mBank Group's financial results and key ratios

PLN million 2014 2015 2016 2017 2018 2019
Total assets 117 986 123 523 133 744 131 424 145 781 158 721
Net loans and advances to customers 74 582 78 434 81 763 84 476 94 766 105 347
Amounts due to customers 72 422 81 141 91 418 91 496 102 009 116 661
Total equity 11 073 12 275 13 051 14 292 15 171 16 153
Net interest income 2 491 2 511 2 833 3 136 3 496 4 003
Net fee and commission income 902 897 906 992 976 965
Total income 3 939 4 093 4 295 4 454 5 080 5 524
Total costs (incl. amortisation) -1 771 -2 051 -1 963 -2 043 -2 164 -2 329
Net impairment losses on loans and advances -516 -421 -365 -508 -694 -794
Net profit attributable to owners of mBank S.A. 1 287 1 301 1 219 1 092 1 303 1 010
Net interest margin 2,3% 2,1% 2,3% 2,5% 2,6% 2,7%
Cost/Income ratio 44,9% 50,1% 45,7% 45,9% 42,6% 42,2%
Cost of risk 0,72% 0,54% 0,46% 0,61% 0,78% 0,79%
Return on Equity (ROE) 13,1% 11,8% 10,1% 8,3% 9,4% 6,6%
Return on Assets (ROA) 1,13% 1,04% 0,95% 0,83% 0,93% 0,66%
CET 1 ratio 12,2% 14,3% 17,3% 18,3% 17,5% 16,5%
Total Capital Ratio 14,7% 17,3% 20,3% 21,0% 20,7% 19,5%
Loan-to-Deposit ratio 103,0% 96,7% 89,4% 92,3% 92,9% 90,3%
NPL ratio 6,4% 5,7% 5,4% 5,2% 4,8% 4,5%
Coverage ratio 51,9% 58,9% 57,1% 59,2% 62,5% 60,7%
Employment (FTE) 6 318 6 540 6 528 6 455 6 524 6 771

 

mBank Group's key stock exchange figures

  2014 2015 2016 2017 2018 2019
Number of shares, YE 42 210 057 42 238 924 42 280 127 42 312 122 42 336 982 42 350 367
Earnings per share (PLN) 30,5 30,8 28,8 25,8 30,8 23,9
Book value per share (PLN) 261,6 289,8 308,0 337,7 358,3 381,4
P/E 16,3 10,2 11,6 18,0 13,8 16,3
P/BV 1,9 1,1 1,1 1,4 1,2 1,0
Share price at the year’s last trading session (PLN) 498,0 314,0 335,3 465,0 424,2 389,4