GObeyond STRATEGY
The main objective of the GObeyond’s strategy for 2022-2025 is to continue the dynamic growth of the Bank, which will be an institution that operates efficiently, with engaged employees and satisfied Customers, while being a leader in the area of sustainability.
Targets for 2025
Return on
equity (ROE)
Cost/income
ratio (C/I)
Share of
sustainable financing
Execution of financial targets
-
Return on equity ratio (ROE)
-
16,9 %
2024 execution
-
~ 12 %
2025 strategic target
-
-
Cost/income ratio (C/I)
-
43.2 %
2024 execution
-
max. 48 %
2025 strategic target
-
-
Share of sustainable financing
-
11.6 %
2024 execution
-
10 %
2025 strategic target
-
| Ratio |
2024 execution |
2025 strategic target |
|---|---|---|
| Return on equity ratio (ROE) | 16,9% | ~12% |
| Cost/income ratio (C/I) | 43.2% | max. 48% |
| Share of sustainable financing | 11.6% | 10% |
GObeyond strategy pillars
PILLAR UP
Our aim is to increase the number of Clients served, strengthen our market position and increase revenues.
PILLAR POSITIVE
We aim to be a leader in sustainable finance by developing a range of dedicated products and services for all business lines. It will consistently aim at its own climate neutrality and support its Customers in doing so. Responsibility, accessibility, transparency and ethics will dominate the relationship with Customers. Activities for the benefit of local communities and involvement in education and public debate, will support the building of the Bank’s brand.
PILLAR STRONGER
We improve internal processes and transform the IT area with the use of the latest technologies. We accelerate implementation of new solutions. Our objective is to make quick and cost-effective scalability the basis of our modern digital Bank. We support business development through advanced analytical tools, maintaining a secure and optimal capital and liquidity position.
PILLAR TOGETHER
A new organisational culture that supports employee development, proactivity and creativity, and encourages bold decisions. A committed and satisfied workforce guarantees a high level of Customer satisfaction. We have started operating under the Agile@Scale working model ensuring work-life balance and paying attention to employees’ mental health. We support the development of women and promote diversity.
Key achievements in implementing the GObeyond strategy
Offering high quality banking as well as non-banking products and services as the key to expanding the Customer base in the omnichannel world. Creating an excellent Customer experience by designing customised pathways.
Execution in 2024
-
New products on offer:
- 8% on deposit account – for new Customers who open ROR in a branch
- Start TwojeGO Biznesu – comprehensive support for clients starting their own business
- Plan in Case – Protection for young heroes – insurance for children and young people offered in partnership with BNP Paribas Cardif
- fixed-rate mortgage – for 5 or 10 years for new and existing Customers
- account for Influencers – an added benefit in the form of an innovative Aguard float that, when inserted into the water, collects information about its quality
- Visa tennis card – special offer for tennis fans with a range of benefits, tennis deposit with an attractive interest rate
- credit for the agri-food sector – with interest subsidy, secured by a guarantee from the Agricultural Guarantee Fund Plus in cooperation with Bank Gospodarstwa Krajowego
-
New solutions:
- Envirly Platform: enables carbon footprint management and improves ESG reporting, available to all of the Bank’s business Client
- API Premium: allows the Bank’s business partners to verify and confirm the data of their Clients or contractors
- Cooperation with innovative companies:
- financing of a Polish company Algolytics Technologies – scaleup providing the automation of business processes using Big Data, Machine Learning, Stream Based Modeling
- cooperation of the Bank and BNP Paribas Faktoring with FinTech Monevia – new opportunities for Clients from the small business and microenterprise sector in the field of microfactoring
-
Transformation of the network of corporate centres and separation of homogeneous groups of Customers in order to better adapt the service provided to their needs and specific characteristics
Strategic commitments and their implementation
| Indicator |
2024 execution |
2025 strategic target |
|---|---|---|
|
NPS – Retail Banking and Personal Finance |
6th place |
TOP 3 |
|
% of key processes for individual Customers available via remote channels |
87% |
90% |
|
Number of Customers (individual Customers and micro enterprises) |
4.0 million |
4.5 million |
|
Sales via digital channels (individual Customers) |
64% |
>50% |
|
Market shares in new sales (ROR accounts, cash loans, mortgage loans) |
|
7% |
|
Number of active micro enterprises |
276 thousand |
340 thousand |
|
Number of micro enterprises active in digital channels |
189 thousand |
230 thousand |
|
Maintaining the leading position in the agro segment (share in the loan market) |
24.4% |
>25% |
|
Increase in the number of active food processors [vs 2021] |
+34% |
+30% |
|
Increase in the number of active Customers (Corporate and SME banking) [vs 2021] |
+7% |
>18% |
|
Increase in the number of active international Customers [vs 2021] |
+26% |
>22% |
|
Number of Customers active in digital channels (Corporate and SME banking) |
31 thousand |
37 thousand |
|
Increase in loan volumes (Corporate and SME banking 2025-2021) |
+5% annual average [2024-2021] |
+6% annual average [2025-2021] |
A responsible and reliable financial partner supporting the positive and sustainable development of Customers, business and society. A guide for Clients in a world of sustainable transformation.
Execution in 2024
-
PLN 10.2 billion of sustainable funding at the end of 2024
-
Sustainability-related financing within:
- supporting the energy transition for retail Customers and housing communities (PLN 1.3 billion) under the European Investment Bank programme
- technical support with technical documentation for approx. 850 thermomodernisation investments worth over PLN 340 million under the EFFRB Programme (ELENA for Residential Communities)
- support for sustainable commercial investments (Green Loan) – Olivia Star office building in Tricity, Lakeside in Warsaw, office building in Warsaw for Stena Group, Panattoni Park Szczecin VI industrial park
- Sustainability-Linked Loan – for Groups: CCC, Grenevia, EFL
- financing the construction of a portfolio of photovoltaic projects in Poland worth PLN 113.9 million in cooperation with R.Power
- Co-guarantee programme with the Export Credit Insurance Corporation for companies looking to finance the green transition
-
European Investment Fund guarantee for the Bank providing more than EUR 160 million of financing for SMEs and housing associations in Poland
-
New loans for environmental investments with BGK guarantee: Biznesmax Plus and Ekomax
-
Introduction of a new onboarding process for retail Customers in branches, with a target of saving around one million pages of paper per year
-
143 Customer Centres with “Barrier-Free Facility” certification
Strategic commitments and their implementation
| Indicator |
2024 execution |
2025 strategic target |
|---|---|---|
|
Share of sustainable finance [vs 2021: 4.5%] |
11.6% |
10% |
|
Share of sustainable assets in management [vs 2021: 5%] |
27.3% |
30% |
|
Social involvement of employees (annual average per employee) |
2 hours 3 minutes |
4 hours |
|
Clients’ Centres with the “Barrier-free Facility” certificate [vs 2021: 18%] |
41% |
50% |
|
Reduction of CO2 emissions caused by operations [vs 2019] |
59% |
55% |
|
Reduction in paper consumption (based on paper purchase rate, in tonnes) [vs. 2019: 439.3 t] |
~58% (184.1 t) |
~80% |
The global strength of the BNP Paribas Group and the dynamic technological development combined with the optimisation of E2E processes as the basis for organic growth and high Customer satisfaction.
Execution in 2024
-
First Bank in Poland to use BaseModel.ai, a tool that enables the creation of behavioural profiles that allow the offer to be tailored to Customers’ preferences
-
Provision of Axepta BNP Paribas payment gateway for Shopper Customers: one of the most popular providers of e-commerce solutions in Poland
-
Launch of behavioural protection in the GOmobile app for all Customers
-
A number of activities in the area of technology to strengthen the Bank’s resilience against DDoS attacks
-
Development of the GENiusz Chatbot, based on GenAI technology, with further areas and functionalities to further optimise processes and increase work efficiency (102 use cases based on AI and advanced data analytics)
-
Full credit workflow – introduced in all corporate banking centres, which has significantly reduced credit process times in this segment
-
233 active robots to support Bank operations in the areas of Customer service, HR, billing, risk and compliance (33 implementations in 2024)
-
More than 50% of Bank’s 2023 net profit earmarked for dividend payment – DPS: PLN 3.41
Strategic commitments and their implementation
| Indicator |
2024 execution |
2025 strategic target |
|---|---|---|
|
Total investment in technology by 2025 |
PLN 1.2 billion |
PLN 1.5 billion |
|
Optimisation of all key end-to-end processes 1
|
79 processes |
156 processes |
|
Increase in efficiency of operations [vs 2021] |
+13% |
>10% per year |
|
Number of instances of us of artificial intelligence or advanced data analytics |
102 |
>200 |
- target for process count increased from 38 to 156 according to the new Process Architecture organisation
People first: we focus on people. A committed and satisfied employee guarantees a high level of Customer satisfaction. Agile@Scale and a new organisational culture as the foundation for a diverse and inclusive working environment based on trust, courage and creativity.
Execution in 2024
-
Employee satisfaction – improvement of the eNPS index to 27 (+4 points vs 2023, above the 2025 strategic target of 20)
-
Work-life balance initiatives – 2 Hours for Family/Humanity, 2 Hours for Health, Health Days
-
Community engagement:
- Szlachetna Paczka (the Noble Gift) – Bank a strategic partner of the campaign for the seventh time, 2.7 thousand committed employees, Bank and Customer support in 2024 amounting to PLN ~2 million
- employee volunteering, 2 Earth Hours, Good kilometres, Class – a scholarship and development program
-
Creating a culture of continuous development – LeaderUP: leadership competence model, DevelopAI with Digital Academy, 6th edition of the UniversiITy program, 4th edition of the I can do IT program, 3rd edition of the ESG Academy, #MyWay training offer, #MamToDamTo, 5 years of the BNP Paribas Changing Women development program
-
Implementation of the LeaderUP leadership competence model
-
BNP Paribas Open Talks – regular online meetings between members of the Bank’s Management Board and employees
-
Partnership agreement entitled. “INCLU(VI)SION” with the Activation Foundation supporting the employment of people with disabilities
-
Bank’s first hackathon (AIathon) – building an AI model to identify fraudulent transactions in mobile channels
Strategic commitments and their implementation
| Indicator |
2024 execution |
2025 strategic target |
|---|---|---|
|
Share of women on the Bank’s Management Board [vs 2021: 22%] |
37.5% |
30% |
|
Reducing the pay gap between women and men [vs 2021: 7.3%] |
3.8% |
<4.0% |
|
eNPS – Net Promoter Score of employees [vs 2021: -9] |
27 |
20 |
|
People working within Agile@Scale (in Tribes) |
~1,700 |
>1,300 |
