Our Vision

Our Vision

Our vision is for Citi Handlowy to be the preeminent banking partner for clients with cross-border needs and aspirations. As the most global bank in Poland with 155-years experience in the local market, we want to enable growth and economic progress of the country.

PATH FORWARD

  • Supporting companies in their multinational journey

  • Leading transformative deals

  • Accelarating economic growth of Poland

  • Applying cutting-edge global technology

Elżbieta Czetwertyńska

Elżbieta Czetwertyńska
Citi Handlowy CEO

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With this transaction, we are executing an important step in our strategy to be the preeminent banking partner for clients with international needs and aspirations, with a focus on financing the country’s strategic priorities such as defense financing and energy transition. The announced exiting of the consumer business paves the way for the acceleration of our corporate banking business’ goal to enable growth and economic progress.

ENSURING A STRONG DIVIDEND-PAYING FUTURE AND EFFICIENCY

ROE
(2027)
~19%

ROA
(2027)
~2,6%

C/I
(2027)
<30%

Dividend payments
of net profit
75%-100%

Strenghtening market position in Institutional Banking

  • Financing defense investments

      From 2025, increased defence spending of Poland is to amount to 5% of GDP, and the value of funds in the Armed Forces Support Fund by 2027 is to exceed PLN 300 billion. Citi Handlowy has dedicated solutions for financing long-term defense contracts, solutions for hedging the risk of financing such projects and the possibility of supporting the government in organizing debt issues for defense financing.

  • Energy transition

      Polish's energy transition requires expenditures of up to PLN 900 billion by 2040. We will provide various forms of financing for the development of capital-intensive energy projects, offer financial risk management and foreign exchange, and leverage Citi's global expertise to support clients in the energy sector.

  • New Economy Clients

      We will be more committed to fast-growing companies in the technology, e-commerce and fintech industries. We offer our technological advantages, solutions for instant payments and processing of high-volume transactions, as well as the security of the solutions we offer.

  • Modern platforms and infrastructure

      We implement Citi's state-of-the-art global solutions, thanks to which companies with international ambitions can manage their finances even better in the markets in which they operate. They can use the global online banking system, integrate their own systems with the bank's systems, and use platforms to handle trade. Later this year, the bank will introduce a new version of its electronic platform for managing foreign exchange transactions – Velocity 3.0, which is a gateway to global financial markets for clients.
Strategic directions Citi Handlowy for 2025-2027

Strategic directions for
Citi Handlowy 2025-2027

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Sustainable Strategy for 2025-2027

  • Sustainable Finance

    Sustainable Finance

    With our knowledge and experience, we aim to become a trusted partner for our clients in the process of sustainable transformation

  • ESG Risk Management

    ESG Risk Management

    By integrating ESG factors and enhancing our ability to adapt climate change, we are building the bank's resilience

  • Sustainable Operations

    Sustainable Operations

    By transforming our business in the course of sustainable development, we share knowledge and inspire our stakeholders