mBank Balance Sheet

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

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	21,973	36,681	36,702	16,251	9,573	3,618
Investment Securities	76,756	70,023	61,483	52,737	56,078	54,186
Trading Asset Securities	1,234	1,057	1,500	2,249	2,406	2,568
Total Investments	77,990	71,080	62,983	54,987	58,484	56,753
Gross Loans	155,854	135,619	125,561	133,409	122,779	113,407
Allowance for Loan Losses	-3,441	-3,567	-3,709	-3,256	-3,179	-3,641
Other Adjustments to Gross Loans	-	-1,967	-2,152	-2,051	-1,050	-717.27
Net Loans	152,412	130,085	119,700	128,102	118,550	109,048
Property, Plant & Equipment	1,371	1,462	1,481	1,485	1,542	1,515
Goodwill	24.23	24.23	24.23	-	-	27.76
Other Intangible Assets	2,042	1,932	1,678	1,392	1,284	1,151
Investments in Real Estate	-	-	111.96	136.91	127.51	-
Accrued Interest Receivable	279.11	265.87	301.96	256.78	244.95	261.69
Other Receivables	712.14	1,120	1,123	883.97	691.1	440.66
Restricted Cash	-	-	-	-	2,968	631.27
Other Current Assets	3,625	1,852	1,369	1,225	884.46	585.65
Long-Term Deferred Tax Assets	984.63	1,364	1,380	1,876	1,392	853.88
Other Long-Term Assets	124.95	92.02	126.38	3,297	2,632	3,986
Total Assets	261,538	245,957	226,981	209,892	198,373	178,872
Accrued Expenses	795.62	857.32	802.87	623.71	777.84	567.43
Interest Bearing Deposits	39,880	36,780	37,251	39,855	10,025	11,256
Non-Interest Bearing Deposits	173,183	163,206	148,048	133,986	147,676	122,838
Total Deposits	213,063	199,986	185,300	173,841	157,701	134,095
Short-Term Borrowings	2,781	1,463	1,076	624.77	1,647	2,131
Current Portion of Long-Term Debt	-	3,859	1,586	2,265	4,632	1,266
Current Portion of Leases	-	159.22	159.54	158.53	115.14	113.07
Current Income Taxes Payable	90.32	238.28	201.18	571.46	61.91	225.8
Other Current Liabilities	2,344	1,160	1,303	1,538	1,923	1,217
Long-Term Debt	14,406	13,007	14,319	11,949	13,499	18,810
Long-Term Leases	683.51	577.56	696.19	801.79	841.7	658.86
Long-Term Unearned Revenue	785.95	296.3	302.86	351.13	396.53	415.28
Pension & Post-Retirement Benefits	40.02	-	-	-	-	30.86
Long-Term Deferred Tax Liabilities	-	-	-	-	0.09	0.69
Other Long-Term Liabilities	6,119	6,586	7,496	4,453	3,059	2,666
Total Liabilities	241,109	228,190	213,243	197,177	184,655	162,197
Common Stock	170.1	169.99	169.86	169.73	169.54	169.47
Additional Paid-In Capital	3,467	3,456	3,446	3,435	3,424	3,418
Retained Earnings	15,223	12,786	10,543	10,519	11,222	12,400
Comprehensive Income & Other	1,570	1,355	-423.88	-1,411	-1,099	685.83
Total Common Equity	20,430	17,767	13,735	12,713	13,716	16,673
Minority Interest	-	-	2.04	2.03	1.87	1.93
Shareholders' Equity	20,430	17,767	13,737	12,715	13,718	16,675
Total Liabilities & Equity	261,538	245,957	226,981	209,892	198,373	178,872
Total Debt	17,871	19,066	17,837	15,799	20,735	22,979
Net Cash (Debt)	9,771	19,701	21,265	4,313	-2,778	-10,388
Net Cash Growth	-12.07%	-7.35%	393.08%	-	-	-
Net Cash Per Share	229.59	463.10	500.10	101.71	-65.56	-245.11
Filing Date Shares Outstanding	42.53	42.5	42.47	42.43	42.38	42.37
Total Common Shares Outstanding	42.53	42.5	42.47	42.43	42.38	42.37
Book Value Per Share	480.41	418.08	323.45	299.60	323.61	393.54
Tangible Book Value	18,364	15,810	12,033	11,321	12,432	15,494
Tangible Book Value Per Share	431.83	372.03	283.37	266.80	293.31	365.72

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