<?xml version="1.0" encoding="UTF-8"?>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>GK</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType roleURI="http://www.mbank.pl/xbrl/2024/Role/6/Anchoring" id="Anchoring">
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        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mbank.pl/xbrl/2024/Role/7/GeneralInformation" id="GeneralInformation">
        <link:definition>GeneralInformation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
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  <xsd:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
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  <xsd:element name="DebtSecuritiesMeasuredAtAmortisedCost" id="mBank_DebtSecuritiesMeasuredAtAmortisedCost" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="FinancialLiabilitiesHeldForTradingAndHedgingDerivatives" id="mBank_FinancialLiabilitiesHeldForTradingAndHedgingDerivatives" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="mBank_ChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncome" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="AdjustmentsForIncreaseDecreaseInAmountsDueToLeaseLibilities" id="mBank_AdjustmentsForIncreaseDecreaseInAmountsDueToLeaseLibilities" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="AdjustmentsForIncreaseDecreaseInAmountsDueToBanksMeasuredAtAmortisedCost" id="mBank_AdjustmentsForIncreaseDecreaseInAmountsDueToBanksMeasuredAtAmortisedCost" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ShareCapital" id="mBank_ShareCapital" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="AmountsDueToBanksMeasuredAtAmortisedCost" id="mBank_AmountsDueToBanksMeasuredAtAmortisedCost" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="AdjustmentsForIncreaseDecreaseInAmountsDueToCustomersMeasuredAtAmortisedCost" id="mBank_AdjustmentsForIncreaseDecreaseInAmountsDueToCustomersMeasuredAtAmortisedCost" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="DebtSecuritiesMandatorilyMeasuredAtFairValue" id="mBank_DebtSecuritiesMandatorilyMeasuredAtFairValue" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="ChangesOfNonTradingSecuritiesMandatorilyAtFairValueThroughProfitOrLoss" id="mBank_ChangesOfNonTradingSecuritiesMandatorilyAtFairValueThroughProfitOrLoss" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="OtherEquityChanges" id="mBank_OtherEquityChanges" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="GainsLossesArisingFromDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLoss" id="mBank_GainsLossesArisingFromDerecognitionOfFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLoss" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="duration"/>
  <xsd:element name="ChangesInSecuritiesAtAmortisedCost" id="mBank_ChangesInSecuritiesAtAmortisedCost" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="CostOfLegalRiskRelatedToForeignCurrencyLoans" id="mBank_CostOfLegalRiskRelatedToForeignCurrencyLoans" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="duration"/>
  <xsd:element name="LoansAndAdvancesToCustomersMeasuredAtAmortisedCost" id="mBank_LoansAndAdvancesToCustomersMeasuredAtAmortisedCost" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="IssueOfAT1Equity" id="mBank_IssueOfAT1Equity" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="ChangesInIssuedDebtSecurities" id="mBank_ChangesInIssuedDebtSecurities" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="AdditionalEquityComponents" id="mBank_AdditionalEquityComponents" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="FinancialAssetsHeldForTradingAndHedgingDerivatives" id="mBank_FinancialAssetsHeldForTradingAndHedgingDerivatives" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="SharebasedPaymentTransactionsValueOfServicesProvidedByEmployees" id="mBank_SharebasedPaymentTransactionsValueOfServicesProvidedByEmployees" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="duration"/>
  <xsd:element name="ChangesInFinancialAssetsAndLiabilitiesHeldForTradingAndHedgingDerivatives" id="mBank_ChangesInFinancialAssetsAndLiabilitiesHeldForTradingAndHedgingDerivatives" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xsd:element name="SharebasedPaymentTransactionsSettlementOfExercisedOptions" id="mBank_SharebasedPaymentTransactionsSettlementOfExercisedOptions" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="duration"/>
  <xsd:element name="AmountsDueToCustomersMeasuredAtAmortisedCost" id="mBank_AmountsDueToCustomersMeasuredAtAmortisedCost" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" id="mBank_GainsLossesOnNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="duration"/>
  <xsd:element name="IncomeSimilarToInterestOnFinancialAssetsAtFairValueThroughProfitOrLoss" id="mBank_IncomeSimilarToInterestOnFinancialAssetsAtFairValueThroughProfitOrLoss" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="duration"/>
  <xsd:element name="EquityInstrumentsMandatorilyMeasuredAtFairValue" id="mBank_EquityInstrumentsMandatorilyMeasuredAtFairValue" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="NetTradingIncomeExpense" id="mBank_NetTradingIncomeExpense" type="xbrli:monetaryItemType" xbrli:balance="credit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="duration"/>
  <xsd:element name="LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" id="mBank_LoansAndAdvancesToCustomersMandatorilyMeasuredAtFairValue" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="PropertyPlantAndEquipmentAndRightOfUse" id="mBank_PropertyPlantAndEquipmentAndRightOfUse" type="xbrli:monetaryItemType" xbrli:balance="debit" substitutionGroup="xbrli:item" abstract="false" nillable="false" xbrli:periodType="instant"/>
  <xsd:element name="AdditionalEquityComponentsMember" id="mBank_AdditionalEquityComponentsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
</xsd:schema>
