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ANNUAL REPORT
2018
Annual report 2017
Annual report 2016
Annual report 2015
Annual report 2014
Annual report 2013
Annual report 2012
Annual report 2011
About mBank Group
Letter from the President of the Management Board of mBank S.A.
mBank
18th birthday with our friends
mBank in 2018
Environment of mBank Group
Strategy of mBank Group
CSR Strategy
Capital and the value creation model
Ethics, values and Compliance
Stakeholders
Our clients
Client approach – facilities
Client data security
Approach to clients and services
Innovativeness is who we are
Complaints
Shareholders
Engaged employees
How we engage our employees
Incentive system
Anti-mobbing policy
Diversity
Ergonomics and safety at work
Supporting the society
Solutions for persons with disabilities
mBank Foundation
WOŚP – We play together!
Respecting the environment
Strong business fundamentals
Summary of the year
Financial results
Changes in the consolidated statement of financial position of mBank Group
Performance of business segments
Activities of subsidiaries of mBank Group
mBank Group funding
Investment spending in 2018
Consolidated financial statements
Consolidated income statement
Consolidated statement of financial position
Consolidated statement of cash flows
Consolidated statement of changes in equity
Consolidated statement of comprehensive income
Notes
Independent Registered Auditor’s Report
Management rules
Corporate governance
Letter of the Chairman of the Supervisory Board
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
Management Board and the Supervisory Board – composition, powers and procedures
Risk management
Risk management foundations and key changes in 2018
Capital adequacy
Risk-prevention culture
Anti-corruption policy
Long-term outlook
Outlook of the banking sector in 2019
ESG areas in mBank’s activity
Short and midterm outlook
Long-term outlook
Print basket
Integrated Report mBank 2018
Print basket
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