A qualified strategic or institutional buyer may acquire up to 100% of the shares of an established universal bank operating in Poland.

This is a business acquisition. The agreed purchase price would be paid to the selling shareholders in exchange for their shares in the bank. It is not a request for a business loan, a deposit product or a primary capital raise.

Any capital that the buyer may need to contribute after acquisition would be separate from the purchase price and would depend on the buyer’s business plan, regulatory requirements and conclusions from due diligence.

What would the buyer acquire?

Subject to the agreed transaction perimeter and regulatory approval, the acquisition would provide ownership and control of an operating regulated banking institution and its existing business, including:

• An established customer deposit base
• An operating loan portfolio
• Retail, SME and selected corporate banking relationships
• Banking operations and credit infrastructure
• Physical and digital distribution capabilities
• Technology and digital-banking systems
• Employees, management functions and operating processes
• Relevant assets, liabilities and contracts held by the bank

The acquisition therefore provides access to an operating banking platform rather than requiring the buyer to establish a new bank from the beginning.

Profil firmy

The bank operates a universal banking model serving retail customers, SMEs and selected corporate clients. Its activities include customer deposits, working-capital and investment lending, secured business financing and digital banking services.

The institution has an established, predominantly customer-funded balance sheet and existing operational infrastructure. Detailed financial, credit, regulatory and portfolio information will be provided to qualified buyers through the controlled transaction process.

Transaction Terms

The contemplated transaction is the acquisition of a significant equity interest, potentially up to full ownership.

The following terms are not publicly disclosed:

• Purchase price and valuation expectations
• Minimum stake the seller is prepared to sell
• Payment structure
• Transaction timetable
• Representations, warranties and investor protections
• Any required post-acquisition capital contribution

These matters will be addressed with qualified buyers during the transaction process.

Who Can Acquire the Bank?

The opportunity is intended for a financially sound and professionally qualified buyer capable of owning and supporting a regulated banking institution. Potential buyers may include:

• Established Polish or international banking groups
• Regulated financial institutions seeking entry into Poland
• Financial-services groups with relevant banking experience
• Institutional or private-equity investors supported by experienced banking management
• Investor consortiums with transparent ownership, funding and governance

Every proposed buyer must be able to demonstrate transparent beneficial ownership, legitimate sources of funds, financial capacity, appropriate governance, a credible business plan and the ability to support the bank’s future capital and liquidity requirements.

Transaction Process

The expected process for qualified buyers is:

1. Submission of the buyer’s profile, ownership structure and strategic rationale
2. Initial assessment of financial capacity and regulatory suitability
3. Execution of a confidentiality agreement
4. Access to detailed financial, regulatory and operating information
5. Submission of an indicative offer
6. Financial, credit, legal, tax, regulatory, AML and technology due diligence
7. Negotiation of transaction documentation
8. Application for the required supervisory approval
9. Completion following satisfaction of all conditions

Important Considerations

Completion is subject to satisfactory due diligence, agreement with the seller and approval by the relevant supervisory authorities. Particular attention should be given to loan-book quality, credit concentrations, profitability, regulatory capital, liquidity, AML compliance, technology, cybersecurity and any post-acquisition remediation requirements.

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