for new investors
Full speed ahead!
strategy of mBank Group for 2026-2030
mBank Group’s strategy for 2026–2030 will focus on further strengthening of mBank’s role as an institution that simplifies finances and supports clients in achieving their individual and business goals. The declaration “Simplifying finances, helping bring goals to life” together with the strategy motto “Full speed ahead!” express the long-term vision of mBank Group and its aspirations for growth and for building a leading position in the financial services market. The strategy is designed to consistently respond to client needs at every stage of their life or business development, while leveraging mBank’s proven and well-functioning model of organic growth, supported by its distinctive organisational culture, built on entrepreneurship, innovation and employee engagement.
strategy materials
key strategy pillars
mBank Group’s strategy for 2026-2030 is built on three pillars that form a coherent and complementary framework.
strategic financial targets of mBank Group for 2026-2030
dynamic volume growth
≥ 10%
market shares in key products
high profitability
> 22%*
return on tangible equity (ROTE)
excellent operating efficiency
≤ 35% and be in top 3 among Polish banks
cost/income ratio
active risk management
∼ 0.8%
cost of risk
strong capital position
minimum 2.5 p.p. above the regulatory requirement
CET 1 capital ratio
regular dividend payment
30-75%*
dividend payout ratio
*Might be lower, if increased taxation of banks is implemented
Return on Tangible Equity (ROTE) – calculated by dividing net profit/loss attributable to owners of the Bank deducted by the coupon on AT1 bonds by the average tangible equity, which is total equity deducted by planned dividend for the current year, intangible assets (including goodwill) and by AT1 instruments