Annual Report 2025
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
  • About the report
  • Homepage
  • Download Center

Download Center

  • Presentation about the PZU Group

    pdf • 4 MB
  • Management Board Report on the Activities of the PZU Capital Group and PZU SA (2025)

    pdf • 17 MB
  • PZU Group Financial Statements (2025)

    pdf • 9 MB
  • Presentation - financial results of the PZU Group (2025)

    pdf • 2 MB
  • Factsheet - PZU Group financial results (2025)

    pdf • 1 MB
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Annual Report 2025
Annual Report 2025
  • About the report
  • Download Center
  • Glossary of terms
  • PDF Report
  • Results
    • 2024
    • 2023
    • 2022
    • 2021
    • 2020
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