our sustainability targets for 2026–2030
Developing a resilient business model alongside credible transition plan.
climate action
Developing a resilient business model alongside credible transition plan.
net-zero commitment
Maintain our ambition to achieve net-zero in scope 1 and 2 by 2040 and in scope 3 by 2050.scope 1 and 2
Reduce absolute scope 1 and 2 GHG emissions 42% by 2030 vs 2022.scope 3
Achieving a reduction in emission intensity by 2030 (compared to 2022) of:
64% (kgCO₂e/m²) for commercial real estate,
66% (kgCO₂e/MWh) for the energy generation sector,
54% (kgCO₂e/m²) for residential real estate,
47% (kgCO₂e/PLN) for leasing,
10% (kgCO₂e/mEUR) for managed assets.
Lowering the temperature rating of the corporate loan portfolio by 2029.
Details regarding the operationalization of our climate goals can be found in the transition plan
economic momentum
Financing change and unlocking economic potential.
retail
Double the volume of energy efficient (taxonomy-aligned) mortgage loans sales vs 2024.corporate
Allocate 15% of corporate loans engagement to sustainable, transition, and impact finance.finance health
Increase the share of financially healthy active customers to 50%.
inclusive by design
Shaping a workplace for everyone.
pay gap
Work towards eliminating the pay gap with a maximum acceptable limit of 2.5% Adjusted Pay Gap.gender balance
Ensure 40%-60% gender distribution for all managerial positions.
Increase gender balance in the senior bodies of our subsidiaries to achieve 40-60% representation.

Full speed ahead!
Strategy of mBank Group for 2026-2030
The sustainability targets are an integral part of mBank Group’s strategy for 2026–2030.
foundation of our strategy
At mBank, our strategy is built on a foundation of strong values and a deep commitment to sustainable progress. As a financial institution, we recognize our pivotal role in financing the transition towards a more competitive, independent, and resilient economy. We see this responsibility as twofold: enabling the transformation of businesses and industries while ensuring the financial resilience of individuals, particularly in the face of climate adaptation challenges.
Our responsibility extends beyond financing. We are committed to supporting our clients through their transformation journeys – helping businesses innovate and thrive in a changing economic landscape and ensuring individual clients are equipped with the financial security to navigate uncertainties. We aim to accelerate the shift towards a low-carbon economy while strengthening economic resilience across all sectors.
At the same time, we acknowledge that transformation must begin within our own organization. As part of our commitment to responsible banking, we take proactive steps to foster an inclusive and equitable workplace. Addressing pay gaps and ensuring gender balance, particularly in succession planning, are key priorities. We believe that a diverse, empowered workforce is essential to driving sustainable change, both within our bank and in the broader economy.
By integrating these principles into our strategy, we reinforce our role as a catalyst for transformation – supporting businesses, individuals, and society at large in building a more sustainable, resilient future.
strategy for 2021-2025
Find out more about our strategy for 2021–2025.