mBank SA
OTC:MBAKF
mBank SA
In the landscape of modern banking, mBank SA stands out as a pioneering institution in Poland, marking its presence since its inception in 1986. Originally known as BRE Bank, it rebranded to mBank in 2013, aligning with the growing digitalization of the banking industry. As one of the oldest privately-owned banks in Poland, mBank has consistently pushed the boundaries of digital banking, becoming synonymous with innovation in the financial sector. Its seamless integration of technology into traditional banking services has captivated a generation seeking convenience, speed, and reliability. Throughout its evolution, mBank has strategically embraced technology to offer a robust suite of online banking services that cater to both individual customers and corporate clients.
mBank SA operates through a business model that primarily revolves around leveraging its digital platform to maximize the efficiency of traditional banking services like loans, deposits, and asset management. Retail banking services remain a significant cornerstone, with revenue streams bolstered by offering mortgages, personal loans, and credit facilities. Simultaneously, the bank's corporate banking division capitalizes on providing tailored financial solutions, including corporate finance advisory, cash management, and risk management services. The synergy between its retail and corporate services is augmented by non-interest income sources such as transaction fees and commissions, creating a balanced income structure. This tech-forward approach not only reduces operational costs but also enhances customer experience, positioning mBank as a forward-looking player in Poland's banking sector.
In the landscape of modern banking, mBank SA stands out as a pioneering institution in Poland, marking its presence since its inception in 1986. Originally known as BRE Bank, it rebranded to mBank in 2013, aligning with the growing digitalization of the banking industry. As one of the oldest privately-owned banks in Poland, mBank has consistently pushed the boundaries of digital banking, becoming synonymous with innovation in the financial sector. Its seamless integration of technology into traditional banking services has captivated a generation seeking convenience, speed, and reliability. Throughout its evolution, mBank has strategically embraced technology to offer a robust suite of online banking services that cater to both individual customers and corporate clients.
mBank SA operates through a business model that primarily revolves around leveraging its digital platform to maximize the efficiency of traditional banking services like loans, deposits, and asset management. Retail banking services remain a significant cornerstone, with revenue streams bolstered by offering mortgages, personal loans, and credit facilities. Simultaneously, the bank's corporate banking division capitalizes on providing tailored financial solutions, including corporate finance advisory, cash management, and risk management services. The synergy between its retail and corporate services is augmented by non-interest income sources such as transaction fees and commissions, creating a balanced income structure. This tech-forward approach not only reduces operational costs but also enhances customer experience, positioning mBank as a forward-looking player in Poland's banking sector.
Record Results: mBank delivered its best financial year ever in 2025, with net profit reaching PLN 3.5 billion and revenues at PLN 12.4 billion.
Strong Loan Growth: Loan portfolio grew by 10% and deposit base rose 14%, both outpacing the market.
Mortgage Surge: Mortgage loan sales jumped 38% year-on-year to PLN 14.7 billion, with fixed-rate mortgages making up over half the portfolio.
Efficiency Maintained: Cost-to-income ratio was 31%, well within the strategic threshold, despite a 13% rise in operating costs.
Legal Risks Diminishing: Provision for Swiss franc legal risk was halved to PLN 2 billion in 2025, with settlements and court cases declining sharply.
2026 Outlook: Management expects stable performance, strong business growth, and Swiss franc legal costs to become less significant.
