PZU Group entities independently determine scope and type of actions for affected communities. As part of its activities, the PZU Group supports initiatives to minimize the effects of fortuitous events and promote good risk management practices.
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PZU Group entities publish information on programs and initiatives for affected communities on PZU’s website, social media, and PZU Group reports. Additionally, broader marketing campaigns are conducted to raise awareness of ongoing efforts.
The PZU Group proactively tailors initiatives and programs to best address the community’s needs, including both its own activities and cooperation with external entities. The role of the community was to report needs and precisely define the issues that required resolution. The design and implementation of operational measures are managed by employees in specialized units, who assess the justification of the request and its alignment with PZU Group’s social engagement goals.
All PZU Group initiatives operate on an annual cycle with a built-in continuity mechanism. The relevant divisions of PZU Group, which managed community-related actions, allocated their yearly budgets to carry out these responsibilities.
Beneficiaries of the PZU Group’s social activities
The PZU Group understands affected communities to mean communities in general, and in particular customers, suppliers, contractors, and business partners who are or may be affected by the PZU Group in the course of its business operations. Preventive, support, educational, aid, and sponsorship activities are carried out for the communities. This impact can be extended to all entities with which cooperation is ongoing, regardless of origin, ethnicity, legal form or other characteristics. PZU Group’s initiatives are directed to all residents in the countries where PZU Group operates. The PZU Group implements activities for both individual representatives of the community and groups of people who may be affected by fortuitous events, such as natural disasters, traffic accidents or other chance events.
An important group of beneficiaries includes children and young people, who have access to insurance and financial education programs. The PZU Group’s activities also benefit companies and public institutions, along with their employees who have been actively involved in security and risk prevention projects.
Initiatives for safety improvement
In 2025, PZU organized many preventive initiatives. The “Mistrzu, zwolnij” („Slow down, Champ”) campaign aimed to highlight the causes of the most common traffic accidents and was directed to drivers. Meanwhile, the information and educational campaign, in which PZU supported the activities of the Police, “Kręci nas bezpieczeństwo w lecie” (Turn On Safety in the Summer) was aimed at developing this area among children.
PZU continues to cooperate with uniformed and emergency services (WOPR, LWOPR, GOPR).
GOPR (Mountain Volunteer Search and Rescue) received funds from the insurer to purchase and modernize vehicles and equipment used in mountain search and rescue, as well s to implement training to improve rescuers’ skills. With PZU’s funding, it is possible to purchase new vehicles, modernize the existing fleet, and provide equipment to reach the injured based on satellite navigation. The innovation involves unmanned aerial vehicles, which, using AI solutions, will be employed to search for missing individuals.
BALTA launched the program: “Safe from Day One”, which provides free ADD insurance for newborns and is aimed at reducing financial instability for families and providing them with peace of mind. As part of the annual community initiative: “Crazy Safe Summer”, free ADD insurance for children was provided. In addition, BALTA also participated in the social program: “Latvian Family of Honor”, developed by the Social Integration Foundation, and the program: “Privilege Card”.
In 2025, Lietuvos Draudimas continued its “Protect me” action to promote road safety. The action was dedicated to children and young people. The company provided insurance for young people returning to school after the vacations. In 2025, 350,000 children were insured against traffic accidents. In 2025, Lietuvos Draudimas launched a preventive campaign targeting customers with home insurance. In order to reduce risks associated with hazards such as fire, flooding, and other damage, free technical inspections of households were conducted for 12,000 customers. They included inspections of heating, electrical and sewage systems.
In 2025, the PZU Foundation implemented its own social campaign: #Czysty Przekaz (#Clean Message) to combat disinformation, build public resilience to fake news, and promote critical thinking
Educational activities
“Bakcyl” (Bitten by the Bug) is a program implemented by the Pekao Group in cooperation with educational institutions, NGOs, and local governments since 2013. The program mission is financial education for children and young people in the areas of finance, economics, entrepreneurship, and cyber security.
In 2025, Armatura Kraków once again organized an educational contest for children in the Nisko County called “Eko-bohaterowie” (Eco-heroes). The aim of the contest was to popularize knowledge on environmental protection and promote ecological attitudes among the youngest residents of the region.
BALTA continues its efforts under the initiative: “Balta Safety Academy”, which include providing insurance for more than 26,000 children by 2025 and for a total of over 1 million children since the launch of the initiative. In 2025, BALTA participated in the national youth project “Be a Leader!” by organizing a competition to familiarize students with the specifics of the insurance profession. The company also continued to organize internships for students at Riga Technical University and participated in the professional education program: “Shadow Day”.
Assistance in Ukraine
The PZU Group also performed aid activities in Ukraine, where it regularly supported the charity organization “Road to Life”, which cares for children with disabilities. A charity run “Kyiv Unbroken Half Marathon 2025” was organized. In addition, a specific program was implemented to provide financial support to the Group’s employees and their families who were affected by the Russian Federation’s attack on Ukraine.
Sports and health
PZU has supported the development of amputee football since 2021. The insurer continued its involvement as, among other roles, Strategic Sponsor of the Futbol Plus project dedicated to children with various disabilities. In 2025, PZU became the main sponsor of the national tournament “Z Orlika na Stadion” organized under the “Active School” program.
BALTA promoted healthy lifestyles and integration through sports sponsorship for events such as the “EuroBasket 2025”, “Alūksne Triathlon 2025” and “Ādaži Sports Championships”.
PZU continued its involvement in the educational program: “Ratujemy i Uczymy Ratować” (We Save and Teach to Save), implemented by the Great Orchestra of Christmas Charity Foundation (WOŚP). Through this initiative, teachers across Poland learned first aid principles and then passed this knowledge on to students of primary schools.
The Szpital 360 (Hospital 360) project was implemented at TUW PZUW. It included visits to selected medical facilities, led by doctors with medical and insurance experience. They analyzed procedures, the day-to-day management, and the organization of the medical entity. Following each visit, recommendations are prepared as a starting point for further actions. These include free upskilling trainings for medical personnel to improve the quality of health care and enhance patient safety. In addition, TUW PZUW supported medical facilities through the purchase of medical equipment from its prevention fund.
The PZU Zdrowie Group organized nationwide oncology campaigns: #myBREASTfriend and #dlaKOLEGIpytam (#askingforaFRIEND). The campaigns were conducted via social media using educational materials and interviews with doctors and experts. The goal was to encourage people to take preventive examinations.
LINK4 implemented the “4xJAKOŚĆ” (4xJAKOŚĆ) initiative, which aimed to improve quality in the areas of mental and physical health, as well as products and services. The project included webinars, meetings with experts, talks on harmony between body and soul, healthy eating, vitality, fighting depression, and parenting without pressure.
We care about culture
PZU engaged in projects to preserve cultural heritage and support the accessibility of culture to the general public. The initiatives that PZU joined in 2025 included: sponsorship of the 1000th Anniversary of the Coronation of Bolesław I the Brave, patronage of the Warsaw Rising Museum, the Royal Łazienki Museum in Warsaw, the Great Theater—National Opera, the National Museum in Warsaw, the National Museum in Krakow, and the Grand Theater in Łódź.
PZU was the Gold Partner of the Nineteenth International Fryderyk Chopin Piano Competition and the “Chopin and his Europe” Festival.
Support for biodiversity
BALTA entered into a sponsorship agreement with the “Riga Zoo” to support the modernization of an enclosure for ring-tailed lemurs, which are among the endangered species.
Employee volunteering
Other entities in the Group implemented volunteering initiatives on their own, often supporting local communities in need of assistance.
Costs incurred by the PZU Group for preventive activities reported in the Consolidated Financial Statements for 2025 are shown in Table 25 Other operating expenses under Prevention costs, and they amounted to PLN 78 million in 2025 and PLN 74 million in 2024.
Specific sponsorship and preventive initiatives were developed and implemented in response to the needs and voice of the community. Actions in this area are launched in response to requests. In accordance with internal regulations, prevention and sponsorship requests are subject to substantive evaluation and then submitted to the Sponsorship and Prevention Committee for decision. This process ensures stakeholder participation and real shaping of activities for the community.
The process of monitoring the implementation of each preventive and sponsorship initiative begins with the evaluation of the request and the Committee’s decision. Each request is registered in the internal system for handling sponsorship and prevention requests. A request may be accepted for implementation after an agreement has been entered into with the counterparty. The evaluation of the effectiveness of each initiative is composed of two stages: the ex-ante stage, i.e. forecast evaluation, and the ex-post stage, i.e. the verification of the achieved results. Each counterparty is evaluated in terms of its resources, required standards and certificates, meaningful experience, and holding relevant authorizations to perform the task. The evaluation is recorded in the system.
The implementation of each initiative finishes with the preparation of a report, which is subject to substantive review and approval of the internal unit at PZU. Details of the process are provided in PZU’s internal regulations for the prevention and sponsorship area. The PZU Group reports on the final results of the implementation of its social activities as part of its sustainability reporting. Presenting information on the implementation of business strategy and initiatives is not only fulfillment of the PZU Group’s disclosure obligations but also an active form of communication with stakeholders. More detailed information about ongoing activities is available on the PZU Group’s website and social media.
Other entities in the PZU Group monitor the implementation of their own initiatives in accordance with their internal regulations.
A report is drawn up on the implementation of each initiative.
