The Cooperative Bank in Brodnica

What The Cooperative Bank in Brodnica does

Bank Spółdzielczy w Brodnicy (The Cooperative Bank in Brodnica) is a Polish cooperative bank founded in 1862 and headquartered in Brodnica, in the Kuyavian-Pomeranian Voivodeship. It is a private, member-owned financial institution operating 15+ branches across northeastern Poland, including Toruń, Świecie, Rypin, Żuromin, Wąbrzeźno, Radzyń Chełmiński, Rzekuń, Świedziebnia, Olszewo-Borki, Osiek, Ostrołęka, Płońsk, Płużnica, and Radziejowo, with 51-100 employees. The bank serves three distinct customer segments: individual retail customers (including youth aged 13-18 and children's accounts), small and medium enterprises/institutions, and the agricultural sector.

The product portfolio spans personal and business current accounts (Konto Mobilne, Konto Na Start, Konto Osobiste, Konto Podstawowe, Konto Finansowy Odkrywca), consumer loans, mortgages including the government-subsidized Bezpieczny kredyt (2%), renovation and green loans (Czyste Powietrze), revolving credit, Visa credit cards, and a comprehensive savings suite (e-lokata, Lokata Powitalna, Lokata Zyskowna, Konto Oszczędnościowe, foreign-currency accounts in EUR/USD/GBP/SEK, IKE pension accounts). Digital infrastructure includes the SBI internet banking platform with a mini-application ecosystem, the BSBrodnica mobile app (Android, iOS, Huawei), BLIK mobile payments, eKantor BS online currency exchange, ePłatności, mojeID identity verification, and KSeF e-invoicing integration. Core systems integrate with Poland's national payment rails (KIR's ELIXIR, EXPRESS ELIXIR, SORBNET), Visa card network, and Planet Cash ATM network (~5,000 fee-free ATMs).

Revenue is generated through five primary streams: net interest income from consumer, mortgage, business, and agricultural lending; deposit gathering across current, savings, and term accounts; commissions and fees on accounts, cards, and transfers; foreign exchange spreads via the eKantor BS platform and over-the-counter FX; and intermediation fees from government support programs (PFR Financial Shields, BGK de minimis guarantees, Fundusz Gwarancji Rolnych, subsidized credit programs such as Kredyt 2% and Czyste Powietrze). Distribution is multi-channel: physical branch network with relationship managers handles credit origination, while digital self-service channels (internet banking, mobile app) handle transactional volume. Customer concentration is low, spread across retail, SME, and agricultural borrowers, with revenue resilience supported by stable deposit funding and diversified fee streams.

Name

The Cooperative Bank in Brodnica

Legal name

Bank Spółdzielczy w Brodnicy

Website

https://bsbrodnica.pl

Company type

Private

Founded year

1862

Operating status

Operating

Headcount range

51–100 employees

Short description

The Cooperative Bank in Brodnica is a Polish cooperative bank founded in 1862, headquartered in Brodnica, operating 15+ branches across northeastern Poland and serving retail customers, SMEs, and agricultural clients with accounts, loans, mortgages, savings, and digital banking services.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Credit Unions (52213)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industries

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Cooperative banking services
• Retail banking products
• Consumer lending
• Mortgage financing
• Agricultural credit

Headquarters

HQ city

Brodnica

HQ country

Poland

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest charged on consumer loans, mortgages, business loans, agricultural credit, and overdraft facilities. Interest rates range from approximately 6.21% RRSO for mortgages to 15.42% for revolving credit. The bank offers both fixed and variable rate products.
2. Deposit Taking and Interest Payment: The bank collects deposits from retail, business, and agricultural customers through current accounts, savings accounts, and term deposits (lokaty). Interest is paid on deposits, with e-lokata rates up to 5.00% for 9-month terms.
3. Commission and Fee Income: Fees are charged for account maintenance, card issuance and usage, domestic and international transfers, credit arrangement, and other banking services. The bank publishes fee schedules in its tariff documents.
4. Currency Exchange Services: Revenue is generated through currency exchange spreads on retail and business foreign currency transactions conducted via the eKantor BS platform and over-the-counter at branches. The bank offers EUR, USD, GBP, and SEK accounts with competitive exchange rates.
5. Government Support Program Facilitation: The bank participates as an intermediary in government support programs including Tarcza Finansowa PFR (PFR Financial Shield 1.0 and 2.0), BGK guarantee programs (de minimis guarantees, FGR for agriculture), and subsidized credit programs (2% Safe Mortgage, Czyste Powietrze). Revenue comes from program administration fees and interest income on subsidized loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

The Cooperative Bank in Brodnica (Bank Spółdzielczy w Brodnicy) is a Polish cooperative bank offering a comprehensive suite of retail and commercial banking products, including current accounts, consumer and mortgage loans, term deposits, foreign currency accounts, payment cards, and digital banking services via internet and mobile platforms. It serves individual customers, SMEs, agricultural enterprises, and public institutions across northeastern Poland through a multi-branch network and government program partnerships.

Product overview

The Cooperative Bank in Brodnica (Bank Spółdzielczy w Brodnicy) operates as a regional cooperative bank offering a comprehensive retail banking platform with multiple account types, lending products, savings instruments, electronic banking, and payment services. The product portfolio is organized into several categories: (1) Retail deposit accounts including Konto Mobilne, Konto Na Start (ages 13-18), Konto Finansowy Odkrywca (children), Konto Osobiste, and Konto Podstawowe; (2) Consumer and mortgage lending including Kredyt Gotówkowy, Kredyt Internetowy, Kredyt Hipoteczny Cztery Kąty, Bezpieczny kredyt (2% program), Kredyt dla Wybranych Grup Klientów, and Kredyt Czyste Powietrze; (3) Savings products including e-lokata variants, Lokata Powitalna, Lokata Zyskowna, Lokata Na Plus, Lokata Standard, Konto Oszczędnościowe, Rachunek Walutowy, and Indywidualne Konto Emerytalne (IKE); (4) Electronic banking comprising Bankowość Internetowa SBI (internet banking), Aplikacja mobilna BSBrodnica (mobile app), eKantor BS (online currency exchange), Płatności BLIK (mobile payments), mojeID Profil Zaufany (identity verification), and ePłatności (online payments); (5) Payment cards including Visa credit cards; (6) Agri-business products including Kredyt Obrotowy+ for the agricultural sector. The bank also participates in government programs such as Tarcza Finansowa PFR (PFR Financial Shields) and integrates with national systems including KSeF (electronic invoicing), Biała Lista (VAT registry), and ZUS e-Składka.

Differentiator

Problem solved

Functional benefit

Brands

• IKE - Indywidualne Konto Emerytalne: Individual Pension Account - a secure way to set aside additional funds for future retirement
• eKantor BS
• BLIK
• e-lokata
• Aplikacja mobilna BSBrodnica

Products and services

• Konto Mobilne Free mobile-first current account with payment card and internet banking access, supporting phone/watch payments for individual retail customers.
• Konto Na Start Free mobile account designed for youth aged 13-18, supporting mobile payments via phone or watch with no fees.
• Konto Finansowy Odkrywca First financial account for children with a dedicated mobile app for safe introduction to banking under parental supervision.
• Konto Osobiste Adaptable personal current account for individuals with options for traditional or mobile banking.
• Konto Podstawowe Basic payment account for individuals who do not hold another current account in PLN.
• Kredyt Gotówkowy Cash loan up to 150,000 PLN with repayment up to 120 months; RRSO 11.00% with guaranteed fixed installments for loans up to 60 months.
• Kredyt Internetowy Quick internet cash loan available via SBI with 0% commission; up to 50,000 PLN, up to 60 months, RRSO 14.08%.
• Kredyt dla Wybranych Grup Klientów Preferential consumer loan for selected professional groups; up to 300,000 PLN, up to 120 months, with debt consolidation option, RRSO 10.11%.
• Kredyt Hipoteczny Cztery Kąty Mortgage loan for purchasing residential property with fixed (RRSO 6.21%) or variable (RRSO 6.26%) interest rate options.
• Bezpieczny kredyt (Program 2%) Government-subsidized mortgage with subsidy covering up to 90% of property value and supporting the first 120 principal-and-interest installments; term up to 30 years.
• Kredyt na dowolny cel Secured property-backed loan for any consumption purpose; RRSO 8.52%-8.68%.
• Kredyt na remont Favorable home renovation loan including financing for green/energy-efficiency investments; RRSO 11.33%.
• Kredyt Odnawialny Revolving credit facility attached to a payment account providing flexible access to funds as needed; RRSO 15.42%.
• Karta kredytowa Visa Classic Visa Classic credit card with flexible credit limit for online and in-store purchases.
• Kredyt Czyste Powietrze Subsidized loan for replacement of heat sources and improving energy efficiency of single-family residential buildings under the Czyste Powietrze program.
• Kredyt Obrotowy+ Working capital financing for agricultural sector with 7% BGK interest subsidy for the first 24 months, up to 200,000 EUR for MŚP farming entities, secured by 80% FGR guarantee.
• e-lokata 3-maj zysk Electronic term deposit for new funds available via internet banking at 3.50% annual interest.
• Lokata Powitalna Welcome deposit available for new bank customers.
• Lokata Zyskowna Term deposit with 3.00% annual interest rate.
• Lokata Na Plus Term deposit available for 1, 3, or 9-month terms.
• Lokata Standard Classic deposit offering simple terms and guaranteed returns.
• e-lokata Electronic deposit for online management with above-average interest rates; currently 5.00% for 9-month term.
• Konto Oszczędnościowe Flexible savings account allowing deposits and withdrawals at any time without loss of accrued interest.
• Rachunek Walutowy Foreign currency account in USD, EUR, GBP, and SEK for customers saving and settling in convertible currencies; individual FX rate negotiation available for larger transfers.
• Indywidualne Konto Emerytalne (IKE) Individual Pension Account for accumulating additional retirement funds; no opening or maintenance fees, 1.10% variable interest rate, BFG-guaranteed.
• Fundusz Wsparcia Kredytobiorców (FWK) Government mortgage borrower support fund providing interest-free support up to 3,000 PLN monthly for up to 40 months, or loans up to 120,000 PLN for settling post-property-sale debts.
• Bankowość Internetowa SBI Multi-channel internet banking platform with mini-application ecosystem, responsive design, multi-currency management, mass payments, virtual account numbers, KSeF integration, and multiple authorization methods.
• Aplikacja mobilna BSBrodnica Mobile banking application for Android, iOS, and Huawei devices featuring account management, transfers, loan servicing, deposit opening, and BLIK payments.
• eKantor BS Online currency exchange platform for EUR, USD, GBP, SEK at competitive rates with Order limit orders, available 24/7, with zero fees for exchange and platform use.
• Płatności BLIK Mobile payment system via the BSBrodnica app enabling peer-to-peer transfers by phone number, in-store payments, online purchases, and ATM withdrawals using 6-digit codes.
• mojeID / Profil Zaufany Remote identity verification service enabling customers to confirm identity via internet banking for access to commercial and public online services, including eIDAS-compliant authentication.
• Tarcza Finansowa PFR Government anti-crisis financial programs (PFR Financial Shields 1.0 and 2.0) providing non-repayable subsidies and loans for micro, small, medium, and large enterprises affected by the COVID-19 pandemic.
• Krajowy System e-Faktur (KSeF) Integration Government electronic invoicing platform integration enabling businesses to issue and receive structured invoices through internet and mobile banking mini-applications.

Quantifiable outcome

• No fees for cash withdrawals at BS Brodnica ATMs and Planet Cash network (~5,000 ATMs)
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature6 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Planet CashminorChannel Partner/ Reseller/ DistributorPlanet Cash operates a network of approximately 5,000 ATMs across Poland. BS Brodnica customers can withdraw cash without commission at Planet Cash ATMs as part of the bank's fee-free withdrawal network, complementing the bank's own ATM fleet.
• VISAcoreTechnology or IntegrationVISA provides payment card infrastructure for BS Brodnica's debit and credit cards. Services include card processing, 3D-Secure authentication for online transactions, and Dynamic Currency Conversion (DCC) at bank ATMs allowing cardholders to pay in their card currency.
• BLIKcoreTechnology or IntegrationBLIK is Poland's dominant mobile payment system. BS Brodnica's mobile app integrates BLIK functionality enabling phone-to-phone transfers, in-store and online payments via 6-digit code, and ATM cash withdrawals. BLIK is a systemic payment infrastructure in Poland with widespread merchant and ATM acceptance.
• KIR (Krajowa Izba Rozliczeniowa)coreTechnology or IntegrationKIR operates Poland's interbank payment systems. BS Brodnica processes domestic transfers through KIR systems: ELIXIR (standard batch transfers), EXPRESS ELIXIR (real-time payments up to 10,000 PLN), and SORBNET (high-value urgent transfers via NBP). These integrations enable BS Brodnica customers to make and receive payments across all Polish banks.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Nest Bank: Smaller Polish universal bank focused on SME, factoring, and retail banking with a digital platform. Comparable in scale to BS Brodnica but with a more SME/fintech-leaning product mix; useful peer for digital transformation trajectory.

Direct peers

• Bank Polskiej Spółdzielczości (BPS): Central institution for a network of Polish cooperative banks (Banki Spółdzielcze), of which BS Brodnica is structurally similar. BPS is the most direct peer given the shared cooperative model, member-owned structure, and focus on regional/agrarian lending in Poland.
• Krakowski Bank Spółdzielczy: A larger cooperative bank serving the Kraków region with a similar multi-segment retail/business/agriculture offering, comparable branch network, and shared cooperative ownership model. Useful peer for size and product-mix benchmarking.
• SGB-Bank: Central institution of the Spółdzielcza Grupa Bankowa cooperative banking network in Poland. SGB-Bank serves cooperative banks with similar product offerings (accounts, mortgages, agri-credit) and operates in the same regulatory framework as BS Brodnica.

Broad incumbents

• Bank Millennium: Polish retail and SME-focused universal bank with strong consumer lending franchise. Competes with BS Brodnica on consumer loans (cash loans, mortgages) and savings products across similar retail customer segments.
• ING Bank Śląski: Major Polish retail bank known for digital innovation (ING Mobile, Moje ING). Competes with BS Brodnica for retail deposits and consumer loans, and represents the digital-first benchmark that BS Brodnica's mobile app is built to match.
• Credit Agricole Bank Polska: Universal bank with a strong footprint in Polish smaller cities and agriculture (parent group Crédit Agricole has European agri-finance DNA). Directly competes for BS Brodnica's retail, SME, and agricultural lending customers.
• BNP Paribas Bank Polska: Large universal bank with agriculture and SME focus (inherited from BGŻ). A direct competitor for BS Brodnica's agricultural lending customers and a key participant in the same BGK-subsidized programs.
• Bank Pekao S.A. One of Poland's largest universal banks with strong regional presence and SME/agriculture exposure. Pekao is a competitor for the same retail and agri customers BS Brodnica serves, but operates at vastly greater scale with full capital-markets capabilities.
• mBank: Leading digital bank in Poland with nationwide retail and SME presence. Represents the technology and mobile-banking benchmark that any Polish regional bank must compete against for younger and digitally-active customers in BS Brodnica's territory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Cooperative Bank in Brodnica