Our intellectual capital is composed of:
- intellectual property such as patents, copyrights, licences, algorithms, digital platforms, applications and other software;
- intangible assets related to mBank’s brand and reputation (quality standards, brand identification standards, rules of good communication with clients).
Our intellectual capital makes mBank one of the world’s top client-centric IT organisations. We will continue on this track. Intellectual capital is the source of our present and future competitive advantage.