mBank (MBK) CMD 2025 summary

Strategic vision and growth ambitions

• Aims to exceed 10% market share in loans and deposits across retail and corporate segments by 2030, focusing on organic growth, digital-first approach, and leveraging a strong demographic profile and client base.

• Strategy is built on three pillars: lifecycle-based growth, customer excellence, and organizational excellence, integrating sustainability and employee engagement.

• Plans to triple net profit by 2030 compared to 2024, with return on tangible equity above 22% and cost-to-income ratio below 35%.

• Targets international expansion, especially in Czechia and Slovakia, aiming for 1 million active customers and doubling loan and deposit volumes by 2030.

• Integrates sustainability goals, including net-zero commitments and increased sustainable finance allocation.

Retail and corporate banking initiatives

• Focuses on deepening relationships with existing clients, especially affluent and SME segments, aiming to double active affluent clients and SME credit customers by 2030.

• Introduces digital financial health tools, targeting 50% of clients to be financially healthy by 2030.

• Corporate banking will pursue a hybrid model combining digital, remote, and offline channels, with a goal to reach 10% market share.

• Six key sectors identified for corporate growth: energy transition, green economy, localization, automation, demographic shifts, and defense, with sustainable financing share to rise from 11% to 15% by 2030.

• Expanding digital and hybrid service models for both retail and corporate clients, including 24/7 banking and instant payments.

Technology, innovation, and operational excellence

• Major upgrade of core banking systems completed, enabling 24/7 operations and advanced digital services.

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

• Mobile banking app to be significantly upgraded with personalized navigation, instant feedback, and a conversational AI assistant capable of executing over 200 actions.

• Aims for top-3 ranking in mobile app rating and net promoter score (NPS), with over 90% customer effort score.

• Focus on cybersecurity, AI-driven risk management, and automation to boost efficiency and trust.