mBank (MBK) investor relations material

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.