Investor Presentation - Q2 2021
Appendix: Historical financial results of mBank Group
PLN million
Net interest income
Net fee and commission income
Net trading and other income
2016
2017
2,832.8
3,135.7
2018
3,496.5
2019
4,002.8
2020
ΔΥΟΥ
4,009.3
+0.2%
906.4
1,249.5
1,257.8
1,270.6
1,508.3
+18.7%
556.2
68.4
325.3
251.0
349.2
+39.1%
Total income
4,295.5
4,453.6
5,079.5
5,524.4
5,866.8
+6.2%
Total costs
-1,963.3
-2,043.2
-2,163.9
-2,329.2
-2,411.1
+3.5%
Loan loss provisions and fair value change
-365.4
-507.7
-694.4
-793.8
-1,292.8
+62.9%
Operating profit before legal provisions and taxes
1,966.8
1,902.7
2,221.2
2,401.5
2,162.8
-9.9%
Costs of legal risk related to FX loans
0.0
0.0
-20.3
-387.8
-1,021.7
+163.5%
Taxes on the Group balance sheet items
-328.9
-375.3
-415.4
-458.7
-531.4
+15.9%
Income tax
-415.5
-432.8
-483.9
-544.8
-506.0
-7.1%
Net profit
Total assets
1,219.3
1,091.5
1,302.8
1,010.4
103.8
-89.7%
133,744
131,424
145,781
158,353
178,872
+13.0%
Gross loans to customers
84,581
87,388
97,808
108,170
112,208
+3.7%
Individual clients
Corporate clients
Customer deposits
Individual clients
Corporate clients
Total equity
Net interest margin
Cost/Income ratio
Cost of risk
Return on equity (ROE)
Tier 1 capital ratio
48,950
48,143
52,925
59,993
65,952
+9.9%
34,174
37,942
44,233
47,786
46,025
-3.7%
91,418
91,496
102,009
116,661
137,699
+18.0%
53,495
55,694
65,924
77,664
97,976
+26.2%
37,383
34,590
35,346
38,138
39,236
+2.9%
13,051
14,292
15,171
16,153
16,675
+3.2%
2.3%
2.5%
2.6%
2.7%
2.3%
-0.4pp
45.7%
45.9%
42.6%
42.2%
41.1%
-1.1pp
0.46%
0.61%
0.78%
0.79%
1.19%
+0.40pp
9.6%
8.0%
8.9%
6.4%
0.6%
-5.8pp
17.3%
18.3%
17.5%
16.5%
17.0%
+0.5pp
Total Capital Ratio
Investor Presentation - Q2 2021
20.3%
21.0%
20.7%
19.5%
19.9%
+0.4pp
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