Investor Presentaiton
mBank Hipoteczny quality of the loan portfolio
mBank Hipoteczny NPL ratio significantly below the market level (%)
5.70
3.80
4.34
-1.36 pp
446
2.30
-1.94
0.60
-1.70 pp
Characteristics of the retail portfolio eligible for pooling
Financing the purchase of real estate located in Poland
⚫ LtV at the transfer date does not exceed 100%
First rank joint contractual ordinary mortgage on all property
pledged as collateral
• The remaining term of the loan over 3 years
Suitable internal rating
PLN denominated loans
Polish Banks
mBank Group
Total NPL Ratio (non-fin)
mBank Hipoteczny
•
No delays and defaults
Residential ML NPL Ratio
mBank Hipoteczny NPL by business lines (%)
mBank Hipoteczny Cost of Risk LLP by business lines (bps)
Total NPL Ratio
(non-fin)
Total Cost of
Risk LLP
2.99%
3.59%
3.45%
3.22%
4.71%
4.34%
20
19
19
38
17
38
18,97 19,28
143
CRE
ML
113
80
CRE
ML
10,22
8,65
7,62
6,23
38
42
50
50
0,15
0,31
0,39
0,53
0,46
0,60
2
1
3
2017
2018
2019
2020
2021
2022 HT
2017
2018
2019
2020
2021
Covered Bonds Investor Presentation
8
2022 HI
Source: Management Board Report mBank Hipoteczny S.A. 2022 H1
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