Business
Alior Bank S A : H1 2023 Results Presentation
Alior Bank S A : H1 2023 Results
About this update from Alior Bank Sa
Presentation of results for 1H'23 Warsaw, August 2, 2023 Agenda 1. Operating activities Credit risk Financial results 4. Other issues 2 Operating activities Record-breaking financial results in 2Q'23 are an optimistic indicator for the future In the first half of 2023 revenues amounted to PLN bn 2.715 net interest income PLN bn 2.264 (+23% y/y) net fees and commissions PLN mn 425 (+3% y/y) In 2Q'23 revenues amounted to PLN bn 1.385 net interest income PLN bn 1.161 (+19% y/y) net fees and commissions PLN mn 216 (-2% y/y) Net profit for the first half of 2023 amounted to PLN mn 872 and increased by PLN mn 486 compared to the first half of 2022. Net profit in 2Q'23 amounted to PLN mn 506 mln PLN and increased by PLN mn 290 in comparison to 2Q'22. 4 * Detailed on slide 36 Total revenues (PLN mn) +433 mn (+19%) +185 mn (+15%) 2 726 1 322 1 341 1 385 11 1 292 1 200 11 525 2 293 2 715 1 330 +422 mn 767 IH 22 IH 23 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 One-offs* Total income (PLN M) Net profit (PLN mn) +310 mn +132 mn (+35%) (+54%) 881 506 431 9 375 369 375 571 8 9 158 185 494 872 +486 mn +290 mn 360 366 y/y 385 216 IH 22 IH 23 -63 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 One-offs* Net Income Another successful quarter for Alior Bank - improvement of efficiency, profitability, and quality of portfolio Assets (PLN bn) -0.8% 84,2 83,5 Gross Loans (PLN bn) -0.8% 63,2 62,7 Gross Performing Loans* (PLN bn) +0.5% 56,7 56,4 2Q 22 2Q 23 2Q 22 2Q 23 2Q 22 2Q 23 C/I 2Q'23 ROE 2Q'23 COR 2Q'23 35.3% 27.8% 0.95% -13.9 p.p. y/y +11.9 p.p. y/y -0.51 p.p. y/y NPL 2Q'23 NIM 2Q'23 TCR 2Q'23 9.45% 6.05% 15.11% -1.25 p.p. y/y +0.93 p.p. y/y +1.12 p.p. y/y 5 * Volume of gross loans classified to stages 1 and 2