Risk management

  • Risk management is one the most important internal processes both in PKO Bank Polski SA and in other entities of the PKO Bank Polski SA Group.
  • Credit risk is defined as a risk of occurrence of losses due to client’s default of payments to the Bank or as a risk of decrease in economic value of amounts due to the Bank as a result of deterioration of client’s ability to repay amounts due to the Bank.
  • Comprehensive stress-tests are an integral part of the risk management in the PKO Bank Polski SA Group and are complementary for stress-test specific to particular types of risks.
  • Capital adequacy is the maintenance of a level of own funds by the PKO Bank Polski SA Group which exceeds higher of the: sum of regulatory capital requirements (the so-called Pillar 1) and sum of internal capital requirements (the so-called Pillar 2).