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BNP Paribas Bank Polska (BNP) investor relations material
BNP Paribas Bank Polska CMD 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2025 summary11 Dec, 2025
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.
How will the bank achieve 22% ROTE by 2030?
How will AI drive cost-to-serve optimization?
What is the strategy for energy transition financing?
Why is 4% loan growth below GDP forecast?
How to win customers vs. neobanks?
Discuss the impact of new corporate income tax
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Next BNP Paribas Bank Polska earnings date
Q4 202513 Mar, 2026
Next BNP Paribas Bank Polska earnings date
Q4 202513 Mar, 2026
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Frequently asked questions
BNP Paribas Bank Polska S.A. provides a range of banking and financial services to individual, corporate, and institutional clients. The bank’s offerings include retail banking, corporate lending, asset management, and digital banking solutions. It operates as part of the BNP Paribas Group. The company is headquartered in Warsaw, Poland, and its shares are listed on the WSE.
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