PEO0737 — PEKAO bonds: terms and documents — obligacje.io

PEKAO· PEO0737

corporate · EUR

Current coupon: 4.28%
Maturity: Jul 13, 2037
Catalog nominal (per-note value unverified): €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: XS3438593926
Current coupon: 4.28%
Maturity: Jul 13, 2037
Catalog nominal (per-note value unverified): €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 31, 2026
First listing: Jul 31, 2026

Bond price · PEO0737

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Key information

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

When is interest paid?

Fixed interest is payable annually on 13 July, from 2027 until the first issuer call date of 13 July 2032. If the notes are not redeemed, the first floating-rate payment is specified as 13 October 2032, followed by quarterly payments subject to the Modified Following convention.

Sources and quotations (3)

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

(b) Interest Payment Date(s): 13 July in each year commencing on 13 July 2027 up to (and including) the First Optional Redemption Date (c) Fixed Coupon Amount(s) (and in EUR 4,276.00 per Calculation Amount,

bank-pekao-seria-7.pdf · p. 5Quotation in the document’s original language

What security and repayment ranking apply?

These are unsecured, subordinated Tier 2 notes. In insolvency, their principal ranks below liability categories 1–7, equally with other Tier 2 liabilities, and above categories 9–10. The reviewed documents do not establish a separate guarantee.

Sources and quotations (3)

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

• Status: Tier 2 Subordinated Notes

Bank Pekao S.A. EMTN — base-2026 · p. 70Quotation in the document’s original language

unsecured and subordinated obligations of the Issuer and subject to any other ranking that may apply as a result of any

Bank Pekao S.A. EMTN — base-2026 · p. 71Quotation in the document’s original language

Tier 2 Subordinated Notes of the Issuer: (i) junior to (A) any liabilities of the Issuer falling into categories 1 to 7 (inclusive) of the Issuer’s liabilities in accordance with art. 440 section 2 of the Insolvency Law and (B) any other obligations which, by law, rank senior to the Issuer’s obligations under the Tier 2 Subordinated Notes; (ii) pari passu among themselves and with any other subordinated obligations which, by law and/or by their terms, to the extent permitted by Polish law, rank pari passu with the Issuer’s obligations under the Tier 2 Subordinated Notes; and (iii) senior to (A) any liabilities of the Issuer falling into categories 9 and 10 of the Issuer’s liabilities in accordance with art. 440 section 2 of the Insolvency Law and (B) any other subordinated obligations of the Issuer which by law rank junior to the obligations of the Issuer under the Tier 2 Subordinated Notes. Fo

How is interest determined?

Until 13 July 2032, the interest rate is 4.276% per annum. If the notes remain outstanding, the subsequent rate is floating: 3M EURIBOR + 1.45 percentage points per annum, with a 0% floor. The current fixing has not been determined here.

Sources and quotations (4)

bank-pekao-seria-7.pdf · p. 3Quotation in the document’s original language

8. Interest Basis: From (and including) the Issue Date up to (but excluding) the First Optional Redemption Date, the Notes will bear interest at the fixed rate of 4.276 per cent. per annum (see paragraph 13 below) If not redeemed on the First Optional Redemption Date, for the period from (and including) the First Optional Redemption Date up to (but excluding) the Maturity Date, the Notes will bear interest at 3-month

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

(a) Rate(s) of Interest: 4.276 per cent. per annum payable in arrear on each Interest Payment Date up to (but excluding) the First Optional Redemption

bank-pekao-seria-7.pdf · p. 5Quotation in the document’s original language

• Reference Rate: 3-month EURIBOR

bank-pekao-seria-7.pdf · p. 6Quotation in the document’s original language

(i) Margin(s): 1.45 per cent. per annum

When is interest paid?

Sources and quotations (3)

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

(b) Interest Payment Date(s): 13 July in each year commencing on 13 July 2027 up to (and including) the First Optional Redemption Date (c) Fixed Coupon Amount(s) (and in EUR 4,276.00 per Calculation Amount,

bank-pekao-seria-7.pdf · p. 5Quotation in the document’s original language

(a) Specified Period(s)/Specified If not redeemed on the First Optional Interest Payment Dates: Redemption Date, interest will be payable on 13 October 2032 and then, if not redeemed on an Optional Redemption Date other than the First Optional Redemption Date, on a quarterly basis, subject to adjustment in accordance with the Business Day Convention set out in (b) below (b) Business Day Convention: Modified Following Business Day Convention

bank-pekao-seria-7.pdf · p. 5Quotation in the document’s original language

(b) Business Day Convention: Modified Following Business Day

Investor rights and protection

Can the issuer redeem the bonds early?

The issuer may redeem the notes on 13 July 2032 and on the subsequent specified quarterly payment dates, excluding maturity, at EUR 100,000 per EUR 100,000 calculation amount, with 15–45 days' notice. Redemption options for capital disqualification and tax reasons are also selected.

Sources and quotations (5)

bank-pekao-seria-7.pdf · p. 6Quotation in the document’s original language

16. Issuer Call: Applicable (a) Optional Redemption Date(s): 13 July 2032 (the First Optional Redemption Date), and any Specified Interest Payment Date thereafter, except for the Maturity Date (b) Optional Redemption Amount: EUR 100,000 per Calculation Amount

bank-pekao-seria-7.pdf · p. 6Quotation in the document’s original language

Minimum period: 15 days

bank-pekao-seria-7.pdf · p. 6Quotation in the document’s original language

Maximum period: 45 days

bank-pekao-seria-7.pdf · p. 6Quotation in the document’s original language

21. Redemption for tax reasons: Applicable

bank-pekao-seria-7.pdf · p. 6Quotation in the document’s original language

20. Capital Disqualification Event: Applicable

When can an investor demand early redemption?

The series 7 terms mark the noteholder's early redemption option as “Not Applicable”.

Sources and quotations (1)

bank-pekao-seria-7.pdf · p. 6Quotation in the document’s original language

17. Investor Put: Not Applicable

What security and repayment ranking apply?

Sources and quotations (3)

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

• Status: Tier 2 Subordinated Notes

Bank Pekao S.A. EMTN — base-2026 · p. 70Quotation in the document’s original language

unsecured and subordinated obligations of the Issuer and subject to any other ranking that may apply as a result of any

Bank Pekao S.A. EMTN — base-2026 · p. 71Quotation in the document’s original language

Tier 2 Subordinated Notes of the Issuer: (i) junior to (A) any liabilities of the Issuer falling into categories 1 to 7 (inclusive) of the Issuer’s liabilities in accordance with art. 440 section 2 of the Insolvency Law and (B) any other obligations which, by law, rank senior to the Issuer’s obligations under the Tier 2 Subordinated Notes; (ii) pari passu among themselves and with any other subordinated obligations which, by law and/or by their terms, to the extent permitted by Polish law, rank pari passu with the Issuer’s obligations under the Tier 2 Subordinated Notes; and (iii) senior to (A) any liabilities of the Issuer falling into categories 9 and 10 of the Issuer’s liabilities in accordance with art. 440 section 2 of the Insolvency Law and (B) any other subordinated obligations of the Issuer which by law rank junior to the obligations of the Issuer under the Tier 2 Subordinated Notes. Fo

Which breaches give bondholders rights?

The applicable Condition 11.3 limits the grounds for acceleration for this class; ordinary non-payment of interest is not an independent acceleration event. The right to demand repayment concerns the specified continuing judicial insolvency or liquidation events. Whether any have ever occurred has not been established.

Sources and quotations (2)

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

• Events of Default: Condition 11.3 (Events of Default relating to Senior MREL Notes, Senior Non-Preferred MREL Notes or Senior Subordinated Notes and Tier 2 Subordinated Notes) applies

Bank Pekao S.A. EMTN — base-2026 · p. 122Quotation in the document’s original language

Save as provided below, there are no events of default under the Senior MREL Notes, Senior Non-Preferred MREL 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 MREL 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 office of the Issuing and Principal Paying Agent (and addressed to the Issuer), that the Notes shall be declared immediately due and payable, whereupon the principal amount of such Notes together with any accrued and unpaid interest thereon to the date of payment shall become immediately due and payable without further action or formality. 11.4 Notices relating to Events of Default Neither a reduction or cancellation, in part or in full, of the principal or any other redemption

Issuer and other terms

Who is the issuer?

The issuer of EMTN series 7 (ISIN XS3438593926) is Bank Polska Kasa Opieki S.A.

Sources and quotations (3)

bank-pekao-seria-7.pdf · p. 1Quotation in the document’s original language

Bank Polska Kasa Opieki S.A.

bank-pekao-seria-7.pdf · p. 2Quotation in the document’s original language

1. (a) Series Number: 7

bank-pekao-seria-7.pdf · p. 10Quotation in the document’s original language

(i) ISIN Code: XS3438593926

What are the proceeds intended for?

The issuer intends to allocate an amount equal to the net proceeds to eligible projects under the Sustainable Finance Framework. The terms do not establish that allocation has already occurred.

Sources and quotations (1)

bank-pekao-seria-7.pdf · p. 9Quotation in the document’s original language

(i) Reasons for the offer: The Issuer intends to issue the Notes as Sustainable Bonds (as defined in the Base Prospectus) and apply an amount equal to the net proceeds from this issue of Notes to eligible projects and activities that are in keeping with the Sustainable Finance Framework (as defined and further described in the section of the Base Prospectus entitled “Use of Proceeds”).

What material obligations does the issuer have?

The programme's negative pledge applies only to Ordinary Senior Notes, so it does not protect this subordinated Tier 2 series. The two reviewed documents do not identify a separate financial threshold to be maintained for series 7.

Sources and quotations (2)

Bank Pekao S.A. EMTN — base-2026 · p. 73Quotation in the document’s original language

This Condition 4 (Negative Pledge) 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

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

• Status: Tier 2 Subordinated Notes

What additional terms need attention?

The terms prohibit offering, selling or otherwise making this issue available to retail investors in the EEA; the minimum denomination is EUR 100,000. Tier 2 status entails subordination and additional redemption restrictions linked to capital qualification.

Sources and quotations (4)

bank-pekao-seria-7.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 (EEA).

bank-pekao-seria-7.pdf · p. 2Quotation in the document’s original language

5. (a) Specified Denominations: EUR 100,000 and integral multiples of EUR 100,000 in excess thereof

bank-pekao-seria-7.pdf · p. 4Quotation in the document’s original language

• Status: Tier 2 Subordinated Notes

Parameters

Bond price

PEKAO· PEO0737

Parameters

Bond price · PEO0737

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?