Bank's ESG products

ECO housing loans with APR 5.68% for variable interest rates / APR 6.25% 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.

For variable interest rates: APR 5.68%

The actual annual percentage rate (APR) of a mortgage loan secured by EKO, paid in a single installment, is 5.68% and was calculated based on the following assumptions: total loan amount: PLN 567,144.67 (excluding loan-related costs), loan term: 25 years and 4 months (304 monthly installments), client's own contribution: 37.73% of the total loan investment cost, variable loan interest rate: 5.27% 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 current and savings account for you and that you maintain an income of at least PLN 3,000.00 in this account each calendar month from at least one of the following sources: 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 3,383.71, total amount to be paid by the consumer is PLN 1,049,232.63, total cost of the loan PLN 482,087.96, taking into account the following costs: interest PLN 461,501.80 and costs of: life insurance PLN 9,800.16 (for the first 4 years), insurance of the mortgaged item (e.g. real estate) against fire and other fortuitous events according to the offer proposed by Bank Pekao S.A. on behalf of PZU S.A. PLN 397.00 (for 12 months), monthly fee for a MasterCard Debit FX debit card issued to the bank account PLN 5.00, property inspection fee PLN 440.00, tax on civil law transactions on the establishment of a mortgage PLN 19.00 PLN

Calculation performed as of July 2, 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 subject to the risk of interest rate changes. If the interest rate increases, this 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.

Offer valid until July 31, 2026.

For a periodically fixed interest rate of 6.25% APR

The actual annual percentage rate (APR) of the EKO mortgage loan secured by a single payment is 6.25% and was calculated based on the following assumptions: total loan amount of PLN 503,338.60 (excluding loan-related costs), loan term of 23 years and 10 months (286 monthly installments), client's down payment of 33.78% of the total cost of the loaned investment, periodically fixed interest rate for a 5-year period of 5.80% per annum, and then variable interest rate. 5.27% per annum (comprising the WIBOR 1M reference rate and the Bank's margin of 1.49%, assuming that throughout the entire loan period we keep 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 contracts/contracts, pension, disability pension, benefits granted by social welfare institutions; equal principal and interest installment of PLN 3,251.67, the total amount to be paid by the consumer is PLN 917,765.12, the total cost of the loan is PLN 414,426.52, taking into account the following costs: interest PLN 396,808.76 and costs of: life insurance PLN 8,697.60 (for the first 4 years), insurance of the mortgaged item (e.g. real estate) from Fire and other fortuitous events according to the offer proposed by Bank Pekao S.A. on behalf of PZU S.A. PLN 352.34 (for 12 months), 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 the establishment of a mortgage PLN 19.00.

Calculation made as of July 23, 2026, based on a representative example. The mandatory security for a residential mortgage loan is a mortgage (on real estate).

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.

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.