On the 27th April 2018 PKO Bank Hipoteczny will issue PLN 700 million of PLN-denominated covered bonds with the maturity date falling on the 25th April 2024. Spread over WIBOR 3M of 49 bps was set in the bookbuilding process which was conducted on 24th April 2018.
The appointment of Paulina Strugała as the President of the Bank's Management Board was provided upon the approval by the Polish Financial Supervision Authority. From 16 April 2018 until the date of obtaining the approval, Paulina Strugała will be the Vice President of the Management Board acting as the President of the Bank’s Management Board.
Please familiarise yourself with the information below and consent to the Bank’s processing, via the online information service, of your personal data for statistical and marketing purposes by clicking the “I agree” button. Consent to processing of data may be withdrawn at any point by removing the cookies in the settings of your browser, using the method described in the section titled “Revocation of consent to data collection by the Bank’s Online Information Service”.
Protecting the privacy of users of the online information service is very important for the Bank. Below we present information concerning the data collected and the rules for its storage and use. The use and collection of information about users of the online service is limited to the minimum required for the Bank to provide services of the highest quality.
This section contains information concerning the tools used by the Bank to ensure the greatest possible ease of use of the online information service (cookies, system logs) and on the data collected by advertising agencies and other entities that conduct analysis.
The Bank protects user data, so before opening the online information service, the
user’s browser will provide information on what data are collected.
We process data in order to:
What data do we collect?
The Bank makes every effort to make the online information service easy to use. To increase its efficiency, anonymous cookies are used, and statistical data are collected on the phrases most commonly entered into the search engine, on the basis of which the service’s navigation is continuously updated, so that searches for content are convenient and intuitive.
Cookies are small text files from websites, recorded by the information service user’s browser.
Cookies contain only information about the user’s activity in the online information service, from which they were sent. Switching off the cookie function in the user’s browser may make it difficult or impossible to use certain functions of the service.
Cookies are used only to collect anonymous statistical data on users to
improve the ease of using the online information service, as well as minimising
the intrusiveness of advertising. Financial data are not collected, nor are data
identifying or allowing the identification of users of the service.
Browsers allow a distinction between the following types of cookie:
System logs, or registers of events, are chronological records of events and actions related to a website. They contain data such as the IP address from which a given sub-page was accessed, the address of that page and the time of the connection. System logs are used by the Bank in particular for statistical purposes. Analysis of system logs also makes it possible to tailor the content of a website and the marketing content to the user’s preferences.
Links to other websites
The Bank is not responsible for the privacy protection rules applied by the owners of pages to which links are found in the online information service. Users are requested to familiarise themselves with the content of privacy protection notices on those websites.
Some of the service’s pages use Floodlight technology, which is used to create aggregate statistics on the use of the website. A Floodlight tag is an electronic single-pixel or transparent image.
A Floodlight tag may recognise certain information on users’ computers such as the number of a cookie file, the time and date a page was accessed and the description of the page on which the tag is placed.
Advertising agencies and other entities that perform analysis of the
During visits to the pages of the online information service, cookies or Floodlight tags from online advertising agencies working for the Bank, and other entities that perform analysis, are recorded on the user’s computer. This makes it possible to recognise users of the information service during future visits, to present advertisements taking the user’s preferences into account, collecting statistics as part of the information service or measuring user reactions to advertisements.
A list of the advertising agencies and other entities that perform analysis that the Bank works with can be found on the Bank’s website at https://www.pkobh.pl/en/about-us/information-required-by-law/etities.
development of Internet technology; changes in the generally applicable provisions of
the law, including in the area of personal data protection; and the development of the
online information service.
We will announce such changes on the website of the Bank’s online information service. (http://www.pkobh.pl/en/privacy-policy).
End of Microsoft support for Windows XP – keep your account safe on the Internet
According to information on Microsoft’s websites, after the end of technical support on 8 April 2014 Windows XP will continue to operate, but computers may be at greater risk from malware and attacks by cyber-criminals – find out more.
Even if the most up-to-date antivirus programs and firewalls are used, computers using Windows XP may be significantly vulnerable to such attacks, which may result in the theft of access data (logins and passwords) to transaction services, or e.g. a third party taking control of the computer.
Only continuously updated software and support from the producer for the operating system provide increased security. This is why the Bank recommends that users of the online information service use operating systems covered by full technical support from their producers, and update of the operating system to newer versions of Windows or change to another operating system that can be systematically updated. More information can be found on the website of Microsoft, the producer of Windows XP.
Users who, after familiarising themselves with the information available online, do not want cookies to remain in their device’s browser should delete them from the browser after concluding their visit to the online information service.
The administrator of personal data is PKO Bank Hipoteczny Spółka Akcyjna, with its registered office in Gdynia, address: ul. Jerzego Waszyngtona 17, 81-342 Gdynia, registered in the District Court for Gdańsk-Północ in Gdańsk, VIII Commercial Division of the National Court Registry under the number KRS 0000528469; NIP taxpayer ID No. 204-000-45-48; REGON: 222181030; share capital (paid-up capital) 1,200,000,000 złoty; telephone +48 58 662 92 40 (secretariat), e-mail: PKOBankHipoteczny@pkobh.pl, hereinafter “the Bank”.
Data Protection Inspector
The Bank has appointed a Data Protection Inspector, address: Inspektor Ochrony Danych PKO Banku Hipotecznego S.A., ul. Puławska 15, 02-515 Warszawa, e-mail: email@example.com. Data concerning the Data Protection Inspector are available on the Bank’s website in the “GDPR” section (https://www.pkobh.pl/en/gdpr).
Access to client data
The Bank does not make client data related to cookies available to any external entity.
The Bank does not combine clients’ personal data with cookies from third parties. Such data are not made available to third parties.
Detailed information on the Bank’s processing of personal data is available on the Bank’s website in the “GDPR” section (https://www.pkobh.pl/en/gdpr).