BNP Paribas Bank Polska (BNP) CMD 2025 summary

Strategic priorities and ambitions

• Launching the Accelerate 2030 strategy focused on accelerated growth, efficiency, and sustainability, aiming to expand net clients by 1 million, grow corporate market share to 10%, and finance PLN 25 billion in new sustainable loans by 2030.

• Committed to improving cost-income ratio below 38% and maintaining ROTE at 22% by 2030, with dividend payout ratio rising from 50% to 75% and annual dividends planned.

• Strategy is entirely organic, with no plans for bank acquisitions but openness to fintech investments.

• Focus on scaling current account market share above 5%, strengthening value proposition for Gen-Z, families, and affluent clients, and maintaining a stable SME franchise.

• Commitment to drive positive change through sustainable transformation and responsible growth.

Financial guidance and trajectory

• Loan book and revenues to grow at 7% and 6% CAGR respectively, with double-digit net profit growth projected and dividend per share more than doubling by 2030.

• Cost base to grow at 4% annually, leveraging digitalization and AI for efficiency and FTE reductions.

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

• Revenue growth to outpace costs, driven by both net interest income and non-interest income.

• Net commissions and fees expected to rise faster than net interest income.

Business development, technology, and operational excellence

• 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 strategy targets Gen Z, families, and affluent clients, with a focus on digital solutions and hyper-personalization.

• Advanced CRM, instant lending for SMEs, and fully remote onboarding and KYC processes.

• Continued investment in technology, AI, and cybersecurity to enhance customer experience and operational resilience, with core banking transformation for scalability.

• AI initiatives to optimize costs, automate processes, and enhance risk management.