Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No. 648/2012.
The Act of 23 April 1964 - Civil Code.
The Act of September 15, 2000 the Code of Commercial Companies.
Person who cedes an account receivable to a buyer.
Cash generating unit.
Act of 23 April 1964 entitled Civil Code.
Court of Justice of the European Union.
Chief operating decision maker within the meaning of IFRS 8 – Operating segments.
Act of 15 September 2000 entitled Commercial Company Code ECSs – Employee Capital Schemes defined by the provisions of the Act of 4 October 2018 on Employee Capital Schemes.
Consolidated financial statements of the PZU Group prepared in accordance with IFRS for the year ended 31 December 2020.
Return on equity calculated as the ratio of the annual net profit to the arithmetic mean of consolidated equity at the beginning and end of the reporting period; an increase in the value of this indicator signifies an improvement in efficiency and the ability to multiply funds entrusted by the owners.
Combined Ratio – calculated for the non-life insurance sector (section II). This is the ratio of insurance expenses related to insurance administration and the payment of claims (e.g. claims, acquisition and administrative expenses) to the net earned premium for a given period.
(C/I; banking sector) – quotient of a bank’s operating expenses to its income: on interest, fees and commissions and trading.
Method for assessing the credibility of an entity (usually a natural person or a business) applying for a bank loan. The result of credit scoring is ordinarily presented in the form of a score – the higher the number of points, the greater the credibility of a prospective borrower.
A sales strategy for selling a given insurance product in combination with a complementary insurance product or an insurer’s partner’s product, e.g. a bank’s product. Bancassurance products such as credit insurance may serve as an example.
Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms (Capital Requirements Regulation).
Corporate Social Responsibility a concept according to which companies voluntarily take into account social interests and environmental protection as well as relations with diverse groups of stakeholders at the stage of building their strategy.
Learn more about
PZU Group Strategy 2021-2024 - #PZU Potential and growthExplore
Go to the
Extensive download center containing information and materials about PZUExplore
Magdalena Komaracka, IR Director, tel. +48 (22) 582 22 93
Piotr Wiśniewski, IR Manager, tel. +48 (22) 582 26 23
Aleksandra Jakima-Moskwa, tel. +48 (22) 582 26 17
Aleksandra Dachowska, tel. +48 (22) 582 43 92
Piotr Wąsiewicz, tel. +48 (22) 582 41 95