Investor presentation

mBank Hipoteczny has been operating on the Polish market since 1999, remaining a leading issuer of mortgage covered bonds.

For over 25 years, the bank has actively supported the development of mortgage banking in Poland. It has participated in legislative work, contributed to working groups, and consulted with public institutions on regulatory changes aimed at enabling more dynamic growth of mortgage banks.

One of its most significant achievements was the introduction of an innovative cooperation model with its parent universal bank. This model allows mBank Hipoteczny to acquire mortgage loan portfolios and refinance them through the issuance of covered bonds.

Key achievements:

• The first post-war issue of mortgage covered bonds
• The first issue of public covered bonds in Central and Eastern Europe
• A pioneer model for the transfer of receivables from the universal bank to the mortgage bank
• The issue of covered bonds with the longest maturity on the Polish market (15 years)
• The first issue of fixed interest rate mortgage covered bonds on the Polish market
• The biggest issue of mortgage covered bonds in PLN (PLN 1 billion)
• 300 mn EUR inaugural issue of covered bonds under International Programme

Today, mBank Hipoteczny is the second-largest issuer of covered bonds in Poland and continues to actively develop this market.
More information can be found in the Investor Presentation and the News section.