mBank

mBank Group conducts business based on the universal banking model. Thanks to this, both individual customers as well as small enterprises and large corporations can enjoy a consistent and comprehensive offer. We want to be a partner and support for our customers in every aspect and moment of their lives. It offers retail, corporate and investment banking as well as other financial services such as leasing, factoring, financing of commercial real property, brokerage operations, wealth management, corporate finance and advisory in the scope of capital markets. Services provided under mBank logo are marked with different colours, depending on the target group of the offer.

Our way of thinking about banking is shaped by digital DNA, that is in the centre of mBank’s business model. It affects all internal processes, product development and the tools through which customers use our services. Digital DNA is directly related to intellectual capital – we observe the development of technology by adapting the latest developments and moderating innovations within the Bank.

We are developing technology, but the focus of our attention is always on people and their needs. We consider how our solutions interact with our employees, partners and, most importantly, with our customers. This element of our business model – Human Experience – is based on the identification of their real needs. It reflects our values, that consist of:

mBank’s widely recognised operational excellence is based on the state-of-the-art user interface for online banking, next-generation mobile application, video banking, as well as real-time, event-driven customer relationship management (CRM) based on client behaviour patterns. The whole product offer is centred around the current account with a broad spectrum of financial services accessible in just “one click”. This way, we implement the strategic aim of mBank to be the most convenient transactional bank on the market. Our internet platform available to clients is modern, convenient, easy-to-access and user-friendly. We have also been systematically expanding our mobile application to provide customers with the possibility of managing their finances wherever they are. Giving priority to users’ comfort, mBank regularly improves its offer and thus remains at the forefront of institutions introducing new solutions, such as BLIK, Google Pay and Apple Pay payments. mBank has been accompanying its customers in their everyday lives for 18 years now, providing a wide range of additional services based on online or mobile banking. These involve, among others, the possibility to create a free-of-charge trusted profile in mBank’s transactional platform in order to handle administrative matters online in the public administration services, and the possibility to submit an application for the “Family 500+” benefit online, as well as mOkazje (mDiscounts).

mBank’s offer includes loans, savings, investment and insurance products as well as other solutions dedicated to enterprises. The comprehensive offer makes it possible to more effectively address specific requirements of particular groups of customers. At the same time, the coherent business model in all of the mentioned areas enables clients’ to easily move between segments, which allows mBank to support their professional and personal development at all stages.

mBank Group aims to build a partnership with corporate customers, which is based on high quality relations, comprehensive advisory and a good understanding of the specifics of the business  of recipients of our products. We support entrepreneurs from the very beginning of their professional path, enabling them to launch their business with mBank online or in the bank’s branch and offering them a package of kick-off services such as financing, accounting and currency services or terminals. Big enterprises and international corporations successfully use the integrated range of commercial banking solutions, with particular focus on the advanced platform of transactional banking. This comprehensive product offer is complemented by investment banking services, such as equity capital management (ECM), debt capital management (DCM) and mergers & acquisitions (M&A) advisory services.

The Corporates and Financial Markets segment serves 23,706 corporate clients including large enterprises (K1 – annual sales exceeding PLN 1 billion and non-banking financial institutions ), mid-sized enterprises (K2 – annual sales of PLN 50 million – PLN 1 billion) and small enterprises (K3 – annual sales below PLN 50 million, full accounting) through a network of dedicated 46 branches.

mBank’s retail banking, which has been developed for 19 years, is now used by 5.7 million individual clients and microenterprises in Poland, the Czech Republic and Slovakia online, directly through the call centre, via mobile banking and the branch network.

The subsidiaries of mBank Group offer a complex service for the customers and allow for processes optimisation and achieving various business targets.

The structure of mBank Group from the perspective of segments and business areas is presented below:

mBank Group (including consolidated subsidiaries) as at the end of 2018 was composed as presented on the diagram below. We marked in red the key entities – from the perspective of the offer addressed to customers – for the Group’s operations.