We assume that in the short-term and mid-term horizon, that is until 2020, no major changes will occur in the market, competitive and regulatory environment. The macroeconomic situation will still be favourable to the industry, and the sector’s consolidation will continue. Although mBank Group does not rule out acquisition, it is consistent in pursuing organic growth.
The banking market will continue to see strong development of the mobile payment segment. mBank employs digital channels for sales and client acquisition to a greater extent than competing banks in Poland, which have historically developed a more traditional outlet-based distribution model. We stick to the rule “mobility first”, which reflects our mission to provide clients with user-friendly and multi-channel access to services. We take every effort to ensure that our clients want to stay with mBank “forever” and recommend it to their friends and family, being satisfied with its services. mBank Group will strengthen its key competitive advantage, supporting the ongoing IT and digital initiatives which streamline and automate internal processes that are important to clients.