Project New mBank

June 2013

Perhaps the world’s most innovative online banking

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Agenda

1. Brief overview of Project New mBank

2. New mBank innovations and design

3. Additional information

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mBank is the biggest polish online bank and part of the third polish

retail banking group – BRE Bank

First Polish pure-play online bank founded in 2000

Currently #3 retail bank and the biggest online bank

Full retail and SME product range available behind

single login

Launched in Czech Republic and Slovakia in 2007

$10,2B deposits & $11,4B loans at the end of 2012

The third Polish banking group with comprehensive

financial offer tailored to the needs of corporate clients,

Private Banking clients, and retail clients

Member of Commerzbank Group

~6 000 employees

BRE Retail banking (mBank, MultiBank, mBank Czech Rep.

& Slovakia) serves total 4,1M customers

11 573 10 514

Loans Deposits

374

Net income

BUSINESS RESULTS

[2012 EOY, M USD]

BUSINESS RESULTS

[2012 EOY, M USD]

Source: BRE Bank Investor Relations, Bankier.pl

• 3,5 M customers

• $8 800 M deposits

• $10 900 M loans

• 0,17 M customers

• $439 M deposits

• $88 M loans

• 0,44 M customers

• $923 M deposits

• $458 M loans

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New mBank – 10 major financial innovations tightly integrated in

perhaps the most modern online banking in the world

• Modern Design and User

Interface

• Personal Finance

Management

• Video chat

• Discounts app on Facebook

• Gamification

• P2P payments

REAL TIME MARKETING

• Real-time and behavioral offers

• Transactional marketing with

merchants

• Transactional banking

• Geolocation

• Mobile payments

FOUR PILLARS OF NEW mBANK

• With >200 team members and budget of

$31 M Project New mBank is one of the

biggest financial startups in Europe and

the biggest innovation-driven project

in Polish retail banking for a decade

• The Project kicked-off in April 2012

• Work has been divided into two stages:

• Phase 1 focusing on online banking

(launched in Jun 2013)

• Phase 2 focusing on mobile banking

(work in progress)

• Strategic partners include Meniga,

Artegence and Accenture

PROJECT DETAILS

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In 14 months joint teams of IT, Business and UX specialists

completely redesigned the online banking platform, introducing

>200 new features

Teams consisting of IT, business

and UX specialists divided into

ten streams worked together on

each part of the project from

designing the scope to launching

the product

1050 hours of UX tests with

clients and potential users

(without UAT and beta tests)

Over 400 final UI/UX models

(over 1700 draft models)

Exploration and innovation analysis

• Trends

• Benchmarks

• Experience from mBank

User Experience strategy

• mBank personas

• User scenarios

• Interaction points

• UI/UX for navigation

Creative concepts

• Designing the interface

• Eyetracking perception analyses

• UX concept tests

Design development

• Navigation and model AI design

• Multiple UX tests

• GUI design

• Interactions and animations

THE PROCESS OF CREATING NEW mBANK THE TEAM

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The launch of Phase 1 in June 2013 was widely acclaimed by the

most demanding reviewers – our Customers

PRE-LAUNCH CAMPAIGN

(April-June)

LAUNCH OF New mBank

(June-now)

• The campaign focused on education and engagement

with innovative functionalities of new online banking

platform. Campaign ran over 7 weeks before launch

• The youtube videos prepared for the campaign were

viewed >600k times, 12x increase in YT activity

• Over 40 ths. customers signed up to obtain access to new

platform

• mOKAZJE, the merchant-funded transactional marketing

platform was launched. It reached >50k Facebook app

installs, making it the third fastest growing app on Polish

FB in May

• The launch of Phase 1 was combined with rebranding of

mBank

• ~200 ths. users signed up to obtain access to new

platform in the first week!

• Most active users of mOKAZJE saved ~230$ over first 2

months – more than users of any competing moneyback

program over a year

• Journalists and experts wrote about New mBank >700

times post launch; >3x more than any other bank

launch/campaign in Poland

Source: mBank

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Our efforts have also been recognized by an international group of

experts at Finovate Europe 2013 - Best of Show Award

• Finovate is the first demo-focused

conference series in financial

technology organized since 2007

• mBank was one of very few banks to

receive the Best of Show Award in the

history of Finovate

• We covered re-designed online banking

and first European implementation of

transactional banking – mOkazje

• Demo showcased contributions of our

key partners: Effigence, Meniga and

Accenture

• Conferences are held in four cities – San

Francisco, New York, London, Singapore

Source: Finovate

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Agenda

1. Brief overview of Project New mBank

2. New mBank innovations and design

3. Additional information

mBank’s re-designed information portal - landing page

Login

Re-invented online banking – landing page

Profile selection – individual or SME

Accounts – PFM enhanced balance history and forecast

Budgets

Deposit wizard – choice through simplicity

Universal statement page – account aggregation, quick search

Google-like quick search feature

Trends analysis

Banking transfers - hub

Banking transfers - domestic

P2P transfers – Facebook or text

Receiving money on Facebook

Address book

Credit and debit card view

Video banking: „Expert Online” – service selection

Video banking: „Expert Online” – advice window

System settings – landing page

System settings– Facebook options

Financial products store: „Market”

Financial products store – product details and purchase

Gamification withing online banking - mGRA

Gamification: „mGRA” – leader board

Logout

Merchant-funded transactional marketing: „mOkazje” - on Facebook

Merchant-funded offers: „mOKAZJE” – cash back statement

Nowymbank.pl – pre-launch campaign HUB 1/2

Nowymbank.pl – pre-launch campaign HUB 2/2

New mBank renders perfectly on smartphones, tablets and… iOS, Android, Windows Phone

… And even on SmartTVs

All that accompanied by bold rebranding

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Agenda

1. Brief overview of Project New mBank

2. New mBank innovations and design

3. Additional information

42

Additional information

Viral videos made to promote New mBank:

Mr Button vol. 1 - http://www.youtube.com/watch?v=HmahAyKp2VE

Mr Button vol. 2 - http://www.youtube.com/watch?v=BU8Xje5WjFw

Rich media campaign:

http://www.youtube.com/watch?v=wyOQmOwPdW4

Press releases: http://media.brebank.pl/en/pr/244083/mbank-is-changing-new-logo-transactional-service-expanded-offer

Other sources:

http://pinterest.com/michalpanowicz/new-mbank-10-most-impactful-financial-innovations-/

http://www.youtube.com/user/mbanktv

Finovate – http://finovate.com/2013/02/finovateeurope-2013-best-of-show-credit-agricole-etronika-mbankefigence-meniga-moven-

pockets-united.html

Forrester - http://blogs.forrester.com/auke_douwe_veenstra/13-02-15-finovate_europe_2013_bank_to_the_future

Banking Tech - http://www.bankingtech.com/66891/finovate-europe-sees-arrival-of-the-old-guard/

PR Web - http://www.prweb.com/releases/2013/2/prweb10445589.htm

ICT Journal - http://www.ictjournal.ch/fr-CH/News/2013/02/14/Huit-innovations-financieres-primees-a-Finnovate.aspx

Mapa Research - http://www.maparesearch.com/news/article/finovate-day-two

Screen captures of New mBank:

New Design – www.youtube.com/watch?feature=player_embedded&v=v98XAI_6XSk

Search engine - www.youtube.com/watch?feature=player_embedded&v=svvxNm0tZqA

Money transfers - www.youtube.com/watch?feature=player_embedded&v=lQ70vSXLTSE

PFM - www.youtube.com/watch?feature=player_embedded&v=wmFe2lnaKEY

mOKAZJE - www.youtube.com/watch?feature=player_embedded&v=RBVw5k3Sxuw

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For more information please contact:

Michal Panowicz, Managing Director of Project New mBank

michal.panowicz@mbank.pl

Krzysztof Olszewski, BRE Bank Group's Spokesperson

krzysztof.olszewski@brebank.pl

Marek Skomorowski, Project New mBank team member

marek.skomorowski@mbank.pl