Investor Presentaiton
Investment Highlights
MBANK GROUP & mBANK HIPOTECZNY
mBank Group - 4th largest banking group in Poland (in terms of assets). Well capitalized & liquid universal bank, recognized domestically
and internationally as a mobile-banking icon.
mBank Hipoteczny - longest (20 years) track record of covered bond issuance in the Polish capital market with the equivalent of ca. EUR
1.8bln of covered bonds already outstanding placed on local and international market.
Mortgage covered bonds - rated „Aa3" by Moody's Investors Service: 3 notches above the Polish sovereign rating & 5 notches above the
issuer rating.
The covered bonds will offer a pick-up against Polish EUR Government curve as well as Western European covered bond issuers and
regional peers.
Covered bonds as a part of mBank Group Green Bonds Framework - refinancing tool for green residential mortgages.
The covered bonds from International Programme are expected to feature: ECB eligibility, Level 2A classification for LCR purposes, and
English language documentation.
POLISH ECONOMY & REAL ESTATE MARKET
Poland
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one of EU's most resilient economies with profitable, well-capitalized and attractive banking sector.
Growing, high standard real estate market with attractive prospects for lending growth.
✓ Strong covered bond legal framework: updated in 2016 with the objective of implementing best in class market practices for the benefit
of covered bonds investors.
Growing covered bond market, offering European investors diversification and access to attractive exposures.
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