In the third quarter of 2025, the mBank Group delivered excellent operational and financial results, continuing its dynamic growth in line with the newly adopted “Full Speed Ahead” strategy. Gross profit reached PLN 1,392.9 million, while net profit attributable to mBank shareholders amounted to PLN 837.0 million. After three quarters of 2025, the Group’s cumulative net profit stood at a record PLN 2.5 billion – the highest result in the bank’s history for the first nine months of the year.
- The normalized cost/income ratio after three quarters was 29.9%, clearly below the strategic target (<35%).
- ROTE after three quarters reached 20.1%, approaching the strategic goal (≥22%), reflecting the high profitability of the bank’s core business.
- Market Share Growth - In Q3, mBank increased its market share in mortgage loans from 8.4% to 8.6%. After nine months of 2025, the bank granted 13% of all new mortgages in Poland, maintaining its position among the top three institutions financing residential real estate.
- The number of retail customers rose to 5.85 million (+38 thousand in the quarter), and corporate clients to 37,375 (+414 new companies), supporting organic growth and business expansion.
- Strong Capital Position - Surpluses above regulatory requirements stand at 4.5 percentage points for the Tier I ratio and 4.7 percentage points for the Total Capital Ratio (TCR), enabling further volume growth and the achievement of transformational objectives.
- Synthetic Securitization - Together with PGGM, mBank executed a transaction worth PLN 3.8 billion, primarily covering financing for renewable energy sources (wind farms, PV installations) as well as projects in health, telecommunications, and other strategic sectors.
New products launched:
- Payment Ring (smartring): The world’s first device combining payment functionality with health and activity monitoring. Available to customers in Poland from October 29. Supports the strategic goal of promoting customers’ financial health.
- Samsung Pay: mBank is among the first banks in Poland to offer this service, now holding the largest mobile payments portfolio in the country.
Awards Confirming Strategic Pillars
- Forrester Technology Strategy Impact Award for EMEA 2025: Recognized for the effective implementation of a comprehensive IT transformation strategy, which completely modernized the bank’s technological infrastructure. mBank is the first institution in Poland’s sector to fully replatform its core systems.
- Best Treasury and Cash Management Bank in Poland for 2025: Awarded by Global Finance magazine.
- Best Digital Bank for SME 2025 in Poland: Euromoney Awards for Excellence.
- Ministry of Finance Award: mBank ranked among the 10 largest CIT payers in Poland.
New Strategy “Full Speed Ahead” for 2026–2030 announced last quarter, the new strategy is built on three pillars:
- Life-cycle based growth
- Customer Excellence
- Organizational excellence
Under the new strategy, mBank aims to achieve a 10% market share in loans and deposits in both segments by 2030, maintain high profitability, retain a leading position in cost/income ratio, remain among the TOP3 most efficient banks in Poland, and resume dividend payments.
Piotr Rutkowski
rzecznik prasowy