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Geschäftsbericht 2013, englisch

Imprint Published by © Münchener Hypothekenbank eG Karl-Scharnagl-Ring 10 | 80539 Munich Registergericht Gen.-Reg. 396 coordination Board of Management Staff and Human Resources Münchener Hypothekenbank eG Concept | Design Hillert und Co. Werbeagentur GmbH Ungererstr. 129 | 80805 Munich www.hillertundco.de Printing deVega Medien GmbH Anwaltinger Strasse 10 | 86165 Augsburg www.deVega.de Photo credits Title page, pages 4, 5, 6, 7, 20, 21, 31 Tommy Lösch Pages 4, 5, 6, 7, 13 Anna McMaster Pages 4, 42 Euroweek, part of GlobalCapital (Awards ceremony) Pages 4, 43 BürgerStiftung München (presenting donation) Pages 5, 21 gettyimages/E+/Nicolas McComber, gettyimages/Westend61 (family in front of house) Pages 5, 43 plainpicture/Martin Barraud, shutterstock/Petr Malyshev (property) Page 43 Steffen Hauser (Awards ceremony) overview Business Development (in Millions of €)* 2013 2012 Change % Lending Business a) Mortgage loans 3,618 3,621 0 aa) Residential property financing 2,879 2,959 -3 ab) Commercial property financing 739 662 12 b) Loans to public sector and banks 552 663 -17 Total 4,170 4,284 -3 Balance Sheet (in Millions of €)* 2013 2012 Change % Total assets 34,899 36,643 -5 Mortage loans 21,522 20,986 3 Loans to public sector and banks 10,271 12,139 -15 MBS 13 29 -55 Pfandbriefe and other bonds 31,048 30,712 1 Liable equity capital 1,251 1,161 8 Income Statement (in Millions of €)* 2013 2012 Change % Net interest income and net commission income 94 78 20 Administrative expenses 74 66 12 Results from operations before deducting provisions for risks 22 11 111 Results from operations after deducting provisions for risks 21 10 110 Transfer to the Fund for General Banking Risks -5 -3 67 Net income 7 5 40 Employees (number) 2013 2012 Change % Average number of employees per year 436 410 6 Apprentices 15 13 15 Employees participating in parental leave, early retirement and partial retirement (non-working phase) 22 20 10 * Amounts have been rounded Imprint 87overview – münchener Hypothekenbank eg l annual report 20132

Overview