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About Pekao Bank and the Pekao Group
History and market position
Organizational Structure
Business model
Pekao on the Polish financial services market
Retail Banking And Private Banking
Enterprise Banking
Corporate And Investment Banking
Major areas of activities of the Group’s subsidiaries
Strategy and outlook
Mission, vision and values
The Bank’s Strategy for 2025–2027
Factors which will affect the results of the Group
Further information
Investing in human capital
Major sources of risk and threats
Sponsorship and charity policy
Capital adequacy
The Bank and the Pekao Group in 2025
Selected financial data and indicators
Highlights and Summary of Performance
Awards and distinctions
External Activity Conditions
Pekao Group’s financial results
The consolidated income statement
Structure of the consolidated statement of financial position
The Bank’s financial results
The Separate income statement
Structure of the separate statement of financial position – short form
Statement on the Application of Corporate Governance Principles
Introduction – Statement on the application of corporate governance principles
The Bank’s governing bodies
The Management Board
Supervisory Board
Description of the diversity policy
Sustainable Development
General disclosures [ESRS2]
Corporate governance [GOV-1]
ESG goals in the Strategy [SBM-1]
Value chain [SBM-1]
Stakeholder map [SBM-2]
Identification and assessment of impacts, risks and opportunities [ESRS2]
Resilience analysis of Pekao Group’s Strategy and business model [SBM-3]
Managing Impacts, risks and opportunities [IRO-1]
External assurance
Environment
Transition Plan [E1-1]
Climate change mitigation and adaptation [E1-2]
Metrics and targets [E1-4]
Greenhouse Gas Emissions [E1-6 – E1-9]
EU Taxonomy
Society
Own workforce [S1]
Managing impacts, risks and opportunities [S1-1]
Procedures for engaging with own workforce and employee representatives on impacts ESRS [S1-2]
Remediation processes for negative impacts and channels for raising concerns by own workforce [S1-3]
Actions in relation to material impacts [S1-4]
Metrics and targets [S1-5 – S1-17]
Consumers and end-users [S4]
Managing impacts, risks and opportunities [S4-1]
Processes for engaging with consumers and end-users on impacts [S4-2]
Remediation processes and channels for consumers and end-users to raise concerns [S4-3]
Actions on material impacts on consumers and end-users [S4-4]
Metrics and targets [S4-5]
Business Conduct
Managing impacts, risks and opportunities [G1-1]
Supplier relationship management [G1-2]
Preventing and detecting corruption and bribery [G1-3]
Metrics and targets [G1-4]
Financial credibility ratings
Istotne oddziaływania, ryzyka i możliwości oraz ich wzajemne związki ze strategią i z modelem biznesowym
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