INTEGRATED REPORT 2024
PL
About PZU Group
Group characteristics
Products and services
Brand
Four pillars of PZU Group Strategy
Milestones of PZU Group’s growth
PZU Group’s structure
Participation in associations and industry organizations
Selected awards and distinctions
Business model
Capital and value creation
Value chain
Supply chain
Operating activities
Sales and distribution
Enviroment
The most important economic trends in Poland and abroad
Polish and Baltic Countries insurance sector compared to Europe
Polish health care sector compared to Europe
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
Factors that may affect PZU Group’s operations and results in 2025 and in the medium term
Strategy and perspectives
Strategic ambitions by 2027
Implementation of the strategy in 2021–2024
A strategic perspective
Risk management
PZU Group’s risk profile
Risk management system
Risk sensitivity
Performance
Key factors affecting the financial results achieved
PZU Group’s income and costs
PZU Group’s asset and liability structure
Contribution made by the market segments to the consolidated result
PZU’s standalone results
Dividend
Financial rating
Analysts’ recommendations
PZU Group’s financial data
DMA
PZU Group’s business model and value chain
Stakeholder Engagement
Double Materiality Assessment
An introduction to double materiality assessment
Procedures for preparing the double materiality assessment
Double Materiality Assessment
Anticipated effects and resilience of PZU Group’s strategy
Environment (E)
Approach to climate change
Managing material impacts, risks, and opportunities related to climate change
Energy consumption and energy mix
Carbon footprint of the PZU Group
Notes to E1 topical disclosure
Taxonomy disclosures of PZU Group
Social (S)
Employees of PZU Group
Managing material impacts, risks and opportunities and their interaction with strategy and business model
Indicators related to own workforce
Management of own workforce
Additional information on policies related to own workforce
Collaboration with employees
Channels of communication and dialogue with employees
Targets and actions affecting own workforce
Affected communities
Managing material impacts, risks and opportunities and their interactions with strategy and business model
Policies related to affected communities
Processes for engaging with affected communities about impacts
Targets related to managing impacts, risks and opportunities
Actions related to community impacts
Customers and end-users
Material impacts, risks and opportunities and their interaction 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
Mitigation of PZU Group’s negative impacts on consumers and end-users
Actions addressing impact on consumers and endusers
Targets related to managing impacts risks and opportunities
Corporate Governance (G)
The role of the administrative, management and supervisory bodies
Prevention and incident identification processes
Management of relationships with suppliers
Statement on the application of corporate governance
Financial conglomerate
PZU’s collection of corporate governance rules
Application of corporate governance rules
Information policy and communications with investors
Management Board and Supervisory Board
Internal systems and functions
Shareholder Meeting and relations with shareholders
Conflict of interest and transactions with related parties
Payroll
Payment practices
Corporate culture and business conduct policies and corporate culture
Cybersecurity
General disclosure
Basis for statement preparation
Notes to the Sustainability Statement
ESG governance in PZU Group
PZU INTEGRATED REPORT 2024
Statement on the application of corporate governance
Statement on the application of corporate governance
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