mBank is going back to basics with its new strategy that focuses on dynamic growth, technological innovation, and strengthening relationships with clients. The bank is targeting a 10% market share, expansion in key areas and a return to dividend payouts. At the centre of the plans is also is a new banking app supported by an AI assistant. The bank shows that it knows where it is headed and has a solid plan to get there.
No mergers, no acquisitions, no public support. This is how mBank was created. Its name sparks associations with innovation, simplicity, comfort, and limitless possibilities. mBank, the strongest brand in the banking industry in Poland and a leader of technological innovation, has announced its new strategy for 2026–2030. In recent years, mBank, driven by effective capital management initiatives, has regained its full capacity to plan future growth.
We are going back to basics. As we already have the perfect clients, we want to grow with their needs in mind. In a responsible and smart manner. We are ready for it. Having sailed through rough waters, we have arrived at a place where we are ready to unfurl our sails and move full speed ahead
Cezary Kocik, CEO of mBank.
Under the slogan “Full Speed Ahead!” mBank's strategy focuses on building lasting relationships with clients, simplicity, and organisational excellence through the use of advanced technology. In pursuing its new strategy, the bank will also remain committed to the sustainable development goals.
In previous years, mBank demonstrated that, unlike most banks in Poland, it is capable of achieving strong organic growth. It also has a unique client base, with as many as 67% belonging to Generation Z (“Gen Z”) and Generation Y (“Millennials”), a group that makes up only 45% of the Polish population. mBank is also a trusted and valued partner for businesses. This is evidenced by an NPS index of 56%, largely above the market average, which measures client loyalty and their willingness to recommend the brand.
mBank has set an ambitious goal of reaching a 10% market share in loans and deposits in both retail and corporate banking. By 2030, it wants to serve 4.1 million active clients in Poland. mBank’s new strategy is also set to appeal to investors, as the bank plans to resume dividend payouts starting with the 2026 net profit. The payout ratio is to be gradually increased, reaching 75% by 2030.
The bank will aim to achieve a return on tangible equity (ROTE) of more than 22% and maintain a cost-to-income (C/I) ratio of less than 35%, which is expected to rank mBank among sector leaders. Business stability will be supported by a low cost of risk (CoR) of around 0.8%. Moreover, mBank plans to commit PLN 1 billion in sustainable financing annually and offer banking services available 24/7.
The mBank Group strategy for 2026–2030 will be based on three pillars: Lifecycle-based growth. Customer excellence. Organisational excellence.
Retail banking: loyalty, healthy finances and a new quality of relationships
Unlike its competitors, which focus on aggressive client acquisition, mBank will base its growth model on loyalty and deepening relationships with existing service users. Thanks to its favourable demographic structure, with 74% of clients under the age of 46, mBank has natural potential for further volume growth, driven by the rising financial needs of this client group.
In the retail segment, mBank is focused on supporting clients' financial health by promoting a long-term approach to money management.
The strategy “Full Speed Ahead!” is a response to the evolving needs of our clients and a reflection of our ambition to make mBank not just a financial institution offering convenient transactional solutions, but a partner in everyday life. We want to become a bank that accompanies clients not only at the beginning of their financial journey, but also at the key milestones along the way – from their first savings, through buying a house, to planning for retirement. We focus on long-term relationships and quality solutions that support our clients’ goals at every stage of their lives
Krzysztof Bratos, mBank's Vice-President, Head of Retail Banking
mBank has always fostered responsible financial habits among its clients and educated them on how to wisely use a diverse range of banking products. Now, the time has come to continue moving forward. A key initiative in retail banking will be the launch of a financial health assessment/index based on the following six areas: security, smart spending, building a financial cushion, protecting yourself and loved ones, responsible borrowing, and investing for the future. By combining cutting-edge digital tools, such as a personalised financial health index, with expert advice, mBank wants more than half of its active clients to be financially aware and healthy by 2030.
“The demographics of our clients make us unique in the Polish banking industry. We have always been the bank of choice for younger generations, and we are pleased that this continues to be the case. Many of our clients have been with us for a very long time, often they already have children and are running their own businesses. This unique base is also the foundation for further growth and a driver of acquisitions – we will prove that it is worth to be together at mBank” - adds Krzysztof Bratos.
That’s the situation in Poland. However, mBank is one of the few banks in the country that can boast genuine success in developing its business in its southern neighbours – Czechia and Slovakia. This November will mark exactly 18 years since mBank established its presence there. The bank emphasises that, thanks to the consistent development of its platform in all countries, it is well positioned to accelerate its activities on these two markets. What sets mBank’s foreign branches apart? Their focus on acquiring the younger generation, products tailored for students, a friendly and swift account opening process based on electronic identification, and modern payment accessories in the “wearables” category (i.e. devices designed to be worn on the body). It was in Czechia and Slovakia that mBank last year launched payment rings for the first time – a solution that has proved very popular there. And thanks to a unified strategic approach, integrated with retail banking in Poland, mBank will also be able to offer an expanded range of products for affluent clients and small businesses.
Affluent clients and high-potential businesses
Returning to its operations in Poland, mBank has long been successful in building and nurturing lasting relationships with affluent and business clients. As regards the former, 73% have held an account with mBank for over a decade, and more than a third of the wealthiest clients also have a business account. Among start-ups, mBank is the undisputed leader, with a market share exceeding 15%. What’s more, three out of four current business clients started out as start-ups with mBank.
“We know how to build lasting relationships with our clients and support their growth. Many affluent clients have been with us for years – as many as 73% have used our services for over a decade, and our high-potential companies are a true growth driver – 71% of them grew out of start-ups with mBank, and their survival rate is as high as 94%. We will make sure they feel truly valued. Our aim is to increase the number of active affluent clients from 980,000 in 2024 to 1.4 million by 2030. And in the small enterprises segment, with annual turnover above PLN 1 million, we want to raise the number of mBank account holders to 120,000, compared to the 73,000 we served in 2024” – says Krzysztof Bratos.
Leader in sustainable finance and expansion into strategic areas of the modern economy
Given the changes taking place in Poland’s political and economic environment, supporting business development is essential to ensure that companies remain resilient and prepared for the challenges ahead in the coming years. One area where mBank is the undisputed leader is supporting the energy transition. At the end of June 2025, the value of funds allocated to sustainable investments stood at PLN 18.1 billion. For its commitment, mBank has received numerous awards, most recently topping the “Banks for the Climate” ranking by the monthly BANK.
mBank is a standard setter. This has also been the case with financing the energy transition, where we have been among the leading banks for years. But our ambitions are much greater, so now, drawing on our experience, we want to catch the wind in our sails, embank on expansion, and support fundamental transformations in the economy
Adam Pers, Vice-President of the Management Board, Head of Corporate and Investment Banking
mBank’s strategy identifies six growth streams where it aims to support businesses, all tied to economic transformation: energy and technology transition, digitalisation and process automation, economic resilience and localisation of production, sustainable development, circular and sharing economy, health and leisure economy, defence.
“Our goal is to double the share of these areas in our lending portfolio. By 2030, they will account for 40% of our corporate loan portfolio, with sustainable finance making up 15%” - adds Adam Pers.
At the same time, mBank is investing in technological solutions to make everyday business operations easier. For corporate clients, the bank is launching a new version of its online banking platform – mBank CompanyNet – which will become the central hub for managing the banking relationship. It will offer a workspace tailored to business needs, with a new information architecture, intuitive navigation, and personalisation options. This is the cornerstone of mBank’s digital transformation in corporate banking, bringing together technology, data, and relationships into one seamless customer experience.
"mBank also wants to support its clients in going global. We will be a partner in growth – from a small business to international expansion. Thanks to our cooperation with Commerzbank, we can accompany our clients beyond Poland as well" - emphasises Adam Pers.
New app with… a personal assistant
mBank already established an internal incubator last year to develop and introduce solutions based on the use of generative artificial intelligence. The bank has successfully implemented solutions that support employee efficiency in areas such as complaints, data analytics and service quality, as well as solutions supporting corporate advisors.
Our standard will be 24/7 availability, instant payments and resilient infrastructure. The client must have the certainty that the bank always works, without compromise
Krzysztof Dąbrowski, Vice-President of the Management Board, Head of Operations and Information Technology
AI and security
mBank already established an internal incubator last year to develop and introduce solutions based on the use of generative artificial intelligence. The bank has successfully implemented solutions that support employee efficiency in areas such as complaints, data analytics and service quality, as well as solutions supporting corporate advisors.
"GenAI is not an end in itself, but a tool to support key areas of the business, from CRM and HR to sales and after-sales processes, wherever it brings real business value" - adds Krzysztof Dąbrowski.
In line with its “Full speed ahead” strategy, mBank will strive to introduce solutions in the IT area that, among other things, assist clients in financial planning, enable analysts to work with data in natural language, automate summaries of client meetings, and support advisors in handling inquiries and complaints.
Cyber security is the foundation of trust, and at the same time one of the biggest challenges for banks. In this area, mBank plans to implement advanced security measures based on artificial intelligence, multi-factor authentication and mechanisms for immediate reporting of suspicious transactions and fraud. Clients will receive personalised security recommendations, and employees will be offered ongoing educational support with the additional support from the mBank Foundation.
Culture that draws people in
In its strategy, mBank indicates that it aims to be a bank that responds to clients’ needs at every stage of their life cycle. However, the key driving force is its employees.
For years, mBank has been building a unique organisational culture – mCulture, based on employee commitment, innovation and entrepreneurship. The high retention rate, which shows how many employees stay with the company after a certain period of time, as well as above-average results in engagement surveys, confirm that mBank is not just a good place to work, but a community with a mission.
Strategy is executed by people. That’s why we’re investing in talent development, modern leadership and a digital work environment. We want to be the best place to work in the financial sector. And we have all the necessary tools to achieve it
Julia Nusser, Vice-President of the Management Board, Chief People and Regulatory Officer
mBank is implementing a new talent management model based on data, AI and an integrated approach to objectives, feedback and development. The bank relies on leaders to inspire and support teams.
Finance and risk: responsible growth and...
"After years of restrictions related to foreign currency loans, we are ready for growth" - says Marek Lusztyn, Vice-President of the Management Board, Chief Risk Officer.
mBank’s new strategy for 2026–2030 calls for further strengthening of the balance sheet and active risk management, while maintaining a strong capital position. The bank intends to be an active issuer of equity and debt instruments, intensifying the issuance of mortgage bonds as a source of mortgage financing. The Common Equity Tier 1 ratio is to be maintained at least 2.5 percentage points above the regulatory requirement, highlighting the bank’s resilience to changes in the market and in the regulatory environment.
mBank is planning to maintain risk cost at the level of 0.8%, the cost-to-income ratio below 35% and ROTE above 22%.
We are not increasing the risk appetite. We grow responsibly and support our clients and the economy
Marek Lusztyn, Vice-President of the Management Board, Chief Risk Officer
...regular dividend payouts
The chosen growth strategy is an obvious signal to investors. The next five years will bring a return to sharing profits with shareholders. The dividend policy will ensure a balance between profitable business growth, a strong capital position and satisfactory ROTE. The dividend payout is to increase from 30% of net income for 2026 to 75% in 2030. Recently, mBank has shared its 2017 profit with shareholders. And all this while maintaining excellent operating efficiency by keeping the aforementioned cost-to-income ratio below 35%.
Our strategic goal is to be among the three most efficient banks in Poland in each year of the strategy horizon. We have a strong foundation for this and are ready for our business to grow dynamically across all of the aforementioned key products in both corporate and retail banking, with market shares reaching at least 10%,
Pascal Ruhland, Vice-President of the Management Board, Chief Financial Officer
Bank with a mission
In its strategy, mBank presents its mission: to simplify finances and help clients achieve their goals. This is a return to the foundations that shaped the bank – simplicity, boldness and a focus on clients.
"The 2026–2030 Strategy is not just a business plan. We want to be a bank that grows with its clients. Full speed ahead!" concludes Cezary Kocik.