Annual Report 2025
PL
About PZU Group
Group characteristics
Products and services
Mission, vision, values
Brand
Structure of the PZU Group
Fundamental principles of management
Milestones of PZU Group’s growth
Participation in associations and industry organizations
Selected awards and distinctions
Business model
Capital and value creation
Operating activities
Sales and distribution
Environment
Factors and events affecting PZU Group’s operations in 2025
Insurance sector in Poland and Baltic Countries compared to Europe
External and internal factors relevant to the development of the PZU Group
Polish health care sector compared to Europe
The most important economic trends in Poland and abroad
Polish banking sector compared to Europe
Financial markets in Poland and around the world
Regulations pertaining to the insurance market and the financial markets in Poland
Risk management
PZU Group’s risk profile
Risk map
Risk sensitivity
Internal control system
Operation of the risk management system and internal control system in 2025
Dividend
Rating
Predictions
Strategy and results
Strategy
Strategic ambitions by 2027
Implementation of the strategy in 2025
PZU Group reorganization towards a holding structure
A strategic perspective
Results
Key factors affecting the financial results achieved
PZU Group’s revenues and costs
PZU Group’s asset and liability structure
Contribution of segments to the consolidated result
PZU’s standalone results
Financial rating
Analysts’ predictions
DMA
ESG management in the PZU Group
Value chain
Supply chain
Interests and views of stakeholders
Double Materiality Assessment (DMA)
Environment (E)
Approach to climate change
Managing material impacts, risks, and opportunities related to climate change
Energy consumption and mix
Carbon footprint of the PZU Group
Taxonomy disclosures of PZU Group
Social (S)
Employees of the PZU Group
Managing material impacts, risks and opportunities and their interactions with strategy and business model
Metrics related to own workforce
Management of own workforce
Additional information on policies related to own workforce
Processes for engaging with own workers
Channels for reporting violations
Targets and actions affecting own workforce
Affected communities
Targets related to managing impacts, risks and opportunities
Actions related to community impacts
Processes for engaging with affected communities about impacts
Policies related to affected communities
Managing material impacts, risks and opportunities and their interactions with strategy and business model
Customers and end-users
Managing material impacts, risks and opportunities and their interactions with strategy and business model
Policies related to consumers and end-users
Processes for engaging with consumers and end-users about impacts at PZU Group
Remedying PZU Group’s negative impacts on consumers and end users
Actions addressing impacts on consumers and end-users
Targets related to managing impacts, risks and opportunities
Corporate Governance (G)
Application of corporate governance rules
Ethics of business conduct and reporting violations
Management of relationships with suppliers and payment practices
Counteracting corruption
Cybersecurity
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