S&P Global Ratings has revised mBank’s rating outlook to positive from stable, while affirming the Bank’s long- and short-term issuer credit ratings at ‘BBB+/A-2’. This is another signal of growing market confidence in mBank - following last year’s exceptional development, when all three global rating agencies (S&P, Moody’s and Fitch) upgraded their assessments of the Bank.
Cezary Kocik, CEO, mBank.
S&P’s decision to revise our outlook to positive is a strong confirmation that we are on the right course: we have been consistently reducing risks, strengthening our capital foundations and improving the predictability of our results. Today, mBank is ready to grow together with our clients - and to do this responsibly, without an excessive increase in risk appetite - said Cezary Kocik, CEO, mBank.
S&P’s decision – highlights
- a reduction in legal risk costs related to foreign-currency mortgage loans to approx. PLN 2.0bn in 2025 from PLN 4.3bn in 2024;
- net profit of PLN 3.5bn in 2025 and ROE of 17.9%;
- solid asset quality, reflected in the non-performing loans indicator.
“Full Speed Ahead!” strategy: growth, efficiency and a return to dividend payments
Pascal Ruhland, Vice President of the Management Board and CFO, mBank.
S&P points to the increasing resilience of our profitability and the diminishing relevance of CHF-related legal risks. For investors and business partners, this is a clear message: mBank stands on solid foundations, and the positive outlook reflects confidence in our ability to deliver strong performance while maintaining robust capital buffers - commented Pascal Ruhland, Vice President of the Management Board and CFO, mBank.
Another step forward: a positive outlook
Krzysztof Drozd
Senior media relations specialist