VeloBank has presented its new development strategy for 2026–2028. The plan involves gaining one million new users, integrating with part of Citi Handlowy's retail business, and making artificial intelligence the operational foundation of the institution.

One million new customers

The bank plans to increase its customer base by one million people within three years, half of which is to come from the Citi Handlowy acquisition.

AI as the growth engine

Artificial intelligence is to be implemented in every aspect of operations, from customer service to internal processes.

Doubling of market value

The strategy assumes a twofold increase in the bank's value during the period of the 'Aim Higher' plan.

VeloBank has announced a new development strategy for 2026–2028 under the slogan 'Aim Higher,' which aims to gain one million new customers within the next three years. A key pillar of this ambitious plan is the acquisition of part of Citi Handlowy bank's retail business, which is expected to add about 500,000 people to the customer base. The remaining half of new users is to be gained through intensive organic growth and an innovative offering targeted at individual customers. The institution's management, led by president Adam Marciniak, aims to double the bank's market value during the period of the new strategy. This plan represents the next stage of transformation following the change in ownership, which was finalized in mid-2024.

The foundation of the bank's new vision is to be the broad use of artificial intelligence as a central tool supporting growth and operational efficiency. AI technology will be integrated into customer service processes and the personalization of financial products, which is expected to allow for faster response to market needs. The strategy anticipates a 2.6-fold increase in total assets, with retail banking remaining the main driving force. The bank intends to use advanced analytical algorithms to optimize internal processes and build modern digital channels. According to management assumptions, technological innovations are to be the key to achieving a position as one of the most modern players in the Polish financial market.

VeloBank's current market position is the result of a successful restructuring process and the subsequent sale of the institution to private investors. Since August 1, 2024, the owner of all the bank's shares is the American fund Cerberus Capital Management, acting in a consortium with the European Bank for Reconstruction and Development and the International Finance Corporation. The entry of a global capital player has enabled the bank to aggressively fight for market share, as evidenced by the recently announced expansion strategy. VeloBank was established as a bridge institution following the forced restructuring of Getin Noble Bank carried out by the Bank Guarantee Fund in 2022. This process aimed to protect customer deposits and stabilize the banking sector in Poland after the financial problems of the previous entity. After two years of operation under BFG supervision, the bank was privatized and taken over by a consortium led by the Cerberus fund for an amount exceeding one billion zloty. Currently, the institution is focused on building a modern image and the complete digitization of services. [{"aspekt": "Number of new customers", "przed": "Starting base", "po": "+ 1 million people"}, {"aspekt": "Market value", "przed": "Current valuation", "po": "Doubling of value"}, {"aspekt": "Total assets", "przed": "Current status", "po": "2.6-fold increase"}]

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