Green products offered by Bank Pekao S.A.

ECO housing loans with APR 8.41% for variable interest rates / APR 8.06% for periodically fixed interest rates.

The EKO housing loan offer applies to housing loan applications with LtV up to 80%, where the loan is secured by the house that is the subject of the loan, and housing loan applications with LtV up to 90%, where the loan is secured by the residential premises that are the subject of the loan, provided that:

1. purchase/installation of at least one of the following installations:

• solar collectors,
• photovoltaic panels/cells, including energy storage,
• heat pumps,
• central heating boilers using geothermal heating.

2. or the client presents, on the day of submitting the loan application, confirmation of meeting the energy efficiency criteria of the single-family house/mortgaged residential premises in the form of:

• Energy Performance Certificate - in the case of purchase on the secondary market, or

• Designed Energy Performance - in the case of construction or purchase on the primary market, or
• a developer's declaration - in the case of construction or purchase on the primary market,

specifying the EP indicator at a level not exceeding 63 kWh/m2 per year - in the case of a single-family house or 58.50 kWh/m2 per year - in the case of a residential premises in a single-family or multi-family building.

Verification of fulfillment of the purchase/installation condition is carried out:

• in the case of a mortgage loan – based on investment control or valuation report of the credited property constituting security for the loan,
• in the case of a construction and mortgage loan – based on a cost estimate of construction/renovation/finishing works (the cost estimate must be positively verified by the Bank).

You can read more about the conditions for using the EKO loan HERE.

The actual annual interest rate (APR) for a housing loan with variable interest is 8.41%. The calculation was made on 3.04.2025, on a representative example for a loan in PLN.

The actual annual interest rate (APR) for a housing loan with periodically fixed interest is 8.06%. The calculation was made on 3.04.2025, on a representative example for a loan in PLN.

The Bank makes a decision to grant a loan after credit analysis and assessment of creditworthiness. The information contained in the material concerns a loan in PLN and does not constitute an offer within the meaning of Article 66 of the Civil Code.

EKO PEX APR 13.77%

Express Loan offer supporting the financing of consumer investments for pro-ecological purposes. Funds can be used for expenses related to the purchase or installation of:

• renewable energy sources: solar collectors, photovoltaic panels / cells including energy storage
• central heating boilers (excluding coal boilers and eco-pea coal),
• heat pumps and using geothermal heating,
• windows, doors and materials for house and roof insulation,
• passenger cars with electric or hybrid drive and electric motorcycles and scooters, electric bicycles,
• home bio-purification plants,
• ventilation with heat recovery,
• home water treatment plants from own intakes,
• rainwater recovery system.

 For more on the terms of using the EKO PEX loan, see Cost and conditions.

Offer valid until 31.05.2025.

If, within 60 days from the date of conclusion of the loan agreement, you provide the bank with a personalized agreement or invoice confirming that at least 75% of the total loan amount was allocated for ecological purposes, we will reduce the interest rate of the loan by 3 percentage points compared to the interest rate specified in the agreement.

RRSO - the actual annual interest rate of the loan is 13.77%, assuming: total loan amount (excluding credited costs) PLN 24,816, loan taken out for 48 months, variable interest rate 12.99% per annum, total cost of the loan PLN 7,134.11 (including: interest PLN 134.11, fee for maintaining the Przekorzystne Account PLN 0), total amount to be paid PLN 31,950.11, payable in 47 monthly installments of PLN 665.63, 48th balancing installment PLN 665.50. The amount made available to the borrower PLN 24,816.

The calculation was given based on a representative example as of March 20, 2025.

The bank decides to grant a loan after assessing creditworthiness.

The information does not constitute an offer within the meaning of the Civil Code.

Loan with Biznesmax Plus gurantee with up to 20% EU funds subsidy

Loan secured by Biznesmax Plus guarantee is an innovative financial solution, designed to help SMEs and mid-caps carry out their ambitious investment projects and support their needs concerning their cashflow in every phase of their operations.

The subsidy may be used for innovative, eco-friendly or digital transformation projects.

You will find more information on Biznesmax Plus loan  HERE

The decision on granting a loan is based on the assessment of creditworthiness of the Client. 
This information does not constitute an offer in the meaning of the Civil Code.

Investment Loan with Ekomax gurantee with up to 20% EU funds subsidy

Investement loan with Ekomax guarantee, available due to cooperation with Bank Gospodarstwa Krajowego, is an innovative financial solution supported by the Green Guarantee Fund within the European Funds for Modern Economy Program.

Ekomax guarantee is a free of charge loan repayment guarantee for SMEs, supporting investments in energy efficiency i.a. thermal modernization or renewable energy sources.

You will find more on Ekomax loan HERE 

The decision on granting a loan is based on the assessment of creditworthiness of the Client. 
This information does not constitute an offer in the meaning of the Civil Code.

Financing sustainable projects

The Bank's offer includes financing green projects such as RES (renewable energy sources), ecological construction, low-emission transport and promotion of recycling activities. Additionally, the Bank is involved in projects with a significant social impact, e.g. investments in education through schools, development of medical infrastructure (hospitals), or modernization of water and sewage infrastructure and other local government projects. The Bank has a number of types of financing in its offer, including:

• Project finance - loans under such financing are granted to a specially created special purpose vehicle, whose task is to implement a large sustainable project, e.g. construction of a wind farm;
• Targeted financing for investments - investment loans can be used to finance projects related to ESG, e.g. purchase of low-emission vehicles, the purpose of which is to increase the value of fixed assets;
• Real estate financing – construction loans for the construction or expansion of real estate, such as commercial facilities and shopping centers, office buildings, warehouses, distribution centers or housing estates, which meet the criteria of sustainable construction, e.g. have BREEAM or LEED certificates; General financing – a loan granted based on KPIs (Key Performance Indicators) related to sustainable development.

Sustainable Finance Framework

In 2023, Bank Pekao published the Sustainable Finance Framework. This is a document specifying which categories of projects will receive funds from green or sustainable development bonds issued by the Bank. The specified categories are: renewable energy, sustainable construction, clean transport, energy efficiency, sustainable water and sewage management, pollution prevention and control, available basic infrastructure and access to basic services: health care. In order to maintain full transparency, the Sustainable Finance Framework also includes a description of the project verification and selection process, management of funds and allocation, and the principles of reporting on allocation and environmental and social impact.

In 2023, the Bank issued its own green bonds for the first time, worth EUR 500 million.

More information on the Sustainable Finance Framework can be found HERE.

Organization of the issue of sustainable development bonds (ESG)

Bank Pekao actively participates in organizing and offering ESG bond issues of its corporate clients to market investors. The ESG bonds organized by the Bank include:

• green bonds and sustainable development bonds, which require, among other things, preparation of a green/sustainable financing framework and obtaining an opinion from an external environmental auditor (SPO, second party opinion),
• sustainability-linked issues, in the case of which the issuer specifies in the terms of issue the level(s) of key performance indicators (KPIs), e.g. in the area of ​​environmental protection, which it is obliged to meet in the period until the redemption of the bonds,
• ESG-rating linked bonds, in the case of which the margin level is increased if the company's ESG rating, assigned by an external rating agency, decreases.

In addition, Bank Pekao supports issuers for whom it organizes bond issues in preparing for sustainable/green issues through, among others: support in structuring the ESG Financing Framework/Green Bond Framework, assistance in selecting key performance indicators (KPIs) or support in talks with the auditor preparing the SPO.

Syndicated financing

Bank Pekao, acting in syndicates, participates in many financings based on KPIs (Key Performance Indicators). In this way, the Bank increases its involvement in financing sustainable projects and supporting the energy transformation of Clients. KPIs must refer to goals related to sustainable development, and the set SPT (Sustainable Performance Target) goals should be ambitious and measurable.

In the case of such instruments, the loan margin is most often dependent on the achievement of the set goals, and the Borrower is obliged to report the achieved KPI and SPT values ​​annually.

In 2024, the largest syndicated financings concerned:

• Investment loan for renewable energy sources for the leader of the Polish energy industry,
• Investment loan for the leading European manufacturer of electric car chargers,
• Sustainability Linked-Loan for a holding company operating, among others, in in the renewable energy and power engineering segments,
• One of the largest loans for office space in Warsaw this year, with a range of solutions in the field of sustainable construction.

Sustainable Finance One Stop Shop

As part of the cooperation with Pekao Investment Banking S.A. (PIB), the Sustainable Finance One Stop Shop offer was created. The offer is a unique combination of the competences of the ESG team operating at Bank Pekao with the ESG advisory resources from PIB focused on sustainable financing. Bank Pekao acts as the ESG coordinator (manages ESG aspects within financing) and the supplier of ESG products, while PIB offers ESG consulting for corporate clients.

The services provided as part of the offer can be divided into three stages:

• Support before obtaining financing: assessment of preparation for obtaining financing in a sustainable formula and support in developing appropriate solutions in terms of the ESG strategy; consulting in the selection of a sustainable financing formula; preparation of the necessary ESG documentation;
• Support in the transaction process: coordination of the ESG stream (including cooperation with law firms and banks/financial institutions; acceptance of KPIs/SPTs and/or green/social assets; review of legal documentation and ESG standards); structuring of financing in a sustainable formula; support in obtaining a Second Party Opinion (opinion of an independent entity);
• Support after obtaining financing: monitoring compliance with the ESG provisions of the agreement; identification and assessment of ESG risk factors; advisory support in developing reports.