Retail banking (consumer finance)
FinanceCurrent accounts, cards, cash and instalment loans (the core — a strong position), mortgages, savings, funds. 1.7 m relationship customers. Cash-loan sales of PLN 14 bn in 2025.

SPÓŁKA AKCYJNA
Alior BANK
Alior BANK Spółka Akcyjna

SPÓŁKA AKCYJNA
Alior BANK Spółka Akcyjna
Alior Bank S.A. is a Polish universal bank serving individual customers, microenterprises, SMEs and business clients. The Bank has a strong consumer-finance position and develops relationship banking, digital sales channels, leasing (Alior Leasing — PLN 7.2 bn portfolio), insurance distribution and investment products (Alior TFI). Listed on the WSE (ticker ALR, mWIG40). The largest shareholder is the PZU Group with 31.91%. In 2025 the Bank delivered PLN 6.01 bn of revenue and PLN 2.37 bn of net profit (the highest ROE in the sector: 19.6%), with assets of PLN 101.8 bn. In February 2026 S&P Global Ratings upgraded the Bank to BBB- (investment grade), and in March 2026 the Bank established a 3 bn EUR EMTN Eurobond Issuance Programme. From 2025 profit the AGM voted a dividend of PLN 8.93/share (PLN 1,165.8 m total, payout 49.3%). The Bank serves 1.7 m relationship retail customers and 1.77 m active mobile-app users (Q1 2026).
What Alior BANK actually sells and operates.
Current accounts, cards, cash and instalment loans (the core — a strong position), mortgages, savings, funds. 1.7 m relationship customers. Cash-loan sales of PLN 14 bn in 2025.
Leasing for businesses and individuals. Portfolio PLN 7.2 bn at end-2025, sales PLN 937 m in Q1 2026.
Credit and transaction products for small, mid-size and larger businesses. Financing, factoring, leasing, transaction banking.
Mobile app with 1.77 m active users (Q1 2026), internet banking, process digitalisation.
Investment-fund manager in the Alior Group. Cross-sell of investment products to Bank customers.
2025 net profit
PLN 2.37 bn
2025 revenue
PLN 6.01 bn
2025 ROE
19.6%
Assets
PLN 101.8 bn
2025 dividend
PLN 8.93/share
S&P rating (Feb 2026)
BBB- stable
Shareholder (PZU)
31.91%
Relationship customers
1.7 m
Market capitalisation
16.44B PLN
Ranked #17 among the largest Polish companies in WIG-POLAND.
No arrears identified in the analyzed sources
No arrears or bankruptcy proceedings identified in the analyzed sources.
Main activity
64.19.ZOther monetary intermediation
Other activities
Selected excerpts from our analysis of Alior BANK. Full analysis on the Analysis tab.
Alior Bank S.A. is a Polish universal bank serving individual customers, microenterprises, SMEs and business clients. The bank combines classic banking products with a strong position in consumer finance (cash and instalment loans), growing mobile banking, leasing (Alior…
Read the full company profile Alior BANKAlior Bank operates as a universal bank with a strong consumer-finance position. It stands out for a heavier focus on individual and microenterprise customers than mBank or Bank Millennium, and less than the leader PKO BP.
Explore the business model Alior BANK2025 was very profitable for Alior Bank, though weaker than the record 2024. The Bank earned PLN 2.37 bn of net profit (-3% YoY) on revenue of PLN 6.01 bn and ROE of 19.6%. Most profit comes from net interest income (PLN 5.13 bn), complemented by PLN 906 m of net commission…
See full financial performance Alior BANKCredibility rating
52.1 / 100
Average credibility
Insolvency risk
Very low
Elevated threat
Closure risk
1
/ 100
Risk comparison - scale 0 (safe) → 100 (critical)
Spółka wykazuje sygnały niestabilności organizacyjnej: częste zmiany w zarządzie. Może to wskazywać na podwyższone ryzyko współpracy.
Shareholder changes
0
0/18 yrs
Board changes
41
41/18 yrs
PKD changes
5
5/18 yrs
Name changes
0
0/18 yrs
Data from 18 years of registry activity.
Payment reliability score from 2009–2025
Current: D (52/100)
Trend: stable (-0.4 pts/year)
Słaba wiarygodność płatnicza – wskaźniki finansowe sugerują podwyższone ryzyko opóźnień lub niewykonania zobowiązań.
Standard limit from 2009–2025
Current: 1.3 B PLN
Safe: 377.7 M PLN
Difference between risk models
Closure - probability of ceasing operations (operational continuity). Insolvency - probability of formal bankruptcy / restructuring. The models use different data - results can diverge significantly when balance-sheet data is incomplete.
Listed on the Warsaw Stock Exchange
ALRISIN: PLALIOR00045Główny Rynek
Ranked #17 in WIG-Poland
Founded
April 30, 2008
18 years in operation
Legal form
SPÓŁKA AKCYJNA
Registry: RejP
Headquarters
WARSZAWA
MAZOWIECKIE
Primary PKD
64.19.Z
Other monetary intermediation
Share capital
1.3 B PLN
Shareholders
N/A
Board
6 people
Sup. board: 8
Filed years
17 years
2009–2025 · profitable: 14/17
Registry entries
232
latest: May 6, 2026
Revenue
6.9 B PLN
2025
Net profit
2.4 B PLN
2025
Assets
101.8 B PLN
2025
Equity
13.0 B PLN
2025
EBITDA
N/A
2025
no depreciation data
Listing data for Alior BANK on the Warsaw Stock Exchange (GPW) - share price, session change, market segment, industry sector, ISIN code and stock-index membership.
Quotes, shareholders, announcements

ALR
ISIN: PLALIOR00045
Global Legal Entity Identifier (LEI) for Alior BANK from the GLEIF database - code, status, BIC, registered address and registration details.
LEI code
259400QHDOZWMJ103294
Legal name
ALIOR BANK SPÓŁKA AKCYJNA
Registry number
0000305178
Jurisdiction
PL
BIC code
Registered address
WARSZAWA Chmielna 6900-801 WARSZAWAPLHeadquarters
Same as registered address.
Rate business credibility - Alior BANK.
Consumer brands owned by this company.

News
The Alior Bank annual general meeting approved a dividend of PLN 8.93 per share from 2025 profits - PLN 1,165.8 m in total. Record date is 13 May 2026, payment 27 May. At a share price of PLN 123.75 the dividend yield reaches 7.2% - the smallest in absolute terms, but proportionally one of the highest dividends among Polish banks listed on the WSE in 2026.

Ranking
Composition of WIG20 at the end of April 2026: the 20 largest and most liquid companies on the Warsaw Stock Exchange. The State Treasury controls eight constituents; foreign capital dominates three more. LPP's share price hits a record PLN 21,880 - over 2,300 times higher than the cheapest WIG20 share, Tauron at PLN 9.47.
Highest ROE in the Polish banking sector - 19.6% in 2025 (vs most peers at 8-15%). Driven by a strong position in higher-margin consumer finance. Entry into investment grade (S&P BBB-) - February 2026 upgrade from BB+ opens access to cheaper long-term funding (3 bn EUR EMTN…
Smaller scale than TOP 6 banks - assets PLN 101.8 bn vs PKO BP's PLN 530 bn, Pekao's PLN 280 bn. Lower negotiating power, smaller scale synergies. Higher NPL than peers - 5.39% in Q1 2026 (vs ~3-4% at PKO BP, Pekao). A consequence of the strong consumer-finance position - a…
Explore the weaknesses Alior BANKCheap funding via 3 bn EUR EMTN - after the S&P upgrade to BBB- the Bank can issue Eurobonds at investment-grade-typical costs. This materially lowers average funding cost. Cross-sell in the PZU base - the PZU Group serves millions of insurance customers; deeper bancassurance…
Explore the opportunities Alior BANKInterest-rate risk - NIM 5.60% in 2025 is high; NBP cuts in 2026-2027 will burden net interest income. A high-NIM bank is more sensitive than peers. Consumer-cycle risk - strong consumer-finance exposure makes Alior sensitive to consumer recession. CoR 0.67% in Q1 2026 shows…
Explore the key risks Alior BANKAlior Bank operates in the Polish banking sector as the 7th largest bank by assets. It competes with larger universal banks and specialised players in consumer finance.
See the competitive analysis Alior BANKAlior Bank's outlook over 2026-2028 is shaped by Strategy 2025-2027, the NBP rate cycle and potential PZU decisions as dominant shareholder.
Explore the outlook Alior BANKGLEIF data, retrieved 2026-05-19.
View 259400QHDOZWMJ103294 on GLEIF
Explainer
BNP Paribas Bank Polska S.A. (KRS 0000011571), headquartered at ul. Marcina Kasprzaka 2 in Warsaw's Wola district, is a Polish bank controlled by France's BNP Paribas Group. The bank in its current form emerged from the merger of three historically separate entities: BGŻ (Bank Gospodarki Żywnościowej), Fortis Bank Polska, and Raiffeisen Polbank. Listed on the WSE since 2008, an mWIG40 constituent, with a seven-member management board and a twelve-member supervisory board.
Registered shareholders of Alior BANK, the chain leading to the ultimate owner, and the geographic origin of the capital.
Share capital
1.3 B PLN
Natural persons exercising effective control over ALIOR BANK and authorised representatives - data from the Polish Central Register of Beneficial Owners (CRBR) maintained by the Ministry of Finance.
ALIOR BANK is a public company listed on the Warsaw Stock Exchange and is not required to file beneficial-owner information with the CRBR.
Exemption: The obligation does not apply to joint-stock companies that are public companies within the meaning of the Polish Act on Public Offerings.
Why? The risk of concealing the identity of controlling persons in listed companies is considered lower thanks to the transparency of the shareholding structure.
Note: If a company is a joint-stock company but is not public (not listed on a stock exchange), the obligation to file with the CRBR still applies.
Answers to questions about the company's activity, registered office, identifiers, financial data, capital and control.
Three variables explain most of the price moves. First, NBP interest rates — high NIM 5.60% is a focus point; every round of cuts directly burdens net interest income by hundreds of millions of PLN. Second, loan-portfolio quality — NPL 5.4% and CoR 0.67% in Q1 2026 are first signals of consumer-cycle pressure; deterioration would weigh on valuation. Third, PZU decisions — selling or keeping the 31.91% stake shapes the shareholder structure and may change the valuation. Secondary: ratings (further S&P/Fitch upgrade), EMTN funding, dividend policy, regulation, AI in service. An investor's first glance at Alior should be NBP rates and NPL — these two variables shape most of the valuation.
Latest reporting year
2025
Available years
18
Filing entries
0
20 historical registry entries for Alior BANK
Change in Section 1 (basic data)
WA.XIII NS-REJ.KRS/67888/25/140/ADE
Change in Section 1 (basic data)
WA.XIII NS-REJ.KRS/1831/26/263
Change in Section 1 (basic data)
WA.XIII NS-REJ.KRS/19207/26/675
Change in Section 1 (basic data)
WA.XIII NS-REJ.KRS/23112/26/471
Filing documents submitted (7 documents)
Capital origin
kapitał krajowy
Ownership chain
Share capital
1,305,539,910.00 PLN
Shares outstanding
130,553,991
| Shareholder | Shares | Capital share | Votes | Vote share |
|---|---|---|---|---|
| Powszechny Zakład Ubezpieczeń Spółka Akcyjna * | 41,658,850 | 31.91% | 41,658,850 | 31.91% |
| NATIONALE-NEDERLANDEN Powszechne Towarzystwo Emerytalne S.A. | 12,915,615 | 9.89% | 12,915,615 | 9.89% |
| Powszechne Towarzystwo Emerytalne Allianz Polska S.A. | 11,526,440 | 8.83% | 11,526,440 | 8.83% |
| Generali Powszechne Towarzystwo Emerytalne SA | 6,692,039 | 5.13% | 6,692,039 | 5.13% |
| Other minor shareholders | 57,761,047 | 44.24% | - | - |
* z podmiotami zależnymi
Source: GPW (shareholders with ≥5% of capital or votes). Other minor shareholders are the public float.
Trademarks filed or registered by Alior BANK in the Polish Patent Office (UPRP) - filing dates, status, Nice classes and graphical marks.
3 most recent trademarks

(no name)
Filing date: 2023-11-29
active
Alior Rent
Filing date: 2023-11-29
active(no name)
Filing date: 2023-11-29
activeAverage annual headcount for Alior BANK and its capital group by year - figures disclosed in the issuer's annual reports.
Number of employees hired directly by the company.
As of 2023
6,645
| Year | Headcount | YoY change |
|---|---|---|
| 2023 | 6,645 | +163 (+2.5%) |
| 2022 | 6,482 | -698 (-9.7%) |
| 2020 | 7,180 | -444 (-5.8%) |
| 2019 | 7,624 | -486 (-6%) |
| 2017 | 8,110 | -2,135 (-20.8%) |
| 2016 | 10,245 | +3,884 (+61.1%) |
| 2015 | 6,361 | -276 (-4.2%) |
| 2014 | 6,637 | +4,052 (+156.8%) |
| 2013 | 2,585 | -1,570 (-37.8%) |
| 2012 | 4,155 | +501 (+13.7%) |
| 2011 | 3,654 | +412 (+12.7%) |
| 2010 | 3,242 | +915 (+39.3%) |
| 2009 | 2,327 |
Consolidated headcount across the capital group.
As of 2023
7,229
| Year | Headcount | YoY change |
|---|---|---|
| 2023 | 7,229 | +155 (+2.2%) |
| 2022 | 7,074 | -367 (-4.9%) |
| 2021 | 7,441 | -437 (-5.5%) |
| 2020 | 7,878 | -265 (-3.3%) |
| 2019 |
GPW data, retrieved June 4, 2026.
| 8,143 |
| -85 (-1%) |
| 2018 | 8,228 | -249 (-2.9%) |
| 2017 | 8,477 | -1,768 (-17.3%) |
| 2016 | 10,245 | +3,884 (+61.1%) |
| 2015 | 6,361 | -276 (-4.2%) |
| 2014 | 6,637 | +125 (+1.9%) |
| 2013 | 6,512 | +3,384 (+108.2%) |
| 2012 | 3,128 |
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