Investor Presentation - Q2 2021
Results of mBank Group: Loan portfolio quality
Robust asset quality confirmed by resilient risk indicators, no pandemic-related deterioration
mBank Group's impaired loans portfolio
mBank Group's NPL ratio
PLN M
-4.1%
4.9%
4.8%
4.8%
-2.5%
4.6%
According to
EBA definition,
consolidated
NPL ratio was:
5,502
5,459
5,433
4.4%
5,409
5,274
4.0% < 5%
468
461
424
405.
384
based on guidelines
06/20
09/20
12/20
03/21
06/21
applicable from
30.06.2019
5,034
4,998
5,009
5,004
4,890
mBank Group's NPL ratio, by segment
06/20
09/20
12/20
03/21
06/21
6.3%
6.3%
6.5%
6.3%
5.9%
at amortized cost at fair value through profit and loss
mBank Group's coverage ratio
4.0%
3.9%
3.7%
3.6%
3.5%
Corporate
portfolio
Retail
portfolio
75.0%
71.7%
72.9%
73.7%
75.8%
06/20
09/20
12/20
03/21
06/21
NPL ratio of mortgage loan portfolio
2.1%
58.8%
60.7%
58.3%
58.5%
58.3%
06/20
09/20
12/20
03/21
06/21
2.0%
2.1%
effect of the implementation 1.7%
of new default definition (NDD)
1.7%
1.7%
09/20
12/20
03/21
06/21
Loans
granted to
private
individuals
in Poland
Coverage ratio including stage 1&2 provisions
06/20
Note: Risk indicators presented for credit portfolio measured both at amortized cost and at fair value through profit or loss. The bank applies a client-oriented approach in its methodology of NPL recognition.
Investor Presentation - Q2 2021
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