Bank's ESG products

ECO housing loans with APR 5.71% for variable interest rates / APR 6.61% 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.

Offer valid until June 30, 2026.

For variable interest rates: APR 5.71%

The actual annual percentage rate (APR) of a mortgage loan secured by a mortgage, paid in a single installment, offered by EKO, is 5.71% and was calculated based on the following assumptions: total loan amount: PLN 567,144.67 (excluding loan-financed costs), loan term: 25 years and 4 months (304 monthly installments), client's own contribution: 37.73% of the total cost of the loaned investment, variable loan interest rate of 5.30% per annum (comprising the WIBOR 1M reference rate and the Bank's margin of 1.49%, assuming that throughout the loan term we maintain a savings and checking account for you and that you will receive inflows of no less than PLN 3,000.00 to this account each calendar month from at least one of the following: remuneration from an employment contract/business activity/contracts Civil law contracts/contracts, pensions, annuities, benefits granted by social welfare institutions; equal principal and interest installment of PLN 3,393.80, total amount payable by the consumer PLN 1,052,299.75, total cost of the loan PLN 485,155.08, taking into account the following costs: interest PLN 464,568.92 and costs for: life insurance PLN 9,800.16 (for the first 4 years), insurance of the mortgaged asset (e.g., real estate) against fire and other accidental events according to the offer proposed by Bank Pekao S.A. on behalf of PZU S.A. PLN 10,322.00, monthly fee for a MasterCard Debit FX debit card issued to the bank account PLN 5.00, property inspection fee PLN 440.00, civil law transaction tax on the establishment of a mortgage PLN 19.00. As of June 5, 2026, based on a representative example.

The mandatory security for a residential mortgage loan is a mortgage (on real estate or another asset, e.g., a cooperative ownership right to a property) and an assignment of rights under an insurance contract against fire and other accidental events affecting the mortgaged asset throughout the loan term.

Repayment of a loan with a variable interest rate is associated with the risk of interest rate changes, which, if the interest rate increases, will result in an increase in the installment amount and the total amount payable.

The WIBOR 1M value is used to calculate the interest rate as of the last business day of the calendar month preceding the accounting period for which the loan interest rate is set. The WIBOR 1M reference index is developed and published by the administrator: GPW Benchmark S.A. The values ​​of this index and related documentation are available on the administrator's website: www.gpwbenchmark.pl.

For periodically fixed interest rates: APR 6.61%

The actual annual percentage rate (APR) of a mortgage loan in the EKO offer, secured by a mortgage, paid in a single installment, is 6.61% and was calculated based on the following assumptions: total loan amount PLN 503,338.60 (excluding loan-financed costs), loan term 23 years and 10 months (286 monthly installments), client's down payment: 33.78% of the total cost of the loaned investment, periodically fixed interest rate for a 5-year period of 6.14% per annum, and then variable interest rate of 5.30% per annum (comprising the WIBOR 1M reference rate and the Bank's margin of 1.49% assuming that throughout the entire loan period we maintain a savings and checking account for you and that in each calendar month you will ensure that this account receives inflows of no less than PLN 3,000.00 from at least one of the following: remuneration from an employment contract/business activity/civil law agreements/contracts, retirement pension, disability pension, benefits granted by social welfare institutions; equal principal and interest installment of PLN 3,354.81, the total amount to be paid by the consumer is PLN 929,209.23, the total cost of the loan is PLN 425,870.63, taking into account the following costs: interest PLN 408,252.87 and costs of: life insurance PLN 8,697.60 (for the first 4 years), insurance of the mortgaged item (e.g. real estate) against fire and other random events according to the offer proposed by Bank Pekao S.A. on behalf of PZU S.A. 8 PLN 456.16, monthly fee for a MasterCard Debit FX debit card issued to a bank account PLN 5.00, property inspection fee PLN 440.00, and civil law transaction tax on establishing a mortgage PLN 19.00.

Calculation made as of June 5, 2026, based on a representative example.

The mandatory security for a residential mortgage loan is a mortgage (on real estate or another asset, e.g., a cooperative ownership right).

Bank Pekao S.A. makes the decision to grant the above-mentioned loans after conducting a credit analysis and assessing creditworthiness.

The information provided does not constitute an offer to conclude a contract within the meaning of Article 66 of the Civil Code. The lender is Bank Pekao S.A.

 

Loan for Environmental Purposes APR 14,32%

The Loan offers support for financing consumer investments for environmentally friendly 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-fired and eco-pea coal boilers);
• heat pumps and geothermal heating;
• windows, doors, and materials for home and roof insulation;
• electric or hybrid passenger cars, electric motorcycles and scooters, and electric bicycles;
• domestic bio-purification plants;
• ventilation with heat recovery;
• domestic water treatment plants from own wells;
• rainwater recovery systems.

For more information on the terms and conditions of the Loan for Environmental Purposes, see COSTS and TERMS.

Offer valid until July 7, 2026.

If, within 60 days of concluding the loan agreement, you provide the bank with a personal agreement or invoice confirming that at least 75% of the total loan amount has been allocated for environmental purposes, we will reduce the interest rate by 3 percentage points compared to the interest rate specified in the agreement.

APR - the effective annual percentage rate of the loan is 14.32%, assuming: total loan amount (excluding credited costs) of PLN 12,192, loan term: 32 months, variable interest rate: 13.49% per annum, total loan cost: PLN 2,391.82 (including: interest: PLN 2,391.82, maintenance fee: PLN 0), total amount payable: PLN 14,583.82, payable in 31 monthly installments of PLN 455.74 each, 32nd monthly installment: PLN 455.88. The amount made available to the borrower is PLN 12,192. The calculation was based on a representative example as of May 27, 2026.

The bank decides to grant a loan after assessing creditworthiness.

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

Investment loans with an Ekomax guarantee with a subsidy of up to 20% from EU funds

Investment loans with an Ekomax guarantee, available through cooperation with Bank Gospodarstwa Krajowego, are an innovative financial solution supported by the FENG Green Guarantee Fund under the European Funds for a Modern Economy Program.

The Ekomax guarantee is a free loan repayment guarantee for SMEs, supporting investments in energy efficiency, such as thermal modernization or renewable energy installations.

You can read more about the terms and conditions of the Ekomax loan HERE.

The bank decides to grant a loan after assessing creditworthiness.
This information does not constitute an offer within the meaning of the Civil Code.

 

EFI InvestEU Green Guarantee

A European Investment Fund guarantee securing investment and operational financing (investment loans, working capital loans, overdrafts, loans) for entrepreneurs engaging in pro-ecological projects with a positive environmental impact. The extensive list of qualification criteria includes, among others: Investments in renewable energy sources, green buildings, zero-emission transport, and investments that reduce energy consumption or environmental emissions are also available.

The offer is also available to supply chain participants, i.e., entrepreneurs who are not directly involved in "green" activities but sell goods or provide services to contractors from "green" sectors of the economy. Thanks to the EIF guarantee, Bank Pekao is able to offer financing to clients or projects with a higher degree of risk, while offering a reduced loan margin. This guarantee does not constitute public aid.

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 offering includes financing for green projects such as renewable energy sources (RES), eco-friendly construction, low-emission transport, and promoting recycling. Additionally, the Bank engages in projects with a significant social impact, such as investments in education through schools, the development of medical infrastructure (hospitals), the modernization of water and sewage infrastructure, and other local government projects.

The Bank offers a range of financing options, including:

• Project finance – loans under this type of financing are granted to a specially created special purpose vehicle tasked with implementing a large sustainable project, such as the construction of a wind farm;

• Target-based investment financing – investment loans can be used to finance ESG-related projects, such as the purchase of low-emission vehicles, aimed at increasing the value of fixed assets; Real estate financing – construction loans for the construction or expansion of real estate, such as retail and shopping centers, office buildings, warehouses, distribution centers, or residential developments, that meet sustainable building criteria, such as BREEAM or LEED certifications;

• General financing – loans granted based on sustainability-related KPIs (Key Performance Indicators);

• Transformation support loan – investment loans for financing transformational projects, such as renewable energy sources, energy efficiency, CO₂ emission reduction, and energy storage facilities.

 

Sustainable Finance Framework

Bank Pekao published its Sustainable Finance Framework in 2023. This document specifies the project categories to which funds from the Bank's green or sustainable development bonds will be allocated. The document was updated in March 2026. Compared to the previous version, the Bank's approach to sustainable development has been revised, compliance with the latest versions of the ICMA and LMA guidelines has been achieved, and the scope of compatible categories has been expanded.

Current eligible project categories:

• renewable energy,
• sustainable construction,
• clean transport,
• energy efficiency,
• sustainable water and wastewater management,
• pollution prevention and control,
• accessible basic infrastructure and access to basic services: healthcare,
• sustainable water and wastewater management,
• job creation,
• education,
• culture, sports, and recreation.

To ensure full transparency, the Sustainable Finance Framework also describes the project verification and selection process, resource management and allocation, and reporting principles for allocation and environmental and social impact.

In 2023, the Bank issued its first €500 million worth of green bonds. The full allocation was achieved within the first year of issuance, as confirmed by the report on allocation and environmental impact published in November 2024.

In September 2025, the Bank issued its second €500 million worth of green bonds.

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

 

Organizing Sustainable Development (ESG) Bond Issues

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

green bonds and sustainability bonds, which require, among other things, the development of a green/sustainable financing framework and the obtaining of an opinion from an external environmental auditor (SPO, second-party opinion);

sustainability-linked issues, where the issuer specifies in the terms of the issue the level(s) of key performance indicators (KPIs), e.g., environmental protection, that it is obligated to maintain during the bond's maturity period;

ESG-rating-linked bonds, where the margin is increased if the company's ESG rating, assigned by an external rating agency, is downgraded. Moreover, Bank Pekao supports issuers for whom it organizes bond issues in preparing for sustainable/green issues by, among others, providing support in structuring the ESG Financing Framework/Green Bond Framework, assistance in selecting key performance indicators (KPIs), and support in discussions with the auditor preparing the SOP.

 

Syndicated and bilateral financing based on ESG KPIs

By participating in syndicated financing, Bank Pekao participates in numerous financing projects based on KPIs (Key Performance Indicators). In this way, the Bank not only increases its commitment to financing sustainable projects but also supports clients in the energy transition process and their entire businesses towards more sustainable practices.

KPIs must be related to sustainable development goals, and the Sustainable Performance Targets (SPTs) set should be ambitious and measurable. For such instruments, the loan margin is usually dependent on achieving the set goals, and the borrower is required to report annually on the achieved KPI and SPT values. This type of financing is available regardless of the industry or financing purpose.

In 2025, the largest syndicated financings included:

• Sustainability Linked Loan for a casting and forging manufacturer;
• Sustainability Linked Loan (in the sleeping-SLL formula) for a manufacturer of hygiene products;
• Sustainability Linked Loan for a client in the energy sector;
• Sustainability Linked Loan (in the sleeping-SLL formula) for a client in the joinery industry;

The bank also acts as an ESG Agent for this type of financing, coordinating and supporting the client throughout the entire process, from structuring to reporting.

 

Sustainable Finance One Stop Shop

As part of our collaboration with Pekao Investment Banking S.A. (PIB), the Sustainable Finance One Stop Shop was created. The offer uniquely combines the expertise of Bank Pekao's ESG team with PIB's ESG advisory resources focused on sustainable finance. Bank Pekao serves as the ESG coordinator (managing ESG aspects of financing) and ESG product provider, while PIB offers ESG consulting for corporate clients.

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

• Pre-financing support: assessment of the preparation for obtaining financing under a sustainable formula and support in developing appropriate solutions in line with the ESG strategy;
• advice on selecting a sustainable financing formula; and preparation of the necessary ESG documentation;
• Support during the transaction process: coordination of the ESG pipeline (including cooperation with law firms and banks/financial institutions; approval of KPIs/SPTs and/or green/social assets; review of legal documentation and ESG standards); structuring of sustainable financing; support in obtaining a Second Party Opinion (an independent opinion); post-financing support: monitoring contract compliance with ESG provisions; identification and assessment of ESG risk factors; advisory support in developing reports.