• MÜNCHENERHYP 2017
    • Letter from the Board of Management
    • Report of the Supervisory Board
    • Results at a Glance
    • The Members of the Delegates Meeting
    • Executive Management and Bodies
  • MANAGEMENT REPORT
    • ECONOMIC REPORT
      • Overall Economic Conditions
        • Economic Development
        • Financial Markets
        • Property and Property Financing Markets
      • Business Development
        • New Mortgage Business
        • Capital Markets Business
        • Refinancing
      • Asset, Financial and Earnings Situation
        • Balance Sheet Structure
        • Development of Earnings
      • Rating, Sustainability and Regulatory Conditions
        • Rating
        • Sustainability
        • Regulatory Conditions
      • Main Office, Bodies, Committees and Personnel
        • Main office
        • Bodies and Committees
        • Employees
        • Corporate Governance Statement Pursuant to Art. 289f German Commercial Code
    • RISK, OUTLOOK AND OPPORTUNITIES REPORT
      • Risk Report
        • Introduction
        • Counterparty Risk
        • Market Price Risks
        • Liquidity Risks
        • Investment Risk
        • Operational Risks
        • Ability to Bear Risks
        • Use of Finance Instruments for Hedging Purposes
        • Accounting-Based Internal Control and Risk Management Procedures
      • Corporate Planning
      • Outlook – Opportunities and Risks
        • Economic development and financial markets
        • Property and property financing markets
        • Development of business at Münchener Hypothekenbank
        • Disclaimer Regarding Forward-Looking Statements
  • ANNUAL STATEMENT OF ACCOUNTS
    • Balance Sheet
    • Income Statement
    • Statement of Development in Equity Capital and Cash Flow Statement
    • Notes
    • Independent Auditor´s Report
    • Affirmation by the Legal Representatives
    • Annex to Annual Financial Statements Pursuant to Art. 26a para. 1 Sentence 2 of the German Banking Act (KWG)
Corporate Planning

 

MünchenerHyp continues to pursue a growth strategy focused on its residential and commercial property financing activities built on a solid refinancing foundation primarily based on Pfandbriefe and other bonds. The Bank’s overarching strategic goal will continue to be the further strengthening of its earning power and thus its ability to retain profits. The Bank’s strategic planning is focused on measures to improve net interest income and net commission income, increase cost efficiency, and keep risks under control.

The annual adjustment of our business and risk strategy required by the MaRisk defines the formal planning framework for this. Our integrated annual planning process plays a key role in the planning and management of our operations. This process synchronises our sales goals, management of the decentral and central components of our administrative expenses – including our project portfolio – with the outlook for the profit and loss account as it develops over the course of the year. All of the income and expense elements, as well as our ability to bear risks, are continually monitored, or additionally planned on a rolling basis, thereby allowing the Bank to respond appropriately and in a timely manner to fluctuations in earnings or costs.

Planning also includes issues regarding appropriate levels of equity capital – especially in view of meeting supervisory requirements.

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