PLN million

2020

2021

2022

2023

2023

Total assets

178,861

198,373

209,892

226,981

245,957

Net loans and advances to customers

108,271

117,677

120,183

113,521

121,419

Amounts due to customers

133,672

157,072

174,131

185,467

200,809

Total equity

16,675

13,718

12,715

13,737

17,767

Net interest income

4,009

4,126

5,924

8,873

9,589

Net fee and commission income

1,508

1,868

2,120

1,916

1,972

Total income

5,867

6,111

7,857

10,802

12,007

Total costs (incl. amortisation)

-2,411

-2,457

-3,319

-3,074

-3,388

Net impairment losses on loans and advances

-1,293

-879

-849

-1,106

-586

Net profit attributable to owners of mBank S.A.

104

-1,179

-703

24

2,243

Net interest margin

2.33%

2.16%

3.71%

4.18%

4.35%

Cost/Income ratio

41.1%

40.2%

42.2%

28.5%

28.2%

Cost of risk

1.20%

0.76%

0.69%

0.93%

0.49%

Return on Equity (ROE)

0.6%

-7.2%

-5.3%

0.2%

14.8%

Return on Assets (ROA)

0.06%

-0.59%

-0.34%

0.01%

0.97%

CET 1 ratio

17.0%

14.2%

13.8%

14.7%

14.5%

Total Capital Ratio

19.9%

16.6%

16.4%

17.0%

15.9%

Loan-to-Deposit ratio

81.0%

74.9%

69.0%

61.2%

60.5%

NPL ratio

4.8%

3.9%

4.0%

4.2%

4.1%

Coverage ratio

58.3%

53.1%

52.2%

54.7%

51.1%

Employment (FTE)

6,688

6,738

7,014

7,319

7,569