Alior Bank: Battling high deposit rates in Poland

With a mainly domestic client base spanning retail, corporate and private banking, Poland’s Alior Bank has to compete with high interest deposit accounts through constant innovation in underlyings and payouts. Hannah Collins talks to Alior’s Joanna Pluta and Marcin Kobus


Alior Bank in Poland has been issuing and distributing structured products to a wide range of mainly local clients since 2009. "The biggest challenge for structured products in Poland are the high interest rates of bank deposit accounts," according to Joanna Pluta, Warsaw-based structured products specialist at Alior. "Sometimes it is difficult to find a payout that is able to compete with the rates that clients can get on a regular deposit account, which can be around 6% annually."

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