our strategy

Environmental (E), Social (S) and Governance (G) aspects are an integral part of mBank Group’s business strategy for 2021–2025.

our ESG actions

By 2025, we want to make progress on the ESG agenda and gain the position of a distinguished market player. We have set out strategic directions for the coming years in three dimensions: environmental, social and corporate governance. We have defined objectives and key indicators for each pillar.

environmental (E)

Our role: actively engaging with clients to shape the future of green financing and energy transition. At the same time, we are fully committed to implementing sustainable practices in our day-to-day operations.

ENVIRONMENTAL PILLAR
Strategic objectives	Target values and indicators	Achievement in 2025
Reduce the greenhouse gas emissions of the credit portfolio, using SBTi to achieve net zero emissions.	Transform the credit portfolio to achieve net zero emissions by 2050.	We published Transition Plan of mBank Group based on the verified SBTi targets. We are the first bank in Poland whose decarbonization commitments have been positively verified by SBTi.
	Decide on the portfolios to be covered by SBTi and methods of their decarbonisation.
	Submit decarbonisation targets to SBTi for official validation by 30 September 2024.
Be a partner for clients by offering products and services that stimulate their sustainable and “green” activities.	Provide PLN 10 billion of “green” financing (for renewable energy sources, decarbonisation, circular economy, electromobility, etc.) by the end of 2025, including PLN 5 billion from mBank and PLN 5 billion from other sources, such as consortia and green bond issues for clients.	We delivered PLN 22 billion of sustainable financing: PLN 10.7 billion of financing provided directly by mBank and mobilised capital in the amount of PLN 11.3 billion.
	Increase the annual sales of mortgage loans for real estate in accordance with NZEB-10% (Nearly Zero Energy Building) to 14% of all mortgage loans granted by mBank (by volume) in 2024 and to 18% in 2025.	The share of mortgages for energy-efficient houses and apartments accounted for 17,2% of total sales.
	Offer at least 50% of investment solutions which promote environmental or social characteristics (“light-green” products in accordance with Article 8 of the SFDR) within mBank Group by 2025.	75% of our investment solutions within the Group promote environmental or social aspects (and are subject to disclosure requirements under Article 8 of the SFDR).
	Issue “green” bonds on the terms and conditions set forth in mBank S.A. Group Green Bond Framework in the amount of PLN 5 billion by the end of 2025.	mBank issued green bonds with a nominal value of PLN 2.1 billion, and since the beginning of the strategy – with a total value of PLN 9.5 billion.
Reduce own greenhouse gas emissions by decarbonising own operations.	Achieve zero net emissions from own operations by 2040.	SBTi approved our target of achieving net zero emissions from our own operations by 2040. In 2025, the Group's emissions decreased by 17.4% based on location and by 26.5% on the market-based method compared to the base year.
	Use clean energy, with a minimum of 80% of electricity purchased for the bank from renewable sources` from 2023.	The share of energy from renewable sources accounted for almost 98% of consumption in mBank Group and 100% in mBank S.A.

ENVIRONMENTAL PILLAR
Strategic objectives	Target values and indicators	Achievement in 2025
Reduce the greenhouse gas emissions of the credit portfolio, using SBTi to achieve net zero emissions.	Transform the credit portfolio to achieve net zero emissions by 2050.	We published Transition Plan of mBank Group based on the verified SBTi targets. We are the first bank in Poland whose decarbonization commitments have been positively verified by SBTi.
	Decide on the portfolios to be covered by SBTi and methods of their decarbonisation.
	Submit decarbonisation targets to SBTi for official validation by 30 September 2024.
Be a partner for clients by offering products and services that stimulate their sustainable and “green” activities.	Provide PLN 10 billion of “green” financing (for renewable energy sources, decarbonisation, circular economy, electromobility, etc.) by the end of 2025, including PLN 5 billion from mBank and PLN 5 billion from other sources, such as consortia and green bond issues for clients.	We delivered PLN 22 billion of sustainable financing: PLN 10.7 billion of financing provided directly by mBank and mobilised capital in the amount of PLN 11.3 billion.
	Increase the annual sales of mortgage loans for real estate in accordance with NZEB-10% (Nearly Zero Energy Building) to 14% of all mortgage loans granted by mBank (by volume) in 2024 and to 18% in 2025.	The share of mortgages for energy-efficient houses and apartments accounted for 17,2% of total sales.
	Offer at least 50% of investment solutions which promote environmental or social characteristics (“light-green” products in accordance with Article 8 of the SFDR) within mBank Group by 2025.	75% of our investment solutions within the Group promote environmental or social aspects (and are subject to disclosure requirements under Article 8 of the SFDR).
	Issue “green” bonds on the terms and conditions set forth in mBank S.A. Group Green Bond Framework in the amount of PLN 5 billion by the end of 2025.	mBank issued green bonds with a nominal value of PLN 2.1 billion, and since the beginning of the strategy – with a total value of PLN 9.5 billion.
Reduce own greenhouse gas emissions by decarbonising own operations.	Achieve zero net emissions from own operations by 2040.	SBTi approved our target of achieving net zero emissions from our own operations by 2040. In 2025, the Group's emissions decreased by 17.4% based on location and by 26.5% on the market-based method compared to the base year.
	Use clean energy, with a minimum of 80% of electricity purchased for the bank from renewable sources` from 2023.	The share of energy from renewable sources accounted for almost 98% of consumption in mBank Group and 100% in mBank S.A.

social (S)

Our role: we support the financial health of our clients and provide inclusive banking services, while building an organisational culture rooted in ESG values.

SOCIAL RESPONSIBILITY PILLAR
Strategic objectives	Target values and indicators	Achievement in 2025
Provide an attractive work environment that ensures diversity, equality and inclusion.	Ensure gender balance in the succession program (at least a 45% representation of both men and women) and reduce the pay gap (keeping it below 5%).	The proportions of women and men appointed as successors in the succession programme stood at 53.2% women and 46.8% men. Pay gap was 2.04%.
Ensure balanced gender representation within mBank Group.	Increase the representation of women in managerial bodies of mBank’s main subsidiaries (including mLeasing, mFaktoring, mBank Hipoteczny, mTFI, and mFinanse) to 40% by the end of 2026.	The share of women in the management bodies of these companies was 41.2%.
Make a positive social impact by fostering financial health and education of our clients.	Continue financial education and promote responsible management of personal finances among clients by increasing the number of users of relevant functionalities in mobile and online services.	We continued to achieve the goal reported to UNEP-FI as part of the Declaration to Promote Financial Health and Inclusive Banking. In the end of 2025, 56% of our customers believed they were financially resilient. As a general partner we participated in the “Amused by economics” project. In 2025, over 140 thousand students took part in the project.

SOCIAL RESPONSIBILITY PILLAR
Strategic objectives	Target values and indicators	Achievement in 2025
Provide an attractive work environment that ensures diversity, equality and inclusion.	Ensure gender balance in the succession program (at least a 45% representation of both men and women) and reduce the pay gap (keeping it below 5%).	The proportions of women and men appointed as successors in the succession programme stood at 53.2% women and 46.8% men. Pay gap was 2.04%.
Ensure balanced gender representation within mBank Group.	Increase the representation of women in managerial bodies of mBank’s main subsidiaries (including mLeasing, mFaktoring, mBank Hipoteczny, mTFI, and mFinanse) to 40% by the end of 2026.	The share of women in the management bodies of these companies was 41.2%.
Make a positive social impact by fostering financial health and education of our clients.	Continue financial education and promote responsible management of personal finances among clients by increasing the number of users of relevant functionalities in mobile and online services.	We continued to achieve the goal reported to UNEP-FI as part of the Declaration to Promote Financial Health and Inclusive Banking. In the end of 2025, 56% of our customers believed they were financially resilient. As a general partner we participated in the “Amused by economics” project. In 2025, over 140 thousand students took part in the project.

governance (G)

Our role: we are developing internal solutions to facilitate the transition towards sustainability, with particular emphasis on resilience of the risk management system and transparency.

GOVERNANCE PILLAR
Strategic objectives	Target values and indicators	Achievement in 2025
Include environmental, social and governance risk in mBank’s risk management system.	Implement ESG in the credit documentation and in the internal capital adequacy assessment process (ICAAP) and carry out a materiality assessment of ESG risk on an annual basis.	We conducted internal climate stress tests at mBank for the first time. In addition, we have assessed the materiality of ESG risks taking into account three time horizons.
Strengthen our corporate governance by taking into account the ESG characteristics.	Ensure that all TOP 100 managers (mBank and main subsidiaries) have ESG objectives set with a weight of 10% in their OKRs (Objective and Key Results).	All of TOP 100 mBank managers included ESG-related objectives with a weight of at least 10%.
Promote transparency and ESG standards among business partners.	Have 70% of eligible partners and suppliers (as part of the centralised procurement process) operating in accordance with the Ten Principles of the UN Global Compact by 2025.	87% of contracts signed under the central procurement process had an appropriate ESG statement.

GOVERNANCE PILLAR
Strategic objectives	Target values and indicators	Achievement in 2025
Include environmental, social and governance risk in mBank’s risk management system.	Implement ESG in the credit documentation and in the internal capital adequacy assessment process (ICAAP) and carry out a materiality assessment of ESG risk on an annual basis.	We conducted internal climate stress tests at mBank for the first time. In addition, we have assessed the materiality of ESG risks taking into account three time horizons.
Strengthen our corporate governance by taking into account the ESG characteristics.	Ensure that all TOP 100 managers (mBank and main subsidiaries) have ESG objectives set with a weight of 10% in their OKRs (Objective and Key Results).	All of TOP 100 mBank managers included ESG-related objectives with a weight of at least 10%.
Promote transparency and ESG standards among business partners.	Have 70% of eligible partners and suppliers (as part of the centralised procurement process) operating in accordance with the Ten Principles of the UN Global Compact by 2025.	87% of contracts signed under the central procurement process had an appropriate ESG statement.

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