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ePaper created 2013-04-15, 17:20:51 | version 1.25.7
overview – münchener Hypothekenbank eg l Annual Report 20122 Business Development (in Millions of €) 2012 2011 Change % Lending Business a) Mortgage loans 3,621 3,391 7 aa) Residential property financing 2,959 2,808 5 ab) Commercial property financing 662 583 14 b) Loans to public sector and banks 663 1,449 -54 Total 4,284 4,840 -12 Balance Sheet (in Millions of €) 2012 2011 Change % Total assets 36,643 37,348 -2 Mortage loans 20,986 19,410 8 Loans to public sector and banks 12,139 13,293 -9 MBS 29 69 -58 Pfandbriefe and other promissory notes 30,712 31,511 -3 Liable equity capital 1,161 1,157 0 Income Statement (in Millions of €) 2012 2011 Change % Net interest income less commissions 78 80 -2 Administrative expenses 66 64 3 Results from operations before deducting provisions for risks 11 11 0 Results from operations after deducting provisions for risks 10 7 43 Transfer to the Fund for General Banking Risks -3 -2 50 Net income 5 5 0 Employees (number) 2012 2011 Change % Average number of employees per year 410 375 9 Apprentices 13 12 8 Employees participating in parental leave, early retirement and partial retirement (non-working phase) 20 24 -17 overview