Capital adequacy

We disclose information about capital adequacy in accordance with the principles set out in our information policy. It takes into account EU and national laws, including the requirements of the so-called CRR regulation (Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012), and other Commission (EU) implementing regulations regarding CRR (so-called technical standards), the Banking Law and the Recommendations of the Polish Financial Supervision Authority.

In order to fulfill its disclosure obligations, starting from the reporting year 2019, the Bank publishes the information specified in § 3 of the Disclosure Policy both in the Financial Statements and in the Management Board’s report on the Bank’s operations. These documents are available on the Bank’s website at: https://www.mhipoteczny.pl/en/investor-relations/financial-reports/. The Bank does not prepare a separate disclosure document.

Our information policy defines:

• what information we disclose,
• when we limit the disclosure of information,
• how we check and approve the information being disclosed,
• when and how often we publish information,
• where and in what form we publish information,
• how we verify the information policy.