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mBank Hipoteczny Hipoteczny - issuer track record Crucial milestones in mBank Hipoteczny issuance history RHEINHYP-BRE Bank Hipoteczny SA First issue of Mortgage Covered Bond in Poland (after 1945) 28-06-2000 СЕТО / BONDSPOT First listed Covered Bond in Poland 22-04-2003 BANK HIPOTECZNY First issue of Public Sector Covered Bonds 27-07-2007 mBank Introduction of pooling model First tranche 01-09-2014 mBH: Total Assets 2000 2001 2002 2003 2004 2005 2006 2007 2008-- 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 European Bank for Reconstruction and Development JII European Investment Bank PLN bn 16 000 14 000 12 000 10 000 8 000 6 000 4000 2 000 m Bank Hipoteczny m Bank Hipoteczny m Bank Hipoteczny Bank Hipoteczny m Bank Hipoteczny EBRD invests in 3 series in USD - 15 USD 2 series in EUR - 20 EUR M EIB invests in 2 series in PLN - 300 PLN M 15Y-Covered Bonds longest maturity in Polish market history First fixed-rate Covered Bond in PLN in Polish market history 1 bn PLN biggest Covered Bonds issue in Polish market history 300 m EUR inaugural issue of Covered Bonds under International Programme 300 m EUR second issue of Covered Bonds under International Programme E 2002-2004 2007-2008 02/05-2014 28-04-2016 11-10-2017 26-04-2018 12-11-2019 mGroup Covered bonds Cover Pool Polish Economy Real Estate Market 25 Legislation

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