mBank. Mobility icon.

mBank in numbers

mBank

mBank

mBank

mBank

mBank

mBank

bank in Poland in terms of total assets

present on the market

active users of mobile banking

retail clients

corporate clients

present also in the Czech and Slovak markets

 

mBank Mobility icon for all client groups

mBank has been a synonym for innovative banking solutions for years. We were the first fully Internet-based bank in Poland and today we set the direction of the mobile and on-line banking development. We are one of the strongest and fastest growing financial brands in Poland, listed on the Warsaw Stock Exchange since 1992.

The bank started its operation in 1986 as Bank Rozwoju Eksportu (BRE Bank) and over the years it has systematically developed its competencies in the area of servicing various client groups, continuously enriching its offer. After the brand unification in November 2013, when the mBank name replaced not only the name of the company, but also the BRE and MultiBank brands - the bank gained not only a new image, but also new values.
Today we are a universal bank, specialising in servicing all client groups. Acting under the mBank logo, which has different colours depending on the type of the offer, we provide comprehensive services within the scope of retail, business, corporate and private banking.

 


Basic logotype

 

Personal Banking Premium Banking Private Banking Business SME and corporates

mBank Group's history

  • mBank subsidiaries – Dom Maklerski mBanku and mWealth Management were integrated within the Group’s structure.

  • Aspiro, a company providing financial advisory services changed its company name to mFinanse

  • Launch of the long-term cooperation with AXA Group

  • Migration of former Multibank and Private Banking to mBank transactional platfrom. Last brands integration stage under one mBank name.

  • Launch of cooperation with Orange – a retail mobile bank Orange Finanse is created

  • mBank launches a new branch format and invests in changed branch network. Starts with a project of light branches in shopping centres.

  • Start of New mBank – fully modernized transactional platform

  • mBank in a new, visual version

  • All brands of BRE Bank Group under one, mBank sign – unification of brands and rebranding of all Group units: MultiBank, BRE Bank and BRE Private Banking under one name – mBank.

  • mBank, in cooperation with telco operators introduces NFC mobile payment service in its offer

  • A mobile version of transactional services for IOS and Android is launched in Multibank

  • mBank’s mobile transactional platform for iOS and Android is launched

  • Foreign expansion of retail operations, the first branches of mBank are set up in the Czech Republic and Slovakia

  • Start of iBRE, a modern Internet banking system for companies.

  • Launch of Multibank, the second retail arm of BRE Bank.

  • Establishment of mBank – the first Internet-only bank in Poland – completed in just one hundred days.

  • Merger with Polski Bank Rozwoju SA – First takeover in the history of Polish capital market performed as a public call for sale.

  • Poland’s first Private Banking offer is launched – private banking dedicated to clients with high and stable financial capabilities, which needs exceed norms of everyday banking services.

  • Debut on Warsaw Stock Exchange.

  • Receipt of credit line facilities from the World Bank and International Finance Corporation. BRE Bank becomes a member of the international settlement system SWIFT.

  • Establishment of Bank Rozwoju Eksportu.  Sale of bank shares in public offering performed in 1986 was the first transaction of this type in Poland since pre-war.


To help. Not to annoy. To delight... Anywhere

mBank Group’s Strategy for 2016-2020 sets the azimuth in a dynamically changing environment  

Empathy

How to satisfy our clients and make banking friendly?

  • - Offer the best customer experience i.e. give clients what they need just in time they need
  • - Make banking easy
  • - Focused customer acquisition oriented on development of active client base, incl. mBank’s aspiration to acquire 1/3 of the young entering the banking market
  • - Broaden the sources of information about the client to target our offer more precisely

Mobility

How to build a dominant position as a mobile bank?

  • - Be the point of reference in terms of mobile banking
  • - Offer the best (most convenient, hassle-free, intuitive and engaging) mobile application on the banking market
  • - Enhance ‘mobile first’ distribution approach within the multichannel model
  • - Minimize the functionality gap between mobile and internet
  • - Expand base of active mobile app users and sales via mobile channel

Efficiency

How to manage our resources efficiently?

  • - Grow while keeping the FTE base at current level
  • - Increase average revenues per client every year
  • - Enhance assets profitability through an active management of balance sheet structure
  • - Strengthen funding independence through rising volume of covered bonds and clients transactional deposits
  • - Simplify, streamline, automate and digitalise all processes to be a paperless bank

mBank Group's values

mBank for years has been the synonim of innovative, customer-friendly banking solutions. Also nowadays, as the first fully-internet bank in Poland we set the standards of the internet and mobile banking.

  •  

    Read about the values that guide us

    • mBank are mainly people who cooperate with the aim to understand and precisely meet the needs of clients and share the responsibility for their satisfaction. Common values form the basis for the development of organisation and trust in customer relations. A clearly specified model of values (the chart below) is an expression of the internal consistency of the organisation, focused on offering the highest standards of service, as well as setting the direction for actions in increasingly challenging market environment.

 

mBank Group in the financial services market

At the end of 2016, mBank was among the largest Polish banks across all relevant market segments.

Most of the Group subsidiaries also rank high in their respective market segments. The table below presents the market share and the position of mBank and of selected subsidiaries at the end of 2016 compared to 2015 and 2014:

  •  

    Expand to see detailed data on market position of mBank Group's segments

    •  

      Business category Market position in 2016* Market share
      Corporate Banking   2014  2015  2016

      Corporate loans

       

      6,3%

      6,3%

      6,1%

      Corporate deposits

       

      8,8%

      9,8%

      10,1%

      Leasing

      3

      7,4%

      7,6%

      6,9%

      Factoring

      8

      7,9%

      7,8%

      7,3%

      Retail Banking in Poland

       

       

       

       

      Total loans

       

      6,3%

      6,5%

      6,5%

      - of which mortgage loans

       

      7,4%

      7,7%

      7,5%

      - Non-mortgage loans

       

      4,6%

      4,7%

      5,0%

      Deposits

       

      5,3%

      5,7%

      6,1%

      Retail Banking in the Czech Republic

      Total loans

       

      1,2%

      1,4%

      1,4$

      - Of which mortgage loans

       

      1,6%

      1,8%

      1,8%

      - Non-mortgage loans

       

      0,5%

      0,6%

      0,7%

      Deposits

       

      1,3%

      1,4%

      1,6%

      Retail Banking in Slovakia

      Total loans

       

      0,7%

      0,8%

      0,7%

      - Of which mortgage loans

       

      0,8%

      1,0%

      0,8%

      - Non-mortgage loans

       

      0,3%

      0,4%

      0,4%

      Deposits

       

      1,5%

      1,4%

      1,6%

      Investment Banking

      Financial markets

       

      - Treasury bills and bonds

       

      14,8%

      12,8%

      16,2%

      - IRS/FRA

       

      27,3%

      15,4%

      11,5%

      - FX spot and forward

       

      10,9%

      12,1%

      16,1%

      Non-Treasury securities (wartość zadłużenia)

       

      - Short-term debt securities

      4

      8,1%

      6,8%

      9,8%

      - Corporate bonds

      4

      12,9%

      12,4%

      11,5%

      - Bank debt securities**

      1

      34,3%

      36,4%

      34,6%

      Brokerage

       

      - Equities trading

      10

      3,9%

      5,0%

      4,4%

      - Futures

      2

      18,0%

      16,1%

      12,3%

      - Options

      4

      17,9%

      12,8%

      9,7%

      Source: Own calculations based on data from mBank, NBP, WSE, CNB, NBS, Fitch Polska, Polish Factors Association, Polish Leasing Association, press reports.

      * Where determinable.
      ** Excluding “road bonds” issued by Bank Gospodarstwa Krajowego (BGK).
      ** Bez obligacji „drogowych” BGK.

 

mBank Group and the Polish banking sector performance in 2016

mBank Group and the Polish banking sector performance in 2016

mBank’s performance relative to the overall banking sector in 2016 was very strong, as presented in the comparisons of key efficiency and profitability ratios in the following graphs:

  •  

    Expand to see charts

    • Source: Own calculations, based on statistics published by the Polish Financial Supervision Authority (data as of December 31, 2016).