Alior Bank (ALR) Strategy Update summary

Strategic vision and context

• Announced a 2025-2027 strategy focused on growth, resilience, and operational excellence, aiming to scale up relationship banking and maintain a top-10 position in Poland.

• Leverages strong brand recognition, advanced technology, and robust risk management, supported by PZU Group collaboration.

• Stresses adaptation to demographic, regulatory, and technological changes, and aims to deliver stable returns and dividends.

Growth and business development

• Plans to maintain leadership in consumer finance, expand into new sectors, and scale relationship banking.

• Targets 30% growth in assets and liabilities, with double-digit revenue growth in retail and business segments.

• Seeks to double the pace of business customer growth compared to the market, leveraging digital integration with ERP and logistics systems.

• Aims for 2.2 million relationship customers and PLN 2.6 billion net profit by 2027.

Digital transformation and technology

• Pursues full digital transformation, targeting 100% digital process completion and 60% transaction automation.

• Focuses on a new mobile app, CRM enhancements, and integration with external IT and invoicing systems.

• Implements AI/ML, cloud infrastructure, and automation for operational efficiency.