mBank Group's financial results and key ratios

PLN million

2015

2016

2017

2018

2019

2020

Total assets

123,523

133,744

131,424

145,781

158,721

180,136

Net loans and advances to customers

78,434

81,763

84,476

94,766

105,347

109,832

Amounts due to customers

81,141

91,418

91,496

102,009

116,661

137,699

Total equity

12,275

13,051

14,292

15,171

16,153

16,675

Net interest income

2,511

2,833

3,136

3,496

4,003

4,009

Net fee and commission income

897

906

992

976

965

1,508

Total income

4,093

4,295

4,454

5,080

5,524

5,867

Total costs (incl. amortisation)

-2,051

-1,963

-2,043

-2,164

-2,329

-2,411

Net impairment losses on loans and advances

-421

-365

-508

-694

-794

-1,293

Net profit attributable to owners of mBank S.A.

1,301

1,219

1,092

1,303

1,010

104

 

 

 

 

 

 

Net interest margin

2.1%

2.3%

2.5%

2.6%

2.7%

2.3%

Cost/Income ratio

50.1%

45.7%

45.9%

42.6%

42.2%

41.1%

Cost of risk

0.54%

0.46%

0.61%

0.78%

0.79%

1.19%

Return on Equity (ROE)

11.8%

10.1%

8.3%

9.4%

6.6%

0.6%

Return on Assets (ROA)

1.04%

0.95%

0.83%

0.93%

0.66%

0.06%

CET 1 ratio

14.3%

17.3%

18.3%

17.5%

16.5%

17.0%

Total Capital Ratio

17.3%

20.3%

21.0%

20.7%

19.5%

19.9%

Loan-to-Deposit ratio

96.7%

89.4%

92.3%

92.9%

90.3%

79.8%

NPL ratio

5.7%

5.4%

5.2%

4.8%

4.5%

4.8%

Coverage ratio

58.9%

57.1%

59.2%

62.5%

60.7%

58.2%

Employment (FTE)

6,540

6,528

6,455

6,524

6,771

6,688

 

mBank Group's key stock exchange figures

2015

2016

2017

2018

2019

2020

Number of shares, YE

42,238,924

42,280,127

42,312,122

42,336,982

42,350,367

42,367,040

Earnings per share (PLN)

30.8

28.8

25.8

30.8

23.9

2.5

Book value per share (PLN)

289.8

308.0

337.7

358.3

381.4

393.5

P/E

10.2

11.6

18.0

13.8

16.3

73.1

P/BV

1.1

1.1

1.4

1.2

1.0

0.5

Share price at the year’s last trading session (PLN)

314.0

335.3

465.0

424.2

389.4

179.2