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Poland

mBank Hipoteczny S.A.

al. Armii Ludowej , 26
00-609 Warszawa

http://mhipoteczny.pl/en/investor-r...

mBank Hipoteczny (Bank) is a mortgage Covered Bonds issuer with the longest track record on Polish capital market (first issue in June 2000) and second largest issuer with 36,02% market share of Polish covered bonds market (1H2018).
Bank’s balance sheet size is PLN 12,7bn (1H18), consisting of PLN 4,8bn corporate and PLN 6,1bn residential loans supplemented by liquid securities and other public sector assets.
Bank offers financing of office buildings, retail space and warehouses, logistic centres and services, hotels, and other commercial properties in major Polish cities. Additionally, Bank purchases commercial real estate loans eligible for covered bond refinancing from its parent - mBank.
Residential mortgage loans are sourced with a pooling model under which Bank acquires mortgages granted by mBank through its network of nearly 300 branches and outlets as well as external mortgage loan brokers. All real estate properties are located in Poland and all loans benefit from first rank mortgage claim on property, whose value is conservatively estimated according to mortgage lending valuation process.



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