New Pekao strategy. 700 thousand clients, AI in banking and PLN 9 billion into a green transformation
By 2027, Pekao wants to gain a total of 700,000 new active customers, including Thanks to the wide network of facilities located also in smaller towns, which the bank considers as its competitive advantage. Important financial assumptions include maintenance of the REE index at a level exceeding 18 percent, even assuming a decrease in the NBP reference rate to 3.5 percent. The implementation of this goal is to be possible thanks to the increase in shares in strategic marketstransformation of the revenue structure and maintaining a safe level of risk, with the assumed COR indicator of 65-75 base points in 2027.
The bank also intends to maintain cost efficiency at the level of costs for income below 35 percent. and continue dividend payments of 50-75 percent net profit of strategy each year.
The maintenance of high capital buffers and regular presence on the local and European debt market is also to maintain financial security.
Strategy presented. AI will play an important role
One of the pillars of Pekao development is further digitization of processes and strengthening innovation. By 2027, the bank plans to increase the number of Mobile customers to 4.4 million, and the share of digital channels in the sale of services up to 72 percent.
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In the area of enterprise service 30 percent The sale of loans is to be carried out in remote channels, and the processes in the SMEs, MID and corporate segments are to be digitized in 70 percent. An important element of this transformation will be the development of solutions based on artificial intelligence. The bank announces the creation of the AI competence center, which is to speed up the implementation of tools based on advanced analytics and automation, resulting in an increase in work efficiency by a minimum of 10 percent. in selected areas.
Pekao predicts over A double increase in the number of implemented solutions using artificial intelligenceassuming that up to 80 percent employees will actively use AI in everyday tasks.
Leasing and factoring are also planned
The Bancassurance segment will also be expanded, in which, thanks to close cooperation with the PZU Group, Bank plans to collect in 2027 a gross contribution of PLN 1 billion. In leasing and factoring, Pekao wants to place in the top three institutions operating in this market, while in the service of companies and the public sector he intends to win the position of a leader, focusing on comprehensive banking and insurance solutions supporting the development of Polish enterprises.
An additional priority is Sustainable development and pro -ecological activities. The bank intends to achieve climate neutrality by 2050, and in the horizon of the new strategy plans to allocate PLN 9 billion to finance projects contributing to environmental protection.
However, Pekao's ambitious plans are associated with potential challenges that can affect difficulties in achieving the adopted goals.
Challenges will definitely appear
One of them is the prospect of lowering the NBP interest rates to 3.5 percent, which can negatively affect the interest margin and require efficient management of revenue structure and risk level.
Another challenge will be the implementation of innovative technological implementation and adaptation of artificial intelligence tools in a way that ensures data security. Growing competition in the area of digital services or Bancassurance MIt is also to force even faster pace of development and cause pressure on margins in key product segments.
The scale of digital transformation is also associated with the need to constantly invest in the development of employees' competences. Bank Pekao believes, however, that a wide network of service distribution, combined with advanced data analytics, will enable the implementation of the assumptions adopted and will allow to maintain a strong position in the financial sector in Poland.
