In the AC4 series bond offering, investor subscriptions totalled 41.6 million. In 2024, BEST S.A. secured over PLN 236 million from investors through a combination of public and private placements. As Poland’s leading debt management company, BEST S.A. will allocate the proceeds from the AC4 bond sale to support portfolio acquisitions in Poland and Italy.

– We have had an intense and rewarding period in the debt securities market. In the second half of 2024 alone, our company successfully completed four bond issues, raising over PLN 166 million from investors. Notably, demand for most of these offerings far exceeded supply, leading to a significant reduction in subscriptions. This marks a major achievement in an exceptionally competitive market. I take great satisfaction in this success, especially as the funds raised through bond issuance serve as a crucial source of financing for our company. Moreover, the market’s strong reception of our business strategy—focused on consistent and dynamic growth—reinforces our direction, says Krzysztof Borusowski, President of BEST.

BEST S.A. offered investors AC4 series debt securities with a nominal value of PLN 100, with an interest rate based on WIBOR 3M plus a 3.8% margin. For the first interest period, the rate will be 9.65%.* The coupon on the bonds will be paid quarterly, and the bonds will be redeemed on 5 June 2030. They will be listed on the Catalyst market.

The series AC4 bond offering is part of a public bond issue programme with an aggregate nominal value of up to PLN 250 million carried out by BEST under a base prospectus approved by the Polish Financial Supervision Authority on 28 June 2024, including any supplements and update notices, and the final terms and conditions of the series AC4 issue.

***

Information on BEST S.A.

BEST Capital Group is one of the largest debt collection companies in Poland, and it invests actively in portfolios of non-performing debts using investment funds. BEST S.A. has been listed at the Warsaw Stock Exchange (GPW) since 1997.

BEST, as a member and co-founder of the Association of Financial Companies in Poland, and a co-founder and moderator of the Good Debt Collection Practice actively contributes to the development and shaping of the claims market in Poland.

In 2023, repayments from claim portfolios due to BEST CG increased to PLN 385 million, operating revenues amounted to PLN 454 million and adjusted cash EBITDA exceeded PLN 220 million. The carrying value of BEST Capital Group’s claim portfolios at the end of 2023 was more than PLN 1.3 billion.

For more information, visit www.best.com.pl or contact us:

This advertisement pertains to the public offering of Series AC4 bonds (‘Bonds’) issued under the bond issue programme established by BEST S.A. (‘Issuer’). In connection with this programme, the Issuer has prepared a base prospectus, which was approved by the Polish Financial Supervision Authority (‘PFSA’) on June 28, 2024 (‘Prospectus’). Please note that the PFSA’s approval of the Prospectus does not constitute an endorsement of the Bonds. Investing in the Bonds involves various risks inherent in debt securities and those associated with the Issuer’s business. These risks are detailed in the Prospectus under ‘Risk Factors’. Potential investors are encouraged to thoroughly review the Prospectus, any supplements, and the Final Terms and Conditions for the Bonds (‘Final Terms’) to fully understand the potential risks and rewards before making an investment decision. The Prospectus is available on the Issuer’s website at www.best.com.pl/prospekt, and the Final Terms can be found at www.best.com.pl/warunki-emisji. For additional reference, both the Prospectus and the Final Terms are also published on the website of Dom Maklerski Banku Ochrony Środowiska S.A. at https://bossa.pl/oferta/rynek-pierwotny/emisje/best-sa-seria-AC4. The Prospectus and the Final Terms are the sole binding documents governing the offering of the Bonds.

This advertisement is not intended to be distributed, either directly or indirectly, within the United States of America or any other countries where the public dissemination of this information may be restricted or prohibited by law.

Investing in bonds involves the risk of losing some or all of the invested money.