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Corporate governance principles and required information

 

  • PKO Bank Hipoteczny S.A. announces the adoption by the Management Board, Supervisory Board, and General Meeting of resolutions regarding:

    • the adoption of the "Principles of Corporate Governance for Supervised Institutions" issued by the Polish Financial Supervision Authority,
    • with the exception of the principles specified in § 8 section 4, § 9 section 1 and section 6, § 10 section 3, § 11 section 3, § 22 section 1, § 31 section 3, and Chapter 9 due to the nature of the bank's business and the existence of a single shareholder.

    The full text of the rules is available on the Polish Financial Supervision Authority website at:

    https://www.knf.gov.pl/knf/pl/komponenty/img/knf_140904_Zasady_ladu_korporacyjnego_22072014_38575.pdf
     

    More information on this topic is available in the Polish language version of the website.

  •  
    • Information on this subject can be found in the Polish version of the website.
    • The Bank fulfills its obligation under Article 35, Section 1a of the Act on Bonds and provides information on the forecast development of the Bank's financial liabilities:
      -       as of December 31, 2025
      - as of December 31, 2024.

  • The Polish Financial Supervision Authority (KNF) has published a Roadmap describing how the POLSTR  index will replace the WIBOR and WIBID reference rates. The reform of reference rates will be implemented by the end of 2027.

    What does this mean?

    On 1 January 2028, the WIBOR and WIBID indices will be withdrawn - details can be found on the KNF and GPW Benchmark websites.

    National Working Group (NGR): Established due to the reform of reference ratesAims to ensure credibility and fairness in the development and application of the new rateIts members include representatives of the Ministry of Finance, the National Bank of Poland, the Financial Supervision Authority (UKNF) and banks.

     

  • This document is published in its entirety in the Polish version of the website.
     
     
     
     
     
     
     
     

  • The bank's remuneration policy is presented in the Management Board's report on the activities of PKO Bank Hipoteczny in the "Human Resources Management" section. In accordance with the Corporate Governance Principles for Supervised Institutions issued by the Polish Financial Supervision Authority, which apply to PKO Bank Hipoteczny, the Supervisory Board annually evaluates the company's remuneration policy, and the results of this evaluation are presented to the Annual General Meeting.

     

  • In accordance with the resolution of the Bank's Supervisory Board regarding the policy for selecting an audit firm to audit the financial statements of PKO Bank Hipoteczny SA, the bank applies the following policy:

    The maximum continuous duration of statutory audit engagements conducted by the same audit firm, an audit firm affiliated with that audit firm, or any member of the network operating in the European Union to which these audit firms belong, is 10 financial years covered by the audit. The maximum continuous duration of engagements referred to in the preceding sentence may be extended by two years, up to a maximum of 12 financial years covered by the audit, upon the consent of the Polish Financial Supervision Authority in the event of the simultaneous engagement of more than one audit firm under a joint audit formula, provided that the statutory audit results in a joint audit report. A contract for the audit of financial statements is concluded for a period of no less than two financial years, and for a maximum of three financial years, with the possibility of extension for a subsequent audit period of at least two financial years.

    After the maximum uninterrupted duration of engagements referred to in point 1, the audit firm may resume statutory audits of financial statements after at least four years have passed since the completion of the previous audit of the Bank's financial statements.

    The lead auditor may not conduct a statutory audit of financial statements for a period longer than five financial years covered by the audit.

    The lead auditor may resume statutory audits of financial statements after at least three years have passed since the completion of the last statutory audit of the Bank's financial statements.

  • We publish information on this subject, along with documents, on the Polish version of the website.

  • Learn about the accessibility of the services we offer or provide to consumers, which are covered by the Act of April 26, 2024, on Ensuring Compliance with Accessibility Requirements for Certain Products and Services by Business Entities. A detailed report on this topic is published in the Polish version of the website.
     
     

  • The full version of the document is published on the Polish website.

  • The persons authorized to incur liabilities on behalf of PKO Bank Hipoteczny S.A. (the "Bank") are members of the Management Board or authorized representatives, in accordance with the rules of representation disclosed in the Register of Businesses.

    When concluding mortgage loan agreements, the Bank is represented by employees of the PKO Bank Polski S.A. sales network based on granted powers of attorney. A list of persons authorized to act on behalf of the Bank is available from the loan advisor at each PKO Bank Polski S.A. branch.
     

  • Call to Submit Share Certificates

    Archived announcement from September 30, 2020 (with the old registered office address and the old registry court number)

    PKO Bank Hipoteczny S.A., with its registered office in Warsaw, at ul. Puławska 15, 02-515 Warsaw, registered with the District Court for the Capital City of Warsaw in Warsaw, 13th Commercial Division of the National Court Register under KRS number 0000528469 (the "Company"), in connection with Article 16 of the Act of August 30, 2019, amending the Commercial Companies Code and certain other acts (Journal of Laws of 2019, item 1798), calls on the Company's shareholders to submit their share certificates for dematerialization. The share certificates should be submitted to the Company's registered office, ul. Puławska 15, 02-515 Warsaw.

  • List of entities that have concluded an agreement with PKO Bank Hipoteczny related to the banking services provided by the bank and entities dealing with the analytics of the Internet information service with which the bank cooperates.
     
     
    EntityAdress
    PKO BANK POLSKI S.A. ul. Świętokrzyska 36, 
    00-116 Warszawa 
    PKO TOWARZYSTWO UBEZPIECZEŃ S.A.ul. Chłodna 52, 
    00-872 Warszawa 
    PKO ŻYCIE TOWARZYSTWO UBEZPIECZEŃ S.A. ul. Chłodna 52,
    00-872 Warszawa
    Powszechny Zakład Ubezpieczeń Spółka Akcyjnaal. Jana Pawła II 24,
    00-133 Warszawa
    Biuro Informacji Kredytowej S.A.ul. Zygmunta Modzelewskiego 77a
    02-679 Warszawa
    HFS  sp. z.o.o. spółka komandytowa ul. Sielska 6/12,
    60-129 Poznań
    Integro Group sp. z o.o. spółka komandytowaul. Dąbrowskiego 79A,
    60-529 Poznań
    ACONS sp. z o.o. spółka komandytowaul. Pańska 73,
    00-834 Warszawa
    Partner CRLS sp. z o.o. al. Powstańców Warszawy 1, lokal VI, Reguły,
    05-816 Michałowice
    Emmerson Evaluation Sp. z o.o. Al. Jana Pawła 27,
    00-867 Warszawa
    K2 Media S.A.ul. Domaniewska 44a,
    02-672 Warszawa
    Związek Banków Polskich (w zakresie funkcjonowania systemu AMRON)ul. Leona Kruczkowskiego 8,
    00-380 Warszawa
     

  • The document regarding whistleblower reports is published on the Polish side of the website.

  • The European Union is governed by the BMR Regulation, which applies to benchmarks. According to Article 28(2) of this Regulation, plans specifying actions in the event of a significant change or cessation of a benchmark should be reflected in customer agreements. This provision applies to institutions that use benchmarks, including our bank.

    What does this mean?

    • We offer clients, who do not have such provisions in their agreements, a free amendment to their mortgage loan agreement.
    • The amendment introduces a clause that specifies the actions we will take if a benchmark is discontinued or is significantly changed by its administrator.
    • This is important because the mortgage interest rate depends on the WIBOR reference index.
    • If you sign the amendment, the "Procedure..." will become an integral part of your agreement.

    How to sign the amendment?

    • Online or in a branch. If you don't have access to iPKO, you can call a PKO Bank Polski S.A. branch and arrange to sign the amendment at the branch.
    • If you decide not to sign the amendment, if the benchmark is not developed and published by the benchmark administrator, and if generally applicable law does not specify a substitute for the benchmark, we will determine the interest rate on your loan based on the last available quote for the existing benchmark and the margin agreed in your loan agreement. In such a case, we also allow early repayment of the loan at no additional cost.


    The above information is current as of the date of publication. The information is of a general nature. The Bank will act in accordance with the laws in force at the time and in accordance with the loan agreement concluded with the customer.

  • We publish a report on this matter on the Polish website.

  • Full information on the organisational structure of PKO Bank Hipoteczny can be found in the latest interim report. According to this report, the division of responsibilities within the Management Board is as follows:

     

    WOJCIECH PAPIERAK President of the Management Board

    • responsible for supervising the internal audit unit and performing control functions, managing: compliance risk, reputational risk, legal services, human resources, the process of outsourcing services to external entities, and matters related to anti-money laundering and counter-terrorist financing.

    Other functions performed:

    - Chairman of the Strategy and Business Initiatives Committee

    - Chairman of the Asset and Liability Management Committee

    - Chairman of the Green Covered Bonds Committee

    - Deputy Chairman of the Operational Risk and Data Quality Committee

     

    KATARZYNA KURKOWSKA-SZCZECHOWICZ Vice-President of the Management Board

    • Responsible for supervising securities issues, raising finance, communications, and the creation and development of the product range, coordinating product sales and the acquisition of credit receivables and their subsequent servicing, and the functioning and efficiency of IT resources.

    Other functions:

    -Deputy Chair of the Strategy and Business Initiatives Committee

    -Member of the Asset and Liability Management Committee

    -Member of the Credit Committee

    -Member of the Operational Risk and Data Quality Committee

    -Member of the Green Covered Bonds Committee

     

    PIOTR KOCHANEK Vice-President of the Management Board

    • Responsible for supervising the management of all types of risk related to the Bank's operations, excluding compliance risk and reputational risk, supervising the process of creditworthiness assessment and determination of the mortgage lending value of real estate, as well as the restructuring and debt collection process.

    Other functions performed:

    - Chairman of the Credit Committee

    - Chairman of the Operational Risk and Data Quality Committee

    - Deputy Chairman of the Asset and Liability Management Committee

    - Deputy Chairman of the Green Covered Bonds Committee

    - Member of the Strategy and Business Initiatives Committee.

     

     

    MICHAŁ STĘPNIEWSKI Vice-President of the Management Board

    • Responsible for supervising matters related to financial planning and control, accounting and financial reporting, as well as the settlement and confirmation of treasury transactions.

    Other functions performed:

    - Member of the Asset and Liability Management Committee

    - Member of the Strategy and Business Initiatives Committee.