mBank Balance Sheet

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
Cash & Equivalents	40,481	36,681	36,702	16,251	9,573
Investment Securities	82,646	70,023	61,483	52,737	56,078
Trading Asset Securities	4,288	1,057	1,500	2,249	2,406
Total Investments	86,934	71,080	62,983	54,987	58,484
Gross Loans	148,751	135,619	125,561	133,409	122,779
Allowance for Loan Losses	-3,556	-3,567	-3,709	-3,256	-3,179
Other Adjustments to Gross Loans	-	-1,967	-2,152	-2,051	-1,050
Net Loans	145,195	130,085	119,700	128,102	118,550
Property, Plant & Equipment	1,424	1,462	1,481	1,485	1,542
Goodwill	-	24.23	24.23	-	-
Other Intangible Assets	2,249	1,932	1,678	1,392	1,284
Investments in Real Estate	-	-	111.96	136.91	127.51
Accrued Interest Receivable	-	265.87	301.96	256.78	244.95
Other Receivables	70.95	1,120	1,123	883.97	691.1
Restricted Cash	-	-	-	-	2,968
Other Current Assets	10.78	1,852	1,369	1,225	884.46
Long-Term Deferred Tax Assets	1,214	1,364	1,380	1,876	1,392
Other Long-Term Assets	2,675	92.02	126.38	3,297	2,632
Total Assets	280,253	245,957	226,981	209,892	198,373
Accrued Expenses	-	857.32	802.87	623.71	777.84
Interest Bearing Deposits	37,924	36,780	37,251	39,855	10,025
Non-Interest Bearing Deposits	190,175	163,206	148,048	133,986	147,676
Total Deposits	228,099	199,986	185,300	173,841	157,701
Short-Term Borrowings	2,822	1,463	1,076	624.77	1,647
Current Portion of Long-Term Debt	-	3,859	1,586	2,265	4,632
Current Portion of Leases	-	159.22	159.54	158.53	115.14
Current Income Taxes Payable	114.49	238.28	201.18	571.46	61.91
Other Current Liabilities	1,692	1,160	1,303	1,538	1,923
Long-Term Debt	17,744	13,007	14,319	11,949	13,499
Long-Term Leases	652.76	577.56	696.19	801.79	841.7
Long-Term Unearned Revenue	-	296.3	302.86	351.13	396.53
Long-Term Deferred Tax Liabilities	-	-	-	-	0.09
Other Long-Term Liabilities	7,720	6,586	7,496	4,453	3,059
Total Liabilities	258,844	228,190	213,243	197,177	184,655
Common Stock	170.1	169.99	169.86	169.73	169.54
Additional Paid-In Capital	3,467	3,456	3,446	3,435	3,424
Retained Earnings	16,299	12,786	10,543	10,519	11,222
Comprehensive Income & Other	1,473	1,355	-423.88	-1,411	-1,099
Total Common Equity	21,409	17,767	13,735	12,713	13,716
Minority Interest	-	-	2.04	2.03	1.87
Shareholders' Equity	21,409	17,767	13,737	12,715	13,718
Total Liabilities & Equity	280,253	245,957	226,981	209,892	198,373
Total Debt	21,219	19,066	17,837	15,799	20,735
Net Cash (Debt)	24,765	19,701	21,265	4,313	-2,778
Net Cash Growth	25.70%	-7.35%	393.08%	-	-
Net Cash Per Share	581.90	463.10	500.10	101.71	-65.56
Filing Date Shares Outstanding	42.53	42.5	42.47	42.43	42.38
Total Common Shares Outstanding	42.53	42.5	42.47	42.43	42.38
Book Value Per Share	503.44	418.08	323.45	299.60	323.61
Tangible Book Value	19,161	15,810	12,033	11,321	12,432
Tangible Book Value Per Share	450.56	372.03	283.37	266.80	293.31

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