Management Board’s report on the activity of the PZU Group and PZU S.A. for 2023 is also an integrated report. The report presents the PZU Group’s activities by integrating financial and business results along with environmental, social, and corporate governance issues. The non-financial information presented in this report is to help readers understand better, improve the results in respect of ESG strategy execution and cultivate long-term relations with key stakeholders.
2023 - key figures
* aROE – adjusted return on equity, calculated on a capital basis excluding cumulative other comprehensive income relating to insurance and reinsurance financial income and expenses; aROE attributable to equity holders of the parent company
** ROE – return on equity attributable to equity holders of the parent company
Integrated Report 2023
About the PZU Group
External environment
- 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 2024 and in the medium term
Risks and opportunities
Corporate governace (G)
Statement on the application of corporate governance rules
- Financial conglomerate
- PZU’s collection of corporate governace 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
- Remunerations
Corporate culture and key business conduct policies
Society (S)
Other statements
