 46.89B +10.86% 36.93B -15.79% 35.32B -96.60% 32.24B
Commercial Banks
+951% of historical performance
More than 20 years at your side
Our Experts are here for you
OUR EXPERTS ARE HERE FOR YOU
Monday - Friday 9am-12pm / 2pm-6pm GMT + 1