1.1. Key financial and business data of mBank Group

 

 

2010

2011

2012

2013

2014

YoY change

Key Financials (PLN thou.):

 

 

 

 

 

 

Net Fee & Commission income

1,810,964

2,148,602

2,279,597

2,225,811

2,490,658

11.9%

Net Fee & Commission income

745,919

839,972

786,546

834,738

901,690

8.0%

Total income

3,124,559

3,563,510

3,570,774

3,673,524

3,939,168

7.2%

Total costs (incl. A&D)

-1,617,269

-1,722,913

-1,661,331

-1,678,043

-1,770,565

5.5%

Loan Loss Provisions

-634,779

-373,470

-444,635

-477,778

-515,903

8.0%

Profit before income tax

872,511

1,467,127

1,464,808

1,517,703

1,652,700

8.9%

Net profit attributable to shareholders

641,602

1,134,972

1,197,321

1,206,375

1,286,668

6.7%

 

 

 

 

 

 

 

Balance Sheet (PLN thou.):

 

 

 

 

 

 

Total assets

90,038,831

98,875,647

102,144,983

104,282,761

117,985,822

13.1%

Total liabilities

82,961,546

90,802,982

92,526,062

94,026,323

106,912,844

13.7%

Total equity

7,077,285

8,072,665

9,618,921

10,256,438

11,072,978

8.0%

 

 

 

 

 

 

 

Key Indicators:

 

 

 

 

 

 

Cost/Income ratio

51.8%

48.3%

46.5%

45.7%

44.9%

-

ROE net

11.8%

16.4%

14.6%

13.1%

13.1%

-

NIM

2.2%

2.5%

2.4%

2.2%

2.3%

-

NPL ratio#

5.3%

4.7%

5.2%

6.3%

6.4%

-

Coverage ratio

68.0%

66.2%

64.1%

47.8%

51.9%

-

Core Tier 1 / CET 1* 

10.4%

9.6%

13.0%

14.2%

12.2%

-

CAR / Total Capital Ratio*

15.9%

15.0%

18.7%

19.4%

14.7%

-

Employment (FTE. at the end of period)

6,018

6,294

6,138

6,073

6,318

4.0%

 

 

 

 

 

 

 

Investor & Shareholder Information:

 

 

 

 

 

 

Share capital (PLN thou.)

168,347

168,411

168,556

168,696

168,840

-

Number of shares

42,086,674

42,102,746

42,138,976

42,174,013

42,210,057

0.1%

P/BV

1.9

1.3

1.4

2.1

1.9

-9.4%

 

 

 

 

 

 

 

Business Data:

 

 

 

 

 

 

Retail Banking

 

 

 

 

 

 

No. of customers (thou.)

3,656

3,893

4,134

4,368

4,689

7.3%

Total loans (PLN M)

33,659

38,689

37,704

38,308

41,560

8.5%

Total deposits (PLN M)

25,068

26,701

33,234

34,203

39,285

14.9%

 

 

 

 

 

 

 

Corporate Banking

 

 

 

 

 

 

No. of customers (thou.)

13,271

13,977

15,095

16,333

17,787

8.9%

Total loans (PLN M)

25,574

27,890

28,405

29,475

32,841

11.4%

Total deposits (PLN M)

21,154

27,015

24,249

26,753

32,237

20.5%

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* Since Q4/13 a modified methodology of NPL recognition in retail area has been applied (the NPL ratio is calculated in accordance to a more strict client perspective methodology).

**Since the end of march 2014 capital ratios are calculated according to the rules based on the Basel III.