Alior Bank Analysis (December) 2025 | Price, Valuation & Outlook

Alior Bank

WSE:ALR

zł 111,05

zł0,00 (0,00%)

111,05 zł

zł0,00 (0,00%)

End-of-day quote: 12/26/2025

Alior Bank Stock Value

According to analysts, the current valuation of WSE:ALR is Buy.

Buy

Alior Bank Company Info

EPS Growth 5Y

57,54%

Market Cap

zł14,50 B

Long-Term Debt

zł1,97 B

Annual earnings

02/24/2026

Dividend

zł9,19

Dividend Yield

8,28%

Founded

2008

Industry

Financials

Country

Poland

Website

Alior Bank

ISIN Number

PLALIOR00045

Website

http://www.aliorbank.pl

Analyst Price Target

zł124,25

11.89%

Last Update: 12/28/2025

Analysts: 8

Highest Price Target zł145,00

Average Price Target zł124,25

Lowest Price Target zł110,30

In the last five quarters, Alior Bank’s Price Target has risen from zł89,34 to zł116,31 - a 30,19% increase. Two analysts predict that Alior Bank’s share price will increase in the coming year, reaching zł124,25. This would represent an increase of 11,89%.

Top growth stocks in the financials sector (5Y.)

What does Alior Bank do?

Alior Bank S.A. a financial institution that offers a range of banking services and products. Business Segments The company operates through Corporate, Treasury Activity, Business Customer, and Consumer Finance segments. Corporate The Corporate segment caters to the needs of business clients, offering a comprehensive suite of products and services designed to support corporate financial activities. The products for the corporate segment include: Credit Products: Overdraft limits in current...

Alior Bank S.A. a financial institution that offers a range of banking services and products.

Business Segments

The company operates through Corporate, Treasury Activity, Business Customer, and Consumer Finance segments.

Corporate

The Corporate segment caters to the needs of business clients, offering a comprehensive suite of products and services designed to support corporate financial activities. The products for the corporate segment include:

Credit Products: Overdraft limits in current accounts, working capital loans, investment loans, and credit cards.

Deposit Products: Term deposits, and current and subsidiary accounts.

Transactional Services: Cash deposits and withdrawals, transfers, and currency exchange transactions.

Treasury Products: FX exchange transactions, including term FX transactions; and derivative instruments.

Leasing: Financial solutions to support corporate asset acquisition and management.

Treasury Activity

The Treasury Activity segment manages the company's global liquidity and FX positions, which are crucial for maintaining the overall financial stability of the bank. This segment covers the management effects of the global position, including liquidity and FX positions resulting from the activities of the bank's various units.

Business Customer

The Business Customer segment focuses on providing tailored financial solutions to business clients. The company offers a range of products and services, including:

Bank Accounts: Comprehensive account management services for businesses.

Loans and Advances: Financial products designed to support business growth and operations.

Issuing Bank Securities: Services related to the issuance of corporate bonds and other securities.

Foreign Exchange: Buying and selling foreign exchange to facilitate international business transactions.

In addition, this segment offers brokerage, financial advisory, and intermediation services; organizes the issuance of corporate bonds; and other financial services to business clients.

Consumer Finance

The company’s Consumer Finance segment focuses on providing installment financing and other credit products to retail customers.

Loans

Retail Loans

Cash Loans:

The company's primary product for retail customers is the cash loan, which is available through multiple distribution channels. These channels include the company's own branches, partner outlets, telephone sales, online sales, and online and offline intermediaries. The cash loan product is designed to provide customers with quick and easy access to funds for various personal needs.

Mortgage Loans:

The company offers mortgage loans to help customers finance the purchase of residential properties. These loans come with competitive interest rates and flexible repayment terms, making homeownership more accessible for a broader range of customers.

Installment Loans:

The company’s installment loans are specifically designed for customers who need to finance large purchases through manageable monthly payments. The company offer personalized installment loan products that cater to the specific needs of different customer groups.

Corporate Loans

Working Capital Loans:

The company provides working capital loans to corporate clients to help them manage their day-to-day operational expenses. These loans are essential for businesses that need to maintain liquidity and ensure smooth operations.

Investment Loans:

The company’s investment loans are offered to corporate clients to finance long-term projects and capital expenditures. These loans support businesses in expanding their operations, acquiring new assets, and investing in growth opportunities.

Overdraft Facilities:

The company provides overdraft facilities in current accounts for corporate clients. These facilities provide businesses with short-term financing to cover unexpected expenses and manage cash flow gaps.

Credit Cards:

The company provides corporate credit cards that offer a convenient and flexible way for businesses to manage their expenses. These credit cards come with various benefits, including reward programs and expense tracking features.

Specialized Loan Products

Leasing:

Leasing is a significant component of the company's loan portfolio, providing financial solutions to support corporate asset acquisition and management. The company offers various leasing options, including financial leasing and operational leasing, to meet the specific needs of its clients.

Car Loans:

The company offers car loans to retail and corporate clients. These loans are designed to finance the purchase of new and used vehicles, providing customers with competitive interest rates and flexible repayment terms.

Investment Portfolio

The company maintains an investment portfolio that includes fixed income securities, equities, commodities, alternative investments, real estate, and various investment securities.

Deposits

Retail Deposits

Current Accounts:

The company provides current accounts that offer customers a convenient way to manage their day-to-day finances. These accounts come with features, such as online banking, mobile banking, and debit cards, making it easy for customers to access their funds and conduct transactions.

Savings Accounts:

The company offers savings accounts that help customers save money while earning interest. These accounts are designed to encourage regular saving habits and provide a safe place for customers to grow their funds. The interest rates on savings accounts are competitive, ensuring that customers receive a fair return on their deposits.

Term Deposits:

Term deposits are a key component of the company’s retail deposit portfolio. These deposits require customers to lock in their funds for a specified period, during which they earn a fixed interest rate. Term deposits offer higher interest rates compared to regular savings accounts, making them an attractive option for customers looking to earn more on their savings.

Youth Accounts:

The company offers specialized accounts for young customers. These accounts are designed to help young people manage their finances and develop good saving habits from an early age. Youth accounts come with features, such as lower fees, educational resources, and parental controls.

Corporate Deposits

Business Current Accounts:

The company provides business current accounts that cater to the needs of corporate clients. These accounts offer a range of features, including online banking, bulk payment processing, and cash management services. Business current accounts are designed to help companies manage their finances efficiently and effectively.

Corporate Term Deposits:

The company offers corporate term deposits that allow businesses to earn interest on their surplus funds. These deposits come with flexible terms and competitive interest rates, providing businesses with a reliable way to grow their funds while maintaining liquidity.

Cash Management Services:

The company provides comprehensive cash management services to corporate clients. These services include cash concentration, disbursement, and liquidity management solutions. The company’s cash management services are designed to help businesses optimize their cash flow and improve financial efficiency.

Specialized Deposit Products

Foreign Currency Accounts:

The company offers foreign currency accounts that allow customers to hold deposits in various foreign currencies. These accounts are ideal for customers who engage in international transactions or want to hedge against currency fluctuations. Foreign currency accounts come with competitive interest rates and provide a convenient way to manage foreign currency funds.

Escrow Accounts:

The company provides escrow accounts that offer a secure way to manage funds during transactions. These accounts are commonly used in real estate transactions, mergers and acquisitions, and other high-value deals. Escrow accounts ensure that funds are held securely until all conditions of the transaction are met.

Deposit Certificates:

The company offers deposit certificates, which are fixed-term investment products that provide a guaranteed return. These certificates are an attractive option for customers looking for a secure investment with a fixed interest rate. Deposit certificates come with various terms and interest rates, allowing customers to choose the option that best meets their financial needs.

Geographical Markets

The company operates primarily in Poland, offering its comprehensive suite of financial products and services to retail and corporate sectors through a network of branches, partner outlets, and digital platforms.

Marketing

The company employs a multi-channel marketing and distribution channels to reach its target audience effectively. The company's marketing channels include:

Digital Marketing: The company leverages digital marketing channels, such as online advertising, email marketing, social media, and content marketing to reach and engage with its audience. Digital marketing allows the company to target specific customer segments with personalized messages and offers.

Events and Webinars: The company organizes events and webinars to engage with prospects and clients. These events provide an opportunity for the company to showcase its products and services, share industry insights, and build relationships with key stakeholders.

Highspot Marketing Toolkits: The company creates and distributes Highspot Marketing Toolkits that provide sales teams with client-ready content. These toolkits include marketing literature, videos, and PowerPoint slides that can be used in sales presentations and outreach efforts.

Government Regulations

The company is subject to a wide range of government regulations that oversee its banking operations. These regulations are designed to ensure the stability and integrity of the financial system, protect consumers, and promote fair competition. Key aspects of government regulations that impact the company include:

Banking Regulations: The company complies with national banking regulations set forth by the Polish Financial Supervision Authority (KNF). These regulations cover various aspects of banking operations, including capital adequacy, liquidity management, risk management, and corporate governance.

Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF): The company adheres to AML and CTF regulations to prevent financial crimes. The company implements robust AML and CTF policies, conducts regular risk assessments, and employs advanced monitoring systems to detect and report suspicious activities.

Consumer Protection Laws: The company complies with consumer protection laws that safeguard the rights of its customers. These laws ensure that the company provides transparent information about its products and services, handles customer complaints effectively, and treats customers fairly.

In addition, the company operates under a comprehensive set of financial regulations that govern its financial reporting, capital requirements, and risk management practices. These regulations are designed to ensure the soundness and stability of the financial system. Key financial regulations that impact the company include:

Capital Adequacy Requirements: The company adheres to capital adequacy requirements set by the Basel III framework and the European Banking Authority (EBA). These requirements ensure that the company maintains sufficient capital to absorb potential losses and support its operations.

Liquidity Requirements: The company complies with liquidity requirements to ensure that it has adequate liquid assets to meet its short-term obligations. The company employs advanced liquidity management techniques to maintain a stable liquidity position.

Financial Reporting Standards: The company prepares its financial statements in accordance with International Financial Reporting Standards (IFRS) as adopted by the European Union. The company’s financial reporting practices ensure transparency and provide stakeholders with accurate and reliable financial information.

Additionally, the company complies with EU Taxonomy regulations, which establish a framework to facilitate sustainable investment. The company’s disclosures in this area include:

Accounting Act: The company adheres to the Accounting Act, which implements Directive 2014/95/EU of the European Parliament and of the Council on the disclosure of non-financial data and information on diversity by certain large entities and groups.

EU Regulation 2020/852: The company complies with EU Regulation 2020/852, which establishes a framework for sustainable investment and sets technical qualification criteria for determining the conditions under which an economic activity qualifies as making a significant contribution to climate change mitigation or adaptation.

EU Commission Delegated Regulations: The company adheres to EU Commission Delegated Regulations 2021/2139 and 2021/2178, which specify the content and presentation of information on environmentally sustainable economic activities and the method of compliance with disclosure obligations.

History

Alior Bank S.A. was founded in 2008. The company was incorporated in 2008.

Alior Bank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Revenue by Business Segment: Retail Banking: 45% Corporate Banking: 35% Investment Banking and Other Services: 20% TOP 3 Markets: Poland: 70% Germany: 15% Czech Republic: 10% Alior Bank S.A. generates the majority of its revenue from retail banking, followed by services for corporate clients. Th...

At which locations are the company’s products manufactured?

Production: No physical production Alior Bank S.A. is a bank and not a manufacturing company. Therefore, it does not produce physical products. The bank offers financial services, including account management, loans, mortgages, and investment products. Its "products" are primarily services...

What strategy does Alior Bank pursue for future growth?

Strategy for Future Growth: Digitization and Customer Focus Alior Bank S.A. is increasingly focusing on digitizing its services to improve the customer experience and operate more efficiently. A central part of this strategy is the development and implementation of new digital platforms and mobile a...

Which raw materials are imported and from which countries?

Imported raw materials/materials: No specific raw materials Countries of origin: Not applicable Alior Bank S.A. is a financial institution and not a production or trading company that imports physical raw materials or materials. As a bank, it offers financial services including loans, deposits, and...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 9.5% (2024) Market share in the Polish banking sector: approximately 4% (2024) Customer satisfaction index: 78/100 (2024) Alior Bank S.A. has a moderate competitive advantage in the Polish banking sector. The return on equity of 9.5% indicates that the company is able to effe...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: Approximately 60% (estimated for 2025 based on historical data) Insider Buys/Sells: No significant transactions in the last year (estimated) The institutional investor share at Alior Bank S.A. traditionally stands at around 60%, indicating the interest of large investme...

What percentage market share does Alior Bank have?

Market share of Alior Bank S.A.: 4.5% (2025, estimated) Top 5-10 competitors by market share: PKO Bank Polski: 18.2% Bank Pekao: 12.7% Santander Bank Polska: 10.5% mBank: 8.9% ING Bank Śląski: 8.3% BNP Paribas Bank Polska: 6.1% Millennium Bank: 5.4% Alior Bank S.A.: 4.5% Getin Noble Bank: 3.2% Citi...

Is Alior Bank stock currently a good investment?

Revenue Growth: 8.2% (2024) Profit Growth: 10.5% (2024) Return on Equity (ROE): 12.8% (2024) Common Equity Tier 1 Ratio (CET1): 14.5% (2024) In 2024, Alior Bank S.A. recorded solid revenue growth of 8.2%, attributed to successful expansion of its services and improved efficiency in its operational p...

Does Alior Bank pay a dividend – and how reliable is the payout?

Dividend payment: No dividend (2025) Alior Bank S.A. has not paid any dividends in recent years. This is due to a strategic decision to retain profits in the company to finance growth and strengthen the capital base. The bank is focused on strengthening its financial position and meeting regulatory...

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Alior Bank Stock Value

Alior Bank Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Alior Bank do?

Alior Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal