Zabka Group lowers financing costs and obtains more flexible terms

Zabka Group SA has signed an annex to its consortium credit agreement with ING Bank N.V.
London Branch (as Agent) and other financing institutions, reducing the margin by 75 bps.
Including the reduction in the margin by 25 bps from 17 October 2024 in connection with the
company’s listing on the Warsaw Stock Exchange, this means a combined decrease in the credit
margin of 100 bps.

The annex also allows Zabka Group to issue unsecured bonds up to a total of PLN 1 billion (within
the existing debt limits), which increases the flexibility of the group’s financing sources.

The annex also adjusts the terms of the agreement to suit the company’s current situation and
needs, among other things by reducing the catalogue of security instruments and lifting the
restriction on transferring funds or selling assets between members of the company’s corporate
group.

Marta Wrochna-Łastowska, CFO of Zabka Group, commented: “In line with the guidance presented
during the IPO, we have reduced the interest rate on our financing under the credit agreement by a
combined 100 basis points. This was possible due, among other factors, to the results we have
achieved, the consistent reduction of our leverage ratio, and the commencement of trading on the
WSE, which has increased the transparency of our business for the financing institutions. The annex
we have signed also raises the flexibility of our financing sources, thanks to the possibility of issuing
unsecured bonds up to a total of PLN 1 billion, within the existing debt limits.”