Alior Bank S.A.
Alior Bank S.A. provides various banking products and services for individuals, businesses, and enterprises in Poland. The company operates through three segments: Retail, Corporate, and Treasury Activities. It offers term and savings deposits and current and subsidiary accounts, cash deposits and withdrawals, transfers, and personal and savings accounts; personal banking; cash loans, working cap… Read more
Alior Bank S.A. (ALR) - Net Assets
Latest net assets as of June 2025: zł11.49 Billion PLN
Based on the latest financial reports, Alior Bank S.A. (ALR) has net assets worth zł11.49 Billion PLN as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł99.47 Billion) and total liabilities (zł87.98 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł11.49 Billion |
| % of Total Assets | 11.55% |
| Annual Growth Rate | 16.9% |
| 5-Year Change | 70.84% |
| 10-Year Change | 218.91% |
| Growth Volatility | 26.98 |
Alior Bank S.A. - Net Assets Trend (2009–2024)
This chart illustrates how Alior Bank S.A.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Alior Bank S.A. (2009–2024)
The table below shows the annual net assets of Alior Bank S.A. from 2009 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | zł11.21 Billion | +21.16% |
| 2023-12-31 | zł9.25 Billion | +49.92% |
| 2022-12-31 | zł6.17 Billion | +4.23% |
| 2021-12-31 | zł5.92 Billion | -9.76% |
| 2020-12-31 | zł6.56 Billion | -2.64% |
| 2019-12-31 | zł6.74 Billion | +3.88% |
| 2018-12-31 | zł6.49 Billion | -3.06% |
| 2017-12-31 | zł6.69 Billion | +8.62% |
| 2016-12-31 | zł6.16 Billion | +75.29% |
| 2015-12-31 | zł3.51 Billion | +16.55% |
| 2014-12-31 | zł3.02 Billion | +38.01% |
| 2013-12-31 | zł2.18 Billion | +35.76% |
| 2012-12-31 | zł1.61 Billion | +69.40% |
| 2011-12-31 | zł950.03 Million | -2.62% |
| 2010-12-31 | zł975.54 Million | -9.42% |
| 2009-12-31 | zł1.08 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Alior Bank S.A.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 279935100000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł2.50 Billion | 22.29% |
| Common Stock | zł1.31 Billion | 11.65% |
| Other Comprehensive Income | zł-35.12 Million | -0.31% |
| Other Components | zł7.44 Billion | 66.37% |
| Total Equity | zł11.21 Billion | 100.00% |
Alior Bank S.A. Competitors by Market Cap
The table below lists competitors of Alior Bank S.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hercules Capital Inc
NYSE:HTGC
|
$2.42 Billion |
|
Chunghwa Precision Test Tech Co Ltd
TWO:6510
|
$2.42 Billion |
|
Independent Bank Group Inc
NASDAQ:IBTX
|
$2.42 Billion |
|
Loar Holdings Inc.
NYSE:LOAR
|
$2.42 Billion |
|
Telix Pharmaceuticals Limited
PINK:TLPPF
|
$2.42 Billion |
|
Tianjin Zhongxin Pharmaceutical Group Corp Ltd
SHG:600329
|
$2.42 Billion |
|
TBC Bank Group PLC
PINK:TBCCF
|
$2.42 Billion |
|
Crane NXT Co
NYSE:CXT
|
$2.42 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Alior Bank S.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 9,249,590,000 to 11,206,719,000, a change of 1,957,129,000 (21.2%).
- Net income of 2,445,022,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 254,071,001.
- Other factors decreased equity by 741,964,001.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł2.45 Billion | +21.82% |
| Other Comprehensive Income | zł254.07 Million | +2.27% |
| Other Changes | zł-741.96 Million | -6.62% |
| Total Change | zł- | 21.16% |
Book Value vs Market Value Analysis
This analysis compares Alior Bank S.A.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.32x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.44x to 1.32x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | zł17.57 | zł113.15 | x |
| 2010-12-31 | zł15.92 | zł113.15 | x |
| 2011-12-31 | zł15.50 | zł113.15 | x |
| 2012-12-31 | zł29.51 | zł113.15 | x |
| 2013-12-31 | zł26.63 | zł113.15 | x |
| 2014-12-31 | zł33.61 | zł113.15 | x |
| 2015-12-31 | zł38.38 | zł113.15 | x |
| 2016-12-31 | zł58.78 | zł113.15 | x |
| 2017-12-31 | zł50.75 | zł113.15 | x |
| 2018-12-31 | zł49.44 | zł113.15 | x |
| 2019-12-31 | zł51.39 | zł113.15 | x |
| 2020-12-31 | zł50.24 | zł113.15 | x |
| 2021-12-31 | zł45.34 | zł113.15 | x |
| 2022-12-31 | zł47.26 | zł113.15 | x |
| 2023-12-31 | zł70.85 | zł113.15 | x |
| 2024-12-31 | zł85.84 | zł113.15 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Alior Bank S.A. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 21.82%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 39.33%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 8.32x
- Recent ROE (21.82%) is above the historical average (6.41%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | -25.19% | -77.16% | 0.06x | 5.81x | zł-379.04 Million |
| 2010 | -10.66% | -12.15% | 0.09x | 9.55x | zł-201.54 Million |
| 2011 | 16.02% | 15.18% | 0.07x | 16.18x | zł57.18 Million |
| 2012 | 3.10% | 4.75% | 0.06x | 10.75x | zł-135.97 Million |
| 2013 | 10.43% | 14.70% | 0.06x | 11.69x | zł9.43 Million |
| 2014 | 10.71% | 17.22% | 0.06x | 10.01x | zł21.43 Million |
| 2015 | 8.81% | 14.28% | 0.05x | 11.39x | zł-41.64 Million |
| 2016 | 9.34% | 21.27% | 0.04x | 9.93x | zł-40.66 Million |
| 2017 | 7.04% | 12.53% | 0.05x | 10.39x | zł-197.77 Million |
| 2018 | 11.00% | 17.40% | 0.06x | 11.32x | zł64.78 Million |
| 2019 | 3.69% | 6.02% | 0.05x | 11.39x | zł-425.46 Million |
| 2020 | -4.74% | -8.25% | 0.05x | 11.99x | zł-967.19 Million |
| 2021 | 8.14% | 12.72% | 0.05x | 14.03x | zł-110.00 Million |
| 2022 | 11.07% | 15.14% | 0.05x | 13.43x | zł66.12 Million |
| 2023 | 21.95% | 34.77% | 0.06x | 9.74x | zł1.11 Billion |
| 2024 | 21.82% | 39.33% | 0.07x | 8.32x | zł1.32 Billion |
Industry Comparison
This section compares Alior Bank S.A.'s net assets metrics with peer companies in the Banks - Diversified industry.
No peer company data available for comparison.