mBank - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Poland | August 14, 2019
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Excel Sheet

mBank's non-performing loans reached 4.79% of total loans at the end of 2019-06-30, down from 5.15% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.37% in 2014-06-30 and an all time low of 2.21% in 2008-12-31.

Provision coverage amounted to 65.0% at the end of 2019-06-30, up from 64.0% compared to a year earlier.

The bank created loan loss provisions worth of 0.904% of average loans in 2019-06-30. That's compared to 0.810% of loans the bank put aside to its cost on average in the last five years.

Comparing mBank with its closest peers, PKO BP operated at the end of 2019-06-30 with NPL ratio of 4.60% and provision coverage of 77.4%.

You can see all the bank’s data at mBank Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Alior Bank % 10.8% ... ... ... ... ... ...
Bank BGZ BNP Paribas % 7.40% ... ... ... ... ... ...
Bank Handlowy % 3.50% ... ... ... ... ... ...
Bank Millennium % 4.60% 4.60% 4.70% 4.68% 4.50%
Bank Ochrony Srodowiska % 11.9% 13.3% 13.2% 12.4% 13.0%
ING Bank Slaski % 2.82% 3.00% 3.00% 2.83% 2.79%
mBank % 5.15% 5.25% 5.15% 5.18% 4.82%
Pekao SA % 5.72% 5.56% 5.68% 5.83% 5.38%
PKO BP % 5.50% 6.98% 5.71% 5.35% 5.13%
Santander Bank Polska % 5.80% 4.90% 4.80% 4.60% 4.10%
AVERAGE % 6.29% 6.32% 6.23% 6.04% 5.84% 5.67% 5.66% 5.51%