Investor Presentaiton
mBank Group in a snapshot
General description
Set up in 1986, mBank is Poland's fifth largest universal banking group
in terms of total assets and it keeps the fifth position by net loans and
deposits at the end of June 2022.
Servicing 4.55 million retail clients and 32.7 thousand corporate clients
in Poland and more than 1.04 million retail clients in Czech Republic
and Slovakia.
The offer includes retail, SME, corporate and investment banking as
well as other financial services such as leasing, factoring, commercial
real estate financing, brokerage, wealth management, distribution of
insurance, corporate finance and advisory in the scope of capital
markets.
Profitable and efficient business model, operating with C/I ratio at
43.0% in H1 2022. Well-capitalized bank with a strong funding profile
and balanced business mix between retail and corporate segments.
Attractive client base supporting market share development.
Rated 'BBB' by Standard & Poor's and 'BBB-' by Fitch.
Listed on the Warsaw Stock Exchange since 1992, a member of
WIG20, WIG30, WIG, WIG-Banki, WIG-ESG, WIG-Poland index.
A strategic shareholder, Germany's Commerzbank, owns 69.21% of
mBank's shares.
In line with its ESG strategy, mBank Group intends to conduct the
business in accordance with the principles of sustainable
development (we want to educate, take care of the climate and the
environment and promote prosperity).
Sustainalytics ESG Risk Rating -,,BBB"
Key financial mBank Group data (PLN mn)
Total income
Net profit
Cost/Income
ratio
Total Assets
2018
145,781
Net loans
94.766
2019
158,353
104,980
2020
2021
178,872 199,539
108,567 118,055
2021 HỒ
2022 HỒ
198,471
204,397
116,241 126,257
Deposits
102,009
116,661
Equity
15,171
16,153
137,699
16,675
159,935 156,584 164,014
13,718
16,694
13.378
5,080
5,524
5,867
6,111
2,982
4,333
1,303
1,010
104
(1,179)
426
742
42.6%
42.2%
41.1%
40,2%
41,8%
43.0%
0.78%
0.79%
1.19%
0,76%
0,70%
0.76%
Return on Equity
(ROE) (net)
9.4%
6.6%
0.6%
(7.2%)
5.1%
10.9%
Tier 1 ratio
17.5%
16.5%
17.0%
14.2%
15.2%
13.9%
Total Capital
20.7%
19.5%
19.9%
16.6%
17.6%
16.4%
Ratio
NPL ratio
4.8%
4.5%
4.8%
3.9%
4.4%
3.8%
62.5%
60.7%
58.3%
53.1%
58.3%
54.6%
Cost of risk
NPL coverage
ratio
Main product lines
RETAIL BANKING
Modern financial services for:
Mass market,
CORPORATE
AND FINANCIAL MARKETS
Fully fledged offering:
Corporate banking
Transactional banking
Investment banking
•
•
.
•
•
Affluent
Private banking clients
Entrepreneurs
Brokerage
Poland
Czech Republic
and Slovakia
•
Leasing
Factoring
Clients 5,586 k
Clients 32.7 k
Covered Bonds Investor Presentation
Source: mBank Group Consolidated Financial Statements 2022 H1
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