Subsequently, based on expert analysis, we developed the Group’s value chain, taking into account the complexity of internal processes, regulatory and technological requirements, the diversity of services, and customer segments.
Value Chain
Bank Pekao’s operations fall within a single sector: Banking, as part of the broader financial institutions macro-sector. Based on this classification, we have conducted a value chain mapping analysis, considering the following elements:
- Value chain element
- Type of value chain element
- Implementing element
- Identification of three key entities or categories for each element
- Geographical location of key entities
- Identification of ESG topics relevant to each value chain element.
Pekao S.A. Capital Group’s Value Chain.
According to the obtained results, our value chain consists of:
UPSTREAM of the value chain, which includes key elements of financial infrastructure, such as:
- payment systems, clearing houses, and deposit systems;
- cooperation with international payment card networks (Visa, Mastercard), technology and infrastructure providers, utility service providers, as well as telecommunications companies.
Within Upstream, we ensure operational continuity, reliability, and availability of provided services, as well as modern, user-friendly solutions.
ORGANISATION (ENTITY’S OPERATIONS IN THE SECTOR) constitutes the banking service system, which includes:
- retail banking;
- business banking;
- corporate banking;
- capital markets; and
- investment banking.
Our activities at this level are based on strong foundations, such as risk management, finance, human resources, and strategy. Within ORGANISATION, we strive to ensure continuous development of technology and operations, as well as employee competencies and the building of organisational culture.
DOWNSTREAM of the value chain is focused on serving various customer groups:
- Individual customers benefit from personal banking services, loans, and savings accounts;
- Public sector customers, including governments and local authorities, receive support in public finance management and bond issuance;
- Corporate customers and businesses have access to commercial loans, treasury services, and transaction handling, among others.
DOWNSTREAM also includes financial counterparties, such as other banks and supranational institutions. Activities within this segment are supported by advanced digital platforms, a professional distribution network, and marketing channels.
