GObeyond STRATEGY
The main objective of the GObeyond’s strategy for 2022-2025 was 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)
-
18.7 %
2025 execution
-
~ 12 %
2025 strategic target
-
-
Cost/income ratio (C/I)
-
41.2 %
2025 execution
-
max. 48 %
2025 strategic target
-
-
Share of sustainable financing
-
14.6 %
2025 execution
-
10 %
2025 strategic target
-
| Ratio |
2025 execution |
2025 strategic target |
|---|---|---|
| Return on equity ratio (ROE) | 18.7% | ~12% |
| Cost/income ratio (C/I) | 41.2% | max. 48% |
| Share of sustainable financing | 14.6% | 10% |
GObeyond strategy pillars
PILLAR UP
Our aim was to increase the number of Clients served, strengthen our market position and increase revenues.
PILLAR POSITIVE
The Bank aims to be a leader in sustainable finance by expanding its product and service offering across all business lines. It consistently pursues its own climate neutrality and supports its Customers in doing the same. Relationships with Customers are guided by responsibility, accessibility, transparency and ethics. Actions addressed to local communities, as well as engagement in education and public debate, contribute to strengthening the Bank’s brand.
PILLAR STRONGER
The Bank places strong emphasis on improving internal processes, transforming the IT area using state of the art technologies, and accelerating the implementation of new solutions. Planned investments in this area were set at PLN 1.5 billion by 2025. Fast and efficient scalability was intended to form the foundation of a modern digital Bank. Key goals included: supporting business development through advanced analytical tools; maintaining a safe and optimal capital and liquidity position; and initiating dividend payments during the strategy period.
PILLAR TOGETHER
The Bank believes that engaged and satisfied employees are the foundation of high Customer satisfaction. The organisational culture – supporting employee development, activity and creativity – encourages bold decision making. In 2022, the Bank began operating under the Agile@Scale model. Key initiatives included ensuring work life balance, supporting mental health, promoting the development of women, and fostering 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 2025
-
New products on offer:
- Pupil (My Pet) Card – a themed card for animal lovers, along with a refreshed edition of the special offer for tennis fans: the Visa Tennis Card
- GOdreams – a service offering flexible saving plans together with the account Konto Pełne Marzeń, combining savings tools with support for Customers in achieving their financial goals
- Green Investment Loan – available to new and existing Customers in the micro enterprise segment
- product packages for SMEs (Classic, Comfort and Premium)
- InvestEU backed loan – a new market solution for SME and Small MidCap companies to finance modern technologies, research and development
- expanded cooperation with Shoper – enabling merchants to offer instalment payments through the Bank
- mamGO car financing service available in Bank branches, with display vehicles in 20 selected locations
- biodegradable Mastercard Business World Elite card for business Customers, offering exclusive benefits and functionalities (the first such card introduced by a bank in Europe)
-
Modern solutions:
- Kantox Dynamic Hedging® – innovative and unique solution on the Polish market for Corporate Banking Customers conducting cross border operations, enabling effective currency management and foreign exchange risk mitigation
- GOwadia Plus – an application integrated with GOonline Biznes for handling tender settlement processes
- Development of the GO Biznes ecosystem – a new version of the application featuring an additional module for managing debit, multi currency, charge and credit cards
-
New partnerships:
- pilot launch of a new value‑added service in Customer Centres – InPost Parcel Lockers installed in 24/7 accessible zones
- cooperation with Ryanair – payment processing enabled through the Axepta BNP Paribas payment gateway, allowing passengers to pay using BLIK
- financial cooperation with the retail chains RTV Euro AGD and Media Expert
- partnerships with AFG Electric Motors (a Chinese automotive company responsible for vehicle distribution and sales) and Astara (the distributor of the Nissan brand)
Strategic commitments and their implementation
| Indicator |
2025 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) |
3.7 million |
4.5 million |
|
Sales via digital channels (individual Customers) |
65% |
>50% |
|
Market shares in new sales (ROR accounts, cash loans, mortgage loans) |
|
7% |
|
Number of active micro enterprises |
275 thousand |
340 thousand |
|
Number of micro enterprises active in digital channels |
193 thousand |
230 thousand |
|
Maintaining the leading position in the agro segment (share in the loan market) |
22% |
>25% |
|
NPS – SME Banking |
8th place |
TOP 3 |
|
Increase in the number of active food processors [vs 2021] |
+30% |
+30% |
|
Increase in the number of active Customers (Corporate and SME banking) [vs 2021] |
+5% |
>18% |
|
Increase in the number of active international Customers [vs 2021] |
+31% |
>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% |
+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 2025
-
PLN 13.6 billion in sustainable financing at the end of 2025 (based on Bank’s internal classification)
-
Guarantee agreement with the European Bank for Reconstruction and Development, enabling the Bank to provide loans totalling EUR 100 million for pro environmental investments by retail Customers (the first EBRD financial sector transaction in Poland carried out under the EU InvestEU programme)
-
Sustainability linked financing – selected transactions:
- Green Loan – Polish Logistics (UK) LLP (EUR 31 million), Accolade (EUR 33.5 million)
- Sustainability Linked Loan – for the Woodeco Group (PLN 155 million) and the Iglotex Group (PLN 84.9 million, with BNP Paribas holding a 50% share)
- ESG Linked Factoring – cooperation on the agreement concluded by BNP Paribas Faktoring with Raben Logistics Polska (PLN 140 million)
-
Expansion of the beyond banking offering – cooperation with EcoVadis, Envirly and Klim
-
CO2 emission allowance transactions under the EU ETS system for Corporate Customers
-
144 Customer Centres certified as “Barrier-Free Facility”
Strategic commitments and their implementation
| Indicator |
2025 execution |
2025 strategic target |
|---|---|---|
|
Share of sustainable finance [vs 2021: 4.5%] |
14.6% |
10% |
|
Share of sustainable assets in management [vs 2021: 5%] |
32.1% |
30% |
|
Social involvement of employees (annual average per employee) |
2 hours 40 minutes |
4 hours |
|
Clients’ Centres with the “Barrier-free Facility” certificate [vs 2021: 18%] |
41.5% |
50% |
|
Reduction of CO2 emissions caused by operations [vs 2019] |
61% |
55% |
|
Reduction in paper consumption (based on paper purchase rate, in tonnes) [vs. 2019: 439.3 t] |
~60% (176.9 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 2025
-
Automation and modern technologies enhancing the Bank’s operational efficiency:
- implementation of the One Click cloud computing solution for database space management
- launch of the mass qualified signature service on the Autenti platform
- expansion of GENiusz, the Bank’s GenAI‑based knowledge tool, to include new areas: HR, ESG, Customer Care, Digital Accessibility and Operations
- continued development of GenAI solutions within the IT area
-
Partner of the Startup Booster by Huge Thing acceleration programme, enabling start‑ups to test and develop breakthrough solutions using partner infrastructure
-
First market implementation of e‑receipts, available in Planet Cash ATMs and cash‑deposit machines located in Customer Centres
-
“Cyfrowa Wyprawka” – joining the Polish Development Fund initiative supporting the SME sector in digital transition
-
250 active robots supporting processes in Customer operations, risk and compliance, HR and internal services (35 new deployments in 2025)
-
50% of the Bank’s 2024 net profit allocated to dividend distribution, DPS: PLN 7.86
Strategic commitments and their implementation
| Indicator |
2025 execution |
2025 strategic target |
|---|---|---|
|
Total investment in technology by 2025 |
PLN 1.5 billion |
PLN 1.5 billion |
|
Optimisation of all key end-to-end processes 1
|
114 processes |
156 processes |
|
Increase in efficiency of operations [vs 2021] |
+19% per year |
>10% per year |
|
Number of instances of us of artificial intelligence or advanced data analytics |
99 |
>200 |
|
Dividend payout ratio |
50% |
50% |
- 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 2025
-
Implementation of the Beyond Agile work model in the Retail and Business Banking network and in Personal Finance, combining Agile practices with team self organisation
-
26.6 thousand hours of employee volunteering in 2025 (Capital Group)
-
Support for children and young people in financial and cybersecurity education through the new edition of the Mission Education programme
-
Employee well being initiatives: “Two Hours for Health” campaign and Parenting Days
-
Strategic partnership with the Szlachetna Paczka initiative (for the eighth time)
-
Top Employer Poland 2025 title and the “Neurodiversity Friendly Workplace” certificate awarded by the asperIT Foundation
-
Inclusion for the fifth consecutive year in the Diversity IN Check list, recognising employers most advanced in DEI practices
Strategic commitments and their implementation
| Indicator |
2025 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%] |
3.7% |
<4.0% |
|
eNPS – Net Promoter Score of employees [vs 2021: -9] |
20 |
20 |
|
People working within Agile@Scale (in Tribes) |
~1,600 |
>1,300 |
