PKO0636 — PKO BP bonds: terms and documents — obligacje.io

PKO BP· PKO0636

corporate · EUR

Current coupon: 4.09%
Maturity: Jun 24, 2036
Denomination in issue terms: €100,000
Accrued interest: No value available from the official source

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.

Parameters

ISIN: XS3404490883
Current coupon: 4.09%
Maturity: Jun 24, 2036
Denomination in issue terms: €100,000
Accrued interest: No value available from the official source
Type: corporate
Market: GPW RR
Coupon: fixed
Outstanding: €500,000,000
Issue date: —
Authorization date: Jul 21, 2026
First listing: Jul 21, 2026

Bond price · PKO0636

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Key information

Prepared with AI — errors or omissions are possible. Check the sources.

When is interest paid?

Interest for series 9 is contractually payable annually on 24 June in the fixed-rate phase until the call date. Only if the call is not exercised do the Final Terms provide for quarterly dates in the floating-rate phase, with the first date on 24 September 2031. This second phase is not presented as an unconditional schedule.

Actual payments and exercise of the call require a separate event history.

Sources and quotations (4)

pko-bp-seria-9-eur-2026.pdf · p. 3Quotation in the document’s original language

(b) Interest Payment Date(s): 24 June in each year up to and including the Optional

pko-bp-seria-9-eur-2026.pdf · p. 4

Can the issuer redeem the bonds early?

The Final Terms for series 9 select an issuer call option on 24 June 2031 at EUR 100,000 per Calculation Amount, with 15–30 days' notice. Calculation Amount is the calculation unit specified in the terms, not automatically the price of a single note in every permitted denomination. The programme terms add procedure and regulatory restrictions; there is no evidence of exercise of the option.

Exercise of the option and any approval by the competent authority have not been established.

Sources and quotations (6)

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

16. Issuer Call: Applicable

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

(a) Optional Redemption Date(s): 24 June 2031

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

(b) Optional Redemption Amount: EUR 100,000 per Calculation Amount

pko-bp-seria-9-eur-2026.pdf · p. 5Quotation in the document’s original language

(d) Notice period: Minimum period: 15days Maximum period: 30 days

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 112Quotation in the document’s original language

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 0068225-0000106 UKEU_AOSHEARMAN: 109 29016755321.11

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

forth in the Base Prospectus dated 20 March 2026 and the supplement to it dated 3 June 2026 which together

How is interest determined?

Series 9 has a fixed rate of 4.090% per annum until the possible call date of 24 June 2031. If it is not redeemed then, the subsequent rate is floating: 3M EURIBOR + 1.300 percentage points, with a 0% floor on the overall interest rate, not on EURIBOR alone. The documents do not determine the future fixing or today's coupon.

The floating-rate phase is conditional; the fixing and current rate require data for the relevant date and information on whether the call has been exercised.

Sources and quotations (6)

pko-bp-seria-9-eur-2026.pdf · p. 3Quotation in the document’s original language

(a) Rate(s) of Interest: 4.090 per cent. per annum payable in arrear on each

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

• Reference Rate: 3 month EURIBOR

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

(g) Margin(s): 1.300 per cent. per annum

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

(h) Minimum Rate of Interest: 0.000 per cent. per annum

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 100Quotation in the document’s original language

If the applicable Final Terms specifies a Minimum Rate of Interest for any Interest Period, then, in the event that the Rate of Interest in respect of such Interest Period determined in accordance with the provisions of paragraph (b) above is less than such Minimum Rate of Interest, the Rate of Interest for such Interest Period shall be such Minimum Rate of Interest. If the applicable Final Terms specifies a Maximum Rate of Interest for

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

forth in the Base Prospectus dated 20 March 2026 and the supplement to it dated 3 June 2026 which together

Investor rights and protection

Can the issuer redeem the bonds early?

Exercise of the option and any approval by the competent authority have not been established.

Sources and quotations (6)

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

16. Issuer Call: Applicable

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

(a) Optional Redemption Date(s): 24 June 2031

pko-bp-seria-9-eur-2026.pdf · p. 4Quotation in the document’s original language

(b) Optional Redemption Amount: EUR 100,000 per Calculation Amount

pko-bp-seria-9-eur-2026.pdf · p. 5Quotation in the document’s original language

(d) Notice period: Minimum period: 15days Maximum period: 30 days

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 112Quotation in the document’s original language

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 0068225-0000106 UKEU_AOSHEARMAN: 109 29016755321.11

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

forth in the Base Prospectus dated 20 March 2026 and the supplement to it dated 3 June 2026 which together

When can an investor demand early redemption?

The Final Terms for series 9 mark the ordinary Investor Put as Not Applicable. The documents therefore do not grant an unrestricted right to demand redemption on any day; the prospectus's separate statutory and regulatory mechanisms are not an ordinary put option.

This review does not assess individual statutory remedies available to a particular holder.

Sources and quotations (2)

pko-bp-seria-9-eur-2026.pdf · p. 5Quotation in the document’s original language

17. Investor Put: Not Applicable

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

forth in the Base Prospectus dated 20 March 2026 and the supplement to it dated 3 June 2026 which together

What security and repayment ranking apply?

Series 9 is unsecured Tier 2 Subordinated debt. The terms of the selected class define its ranking; Tier 2 is subordinated to higher categories of liabilities.

The selected documents do not establish a separate executed guarantee.

Sources and quotations (4)

pko-bp-seria-9-eur-2026.pdf · p. 3Quotation in the document’s original language

• Status: Tier 2 Subordinated Notes

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 71Quotation in the document’s original language

This Condition 3.3 is applicable in relation to Notes specified in the applicable Final Terms as being Senior Subordinated Notes or Tier 2 Subordinated Notes and references to "Notes" in this Condition 3.3 shall be construed accordingly. In such case, the Notes constitute direct, unconditional, unsecured and subordinated obligations of the Issuer and subject to any other ranking that may apply as a result of any mandatory provision of law, upon the insolvency of the Issuer as

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 69

Which breaches give bondholders rights?

Condition 11.3 applies to the selected class for series 9: the prospectus limits acceleration to the specified judicial insolvency, liquidation or dissolution events, rather than a general list of defaults. There is no evidence that such a condition has occurred.

The issuer's current condition and any acceleration have not been assessed.

Sources and quotations (3)

pko-bp-seria-9-eur-2026.pdf · p. 3Quotation in the document’s original language

• Status: Tier 2 Subordinated Notes

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 119Quotation in the document’s original language

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

Issuer and other terms

Who is the issuer?

The issuer of legal series number 9 is Powszechna Kasa Oszczędności Bank Polski S.A. The Final Terms identify the series and the applicable prospectus with the supplement dated 3 June 2026.

Sources and quotations (3)

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

Powszechna Kasa Oszczędności Bank Polski S.A.

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

1. (a) Series Number: 9

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

forth in the Base Prospectus dated 20 March 2026 and the supplement to it dated 3 June 2026 which together

What are the proceeds intended for?

The Final Terms select Green Bonds. The applicable prospectus describes intended allocation to eligible assets, but the detailed Green Bond Framework is a separate source; this does not establish actual allocation or asset compliance.

The external Green Bond Framework and actual allocation have not been reviewed.

Sources and quotations (3)

pko-bp-seria-9-eur-2026.pdf · p. 7Quotation in the document’s original language

(i) Reasons for the offer: Green Bonds

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 129Quotation in the document’s original language

The net proceeds from each issue of Notes will, unless otherwise specified in the applicable Final Terms, be applied by the Issuer 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 Issuer's website https://www.pkobp.pl/media_files/76d44986-c3cd-41c5-8ac4-6558c6144d13.pdf. The Notes referred to as "Green Bonds" are not issued as European Green Bonds in accordance with Regulation 2023/2631 (

What material obligations does the issuer have?

The Condition 4 negative pledge in this prospectus is limited to Ordinary Senior; the selected Tier 2 Subordinated class does not obtain security or the same undertaking from this condition. The other terms for the class remain applicable.

The bank's current compliance with the applicable terms has not been established.

Sources and quotations (4)

pko-bp-seria-9-eur-2026.pdf · p. 3Quotation in the document’s original language

• Status: Tier 2 Subordinated Notes

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 74Quotation in the document’s original language

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 present or future under

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 74

What additional terms need attention?

The Final Terms for series 9 prohibit offers/sales to retail investors in the EEA and state that no PRIIPs KID has been prepared; the denomination threshold is at least EUR 100,000. The prospectus provides for bail-in, stay and conditional substitution or variation of terms following a specified event, without evidence that these powers have been exercised. This document-based warning does not determine any particular investor's eligibility.

The classification of a particular investor and exercise of resolution powers are outside the scope of this review.

Sources and quotations (6)

pko-bp-seria-9-eur-2026.pdf · p. 1Quotation in the document’s original language

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

pko-bp-seria-9-eur-2026.pdf · p. 2Quotation in the document’s original language

5. (a) Specified Denominations: EUR 100,000

PKO Bank Polski EMTN base-2026 dated 2026-03-20 · p. 126

Parameters

Bond price

PKO BP· PKO0636

Parameters

Bond price · PKO0636

Key information

Bond terms

Interest and repayment

What are the denomination and currency?

This series calculator is unavailable

How is interest determined?

When is interest paid?

When and how is principal repaid?

Investor rights and protection

Can the issuer redeem the bonds early?

When can an investor demand early redemption?

What security and repayment ranking apply?

Which breaches give bondholders rights?

Issuer and other terms

Who is the issuer?

What are the proceeds intended for?

What material obligations does the issuer have?

What additional terms need attention?