Annual insurance stress tests (Testy warunków skrajnych)

The facts

Who files

All insurance and reinsurance undertakings, every year since 2009; some are asked for extra tests (supervision process page). Source

How often

Annual (supervision process page). Source

Deadline

Not stated in the methodology or on the supervision process page. Source

Format

Other. Not stated; KNF publishes the shock parameters as an Excel workbook. Source

How it is filed

Filing routes recorded for the KNF: ESPI (Elektroniczny System Przekazywania Informacji, Electronic Information Transmission System); Portal KNF (KNF Portal), with the Data Transmission Application (ATD); WebService KNF; CRP communication subsystem (Podsystem Komunikacji CRP), including the DORA Reporting System (SSD); e-RUP reporting forms; Aplikacja Sprawozdawcza SNU (Reporting Application); NBP SIS (reporting system of Narodowy Bank Polski). See how firms file with the KNF.

Status

In force

Group

Insurers (national)

Templates (9)

The tables and forms inside the return. Plain name first, the KNF's code in brackets.

• Interest rate risk (3)
• Combined scenario for selected market risks (4)
• Physical climate risk: hail (non-life) (5.1)
• Long-term scenario: convective fronts and higher reinsurance prices (non-life) (5.2)
• Physical climate risk: higher mortality and morbidity (life) (5.3)
• Operating cost increase scenario (6)
• Motor portfolio scenario (non-life) (7)
• Cyber risk scenario (prospective test) (8)
• Cross-sector scenario (multi-year test) (9)

Scenarios in the 18th edition methodology (chapters 3 to 9). Source

Validation rules

No published validation rules were found for this return. No validation rules for this return were found on the pages checked. Source

Public data

No published data from this return was found. No data from this return published by KNF was found on the pages checked. Source

Official documents (3)

The KNF's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

• Metodyka przeprowadzania testów warunków skrajnych w zakładach ubezpieczeń i w zakładach reasekuracji, 18. edycja

  Instructions · PDF · 442.3 KB

  SHA-256 97d8ca50e7d9show in fullhide

  97d8ca50e7d98f17a359d8a8a2515404476367b681e0e97d67687e5575151a9e
• Informacja techniczna dot. przeprowadzenia testów warunków skrajnych, 18. edycja: 31.12.2025

  Data dictionary · XLSX · 1.1 MB

  Shock parameters for the 18th stress test: interest rate (PLN, EUR), market (PLN, EUR), hail risk and cross-sector RFR scenario sheets.

  SHA-256 e5cc583c2f4ashow in fullhide

  e5cc583c2f4a36a2992a2b04da54e714333b333d4433738be1a27f45b8c1a9cf
• Proces nadzoru: podstawowe kryteria, metody i narzędzia

  Guidance · HTML · 1 October 2026

  Describes the annual supervisory review (BION) and the early warning system, which uses monthly, quarterly, annual and ad hoc data from insurers, and the annual stress tests.

Sources

Every page and document this return's facts were read from.

• knf.gov.pl/knf/pl/komponenty/img/Metodyka_przeprowadzania_testow_warunkow_skrajnych_18_edycja_97674.pdf
• knf.gov.pl/dla_rynku/Informacje_dla_podmiotow_nadzorowanych/proces_nadzoru?articleId=54204&p_id=18
• knf.gov.pl/knf/pl/komponenty/img/Informacja_techniczna_%20testow_warunkow_skrajnych_31_12_2025_97673.xlsx

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.