Assets

The bank's long-term assets, primarily comprised of loans to customers, demonstrate a moderate growth trend, driven by favorable developments in the corporate financing portfolio, which suggests a stable and expanding customer base. Conversely, the short-term assets, including cash and equivalents, exhibit a decline, indicating a potential shift in liquidity management strategies, possibly to optimize returns on excess funds. Overall, the bank's total assets and investments appear well-positioned for future growth, with a balanced mix of long-term and short-term assets, although closer examination of the underlying drivers is warranted to fully understand the implications of these trends.

Shareholders Equity

The Shareholders' Equity of Alisa Bank has demonstrated a stable trend, with a slight decrease in retained earnings, which may be attributed to the bank's strategic focus on income growth and operational efficiency. The bank's ability to maintain a strong equity position, despite the decrease, suggests a robust capital base that can absorb potential losses and support future growth initiatives. However, the bank's reliance on retained earnings to drive equity growth may indicate a need to explore alternative capital-raising strategies to support its medium-term targets.

The value of Alisa Bank Equity at the end of Q2 2026 is 32.8 million Euros. The predicted value of Alisa Bank Equity at the end of Q2 2027 (e) is 30.7 million Euros. The expected change in one year is a decrease of 2.1 million Euros, which is a 6.5% decrease from the Q2 2026 value. The Equity of Alisa Bank is expected to decrease by 3 million Euros from 2025 to 2026, which is a 8.6% change. From 2026 to 2027, the Equity is predicted to decrease by another 2.1 million Euros, representing a 6.6% change. The year-end Equity values for the respective years are 34.7 million Euros in 2025, 31.7 million Euros in 2026, and 29.6 million Euros in 2027.

*Future dividents are not included in prediction