Marketing Communication and Responsible Marketing Practices
Responsible promotion is based on accurate and transparent knowledge of our products, including any potential risks arising from changing macroeconomic conditions or regulatory developments. The marketing and advertising activities conducted within Pekao Group comply with applicable legal regulations, supervisory guidelines, financial market integrity standards, and ethical business practices, while respecting customers’ preferences regarding such activities.
A key regulation in this area is the Rules for Creating Marketing Communications at Bank Polska Kasa Opieki Spółka Akcyjna (hereinafter: the Rules for Creating Marketing Communications), which govern the Bank’s marketing communications and outline the overarching principles, including: compliance of all marketing activities with applicable laws, adherence to the Bank’s internal guidelines and industry organisation recommendations, and alignment with the Bank’s core values.
Our marketing communication is designed for all consumer groups and end-users, and any form of discrimination – especially on the basis of race, religion, or gender – is prohibited. The Rules for Creating Marketing Communications explicitly state that marketing communications must not imply that the Bank’s products or services are entirely risk-free or that the level of risk is lower than it actually is.
For investment products, in accordance with the Rules for Creating Marketing Communications, any information disseminated by the Bank – including advertising or promotional materials – must be presented accurately and explicitly state the risks associated with investments, including the potential loss of capital. Risk disclosures must be displayed using a font size at least equal to that used for highlighting potential benefits, with a layout that ensures visibility. Furthermore, marketing materials are distributed only to customers who, based on their responses to the MiFID questionnaire, fall within the target group for a given investment product, thereby minimising the risk of offering unsuitable products.