Values

Every business model, also in banking, is based on engaging capital: financial, human, organisational, intellectual, social and natural. The business activity and day-to-day decisions transform them. It is easiest for us to describe and measure the financial capital as it is the foundation of the traditional reporting. However, we cannot forget about the fact that our activities transform the rest of capitals, causing their increase or decline.

The diagram below shows our most important capitals and the value creation process at mBank Group.

Basing on
our capitals...

Financial Capital

Human Capital

Manufactured Capital

Intellectual Capital

Social Capital

Natural Capital

we develop
our business...

We finance the
activities of our clients

We enable to deposit
and invest

We facilitate safe and
convenient transactions

We offer access
to financial markets

We create a friendly
workplace

We pay
taxes

…creating value for
all our stakeholders.

Clients

Investors

Employees

Partners

Society

Headline

Financial fundamentals of our operations – funds obtained from our shareholders and clients as well as generated financial results

Deposits:
PLN 91 B

Loans:
PLN 85 B

Own funds:
PLN 13 B

Total
assets:
PLN 134 B

net profit
PLN 1,219 M

Team of engaged people, their know-how, values and attitudes, which are fundamental for innovations and development of our Group.

High and stable over the last 3 years: employee engagement score over the Polish and European average for banks.

over
6,000
employees

Organisational structure, continuously improving procedures and processes, infrastructure and IT as well as our branch network.

Exceptional intangible assets being a unique and extinguishing value represented by mBank brand.
Mobile DNA dynamically developing mobile banking, supported by the strongest banking brand in Poland - mBank.	Innovative business solutions including a strategic co-operation with external partners, such as AXA and Orange.

Our relations with stakeholders and community; social activities and our contribution to banking sector and economy.
Proactive education of the society in the area of internet and mobile banking security	Popularisation of mathematics within the activities of mFoundation
72% outlets adopted for the disabled

Our direct and indirect impact on natural environment as well as our ability to shape this impact.

We finance the activities of our clients – individual, enterprises and corporations - including leasing and factoring services. As a result, individual clients can satisfy their housing and other needs, companies are able to invest, create new jobs and the state budget is supported by corporate taxes.

Impact on income statement

Interest income

PLN 3,873 M

Impairment losses on loans and advances

PLN 365 M

We enable our retail and corporate clients to deposit and invest their funds in a safe way.

Impact on income statement

Interest cost

PLN 1,040 M

We facilitate safe and convenient transactions. We offer possibilities of active investments on capital markets.

Impact on income statement

Net fee and commission income

PLN 2,833 M

We offer companies access to financial markets and hedging against market fluctuations, including interest rates, FX rates, commodity and raw materials prices.

Impact on income statement

Net trading income

PLN245 M

We invest in our employees and create a friendly workplace for them. We support their development and sensitize them to the unique mBank values We permanently develop our infrastructure, searching for best, safest and most convenient IT solutions for our clients.

Impact on income statement

Overhead costs

PLN 877 M

Wages and salaries

PLN 1,086 M

Others

We rank among the largest corporate tax-payers in Poland. We also pay other fees supporting the state budget and the sector as well as invest in education of the society through our social campaign and our foundation’s activities.

Impact on income statement