Business
Alior Bank S A : 2022 Results Presentation
Alior Bank S A : 2022 Results
About this update from Alior Bank Sa
Presentation of results for 2022 Warsaw, March 3, 2023 Agenda 1. Operating activities Credit risk Financial results 4. Other issues 2 Operating activities Very good financial results achieved in 2022 allow us to be optimistic about the future Total revenues (PLN) In 2022, revenues amounted to PLN 4.382 bn interest income PLN 3.560 bn (+27% y/y) fees and commissions income PLN 796 mn (+4% y/y) In 4Q 22, revenues amounted to PLN 1.322 bn interest income PLN 1.139 bn (+50% y/y) fees and commissions income PLN 183 mn (-15% y/y) Alior Bank's net profit amounted to PLN 683 mn in 2022 and increased by PLN 201 mn compared to the result for 2021. The reported net profit in 4Q 22 amounted to PLN 360 mn - a new historical record. Adjusted for one-offs*, the net profit in 4Q 22 amounted to PLN 369 mn, and in the entire 2022 to PLN 1.371 bn. 4 * Detailed on slide 36 +1 269 mn +387 mn 4 907 1 292 1 322 1 200 525 1 093 3 637 525 935 4 382 +744 mn 767 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 2021 2022 One-offs Total income Net profit (PLN) +864 mn +244 mn 1 371 431 369 688 375 507 8 196 158 494 25 125 27 360 +260 mn y/y 683 +201 mn 482 25 169 216 100 2021 2022 -63 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 One-offs Net Income A successful quarter for Alior Bank - noticeable improvement in efficiency, profitability and portfolio quality Assets (PLN bn) -0,2% 83,0 82,9 Gross Loans (PLN bn) -2,4% 63,6 62,1 Gross Performing Loans* (PLN bn) -0,2% 56,1 56,0 4Q 21 4Q 22 4Q 21 4Q 22 4Q 21 4Q 22 C/I 4Q 22 ROE 4Q 22 NIM 4Q 22 COR 4Q 22 TCR 4Q 22 34.5% 24.6% 5.92% 1.57% 14.19% -7.6 p.p. y/y +18.3 p.p. y/y +1.91 p.p. y/y +0.03 p.p. y/y +0.03 p.p. y/y C/I 2022 ROE 2022 NIM 2022 COR 2022 NPL 4Q 22 45.6% 11.3% 4.64% 1.51% 9.80% +2.1 p.p. y/y +3.6 p.p. y/y +0.9 p.p. y/y -0.09 p.p. y/y -1.97 p.p. y/y 5 * Volume of gross loans classified to stages 1 and 2