mBank is the only bank in Poland with successful track record of rolling out its online retail banking model into foreign markets.
We currently operate in three markets: Poland since 1986, and since 2007 also in the Czech Republic and Slovakia. In both neighbouring countries, we started our activities with transactional products and deposits for retail customers. Then, on the basis of the created relations, we also introduced mortgage and consumer loans as well as a mobile application.
The leading role of mobile and internet banking provider is supplemented by comprehensive service in the branches. Retail branches network covers 325 various outlets whereas corporate network comprises 46 points of service, additionally supplemented by branches of mBank Group subsidiaries. We continue to expand our branches network in order to maximize comfort of cooperation with the clients. When contacting the consultants in the branches, clients can not only use products and services of mBank Group, but also install and learn to use mobile and internet banking.
Depending on their needs, our clients can take advantage of full product offering and cash services in traditional mBank’s branches. Comprehensive portfolio of more sophisticated financial products, such as mortgage loans and corporate funding, is available also in financial centres and agency service points of mFinanse. In the advisory centres, both individual and corporate clients are served, who can also use the services of mBank Group’s subsidiaries, including Wealth Management. The light branches are dedicated to distribute basic financial products and provide clients with cash services up to defined limits. mKiosks, located in the shopping malls, allow clients to familiarize with mBank’s offer, open an account and draw non-mortgage loan.
Bearing in mind comfort of our clients and best availability of our services, in 2018 we opened 25 new points of contact within retail banking network, marking mBank’s availability in smaller towns. We are the only big commercial bank in Poland expanding its physical branch network. This decision results mainly from the strategy of organic growth and a remarkable potential that we see in the direct contact with our current and potential clients.