Alior Bank S.A.

Established in 2008 Alior Bank S.A. is a universal bank providing products and services to both individual and business customers. The bank combines the principles of traditional banking with innovative solutions. In December 2013, the Bank entered into a strategic alliance with T-Mobile, leading global telecommunications operator. in May 2014, T-Mobile Banking Services delivered by Alior Bank became operational. In February 2015 Alior Bank SA became the major shareholder of Meritum Bank ICB. On June 30, 2015 Meritum Bank ICB was legally merged with Alior Bank.

Services

Retail Banking
Private Banking
Corporate Banking
Online Brokerage
Insurance

Products

Financials

Total Assets (2017)
16 644.00 mln PLN  (-72.81%)
Net Income (2017)
121.00 mln PLN  (-80.42%)
Number of Employees (2017)
8 110  (-20.84%)

In 2017 total assets of Alior Bank S.A. were 16 644,00 mln PLN. In 2017 the bank's net income was 121,00 mln PLN. Alior Bank S.A. had 8 110 employees in 2017.

Alior Bank S.A. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is BB (speculative).

Alior Bank S.A. participates in deposit guarantee scheme of Poland. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Contacts

ul. Łopuszańska 38D, 02-232, Warszawa, Poland
+48 22 555-22-22
+48 22 555-23-23

Alior Bank S.A. is headquartered in Warszawa.

Bank Identifiers

BIC (SWIFT)
ALBPPLPWXXX
MFI ID
PL00249
Bank Sort Code
24900005
Start Date
September 2008

Business Summary

Services
retail banking
private banking
corporate banking
online brokerage
insurance
Products
current accounts
savings accounts
time deposit accounts (0.10 - 0.20 %)
investment funds
consumer loans (5.12 - 5.12 %)
mortgage loans
business loans
trade finance
car loans (5.12 - 5.12 %)

Alior Bank S.A. provides products and services in the areas of retail banking, private banking, corporate banking, online brokerage, insurance. The range of products offered by Alior Bank S.A. includes current accounts, savings accounts, time deposit accounts (0.10 - 0.20 %), investment funds, consumer loans (5.12 - 5.12 %), mortgage loans, business loans, trade finance, car loans (5.12 - 5.12 %).

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

Current accounts made with Alior Bank S.A. are covered by deposit guarantee scheme of Poland up to 100 000 EUR per depositor. The following current accounts are offered by Alior Bank S.A..

Updated on 17 January 2019

Konto ZEROzłotowe
Sales Region
Poland
Account Currency
PLN
Annual Costs (PLN)
0.00
Overdraft Rate (p.a.)
0.00 %
Current Account Details
Product Name
Konto ZEROzłotowe
Account Currency
PLN
Annual Costs
0.00 PLN
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
0.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 PLN
Credit Card
Credit Card Costs (p.a.)
48.00 PLN
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Indexed TAN (iTAN)
pushTAN
photoTAN
Mobile TAN (mTAN)
chipTAN
Konto osobiste
Sales Region
Poland
Account Currency
PLN
Annual Costs (PLN)
0.00
Overdraft Rate (p.a.)
0.00 %
Current Account Details
Product Name
Konto osobiste
Account Currency
PLN
Annual Costs
0.00 PLN
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
0.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 PLN
Credit Card
Credit Card Costs (p.a.)
72.00 PLN
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Indexed TAN (iTAN)
pushTAN
photoTAN
Mobile TAN (mTAN)
chipTAN

Poland: This product is offered to Polish residents only. When clicking on the product link you will be redirected to the product page in Polish.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with Alior Bank S.A. are covered by deposit guarantee scheme of Poland up to 100 000 EUR per depositor. Alior Bank S.A. offers the following time deposit accounts.

Updated on 17 January 2019

Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
6
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
6
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
12
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Flexgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Flexgeld
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
12
Investment Amount
10000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
24
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
36
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by Alior Bank S.A. are shown in the table below.

Updated on 17 January 2019

Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
3
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
6
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
12
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
24
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
36
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
48
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
60
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
72
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
84
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
96
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
120

Poland: This product is offered to Polish residents only. When clicking on the product link you will be redirected to the product page in Polish.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by Alior Bank S.A. are shown in the table below.

Updated on 17 January 2019

Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
3
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
6
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
12
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
24
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
36
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
48
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
60
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
72
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
84
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
96
Pożyczka 5% z gwarancją
Sales Region
Poland
Loan Currency
PLN
Effective Rate (p.a.)
5.12 %
Loan Amount (PLN)
500 - 80000
Loan Term (months)
120

Poland: This product is offered to Polish residents only. When clicking on the product link you will be redirected to the product page in Polish.

See Also

Financial Positions

Total Assets (2017)
16 644.00 mln PLN  (-72.81%)
Total Equity (2017)
1 620.00 mln PLN  (-73.88%)

In 2017 total assets of Alior Bank S.A. were 16 644.00 mln PLN. Decline compared to the previous period (2016) was -72.81%. The evolution of the total assets of Alior Bank S.A. is shown at Chart 1 below.

Total Assets of Alior Bank S.A..

Chart 1. Total Assets of Alior Bank S.A..

Recent changes in total assets of Alior Bank S.A. and its main components are shown in Table 1.

2016 2017 % change
Loans 49 315.0 13 094.0 -73.45%
Total Assets 61 210.0 16 644.0 -72.81%
Table 1. Recent changes in total assets of Alior Bank S.A. (mln PLN).

Recent changes in total liabilities of Alior Bank S.A. and its main components are shown in Table 2.

2016 2017 % change
Deposits 48 079.0 13 799.0 -71.30%
Total Liabilities 61 210.0 16 644.0 -72.81%
Table 2. Recent changes in total liabilities of Alior Bank S.A. (mln PLN).

Profit and Loss

Net Income (2017)
121.00 mln PLN  (-80.42%)

In 2017 net income of Alior Bank S.A. was 121.00 mln PLN. Decline compared to the previous period (2016) was -80.42%. The evolution of the net income of Alior Bank S.A. is shown at Chart 2 below.

Net Income of Alior Bank S.A..

Chart 2. Net Income of Alior Bank S.A..

Number of Employees

Number of Employees (2017)
8 110  (-20.84%)

In 2017 there were 8 110 employees of Alior Bank S.A.. Decline compared to the previous period (2016) was -20.84%. The evolution of the number of employees of Alior Bank S.A. is shown at Chart 3 below.

Number of Employees of Alior Bank S.A..

Chart 3. Number of Employees of Alior Bank S.A..

Credit Ratings (as of May 2018)

Fitch Moody's
BB (speculative) - (not rated)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. Alior Bank S.A. is rated by Fitch.

Credit ratings assigned to Alior Bank S.A. as of May 2018 are shown in details in the following sections.

Fitch

Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for Alior Bank S.A. it is set to BB (speculative), outlook is positive (may be raised). The rating is not on watch. Short-term issuer default rating for Alior Bank S.A. is set to B (speculative short-term credit quality).

Long-Term Issuer Default Rating  BB
    Outlook  positive
    On Watch  No
Short-Term Issuer Default Rating  B
Viability Rating  bb
Support Rating  5
Support Rating Floor  NF

Viability rating for Alior Bank S.A. is set to bb (speculative fundamental credit quality); support rating is 5 (there is a possibility of external support, but it cannot be relied upon); support rating floor is NF (no floor; no reasonable presumption of potential support being forthcoming).

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Poland are obliged to participate in Polish deposit guarantee scheme.

In the case of Alior Bank S.A. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, legal entities
Covered Accounts  deposits in all the accounts (e.g. term deposits, current accounts, savings accounts)
Covered Currencies  all
Maximum Protected Amount  100 000 EUR
Paid In Currency  PLN

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of Alior Bank S.A. and its components are shown in the table below.

BIC  ALBPPLPWXXX
Bank BIC Code  ALBP
Country Code  PL (Poland)
Location Code  PW
Branch Code  XXX

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Alior Bank S.A. is shown in the table below.

MFI ID  PL00249

Bank Sort Code

Bank Sort Code is a code that uniquely identifies a financial institution within a country. Bank sort codes are usually assigned by National Central Banks and differ from BIC codes.

Bank Sort Code  24900005

European Presence: 2 banks in 2 countries

Alior Bank S.A. operates under the brand name Alior Bank. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Poland

  • (this bank) Alior Bank S.A. (Warszawa)

Romania