mBank SA (MBK) — Tangible Net Worth Ratio
mBank SA (MBK) has a Tangible Net Worth Ratio of 89.8% as of June 2026. This metric is calculated by deducting intangible assets (zł2.37 Billion) from net assets (zł23.36 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. Also explore MBK shareholders equity momentum to track the company's year-over-year net asset growth rate.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
mBank SA Tangible Net Worth Ratio (2002–2025)
This chart shows how mBank SA's Tangible Net Worth Ratio has changed across 24 annual periods from 2002 to 2025. As of June 2026, the ratio stands at 89.8%, reflecting net assets of zł23.36 Billion with intangible assets of zł2.37 Billion PLN. For live market cap and overall valuation, see market cap of mBank SA.
Annual Tangible Net Worth Ratio for mBank SA (2002–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for mBank SA from 2002 to 2025, covering 24 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. Explore capital reinvestment ratio of mBank SA to see what proportion of operating cash flow is directed to capital expenditures.
| Year | Tangible NW Ratio | Net Assets (PLN) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 89.8% | zł21.71 Billion | zł2.22 Billion | zł280.25 Billion | ▲ +0.6 pp |
| 2024 | 89.1% | zł17.77 Billion | zł1.93 Billion | zł245.96 Billion | ▲ +1.3 pp |
| 2023 | 87.8% | zł13.74 Billion | zł1.68 Billion | zł226.98 Billion | ▼ -1.5 pp |
| 2022 | 89.2% | zł12.72 Billion | zł1.37 Billion | zł209.89 Billion | ▼ -1.6 pp |
| 2021 | 90.8% | zł13.72 Billion | zł1.26 Billion | zł198.37 Billion | ▼ -2.3 pp |
| 2020 | 93.1% | zł16.68 Billion | zł1.15 Billion | zł178.87 Billion | ▼ -1.8 pp |
| 2019 | 94.9% | zł16.12 Billion | zł819.58 Million | zł149.23 Billion | ▲ +0.0 pp |
| 2018 | 94.9% | zł15.17 Billion | zł772.64 Million | zł145.78 Billion | ▼ 0.0 pp |
| 2017 | 94.9% | zł13.97 Billion | zł707.11 Million | zł131.30 Billion | ▼ -0.6 pp |
| 2016 | 95.6% | zł13.05 Billion | zł579.13 Million | zł133.74 Billion | ▼ -0.2 pp |
| 2015 | 95.8% | zł12.27 Billion | zł515.52 Million | zł123.52 Billion | ▼ 0.0 pp |
| 2014 | 95.8% | zł11.07 Billion | zł462.54 Million | zł117.99 Billion | ▲ +0.2 pp |
| 2013 | 95.6% | zł10.26 Billion | zł450.62 Million | zł104.28 Billion | ▲ +0.1 pp |
| 2012 | 95.5% | zł9.62 Billion | zł431.39 Million | zł102.14 Billion | ▲ +0.9 pp |
| 2011 | 94.6% | zł7.99 Billion | zł432.04 Million | zł98.79 Billion | ▲ +0.6 pp |
| 2010 | 94.0% | zł7.08 Billion | zł427.84 Million | zł90.04 Billion | ▲ +4.3 pp |
| 2009 | 89.7% | zł4.27 Billion | zł441.37 Million | zł81.02 Billion | ▲ +0.5 pp |
| 2008 | 89.2% | zł4.05 Billion | zł438.45 Million | zł82.61 Billion | ▲ +1.5 pp |
| 2007 | 87.7% | zł3.08 Billion | zł379.50 Million | zł48.41 Billion | ▲ +2.8 pp |
| 2006 | 84.9% | zł2.35 Billion | zł356.14 Million | zł36.86 Billion | ▲ +4.1 pp |
| 2005 | 80.7% | zł2.11 Billion | zł406.38 Million | zł32.74 Billion | ▲ +1.0 pp |
| 2004 | 79.7% | zł1.92 Billion | zł390.62 Million | zł32.72 Billion | ▼ -4.1 pp |
| 2003 | 83.8% | zł1.70 Billion | zł274.34 Million | zł30.54 Billion | ▲ +1.8 pp |
| 2002 | 82.0% | zł1.70 Billion | zł305.59 Million | zł27.43 Billion | — |