ING Bank Slaski S.A. announced that it has concluded a subordinated loan agreement with ING Bank N.V. based in Amsterdam. The Loan amount is EUR 100.000.000 (one hundred million EUR). The Loan was granted for a period of 10 years. The Bank may redeem theLoan after 5 years, subject to receiving appropriate permission of the Polish Financial Supervision Authority. Interest is payable quarterly at 3M EURIBOR plus a margin of 1.22%. The financial terms of the Loan do not differ from market conditions.