Best operational performance in history

We continued dynamic growth of business volumes and revenues, keeping sound cost discipline and loan loss provisions relatively under control.


Responsible creditor

Starting from April 2019 we decided to limit funding for hard coal and lignite mines. Earlier, we adopted a focused Renewable Energy Sources (RES) financing policy.


mLeasing acquired LeaseLink

Acquisition of fintech specialising in leasing payment service for e-commerce strengthens mLeasing’s position in financing small and medium-sized enterprises.


Growth fuelled by our clients

New strategy constitutes our response to the changing market and regulatory environment as well as anticipated, upcoming trends. Its four pillars: focus on clients, development of our platform and application, continued improvement of operational efficiency, and people making up our organisation – reflect the key elements of our business model.


President of the Management Board of mBank

New strategy

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As a bank, we will be growing organically by constant attracting new clients (especially young and firms) and strengthening our position in the 30-45 age group. We will improve the retention of individual customers by developing products that anchor them in the bank at particular stages of their life cycle. In the corporate segment, we will shape our customer portfolio by anticipating trends and changes in the market environment, while maintaining a high diversification of exposures. We will expand our knowledge of customers in order to more precisely identify and satisfy their needs by constructing a personalised offer. In pursuance of the assumptions of empathy, we will communicate with our clients in an understandable way and distinguish ourselves by the transparency of the offer, including our pricing policy.



We will be constantly improving remote bank access channels and promote digital self-service. We will give the leading role to the mobile application, which will have the same scope of functionality as the Internet banking service, while contact center and outlets will play a supportive role. We will be developing the retail platform by supplementing it with value-added services and the offer of selected partners, including non-financial ones. Focused on providing convenience, ease and speed of use, we will build the best digital banking for corporations in Poland.



We will maintain the technological advantage in the financial sector. We will rely on agile interdisciplinary teams to design and deliver end-to-end solutions. We will modify IT architecture using industry best practices. We will increase the digital self-service of our customers while optimising our sales network. We will improve the operational efficiency of mBank by implementing automation on a large scale and simplifying processes.


Employees and organisation culture

We will ensure that the work environment and its organisation in mBank Group will foster efficiency, cooperation, high engagement and the creation of innovative solutions. We want to make managers think outside the box and inspire development, and employees who seek new solutions and take care of our clients. We will use technology to relieve employees from routine tasks and implement automated tools to facilitate compliance with regulations.


ESG/CSR strategy

For the first time, the ESG/CSR strategy has also become an integral part of the document. As mBank Group, we intend to conduct our business in accordance with the principles of sustainable development. We want to educate, take care of the climate and the environment and promote prosperity.

What will mBank be like?

We will continue to grow organically through the acquisition of young customers and dynamic companies from prospective sectors.

What will mBank be like?

We will build out services based on mobile first approach, increasing our share in sales and services in digital channels.

What will mBank be like?

We will systematically improve our profitability thanks to rising revenues, decent cost discipline and prudent approach to risk management. Favourable changes in the balance sheet structure are going to translate into gradual improvement of net interest margin.

What will mBank be like?

We will maintain to be the most convenient transactional bank. We will provide our clients with fast and easy service, highest security standards and advanced platform. We will appreciate loyalty and personalize clients’ experiences.

What will mBank be like?

We will intensify optimisation, automation and digitisation of internal processes, which will translate into cost savings and increased operational efficiency.

What will mBank be like?

We will accompany our customers throughout their life cycle, designing our products, platform, access channels and service models adequately to their needs.

Thanks to its unique business model and consistently implemented strategy, mBank Group developed dynamically in 2019.

Responsible business


We conduct our business in a sustainable manner and go beyond what we are required by law in the field of activities for clients, the natural environment, employees and society. Our direction are the Sustainable Development Goals (SDGs), i.e. the global goals of sustainable development set by the UN to be achieved by 2030.


mBank educates
Education is understood as continuous development, supporting progress and innovation. We want to be a reliable source of knowledge for our clients about market trends, legal and economic changes, which will be useful for them in a conscious financial management. We will also continue our social education on how to safely use digital banking. Furthermore, we will support the development of mathematical education in Poland through the activities of the mBank Foundation (mFundacja).

mBank cares about the climate and the environment
We are aware of our impact on consumer attitudes. We also recognise our responsibility for the environment, including the climate. We want to encourage our customers to be active and behave in a way to stop and reverse adverse climate and environmental changes. We will pursue an active credit policy towards clients who seek financing for pro-ecological: industrial, infrastructural and housing investments. We will offer special programs for financing of projects e.g. renewable energy installations and issuing of sustainable/green bonds and mortgage (covered) bonds.

mBank promotes prosperity
We want to grow in a sustainable manner, make the world a better place and build the well-being of our stakeholders. Good health is vital in building prosperity, thus we will continue our cooperation with the Great Orchestra of Christmas Charity. We want to have an offer for all social groups, including those at risk of exclusion. We speak about our products and services in a clear and simple language in accordance with mKanon. We are guided by ethical values in our dealings with our customers. We also want to promote equality and diversity, which is why we will be equalising opportunities for women in our organisation and eliminating pay inequalities in the same positions.

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