Mbank Sa · GPW:MBK
Mbank Sa — Investor Day (September 2025)
51 slides from Mbank Sa's investor day presentation, Sep 23, 2025
Slide 1: Full speed ahead! Strategy of mBank Group for 2026-2030
Full speed ahead! Strategy of mBank Group for 2026-2030 CAPITAL MARKETS DAY, 23.09.2025
Slide 2: Table of contents
Table of contents 01 Introduction to mBank Group’s new strategy 02 What does "Full speed ahead!" mean for mBank? 03 Three pillars of mBank Group’s Strategy for 2026-2030 04 Financial perspective and targets
Slide 3: Introduction to mBank Group's new strategy
01 Introduction to mBank Group’s new strategy
Slide 4: mBank's business model provides an exceptional starting point for new strategy
mBank’s business model, along with its client base and relationships, provides an exceptional starting point for new strategy We put clients in the centre of all our actions Proven ability of organic growth Valuable client base with Reputable partner for corporates and expanding our revenue share fa
Slide 5: Successful franchise powered by culture, brand, technology and agility
mBank’s successful franchise is powered by unique culture, strong brand, advanced technology and organisational agility We leverage on our organisational strengths and key success factors Highly engaged, motivated Strongest brand on the Polish Advanced technology employees enable above-market bankin
Slide 6: Strong fundamentals place mBank in an excellent position
mBank’s strong fundamentals place it in an excellent position to deliver outstanding financial performance We have overcome the challenges that hindered the bank in the past 5 years Largely reduced legal risk of Actively strengthened capital High underlying profitability, FX mortgage loans evidenced
Slide 7: What does "Full speed ahead!" mean for mBank?
02 What does "Full speed ahead!" mean for mBank?
Slide 8: Market shares of over 10% in loans and deposits as key goal
Market shares of over 10% in loans and deposits across both customer segments is one of our key strategic goals Market shares Total loans Total deposits Mortgage loans HOUSEHOLDS in Poland +1.4 p.p. +2.8 p.p. +0.8 p.p. 6.5% 7.4% 7.9% 5.7% 7.8% 8.5% 7.7% 7.9% 8.4% 2015 2020 06/25 2015 2020 06/25 2015
Slide 9: Profitability and efficiency as backbone of capital return strategy
Strong profitability and operating efficiency will be the backbone of our new capital return strategy Net profit of mBank Group is set to triple over the strategy horizon1 Maintain leading position Competitive ROTE over entire Return to dividend payments by cost/income ratio, remain strategy horizon
Slide 10: Three pillars of mBank Group's Strategy for 2026-2030
03 Three pillars of mBank Group’s Strategy for 2026-2030
Slide 11: Our purpose: Simplifying finances, helping bring goals to life
Our purpose: Simplifying finances, helping bring goals to life. 11 Strategy of mBank Group 2026-2030 – Full speed ahead!
Slide 12: Strategy based on three pillars
mBank Group’s Strategy for 2026-2030 will be based on three pillars 1 Lifecycle-based growth Grow along with our customers, adapt our value mBank’s employees across proposition to their lifecycle and address the entire Group are the engine life stage they are currently in. making the growth possible
Slide 13: Lifecycle-based growth
1 Lifecycle-based growth
Slide 14: Fulfilling customer needs at every stage of life
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will focus on fulfilling customer needs at every stage of life by providing long-term financial products to deepen relationships Evolve beyond being an exceptional transactional bank Our clients profile Savings Digital Inv
Slide 15: Financial planning and well-being of customers
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will take care of financial planning and well-being of our customers comprehensively and encourage healthy financial habits All finances in one place Digital features STRATEGIC GOAL More than Financial health score based o
Slide 16: Customer base: 4.1 million active customers goal
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will appreciate our customers to further strengthen their loyalty and leverage these bonds to make them a primary acquisition source Customer base with strong Join and stay with mBank effortlessly STRATEGIC GOAL in- & outs
Slide 17: Platform approach to accelerate foreign growth
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will leverage a platform approach to accelerate growth in our foreign markets and benefit from internationally-developed innovation Aligned platform development across all countries More active customers means we operate d
Slide 18: Track record with most valuable customers
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We have a proven track record of building and developing long-lasting relationships with our most valuable customers in two areas Successfully growing the affluent segment1 From start-up to high potential business client3 73%
Slide 19: Value proposition for modern affluent clients
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence Best-in-class value proposition for modern affluent clients Gateway to Private Banking STRATEGIC GOAL Daily banking excellence Best offer for key products 1.4 million Including free global ATM, Investment, brokerage, best FX,
Slide 20: Value proposition for high-potential small firms
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence Best-in-class value proposition for high-potential small firms Expanded financing and improved service level for evolving needs STRATEGIC GOAL Extended credit offer New product offer with mLeasing 120 thou. Up to PLN 2 millio
Slide 21: Growth aspirations in corporate banking
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We have ambitious yet sustainable growth aspirations to be delivered thanks to satisfied clients and organisational excellence STRATEGIC GOAL KEY ENABLERS >10% Long-term business growth Focus on sustainable and transition fin
Slide 22: Hybrid service model for corporate clients
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will develop unique hybrid service model based on professional relations with corporate clients backed by technology Virtual Branch: Best expertise KEY FEATURES full-service banking 100% remote and advisory Self-service Co
Slide 23: Growth strategies for three corporate client segments
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will pursue clear growth strategies towards all 3 corporate client segments and transform credit process to unlock the full potential Maximize growth potential by applying defined approach STRATEGIC GOAL for each client se
Slide 24: Corporate credit expansion and sustainable financing
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will continue corporate credit expansion based on the growth streams and lead in providing sustainable financing Our strategy is to support the big shifts in the economy STRATEGIC GOAL Energy and technology Digitization an
Slide 25: Investment banking offer and Commerzbank cooperation
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will expand our investment banking offer and build on cooperation with Commerzbank to deliver more cross-border value to our clients Structured finance CEE/DACH private equity Cross-border growth and private equity and fam
Slide 26: Customer excellence
2 Customer excellence
Slide 27: Seamless experience in mobile application
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will provide delightful, seamless experience in mobile application to radically simplify day-to-day financial life of our customers New mBank’s mobile application: STRATEGIC GOAL Simple, intuitive and responsive with engag
Slide 28: Conversational banking and AI-powered assistant
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will launch conversational banking and AI-powered assistant to satisfy preference of younger generations and enhance interactions Our assistant will help in AI Assistant AI Assistant AI Assistant executing over 200 unique
Slide 29: Personalized digital experience for corporate customers
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will deliver more personalized digital experience for corporate customers by revamping our mobile application and online banking To create unified, hybrid service for corporate clients, STRATEGIC GOAL we will enhance our c
Slide 30: 24/7 banking availability
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will set new standard of availability for the clients by ensuring 24/7 banking to meet growing expectations for real-time access Replatforming of core banking systems provides solid foundation for future developments Imple
Slide 31: Leadership in security against cyber threats and frauds
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will reinforce our leadership in security through a comprehensive system protecting clients against cyber threats and frauds Be a source of trust in a digital world Boosting Antifraud Building cybersecurity solutions aware
Slide 32: Organisational excellence
3 Organisational excellence
Slide 33: Adoption of Gen AI solutions
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence We will continue adoption of Gen AI solutions to streamline internal processes and elevate efficiency across the entire organization Deep customer understanding Customer advisor support Analytics on large-scale customer inter
Slide 34: Unique culture and committed employees
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence mBank’s unique culture founded by exceptionally committed employees will enable us to deliver the above-the-market growth Generation of value for our customers starts in engagement of mBank’s teams Our people make That is why
Slide 35: Culture, best talent and digital HR
1 Lifecycle-based growth 2 Customer excellence 3 Organisational excellence With the continued focus on culture, best talent and digital HR, we will bring our business goals to life and ensure a skilled, engaged workforce mBank to be the best place to work mKULTURA BEST TALENT DIGITAL HR to attract a
Slide 36: Financial perspective and targets
04 Financial perspective and targets
Slide 37: Loan volumes growing faster than the market
Loan volumes of mBank Group will be growing faster than the market in both business segments Development of retail loans Development of corporate loans STRATEGIC GOAL Dynamic PLN billion PLN billion CAGR CAGR volume growth +12% CAGR +7% +5% CAGR +10% +15% +5% ≥ 10% 62.4 54.3 market share 70.6 74.1 i
Slide 38: Deposit volumes growing faster than the market
Deposit volumes of mBank Group will be growing faster than the market in both business segments Development of retail deposits Development of corporate deposits STRATEGIC GOAL Dynamic PLN billion PLN billion CAGR CAGR volume growth +10% ≥ 10% CAGR +4% CAGR +12% +11% -2% +4% 57.7 56.3 market share 14
Slide 39: Revenue trajectory and cost discipline
Upward revenue trajectory and proven cost management discipline will assure mBank’s market-leading efficiency to continue Development of total revenues Development of total costs STRATEGIC GOAL Excellent operating PLN billion CAGR PLN billion CAGR efficiency YoY +7-8% +7.4% YoY +4-5% +4.7% 12.2 +2%
Slide 40: Risk management aligned with growth aspirations
Approach to risk management is aligned to support strategic growth aspirations while maintaining the current risk appetite Risk management excellence STRATEGIC GOAL Active risk Intelligent Resilience Efficiency management Growth ~0.8% cost of risk in 2026-2030 Forward-looking approach to Capital and
Slide 41: Capital return strategy as investment case
mBank’s capital return strategy will constitute a compelling investment case Environment shift Dividend to almost quadruple in the strategy horizon STRATEGIC GOAL vs. 2026 level The operating High profitability and regulatory Development of net profit and dividend potential environment will be shift
Slide 42: Fortress balance sheet
mBank’s further development of a fortress balance sheet will add to that compelling investment case Environment shift Transactions to further fortify the balance sheet STRATEGIC GOAL The operating Strong capital and regulatory Capital Markets Transactions Active issuer position environment will be (
Slide 43: Strategic financial targets for 2026-2030
Strategic financial targets of mBank Group for 2026-2030 Dynamic volume growth High profitability Market shares in key products Return on tangible equity (ROTE) ≥ 10% > 22% Might be lower, if increased taxation of banks is implemented Excellent operating efficiency Active risk management Cost/income
Slide 44: Sustainability targets for 2026-2030
We recognize our key role in financing the shift toward a more competitive, independent and resilient economy Our sustainability targets for 2026-2030 Climate Economic Inclusive action momentum by design Developing a resilient business model Financing change and unlocking Shaping a workplace alongsi
Slide 45: Appendix
Appendix
Slide 46: Operating environment provides good growth prospects
Operating environment of mBank provides good growth prospects Strengths of Poland and local banking sector Sizable, resilient economy Inflow of EU funds, public on the continuous growth investments and transition trajectory (6th in the European projects to further stimulate Union) development Well-e
Slide 47: Market trends that may affect mBank Group
Some market trends may affect the business activity of mBank Group Main challenges for Polish banks Demographic changes High uncertainty, geopolitical and ageing of the society risks and market turbulences Regulatory and fiscal burdens, Strong customer-centric instability of the operating regulation
Slide 48: Macroeconomic and market assumptions for strategic planning
Macroeconomic and market assumptions for strategic planning Key economic indicators for Poland 2024 2025F 2026F 2027F 2028F GDP growth (YoY) 2.9% 3.8% 3.7% 3.6% 3.8% Inflation (average CPI) 3.7% 3.9% 2.6% 2.5% 2.5% MPC reference rate (eop) 5.75% 4.75% 4.00% 4.00% 4.00% EUR/PLN (eop) 4.28 4.28 4.40 4
Slide 49: Glossary
Glossary Active customer (Retail Banking) – an individual customer (aged 13+) with a product in Gartners Customer Effort Score (CES) – a metric that measures how easy it is for force, or a customer who has received a transfer / initiated a financial transaction in the customers to perform banking ac
Slide 50: Disclaimer
Disclaimer This presentation is solely for information purposes and is published only to provide information regarding the adoption of the mBank Group’s Strategy for 2026-2030. The Bank emphasizes that the above assumptions and strategic goals do not constitute a forecast or estimate of results, inc
Slide 51: Contact details
Contact details Karol Prażmo Joanna Filipkowska Managing Director Head of Investor Relations for Treasury and Investor Relations +48 607 424 464 +48 510 029 766 karol.prazmo@mbank.pl joanna.filipkowska@mbank.pl Paweł Lipiński Marta Polańska +48 508 468 023 +48 508 468 016 pawel.lipinski@mbank.pl mar