Investor Presentation - Q2 2021
Summary of litigations and provisions related to CHF portfolio
CHF mortgage loans granted to individual customers
CHF M, carrying amount
Number of individual court cases concerning indexation clauses
7,053
CAGR
-8%
equivalent to PLN 11,035 M,
9.2% of total loan portfolio
new court proceedings
initiated against mBank
in H1 2021: +3,202
+20%
+22%
10,072
+20%
8,396
+24%
4,868
-14%
4,548
+35%
6,870
4,186
-7%
3,775
+17%
5,721
3,365
4,596
2,883 2,678
3,409
2,902
+507
2009 2015 2016 2017 2018 2019
2020
06/21
12/19
Provisions created for individual court cases
concerning indexation clauses in CHF mortgage loans
total value
PLN M
as a % of
CHF portfolio
Key parameters for the calculation
of portfolio provisions include:
population of borrowers who will
file a lawsuit against the bank
+1,187 +1,125 +1,149 +1,526 +1,676
03/20 06/20 09/20 12/20 03/21 06/21
Claims related to the individual proceedings
concerning indexation clauses in CHF loan agreements
total value
PLN M
coverage
by provisions
-29 pp
1,427
12/20
+18%
1,689
10.5%
06/21
Investor Presentation - Q2 2021
+3.0pp
13.5%
• probability of loss, defined as a
share of negative verdicts in all
final judgments
+67%
2,414
98.9%
expected level of loss in case of
losing the lawsuit by the bank
(taking into account a distribution
of 3 possible outcomes)
70.0%
1,442
O CHF/PLN exchange rate
12/20
06/21
12/20
06/21
12/20
06/21
14View entire presentation