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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 .:
  • strategy (insurance, health, investments, finances);
  • sustainable development (sales, employees, social responsibility, natural environment and ethics).
The above-mentioned areas were additionally supplemented with related GRI indicators, within each selected issue.

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GRI content index

Annual Report 2019 > GRI content index
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Best Pratices in PZU


GRI Standard number Number of the indicator Indicator Page number
Reporting assumptions and bases
GRI 101   Reporting assumptions and bases  
Profile indicators [2016]
Organization profile
GRI 102 102-1 Name of the organization  
GRI 102 102-2 Description of the organization’s activity, primary brands, products, and/or services  
GRI 102 102-3 Location of organization’s headquarters PZU Head Office Warsaw, al. Jana Pawła II 24
GRI 102 102-4 Location of operating activities
GRI 102 102-5 Ownership and legal form
GRI 102 102-6 Markets served
GRI 102 102-7 Scale of the organization
GRI 102 102-8 Information on employees and other workers 
GRI 102 102-9 Description of the supply chain
GRI 102 102-10 Significant changes during the reporting period regarding size, structure, form of ownership and value chain The following changes transpired in the structure of the PZU Group in 2019 up to the date of publication of these financial statements:
  • On 31 January 2019, the final share purchase agreement was signed between PZU Zdrowie and the shareholders of Alergo-Med Tarnów Sp. z o.o.,
    under which PZU Zdrowie purchased shares in Alergo-Med Tarnów Sp. z o.o.; 
  • On 3 June 2019, PZU Zdrowie purchased shares in Falck Centra Medyczne Sp. z o.o. and Starówka Sp. z o.o.; 
  • On 29 October 2019, PZU Zdrowie entered into a preliminary share purchase agreement with THC SICAVRAIF SA, and on 9 December 2019 into final share purchase agreement for an equity stake in Tomma. At the same time, PZU Zdrowie, and thus also PZU, became an indirect owner of the following subsidiaries of Tomma: Asklepios Diagnostyka sp. z o.o. and Bonus-Diagnosta sp. z o.o., in which Tomma holds a 100% stake and 100% of votes at the shareholder meeting; 
  • On 16 December 2019, Specjalistyczny Zakład Opieki Zdrowotnej Multimed sp. z o.o. merged with Elvita Jaworzno III Sp. z o.o.
GRI 102 102-11 Precautionary Principle or approach
GRI 102 102-12 External initiatives, externally developed economic, environmental and social charters, principles, or other initiatives to which the organization subscribes or which it endorses
GRI 102 102-13 Membership in associations and organizations
GRI 102 102-14 Statement of senior management
GRI 102 102-15 Description of key impacts, opportunities and risks 
Ethics and integrity
GRI 102 102-16 Organization's values, code of ethics, principles and norms of behavior 
GRI 102 102-17 Mechanisms for advice and concerns about ethics; internal and external mechanisms making it possible to obtain advice regarding the behaviors in ethical and legal issues and issues associated with the organization’s integrity
Organizational governance
GRI 102 102-18 Governance structure
Stakeholder engagement
GRI 102 102-40 List of stakeholder groups engaged by the reporting organization 
GRI 102 102-41 Employees subject to collective bargaining agreements The indicator was not presented in the report due to sensitivity of the data.
GRI 102 102-42 Basis for identification and selection of stakeholders engaged by the organization 
GRI 102 102-43 Approach to stakeholder engagement, including the frequency of engagement 
GRI 102 102-44 Key issues and concerns raised by stakeholders and the organization's response, also by reporting them 
Reporting practice
GRI 102 102-45 Entities included in the consolidated financial statements
GRI 102 102-46 Process of defining the contents of the report and topic boundaries 
GRI 102 102-47 Identified key topics
GRI 102 102-48 Restatements of information, explanation of the effect of any adjustments to the information contained in previous reports as well as the reasons for their inclusion and their impact (e.g., mergers, acquisitions, change of year/reference period, nature of business, measurement methods)  Due to the extended scope of collected data, strengthening the quality of the management system and the carried out internal verification process, the information presented in the 2018 report were subject to correction.
GRI 102 102-49 Changes in reporting There were no significant changes from the previous report concerning the scope and extent of the report. 
GRI 102 102-50 Reporting period From 1 January 2019 to 31 December 2019.
GRI 102 102-51 Date of publication of the last report (if published)  The last report was published on 15 March 2019 an pertained to 2018 data. 
GRI 102 102-52 Reporting cycle Annual
GRI 102 102-53 Contact details Aleksandra Jakima-Moskwa
Investor Communication Coordinator (non-financial information)
GRI 102 102-54 Claims of reporting in accordance with the GRI Standards, specification of whether the report has been prepared in accordance with the GRI Standard in the Core or Comprehensive version  This report has been prepared in accordance with the GRI Standards: Core option. 
GRI 102 102-55 GRI content index
GRI 102 102-56 External assurance, the policy and the current policy concerning third party verification of the report  The report is not subject to third party verification. 
Approach to management
GRI 103 103-1 Explanation of the material topic and its Boundary
GRI 103 103-2 Approach to management and its components 
GRI 103 103-3 Evaluation of the management approach
Thematic indicators:
Economic topics:
Economic results [2016]
GRI 201 201-1 Direct economic value generated and distributed (taking into account revenues, operating expenses, employee salaries, subsidies and other investments for communities, retained profits and disbursements for capital owners and state institutions) 
Combating corruption [2016]
GRI 205 205-1 Operations assessed for risks related to corruption 
GRI 205 205-2 Communication and training on anticorruption policies and procedures in the organization  The indicator partially reported.
GRI 205 205-3 Confirmed cases of corruption and actions taken 
Violating the rules of free competition [2016]
GRI 206 206-1 Legal steps taken against the organization for anti-competitive behavior, anti-trust, and monopoly practices
Environmental topics
Materials [2016]
GRI 301 301-1 Raw materials/materials used by weight and volume 
Energy [2016]
GRI 302 302-1 Energy consumption by the organization, taking into account the types of raw materials 
GRI 302 302-4 Reduction of consumption of energy
Compliance with environmental regulations [2016]
GRI 303 303-1 Total water consumption by source
Emissions [2016]
GRI 305 305-1 Total direct (Scope 1) gas emissions
GRI 305 305-2 Total energy indirect (Scope 2) greenhouse gas emissions
GRI 305 305-3 Other indirect (Scope 3) greenhouse gas emissions
GRI 305 305-4 GHG emissions intensity
Compliance with environmental regulations [2016]
GRI 307 307-1 Cash value of penalties and total number of non-financial sanctions for non-compliance with the law and/or regulations on environmental protection 
Social topics
Employment [2016]
GRI 401 401-1 New employee hires and employee turnover
Occupational safety and health [2016]
GRI 403 403-2 Rate for injury, occupational diseases, lost days, and absenteeism, and number of work-related fatalities 
Education and training [2016]
GRI 404 404-1 Average number of hours of training per year per employee 
GRI 404 404-2 Managerial skill development and continuing education programs supporting continuity of employment of employees and transition assistance programs 
GRI 404 404-3 Percentage of employees receiving regular performance and career development reviews, by gender and employment category 
Diversity and equal opportunity [2016]
GRI 405 405-1 Composition of supervisory bodies and employees broken down into employee groups by gender, age and other diversity factors 
Counteracting discrimination [2016]
GRI 406 406-1  Incidents of discrimination and corrective actions taken
Marketing and labeling products and services [2016]
GRI 417 417-1 Internal requirements for product and service information and labeling 
GRI 417 417-2 Incidents of non-compliance with regulations and voluntary codes for product and service information labeling 
GRI 417 417-3 Incidents of non-compliance with regulations and voluntary codes concerning marketing communications 
Client privacy protection [2016]
GRI 418 418-1 Substantiated complaints regarding breaches of client privacy and data loss 
Compliance with social and economic regulations [2016]
GRI 419 419-1 Non-compliance with laws and regulations in the social and economic area
Sector-specific aspect: local communities
G4-FS13 Access points to sparsely populated areas that are less economically developed 
G4-FS14 Initiatives undertaken to improve access to financial services for disfavored persons 
G4-FS15 Policies for the fair design and sale of financial products and services 
G4-FS16 Initiatives to enhance financial literacy by type of beneficiary