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Geschäftsbericht 2014, englisch

münchener Hypothekenbank eg | annual report 201476 Notes PAYMENTS IN ARREARS ON COVERING MORTGAGES 31 Dec. 14 31 Dec. 13 Total amount of payments in arrears for at least 90 days Total amount of these claims inasmuch as the respective amount in arrears is at least 5 percent of the claim Total amount of payments in arrears for at least 90 days Total amount of these claims inasmuch as the respective amount in arrears is at least 5 percent of the claim € 000 € 000 € 000 € 000 Germany 21,621 22,899 22,330 23,179 Switzerland 677 669 5 0 Total - all states 22,298 23,568 22,335 23,179 PUBLIC PFANDBRIEFE OUTSTANDING AND THEIR COVER Discounts based on the vdp credit quality differentiation model were taken into consideration in calculating the cover pool. Nominal value Net present value Risk-adjusted net present value* 31 Dec. 14 31 Dec. 13 31 Dec. 14 31 Dec. 13 31 Dec. 14 31 Dec. 13 € 000 € 000 € 000 € 000 € 000 € 000 Public Pfandbriefe 5,625,812 6,390,644 6,847,318 7,195,524 6,419,550 6,761,247 Cover pool 5,956,157 7,237,038 7,709,340 8,446,058 7,105,746 7,924,701 of which further cover assets 144,000 284,580 207,103 323,637 of which derivatives 44,767 25,879 Over-Collateralisation 330,345 846,394 862,022 1,250,534 686,196 1,163,454 *) Pursuant to Section. 5 (1) no 1 of the Pfandbrief-Net Present Value Directive (PfandBarwertV), the dynamic approach was used to calculate the present value of risk. 31 Dec. 1431 Dec. 13 Germany 21,62122,89922,33023,179 Switzerland 67766950 Total - all states 22,29823,56822,33523,179 31 Dec. 1431 Dec. 1331 Dec. 1431 Dec. 1331 Dec. 1431 Dec. 13 Public Pfandbriefe 5,625,8126,390,6446,847,3187,195,5246,419,5506,761,247 Cover pool 5,956,1577,237,0387,709,3408,446,0587,105,7467,924,701 further cover assets 144,000284,580207,103323,637 derivatives 44,76725,879 Over-Collateralisation 330,345846,394862,0221,250,534686,1961,163,454

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