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Alior Bank (ALR) investor relations material
Alior Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Strategy emphasizes growth, scale, stabilization, and digital transformation, with strong progress in customer acquisition and digital engagement.
Net profit for Q3 2025 was PLN 563 million, down 15% year-on-year, and for the first nine months was PLN 1,679 million, down 8.2% year-on-year.
Net interest income remained stable at PLN 3.87 billion, while net fee and commission income grew 3% to PLN 665 million year-over-year.
Customer base and digital engagement expanded, with 1.68 million main relationship customers (+98k y/y) and 1.59 million mobile app users (+15% y/y).
Deposit portfolio increased 8% year-on-year to PLN 80.6 billion, and total assets grew 7.2% to PLN 97,742 million.
Financial highlights
Year-to-date revenue exceeded PLN 4.5 billion, with Q3 2025 revenues at PLN 1.53 billion.
Cost/income ratio in Q3 2025 was 36.9%, with operating expenses rising mainly due to higher Bank Guarantee Fund contributions.
Return on equity (ROE) was close to 19% in Q3 and year-to-date, but declined from 24.4% year-over-year.
Net fee and commission income grew 10% year-on-year in Q3 2025.
Earnings per share for the period were PLN 12.86, down from PLN 14.02 year-over-year.
Outlook and guidance
Net interest margin (NIM) expected to drop further in Q4 and next year, with annual average NIM to fall 30-40 basis points.
Operating expenses projected to rise 6%-7% year-on-year in 2025, excluding BFG contributions.
Risk costs expected to remain below 0.8% barring major macroeconomic changes.
Lending growth anticipated as interest rates fall, but legal and regulatory risks remain significant.
Macroeconomic uncertainty persists due to geopolitical tensions, inflation, and potential tax changes.
How will you offset the expected NIM drop?
What actions support NPL <5% target?
What drives varied business loan growth?
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Next Alior Bank earnings date
Q4 202524 Feb, 2026
Next Alior Bank earnings date
Q4 202524 Feb, 2026
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