Alior Bank S.A. (ALR) - Net Assets

Latest as of March 2026: zł13.13 Billion PLN ≈ $3.61 Billion USD

Based on the latest financial reports, Alior Bank S.A. (ALR) has net assets worth zł13.13 Billion PLN (≈ $3.61 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł104.72 Billion ≈ $28.82 Billion USD) and total liabilities (zł91.59 Billion ≈ $25.21 Billion USD). 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. Check how tangible is Alior Bank S.A.'s equity to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	zł13.13 Billion
% of Total Assets	12.54%
Annual Growth Rate	16.83%
5-Year Change	119.34%
10-Year Change	110.77%
Growth Volatility	26.14

Alior Bank S.A. - Net Assets Trend (2009–2025)

This chart illustrates how Alior Bank S.A.'s net assets have evolved over time, based on quarterly financial data. See ALR days of operational coverage to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for Alior Bank S.A. (2009–2025)

The table below shows the annual net assets of Alior Bank S.A. from 2009 to 2025. For live valuation and market cap data, see Alior Bank S.A. stock valuation.

Year	Net Assets	Change
2025-12-31	zł12.98 Billion ≈ $3.57 Billion	+15.85%
2024-12-31	zł11.21 Billion ≈ $3.08 Billion	+21.16%
2023-12-31	zł9.25 Billion ≈ $2.55 Billion	+49.92%
2022-12-31	zł6.17 Billion ≈ $1.70 Billion	+4.23%
2021-12-31	zł5.92 Billion ≈ $1.63 Billion	-9.76%
2020-12-31	zł6.56 Billion ≈ $1.81 Billion	-2.64%
2019-12-31	zł6.74 Billion ≈ $1.85 Billion	+3.88%
2018-12-31	zł6.49 Billion ≈ $1.79 Billion	-3.06%
2017-12-31	zł6.69 Billion ≈ $1.84 Billion	+8.62%
2016-12-31	zł6.16 Billion ≈ $1.70 Billion	+75.29%
2015-12-31	zł3.51 Billion ≈ $967.13 Million	+16.55%
2014-12-31	zł3.02 Billion ≈ $829.79 Million	+38.01%
2013-12-31	zł2.18 Billion ≈ $601.27 Million	+35.76%
2012-12-31	zł1.61 Billion ≈ $442.90 Million	+69.40%
2011-12-31	zł950.03 Million ≈ $261.46 Million	-2.62%
2010-12-31	zł975.54 Million ≈ $268.48 Million	-9.42%
2009-12-31	zł1.08 Billion ≈ $296.41 Million	--

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 275390700000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	zł2.45 Billion	18.89%
Other Components	zł10.53 Billion	81.11%
Total Equity	zł12.98 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
Yonyou Network Technology Co Ltd SHG:600588	$4.98 Billion
360 ONE WAM LIMITED NSE:360ONE	$4.98 Billion
Essent Group Ltd. F:EG0	$4.98 Billion
Willscot Mobile Mini Holdings Corp A NASDAQ:WSC	$4.98 Billion
Companhia Energetica de Minas Gerais CEMIG Pref ADR NYSE:CIG	$4.97 Billion
Pampa Energia SA BA:PAMP	$4.97 Billion
Shenzhen Zhongjin Lingnan Nonfemet Co Ltd SHE:000060	$4.97 Billion
Shandong Xinchao Energy Co Ltd SHG:600777	$4.97 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 2024 to 2025, total equity changed from 11,206,719,000 to 12,982,977,000, a change of 1,776,258,000 (15.8%).
Net income of 2,367,048,000 contributed positively to equity growth.
Dividend payments of 1,199,791,000 reduced retained earnings.
Other comprehensive income increased equity by 35,115,999.
Other factors increased equity by 573,885,001.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	zł2.37 Billion	+18.23%
Dividends Paid	zł1.20 Billion	-9.24%
Other Comprehensive Income	zł35.12 Million	+0.27%
Other Changes	zł573.89 Million	+4.42%
Total Change	zł-	15.85%

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: 1.39x
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 7.88x to 1.39x 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	zł138.40	x
2010-12-31	zł15.92	zł138.40	x
2011-12-31	zł15.50	zł138.40	x
2012-12-31	zł29.51	zł138.40	x
2013-12-31	zł26.63	zł138.40	x
2014-12-31	zł33.61	zł138.40	x
2015-12-31	zł38.38	zł138.40	x
2016-12-31	zł58.78	zł138.40	x
2017-12-31	zł50.75	zł138.40	x
2018-12-31	zł49.44	zł138.40	x
2019-12-31	zł51.39	zł138.40	x
2020-12-31	zł50.24	zł138.40	x
2021-12-31	zł45.34	zł138.40	x
2022-12-31	zł47.26	zł138.40	x
2023-12-31	zł70.85	zł138.40	x
2024-12-31	zł85.84	zł138.40	x
2025-12-31	zł99.45	zł138.40	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): 18.23%
The company demonstrates strong efficiency in generating profits from shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 38.23%
• Asset Turnover: 0.06x
• Equity Multiplier: 7.84x
Recent ROE (18.23%) is above the historical average (7.10%), 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
2025	18.23%	38.23%	0.06x	7.84x	zł1.07 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.

About Alior Bank S.A.

WAR:ALR Poland Banks - Diversified

Market Cap

$4.97 Billion

zł18.07 Billion PLN

Market Cap Rank

#3637 Global

#22 in Poland

Share Price

zł138.40

Change (1 day)

+3.55%

52-Week Range

zł92.76 - zł138.40

All Time High

zł138.40