Report No. 28/2026

Legal basis:

Article 17(1) of the MAR Regulation

Report content:

The Management Board of PKO Bank Polski S.A. (the “Bank”) hereby announces that on 22 July 2026 the Bank entered into a package of agreements relating to a synthetic securitisation transaction executed on a portfolio of corporate loans with an aggregate nominal value of PLN 8,500 million as at 30 April 2026 (the “Transaction”).

Under the Transaction, the Bank transferred a significant portion of the credit risk associated with the selected securitised portfolio to an entity operating within investment structures of Christofferson, Robb & Company. The selected portfolio of corporate loans subject to the securitisation remains on the Bank’s balance sheet. The transfer of risk relating to the securitised portfolio is effected through a credit protection instrument in the form of a financial guarantee secured by a cash deposit placed with the Bank. The Transaction includes an 18-month revolving period.

The estimated positive impact of the Transaction on the Common Equity Tier 1 (CET1) ratio of the Bank’s Group during the revolving period amounts to approximately 25 basis points, based on the figures reported for the first quarter of 2026.

The Transaction meets the requirements set out in the CRR Regulation regarding the significant credit risk transfer and has been structured to satisfy the criteria for STS (Simple, Transparent and Standardised) securitisation in accordance with Regulation (EU) 2017/2402.

UniCredit Bank GmbH acted as an arranger to the Transaction.