At the end of September 2025 we served over 7 thousand corporate clients. We provide support in terms of substantive, operational and financial development of our clients both in everyday business as well as in large strategic projects.
Corporate And Investment Banking
The Corporate Banking includes corporate segments, significant capital groups (the so-called large corporations), public sector clients, financial institutions as well as commercial real estate, specialized financing and customers of the Brokerage Office Centre. The Pekao Group is a leader in serving these segments. It has a competitive advantage resulting from experience, unique staff, specialized knowledge and processes and the potential to co-finance large projects based on a very strong liquidity and capital position. The Bank provides both the comprehensive services of a universal bank and the services in such areas as leasing, factoring, investment advisory services, advisory in M&A as well as highly advanced treasury, capital market products and custody services.
A wide range of products and services, innovative solutions, customised approach and the comprehensive financial services for the largest enterprises, institutions and public sector units are appreciated by clients and determine the strength of corporate banking of Bank Pekao S.A.
Investment banking, structured finance and commercial real estate
The key projects financed by the Bank in 2025 include:
- co-financing the construction of further wind farms in the Baltic Sea; the amount of financing amounted to over EUR 6 billion,
- granting financing to a leading European company operating in the e-commerce and courier industry; the syndicated loan amounted to EUR 4.2 billion,
- granting a syndicated loan to the Polish champion of the mining industry; the amount of financing amounted to USD 1.5 billion. The funds will be used for further development of business activity,
- granting financing to a company which holds a leadership position in the clothing industry in Poland; the amount of financing amounted to EUR 505 million and 2.8 billion zlotys,
- granting a syndicated loan to finance the current operations of a leading company from the Polish energy industry and to finance the construction of CCGT power blocks with a nominal gross electric power capacity of 668Mwe; the amount of financing amounted to 6.45 billion zlotys,
- granting syndicated financing to a leading company from the e-commerce industry in Poland; the amount of financing amounted to 6 billion zlotys,
- granting syndicated financing in the form of a revolving credit line (RCF) to one of the largest energy companies in Central and Eastern Europe. The purpose of the financing was to finance the general corporate needs of the Group and its entities, including the financing of potential acquisitions. The total amount of funding amounted to EUR 740 million,
- granting syndicated financing for the development of fibre optic infrastructure; the financing amounted to 3.7 billion zlotys,
- granting a syndicated loan for the construction of a CCGT power block with a nominal gross electric power capacity of 563MWem; the amount of financing amounted to 2.2 billion zlotys,
- participation in a syndicated loan arranged for a leading European company involved in glass processing; the total amount of financing amounted to approximately EUR 480 million,
- arranging syndicated financing for the refinancing and development of the retail network in Central and Eastern Europe; financing amounted to EUR 300 million,
- granting a syndicated loan to a leading company operating in the retail industry; the amount of financing amounted to 875 million zlotys,
- granting syndicated financing for the construction of an offshore wind farm with a target capacity of 390 mW; the amount of financing amounted to EUR 1.8 million and 566 million zlotys,
- granting syndicated financing to a capital group managing a chain of four-star hotels in Poland. The funds raised were used to refinance the existing debt and to meet the Group’s general needs. The total amount of funding amounted to EUR 134 million.
Issuance of debt securities
- issue of 13 series of bonds of Pekao Leasing for a total amount of over 7.5 billion zlotys and the issue of 41 series of bonds of Pekao Faktoring for a total amount of over 27.4 billion zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of 8 series of bonds of Pekao Leasing for a total amount of over 4 billion zlotys and the issue of 18 series of bonds of Pekao Faktoring for a total amount of 12.4 billion zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of 4 series of bonds of Pekao Leasing for a total amount being the equivalent of over 2.2 billion zlotys and the issue of 11 series of bonds of Pekao Faktoring for a total amount of over 8 billion zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of 6 series of bonds of Pekao Leasing for a total amount of over 3.5 billion zlotys and the issue of 12 series of bonds of Pekao Faktoring for a total amount of over 7.7 billion zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of two series of bonds held by the issuer, including the subordinated Tier 2 equity bonds in the amount of 750 million zlotys in the 10nc5 format on the domestic market, and the senior non-preferred bonds in the 6nc5 format in the amount of EUR 500 million on the international market. the Bank acted as a coordinator and dealer in both transactions,
- issue of the Bank’s senior green bonds in the 7nc6 format in the amount of EUR 500 million on the international market, in which the Bank acted as a coordinator and dealer,
- issue of subordinated Eurobonds (Tier 2) of the Bank in the 10.25nc5.25 format in the amount of EUR 500 million, in which the Bank acted as a global coordinator and joint bookrunner,
- issue of 7-year bonds for an integrated multilateral financial institution in the amount of 2 billion zlotys, in which the Bank acted as a coordinator, co-arranger and dealer,
- issue of 7-year bonds for a company which is one of the world’s largest producers of copper and silver in the amount of 1.6 billion zlotys, in which the Bank acted as a co-arranger and dealer,
- issue of 5 series of bonds of Pekao Bank Hipoteczny for a total amount of over 1 billion zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of 5-year bonds for a company operating in the employee benefits sector in the amount of 1 billion zlotys, in which the Bank acted as a co-arranger and dealer,
- issue of 5-year bonds linked to sustainable development for a retail company in the amount of 1 billion zlotys, in which the Bank acted as the arranger, coordinator and dealer,
- issue of 7-year Eurobonds for a multilateral financial institution with the highest rating for a total amount of 1 billion zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of 5-year bonds in the amount of 1 billion zlotys for a shopping platform which is one of the largest e-commerce companies in Europe, in which the Bank acted as an additional dealer,
- issue of 5-year green bonds for a company from the telecommunications industry in the amount of 700 million zlotys, in which the Bank acted as the arranger and dealer,
- issue of 3-year bonds for a leasing company belonging to a global automotive concern in the amount of 600 million zlotys, in which the Bank acted as the coordinator and dealer,
- issue of 5-year green bonds for a retail company in the amount of 600 million zlotys, in which the Bank acted as the arranger and the dealer,
- issue of 2 series of 4-year mortgage covered bonds of Pekao Bank Hipoteczny S.A. for the total amount of 500 million zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of 3-year bonds for a leasing company belonging to a global automotive concern in the amount of 500 million zlotys, in which the Bank acted as the sole arranger and dealer,
- issue of 2.5-year bonds for the leasing company belonging to an international financial group in the amount of 200 million zlotys. The Bank was the sole arranger and dealer.
In 2025, we were increasing our market share in custody services and depositary banking in Poland thanks to growing assets, including further acquisitions.
In September, we began a long-term cooperation with the International Finance Corporation (IFC) from the World Bank Group. We concluded an agreement concerning the possibility of IFC participating as an investor in selected bond issues of Bank Pekao. The IFC’s commitment will amount to USD 250 million, and these funds will be fully allocated to finance the pro-environmental projects, including the so-called ‘blue financing’, such as improving water usage efficiency.
In the second half of 2025, we guaranteed financing for Pekao Leasing in the form of loans granted by development banks:
- EUR 35 million – loan tranche from the European Bank for Reconstruction and Development (EBRD). Around 60% of the funds will be used to finance green investments, including projects to improve energy efficiency, resource and water efficiency, develop renewable energy and reduce waste,
- EUR 125 million – the second tranche of the loan granted by the Council of Europe Development Bank (CEB) intended to finance investments and development of micro, small and medium-sized enterprises in Poland.
35
EUR mln
loan tranche from the European Bank for Reconstruction and Development
125
EUR mln
tranche of the loan granted by the Council of Europe Development Bank
We cooperate with banks from all over the world. We have more than 1.3 thousand exchanged swift keys. We have a direct or indirect access to major clearing systems. We maintain nostro and loro accounts for a very large group of foreign banks. We have the infrastructure to ensure efficient foreign settlements in 20 major currencies.
For the thirteenth time, we have won a prestigious ‘Best Sub-Custodian Bank’ award granted by Global Finance magazine, which confirms our leadership position on the Polish custody services market.
Transactional banking
In 2025, in the area of transactional banking we recorded:
- an increase in the number of outgoing foreign transfers by +14.5% y/y and the incoming foreign transfers went up by +6% y/y),
- an increase in the number of processed Direct Debit transactions by +3.1% y/y, with a simultaneous increase of transaction volume of +19.8%,
- an increase in the number of transactions received under Pekao Collect service by +6.5% y/y while the volume of these transactions rose by +3.5%.
In the PekaoBiznes24 Self-Service Zone, we made available a new functionalities which increase the comfort and security of customer service. The range of new functionalities included:
- the application for Changing the card settings which allows you to assign or change a phone number for the 3D Secure service and apply for an e-PIN code for online transactions,
- a new version of the application: „Change of statement settings” which allows you, among other things, to specify the frequency of generating statements from current accounts and VAT accounts, enable or disable the provision of separate statements for VAT accounts, and change the form of providing statements from paper to electronic,
- the application for „Changing the limits of credit and charge cards” which allows you to change the card limit for cash, non-cash and online transactions,
- we have expanded the functionality of the Direct Debit (DD) service in terms of authorization and payment processing as well as consent management. Consents are handled in digital form and clients receive a message confirming that the consent was created when the DD is charged for the first time,
- a request for the closure of a VAT account which allows you to submit an instruction to close a VAT account, to indicate another existing VAT account to be linked to settlement accounts, to indicate the account to which the funds from the closed account are to be transferred,
- the application for early capitalisation of interest at the end of the year,
- the application for the consolidation of balances at the end of the year, available only to public sector customers,
- the application that allows you to block and unblock debit and credit cards,
- the application for ordering prepaid cards, including the opening of a new card program, the choice of card image, the setting of limits and the scope of reporting balances or transactions,
- the first templates of product documentation forms which allow clients to independently order changes to their products as part of the general instruction, including: blocking funds for the benefit of another entity, updating the data of representatives and changing the parameters of cards, such as: changing the name of the cardholder on the card, changing the correspondence address, changing the account number for repayment, charging fees or settling card transactions and the form of providing statements.
Trade finance
In 2025, we consistently pursued our Strategy aimed at developing tools supporting the handling of trade finance products and access channels, including the Online Guarantees and Open Financing Platform systems. As part of these activities, we have provided new functionalities and ensured the highest level of service standards and customer satisfaction.
In 2025, we recorded a double-digit dynamics of growth in the area of granted guarantees and sureties – the amount of new transactions increased by 13% as compared to 2024, whereas the exposure resulting from guarantees and sureties increased by 8% year-on-year.
We also achieved a significant increase in the volume of financial products. The value of newly financed transactions was higher by 23% than in the previous year, and the level of exposure increased by 42%.
As part of the Open Financing Platform (OFP), we financed nearly 113 thousand invoices with a total value of nearly 2.6 billion zlotys, which translated into a 81% increase in the number of transactions and a 23% increase in the value of these transactions as compared to 2024.
The use of modern technological solutions made it possible to make the OFP Loan available to customers. This product uses automatic monitoring of the implementation of selected credit clauses, which increases operational efficiency and process security. Customers have gained the ability to remotely, fully electronically manage the agreement and have the ongoing online access to its parameters.
Cooperation with international client
We support the expansion of Polish enterprises on both European markets and in developing countries. We offer comprehensive solutions for short and long-term financing and the solutions for hedging risk of international transactions. The Bank’s clients can take advantage of the package of the most beneficial financial solutions adjusted to the model of the conducted business activity.
We provide solutions for companies looking for opportunities to finance their investments in green transformation. The clients of Bank Pekao can take advantage of the guarantee program offered by the Export Credit Insurance Corporation (KUKE). This program will facilitate the financing of expenses related to energy transformation and implementation of investment projects which will allow our economy to achieve climate neutrality.
In 2025, the Bank concluded an agreement with the International Finance Corporation (IFC) under the Global Trade Finance Program (GTFP). As a result we can offer our clients carrying out cross-border trade transactions new solutions guaranteed by a financial institution with a AAA rating. The guarantee provided by the IFC includes letters of credit, trade-related promissory notes, bid and performance bonds, advance payment guarantees, and supplier credits for imports of capital goods.
Comprehensive cooperation with public finance sector entities
An important element of our strategy is to finance public sector and municipal projects. We are actively involved in activities related to building and developing Polish infrastructure, including the support for sustainable development of the economy and environmental protection. We render our services and we provide financing to self-government units, municipal companies, institutions of higher education as well as entities established as part of public-private partnership.
We cooperate with 11 out of 12 Polish metropolises (92% market share) and we provide ongoing budget support for six of them. We cooperate with every seventh municipality in Poland. We maintain business relationships with 64% of towns with county rights and we provide ongoing services to every fifth of them. We also cooperate with every fourth county (25%) and with more than a half of provinces (56%). We are a major bank for state universities – more than 50 of them use our services.