BNP Paribas Bank Polska (BNP) CMD 2025 summary

Strategic priorities and ambitions

• Launching the Accelerate 2030 strategy, aiming for accelerated, profitable growth and efficiency, with a net increase of 1 million retail clients and 10% corporate loan market share by 2030, focusing on Gen-Z, families, and affluent/private banking.

• Three pillars: expand (client and credit growth), streamline (efficiency, digitalization, and technology), and impact (ESG and responsible banking), with a focus on scaling up current account market share above 5%.

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

• Efficiency improvements through digitalization, AI adoption, and cost discipline, aiming for cost/income ratio below 38%.

• No plans for bank acquisitions; organic growth prioritized, with selective fintech/startup investments.

Financial guidance and targets

• Loan book to grow at 7% CAGR and revenue at 6% CAGR from 2024 to 2030, with both retail and corporate portfolios contributing equally.

• Cost base to grow at 4% CAGR, targeting cost/income ratio below 38% by 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% by 2030, with dividend per share more than doubling.

• Cost of risk normalized at 40 bps, NPL ratio to remain below 5%, and Tier 1 capital at least 2 p.p. above regulatory minimum.

Business development, innovation, and operational excellence

• Retail: targeting Gen Z, families, and affluent/private banking, 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.

• SME: focus on regenerative agriculture, decarbonization, and self-service banking for efficiency.

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

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