Investor Presentaiton
Assets & Liabilities growth
Structure of Assets (PLN M)
Structure of Liabilities (PLN M)
+5.4%
12,168
12,386
1,069
13,188
240
Amounts due
12,168 12,386
13,188
237
13,123
236
13,123
from banks
234
247
236
10,649
1,268
1,284
.56 275➡
1,222
950
10,649
1,277
-48
118
240
1,056
1,086
Loans and
43
.49
37
advances to
904
Amounts due
to other
banks
Amounts due
to customers
1,134
45
customers
7,043
7,870
8,857
Derivative
6,153
(58%)
9,412
(88%)
10,767 10,931
(88%) (88%)
11,628
(88%)
11,588
(88%)
financial
instruments
(64%)
(67%)
8,646
(66%)
(58%)
Debt securities
in issue
Investment
securities
4
Equity
.36
3
9
5
Other
3,317
(31%)
3,830
3,180
2,817
2,951
(31%) (26%)
(21%)
(22%)
Other
16
19
58
2016
2017
2018
14
2019
213:
2020 H1
2016
2017
2018
2019
2020 H1
Total Gross Loans (PLN M)
Balance sheet value (carrying value)
Equity (PLN M)
10,767 10,931
11,628
-131-
11,588
124
14.5%
15.8%
16.2%
18.2%
18.5%
TCR (%)
>16.76%
+2%
201
143
9,412
Corporate loans
1,268
1,284
322-
5,860
6,195
7,500
7,564
4,375
(54%)
(57%)
(64%)
(65%)
Housing loans to
individual clients
1,056
1,086
904
(46%)
Public-sector
loans
-2%
4,714
4,705
4,592
3,997
3,900
(50%)
(44%)
(42%)
(34%)
(34%)
2017
2016
Source: IFRS Financial Statements of mBank Hipoteczny
2018
2019
2020 H1
2016
2017
2018
2019
2020 H1
m
mBank
Hipoteczny
Covered
bonds
Cover Pool
Polish
Economy
Real Estate
Market
Legislation
22
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