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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.
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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