Bank BPH

What Bank BPH does

Bank BPH S.A. is a Polish banking institution headquartered in Gdańsk that, since the November 4, 2016 statutory division, operates exclusively as a residential mortgage loan servicer for individual customers. Following the spin-off, its retail and corporate banking operations, branch network, current accounts, credit cards, and business products were transferred to Alior Bank S.A., leaving Bank BPH with a retained portfolio dominated by CHF-denominated and CHF-indexed mortgage loans. The bank delivers all servicing through remote channels: the System Bankowości Internetowej (SBI) internet banking platform with two-factor authentication, a telephone helpline (801 889 889 and +48 58 300 75 00), email, and postal correspondence. No physical branches remain; cash mortgage payments are accepted at former-branch locations now operated by Alior Bank.

The bank's product suite centers on mortgage administration features including eDokumenty BPH (electronic document delivery with SMS-code acceptance and 6-year post-contract retention), Polecenie Zapłaty (direct debit), Wakacje Kredytowe (payment holidays with childbirth/adoption extensions), and the Program Ugód CHF settlement program offering individually negotiated voluntary resolution of outstanding foreign currency mortgages. Bank BPH also acts as an insurance agent for AXA France Vie and AXA France IARD, distributing mortgage-related life, unemployment, and property insurance on a commission basis. The bank complies with GDPR/RODO and Polish AML requirements under KNF supervision.

Bank BPH is 100% owned by the GE Aerospace group through GE Investments Poland Sp. z o.o. (99.95%) and GE Capital Global Holdings LLC (0.05%). The bank's registered share capital is PLN 1,873,996,242.50 across 7,495,984,970 ordinary registered shares. Shares were delisted from the Warsaw Stock Exchange in December 2016 following the suspension in September 2016. Moody's assigned a Ba2/Not-Prime rating in November 2016 reflecting GE parental support expectations; the rating contract was terminated in March 2017. The institution operates as a private, run-off portfolio servicer rather than an actively growing bank, with revenue derived from interest margin on the amortizing mortgage book, loan administration fees, and insurance agency commissions.

Name

Bank BPH

Legal name

Bank BPH S.A.

Website

https://bph.pl

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Bank BPH S.A. is a Polish bank operating exclusively as a residential mortgage servicer since the November 2016 spin-off of its main operations to Alior Bank. It is wholly owned by GE Aerospace and manages a CHF-heavy mortgage portfolio for individual Polish borrowers through remote digital channels.

Ownership category

akta.pro rank

Product category

Retail Mortgage Banking

NAICS

Depository Credit Intermediation (5221)

SIC

Functions Related To Depository Banking, Nec (6099), State Commercial Banks (6022)

akta.pro primary industry

Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD)

akta.pro secondary industry

Workflow & Case Management (Human-Centric BPM) (HDAEAHAA)

Keywords

• Retail banking services
• Mortgage servicing
• Consumer lending
• Internet banking
• CHF mortgage settlements

Headquarters

HQ city

Gdansk

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Interest Income: Interest income from residential mortgage loans, predominantly Swiss franc-denominated/indexed mortgages. Following the 2016 spin-off, the bank retains only the mortgage portfolio while other products transferred to Alior Bank.
2. Insurance Agency Fees: Bank acts as insurance agent for AXA France Vie and AXA France IARD, earning commissions on insurance products sold in connection with mortgage loans (life insurance, unemployment insurance).
3. Fees and Commissions: Commission income from loan administration, document provision, payment processing, and loan restructuring services, governed by published fee schedules.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Bank BPH is a Polish bank that, following a November 2016 spin-off, operates as a specialized mortgage loan servicer for individual retail borrowers, primarily servicing legacy home loans (including a large book of CHF-indexed mortgages). It provides an internet banking platform (SBI), an electronic document service (eDokumenty BPH), a dedicated settlement program for CHF mortgage borrowers (Program Ugód CHF), insurance agency services, and operates remotely without a physical branch network.

Product overview

Bank BPH operates as a specialized mortgage bank following the November 2016 split that transferred most operations to Alior Bank. The core product portfolio centers on mortgage loans (particularly CHF-indexed products) managed through the System Bankowości Internetowej (SBI) internet banking platform. Key digital services include eDokumenty BPH for electronic document handling, the Program Ugód CHF for CHF mortgage settlements, and Polecenie Zapłaty for automated payments. The bank offers ancillary products including credit holidays (Wakacje Kredytowe), borrower insurance, and access to government support programs (Fundusz Wsparcia Kredytobiorców), as well as insurance agency services through AXA partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• Program Ugód: Settlement program for CHF mortgage borrowers offering voluntary, amicable, and complete settlement of outstanding CHF mortgage loans with individually negotiable financial terms.

Products and services

• Kredyty Hipoteczne (Mortgage Loans) Core retail mortgage loan products (primarily legacy CHF-indexed and PLN home loans) serviced for individual borrowers following the bank's 2016 spin-off into a specialized mortgage servicer.
• System Bankowości Internetowej (SBI) Internet banking platform used by individual retail borrowers to access account information, mortgage details, and perform self-service operations, replacing physical branch access.
• eDokumenty BPH Electronic document service that delivers bank correspondence and loan-related documents to retail borrowers in digital form, supporting the bank's remote (no-branch) operating model.
• Program Ugód CHF Dedicated settlement program for borrowers holding CHF-indexed mortgages, offering structured restructuring/settlement terms to address legacy foreign-currency mortgage exposures.
• Ubezpieczenia Kredytobiorcy (Borrower Insurance) Insurance products distributed to retail mortgage borrowers as part of the bank's agency activity, providing coverages tied to active home loan agreements.
• Działalność Agencyjna (Insurance Agency Services) Insurance agency services offered to individual retail customers, allowing the bank to distribute insurance products in connection with its mortgage servicing activities.

Quantifiable outcome

• Bank BPH provides mortgage loan services with no branch network, utilizing remote servicing through internet banking, telephone helpline, and postal channels

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Alior Bank S.A.coreChannel Partner/ Reseller/ Distributor · 4 November 2016Following the spin-off of Bank BPH's main operations on November 4, 2016, Alior Bank acquired the separated business segment. Alior Bank now handles all non-mortgage banking services for former BPH customers, including current accounts, credit cards, and business products. Former BPH branches became Alior Bank branches and continue to accept cash deposits for BPH mortgage repayments without additional fees.
• AXA France Vie Societe AnonymeminorGTM or Marketing PartnerBank BPH acts as an insurance agent for AXA France Vie, offering life insurance products in connection with mortgage loans. The partnership is governed by a power of attorney (Pełnomocnictwo). Bank BPH does not hold shares or voting rights in AXA France Vie.
• AXA France IARD Societe AnonymeminorGTM or Marketing PartnerBank BPH acts as an insurance agent for AXA France IARD, offering property and other insurance products in connection with mortgage loans. The partnership is governed by a power of attorney (Pełnomocnictwo). Bank BPH does not hold shares or voting rights in AXA France IARD.

Scale indicators5 records

Recent moves6 records

Expansion highlights3 records

Market position

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/bankbphpoprostufair
• LinkedInlinkedin.com/company/bank-bph

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Bank BPH