Half Year 2025 Alior Bank SA Earnings Call Transcript

Aug 6, 2025 / 08:30 AM GMT

Release Date Price: $12.07

Transcript

Key Points

Positve

Alior Bank SA (WAR:ALR) reported a 6% increase in revenues for the second quarter, reaching 1.5 billion, with net profit rising by 9% compared to the previous year.
The bank's Return on Equity (ROE) reached 22%, indicating strong profitability.
There was a significant decrease in the cost of risk, attributed to the sale of the NPL portfolio, resulting in a cost of risk of 0.2%.
The number of relationship customers grew to 1.64 million, with mobile app users increasing by 13% year-on-year.
Alior Bank SA (WAR:ALR) experienced strong growth in its mortgage loan segment, with a twofold increase in sales compared to the previous year.

Negative

The interest margin decreased by 8 percentage points, partly due to a shift towards fixed-rate products with lower margins.
The bank's net interest income displayed lower dynamics than the market average, attributed to a product mix shift towards mortgage loans.
There was an outflow of retail deposits in Q2, attributed to changes in the bank's pricing policy.
The consumer loan portfolio showed weak dynamics, with only a 2% growth quarter-on-quarter.
The bank faces ongoing litigation risks, with provisions increased for legal risks related to mortgage loans in foreign currencies.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ALRR.WA - Alior Bank SA
Half Year 2025 Alior Bank SA Earnings Call
Aug 06, 2025 / 08:30AM GMT

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Presentation
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Unidentified_1 [1]
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Traditionally, the results of the bank and the trends accompanying these results will be discussed by members of the board. Presidents.

Who will sum up the most important trends in the business sector, Boitera will present the final results, and Maryievski will present the risk sector results in the second part of the meeting after the presentation, we will move on to a question and answer session before I hand over to, I encourage all those who are watching us to ask questions. Is already in the first part of the conference thanks to which we will be able to move on smoothly to the Q&A session. I hand over to.

Good morning, everyone. May I welcome everyone at the meeting of the board, which is a traditional quarterly

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