Bank Polska Kasa Opieki Spółka Akcyjna (the "Bank") hereby announces that on 14 April 2025, the Management Board of the Bank adopted and the Supervisory Board of the Bank approved the Bank's Strategy for 2025-2027 "We reach beyond the horizon" (the "Strategy"). Below the Bank presents a description of the main assumptions of the Strategy in terms of the financial and business objectives contained therein.
The Strategy assumes achieving the following financial goals by 2027: 
1. ROE indicator above 18%, 
2. C/I indicator below 35%, 
3. cost of risk in the range of 65-75 bps, 
4. dividend payout 50-75%.
The Bank’s ambition in the 2027 horizon is to be among the most profitable and efficient institutions in the Polish banking sector. 
The Strategy is based on 3 pillars: Growth, Accessibility and Efficiency, within which the Bank has defined 9 strategic directions.
1. In the Growth pillar, the Bank will focus on development in key segments and products, thanks to which the Bank will improve the result and market shares: 
1) supporting the activity of the Bank’s customers with sensitivity to changes occurring in the human life cycle; 
2) using the partnership with the PZU Group, which will allow to build 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 enterprises and microenterprises; 
4) growth of the corporate and enterprise banking business by using the economic momentum and the Bank's industry competences.

2. In the Accessibility pillar, the Bank will make the use of banking services more modern, convenient and tailored to the customer's style: 
5) an integrated customer service model with the highest quality conversational banking and an optimized branch format; 
6) the customer and service quality will be the focus of our attention to make contact with the Bank a friendly experience. 

3. In the Efficiency pillar, the Bank will increase operational efficiency through fast and modern processes and an aspirational organizational culture: 
7) building an effective data ecosystem, including integrated and effective management and financial reporting; 
8) ergonomics of key processes based on continuous improvement; 
9) an aspirational organizational culture supported by dynamism of attitudes, decisiveness and the desire to reach for new solutions.

Attached to this report, the Bank provides a detailed presentation of the Strategy.
The assumptions and goals of the Strategy do not constitute a forecast or estimate of results (including financial results) and refer only to the intended directions of the Bank's operations in the years 2025-2027. 
Legal basis: Article 17 (1) MAR – inside information