Investor Presentaiton
Cover Pool - currency and mortgage type split
Increasing share of residential mortgages in cover pool
(nominal value, PLN bn)
5.3
4.1
6.4
3.8
6.9
Residential mortgages (PLN)
Commercial real estate (PLN, EUR, USD)
8.0
7.9
LLL
2.4
1.7
1.2
Characteristics of the portfolio in the future
since 2014 the currency structure of the loan portfolio in mortgage
cover pool was subject to changes resulting from a systematic
growth of the portfolio of retail loans granted only in PLN
from 2022, due to Demerger Plan of mBank Hipoteczny, mBH will
not grant and service loans secured by a mortgage for the
financing of commercial real properties
mBH strategy for the following years is to be EUR issuer covered
by significant increase of residential PLN denominated mortgages
2020
2021
2018
2019
Loan seasoning – residential mortgages
(year)
47.6%
7.5%
13.0%
≤1
(1,2]
23.0%
(2,3]
(3,5]
≥ 5
9.0%
Covered Bonds Investor Presentation
2022H1
Loan seasoning - commercial loans
(year)
80.3%
3.0%
16.7%
(2,3]
(3,5]
≥ 5
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