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Geschäftsbericht 2014, englisch

overview Business Development (in Millions of €)* 2014 2013 Change % Lending Business a) Mortgage loans 4,436 3,618 23 aa) Residential property financing 3,678 2,879 28 ab) Commercial property financing 758 739 3 b) Loans to public sector and banks 861 552 56 Total 5,297 4,170 27 Balance Sheet (in Millions of €)* 2014 2013 Change % Total assets 36,340 34,899 4 Mortage loans 23,556 21,522 9 Loans to public sector and banks 9,421 10,271 -8 MBS 8 13 -38 Pfandbriefe and other bonds 31,117 31,048 0 Liable equity capital 1,378 1,251 10 Income Statement (in Millions of €)* 2014 2013 Change % Net interest income and net commission income 111 94 17 Administrative expenses 82 74 11 Results from operations before deducting provisions for risks 27 22 21 Results from operations after deducting provisions for risks 27 21 29 Transfer to the Fund for General Banking Risks -5 -5 0 Net income 16 7 129 Employees (number) 2014 2013 Change % Average number of employees per year 462 436 6 Apprentices 18 15 20 Employees participating in parental leave, early retirement and partial retirement (non-working phase) 25 22 14 * Amounts have been rounded overview Imprint2 93münchener Hypothekenbank eg | annual report 2014 Imprint Published by © Münchener Hypothekenbank eG Karl-Scharnagl-Ring 10 | 80539 Munich Registergericht Gen.-Reg. 396 coordination Board of Management Staff | Organisation | 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 Tommy Lösch Disclaimer regarding forward-looking statements This Annual Report contains statements concerning future ex- pectations and forecasts. These forward-looking statements, es- pecially those pertaining to the development of MünchenerHyp’s business and income, are based on our planned assumptions and estimates and are subject to risks and uncertainties. There are a number of factors that could affect our business and which are mainly beyond our sphere of influence. These include, above all, economic developments, the state and further development of the financial and capital markets in general and our refinancing conditions in particular, as well as unexpected defaults on the part of our borrowers. Therefore, the actual results and develop- ments may vary from the assumptions that have been made today. For this reason they are only valid at the time this report was prepared. 20142013 Change % a) Mortgage loans 4,4363,61823 aa) Residential property financing 3,6782,87928 ab) Commercial property financing 7587393 b) Loans to public sector and banks 86155256 Total 5,2974,17027 20142013 Change % Total assets 36,34034,8994 Mortage loans 23,55621,5229 Loans to public sector and banks 9,42110,271 -8 MBS 813 -38 Pfandbriefe and other bonds 31,11731,0480 Liable equity capital 1,3781,25110 20142013 Change % Net interest income and net commission income 1119417 Administrative expenses 827411 Results from operations before deducting provisions for risks 272221 Results from operations after deducting provisions for risks 272129 Transfer to the Fund for General Banking Risks -5 -50 Net income 167129 20142013 Change % Average number of employees per year 4624366 Apprentices 181520 and partial retirement (non-working phase) 252214

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