• mBank Hipoteczny is a significant and frequent issuer with 37%* market share in total outstanding amount of Polish covered bonds with the longest track record on the market.
  *data as of 31.12.2017
• Bank 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.
• 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.

Shareholder: mBank S.A. - 100% share.

The direct parent entity of mBank S.A. is Commerzbank AG - 69,37% share.

Basic information:

mBank Hipoteczny S.A.
ul. Lecha Kaczyńskiego 26
00-609 Warszawa

District Court for the Capital City of Warsaw, Commercial Court of Low, 12th Commercial Division of the National Court Register,
The fully paid-up share capital amounts to PLN 321,000,000.
Number in the Register of Entrepreneurs KRS: 0000003753;

NIP: 526-23-16-250
REGON: 014953634
Kod SWIFT/BIC: RHBHPLPW
FATCA-GIIN: T2B1ED-00001-ME-616
EMIR-LEI: 259400BX0JB4WFBARF57

Statute

Corporate Governance

Disclosure Policy

 Disclosures Regarding Capital Adequacy 2017 

  Disclosures Regarding Capital Adequacy 2016 

  Disclosure Policy of mBank Hipoteczny 

  Disclosures mBankHipoteczny 31-12-2015 

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.