corporate · EUR
The current coupon is the rate for the current period according to available data. The benchmark and margin formula comes from issue documents; it does not confirm the current fixing or a conditional margin.
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Interest in the fixed-rate phase is payable annually on 12 September until the call date. Only if the notes are not redeemed are subsequent payments quarterly, starting on 12 December 2026. Dates are subject to the applicable business-day convention.
(b) Interest Payment Date(s): 12 September in each year up to and including the
(a) Specified Period(s)/Specified If not redeemed on the Optional Redemption Date,
The key terms from the issue documents, explained in plain language.
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The currency is EUR. The Final Terms provide for denominations from EUR 100,000, with integral increments of EUR 1,000 up to EUR 199,000 in definitive form. The EUR 1,000 calculation amount is not a standalone note denomination.
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If not redeemed on the Optional Redemption Date, Interest Payment Dates: interest will be payable on each of 12 December 2026, 12 March 2027, 12 June 2027 and the Maturity Date,
(b) Business Day Convention: Modified Following Business Day Convention,
The issuer may exercise the contractual call option on 12 September 2026 at EUR 1,000 per EUR 1,000 calculation amount, with notice within the period specified in the Final Terms. The documents do not confirm exercise of this option.
16. Issuer Call: Applicable
(a) Optional Redemption Date(s): 12 September 2026
(b) Optional Redemption Amount: EUR 1,000 per Calculation Amount
(d) Notice period: Minimum period: 30 days Maximum period: 60 days
If Issuer Call is specified as being applicable in the applicable Final Terms, the Issuer may, having given not less than the minimum period nor more than the maximum period of notice specified in applicable Final Terms to the Noteholders in accordance with Condition 16 (Notices) (which notice shall be irrevocable and shall specify the date fixed for redemption), redeem all or some only of the Notes then outstanding on any Optional Redemption Date and at the Optional Redemption Amount(s) specified in the applicable Final Terms together, if appropriate, with interest accrued to (but excluding) the relevant Optional Redemption Date. Any such redemption must be of a nominal amount not less than the Minimum Redemption Amount and not more than the Maximum Redemption Amount, in each case as may be specified in the applicable Final Terms. In the
These are unsecured Senior Non-Preferred notes, ranking below higher-priority liabilities and equally within their own class. The reviewed documents do not confirm a separate guarantee.
Status: Senior Non-Preferred Notes
This Condition 3.2 is applicable in relation to Notes specified in the applicable Final Terms as being Senior Non-Preferred Notes and references to "Notes" in this Condition 3.2 shall be construed accordingly. In such case, the Notes constitute direct, unconditional and unsecured obligations of the Issuer and subject to any other ranking that may apply as a result of any mandatory provision of law, the rights of the holders of the Notes to payments on or in respect of the Notes shall rank: (a) junior to: (A) any liabilities of the Issuer falling into categories 1 to 5 (inclusive) of the Issuer's liabilities in accordance with art. 440 section 2 of the Insolvency Law; and (B) any other present and future obligations of the Issuer which rank senior to the Senior Non-Preferred Notes in accordance with the Insolvency Law; (b) pari passu among
These are contractual terms. They do not confirm the current coupon, completed payments or the issuer’s financial position.
5. (a) Specified Denominations: EUR 100,000 and integral multiples of EUR 1,000 in
excess thereof up to and including EUR 199,000. No
(b) Calculation Amount: EUR 1,000
The fixed rate is 3.875% per annum until the contractual call date of 12 September 2026. If the notes are not redeemed then, the rate switches to 3M EURIBOR + 1.40 percentage points, with a 0% floor on the overall rate. The documents do not establish the current fixing or whether the call has been exercised.
(a) Rate(s) of Interest: 3.875 per cent. per annum payable in arrear on each
Fixed to Floating Interest Rate Notes due 2027
Reference Rate: 3 month EURIBOR
(g) Margin(s): 1.400 per cent. per annum
(h) Minimum Rate of Interest: 0.00 per cent. per annum
Interest in the fixed-rate phase is payable annually on 12 September until the call date. Only if the notes are not redeemed are subsequent payments quarterly, starting on 12 December 2026. Dates are subject to the applicable business-day convention.
(b) Interest Payment Date(s): 12 September in each year up to and including the
(a) Specified Period(s)/Specified If not redeemed on the Optional Redemption Date,
If not redeemed on the Optional Redemption Date, Interest Payment Dates: interest will be payable on each of 12 December 2026, 12 March 2027, 12 June 2027 and the Maturity Date,
(b) Business Day Convention: Modified Following Business Day Convention,
Contractual maturity is 12 September 2027. Unless previously redeemed or cancelled, the terms provide for repayment at par.
7. Maturity Date: 12 September 2027
9. Redemption Basis: Subject to any purchase and cancellation or early redemption, the Notes will be redeemed at par on the Maturity Date
19. Final Redemption Amount: EUR 1,000 per Calculation Amount
The issuer may exercise the contractual call option on 12 September 2026 at EUR 1,000 per EUR 1,000 calculation amount, with notice within the period specified in the Final Terms. The documents do not confirm exercise of this option.
16. Issuer Call: Applicable
(a) Optional Redemption Date(s): 12 September 2026
(b) Optional Redemption Amount: EUR 1,000 per Calculation Amount
(d) Notice period: Minimum period: 30 days Maximum period: 60 days
If Issuer Call is specified as being applicable in the applicable Final Terms, the Issuer may, having given not less than the minimum period nor more than the maximum period of notice specified in applicable Final Terms to the Noteholders in accordance with Condition 16 (Notices) (which notice shall be irrevocable and shall specify the date fixed for redemption), redeem all or some only of the Notes then outstanding on any Optional Redemption Date and at the Optional Redemption Amount(s) specified in the applicable Final Terms together, if appropriate, with interest accrued to (but excluding) the relevant Optional Redemption Date. Any such redemption must be of a nominal amount not less than the Minimum Redemption Amount and not more than the Maximum Redemption Amount, in each case as may be specified in the applicable Final Terms. In the
The Final Terms mark the ordinary early redemption option at the noteholder's request as “Not Applicable”.
17. Investor Put: Not Applicable
These are unsecured Senior Non-Preferred notes, ranking below higher-priority liabilities and equally within their own class. The reviewed documents do not confirm a separate guarantee.
Status: Senior Non-Preferred Notes
This Condition 3.2 is applicable in relation to Notes specified in the applicable Final Terms as being Senior Non-Preferred Notes and references to "Notes" in this Condition 3.2 shall be construed accordingly. In such case, the Notes constitute direct, unconditional and unsecured obligations of the Issuer and subject to any other ranking that may apply as a result of any mandatory provision of law, the rights of the holders of the Notes to payments on or in respect of the Notes shall rank: (a) junior to: (A) any liabilities of the Issuer falling into categories 1 to 5 (inclusive) of the Issuer's liabilities in accordance with art. 440 section 2 of the Insolvency Law; and (B) any other present and future obligations of the Issuer which rank senior to the Senior Non-Preferred Notes in accordance with the Insolvency Law; (b) pari passu among
Condition 11.3 applies to this class: acceleration is limited to the specified judicial insolvency, liquidation or dissolution events. The documents do not establish whether such an event has occurred.
Events of Default: Condition 11.3 (Events of Default relating to Senior
Save as provided below, there are no events of default under the Senior MREL Notes, Senior Non-Preferred Notes or Senior Subordinated Notes or Tier 2 Subordinated Notes, which could lead to an acceleration of the relevant Senior MREL Notes, Senior Non-Preferred Notes or Senior Subordinated Notes or Tier 2 Subordinated Notes. However, if an order is made by any competent court commencing insolvency proceedings against the Issuer or if any order is made by any competent court or resolution passed for the winding up or dissolution of the Issuer and such order is continuing, then any Holder of a Note may, unless there has been a resolution to the contrary by the Noteholders, by written notice addressed by the Noteholder thereof to the Issuer and delivered to the Issuer and to the specified off
The issuer of legal series 4 (ISIN XS2890435865) is Powszechna Kasa Oszczędności Bank Polski S.A.
Powszechna Kasa Oszczędności Bank Polski S.A.
1. (a) Series Number: 4
(i) ISIN Code: XS2890435865
The series terms select Green Bonds. The prospectus describes the intended allocation of an amount equivalent to the proceeds to eligible assets, but the detailed Green Bond Framework is a separate source; the documents do not confirm actual allocation or asset eligibility.
(i) Reasons for the offer: Green Bonds
The "Use of Proceeds" section of the Base Prospectus shall be deemed deleted and replaced with the following: The net proceeds from each issue of Notes will, unless otherwise specified in the applicable Final Terms, be applied by the Bank as follows: (a) where "General Corporate Purposes" is specified in the applicable Final Terms, for its general corporate purposes; or (b) where "Green Bonds" is specified in the applicable Final Terms, the allocation of an amount equal to the net proceeds from such issue of Notes will be to finance the Eligible Assets Portfolio under the Green Bond Framework published on the Bank's website https://www.pkobp.pl/media_files/76d44986-c3cd-41c5-8ac4-6558c6144d13.pdf. If, in respect of any particular issue, there is a particular identified use of proceeds othe
The Green Bond Framework is not, nor shall it be deemed to be, incorporated in and/or form part of this Base Prospectus. The Green Bond Framework may be amended at any time without the consent of Noteholders and none of the Issuer, the Arranger or the Dealers assumes any obligation or responsibility to release any update or revision to th
The prospectus's negative pledge applies only to Ordinary Senior Notes; this Senior Non-Preferred series does not receive that undertaking. The documents do not confirm the issuer's current compliance with other terms.
Status: Senior Non-Preferred Notes
This Condition 4 is applicable only in relation to Ordinary Senior Notes. So long as any Ordinary Senior Note remains outstanding, the Issuer shall not create or permit to subsist any Security Interest other than a Permitted Security Interest upon the whole or any part of its 63
Security Interest other than a Permitted Security Interest upon the whole or any part of its 63
The Final Terms state that the issue is not intended to be offered, sold or otherwise made available to retail investors in the EEA; no PRIIPs KID has been prepared. The minimum denomination is EUR 100,000. The prospectus also describes potential bail-in and stay resolution powers and conditional substitution or variation of the notes, without evidence that they have been exercised.
PROHIBITION OF SALES TO EEA RETAIL INVESTORS – The Notes are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made available to any retail investor in the European Economic Area (EEA).
Consequently no key information document required by Regulation (EU) No 1286/2014 (as amended, the EU PRIIPs Regulation) for offering or selling the Notes or otherwise making them available to retail investors in the EEA has been prepared and therefore offering or selling the Notes or otherwise making them available to any retail investor in the EEA may be unlawful under the EU PRIIPs Regulation.
These are contractual terms. They do not confirm the current coupon, completed payments or the issuer’s financial position.
5. (a) Specified Denominations: EUR 100,000 and integral multiples of EUR 1,000 in
(b) By its acquisition of the Notes, each Noteholder (including, for these purposes, each holder of a beneficial interest in the Notes): (i) acknowledges, accepts, consents and agrees to be bound by the exercise of any Bail-in and Loss Absorption Powers as may be exercised without any prior notice by the Competent Authority and/or the Relevant Resolution Authority of its decision to exercise such power with respect to such Notes; and (ii) shall be deemed to have authorised, d
12. SUBSTITUTION AND VARIATION If Substitution and Variation is specified in the relevant Final Terms as being applicable to the Notes (other than Ordinary Senior Notes that are not Senior MREL Notes) and (i) a Capital Disqualification Event, (ii) an MREL Disqualification Event or (iii) a circumstance giving rise to the right of the Issuer to redeem the Notes for taxation reasons under Condition 8.2 (Redemption for tax reasons) occurs and is continuing, or to ensure the effectiveness or enforceability of Condition 21 (Acknowledgment of Bail-in and Loss Absorption Powers), the Issuer may substitute all (but not some only) of the Notes (as the case may be) or modify the terms of all (but not some only) of the Notes, without any requirement for the consent or approval of the Noteholders, so that they are substituted for, or varied to, become, or remain, Qualifying Notes, subject to having given not less than 3