Alior Leasing, one of the ten largest leasing companies in Poland and part of the Alior Bank S.A. capital group, has presented its development strategy for 2026–2028. The company, which has a strong presence in vehicle financing, particularly in the heavy truck segment, is focusing on operational optimization and on capturing the potential of Poland’s growing investment market.
The announcement of the new strategy comes at a time when leasing plays an exceptionally important role in the Polish economy. According to the SAFE 2025 study, Poland is the EU leader in the use of leasing by small and medium-sized enterprises. As many as 42% of SMEs use this instrument on a continuous basis, which is more than double the EU average.
Strategic goals: efficiency and digital transformation
The company’s new three-year development plan is focused on three key areas.
Scale growth: strengthening direct and bank sales channels in order to increase asset value to PLN 10 billion by 2028, up from PLN 7 billion currently.
High resilience: continuously improving customer satisfaction and achieving a non-performing loan (NPL) ratio below 4.9%.
Operational excellence:
In operations and technology, the goal is to make at least two-thirds of credit decisions automatically.
In people management, the company aims for a significant increase in employee engagement, to at least 50%.
In ESG, the target is to reduce the current scale of paper-based operations by 80%.
In risk and finance, the company plans to maintain a return on allocated capital of no less than 15%.
“Our strategy for 2026–2028 represents an evolution toward a modern institution that combines the traditional stability of Polish capital with the speed of technology,” said Marcin Kuksinowicz, CEO of Alior Leasing. “We are focusing on what matters most to entrepreneurs: easy access to financing, simple online service, and high-quality after-sales support. We want to be seen as a partner associated with transparent rules and an individual approach, one that listens closely to the needs of the SME sector, which in Poland treats leasing as a permanent element of its development.”
A market with growth potential
Market conditions are supportive of these ambitions. In 2025, the leasing industry financed investments worth a total of PLN 119.5 billion, and forecasts for 2026 point to further growth, to nearly PLN 130 billion.
“Leasing in Poland is no longer an add-on; it has become a foundation of investment financing. The fact that more than 42% of companies use it continuously proves the systemic role of this instrument,” said Monika Constant, President of the Polish Leasing Association. “We estimate that in 2026, investment spending financed with EU funds may reach around PLN 182 billion. This will be a strong catalyst for private investment and will create very favorable conditions for the leasing sector.”
Responding to customer expectations
The company plans to streamline and digitize its processes, which is expected to accelerate creditworthiness assessments and credit decisions.
A range of digital solutions will significantly reduce paper usage, allowing Alior Leasing to offer true paperless leasing. This is a direct response to feedback from entrepreneurs. Although satisfaction with leasing services in Poland remains high, with an NPS close to 60 points, customers still point to the need to simplify formalities and shorten processing times at various stages of the leasing journey.
The company’s strategy through 2028 assumes that the path to market success, meaning a stronger position for Alior Leasing in the Polish leasing market, will be based on the development of internal resources and synergies created jointly with Alior Bank.
* SAFE 2025 is a regular survey conducted by the European Commission and the European Central Bank, analyzing access to finance for businesses, with particular emphasis on the SME sector.
