Consolidated income statement

Interest income accounted for using the effective interest method

Income similar to interest on financial assets at fair value through profit or loss

Interest expenses

Net interest income

Fee and commission income

Fee and commission expenses

Net fee and commission income

Dividend income

Net trading income, including:

Foreign exchange result

Gains or losses on financial assets and liabilities held for trading

Gains or losses from hedge accounting

Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss

Gains less losses from financial assets and liabilities not measured at fair value through profit or loss and investments in subsidiaries and associates, including:

Gains less losses from debt securities measured at fair value through other comprehensive income

Gains less losses from investments in subsidiaries and associates

Gains less losses from derecognition

Other operating income

Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss

Result on provisions for legal risk related to foreign currency loans

Overhead costs

Depreciation

Other operating expenses

Operating profit

Tax on the Bank’s balance sheet items

Share in profits (losses) of entities under the equity method

Profit before income tax

Income tax expense

Net profit

Net profit attributable to:

– Owners of mBank S.A.

– Non-controlling interests

Net profit attributable to Owners of mBank S.A.

Weighted average number of ordinary shares

Earnings per share (in PLN)

Weighted average number of ordinary shares for diluted earnings

Diluted earnings per share (in PLN)