Geschäftsbericht 2015, englisch

Notes münchener Hypothekenbank eg | annual report 2015 PAYMENTS IN ARREARS ON COVERING MORTGAGES 31 Dec. 15 31 Dec. 14 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 30,264 32,409 21,621 22,899 Switzerland 1,268 1,246 677 669 Total - all states 31,532 33,655 22,298 23,568 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. 15 31 Dec. 14 31 Dec. 15 31 Dec. 14 31 Dec. 15 31 Dec. 14 € 000 € 000 € 000 € 000 € 000 € 000 Public Pfandbriefe 5,023,284 5,625,812 5,978,874 6,847,318 5,615,311 6,419,550 Cover pool 5,087,872 5,956,157 6,452,905 7,709,340 5,977,512 7,105,746 of which further cover assets 142,000 144,000 149,073 207,103 of which derivatives 0 0 40,464 44,767 Over-Collateralisation 64,588 330,345 474,031 862,022 362,201 686,196 * 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. 72 31 Dec. 1531 Dec. 14 Germany 30,26432,40921,62122,899 Switzerland 1,2681,246677669 Total - all states 31,53233,65522,29823,568 31 Dec. 1531 Dec. 1431 Dec. 1531 Dec. 1431 Dec. 1531 Dec. 14 Public Pfandbriefe 5,023,2845,625,8125,978,8746,847,3185,615,3116,419,550 Cover pool 5,087,8725,956,1576,452,9057,709,3405,977,5127,105,746 further cover assets 142,000144,000149,073207,103 derivatives 0040,46444,767 Over-Collateralisation 64,588330,345474,031862,022362,201686,196

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