mBank (MBK) CMD 2025 summary

Strategic vision and growth targets

• Strategy for 2026–2030 aims for at least 10% market share in loans and deposits across retail and corporate segments by 2030, driven by dynamic, organic growth and a digital-first approach.

• 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.

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

• Lifecycle-based growth, customer excellence, and organizational excellence are core pillars.

Financial targets and capital strategy

• Expects net profit to triple and return on tangible equity (ROTE) to exceed 22% by 2030.

• Plans to maintain a cost-to-income ratio below 35%, remaining among the top three most efficient banks in Poland.

• Dividend payout ratio to rise from 30% in 2026 to 75% in 2030, with regular payments resuming.

• CET1 capital ratio to be at least 2.5 percentage points above regulatory requirements.

• Loan and deposit volumes to grow faster than the market, with dynamic volume growth in both segments.

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.

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