mBank Group’s capital position is strong. At the end of 2018 Common Equity Tier 1 capital ratio reached 17.5% and the Total Capital Ratio 20.7%.

Both ratios are well above the minimum requirements which are presented below (as of January 1, 2019):

CRR Regulation minimum level based on Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012.

Individual additional Pillar 2 capital requirement for risk related to FX retail mortgage loans imposed as a result of risk assessment carried out by the PFSA within the supervisory review and evaluation process (“SREP”); its level is reviewed annually.

Conservation Capital Buffer is equal for all banks in Poland as introduced by the Act on Macroprudential Supervision Over the Financial System and Crisis Management in the Financial System; the implementation was gradual and it was raised from 1.25% to 1.875% from 01.01.2018 and to 2.5% from 01.01.2019

Other Systemically Important Institution (O-SII) Buffer imposed by an administrative decision of the PFSA, in which mBank has been identified as other systemically important institution; its level is reviewed annually.

Systemic Risk Buffer determined at 3.0% in Poland entering into force from 01.01.2018; it replaced the previous PFSA add-on; for mBank it applies only to domestic exposures.

Countercyclical Capital Buffer is calculated as the weighted average of the countercyclical buffer rates that apply in the countries where the relevant credit exposures of the Group are located.


The ability to pay out dividends is provided for in the “mobile Bank” strategy of mBank Group for 2016-2020. However, in its decision recommending the dividend payment to the Supervisory Board, the Management Board of mBank mainly considers current recommendations of the Polish Financial Supervision Authority concerning dividend payments by banks. Information on the current requirements can be found on the regulator’s webpage.

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