DOKE Exports Support Programme

For whom?

micro-, small and medium-sized enterprises that deal with the export of goods and/or investment services

What for?

export transactions

About DOKE

DOKE Programme (interest-rate support for export credits) is an instrument that secures the fixed interest rate during the whole repayment period. It is a stabilization mechanism for interest rates on export credits (or interest make-up scheme) that can be extended to the buyers by Polish or foreign banks or international financial institutions. Mutual settlements of interest differences (subsidy or surplus) are carried out directly between BGK and the financing bank. The rules of the DOKE Programme are based on the OECD Arrangement on Officially Supported Export Credits.
Export transactions with repayment terms of at least two years from delivery, which cover capital goods and/or services, may receive support from BGK. Financing for such transactions may only be provided at CIRR fixed rates  (Commercial Interest Reference Rates) which are published by the OECD Secretariat on a monthly basis. They are the minimum interest rates that can be applied in export credit agreements in order for them to qualify for official support.

  • Buyer's credit is a widely used form of financing export transactions. Alternatively, in case of supplier credits exporters may finance them with bank credits and thus have contracts fully paid right after delivery.
  • Both buyer's credits and supplier credits, as the case may be, have to be insured against commercial and political risks by Korporacja Ubezpieczeń Kredytów Eksportowych KUKE S.A. (Export Credit Insurance Corporation).

In the DOKE Program BGK acts on behalf of the State Treasury as the administrator of the system and support provider and in this capacity carries out settlements of interest differences with the financing banks.

Benefits of DOKE

For exporter

  • Possibility of expanding export activity on new markets
  • Increasing the attractiveness and competitiveness of export offers
  • Limiting the level of credit obligations
  • Free of charge procedure – we do not charge any fees for examining applications

For buyers

  • Interest rate risk eliminated at no cost as the CIRR fixed rates are guaranteed by BGK
  • Long repayment periods available depending on the industry sector and the country of destination of the exported goods
  • Repayment periods start only on the delivery date
  • CIRR fixed rates make cost planning related to a particular transaction easier over longer periods
  • No fees are charged by BGK for examining applications
  • Simple procedure - all formalities can be arranged between BGK and the financing bank

For banks

  • Guaranteed unchanged margins for lending banks in DOKE agreements
  • Credit-related risks reduced by KUKE insurance
  • Simple procedure with easy application forms
  • BGK charges no fees for examining applications

The DOKE Programme is governed by the following

  • Act of Parliament on Interest Rate Support for Fixed-Rate Export Credits No. 2001-762 (consolidated text 2019-208) as amended
  • regulations of the Minister of Finance:
    • on the bank margin (DOKE margin) No. 2001-1517 replaced by the regulation No. 2007-1046
    • on the application for a DOKE promise No. 2001-1518 as amended by the regulations No. 2003-1742, No. 2005-589 and No. 2015-682
    • on implementation of some provisions of the Act No. 2001-1750 as amended by the regulations No. 2003-1743 and No. 2005-650
    • on costs of funding, short-term market rates and fees charged by BGK No. 2001-1751 as amended by the regulation No. 2003-1762
  • regulation of the Minister of Economy on the maximum foreign content No. 2014-1978.


For more information concerning cooperation contact our Transaction Banking Department:

e-mail: [email protected] 

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