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
Net Interest Income	10,019	9,589	8,288	5,758	4,104
Net Interest Income Growth	4.48%	15.70%	43.95%	40.29%	2.36%
Non-Interest Income	738.5	-1,602	-2,667	-1,117	-430.2
Non-Interest Income Growth	-	-	-	-	-
Revenues Before Loan Losses	10,758	7,987	5,621	4,640	3,674
Provision for Credit Losses	759.8	585.5	946.28	660.89	878.6
Revenue	9,998	7,402	4,675	3,979	2,795
Revenue Growth (YoY)	35.08%	58.32%	17.48%	42.36%	-26.19%
Selling, General & Admin	3,868	3,388	2,745	3,024	2,457
Other Non-Interest Expenses	1,109	1,040	983.69	917.73	929.5
Total Non-Interest Expense	4,977	4,428	3,729	3,942	3,386
Pretax Income	5,021	2,974	897.64	-59.53	-591.2
Provision for Income Taxes	1,477	730.4	868.32	637.2	587.8
Net Income	3,544	2,243	29.32	-696.72	-1,179
Minority Interest in Earnings	0	0.1	-	-	-0.1
Net Income to Common	3,544	2,243	29.32	-696.72	-1,179
Net Income Growth	57.97%	7550.23%	-	-	-
Shares Outstanding (Basic)	43	42	42	42	42
Shares Outstanding (Diluted)	43	43	43	42	42
Shares Change (YoY)	0.05%	0.05%	0.12%	0.05%	0.17%
EPS (Basic)	83.44	52.62	0.69	-16.43	-28.68
EPS (Diluted)	83.34	52.55	0.69	-16.43	-28.68
EPS Growth	58.59%	7515.94%	-	-	-
Free Cash Flow	2,454	-2,025	18,208	6,326	9,864
Free Cash Flow Growth	-	-	187.83%	-35.87%	-
Free Cash Flow Per Share	57.66	-47.60	428.21	148.95	232.35
Profit Margin	35.44%	30.31%	0.63%	-17.51%	-42.17%
FCF Margin	24.55%	-27.36%	389.48%	158.97%	352.87%
Effective Tax Rate	29.42%	24.56%	96.73%	-1070.39%	-99.42%