PL
Annual Report 2023
About Bank
Letter of the President of the Management Board
Bank Pekao S.A. Group and Bank Pekao S.A.
Business model
Business Strategy and ESG Strategy
Strategy 2021-2024
Sustainable development strategy
Strategy execution in 2023
Strategic approach to ESG issues
Bank’s efforts to implement the Sustainable Development Agenda
Communication with stakeholders
Bank in 2023
Bank Pekao S.A. on the Polish banking market
Operating conditions
External Activity Conditions
Important factors influencing the Group’s activities and results
Major sources of risk and threats
Changes in the regulatory environment for sustainable finance
Awards and distinctions
Bank’s position in ESG ratings and indices
Results
Summary of Performance
Financial notes
Major areas of activities of the Group’s subsidiaries
Banking activity
Assets management
Leasing activity
Factoring activity
Transactional advisory
Other financial services
Information for the Investors
The Bank’s share capital and share ownership structure
Performance of market valuation of Bank Pekao S.A.’s stock
Dividend payment history
Investor Relations
Financial credibility ratings
Capital adequacy
Prospects for Development
Climate and environment
Climate and environment – introduction
Green and sustainable products
Climate risks and opportunities
ESG risks in the credit business
Reduction of the consumption of raw materials and resources
Pekao Group carbon footprint calculation
Taxonomy
Mandatory disclosures under the Taxonomy Regulation
Disclosures
Disclosure to the extent specified by the Principle Adverse Impacts under the SFDR
Social commitment
Social commitment – introduction
Mission, values and corporate culture
Employee Volunteer Work Program
Community service, charity and sponsorship
Bank’s response to armed conflict in Ukraine
Responsible sales, quality management
Caring for good customer experience
Complaint process
Principles for the fair design and sale of financial products and services
Responsible marketing
Bank’s image
Consumer protection
Customer safe online
Development of innovation in business operations
Employees
Information on employment structure
Core employment regulations
Bank as an employer
Recruitment, internship and apprenticeship programs
Employer branding activities
Inclusive organization
OHS issues
Medical care and health-promoting activities
Ethics and corporate governance
Business ethics and corporate governance – introduction
Preventing corruption
Whistleblowing procedure and Compliance Policy
Conflict of Interest Management
Counteracting crime and countering money laundering and terrorist financing
Control and repair mechanisms
Compliance culture
Approach to risk management
Human rights
Observance of human and worker rights – introduction
Bank regulations in line with the 10 Principles of the United Nations Global Compact
Prevention of mobbing and discrimination
Relations with the trade unions
Responsible purchasing process
5. Significant accounting policies
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5. Significant accounting policies
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5.1. Basis of preparation of Consolidated Financial Statements
5.2. Consolidation
5.3. Foreign currencies
5.4. Valuation of financial assets and liabilities
5.5. Significant estimates and assumptions
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4.4 Interest rate benchmark reform
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5.1. Basis of preparation of Consolidated Financial Statements
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