BNP Paribas Bank Polska (BNP) CMD 2025 summary

Strategic priorities and ambitions

• Launching the Accelerate 2030 strategy, aiming to expand the client base by 1 million net retail clients and achieve 10% corporate loan market share by 2030.

• Focus on scaling up current account market share above 5%, strengthening value proposition for Gen-Z and families, and reinforcing leadership in affluent and private banking.

• Three pillars: expand (client and credit growth), streamline (efficiency and technology), and impact (ESG and responsible banking), with efficiency improvements through digitalization, AI, and cost discipline.

• Commitment to remain a dividend-paying company, targeting a 75% payout ratio by 2030 and doubling dividend per share.

• Plans to drive positive change through sustainable transformation, financing PLN 25 billion in new sustainable loans by 2030.

Financial guidance and targets

• Loan book and net loans to grow at 7% CAGR, revenues at 6% CAGR, and cost base at 4% CAGR from 2024 to 2030.

• ROTE targeted at 22% in 2030, with net profit after tax growing at double digits (+11% CAGR).

• Dividend payout ratio to rise from 50% to 75%, with dividend per share more than doubling by 2030.

• Cost/income ratio to fall below 38% by 2030, with cost of risk normalized at 40 bps and NPL ratio below 5%.

• Tier 1 capital ratio to remain at least 2 p.p. above regulatory minimum.

Business development and innovation

• Digital and AI-powered service model to deliver 20% lower cost-to-serve in retail banking, with mobile-first distribution and optimized branch network.

• Retail: targeting Gen Z and families, enhancing digital channels, and aiming for 8% market share in new cash loans.

• Corporate: goal to be number one in MNCs, expand Polish corporate client base, and lead in sustainable finance, capitalizing on public investments and group synergies.

• SME: focus on regenerative agriculture, decarbonization, and self-service banking, with advanced CRM and instant lending, plus fully remote onboarding and KYC.

• Technology: continued investment in AI, automation, cybersecurity, and core banking transformation for secure, scalable services.