The strategy of Bank Pekao "…the only way is up!" for the years 2025-2027 is based on three pillars: Growth, Accessibility and Efficiency, within which we have defined 9 strategic directions. In these pillars, we address the strategic adaptation to identified market trends that we want and need to utilize in our daily operations.

By leveraging trends and opportunities and taking advantage of the bank's strengths, we primarily aim to strengthen our market position and maintain high value for our shareholders. The actions taken will be in line with the bank's mission and vision. Our ambition by 2027 is to be among the most profitable and efficient institutions in the Polish banking sector.

ROE >18%

C/I <35%

CoR 65-75 bps

Dividend 50-75%

Mission  
With you for life

We support our clients in their life journey – from the first account to key decisions, from local business to international success. Thanks to the commitment of our employees and intelligent technologies, we combine the hundred-year-old tradition of Pekao with a dynamic view of the future.

Vision
First choice for today and tomorrow

To be a universal, reference bank in Poland – a leader in intelligent financial technologies, supporting customers in their life and business journey. We create a workplace where employee passion and development translate into exceptional customer experiences.

Values
Simply, Together, Boldly, Responsibly, With Determination, Openly, Honestly

We based our strategy on 3 pillars within which we defined 9 strategic directions.

In the Growth pillar, we will focus on development in key segments and products, which will improve our results and market share. 

1. Supporting the activity of our clients with sensitivity to changes occurring in the human life cycle.
2. Using the partnership with the PZU Group and building a position of a growth leader in the bancassurance market.
3. Integrating products from the Pekao Group (leasing, factoring) with responsibility for customer relations - especially in small, medium and microenterprises.
4. Growth of the corporate banking business by taking advantage of the economic momentum and the bank’s industry expertise.
 

In the Accessibility pillar, we will make banking services more modern, convenient, and tailored to the customer's style.  

5. Integrated customer service model with top-quality conversational banking and optimized branch format.
6. Customer and quality of service at the center of our attention to make contact with the bank a friendly experience.

        
In the Efficiency pillar, we will enhance operational efficiency through fast and modern processes and an aspirational organizational culture.

7. Building an effective data ecosystem – integrated and effective management and financial reporting
8. Ergonomics of key processes based on continuous improvement
9. Aspirational organizational culture supported by dynamism of attitudes, decisiveness and the willingness to reach for new solutions
 

Strategy of Bank Pekao for the years 2025-2027 - presentation
Bank Pekao 2025-2027 Strategy - event transmission