Our ESG strategy

ESG Environmental, social and governance aspects play a crucial role in the way we manage our company. As ESG aspects constitute an integral part of our activity, they are reflected and embedded in mBank Group’s business strategy for 2021-2025. At the mid-point of the strategy completion, in December 2023 we have revisited our goals and redefined them from the perspective of their further integration into our priorities, activity, risk and management processes.


We have applied global best practices, exemplified by alignment with the UN Sustainable Development Goals (SDGs), the UNEP FI Principles for Responsible Banking and the Science Based Targets initiative (SBTi).


We aim to:

  • reduce to zero greenhouse gas emissions generated both directly by ourselves and by the credit portfolio we finance
  • support sustainable growth with both financial and non-financial benefit of the society and our clients
  • build credible relationships and strengthen the trust of our stakeholders by acting transparently and in line with ESG values.

Environment (E)

    • Reducing greenhouse gases (GHG) emissions of our loan portfolio, steered by SBTi as the most prominent driver to become net-zero
    • Partnering with our clients by offering products and services to stimulate their sustainable and green activities
    • Limiting own GHG emissions by decarbonizing our operations

Social (S)

    • Providing an attractive work environment that ensures diversity, equity and inclusion
    • Ensuring balanced gender representation at mBank Group
    • Making social impact through fostering financial health and education of our clients

Governance (G)

    • Integrating environmental, social and governance risks with mBank’s risk management
    • Enhancing our corporate governance by ESG aspects
    • Promoting transparency and ESG standards among our business partners      

See our ESG strategy

ESG news

06:38 - 09 March 2024
The mBank Foundation summarised its activity in 2023: more than PLN 3 million allocated to mathematics education and promotion of mathematics more
14:21 - 18 September 2023
Captivated by Economics: mBank teaches economics in schools more
14:36 - 14 July 2023
Listen to Jazgot to avoid being scammed more
12:28 - 07 July 2023
Experts have recognised us for responsible business conduct more
12:23 - 06 July 2023
Our employees boraden their knowledge of responsible business conduct more

Sustainability reports

See our ESG Report 2022

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See our Integrated Report 2021

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Read our other ESG reports

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Sustainable business standards

  • We follow clearly defined rules of conduct, which reflect our ESG values and objectives. We have included them into our codes, policies and internal procedures. They cover the areas of crediting principles, investment services, relations with our clients, employees and business partners, ethical conduct, compliance, corporate governance, and more.


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Our commitments


We have committed to reach clearly-defined ESG objectives and have joined leading organisations, which set standards for sustainable development.

UN Global Compact sustainable business principles

UN Principles for Responsible Banking

Responsible Business Forum’s Diversity Charter




Science Based Targets initiative



Science Based Targets initiative’s (SBTi) methodology for designing our climate neutrality trajectory

PCAF methodology for measuring our credit portfolio’s carbon footprint

UN Commitment to Financial Health and Inclusion

Our achievements

In 2023 Sustainalytics gave us ESG risk rating of 13 points, which means “low risk”

 See our other sustainability ratings, awards and recognitions

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