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Integrated Report 2024

Gross Greenhouse Gas Emissions for Scopes 1, 2, and 3 and Total Greenhouse Gas Emissions [E1-6]

  • Gross Greenhouse Gas Emissions for Scopes 1, 2, and 3 and Total Greenhouse Gas Emissions [E1-6]

To calculate greenhouse gas emissions under Scopes 1 and 2, we applied the methodology outlined in the GHG Protocol Corporate Standard. Due to the nature of our business activities, we do not fall under the European Union Emissions Trading System. The scope of the calculation covered Pekao Group. The calculations were based on internally collected data on the volumes of raw materials consumed (e.g., electricity, petrol, mileage) as well as information published by the National Centre for Emissions Management (KOBIZE), the Energy Regulatory Office (URE), the Department for Environment, Food and Rural Affairs UK (DEFRA), and electricity suppliers. We do not identify biogenic emissions in any category. Greenhouse gas emissions are consistently expressed in tonnes of carbon dioxide equivalent. No external calculation tools were used in the estimation.

As of the reporting date, we had no information regarding circumstances that would significantly impact greenhouse gas emissions.

Pekao Group makes use of guarantees of origin for electricity from renewable sources and engages in Power Purchase Agreements (PPA). The electricity procured under these agreements accounts for 29% of the Group’s total electricity consumption.

29
%
consumption based on contracts using guarantees of origin of electricity

The GHG balance for Scope 3, prepared in accordance with the GHG Protocol Corporate Accounting and Reporting Standard, includes only Category 15 in 2024. Categories 1–14 were excluded from the Scope 3 balance in 2024.  An assessment for 2023/24 to determine the materiality of emissions from these categories showed that only Category 2 (Capital Goods), Category 3 (Fuel- and Energy-Related Activities [location-based]), and Category 7 (Employee Commuting) exceeded 0.1% of the emissions calculated for Category 15.

Nonetheless, as part of our GHG inventory process within the supply chain, we have identified categories that are relevant for estimation and reporting from the perspective of a financial institution’s business profile (in addition to Category 15), namely:

  • Purchased Goods (Category 1),
  • Capital Goods (Category 2),
  • Fuel- and Energy-Related Activities (Category 3),
  • Business Travel (Category 6),
  • Employee Commuting (Category 7),
  • Upstream Leased Assets (Category 8),
  • Downstream Leased Assets (Category 13), and
  • Franchises (Category 14).

These will be included in the Scope 3 category balance in subsequent years.

The remaining Scope 3 categories were deemed irrelevant due to the nature of the Bank’s operations or the unavailability of reliable data for precise calculations. This approach aligns with domestic market practices. In the current reporting year, we do not identify any biogenic emissions resulting from biomass combustion or biodegradation in any emissions category within our value chain.

The calculated GHG emissions are consistently expressed in tonnes of carbon dioxide equivalent. The scope of calculations for Category 15 covered the exposures of the Bank and its subsidiaries: Pekao Bank Hipoteczny, Pekao Leasing, and Pekao Faktoring. As a result, all entities under the Group’s operational control that provide financing and hold investments in debt and equity instruments were included. The calculation also included the finance lease portfolio. The calculation did not include assets in the value chain, primarily assets and investments managed by the Group and not recognized on the Group’s balance sheet, such as assets of investment funds managed by the Group, were not included.

We identified three asset classes in the financial statement that are considered to calculate the financed emissions (financial assets other than held for sale at fair value through profit or loss, financial assets at fair value through other comprehensive income and financial assets valued at amortised cost).

Pekao does not calculate average data quality per asset class in the financial statement, however, the Group calculates average data quality per asset classes as defined by PCAF. The averages are as follows:

  • Business loans - 4.64
  • Equity and bonds - 4.02
  • Project finance - 4.77
  • Commercial Real Estate - 3.83
  • Retail Real Estate - 4.0
  • Motor vehicle loans - 3.96

For the purposes of financed emissions calculation for the sovereign debt portfolio we used data sources recommended by PCAF, such as the World Bank and databases managed by the United Climate Change. We covered 77.82% of the Group on-balance financial assets.

The calculations were conducted within the following asset classes, as defined by the Global GHG Accounting and Reporting Standard for the Financial Industry, developed by the PCAF, of which we have been a member since July 2024. The calculation covered all asset classes defined by this standard that exist within the Group:

  • Corporate Financing Portfolio, including general-purpose exposures (business loans and unlisted equity) and project finance exposures;
  • Motor Vehicle Loan Portfolio, which in the Group encompasses both credit exposures and all leasing exposures[1];
  • Mortgage-Backed Loan Portfolio, including retail mortgages and commercial real estate loans;
  • Listed Equity and Corporate Bonds Portfolio;
  • Sovereign Debt Financing Portfolio.

For the purpose of financed emissions calculations, the Group relied on both internal and external data sources. The scope of data obtained from external sources included:

  • Data from the Central Register of Energy Performance of Buildings, maintained by the Ministry of Development and Technology;
  • Average emission factors from the European building emissions database maintained by the PCAF, used for calculating financed emissions related to mortgage loans;
  • Reported emissions (emission data collected directly from borrowers or companies in which investments were made);
  • Average emission factors from the European asset emissions database maintained by the PCAF;
  • Financial and corporate emissions data reported by customers, obtained from Bloomberg and Refinitiv Eikon.

The percentage of financed GHG emissions in the Group’s portfolio, calculated based on primary data (energy performance certificates and corporate reporting), amounted to 40% in 2024.

Other Scope 3 categories identified as materially relevant will be disclosed in subsequent years.

Greenhouse gas emissions by Scope 1, 2 and 3 in Pekao Group

PEKAO GROUP
RETROSPECTIVE DATA INTERMEDIATE OBJECTIVES AND YEARS COVERED BY THE OBJECTIVE
2022 2023 2024 % 2024 /2023 2025 2030 2050 ANNUAL TARGET IN % / BASE YEAR
SCOPE 1 GREENHOUSE GAS EMISSIONS
Gross Scope 1 GHG emissions in metric tons of CO2 equivalent 8,104 8,121 8,704 107% – – – –
Percentage of Scope 1 GHG emissions from regulated emissions trading systems (%) 0 0 0 0 – – – –
SCOPE 2 GREENHOUSE GAS EMISSIONS
Gross Scope 2 GHG emissions in metric tons of CO2 equivalent (location based) 64,153 33,529 24,498 73% – – – –
Gross Scope 2 greenhouse gas emissions in metric tons of CO2 equivalent (market based) 57,312 No calculation 24,604 – – – – –
SIGNIFICANT SCOPE 3 GREENHOUSE GAS EMISSIONS
Total gross indirect (Scope 3) greenhouse gas emissions in metric tons CO2 equivalent 14,657 189 – – – –
15) Inwestycje   Investments 14,657,189 – – – –
TOTAL GREENHOUSE GAS EMISSIONS  
Total emissions in metric tons of CO2 equivalent (location-based) 72,257 41,650 32,382 78% – – – –
Total emissions in metric tons of CO2 equivalent (market-based) 65,416 No calculation 32,513 – – – – –

Greenhouse gas emissions by Scope 1, 2 and 3 in Bank Pekao and its subsidiaries:

BANK COMPANIES TOTAL
RETROSPECTIVE DATA INTERMEDIATE OBJECTIVES AND YEARS COVERED BY THE OBJECTIVE RETROSPECTIVE DATA INTERMEDIATE OBJECTIVES AND YEARS COVERED BY THE OBJECTIVE
2022 2023 2024 % 2024 /2023 2025 2030 2050 ANNUAL TARGET IN % / BASE YEAR 2022 2023 2024 % 2024 /2023 2025 2030 2050 ANNUAL TARGET IN % / BASE YEAR
SCOPE 1 GREENHOUSE GAS EMISSIONS
Gross Scope 1 GHG emissions in metric tons of CO2 equivalent 7380 7180 7667 107% – – – – 724 941 1037 110% – – – –
Percentage of Scope 1 GHG emissions from regulated emissions trading systems (%) 0 0 0 0 – – – – 0 0 0 0 – – – –
SCOPE 2 GREENHOUSE GAS EMISSIONS
Gross Scope 2 GHG emissions in metric tons of CO2 equivalent (location based) 62634 32236 23306 72% – – – – 1520 1293 1193 92% – – – –
Gross Scope 2 greenhouse gas emissions in metric tons of CO2 equivalent (market based) 55681 – 23269 No calculation – – – – 1631 No calculation 1335 – – – – –
SIGNIFICANT SCOPE 3 GREENHOUSE GAS EMISSIONS
Total gross indirect (Scope 3) greenhouse gas emissions in metric tons CO2 equivalent 11 809 197 – – – – 2 847 993 – – – –
15) Investments 11 809 197 – – – – 2 847 993 – – – –
TOTAL GREENHOUSE GAS EMISSIONS  
Total emissions in metric tons of CO2 equivalent (location-based) 70014 39416 30152 76% – – – – 2244 2234 2230 100% – – – –
Total emissions in metric tons of CO2 equivalent (market-based) 63061 – 30141 No calculation – – – – 2355 No calculation 2372 – – – – –

Greenhouse gas emission intensity to revenue ratio

GREENHOUSE GAS EMISSION INTENSITY RELATIVE TO REVENUE 2023 2024
Total greenhouse gas emissions (location-based method) per net revenue (t CO2 equivalent / monetary unit) 0,00019% 0,00014%
Total greenhouse gas emissions (market-based method) per net revenue (t CO2 equivalent / monetary unit) In 2023, we did not calculate emissions using the market-based method 0,00014%

As net income we define income from: Interest, commissions and dividends (values are in accordance with the Bank’s 2024 Financial Statements).

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