Half Year 2025 mBank SA Earnings Call Transcript
Good afternoon, ladies and gentlemen. Welcome to our conference where we will present the results of mBank Group in the first half of 2025. The speakers today are Mr. Cezary Kocik, Chief Executive Officer; and Mr. Pascal Ruhland, Chief Financial Officer.
The cost of legal risk related to FX loans is going down each quarter. We are successfully reducing the risk related to this portfolio. This achievement highlights the strong performance of mBank in the first half 2025. We are confident about our ability to build on this momentum going forward.
In first half 2025, we were focused on the expansion of our business volume. The sales of mortgage loans increased by one-third on a year-on-year basis; while on a quarterly basis, it increased by 48%. The vast majority of zloty-denominated mortgages sold in first half were fixed rated, with monthly share ranging from 74% to 84%. As a
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