mBank Income Statement

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	14,194	14,257	14,523	9,094	3,970
Interest Income on Investments	405.08	280.09	313.27	177.25	488.83
Total Interest Income	14,599	14,538	14,836	9,271	4,459
Interest Paid on Deposits	4,571	4,934	5,953	3,342	327.69
Net Interest Income	10,027	9,603	8,883	5,929	4,131
Net Interest Income Growth (YoY)	4.42%	8.11%	49.82%	43.52%	2.92%
Income From Trading Activities	82.67	176.68	73.34	97.2	96.89
Gain (Loss) on Sale of Assets	-	21.91	29.03	44.82	31.21
Gain (Loss) on Sale of Investments	103.46	76.59	-26.45	-144.06	98.3
Other Non-Interest Income	2,573	2,323	2,113	2,274	1,977
Total Non-Interest Income	2,759	2,599	2,189	2,271	2,204
Non-Interest Income Growth (YoY)	6.18%	18.73%	-3.65%	3.07%	14.68%
Revenues Before Loan Losses	12,787	12,202	11,072	8,201	6,335
Provision for Loan Losses	749.04	585.96	1,077	817.97	873.23
Revenue	12,037	11,616	9,995	7,383	5,462
Revenue Growth (YoY)	3.63%	16.22%	35.38%	35.17%	15.96%
Salaries and Employee Benefits	-	14.71	11.28	-	-
Occupancy Expenses	651.38	586.63	504.02	467.31	436.25
Selling, General & Administrative	252.69	2,739	2,518	151.64	135.73
Other Non-Interest Expense	4,058	974.01	1,058	3,726	2,704
Total Non-Interest Expense	4,977	4,314	4,091	4,358	3,287
EBT Excluding Unusual Items	7,061	7,302	5,904	3,025	2,175
Asset Writedown	-	-21.16	-25.48	-20.83	-7.94
Legal Settlements	-2,040	-4,307	-4,908	-3,112	-2,758
Pretax Income	5,021	2,974	970.59	-108.02	-591.03
Income Tax Expense	1,477	730.36	946.53	594.51	587.78
Earnings From Continuing Operations	3,544	2,243	24.06	-702.53	-1,179
Minority Interest in Earnings	-	-0.12	-0	-0.16	0.06
Net Income	3,544	2,243	24.05	-702.69	-1,179
Net Income to Common	3,544	2,243	24.05	-702.69	-1,179
Net Income Growth	57.97%	9225.87%	-	-	-
Basic Shares Outstanding	43	42	42	42	42
Diluted Shares Outstanding	43	43	43	42	42
Shares Change (YoY)	0.04%	0.05%	0.28%	0.08%	-0.02%
EPS (Basic)	83.35	52.80	0.57	-16.57	-27.82
EPS (Diluted)	83.26	52.73	0.57	-16.57	-27.82
EPS Growth	57.90%	9206.03%	-	-	-
Effective Tax Rate	29.42%	24.56%	97.52%	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.