mBank Balance Sheet

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

Millions PLN. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	26,247	40,481	36,681	36,702	16,251	9,573
Investment Securities	97,245	82,646	70,023	61,483	52,737	56,078
Trading Asset Securities	2,277	2,619	1,057	1,500	2,249	2,406
Total Investments	99,522	85,265	71,080	62,983	54,987	58,484
Gross Loans	175,669	150,404	135,619	125,561	133,409	122,779
Allowance for Loan Losses	-3,578	-3,556	-3,567	-3,709	-3,256	-3,179
Other Adjustments to Gross Loans	-	-1,653	-1,967	-2,152	-2,051	-1,050
Net Loans	172,091	145,195	130,085	119,700	128,102	118,550
Property, Plant & Equipment	1,328	1,424	1,462	1,481	1,485	1,542
Goodwill	24	24.23	24.23	24.23	-	-
Other Intangible Assets	2,555	2,224	1,932	1,678	1,392	1,284
Investments in Real Estate	-	-	-	111.96	136.91	127.51
Accrued Interest Receivable	273	267.76	265.87	301.96	256.78	244.95
Other Receivables	1,155	1,312	1,120	1,123	883.97	691.1
Restricted Cash	-	-	-	-	-	2,968
Other Current Assets	3,122	2,759	1,852	1,369	1,225	884.46
Long-Term Deferred Tax Assets	956	1,214	1,364	1,380	1,876	1,392
Other Long-Term Assets	105	86.73	92.02	126.38	3,297	2,632
Total Assets	307,378	280,253	245,957	226,981	209,892	198,373

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Accrued Expenses	952	932.16	857.32	802.87	623.71	777.84
Interest Bearing Deposits	44,613	37,924	36,780	37,251	39,855	10,025
Non-Interest Bearing Deposits	208,001	190,175	163,206	148,048	133,986	147,676
Total Deposits	252,614	228,099	199,986	185,300	173,841	157,701
Short-Term Borrowings	2,798	2,822	1,463	1,076	624.77	1,647
Current Portion of Long-Term Debt	-	1,040	3,859	1,586	2,265	4,632
Current Portion of Leases	-	162.44	159.22	159.54	158.53	115.14
Current Income Taxes Payable	782	114.49	238.28	201.18	571.46	61.91
Other Current Liabilities	1,972	1,744	1,160	1,303	1,538	1,923
Long-Term Debt	15,846	16,705	13,007	14,319	11,949	13,499
Long-Term Leases	611	490.32	577.56	696.19	801.79	841.7
Long-Term Unearned Revenue	769	781.67	296.3	302.86	351.13	396.53
Pension & Post-Retirement Benefits	48	49.5	41.55	-	-	-
Long-Term Deferred Tax Liabilities	-	-	-	-	-	0.09
Other Long-Term Liabilities	5,567	5,905	6,545	7,496	4,453	3,059
Total Liabilities	281,959	258,844	228,190	213,243	197,177	184,655

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Common Stock	170	170.1	169.99	169.86	169.73	169.54
Additional Paid-In Capital	3,479	3,467	3,456	3,446	3,435	3,424
Retained Earnings	19,203	16,184	12,786	10,543	10,519	11,222
Comprehensive Income & Other	2,567	1,587	1,355	-423.88	-1,411	-1,099
Total Common Equity	25,419	21,409	17,767	13,735	12,713	13,716
Minority Interest	-	-	-	2.04	2.03	1.87
Shareholders' Equity	25,419	21,409	17,767	13,737	12,715	13,718
Total Liabilities & Equity	307,378	280,253	245,957	226,981	209,892	198,373

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Total Debt	19,255	21,219	19,066	17,837	15,799	20,735
Net Cash (Debt)	15,586	23,097	19,701	21,265	4,313	-2,778
Net Cash Growth	59.52%	17.23%	-7.35%	393.08%	-	-
Net Cash Per Share	366.07	542.66	463.10	500.10	101.71	-65.56
Filing Date Shares Outstanding	42.55	42.53	42.5	42.47	42.43	42.38
Total Common Shares Outstanding	42.55	42.53	42.5	42.47	42.43	42.38
Book Value Per Share	597.42	503.44	418.08	323.45	299.60	323.61
Tangible Book Value	22,840	19,161	15,810	12,033	11,321	12,432
Tangible Book Value Per Share	536.81	450.56	372.03	283.37	266.80	293.31