mBank (MBK) Company Presentation summary

Market position and business overview

• Ranked 5th in Poland by total assets, loans, and deposits, with 8.1% market share in loans and 8.9% in deposits as of September 2025.

• Serves over 5.8 million retail clients in Poland, Czechia, and Slovakia, and 37,400 corporate customers.

• Advanced digital banking platform with 4.1 million active mobile app users.

• Offers a full suite of financial services including retail, SME, corporate, investment banking, leasing, factoring, brokerage, and insurance.

• Listed on the Warsaw Stock Exchange with a market value of EUR 9.0 billion.

Financial performance and efficiency

• Total assets reached PLN 261.5 billion, with net loans at PLN 136.3 billion and deposits at PLN 214.0 billion as of 9M 2025.

• Net profit for 9M 2025 was PLN 2.5 billion, with a net interest margin of 4.1%.

• Cost/income ratio at 30.4% and return on equity (ROE) at 17.3% for the group, 31.6% for core business.

• NPL ratio improved to 3.4% and coverage ratio at 51.5%.

• Tier 1 capital ratio at 14.5%, total capital ratio at 16.7%.

Digital leadership and innovation

• 67% of new clients acquired via digital channels, far above the market average.

• Market share in non-cash card transactions at 12.2% by number and 12.8% by value as of H1 2025.

• Mobile app features include remote account opening, biometric authentication, contactless payments, and a fully integrated marketplace.

• Corporate clients benefit from fully digital onboarding, advanced transactional systems, and remote management tools.