Alior Bank profit drops 43% after EU court ruling on consumer loans

Alior Bank reported a net profit of 366.6 million zł in the second quarter of 2026, a 43 % drop from the same period a year earlier. The decline was primarily caused by a ruling of the Court of Justice of the European Union on 23 April 2026, which prohibited banks from including fees and insurance premiums in the calculation of consumer‑loan interest, forcing a revenue correction of about 153 million zł. Additional pressures came from higher credit‑risk costs (up 98 million zł) and an increased corporate‑tax rate of 30 % applied to banks. Adjusted profit after the correction was about 463 million zł, still 28 % lower than Q2 2025. In the first half of 2026 the bank’s profit fell 31 % to 770 million zł. Interest income fell 12.9 % year‑on‑year to 1.12 billion zł and the net interest margin slipped to 4.5 %, while fee income rose 4.4 % to 241 million zł.