Enterprise Banking

Corporate banking includes the small and medium-sized enterprises (SMEs) segment and the mid-sized corporations (MID) segment.

In 2025, we continued our efforts in the field of automation and digitization, also developing new functionalities in electronic banking and increasing the scope of customer self-service. By focusing on streamlining processes and improving the quality of service, we strengthened our competitive advantages in the SME and MID segments, which allowed us to further strengthen the Bank’s position on the market.

We have expanded the availability of mortgage loans and SMEX express loans for customers from the small and medium-sized enterprise sector. As a result, more companies have been able to take advantage of flexible forms of financing tailored to their needs.

We have increased the limit for guarantees under the Investmax programme, which has allowed SME clients to obtain higher credit collateral and increase the scale of their investments.

We have introduced credit products based on the POLSTR index, providing customers with access to financing based on the new benchmark.

We carried out activities aimed at optimising key credit processes, which translated into an increase in efficiency and a reduction in the time it takes to issue a credit decision.

We continued to develop remote service channels. We have made available to our customers the revitalized PekaoBiznes24 system and the new PeoBIZ 2.0 mobile application, which significantly improve the quality of service by increasing intuitiveness and functionality.

We have expanded the functionalities related to customer onboarding in remote and stationary channels. As a result of the measures taken, the digitization rate for the SME, MID and Corporate segments reached a level in 2025 10 p.p. higher than in the previous year.

As part of the European Cybersecurity Month, the cyberPEKAO Academy was held – an educational event under the slogan Man is the best firewall. The meeting brought together experts in the field of finance, technology and digital security. Participants exchanged knowledge, experiences and best practices, which strengthened joint efforts to be resilient to today’s cyber threats.

We have signed an agreement with the Industrial Development Agency, which supports enterprises and the development of investments in key sectors of the economy. The cooperation includes joint financing of projects, development of business relationships and training programmes for employees of both institutions.

Together with the Polish Chamber of Commerce (KIG), we have started activities to support small, medium and listed MIDcaps companies in the green transformation. The initiative includes education, dedicated financial solutions and the Sustainable Business with Bison platform, where we provide materials, guides and news. Entrepreneurs also gain access to free webinars conducted by Pekao and KIG experts.