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ANNUAL REPORT
2019
Annual Report 2018
Annual Report 2017
Annual Report2016
Annual Report 2015
Annual Report 2014
Annual Report 2013
About mBank Group
Letter from the President of the Management Board of mBank S.A.
About mBank
Key information
Business model and value creation model of mBank Group
History
Strategy
„Mobile bank” strategy
CSR Strategy for 2016-2019
Responsible Bank
Ethics, values and compliance
Principles for suppliers
ESG Ratings
Cybersecurity
How do we create value?
mBank
Group
in 2019
Summary of the year
mBank Group’s environment
Macroeconomic environment
Market and regulatory environment
mBank Group’s market position of segments
Shareholders
Innovations
Capital and funding
Structure of own funds including Tier 1 and Tier 2 capital
Dividend
Minimum requirement for own funds and eligible liabilities (MREL)
mBank Group funding
Financial results
Business segments
Retail Banking
Corporates and Financial Markets
Activities of subsidiaries of mBank Group
Investments
Consolidated Financial Statements
Consolidated income statement
Consolidated statement of comprehensive income
Consolidated statement of financial position
Consolidated statement of changes in equity
Consolidated statement of cash flows
Notes
Environment (E)
Management of the environment area
CO2 emission
Restrictions on coal financing
Support for renewable energy sources
Social environment and employees (S)
Our clients
Our approach to client relationships
Client data security
Innovation is our middle name
Complaints
Committed employees
Our employees
How we ensure commitment
Incentive system
Diversity
Ergonomics and security at the workplace
Remuneration principles
Supporting society
Solutions for persons with disabilities
mBank Foundation
Let’s play with WOŚP!
Governance (G)
Corporate governance
Application of corporate governance principles
Internal control and risk management systems with regard to the process of preparing financial statements of mBank
Significant block of shares
General Meeting and shareholder rights
Management Board and Supervisory Board – composition, powers and procedures
Risk management
Risk management foundations
Main risks of mBank Group’s business
Capital adequacy
Policies and procedures
Policies and procedures
Outlook
Growth fuelled by our clients – new strategy for 2020-2023
Pillars of the strategy and main directions of development
Financial targets of mBank Group
Outlook for the bank’s environment and the sector
About the report
About the report
GRI Index
GRI tables
Prints
Integrated Report mBank 2019
Prints
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