About the Bank




  • Poland’s largest specialist mortgage bank in terms of total assets, total loans volume and outstanding covered bonds. Operates
    in two business lines retail, focused on mortgage lending
    to natural persons and commercial, which conducts financing
    of commercial real estate and residential real estate
    by development companies.
  • The biggest issuer of covered bonds in Poland, with 50.2% market share.
  • It has bulit its strong market position with mBank Hipoteczny
    – the brand identified with professionalism, and top banking services.

The Mission of mBank Hipoteczny is to provide attractive forms of financing for the real estate market combined with top service quality.The Bank’s offer is designed for business entities
and institutional clients investing in purchase, construction or modernisation of commercial real property.

Shareholders: mBank SA - 100% share.


Management Board


Supervisory Board

  • Cezary Kocik - Chairman of the Supervisory Board
  • Lidia Jabłonowska-Luba - Vice-Chairman of the Supervisory Board
  • Frank Bock - Member of the Supervisory Board
  • Andreas Boeger - Member of the Supervisory Board
  • Jakub Fast - Member of the Supervisory Board
  • Paweł Graniewski - Member of the Supervisory Board
  • Michał Popiołek - Member of the Supervisory Board
  • Mariusz Tokarski - Member of the Supervisory Board

Corporate Governance



Mortgage banks versus universal banks

Mortgage banks are specialist banks and act on a slightly different basis than the universal banks.

The most important elements differentiating the mortgage bank from the universal bank are as follows:

  • Limiting activities activities of the bank to the granting of mortgage loans and purchase of mortgage-secured receivables from other banks.
  • Exclusive right to issue covered bonds , which are the source of refinancing the lending activity of the bank.
  • The need to prepare an appraisal according to the mortgage lending value accounting for the trends prevailing on real estate market and specifying the value of real estate in a long-term perspective.
  • The special manner of performing supervision supervision by the Polish Financial Supervision Authority and independent Trustees.

Bankruptcy privilege privilege that guarantees the bank, in case of its bankruptcy, satisfaction, as first, of the claims of mortgage bond holders.