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.

Comprehensive stress-tests collectively include the following risks considered by the PKO Bank Polski SA Group to be relevant, including: credit risk, market risk, liquidity risk, operational risk, business risk.

Comprehensive stress-tests include an analysis of the impact of changes in the environment and the functioning of the PKO Bank Polski SA Group on the financial position of the Bank, in particular on: income statement, statement of financial position, own funds, the capital adequacy, including capital requirements, internal capital, measures of capital adequacy and selected measures of liquidity.

Comprehensive stress-tests for the own use of the Group are carried out at least once a year in the three-year horizon, taking into account changes in the value and structure of the statement of financial position and income statement items (dynamic tests). Supervisory tests are carried out at the request of the supervisory authorities in accordance with the assumptions provided by supervisory authorities.