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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.
Revenue Growth: mBank delivered revenues of over PLN 9.4 billion for the first nine months of 2025, up 5% year-on-year, with each quarter surpassing PLN 3 billion despite interest rate cuts.
Profitability: Net profit for Q3 was PLN 837 million, down 13% quarter-on-quarter but up 46% year-on-year; return on equity reached 16.4%.
Loan and Deposit Momentum: Core gross loans rose by 11% year-on-year, with mortgage loan sales setting a record in Q3. Deposits grew 4% quarter-on-quarter and 10.6% year-on-year.
Cost Control: Cost-to-income ratio remained below 30% despite higher contributions to the bank guarantee fund and a surge in marketing spend.
Legal Risks Declining: Swiss franc legal risk costs dropped by over 50% year-on-year and are expected to continue declining, with the Swiss franc mortgage portfolio nearly run off.
Capital Strength: The capital buffer was bolstered by bond issuance and retained earnings; CET1 ratio expected to remain well above regulatory requirements.
Sustainability Milestone: mBank published a transition plan with validated 2030 decarbonization targets, the first in Poland to align with the Paris Agreement.
Economic Outlook: Management projects robust Polish GDP growth and strong consumer conditions, with only modest inflation and gradual further rate cuts expected.
