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In 2017, we officially opened

our new headquarters in Łódź.

The Przystanek mBank is an intelligent, modern building that guarantees its users comfortable work
conditions thanks to the state-of-the-art solutions.

2017 in numbers

1,091.5 PLN M
net profit
4,453.6 PLN M
total income
ROE net
5.4 M
Total Capital Ratio
131.4 PLN bn
Balance Sheet Total

The Group generated net profit attributable to the owners of mBank of PLN 1,091.5 million in 2017. The result was 10.5% lower than PLN 1,219.3 million of net profit reported in 2016.

However, it should be emphasized, that after excluding 2016 base effect caused by one-off event, the 2017 net profit would be 6% higher than the profit achieved in the previous year.

In 2017, mBank Group reported the record-high total income. It amounted to PLN 4,454 million, up by 3.7% year on year.

In turn, after excluding one-off event reported in 2016, that is the settlement of the Visa Europe takeover by Visa Inc., the increase would be 10.0%, mainly attributable to the improvement of net interest income and net fee and commission income.

After Q3 2017, ROE amounted to 7.9%; mBank was classified as sixth among peer banks listed on the WSE,
whereas the Bank did not pay dividends from the previous years’ profits.

The ratio for the banking sector in Poland reached 7.1% according to Polish Financial Supervision Authority’s data at the end of 2017.

After Q3 2017, C/I amounted to 46.8%; mBank was classified as fourth among peer banks listed on the WSE
(the average ratio for the banking sector in Poland reached 50.9% (excluding the banking tax) according to Polish Financial Supervision Authority’s data for January-September 2017).

C/I reached 45.9% at the end of 2017.

One of the key features which distinguish mBank from the consolidating Polish market is the ability to grow organically. Our customer acquisition in 2017 was once again satisfactory. We added 1,108 companies to our corporate customer base, which stood at 22,048 clients at the end of 2017. The number of mBank’s retail clients grew by 254 thousand in Poland and by more than 36 thousand in the Czech Republic and Slovakia.

The strategic goals of mBank and mBank Group are aimed at maintaining the total capital ratio as well as the Common Equity Tier 1 capital ratio above the levels required by the supervision authority. This allows to maintain business development while meeting the supervisory requirements in the long perspective.

The balance sheet total of mBank Group stood at PLN 131,424 million at the end of 2017 and was slightly lower compared to PLN 133,744 million in 2016.

The main factor influencing decrease of assets was the strengthening of the zloty against other currencies. The share of assets in foreign currencies in the balance sheet of the mBank Group amounted to over 30%, mainly loans in EUR and CHF.

At the end of 2017, loans and advances to customers were the largest asset category of mBank Group (64.3%). Their net value amounted to PLN 84,475.8 million.

Investment securities constituted mBank Group’s second largest asset category. They amounted to PLN 32,144.7 million, i.e. 24.5% of the total assets at the end of 2017, and increased by 2.4% year on year.

Underlying the “Mobile Bank” strategy by 2020 is the idea of placing clients in the centre of the bank’s attention. This implies responding to their needs in the best way possible and enabling them to access mBank anytime and anywhere. This approach affects all areas of the bank’s operation, is a source of our competitive advantage and contributes to the generation of costs and revenues.

Cezary Stypułkowski
President of the Management Board

Dynamic changes in the environment in which the Group operates, in both the technological and regulatory area, require ever-increasing, comprehensive knowledge and continuous improvement of the risk management process. Therefore, mBank Group applies and develops innovative methods and tools to identify, measure and control risks.

Lidia Jabłonowska-Luba
Vice-President of the Management Board, Chief Risk Officer

Our stakeholders


corporate clients, financial market institutions, companies, including microenterprises, individuals…


permanent employees, students and potential employees


Commerzbank – strategic investor, institutional investors, individual investors, the  WSE, rating agencies and brokerage houses


The Polish Financial Supervision Authority, the Polish Bank Association and the National Bank of Poland, the media

Business partners

key suppliers, subsidiaries in which the bank holds minority interests