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Business model

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  • Insurance

    Insurance

  • Investment activity

    Investment activity

  • Health care

    Health care

  • Asset Management

    Asset Management

  • Banking

    Banking

Insurance
Protection of property / Motor insurance / Homeowners and householders insurance / Insurance for enterprises / Agricultural insurance / Financial insurance / Travel insurance / Protection of the future / Group and individually continued protection products / Individual life insurance
Insurance - the main and primary pillar of PZU Group’s activity. Each day, PZU ensures that the offered products match the needs of the clients and the quality of customer services concerning events covered by insurance is at the top possible level.
36.2%

36.2%

Market lider in property and casualty insurance in Poland and Batics.

PZU Group’s share in the Polish non-life insurance market 36.2%, including 2.3% share of Link4.

11 <small>mln</small>

11 mln

Number 1 in Poland in life insurance servising more then 11 million customers in group life and individually continued insurance.

Share of PZU Życie in periodical gross written premium 45.1%.

8 758

8 758

PZU’s own agency network consisted of 8,758 exclusive agents, including persons performing agency activities.

The agency network included roughly 1,100 in the Baltic states and almost 700 agents in Ukraine.

3 232

3 232

3,232 multiagencies working with PZU Group on the Polish insurance market.

The Group cooperates with 2 multiagencies in the Baltic states and 10 multiagencies in Ukraine.

Investment activity
Securing the payment of insurance liabilities / Investment prudence (in accordance with the prudent person principle defined in Solvency II Directive) / Long-term diversification of risk in the portfolio / Reduction of volatility of the investment result and ensuring stability of the dividend policy
Investment activity – the collected premium is invested according to the „prudent investor” rule. This means that all funds are invested in a way ensuring security, quality and liquidity with preservation of profitability.

Investment composition – 2016

Investment composition – 2016

Investment composition – historical

Investment composition – historical

Investment result (in mln)

Investment result (in mln)

Investment in technology

Investment in technology

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Health care
Health insurance / Medicine insurance / Health care services: general health care and additional services packages
Health – PZU offers health insurance and private health care packages by PZU Zdrowie activity. The company focuses on implementation of solutions aimed at e.g. reducing the time required to wait for doctor’s appointment, high-tech treatments and range of services.
1.3 <small>mln</small>

1.3 mln

PZU Zdrowie clients: 1.3 million

<small>PLN</small> 363.8 <small>mln</small>

PLN 363.8 mln

PZU Zdrowie revenue: PLN 363.8 mln

1,800

1,800

In the segment of health insurance and health care services provided by PZU Group, the clients have almost 1,800 establishments at their disposal.

3

3

Three medical entities acquired by PZU Zdrowie in 2016: CM Cordis, Polmedic and Artimed NZOZ.

Asset Management
Participation units TFI / Pillar II of the pension system (OFE) / Pilar III of the pension system (employment pension products - EPP, individual pension accounts – IKE, and individual pension security accounts – IKZE)
Asset Management – under the PZU Inwestycje brand, PZU offer numerous investments, savings and retirement plans.
8.6%

8.6%

TFI PZU managed net assets of over PLN 22 billion for a market share of 8.6%.

13.0%

13.0%

OFE PZU Złota Jesień held 13.0% of the total value of assets of open pension funds operating in Poland, making it the third-biggest pension fund in 2016.

122

122

At the end of December 2016, TFI PZU was handling the total of 122 programs for 123.5 thousand people with total net assets almost: PLN 4 billion (+17.2% y/y).

16.2%

16.2%

OFE PZU maintained its leadership in number of members on the Individual Pension Security Accounts (IKZE) market among the voluntary pension funds.

It also recorded the highest rate of return out of all DFE on the market, i.e. 16.2% (+7.1 p.p. y/y).

Banking
Current accounts / Savings accounts / Terms deposit / Credits and loans
Banking – PZU treats activity in the banking sector as an investment as well as a option for the expanding of bancassurance model to generate value for shareholders.
<small>PLN</small> 691 <small>mln</small>

PLN 691 mln

In 2016, PZU increased involvement in the banking sector through Alior Bank’s acquisition of an independent part of Bank BPH.

Alior Bank’s contribution to the operating result of the Group in 2016 amounted to: PLN 691 million

9 <small>th</small>

9 th

Alior Bank, as a result of acquiring separated part of Bank BPH, is 9th on the market concerning gathered assets.

20%

20%

On 8 December 2016, PZU concluded an agreement with UniCredit to purchase 20% of Bank Pekao S.A. shares (together with the PFR Polish Development Fund – 32.8%).

2 <small>th</small>

2 th

Bank Pekao S.A. is 2nd on the market concerning gathered assets.

We are fair

Our offer is clear and satisfies real expectations of our clients; we follow transparent rules in operating the organization.

We are effective

We offer friendly customer service and competitive prices to our clients; we control the costs, ensure that processes are smooth.

We are innovative

We continually adapt to the changing needs of the clients; we proactively search for ways to improve our business.