Alior Bank

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  Alior Bank SA
logo
Country PolandPoland Poland
Seat Warsaw
legal form Spółka Akcyjna
Joint Stock Company (Poland)
ISIN PLALIOR00045
BIC ALBPPLPWXXX
founding 2008
Website https://www.aliorbank.pl/
Business data 2019
Total assets 76.7 billion zlotys (17.5 billion euros )
insoles 65.0 billion zlotys (14.8 billion euros)
Customer credit 55.9 billion zlotys (12.7 billion euros)
Employee 8,143
Offices 820
management
Board Krzysztof Bachta (Chair)
Tomasz Biłous
Marcin Jaszczuk
Seweryn Kowalczyk
Agata Strzelecka
Marek Szcześniak
Dariusz Szwed
Supervisory board Tomasz Kulik (Chair)
Marcin Eckert
Dariusz Gątarek
Mikołaj Handschke
Artur Kucharski
Wojciech Myślecki
Maciej Rapkiewicz

The Alior Bank SA (Alior Bank) is a Polish universal bank headquartered in Warsaw . Its sales network consists of 197 own and 608 partner branches as well as 7 private banking and 8 business customer centers.

The company's share is traded on the Warsaw Stock Exchange and is listed in its WIG 20 leading index.

history

In 2007, developed Wojciech Sobieraj , then a board member in to GE Finance belonging Bank BPH , the concept of the formation of a new Polish universal bank .

The capital required for this came from the Polish-French entrepreneur Romain Zaleski through his Carlo Tassara concern .

On April 18, 2008, Carlo Tassara received approval to set up a bank from the competent Polish banking supervisory authority Komisja Nadzoru Finansowego . On September 1 of the same year, the same authority approved the start of business operations for the Alior Bank. The first branches were opened on October 28th. The official start of business operations took place on November 17, 2008.

As a result of in 2011 with creditors agreement reached by the year 2013 assets to sell to the value of 2.5 billion euros, with the proceeds debt to pay, Carlo Tassara brought in 2012 a package of 66% of the shares of Alior Bank on the stock exchange. The remaining 34% of the shares should initially be sold to a strategic investor by the end of 2013. Carlo Tassara's complete exit was later postponed to the end of 2014 and finally to mid-2016, as a suitable investor could not be found at short notice due to the high valuation of the share. The first trading day of the share on the Warsaw Stock Exchange (GPW) was December 14, 2012. Since March 2014, the share has been included in the GPW WIG20 leading index .

In October 2014, it was announced that Alior Bank intended to acquire 95% of the voting shares in its smaller competitor Meritum Bank for a total of PLN 353 million from the private equity companies Innova Capital and Wolfensohn Capital Partners and the European Bank for Reconstruction and Development . The responsible supervisory authority KNF gave its approval in February 2015. The operational merger finally took place on October 26, 2015.

After Carlo Tassara's stake had decreased further in the meantime through capital increases , the Polish insurance group PZU took over the remaining 25.3% of the shares in the bank from Carlo Tassara for 1.6 billion zloty in 2015 . Previously, the financial services provider Getin Holding and the major French bank Société Générale , as well as the Spanish Banco Santander had been discussed as possible buyers.

In 2016, the Group acquired the core business of to General Electric related Bank BPH for 1.225 billion zloty. Exceptions were BPH's mortgage portfolio and asset management business (these two businesses remained with GE). To finance the transaction, issued the Alior Bank new shares.

The company has been working with the Romanian subsidiary of Deutsche Telekom since 2016 . The service, known as Telekom Banking , includes current accounts and a platform for currency exchange in real time.

Negotiations to take over the Polish subsidiary of the Austrian Raiffeisenbank ( Raiffeisen Bank Polska SA ) failed in December 2016. Raiffeisen had sought to improve its core capital ratio by selling the Polish unit, among other things .

In June 2017 Wojciech Sobieraj, CEO and founder of the bank, left the company; since then he has been involved in setting up the fintech Vodeno .

In October 2017, Alior Bank and Bank Pekao announced that they were negotiating a possible merger, but announced in August 2018 that they had not reached an agreement on the terms. What both companies have in common is the fact that the insurance group PZU , which is partly owned by the Polish state, is their largest single investor.

After the Alior Bank in the past several cooperative organized savings banks ( Spółdzielcza Kasa Oszczędnościowo-Kredytowa in. Św. Jana z KET in 2014, and Spółdzielcza Kasa Oszczędnościowo-Kredytowa in. Stefana Kard. Wyszyńskiego and Powszechna Spółdzielcza Kasa Oszczędnościowo-Kredytowa in 2016), the KNF approved the takeover of SKOK Jaworzno in January 2019 .

Deposit insurance

As a Polish credit institution, the bank is subject to Directive 2014/49 / EU of the European Union without restriction . It is a member of the Polish Deposit Protection Fund ( Bankowy Fundusz Gwarancyjny ), through which all deposits up to 100,000 euros in Poland are fully covered.

Shareholder structure

The share capital of the company amounts to 1,305,539,910.00 zloty and is divided into 130,553,991 shares of Series A through J a nominal value of 10.00 zloty.

Shareholder structure as of December 31, 2019
shareholder Number of shares held Share in the share capital Share of voting rights
PZU SA 41,658,850 31.91% 31.91%
Aviva OFE Aviva BZ WBK 9,467,000 7.25% 7.25%
Nationale-Nederlanden PTE SA 9,300,000 7.12% 7.12%
Free float 70.097.705 53.70% 53.70%

The Polish state has an indirect stake in the bank through the insurance group PZU , in which it holds 34.1875% of the shares.

Awards

The company has received several awards from various industry institutions, including as the best private customer bank in Poland (2013) and for its role as an innovation driver in the Polish banking market.

Web links

Individual evidence

  1. ↑ Entry in the BIC directory at SWIFT
  2. ↑ a b c d e Alior Bank SA: Skonsolidowane sprawozdanie finansowe Grupy Kapitałowej Alior Banku Spółki Akcyjnej za rok zakończony 31 grudnia 2019 r. (ZIP / PDF; 17.7 MB) February 27, 2020, accessed on March 20, 2020 (Polish).
  3. ↑ a b c Alior Bank SA: Sprawozdanie Grupy Kapitałowej Alior Banku SA na temat informacji niefinansowych za 2019 rok. (PDF; 17.7 MB) February 27, 2020, accessed on March 20, 2020 (Polish).
  4. ↑ https://www.aliorbank.pl/dam/jcr:077c1ca5-4c74-46fd-b7ff-10b2845aad51/Grupa%20AB_PL.zip
  5. ^ Alior Bank SA: Zarząd Alior Banku. Retrieved March 20, 2020 (Polish).
  6. ^ Alior Bank SA: Rada Nadzorcza. Retrieved March 20, 2020 (Polish).
  7. ↑ Wojciech Sobieraj Dokonal niemożliwego - otworzył bench w środku kryzysu. Na tym jednak never poprzestał. September 19, 2013, accessed March 20, 2020 (Polish).
  8. ^ French billionaire to set up new bank in Poland. October 29, 2008, accessed March 20, 2020 .
  9. ^ Historia - Alior Bank. Retrieved March 20, 2020 (Polish).
  10. ^ Antonella Ciancio: Stake in Polish bank Alior put up for sale report. December 30, 2012, accessed March 20, 2020 .
  11. ↑ UPDATE 2-Alior Bank owners to cut stake in IPO, exit in 2013. November 21, 2012, accessed on March 20, 2020 (English).
  12. ↑ KNF zgodziła się na przełożenie do końca '14 terminu wyjścia Carlo Tassara z Alior Banku - źródło. January 9, 2014, accessed March 20, 2020 (Polish).
  13. ↑ Marcin Goclowski: Polish regulator gives Carlo Tassara group more time to sell Alior bank stake. September 16, 2014, accessed March 20, 2020 .
  14. ↑ ALIOR BANK (Uchwała No. 1276/2012). December 13, 2012, accessed March 20, 2020 (Polish).
  15. ↑ GPW: Komunikat Zarządu Giełdy Papierów Wartościowych w Warszawie SA z dnia 10 lutego 2014 roku. February 10, 2014, accessed March 8, 2019 (Polish).
  16. ↑ UPDATE 1-Poland's Alior Bank buys Meritum Bank for $ 107 million. October 21, 2014, accessed March 20, 2020 .
  17. ↑ KNF Dala zielone światło na przejęcie Meritum przez Alior. February 10, 2015, accessed March 20, 2020 (Polish).
  18. ↑ merger of Meritum Bank with Alior Bank Is Successfully Completed. October 28, 2015, accessed March 20, 2020 .
  19. ↑ Alior Bank potwierdza sprzedaż 3.3 mln akcji przez spółkę Carlo Tassara. April 25, 2014, accessed March 20, 2020 (Polish).
  20. ↑ Wojciech Sobieraj: Przejęcie Alior Banku pozwoli PZU na konsolidację rodzimego sektora Bankowego. July 20, 2015, accessed March 20, 2020 (Polish).
  21. ↑ Poland's Top Insurer Buys a Stake in Alior Bank, With More of the Same to Follow. June 5, 2015, accessed March 20, 2020 .
  22. ^ Santander entra en la puja por the 26% del polaco Alior Bank. January 23, 2015, accessed March 20, 2020 (Spanish).
  23. ↑ UPDATE 2-Poland's Alior buys GE's Bank BPH, says on look-out for more. April 1, 2016, accessed March 20, 2020 .
  24. ↑ Telekom Romania partners with Poland's Alior Bank to launch Telekom Banking. October 18, 2017, accessed March 20, 2020 .
  25. ↑ Alior Bank odstępuje od zamiaru nabycia podstawowej działalności bankowej Raiffeisen Bank Polska SA. December 7, 2016, accessed March 20, 2020 (Polish).
  26. ↑ 02/09/2015 - RBI: New CET1 target of 12 percent. February 9, 2015, accessed March 20, 2020 .
  27. ↑ Wojciech Sobieraj tworzy Vodeno. February 8, 2019, accessed March 20, 2020 (Polish).
  28. ^ Three new e-banks set to enter market. July 31, 2019, accessed March 20, 2020 .
  29. ↑ Never będzie fuzji for Aliorem: Pekao odstąpił od negocjacji w sprawie połączenia. August 7, 2018, accessed March 20, 2020 (Polish).
  30. ↑ Przejęcie SKOK im. Św. Jana z Kęt przez Alior Bank. August 14, 2014, accessed March 20, 2020 (Polish).
  31. ↑ Przejęcie SKOK Wyszyńskiego przez Alior Bank. January 26, 2016, accessed March 20, 2020 (Polish).
  32. ↑ Przejęcie Powszechnej SKOK przez Alior Bank. April 26, 2016, accessed March 20, 2020 (Polish).
  33. ↑ KNF zdecydowała o przejęciu SKOK Jaworzno. January 31, 2019, accessed March 20, 2020 (Polish).
  34. ↑ Directive 2014/49 / EU of the European Parliament and of the Council of April 16, 2014 on deposit guarantee schemes . Official Journal of the European Union L 173/149. June 12, 2014. Accessed March 20, 2020.
  35. ↑ PZU: Struktura akcjonariatu. Retrieved March 20, 2020 (Polish).
  36. ↑ GLOBAL BANKING & FINANCE AWARDS® - 2013 - Award Winners. Retrieved March 20, 2020 .
  37. ↑ Alior Bank nagrodzony za Innowacje! October 17, 2018, accessed March 20, 2020 (Polish).
  38. ↑ Alior Bank z nagrodą or “Gazety Bankowej” za wdrażanie innowacji. April 6, 2019, accessed March 20, 2020 (Polish).