mBank Reports Record Quarterly Profit, Surpasses 6 Million Clients

mBank achieved a record net profit of 1.06 billion Polish zloty in the second quarter of 2026, marking a 10.5% increase from the previous year and an 11.2% rise from the first quarter. This quarterly profit is the highest in the bank's history. For the first half of 2026, the net profit grew to 2 billion zloty, a year-on-year increase of over 20%. Despite falling interest rates, the group's income remained stable at 6.2 billion zloty, indicating mBank's success in offsetting pressure on interest income through business volume growth.

The bank is also making progress on its 2026-2030 strategy, "Full Steam Ahead," presented last autumn. A key objective is to achieve a 10% market share in each core product group. The bank reported significant progress across segments, particularly in mortgage loans, where its market share rose to 9.1% by the end of June 2026, a 0.7 percentage point increase year-on-year. New mortgage sales in the first half of the year reached a record 10.7 billion zloty, up 74% year-on-year. The total mortgage portfolio for retail clients grew to 56.4 billion zloty, while loans to households reached 84.7 billion zloty, increasing mBank's market share to 8.3% from 7.9% a year prior. The share of retail deposits also increased to 8.8% from 8.5%.

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This is proof of customer trust, allowing us to grow faster than the market.

Strong results were also seen in the corporate segment. Corporate loans increased by 9.8% year-on-year to approximately 64 billion zloty, with new corporate loan sales rising 16% in the first half to 27.3 billion zloty. Business financing also grew rapidly, with corporate deposits increasing by nearly 20% to 65.8 billion zloty. This improved mBank's market position, with its share in corporate loans rising to 8.7% and in corporate deposits to 10.7% from 10% a year earlier.

"In the second quarter, we crossed two important milestones," stated CEO Cezary Kocik. The group's assets grew to 304.4 billion zloty, placing mBank among the top banking sector players in Poland. Simultaneously, the number of clients served across three markets (Poland, Czech Republic, and Slovakia) surpassed 6 million. "This is proof of customer trust, allowing us to grow faster than the market," Kocik added. Finance Vice President Pascal Ruhland highlighted that mBank is scaling its operations without significant employment growth, thanks to its digital operating model. "mBank Group is growing, scaling, and remains highly profitable while maintaining full control over risk," he noted.

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mBank Group is growing, scaling, and remains highly profitable while maintaining full control over risk.