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EBS Mortgage Finance

As part of EBS Group's ongoing funding initiatives and to ensure we will continue to offer competitively priced mortgage products to our customers in the long term, we have established a subsidiary credit institution under the Asset Covered Securities Act 2001. The subsidiary is called EBS Mortgage Finance and is a wholly owned subsidiary of EBS Limited.

EBS Mortgage Finance is regulated by the Central Bank of Ireland as a designated credit institution (DCI) and raises funds under the Asset Covered Securities Act 2001 by issuing asset Covered Securities, commonly referred to as covered bonds. This is not a new way to raise funds many institutions across Europe raise funds in this manner, two other Irish residential mortgage lenders already have covered bond bank subsidiaries.

EBS Mortgage Finance is a rated bank, it has a Fitch Ratings long term senior rating of 'BBB-' , an Issuer Default Rating of 'BBB-' and a short term senior rating of F3.

EBS Mortgage Finance has established a €6,000,000,000 Asset Covered Securities funding programme, the securities issued under this programme are rated Baa3, on review for possible downgrade by Moodys and A-, rating which is negative by Fitch.

EBS Mortgage Finance - Approved Prospectus 23 November 2011

EBS Mortgage Finance - Base Prospectus 14 December 2012

EBS Mortgage Finance - Supplement to the 2012 Base Prospectus, 1 November 2013

EBS Mortgage Finance - Programme Update 2014

EBS Mortgage Finance - Programme Update 2015

EBS Mortgage Finance - Supplement to the 2015 Base Prospectus, 17 February 2016

EBS Mortgage Finance - Supplement to the 2015 Base Prospectus, 20 June 2016

Prudent Market Valuation

Fitch Rating Update

Moody's Rating Update and Surveillance Reports

Investor Reports

EBS Mortgage Finance Accounts for year end

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