
Mbank SA is a Polish bank that has been in operation since 1986, making it one of the country's oldest and most established financial institutions.
The bank's primary focus is on retail banking, offering a range of services to both individuals and small businesses.
Mbank SA has a strong presence in Poland, with over 5 million customers and a network of over 1,000 branches across the country.
The bank's commitment to innovation and technology has allowed it to stay competitive in a rapidly changing market, with a focus on digital banking and mobile payments.
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Financial Information
Mbank SA is a significant player in the market, and understanding its financial information can give you a better grasp of its performance. Its market capitalization is a whopping 31.31 billion PLN, making it a substantial entity.
The average volume of shares traded is around 38.42k, which is a relatively high number considering the market's overall activity. This indicates that mBank SA is a popular stock among investors.
The price-to-earnings (P/E) ratio for the company is 14.00, which is a reasonable figure considering its performance in the past. This ratio can be used to compare the company's stock price to its earnings per share (EPS).
Here's a breakdown of the company's key statistics:
The company's EPS (TTM) is 52.73 PLN, which is a positive indicator of its financial health. This figure is essential in determining the company's valuation and potential for growth.
Mbank SA's P/E ratio has fluctuated over time, with a 52-week high of 756.80 reached on February 19, 2025. This indicates that the company's stock price has been volatile in the recent past.
Products and Services
mBank S.A. offers a variety of products to suit different needs. They have 7 deposits and 5 savings accounts in CZK and EUR.
Their fixed deposits in CZK offer interest rates such as 3.75% for a 0-month deposit and 0.1% for a 12-month deposit.
For those looking to save in EUR, mBank S.A. offers fixed deposits with interest rates like 0.01% for a 0-month deposit and 0.1% for a 12-month deposit in Slovakia.
ICT Spend & Priorities

Understanding a company's ICT spend and priorities is crucial in determining their digital strategy. IT Client Prospector provides intelligence on mBank SA’s likely spend across technology areas.
This information can help you anticipate their IT needs and make informed decisions about product and service offerings. IT Client Prospector provides intelligence on mBank SA’s likely spend across technology areas enabling you to understand the digital strategy.
By analyzing mBank SA's ICT spend and priorities, you can identify areas where your products and services can provide value.
Products and Interest Rates
mBank S.A. offers a variety of products to cater to different needs. They have 7 deposits and 5 savings accounts available in CZK and EUR.
You can choose from a range of fixed deposits in CZK, with interest rates starting from 3.75% for a 0 months deposit.
Their fixed deposits in CZK offer interest rates of 0.01% for a 3 months deposit, 6 months deposit, and 12 months deposit.

In Slovakia, mBank S.A. offers fixed deposits in EUR with interest rates of 0.01% for a 0 months deposit, 3 months deposit, and 6 months deposit.
Here is a breakdown of the fixed deposits offered by mBank S.A. in CZK:
Risk and Compliance
Mbank SA prioritizes risk management, implementing robust systems to identify and mitigate potential threats.
The bank's risk management framework is designed to ensure compliance with regulatory requirements, including those set by the Polish Financial Supervision Authority.
Mbank SA's compliance team works closely with business units to implement effective controls and monitor risk exposure.
The bank's risk appetite is regularly reviewed and updated to ensure alignment with its business strategy and regulatory requirements.
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Bank Identifiers
Bank identifiers are a crucial part of risk and compliance in financial institutions. They help identify and verify the authenticity of transactions, customers, and financial institutions.
SWIFT codes, for example, are used to identify banks and financial institutions worldwide. They are typically 8-11 characters long and consist of a combination of letters and numbers.

In the United States, banks use the ABA routing number to identify themselves. This 9-digit code is used for electronic fund transfers.
IBANs, or International Bank Account Numbers, are used to identify bank accounts in many countries. They typically consist of a combination of letters and numbers and are used for international transactions.
The Bank Identifier Code (BIC) is another type of identifier used to identify banks and financial institutions. It is similar to a SWIFT code but is used for specific transactions.
In the case of the United States, banks use the FRB routing number to identify themselves for Fedwire transactions. This 9-digit code is used to facilitate the transfer of funds between banks.
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Deposit Guarantee Scheme
mBank S.A. participates in the deposit guarantee scheme of Poland, which covers all deposit accounts made by natural persons, legal entities, and covers up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
This means that depositors have a certain level of protection in case the bank fails.
Exposure

Exposure is a critical aspect of risk management, and it's not just about being exposed to risks, but also about understanding the extent to which a company is vulnerable to different material ESG issues.
Our exposure score takes into consideration subindustry and company-specific factors such as its business model, which can significantly impact its exposure.
Management
Understanding a company's management of ESG issues is crucial for assessing its risk and compliance.
A company's management score can give you an idea of how well it's managing its ESG programs, practices, and policies.
For instance, mBank SA has a strong management of ESG material risk.
This suggests that mBank SA has robust ESG programs in place.
It's worth noting that understanding a company's management of ESG issues can help you identify potential risks and areas for improvement.
This can be done by assessing the company's management score and its performance on specific material ESG issues.
By doing so, you can get a better understanding of how exposed the company is to ESG issues and how well it's managing them.
Industry and Market

MBank SA is part of a larger banking industry, and how it stacks up against its peers is an important factor to consider.
MBank SA has a lower ESG risk rating of 13.4 compared to some of its competitors.
The company's industry rank is 87 out of 1024, indicating that it's performing relatively well in its sector.
RHB Bank Bhd. and Concordia Financial Group, Ltd. have higher ESG risk ratings of 23.8 and 26.6 respectively, classifying them as "Medium" risk.
News and Updates
mbank sa has made some exciting announcements in recent times. Mbank to Launch AE Coin as Digital Currency in the UAE, a move that could revolutionize the way we think about transactions in the region.
The company has also been making strides in the IPO upgrade service, with Dubai Financial Market PJSC and mBank rolling out this new service on November 19. This is a significant development for investors and companies looking to upgrade their IPO offerings.

In terms of financial performance, mBank S.A. has reported a return to profit in the third quarter of 2024, with lower costs and higher interest income contributing to this positive outcome. This is a welcome turn of events for the company and its stakeholders.
Here are some key dates to note for mBank S.A.'s recent financial announcements:
Latest News:
In the latest news, mBank S.A. has announced that it will launch a digital currency called AE Coin in the UAE. This move is expected to bring about significant changes in the financial landscape of the region.
mBank's expansion into the UAE is a strategic move to tap into the growing demand for digital currencies. As the adoption of digital currencies continues to rise, mBank is positioning itself to be at the forefront of this trend.
Here are some key dates related to mBank's recent activities:
mBank's efforts to expand its presence in the UAE are expected to have a positive impact on the region's financial sector. With the launch of AE Coin, mBank is set to become a major player in the digital currency market.
Last Transcript:

The last transcript of the meeting revealed a crucial detail about the project timeline.
The team had initially estimated the project would take 6 months to complete, but it was later revealed that the actual timeline was 9 months.
This discrepancy is a common issue in project planning, and it highlights the importance of regularly reviewing and updating project timelines.
The team's lead developer had to rework the entire project plan to accommodate the new timeline, which added an extra 3 months to the project.
This experience taught the team the value of being flexible and adaptable in the face of changing circumstances.
Despite the setbacks, the team was able to deliver the project on time, thanks to their hard work and dedication.
Frequently Asked Questions
Who owns mBank in Poland?
Commerzbank AG has been the strategic shareholder of mBank since 1994. This strategic partnership has been in place for over two decades.
Who is the CEO of mBank SA?
The CEO of mBank SA is Cezary Kocik, who was appointed as the president of the management board in October 2024.
What country uses mBank?
mBank operates in Poland, the Czech Republic, and Slovakia. It offers a transformed user experience through its collaboration with Meniga.
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