mBank Income Statement

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

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Interest Income on Loans	13,746	14,194	14,257	14,523	9,094	3,970
Interest Income on Investments	478.08	405.08	280.09	313.27	177.25	488.83
Total Interest Income	14,224	14,599	14,538	14,836	9,271	4,459
Interest Paid on Deposits	4,330	4,571	4,934	5,953	3,342	327.69
Net Interest Income	9,893	10,027	9,603	8,883	5,929	4,131
Net Interest Income Growth	-2.26%	4.42%	8.11%	49.82%	43.52%	2.92%
Income From Trading Activities	144.67	82.67	176.68	73.34	97.2	96.89
Gain (Loss) on Sale of Assets	3.54	43.54	21.91	29.03	44.82	31.21
Gain (Loss) on Sale of Investments	165.57	118.57	95.04	-26.45	-144.06	98.3
Other Non-Interest Income	2,523	2,477	2,323	2,113	2,274	1,977
Total Non-Interest Income	2,837	2,722	2,617	2,189	2,271	2,204
Non-Interest Income Growth	10.94%	4.00%	19.57%	-3.65%	3.07%	14.68%
Revenues Before Loan Losses	12,730	12,749	12,220	11,072	8,201	6,335
Provision for Loan Losses	694.04	749.04	585.96	1,077	817.97	873.23
Revenue	12,036	12,000	11,634	9,995	7,383	5,462
Revenue Growth	0.10%	3.14%	16.40%	35.38%	35.17%	15.96%
Salaries and Employee Benefits	-	-	-	11.28	-	-
Occupancy Expenses	661.38	651.38	586.63	504.02	467.31	436.25
Selling, General & Administrative	273.66	256.66	219.2	2,518	151.64	135.73
Other Non-Interest Expense	4,184	3,991	3,512	1,058	3,726	2,704
Total Non-Interest Expense	5,135	4,914	4,332	4,091	4,358	3,287
EBT Excluding Unusual Items	6,901	7,086	7,302	5,904	3,025	2,175
Asset Writedown	-49.15	-25.15	-21.16	-25.48	-20.83	-7.94
Legal Settlements	-1,032	-2,040	-4,307	-4,908	-3,112	-2,758
Pretax Income	5,820	5,021	2,974	970.59	-108.02	-591.03
Income Tax Expense	1,928	1,477	730.36	946.53	594.51	587.78
Earnings From Continuing Operations	3,892	3,544	2,243	24.06	-702.53	-1,179
Minority Interest in Earnings	-	-	-0.12	-0	-0.16	0.06
Net Income	3,892	3,544	2,243	24.05	-702.69	-1,179
Net Income to Common	3,892	3,544	2,243	24.05	-702.69	-1,179
Net Income Growth	20.71%	57.97%	9225.87%	-	-	-
Basic Shares Outstanding	43	43	42	42	42	42
Diluted Shares Outstanding	43	43	43	43	42	42
Shares Change	0.05%	0.05%	0.05%	0.28%	0.08%	-0.02%
EPS (Basic)	91.51	83.35	52.80	0.57	-16.57	-27.82
EPS (Diluted)	91.41	83.26	52.73	0.57	-16.57	-27.82
EPS Growth	20.63%	57.90%	9206.03%	-	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Effective Tax Rate	33.13%	29.42%	24.56%	97.52%	-	-