The following table presents the concentration of PZU Group’s balance-sheet and off-balance-sheet exposures using the sections of the Polish Classification of Business Activity (PKD):
- exposure to financial investments such as equity instruments, debt securities, loans granted buy-sell-back transactions, bank accounts and term deposits;
- amounts of extended insurance guarantees;
- liability limits for insurance of receivables;
- alue of loans (gross carrying amount and off-balance sheet exposure).
| Industry segment | 31 December 2022 | 31 December 2021 |
|---|---|---|
| O. Public administration and defense, compulsory social security | 26.15% | 16.08% |
| K. Financial and insurance activities | 15.14% | 11.94% |
| C. Manufacturing | 16.67% | 16.27% |
| G. Wholesale and retail trade services; repair services of motor vehicles and motorcycles | 11.26% | 13.51% |
| L. Real estate activities | 5.84% | 8.12% |
| F. Construction | 4.44% | 5.65% |
| M. Professional, scientific and technical activity | 4.09% | 5,24% |
| H. Transportation and storage | 3.70% | 5,51% |
| D. Electricity, gas, steam, hot water and air conditioning supply | 3.18% | 4.63% |
| J. Information and communication | 2.12% | 2.74% |
| B. Mining and quarrying | 0.87% | 1,08% |
| Other sectors | 6.54% | 9.23% |
| Total | 100.00% | 100.00% |