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
  • Supplementary information and notes
  • 59. Other information

59. Other information

59.1 Audit fee payable to the audit firm auditing the financial statements

59.2 Granting of sureties or guarantees for loans or borrowings by PZU or its subsidiaries

59.3 Inspections by the KNF Office

59.4 Tax liability in Sweden

59.5 Pekao and Alior Bank joining the protection scheme

59.6 Postępowania UOKiK wobec Alior Banku

59.6 UOKiK proceedings against Alior Bank

59.7 Cases involving Alior Leasing sp. z o.o

59.8 PZU’s planned bond issue

59.9 Conflict in Ukraine

59.10 Subsequent events

Previous topic
58. Headcount
Next topic
59.1 Audit fee payable to the audit firm auditing the financial statements
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PZU Integrated Report 2022
INTEGRATED REPORT 2022
  • GRI Index
  • Glossary of terms
  • PDF report
  • Download centre
  • Financial analysis
    • 2021
    • 2020
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