mBank S.A. (WSE:MBK)

mBank Income Statement

Financials in millions PLN. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	14,671	14,257	14,523	9,094	3,970	4,207
Interest Income on Investments	254.75	280.09	313.27	177.25	488.83	486
Total Interest Income	14,926	14,538	14,836	9,271	4,459	4,693
Interest Paid on Deposits	4,892	4,934	5,953	3,342	327.69	679.05
Net Interest Income	10,033	9,603	8,883	5,929	4,131	4,014
Net Interest Income Growth (YoY)	9.55%	8.11%	49.82%	43.52%	2.92%	0.18%
Income From Trading Activities	230.4	176.68	73.34	97.2	96.89	184.75
Gain (Loss) on Sale of Assets	52.19	21.91	29.03	44.82	31.21	27.62
Gain (Loss) on Sale of Investments	79.64	76.59	-26.45	-144.06	98.3	109.1
Other Non-Interest Income	2,429	2,323	2,113	2,274	1,977	1,600
Total Non-Interest Income	2,792	2,599	2,189	2,271	2,204	1,922
Non-Interest Income Growth (YoY)	18.83%	18.73%	-3.65%	3.07%	14.68%	18.47%
Revenues Before Loan Losses	12,825	12,202	11,072	8,201	6,335	5,936
Provision for Loan Losses	654.58	585.96	1,077	817.97	873.23	1,226
Revenue	12,170	11,616	9,995	7,383	5,462	4,710
Revenue Growth (YoY)	15.22%	16.22%	35.38%	35.17%	15.96%	-4.20%
Salaries and Employee Benefits	14.71	14.71	11.28	-	-	-
Occupancy Expenses	623.88	586.63	504.02	467.31	436.25	430.63
Selling, General & Administrative	2,749	2,739	2,518	151.64	135.73	128.27
Other Non-Interest Expense	1,281	974.01	1,058	3,726	2,704	2,509
Total Non-Interest Expense	4,668	4,314	4,091	4,358	3,287	3,078
EBT Excluding Unusual Items	7,503	7,302	5,904	3,025	2,175	1,632
Asset Writedown	14.1	-21.16	-25.48	-20.83	-7.94	-0.99
Legal Settlements	-3,272	-4,307	-4,908	-3,112	-2,758	-1,022
Pretax Income	4,244	2,974	970.59	-108.02	-591.03	609.73
Income Tax Expense	1,020	730.36	946.53	594.51	587.78	505.97
Earnings From Continuing Operations	3,224	2,243	24.06	-702.53	-1,179	103.76
Minority Interest in Earnings	-0.05	-0.12	-0	-0.16	0.06	0.07
Net Income	3,224	2,243	24.05	-702.69	-1,179	103.83
Net Income to Common	3,224	2,243	24.05	-702.69	-1,179	103.83
Net Income Growth	454.80%	9225.87%	-	-	-	-89.72%
Basic Shares Outstanding	42	42	42	42	42	42
Diluted Shares Outstanding	43	43	43	42	42	42
Shares Change (YoY)	0.04%	0.05%	0.28%	0.08%	-0.02%	0.05%
EPS (Basic)	75.86	52.80	0.57	-16.57	-27.82	2.45
EPS (Diluted)	75.77	52.73	0.57	-16.57	-27.82	2.45
EPS Growth	454.74%	9206.03%	-	-	-	-89.73%
Effective Tax Rate	24.04%	24.56%	97.52%	-	-	82.98%

Updated Feb 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.