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mBank

mBank (formerly known as BRE Bank) is a Poland-based commercial bank. It services large corporations, small and medium-sized enterprises (SMEs), micro-enterprises and private individuals. The Bank’s customer base includes 4.1 million retail customers and 15.1 thousand corporations. The bank was established in 1986 as a small specialised bank, but the bank’s business profile changed substantially in late 2000 when BRE Bank launched its retail banking arm: mBank, the first Internet bank in Poland for mass clients and micro-enterprises. The domestic success of mBank meant that in 2007, the retail banking arm expanded abroad: mBank outlets were set up in the Czech Republic and Slovakia. Apart from offering the traditional banking services, mBank offers a wide range of other services such as leasing, factoring, brokerage and insurance

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Annual Quarterly

summary

Unit

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income statement

Net Interest Income	PLN mil
Total Revenues	PLN mil
Operating Profit	PLN mil
Net Profit	PLN mil

...	...	2,167	2,280	2,226	2,491	2,511
...	...	3,521	3,757	3,884	4,180	4,279
...	...	1,840	1,909	1,995	2,169	2,093
...	...	1,134	1,197	1,206	1,287	1,301

balance sheet

Interbank Loans	PLN mil
Customer Loans	PLN mil
Debt Securities	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Issued Debt Securities	PLN mil

...	...	4,009	3,945	3,471	3,751	1,897
...	...	67,852	66,947	68,210	74,582	78,434
...	...	23,537	23,949	28,455	34,285	34,644
...	...	98,876	135,591	140,183	117,986	123,523
...	...	8,073	9,619	10,256	11,073	12,275
...	...	27,391	21,111	19,224	13,384	12,019
...	...	54,244	57,984	61,674	72,423	81,141
...	...	7,055	11,596	11,620	19,292	16,047

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

...	...	15.0%	13.5%	12.1%	12.1%	11.1%
...	...	1.20%	1.02%	0.875%	0.997%	1.08%
...	...	1.78%	1.58%	1.37%	1.56%	1.81%
...	...	47.7%	49.2%	48.6%	48.1%	51.1%
...	...	15.0%	18.7%	19.4%	14.7%	17.3%
...	...	2.29%	1.94%	1.61%	1.93%	2.08%
...	...	61.6%	60.7%	57.3%	59.6%	58.7%
...	...	23.9%	20.9%	21.5%	21.6%	21.0%
...	...	48.2%	43.7%	42.8%	42.0%	39.1%
...	...	8.16%	7.09%	7.32%	9.39%	9.94%
...	...	125%	115%	111%	103%	96.7%
...	...	68.6%	49.4%	48.7%	63.2%	63.5%
...	...	4.91%	5.23%	6.27%	6.35%	5.69%
...	...	66.2%	69.6%	53.6%	56.8%	64.3%

valuation

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	PLN
Earnings Per Share (EPS)
Book Value Per Share
Dividend Per Share
Price/Earnings (P/E)
Price/Book Value (P/BV)
Dividend Yield	%
Earnings Per Share Growth	%
Book Value Per Share Growth	%

...	...				3,010	4,442	6,977	5,932	3,842
					42.1	42.2	42.2	42.2	42.2
...	...				246	326	499	498	322
...	...				26.9	28.4	28.6	30.5	30.8
...	...				192	228	243	263	291
					0.000	9.99	17.0	0.000	0.000	...
...	...		...	...	9.14	11.5	17.4	16.3	10.5
...	...				1.28	1.43	2.05	1.90	1.11
...	...				0.000%	3.06%	3.41%	0.000%	0.000%	...
...	...	...			50.6%	5.48%	0.719%	6.66%	0.979%
...	...	...			14.0%	19.1%	6.54%	7.96%	10.7%

Download Data

income statement

Unit

1999

2000

2001

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2017

income statement

Interest Income	PLN mil
Interest Cost	PLN mil
Net Interest Income	PLN mil
Net Fee Income	PLN mil
Other Income	PLN mil
Total Revenues	PLN mil
Staff Cost	PLN mil
Depreciation	PLN mil
Other Cost	PLN mil
Operating Cost	PLN mil
Operating Profit	PLN mil
Provisions	PLN mil
Extra and Other Cost	PLN mil
Pre-Tax Profit	PLN mil
Tax	PLN mil
Minorities	PLN mil
Net Profit	PLN mil
Dividends	PLN mil

...	...	3,891	4,523	3,950	3,956	3,661
...	...	1,723	2,244	1,724	1,466	1,149
...	...	2,167	2,280	2,226	2,491	2,511
...	...	840	787	835	902	897
...	...	514	691	823	788	871
...	...	3,521	3,757	3,884	4,180	4,279
...	...	810	808	808	844	855
...	...	209	196	188	190	200
...	...	661	844	892	978	1,131
...	...	1,680	1,848	1,888	2,012	2,186
...	...	1,840	1,909	1,995	2,169	2,093
...	...	373	445	478	516	421
...	...	-0.737	0.000	0.000	0.000	54.2
...	...	1,468	1,465	1,518	1,653	1,618
...	...	324	267	309	363	314
...	...	9.46	0.581	2.60	2.64	2.88
...	...	1,134	1,197	1,206	1,287	1,301
		0.000	421	717	0.000	0.000	...

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	...	19.7%	5.19%	-2.36%	11.9%	0.832%
...	...	...	12.6%	-6.36%	6.13%	8.02%	-0.501%
...	...	...	12.7%	6.72%	3.37%	7.64%	2.37%
...	...	...	3.90%	9.97%	2.19%	6.54%	8.66%
...	...	...	22.1%	3.75%	4.51%	8.68%	-3.47%
...	...	...	68.2%	-0.196%	3.61%	8.89%	-2.11%
...	...	...	76.8%	5.54%	0.756%	6.66%	1.13%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Debit Cards	%
Market Share in Credit Cards	%
Market Share in Branches	%

...	...						6.14%	6.39%	7.00%	7.25%	7.65%
...	...		...		...		7.30%	7.74%	7.95%	8.10%	11.6%
...	...	...	...	...			3.38%	3.37%	3.39%	3.59%	3.73%
...	...	...	...	...	...		14.6%	16.5%	7.78%	7.67%	10.4%
...	...	...	...	...	...	...	16.1%	18.0%	8.45%	8.22%	11.1%
...	...	...	...	...	...	...	9.08%	10.9%	4.76%	4.91%	5.72%
...	...	...	...	...	...		1.67%	1.48%	1.48%	1.72%	1.92%

Download Data

balance sheet

Unit

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

balance sheet

Cash	PLN mil
Interbank Loans	PLN mil
Customer Loans	PLN mil
Retail Loans	PLN mil
Mortgage Loans	PLN mil
Consumer Loans	PLN mil
Corporate Loans	PLN mil
Debt Securities	PLN mil
Fixed Assets	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Of Which Minority Interest	PLN mil
Liabilities	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Retail Deposits	PLN mil
Corporate Deposits	PLN mil
Issued Debt Securities	PLN mil
Other Liabilities	PLN mil

...	...					1,038	4,819	1,650	3,055	5,938
...	...					4,009	3,945	3,471	3,751	1,897
...	...					67,852	66,947	68,210	74,582	78,434
...	...	...	...	...		38,689	37,704	38,308	41,561	46,259
...	...	...	...	...	...	30,942	29,094	28,693	30,511	34,184
...	...	...	...	...	...	7,747	8,610	9,615	11,050	12,075
...	...	...	...	...		27,890	28,405	29,475	32,841	33,447
...	...					23,537	23,949	28,455	34,285	34,644
...	...					1,269	1,210	1,165	1,183	1,264
...	...					98,876	135,591	140,183	117,986	123,523
...	...					8,073	9,619	10,256	11,073	12,275
...	...					23.9	24.5	27.1	29.7	32.6
...	...					90,803	125,972	129,926	106,913	111,248
...	...					27,391	21,111	19,224	13,384	12,019
...	...					54,244	57,984	61,674	72,423	81,141
...	...	...	...	...		26,701	33,234	34,203	39,285	46,117
...	...	...	...	...		27,015	24,249	26,753	32,237	34,424
...	...					7,055	11,596	11,620	19,292	16,047
...	...					2,113	35,282	37,409	1,815	2,041

asset quality

Non-Performing Loans	PLN mil
Gross Loans	PLN mil
Total Provisions	PLN mil

...	...	3,287	3,632	4,424	4,915	4,631
...	...	66,953	69,475	70,582	77,373	81,409
...	...	2,176	2,529	2,371	2,791	2,976

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...	...					14.3%	-1.33%	1.89%	9.34%	5.16%
...	...	...	...	...	...		14.9%	-2.55%	1.60%	8.49%	11.3%
...	...	...	...	...	...	...	17.6%	-5.97%	-1.38%	6.33%	12.0%
...	...	...	...	...	...	...	5.37%	11.1%	11.7%	14.9%	9.27%
...	...	...	...	...	...		9.06%	1.85%	3.77%	11.4%	1.84%
...	...	...					9.81%	37.1%	3.39%	-15.8%	4.69%
...	...	...					14.1%	19.2%	6.63%	7.96%	10.9%
...	...	...					15.0%	6.89%	6.36%	17.4%	12.0%
...	...	...	...	...	...		6.51%	24.5%	2.92%	14.9%	17.4%
...	...	...	...	...	...		27.7%	-10.2%	10.3%	20.5%	6.78%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

...	...					7.38%	7.15%	7.02%	7.18%	7.10%
...	...	...	...	...		10.5%	10.4%	10.6%	10.9%	10.2%
...	...	...	...	...	...	3.61%	4.07%	4.39%	4.74%	4.88%
...	...	...	...	...		7.27%	7.07%	6.91%	7.06%	7.36%
...	...	...	...	...	...	9.70%	9.04%	8.55%	8.57%	8.97%
...	...					7.64%	10.0%	9.97%	7.70%	7.72%
...	...					6.01%	6.24%	6.31%	6.92%	7.28%
...	...	...	...	...		5.59%	6.44%	6.24%	6.48%	6.93%
...	...	...	...	...		13.1%	12.7%	12.8%	14.1%	13.6%

Download Data

ratios

Unit

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	PLN per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

...	...									15.0%	13.5%	12.1%	12.1%	11.1%
...	...									1.20%	1.02%	0.875%	0.997%	1.08%
...	...									1.78%	1.58%	1.37%	1.56%	1.81%
...	...									47.7%	49.2%	48.6%	48.1%	51.1%
...	...									15.0%	18.7%	19.4%	14.7%	17.3%
...	...	...	...	...	...	...	...	...	...	...	...	...	12.2%	14.3%
...	...									2.29%	1.94%	1.61%	1.93%	2.08%
...	...	...								2.14%	1.79%	1.52%	1.83%	1.98%
...	...									4.12%	3.86%	2.86%	3.06%	3.03%
...	...	...								1.98%	2.07%	1.35%	1.24%	1.05%
...	...									0.000%	35.2%	59.4%	0.000%	0.000%	...
...	...									61.6%	60.7%	57.3%	59.6%	58.7%
...	...									23.9%	20.9%	21.5%	21.6%	21.0%
...	...									14.6%	18.4%	21.2%	18.9%	20.3%
...	...	...	...	...						3,618	3,373	3,509	3,398	3,324
...	...	...	...	...						10,727	10,976	11,091	11,134	10,891
...	...									48.2%	43.7%	42.8%	42.0%	39.1%
...	...									8.16%	7.09%	7.32%	9.39%	9.94%
...	...									125%	115%	111%	103%	96.7%
...	...									68.6%	49.4%	48.7%	63.2%	63.5%
...	...									4.91%	5.23%	6.27%	6.35%	5.69%
...	...									66.2%	69.6%	53.6%	56.8%	64.3%
...	...									3.21%	3.78%	3.48%	3.74%	3.79%
...	...									0.587%	0.660%	0.707%	0.723%	0.551%

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other data

Unit

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

other data

Branches
Employees
Clients	mil
Payment Cards	'000
Debit Cards	'000
Credit Cards	'000

...	...	...	...	...	...		232	227	226	258	278
...	...	...	...	...			6,295	6,138	6,073	6,318	6,540
...	...	...	...	...	...		2.80	4.13	4.37	4.69	4.97
...	...	...	...	...	...		4,619	5,485	2,676	2,742	3,575
...	...	...	...	...	...	...	3,988	4,784	2,385	2,445	3,243
...	...	...	...	...	...	...	631	702	292	297	332

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Comparison of 18 Banks in Poland

October 24, 2018

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

mBank in Numbers

September 26, 2018

This Annual statistical dossier offers a summary of mBank's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios,

This Annual statistical dossier offers a summary of mBank's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track mBank's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

BRE Bank at a Glance

November 12, 2013

BRE Bank is a Poland-based commercial bank. It services large corporations, small and medium-sized enterprises (SMEs), micro-enterprises and private individuals. The Bank’s customer base includes 4.1 million retail customers and 15.1 thousand corporations. The bank was established in 1986 as a small specialised bank, but the bank’s business profile changed substantially in late 2000 when BRE Bank launched its retail banking arm: mBank, the first Internet bank in Poland for mass clients and micro-enterprises. The domestic success of mBank meant that in 2007, the retail banking arm expanded abroad: mBank outlets were set up in the Czech Republic and Slovakia. Apart from offering the traditional banking services, BRE Bank offers a wide range of other services such as leasing, factoring, brokerage and insurance.

This report offers a summary of the company's performance in 2001-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector

BRE Bank in Numbers

November 6, 2013

This excel file offers a summary of the company's performance on the annual basis in between 2001-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the file provides a detailed overview of the bank's market position in the comparison with the overall banking sector.

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mBank - Market Share in Mortgage Loans

November 29, 2018

mBank's mortgage loans reached PLN 32,593 mil in 2017, down 7.85% compared to the previous year.

Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.

mBank's mortgage loans reached PLN 32,593 mil in 2017, down 7.85% compared to the previous year.

Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.

mBank accounted for 8.27% of all mortgage loans issued in Poland at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 11.1% in 2008 and an all time low of 5.90% in 2005.

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

mBank - Market Share in Consumer Loans

September 26, 2018

mBank's consumer loans reached PLN 15,550 mil in 2017, up 14.5% compared to the previous year.

Polish banking sector provided consumer loans of PLN 278 bil in 2017, up 6.64% when compared to the last year.

mBank

mBank's consumer loans reached PLN 15,550 mil in 2017, up 14.5% compared to the previous year.

Polish banking sector provided consumer loans of PLN 278 bil in 2017, up 6.64% when compared to the last year.

mBank accounted for 7.16% of all consumer loans issued in Poland at the end of 2017. Historically, the bank’s market share in consumer loans reached an all time high of 7.41% in 2016 and an all time low of 1.94% in 2005.

That's compared to a 7.38% market share the bank held in terms of total assets at the end of 2017.

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

mBank - Market Share in Corporate Loans

September 26, 2018

mBank's corporate loans reached PLN 37,942 mil in 2017, up 11.0% compared to the previous year.

Polish banking sector provided corporate loans of PLN 366 bil in 2017, up 6.11% when compared to the last year.

mBank

mBank's corporate loans reached PLN 37,942 mil in 2017, up 11.0% compared to the previous year.

Polish banking sector provided corporate loans of PLN 366 bil in 2017, up 6.11% when compared to the last year.

mBank accounted for 10.4% of all corporate loans issued in Poland at the end of 2017. Historically, the bank’s market share in corporate loans reached an all time high of 11.6% in 2010 and an all time low of 7.82% in 2005.

That's compared to a 7.38% market share the bank held in terms of total assets at the end of 2017.

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

mBank - Market Share in Bank Loans

September 26, 2018

mBank's customer loans reached PLN 84,476 mil in 2017, up 3.32% compared to the previous year.

Polish banking sector provided customer loans of PLN 1,206 bil in 2017, up 3.69% when compared to the last year.

mBank

mBank's customer loans reached PLN 84,476 mil in 2017, up 3.32% compared to the previous year.

Polish banking sector provided customer loans of PLN 1,206 bil in 2017, up 3.69% when compared to the last year.

mBank accounted for 7.00% of all customer loans issued in Poland at the end of 2017. Historically, the bank’s market share in customer loans reached an all time high of 8.76% in 2008 and an all time low of 5.13% in 2001.

That's compared to a 7.38% market share the bank held in terms of total assets at the end of 2017.

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

See all charts of the company »

mBank's net interest margin rose 2.77% to 2.50% in 4Q2017

mBank's capital adequacy ratio rose 2.54% to 21.0% in 4Q2017

mBank's corporate loans fell 0.903% to PLN 37,942 mil in 4Q2017

mBank's share price (end of period) rose 13.6% to PLN 475 in 4Q2017

mBank's net profit rose 6.94% to PLN 312 mil in 4Q2017

mBank's price/earnings (P/E) rose 11.6% to 18.4 in 4Q2017

mBank's net interest income rose 3.56% to PLN 825 mil in 4Q2017

mBank's costs (as % of assets) rose 1.00% to 1.50% in 4Q2017

mBank's retail deposits rose 4.11% to PLN 55,694 mil in 2017