PZU Integrated Report 2022
INTEGRATED REPORT 2022
  • PL
  • About the Group
    • Letter from CEO and Chairman of the SB
      • CEO Letter to Shareholders
      • Letter from the CEO to Stakeholders
      • Letter from the Chairman of the Supervisory Board Statement
    • Group’s profile
      • Products and Services
      • Brand
      • Mission, vision, values
      • Milestones in PZU Group’s history
    • Value creation model
    • Business model
      • Insurance
      • Medical care
      • Investments
      • Banking
      • Other areas
    • Financial rating
    • ESG ratings
    • Recommendations of analysts
    • Awards and distinctions
  • Strategy and outlook
    • Implementation in 2022
    • Challenges in 2023 (short-term perspective)
    • Ambitions 2024 (medium-term outlook)
    • Ambitions 2030-2050 (long-term perspective)
    • Metrics update (2024) – impact of IFRS 17
  • Business environment
    • Main trends in the Polish economy
    • External environment in the Baltic States and Ukraine
    • Situation on the financial markets
    • Global and local equity and bond market
    • Main factors affecting PZU share price
    • Bank Pekao and Alior Bank share prices
    • Polish and Baltic States insurance sector compared to Europe
    • Polish banking sector compared to Europe
    • Regulations pertaining to the insurance market and the financial markets in Poland
    • Factors that may affect the conditions of operations and the PZU Group’s activities in 2023
  • Results and dividend
    • Group financial results
      • Statement of profit and loss
      • Statement of comprehensive income
      • Consolidated statement of financial position
      • Consolidated statement of changes in equity
      • Consolidated cash flow statement
      • Supplementary information and notes
    • Results – analysis and commentary
      • Key factors affecting the financial results achieved
      • PZU Group’s income
      • PZU Group’s claims and technical provisions
      • PZU Group’s acquisition and administrative expenses
      • Drivers and atypical events affecting the results
      • PZU Group’s asset and liability structure
      • Contribution made by the market segments to the consolidated result
      • PZU’s standalone results
    • PZU Group’s financial data 2018-2022
      • Basic amounts of the consolidated profit and loss account
      • Assets
      • Equity
      • Liabilities
      • One-off events in PZU Group
      • Operational efficiency ratios
      • Data from the profit and loss account – corporate insurance (non-life insurance)
      • Data from the profit and loss account – mass-market insurance (non-life insurance)
      • Data from the profit and loss account – group and individually continued insurance
      • Data from the profit and loss account – individual insurance
      • Data from the profit and loss account – investment contracts
      • Data from the profit and loss account – banking activity
      • Data from the profit and loss account – pension segment
      • Data from the profit and loss account – Ukraine segment
      • Data from the profit and loss account – Baltic states segment
      • Investment segment (external)
    • Dividend
  • Environment (E)
    • Climate’s impact on PZU’s business
      • Business in the face of climate change
      • Global challenges to sustainable development
      • ESG Strategy – approach to management in climate
      • Product offering – prevention and adaptation
      • Employees’ education in sustainable development
    • Taxonomy
      • Approach to disclosures
      • Quantitative disclosures
      • Qualitative disclosures
    • PZU business impact on climate
      • Direct environmental impact
      • Consumption of raw materials
      • Energy consumption
      • Carbon footprint
  • Society (S)
    • Dialogue with the environment
    • Employees
      • Employees – approach to management
      • Employment structure
      • Work environment
      • Organizational culture
      • Engagement surveys, dialog and trade unions
      • Safety
      • Remuneration and benefits
      • Training and development
      • Knowledge and experience sharing
    • Client
      • Client – approach to management
      • Responsible sales
      • Distribution
      • Claims handling
      • Complaints and grievances
      • Client satisfaction surveys
      • Dialog and improvement process
    • Communities
      • Local communities – approach to management
      • Local communities
      • Prevention
      • Cultural patronage
      • Charity
    • Shareholders
  • Corporate goverance (G)
    • Governance
      • Conglomerate – framework of operation of PZU Group companies
      • Application of corporate governance rules
      • Financial statements control system
      • Audit firm auditing the financial statements
      • Shareholders and issuer’s securities
      • Rules for amending the Articles of Association
      • Shareholder Meeting
      • Governing and supervisory bodies of PZU and PZU Życie
      • Management Board Committees of PZU and PZU Życie
      • Supervisory Board Committees of PZU
      • Diversity policy
      • Compensation policy
      • Corporate governance over subsidiaries
      • Management Board Responsibility for issues of ESG
      • Approach to innovation
      • Investment policy – TFI and PTE PZU
      • Tax Strategy
    • Ethics
    • Human rights
    • Cooperation with business partners
    • Risk
      • Group’s risk profile
      • Risk vulnerability
      • Analysis of climate change
      • Risk management
      • Information security
      • Counteracting corruption
      • Conflict of Interest Management
      • Counteracting crime
      • Counteracting money laundering and terrorism financing
      • Use of international sanctions
      • Whistleblowing System
      • Reinsurance operations
      • Capital management
  • About the report
    • Approach to reporting
    • Material topics
    • GRI content index
    • Table of compliance with the Accounting Act
    • Taking into consideration the guidelines pertaining to disclosure of climate information
    • Verification Statement – Greenhouse Gas Emissions
    • PAI Disclosures (SFDR)
    • Glossary of terms
    • Alternative Performance Measures
  • PZU INTEGRATED REPORT 2022
  • Download centre

Download centre

  • Presentation about the PZU Group

    pdf • 3 MB
  • Management Board’s report on the activity of the PZU Group and PZU SA

    pdf • 11 MB
  • Financial statement of the PZU Group (2022)

    pdf • 7 MB
  • Report on non-financial information of the PZU Group and PZU SA

    pdf • 14 MB
  • Presentation - PZU Group financial results

    pdf • 2 MB
  • Factsheet - PZU Group financial results

    pdf • 741 KB
  • Highlight text
  • Add to print basket
  • Go to print basket
  • Print version
  • Add note
  • See notes
PZU Integrated Report 2022
INTEGRATED REPORT 2022
  • GRI Index
  • Glossary of terms
  • PDF report
  • Download centre
  • Financial analysis
    • 2021
    • 2020
© PZU 2023. All rights reserved
Powered by TAILORS Group

Search results