Changes to the Lending Regulations for corporate banking clients of PKO Bank Polski S.A. effective from 16 November 2026

Key changes to the Lending Regulations

We have added:

• A new product: ProEnergy loan – a loan that combines financing for current business operations with the possibility of reducing the loan margin when achieving targets related to improving energy efficiency.
• The definition of the “Online Service”, which is currently the iPKO biznes electronic banking.
• Provisions concerning making available the funds under an overdraft facility and a multi-currency overdraft facility.
• A provision stating that an amendment to the Regulations consisting solely of changes to the names of services, applications, or products does not require the application of the standard procedure for amending the Regulations. Information about such a change and the date of its implementation will be provided to the Borrower in accordance with the procedure specified in the Bank Account Regulations or in a manner appropriate for notices and declarations arising from and related to the loan agreement.

We have introduced:

• The possibility of applying new reference rates to loan interest calculations, namely POLSTR, POLSTR 1M Compounded Rate, and the Non-Cumulative Compounded Rate, i.e. an interest rate determined for the PLN currency by compounding POLSTR reference rates in accordance with the rules set out in the loan agreement.
• The possibility of a one-off repayment of an investment loan or a non-revolving working capital loan in the case of loans granted for a period of up to 12 months.

The remaining changes are editorial in nature. The full text of the Lending Regulations is available at www.pkobp.pl and at the Corporate Client Service Centre.

What next?

• If you agree with these amendments, you do not need to do anything.
• If you do not agree to the amendments to the Lending Regulations, you may terminate the loan agreement within 14 days of the date on which we delivered this information to you. In such a case, you will be subject to a 30-day notice period. You should repay all liabilities arising from the agreement by the last day of the notice period at the latest. The date of delivery of the amendments to the Lending Regulations shall be deemed to be the 8th day from the date on which we posted this notification in online service.

Do you have any questions?

Please contact your RM or account manager at the Corporate Client Service Centre.