Alior Bank S.A. Net Assets

Latest as of June 2026: zł12.51 Billion PLN ≈ $3.44 Billion USD

Alior Bank S.A. net assets. Based on the latest financial reports, Alior Bank S.A. (ALR) has net assets worth zł12.51 Billion PLN (≈ $3.44 Billion USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł106.64 Billion ≈ $29.35 Billion USD) and total liabilities (zł94.12 Billion ≈ $25.90 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. Also explore how fast is Alior Bank S.A. growing its equity to track the company's year-over-year net asset growth rate.

Key Net Assets Metrics

Metric	Value
Current Net Assets	zł12.51 Billion
% of Total Assets	11.73%
Annual Growth Rate	16.83%
5-Year Change	119.34%
10-Year Change	110.77%
Growth Volatility	26.14

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

Net assets of Alior Bank S.A. from 2009 to 2025. This chart illustrates how Alior Bank S.A.'s net assets have evolved over time, based on quarterly financial data. See net asset quality index of Alior Bank S.A. to measure how much of total assets are equity-financed.

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 market cap and overall valuation, see ALR stock market capitalisation.

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.

Alior Bank S.A. Net Assets Breakdown (December 2025)

Alior Bank S.A. net assets breakdown by equity component as of December 2025.

Component	Amount	Percentage
Retained Earnings	zł2.45 Billion	18.89%
Common Stock	zł1.31 Billion	10.06%
Other Comprehensive Income	zł569.43 Million	4.39%
Other Components	zł8.66 Billion	66.67%
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
Radian Group Inc NYSE:RDN	$4.79 Billion
Guangzhou Friendship Group Co Ltd SHE:000987	$4.79 Billion
VEND MARKETPLACES ASA OL:VEND	$4.79 Billion
Big Shopping Centers Ltd TA:BIG	$4.80 Billion
Compagnie de l'Odet PA:ODET	$4.79 Billion
SGHC Limited NYSE:SGHC	$4.79 Billion
CompoSecure, Inc. NYSE:CMPO	$4.78 Billion
Rainbow Robotics Inc. KQ:277810	$4.77 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 2,367,060,000 contributed positively to equity growth.
Dividend payments of 1,199,791,000 reduced retained earnings.
Other comprehensive income increased equity by 604,549,999.

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	zł604.55 Million	+4.66%
Other Changes	zł4.44 Million	+0.03%
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: 1.34x
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 7.59x to 1.34x 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	zł133.35	x
2010-12-31	zł15.92	zł133.35	x
2011-12-31	zł15.50	zł133.35	x
2012-12-31	zł29.51	zł133.35	x
2013-12-31	zł26.63	zł133.35	x
2014-12-31	zł33.61	zł133.35	x
2015-12-31	zł38.38	zł133.35	x
2016-12-31	zł58.78	zł133.35	x
2017-12-31	zł50.75	zł133.35	x
2018-12-31	zł49.44	zł133.35	x
2019-12-31	zł51.39	zł133.35	x
2020-12-31	zł50.24	zł133.35	x
2021-12-31	zł45.34	zł133.35	x
2022-12-31	zł47.26	zł133.35	x
2023-12-31	zł70.85	zł133.35	x
2024-12-31	zł85.84	zł133.35	x
2025-12-31	zł99.45	zł133.35	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: 28.37%
• Asset Turnover: 0.08x
• 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%	28.37%	0.08x	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

$4.79 Billion

zł17.41 Billion PLN

Market Cap Rank

#3551 Global

#24 in Poland

Share Price

zł133.35

Change (1 day)

-6.09%

52-Week Range

zł99.56 - zł143.70

All Time High

zł143.70