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mBank (MBK) investor relations material

mBank CMD 2025 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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CMD 2025 summary23 Sep, 2025

Strategic vision and growth targets

  • Strategy for 2026–2030 centers on dynamic, sustainable, organic growth, aiming for at least 10% market share in loans and deposits across retail and corporate segments by 2030.

  • Focus on leveraging a young, loyal client base, with 67% from Gen Z and millennials, and deepening relationships across life stages.

  • Expansion in Czechia and Slovakia targets 1 million active clients and doubling loan and deposit volumes by 2030, using a unified platform approach.

  • Emphasis on profitable growth, maintaining a cost-to-income ratio below 35% and return on tangible equity above 22%.

  • Dividend payments to resume from 2026, with a target payout ratio of 75% by 2030 and net profit set to triple versus 2024.

Business model and client strategy

  • Lifecycle-based growth: evolving from a transactional bank to a long-term partner, introducing more savings, digital mortgages, and investment products.

  • Financial health initiatives include a financial health score, contextual tips, and digital planning tools, aiming for 50% of clients to be financially healthy by 2030.

  • Affluent and SME clients are prioritized, with dedicated advisors and expanded product offerings, targeting 1.4 million affluent clients and 120,000 high-potential SMEs.

  • Corporate banking will focus on six key economic trends, including energy transition, automation, and defense, with sustainable financing rising from 11% to 15% of the portfolio by 2030.

  • Platform approach and cross-border cooperation with Commerzbank to support private equity, M&A, and foreign market growth.

Technology, innovation, and operational excellence

  • Major IT modernization completed, enabling 24/7 banking for retail and extended hours for corporate clients.

  • GenAI deployed for conversational banking, customer interaction analysis, complaint handling, and operational efficiency, with in-house, EU-compliant architecture.

  • AI-driven tools support AML, document comparison, and data analysis, aiming to contain operational costs despite rapid growth.

  • Security strategy focuses on cybersecurity, anti-fraud, and broad public education, with ongoing investment in these areas.

  • Hybrid service model combines digital, remote human, and offline channels, aiming for 80% of corporate interactions to be fully digital and end-to-end.

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Frequently asked questions

mBank S.A. offers a comprehensive suite of banking services, including retail, corporate, and investment banking. The bank provides personal and business accounts, loans, digital banking platforms, and asset management services. Its operations span both online and branch-based channels within Poland and selected international markets. The company is headquartered in Warsaw, Poland, and its shares are listed on the WSE.

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