Navigation Map Download our best practices

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.

Other operating areas

Annual Report 2018 > BUSINESS > Business operations > Other operating areas
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Best Pratices in PZU

PZU Pomoc

PZU Pomoc provides auxiliary services to PZU Group companies, including:

  • managing the PZU repair network – at the end of 2018 the company cooperated with 895 repair shops;
  • organizing motor assistance services for Link4;
  • conducting salvage auctions and sales after loss and damage incidents;
  • supporting technical claims handling in motor claims;
  • handling assistance products for PZU and PZU Życie (among others, legal consulting, organization of assistance services etc.);
  • managing the loyalty program, PZU Pomoc w Życiu Club – at the end of 2018 nearly 1.9 million club members were eligible for insurance discounts and products of cooperating companies (rebate programs from partners). 


PZU CO is an auxiliary company for PZU Group companies, established to provide the following services: printing, IT, Data Center, Contact Center, auxiliary services related to insurance and pension funds, constant intermediation in conclusion of insurance agreements, financial and investment agreements, assistance agreements and HR and payroll-related services.

PZU Finance AB

PZU Group’s activity on the debt market is realized through PZU Finance AB with its registered office in Stockholm (Sweden). The company’s core business is to raise loan funds through the issue of bonds or other debt instruments and provide financing to PZU Group companies.

PZU Finance AB issued five year Eurobonds with nominal value of EUR 350 million on 16 October 2015. These bonds have been assimilated and now form a single series with the tap bonds with a nominal value of EUR 500 million issued by PZU Finance AB (publ) on 3 July 2014. SECTION 8.7 DEBT FINANCING


PZU LAB is a company dealing with advisory services and assistance in implementation of all kinds of solutions improving the security of the strategic corporate clients of PZU and TUW PZUW.

The company cooperates with numerous academic centers and experienced experts (local and foreign). The company constantly seeks new and effective technological solutions allowing to mitigate the risks which particularly impact the insurance activity.

The PZU LAB team has developed methods for cooperation with the existing and prospective clients. First, the engineers identify critical installation sites, simulate critical events such as fire, flooding or explosion, and determine their consequences. Then the possible scenarios and the methods of minimizing them are discussed. PZU LAB engineers implement innovative technological solutions in client companies wishing to improve their safety. This approach signifies an evolution in client relations. PZU ceases to be only a seller of insurance and becomes a risk management advisor.

Tower Inwestycje

The owners of Tower Inwestycje Sp. z o.o. are PZU Życie with a 73% stake and PZU with a 27% stake.

At present, the company conducts work associated with the office and commercial investment project located in a prestigious location in Wrocław at ul. Oławska 35 (Plac Dominikański) in a venue occupied for the past several decades by an office building owned by PZU. This investment is partially intended for the PZU Group’s needs and partially for lease. 

PZU Finanse

PZU Finanse Sp. z o.o. is a service company established for the purpose of keeping accounting ledgers for subsidiaries of the PZU Group (excluding PZU and PZU Życie).


Ogrodowa-Inwestycje Sp. z o.o. (Ogrodowa-Inwestycje) is the owner of the City-Gate office building (located at ul. Ogrodowa 58 in Warsaw) and leases office space to external clients and PZU Group companies.

PZU Corporate Member Lmited

On 28 September 2017, PZU acquired shares in PZU Corporate Member Limited, entitling it to 100% of votes at the shareholder meeting.

Through PZU Corporate Member Limited, the PZU Group expanded its international activity. The company is a member of Lloyd’s.

Lloyd’s is an association of over 80 syndicates managed by over 50 agencies.

PZU Corporate Member is handled by Argenta Holdings Limited. This agency deals with the ongoing activities of syndicates, invests their funds and employs underwriters.

Grupa Armatura

The PZU Group has held an equity stake in Armatura Kraków S.A. (Armatura Kraków) since October 1999. At present, Armatura Kraków is 100% owned by the PZU FIZ AN BIS 2 mutual fund.

Armatura Kraków SA (Armatura Kraków) is the parent company of the Armatura Group. The Armatura Group includes Armatura Kraków SA, Aquaform SA, Aquaform Bauprodukte, Aquaform Ukraine, Aquaform Romania, The business of the Armatura Group lies outside the domain of financial and insurance services. The group is a leading manufacturer in the sanitary and heating industry in Poland. The companies making up the Armatura Group specialize in the manufacture of bathroom and kitchen taps, aluminum central heating radiators, a wide range of valves and sanitaryware.


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