mBank's non-performing loans reached 5.69% of total loans at the end of 2015, down from 6.35% when compared to the previous year. Historically, the NPL ratio hit an all time high of 18.7% in 2002 and an all time low of 2.26% in 2008.
Provision coverage amounted to 64.3% at the end of 2015, up from 56.8% compared to a year earlier.
The bank created loan loss provisions worth of 0.551% of average loans in 2015. That's compared to 0.645% of loans the bank put aside to its cost on average in the last five years.