Below are the financial statements of mBank, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in thousands of PLN | 2024 2024-01-01 - 2024-12-31 | 2023 2023-01-01 - 2023-12-31 |
|---|---|---|
| Interest income, including: | 14,523,266a | 14,826,765a |
| Interest income accounted for using the effective interest method | 14,257,452a | 14,522,983a |
| Income similar to interest on financial assets at fair value through profit or loss | 265,814a | 303,782a |
| Interest expenses | -4,934,243a | -5,953,294a |
| Net interest income | 9,589,023a | 8,873,471a |
| Fee and commission income | 3,207,707a | 3,015,912a |
| Fee and commission expenses | -1,235,823a | -1,100,004a |
| Net fee and commission income | 1,971,884a | 1,915,908a |
| Dividend income | 14,279a | 9,486a |
| Net trading income | 176,678a | 73,343a |
| Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss | 64,449a | 34,100a |
| Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss | 598a | -50,941a |
| Other operating income | 477,551a | 317,712a |
| Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss | -585,958a | -1,076,778a |
| Costs of legal risk related to foreign currency loans | -4,306,964a | -4,908,205a |
| Overhead costs | -2,801,710a | -2,570,433a |
| Depreciation | -586,630a | -504,016a |
| Other operating expenses | -287,094a | -399,507a |
| Operating profit | 3,726,106a | 1,714,140a |
| Tax on the Bank's balance sheet items | -752,381a | -743,552a |
| Profit before income tax | 2,973,725a | 970,588a |
| Income tax expense | -730,357a | -946,530a |
| Net profit | 2,243,368a | 24,058a |
| Net profit attributable to: | — | — |
| Owners of mBank S.A. | 2,243,245a | 24,054a |
| Non-controlling interests | 123a | 4a |
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