Investor Presentaiton slide image

Investor Presentaiton

Stable and growing residential market in Poland House price dynamics in the CEE - very low volatility in Poland index, 2015=100; % 180 14 Euro area - EA19 170 Poland Czech Republic Romania Hungary 12 160 10 8 150 20% 6 140 4 130 120 20 110 -2 100 90 80 Q1/10 Q1/11 Q1/12 Q1/13 Q1/14 Q1/15 Q1/16 Q1/17 Q1/18 Q1/19 -4 Quartile 1-3 Median -6 -8 Poland Residential prices on secondary primary and market in Poland remains stable trough the years. Low volatility of house price dynamics driven by strong demand and supply offers significant potential for further growth. Euro Czech Hungary Romania Data Source: Eurostat area Republic Mortgage penetration in Poland remains low while home ownership rates are among the highest in Europe Distribution of population by tenure status in selected countries (data for 2018, in %) Dwellings per 1000 citizens 529 509 26 454 459 467 479 490 47 ■ Owner 381 % 100 12 90 80 16 26 15 21 S 8 70 21 60 21 29 21 24 45 49 50 55 ■Rental 95 40 72 76 39 3220 30 58 47 17 ■Mortgage loan 30 10 14 Romania POLAND Hungary Czech Spain Austria Denmark Republic Source: Eurostat m POLAND Hungary Denmark Czech Belgium EU 28 Germany France Republic Source: Deloitte Property Index 2018 mBank Hipoteczny Covered bonds Cover Pool Polish Economy Real estate market Legislation 44
View entire presentation