PL
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Annual Report
2017
Annual Report 2016
Annual Report 2015
Annual Report 2014
Annual Report 2013
Annual Report 2012
Annual Report 2011
PL
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mBank
Letter of the President of the Management Board
About the bank
Business model
Capitals and value creation model
Value creation model
Financial capital
Human capital
Intellectual capital
Manufactured capital
Social capital
Natural capital
Ethics and values
mBank’s stakeholders
Our environment
Introduction
mBank with reference to the sector
Macroeconomic environment (by countries)
Regulatory environment
mBank Group with reference to the sector
mBank Group’s market position of segments
Shareholders and capital market
Capitalization and performance of mBank shares
Investor Relations at mBank
mBank’s share in the WSE indices
Recommendations
Ratings of mBank and mBank Hipoteczny
Dividend
Contact for investors
Clients
Our clients
Dialogue with clients
mBank Foundation
Strategy
of mBank
Introduction
Foundations of the mobile Bank strategy
Assumptions and implementation of mBank’s CSR Strategy
Introduction to mBank’s CSR strategy
Goal 1: We want to understand, respect and share our clients’ values
Goal 2: We want to be a responsible leader
Goal 3: We want to build an exceptional team, competence and skills
Goal 4: We want to reduce our environmental footprint
Goal 5: We Want to improve our management approach
Business activity
and financial results
Introduction
Summary of the year
Key financial and operational data
Key performance indicators
Calendar
Awards and distinctions
Profit and loss account of mBank Group
Key information
Income of mBank Group
Costs of mBank Group
Net impairment losses on loans and advances of mBank Group
Contribution of business lines and segments to the financial results
Introduction
Retail Banking
Corporates and Financial Markets
Activities of subsidiaries of mBank Group
mBank Group capital base
mBank Group funding
Consolidated financial statements 2017
Consolidated income statement
Consolidated statement of financial position
Consolidated statement of cash flows
Consolidated statement of changes in equity
Consolidated statement of comprehensive income
Explanatory notes to the consolidated financial statements
Independent Registered Auditor’s Report
Prudential consolidation
Management rules
Corporate Governance
Letter from the Chairman of the Supervisory Board of mBank S.A. to the Shareholders
Application of corporate governance principles
Internal control and risk management systems with regard to the process of preparing financial statements of mBank
Significant blocks of shares
Principles of appointing and dismissing Management Board Members
Principles of amendments to the Company’s By-Laws
General Meeting and shareholder rights
Composition, powers and procedures of the Management Board and the Supervisory Board
mBank’s Diversity Policy
Statements of the Management Board
Human resurces management
mBank’s training system
Ergonomics and security at the workplace
Risk management
Introduction
Risk management foundations
Capital adequacy
Main risks in the mBank Group’s business
Outlook
Introduction
Short-, mid- and long-term perspective
Outlook for the banking sector and mBank for 2018
Additional information
About the report
Tables with non-financial data
GRI Index
Glossary
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mBank Group with reference to the sector
Integrated Report
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Our environment
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mBank with reference to the sector
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mBank Group with reference to the sector
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mBank Group with reference to the Polish banking sector performance in 2017
Net Interest Margin (NIM) *
Cost/Income ratio (incl.
banking
tax)
Return on Assets (RoA)
Return on Equity (RoE)
Loan to Deposit ratio
Costs to Assets
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Regulatory environment
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mBank Group’s market position of segments
