As part of our double materiality assessment, we asked ourselves which aspects of our operations impact our customers, both positively and negatively. This analysis led us to identify six key areas that shape our customers’ experience: non-discrimination, access to information, access to products, personal and financial security, consumer privacy (including data protection), and marketing communication with responsible marketing practices. Understanding these areas enables us to refine our approach, enhancing service quality and fostering long-term trust.
Management of Impacts, Risks, and Opportunities

Policies Related to Consumers and End-Users [S4-1]
At our Bank, the foundation of our daily operations, as well as our core values and standards, is the Pekao Group Code of Conduct (hereinafter: the “Code of Conduct”). It ensures transparency and alignment with best practices, serving as a guiding framework for all our activities – both internal and external – conducted in accordance with ethical and professional standards. The Code of Conduct plays a key role in shaping trust, service quality, and accountability in our relationships with customers and business partners.