We are an issuer of mortgage covered bonds

Our mission is to take responsible care of the bank's stakeholders by providing:

• customers – credit products tailored to their needs in the area of real estate financing,
• investors – mortgage bonds with a high level of security,
• employees – a diverse and friendly working environment,
• shareholders – a source of stable financing.

The strategic objectives of our bank as defined in the strategy are:

• maintaining a safe level of risk in our operations,
• undertaking sustainable development activities in the context of ESG,
• obtaining medium- and long-term financing in the form of mortgage bonds for real estate financing,
• optimal use of assets and competencies, among other things, to achieve synergies within the PKO Bank Polski Capital Group.

The strategy for 2023-2025 places great emphasis on environmental aspects. The inclusion of ESG issues in the strategy is in line with the strategy of the PKO BP Capital Group, but also with our sense of responsibility.  The new strategy aims to promote ESG throughout the organisation by conducting the bank's activities with consideration for their impact on:

• the natural environment,
• social responsibility,
• corporate governance.

Out of concern for our common future, taking into account the perspectives of customers, investors and employees:

• we create financing offers for ‘green’ residential properties,
• we issue green mortgage bonds,
• we promote pro-ecological solutions for real estate,
• we want to reduce our carbon footprint in our own operations,
• we reduce the consumption of plastic and printed materials,
• we participate in socially responsible initiatives in the field of mortgage products, including sectoral work,
• we educate customers about mortgages and ways to get out of difficult financial situations,
• we emphasise transparency in communication with customers by promoting simple language,
• we promote diversity as a value,
• we create a friendly working environment and care about the development of our employees, including by enabling job rotation,
• we enable effective communication between employees by creating a dedicated platform,
• we promote a healthy lifestyle among our employees.

• The concept of PKO Bank Hipoteczny's operations is based on operational integration with PKO Bank Polski. Its goal is to achieve maximum synergies within the PKO Bank Polski Capital Group, which means optimal use of the Group's assets and know-how.
• PKO Bank Polski is the founder and sole shareholder of PKO Bank Hipoteczny. During the process of obtaining a banking licence from the Polish Financial Supervision Authority, our owner undertook that, in the event of a need arising and a decline in the capital or liquidity ratios of PKO Bank Hipoteczny below the level required by law or other regulations applicable to PKO Bank Hipoteczny by the relevant banking supervisory authorities, PKO Bank Polski would immediately provide PKO Bank Hipoteczny with appropriate financial support.
• The main objective of PKO Bank Hipoteczny is to obtain long-term financing through the issue of covered bonds. Covered bonds are a type of bond secured by mortgage loans. They are therefore one of the safest financial instruments offered in the world.