Judgment of the Court (Third Chamber) of 12 February 2026.#J.J. v PKO BP S.A.#Reference for a preliminary ruling – Unfair terms in consumer contracts – Directive 93/13/EEC – Credit agreement – Variable-rate mortgage loan agreement – Contractual term providing for the determination of the interest rate on the basis of a benchmark within the meaning of Regulation (EU) 2016/1011 – Article 1(2) of Directive 93/13 – Contractual term reflecting mandatory statutory or regulatory provisions – Article 4(2) of Directive 93/13 – Concept of ‘definition of the main subject matter of the contract’ – Requirement of transparency – Article 3(1) of Directive 93/13