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– For us, the Decarbonization Plan is not only a response to regulatory requirements, but above all a tool for real climate risk management and accompanying our clients in the transformation process. We consistently invest in green projects, develop a low-emission offer and build the long-term resilience of our portfolio. We want to be an active partner in the Polish energy and housing transformation, he says Marcin Gadomski, vice-president of Bank Pekao SA, supervising the Risk Division.
For us, the Decarbonization Plan is not only a response to regulatory requirements, but above all a tool for real climate risk management and accompanying our clients in the transformation process – says Marcin Gadomski, vice-president of Bank Pekao SA
In the context of the adopted goals, the bank intends to focus on two priority areas of the loan portfolio: the electricity sector and residential real estate loans, as well as on its own operations.
Key activities
In the area of electricity, Bank Pekao SA plans to reduce the intensity of greenhouse gas (GHG) emissions by 39.5% by 2030. relative to 2025 based on the decarbonization path “Net Zero 2050” by the International Energy Agency. Achieving this goal is based on increasing financing for zero-emission technologies, developing financing for natural gas and abandoning new financing for coal and oil-based projects.
At the same time, the Decarbonization Plan assumes increasing Bank Pekao’s involvement in financing transition technologies based on natural gas to 24.7%. electricity sector portfolio until 2030
In the area of mortgage loans, the plan envisages a reduction in emission intensity by 43.4%. by 2030 compared to 2025 and a systematic increase in the share of financing for energy-efficient and highly energy-efficient properties, which are to constitute 60%. portfolio in 2030. The bank also intends to limit exposure to properties with low energy efficiency and support thermal modernization and the development of modern, low-emission construction.
In the case of its own operations, by 2030 Pekao assumes reducing greenhouse gas emissions from Scope 1 (direct emissions) and 2 (indirect emissions) by 60.8%. compared to 2024. This goal will be achieved by optimizing and modernizing office space, increasing the share of energy from renewable sources, developing PPA contracts (long-term contracts for the purchase of electricity from renewable sources) and gradually replacing the fleet with low-emission vehicles.
Supporting sustainable development of customers
Bank Pekao SA is one of the largest financial institutions in the Central and Eastern European region and the second largest universal bank in Poland with PLN 352 billion of assets. As part of the implementation of the 2025–2027 Strategy, it assumes allocating PLN 9 billion to finance green projects. In parallel, a model of cooperation with clients is being developed to support them in the energy and environmental transformation process.
The pace of implementation of the goals of the Decarbonization Plan remains linked to the process of decarbonization of the Polish economy and the implementation of the National Energy and Climate Plan. The Decarbonization Plan is also part of activities related to the ambition to achieve climate neutrality of the Pekao Capital Group by 2050.
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