Authorizations and country export data

• Protects exporters against the risk of non-payment by customers
• Europolicy:
• Simple credit insurance facility for SMEs
• Single transaction
• Generally buyers must be in high-income countries
• Policy beyond borders:
• Exporters or companies planning to sell abroad, regardless of size and industry are eligible
• Insurance of sales by your subsidiaries registered in other countries is available
• Cover: 95%
• Approx. 160 countries covered
• Maximum payment term is 2 years for most exports, 540 days for agricultural exports
• Package:
• Medium and large companies with consistent sales to a large portfolio of buyers, both at home and abroad
• Covers both export and domestic sales
• Option to cover receivables that have arisen before the signing of the insurance agreement
• Generally buyers must be in high-income countries
• Safe contract policy:
• Insurance cover for a single, large export contract
• Term not exceeding 2 years
• Insures credit risk, pre-shipment risk or both
• Approx. 165 countries covered
• Supplier credit insurance:
• Insurance cover for a single, large export contract financed by a long-term credit
• Term: 2 years or more
• Over 200countries covered

• Confirms the capability of a Polish company to perform a given contract
• Contract guarantees:
• Written commitment of the insurer to pay a certain amount to the beneficiary of the guarantee (the buyer) in the event of the contractor failing to meet its duties and obligations towards the beneficiary of the guarantee
• Eligibility: Companies joining a tender or applying for a contract in Poland or abroad
• Bid/tender, performance, advance payment, and warranty guarantees are available
• Environmental guarantees:
• For companies whose operations may give rise to adverse environmental effects
• Eligibility: Entrepreneurs conducting business operations that may be harmful to the environment
• Payment guarantees:
• Secures exporter's payment obligations towards his suppliers
• Also, supply chain finance guarantee, which secures exporter's payment obligations towards financial entities, mainly factoring companies

• KUKE Finance agrees to purchase outstanding invoice before its due date falls. In return, subject to the terms of the purchase, KUKE Finance immediately advances up to 90% of that invoice value
• The remaining balance is available to the exporter after KUKE Finance has received the payment from the customer

• Covers losses incurred in connection with the execution of a direct investment abroad as a result of events referred to as political risk and force majeure
• The insurance covers documented pecuniary and tangible expenditures as well as intangible and legal assets (net) invested in a foreign business, which give the right to participate in profits, in the estate in bankruptcy, guarantee the right to vote and to supervise and co-manage

• LC guarantee: The bank's payment is assured. If the bank receives no payment from abroad, KUKE pays compensation
• Factoring insurance: Insurance of receivables acquired by a factor
• Forfaiting insurance: Protects banks purchasing receivables under medium- and long-term export contracts from the risk of non-payment by the foreign entity
• Finance lease insurance: Protects leasing company against the risk of not receiving lease instalments from foreign business partners
• Counter guarantee: KUKE shares the risk with the bank issuing a guarantee, typically a contract guarantee. KUKE’s Counter Guarantee covers the recourse risk on the exporter if the beneficiary of a contract guarantee makes a request for payment under that guarantee. A Counter Guarantee may apply to a single contract, or to an entire guarantee line provided to the exporter by the bank

• 2024: KUKE and Oschadbank join forces to support investments in Ukraine