Investor Presentation - Q2 2021
Key highlights of Q2 2021 in mBank Group
Core revenues close to record-high level, driven by strong
fee result and gradually rebounding net interest income
High efficiency amid investments in future growth,
continued disciplined cost management
Improving net profit of core business, elevated costs of
legal risk affecting profitability in non-core segment
Loan and deposit volumes on upward trajectory in both
segments, translating into higher market shares
Risk costs reflecting prudent approach despite resilient
asset quality, strong capital and liquidity position
Growing usage of mobile application and payments,
support in entering e-commerce market
Net interest income
-4.5% YoY
Total costs
+1.5% YOY
Net profit
+25% YoY
Loans
+7.3% YOY
Cost of Risk
80 bps
Mobile app users
2.42 million
Net fee income
+24.7% YOY
Cost/Income ratio
42.5%
CHF legal reserves
PLN 249 million
Deposits
+12.1% YOY
Total capital ratio
17.6%
Mobile payments
1.4 million cards
Investor Presentation - Q2 2021
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