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mBank

Banking > Poland > mBank
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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

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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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AnnualQuarterly
summary Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

... ...                     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

... ...                     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

... ...                     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

... ...                     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 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 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

... ... ...                   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

... ...                     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

... ...                     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

... ...                     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

... ... ...                   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

... ...                     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

... ...                     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%    

Download Data
other data Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ...             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    

Download Data
Comparison of 18 Banks in Poland

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

Read more »

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
mBank in Numbers

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,

Read more »

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 at a Glance

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

Read more »

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
BRE Bank in Numbers

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

Read more »

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 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.

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.

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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'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

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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'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

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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'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

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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 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