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Interactive navigation is a tool that goes beyond the standard navigation of the integrated content (available in the report drop-down bar). New approach allowed to navigate in the two additional business dimensions of the PZU Group, i.e .:
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The above-mentioned areas were additionally supplemented with related GRI indicators, within each selected issue.
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Banks - factors that may affect the PZU Group in 2022

PZU AR 2021 > Strategy and outlook 2021+ > Challenges - market and operations > Banks - factors that may affect the PZU Group in 2022
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The main risk factors include:

  • the scale of demand for banking services and the ability of banks’ customers to timely pay their liabilities largely depends on the customers’ financial situation. Apart from the country’s macroeconomic standing, the economic situation of a number of customer groups also depends on the national economic policy being pursued. Both a lower growth rate of the Polish economy and changes in the legal and fiscal framework for the operation of enterprises may exert an adverse impact on the financial standing of selected customers;
  • ongoing consolidation and restructuring processes in the banking sector;
  • development of banking services offered by non-regulated entities;
  • interest rate policy of the Monetary Policy Council;
  • the tax and regulatory environment, including in particular the existence of a tax on certain financial institutions, high equity requirements, contributions to Bank Guarantee Fund (BFG), costs of further adjustments to numerous regulatory solutions (e.g. MIFID II, GDPR, PSD II, MREL).