mBank discloses PLN 78 million risk costs for mBank stock

Published on 10/19/2026 at 09:16 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

The bank booked PLN 78 million of third-quarter legal-risk costs on October 6, 2026. mBank stock costs EUR 324.95 on October 19, 2026 ahead of results.

Legal risk costs shape earnings

mBank booked PLN 78 million of third-quarter legal-risk costs on October 6, 2026.
Net income reached PLN 2.013 billion in the first half of 2026, up 20.90 percent year over year.
mBank stock trades at EUR 324.95 at 9:14 a.m. CEST at Lang & Schwarz on October 19, 2026.
The next quarterly report is scheduled for October 28, 2026.

mBank, PLBRE0000012, Illustration mit AI erstellt.

mBank (ISIN PLBRE0000012) booked PLN 78 million of legal-risk costs in the third quarter of 2026, while its stock was trading at EUR 324.95 in the pre-market at Lang & Schwarz on October 19, 2026. The reserve update leaves the October results as the next major test for earnings quality.

Reserve update sets the context

According to Parkiet, mBank said on October 6, 2026 that the PLN 78 million charge resulted from updated model parameters for foreign-currency loan legal risk. The final amount will be disclosed with the third-quarter financial statements.

Three earnings milestones

The recent earnings path shows three dated steps. On April 30, 2026, mBank reported PLN 953 million of first-quarter net income; on July 29, 2026, first-half net income reached PLN 2.013 billion, up 20.90 percent from the prior year; on October 6, 2026, the bank disclosed PLN 78 million of third-quarter legal-risk costs. These figures are reported by Stockd.

What will the October report show?

The next report will clarify whether the PLN 78 million charge is the final third-quarter legal-risk amount and how it affects net income. mBank's first-half net income of PLN 2.013 billion provides the latest reported earnings base, but the year-over-year comparison also reflects lower legal-risk costs in the prior period.

Reporting date is October 28

mBank's investor calendar lists October 28, 2026 as the date for the third-quarter report and February 4, 2027 for the fourth-quarter report, according to mBank. The October publication should provide the detailed split between operating earnings, provisions and the legal-risk charge.

Stock waits for the earnings detail

The market case now rests on the relationship between reported profit and recurring banking income. The first-half result of PLN 2.013 billion was 20.90 percent higher year over year, while the new PLN 78 million charge adds a specific item for investors to track in the third-quarter release.

At Lang & Schwarz, mBank stock was trading at EUR 324.95 on October 19, 2026 at 9:14 a.m. CEST.

The further course of trading is shown by the continuously updated real-time quote of mBank stock.