mBank S.A. (WSE:MBK)

mBank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	14,427	14,257	14,523	9,094	3,970	4,207
Interest Income on Investments	239.08	280.09	313.27	177.25	488.83	486
Total Interest Income	14,666	14,538	14,836	9,271	4,459	4,693
Interest Paid on Deposits	4,748	4,934	5,953	3,342	327.69	679.05
Net Interest Income	9,919	9,603	8,883	5,929	4,131	4,014
Net Interest Income Growth (YoY)	4.96%	8.11%	49.82%	43.52%	2.92%	0.18%
Income From Trading Activities	283.25	176.68	73.34	97.2	96.89	184.75
Gain (Loss) on Sale of Assets	49.61	21.91	29.03	44.82	31.21	27.62
Gain (Loss) on Sale of Investments	88.68	76.59	-26.45	-144.06	98.3	109.1
Other Non-Interest Income	2,364	2,323	2,113	2,274	1,977	1,600
Total Non-Interest Income	2,785	2,599	2,189	2,271	2,204	1,922
Non-Interest Income Growth (YoY)	7.72%	18.73%	-3.65%	3.07%	14.68%	18.47%
Revenues Before Loan Losses	12,704	12,202	11,072	8,201	6,335	5,936
Provision for Loan Losses	667.82	585.96	1,077	817.97	873.23	1,226
Revenue	12,036	11,616	9,995	7,383	5,462	4,710
Revenue Growth (YoY)	7.94%	16.22%	35.38%	35.17%	15.96%	-4.20%
Salaries and Employee Benefits	14.71	14.71	11.28	-	-	-
Occupancy Expenses	644.64	586.63	504.02	467.31	436.25	430.63
Selling, General & Administrative	2,762	2,739	2,518	151.64	135.73	128.27
Other Non-Interest Expense	1,383	974.01	1,058	3,726	2,704	2,509
Total Non-Interest Expense	4,804	4,314	4,091	4,358	3,287	3,078
EBT Excluding Unusual Items	7,232	7,302	5,904	3,025	2,175	1,632
Asset Writedown	14.1	-21.16	-25.48	-20.83	-7.94	-0.99
Legal Settlements	-2,593	-4,307	-4,908	-3,112	-2,758	-1,022
Pretax Income	4,653	2,974	970.59	-108.02	-591.03	609.73
Income Tax Expense	1,165	730.36	946.53	594.51	587.78	505.97
Earnings From Continuing Operations	3,488	2,243	24.06	-702.53	-1,179	103.76
Minority Interest in Earnings	-0.01	-0.12	-0	-0.16	0.06	0.07
Net Income	3,488	2,243	24.05	-702.69	-1,179	103.83
Net Income to Common	3,488	2,243	24.05	-702.69	-1,179	103.83
Net Income Growth	181.98%	9225.87%	-	-	-	-89.72%
Basic Shares Outstanding	43	42	42	42	42	42
Diluted Shares Outstanding	43	43	43	42	42	42
Shares Change (YoY)	0.04%	0.05%	0.28%	0.08%	-0.02%	0.05%
EPS (Basic)	82.06	52.80	0.57	-16.57	-27.82	2.45
EPS (Diluted)	81.95	52.73	0.57	-16.57	-27.82	2.45
EPS Growth	181.74%	9206.03%	-	-	-	-89.73%
Effective Tax Rate	25.04%	24.56%	97.52%	-	-	82.98%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.