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mBank (MBK) investor relations material
mBank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net profit for the first nine months of 2025 reached PLN 2.5 billion, doubling year on year, with Q3 net profit at PLN 837 million, up 46% year on year but down 13% quarter on quarter.
Revenues for the first nine months exceeded PLN 9.4 billion, up 5% year on year, driven by higher net interest income and robust fee growth despite interest rate cuts.
Return on tangible equity (ROTE) was 20% for the nine months, with Q3 ROTE at 18.9% and ROE at 16.4%–17.3%.
Strategic focus on market share growth, digital innovation, and sustainability, including validated decarbonization targets and a new 2026–2030 strategy.
Legal risk provisions for FX loans declined by over 50% year on year, with continued settlements and a shrinking CHF mortgage portfolio.
Financial highlights
Core gross loans (excluding reverse repo and FX mortgage loans) grew 11% year on year to nearly PLN 134 billion by September; total gross loans to customers reached PLN 139.7 billion (+9.6% YoY).
Mortgage loan sales hit a record PLN 4.6 billion in Q3, up 24% quarter on quarter and 37% year on year; non-mortgage lending was PLN 3.4 billion, up 20% year on year.
Customer deposits grew 4% quarter on quarter and 10.6% year on year, mainly from retail accounts; total deposits reached PLN 214.0 billion.
Net interest income for Q3 2025 was PLN 2,461 million, down 1.4% quarter on quarter and 4.3% year on year; net fee and commission income was PLN 580 million, up 16.2% year on year.
Operating costs increased 3.3% quarter on quarter, mainly due to higher marketing spend; cost-to-income ratio was 29.2%.
Outlook and guidance
Total income for 2025 expected to exceed PLN 12 billion, marking a record year, with stable or modestly declining interest rates anticipated.
2025 is projected as the last year with significant legal risk costs from FX mortgage loans, with further declines expected in 2026.
Focus remains on business expansion, market share growth, and strengthening capital and funding, including planned green bond issuance.
Bank is analyzing new EBA operational risk standards and regulatory changes, which may impact risk-weighted assets and tax rates in 2026.
Investment recovery is expected to continue, with main effects in 2026 due to delayed EU fund disbursements.
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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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