Bank Spółdzielczy w Nowym Dworze Mazowieckim

What Bank Spółdzielczy w Nowym Dworze Mazowieckim does

Bank Spółdzielczy w Nowym Dworze Mazowieckim is a Polish cooperative bank (bank spółdzielczy) founded in 1950, headquartered at ul. Słowackiego 8, 05-100 Nowy Dwór Mazowiecki, Poland. The bank is registered in the National Court Register (KRS) under number 0000024730 and operates as a privately held, member-owned cooperative rather than a publicly traded institution. It functions under Polish cooperative banking law and is part of the Grupa BPS (Bank BPS Group) cooperative banking alliance, gaining access to shared services, branding, and the BPS Group Protection System (System Ochrony Zrzeszenia BPS), an institutional protection scheme covering all member banks. The bank operates two physical locations: the headquarters branch in Nowy Dwór Mazowiecki and a secondary branch in Staroźreby, with roughly 8 total employees.

The bank's technology stack rests on shared BPS group infrastructure layered with its own deployment of eBankNet 2.0 (retail internet banking), eCorpoNet 2.0 (corporate internet banking), Kartosfera (card management), and BSNDM Mobilnie (mobile banking app for Android and iOS). It integrates with BLIK for instant mobile payments and mojeID / Profil Zaufany for electronic identity verification. Product offerings span three customer segments: individual customers (current accounts including ROR Junior/Senior/Student variants, savings deposits, consumer loans, mortgages, debit cards), business entities (current accounts, investment loans, working capital credit lines, mortgage-secured credit lines), and farmers (agricultural credit facilities and current accounts). Distribution combines physical branches with self-service digital channels and the BPS group network for interbank services.

Revenue mechanics follow a traditional bank model: (i) interest income from the spread on loans (consumer, mortgage, agricultural, business) and deposits, with reference rates including WIBID 3M at 3.65%, WIBOR 1M at 3.78%, WIBOR 3M at 3.85%, NBP reference rate at 3.75%, and Lombard rate at 4.25% as of July 2026; (ii) transaction fees and account maintenance fees per published fee schedules; and (iii) commission income from acting as an insurance agent for Generali, Warta, Vienna Life, InterRisk, and Saltus. Detailed pricing is disclosed via downloadable PDF fee tables and interest rate schedules. The bank is FATCA-compliant and adheres to CRS reporting standards for automatic tax information exchange, positioning it as a fully regulated Polish cooperative institution with regional rather than national market scope.

Name

Bank Spółdzielczy w Nowym Dworze Mazowieckim

Legal name

Bank Spółdzielczy w Nowym Dworze Mazowieckim

Website

https://bsndm.pl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Bank Spółdzielczy w Nowym Dworze Mazowieckim is a small Polish cooperative bank serving retail, business, and agricultural customers in the Nowy Dwór Mazowiecki region through two branches and digital banking platforms, operating as part of the BPS cooperative banking group.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Credit Unions (522130), Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAEAG

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAAAI

Small Business Banking (Microbusiness/Sole Proprietor)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

Keywords

• Retail banking services
• Cooperative banking
• Agricultural lending
• Business financing
• Savings deposits

Headquarters

HQ city

Nowy Dwór Mazowiecki

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from interest rate spread on loans (consumer, mortgage, agricultural, business) and deposits
2. Fee and Commission Income: Fees for account maintenance, transactions, card operations, and credit-related services as outlined in fee schedules
3. Insurance Agency Commission: Revenue from acting as insurance agent for Generali, Warta, Vienna Life, Inter Risk, and Saltus insurance companies

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

Bank Spółdzielczy w Nowym Dworze Mazowieckim is a Polish cooperative bank that provides retail deposit and current accounts, consumer and mortgage loans, business banking accounts and credit lines, agricultural financing, debit cards, and insurance products distributed through insurance agency partnerships. Customers are served through two physical branches and digital banking platforms (eBankNet 2.0, eCorpoNet 2.0, and the BSNDM Mobilnie mobile app), with the bank operating as a member of the BPS cooperative banking group.

Product overview

Bank Spółdzielczy w Nowym Dworze Mazowieckim is a Polish cooperative bank offering a comprehensive suite of banking products organized around three customer segments: individual customers (Klienci indywidualni), businesses (Podmioty gospodarcze), and farmers (Rolnicy). The core banking platform includes multiple account types (Rachunki ROR, savings accounts, currency accounts) and specialized variants targeting students, seniors, and juniors. For lending, the bank offers personal loans (Kredyt Wygodny, Kredyt odnawialny), mortgages (Kredyt Mój dom), and business credit facilities (Kredytowa Linia Hipoteczna, Kredyty inwestycyjne, Kredyty obrotowe). Digital banking services include eBankNet 2.0 (retail online banking), eCorpoNet 2.0 (corporate online banking), and BSNDM Mobilnie (mobile app for Android/iOS). Additional services include savings deposits (Lokaty), debit cards, currency exchange, and insurance products distributed through insurance agency partnerships. The bank also integrates with BLIK for mobile payments and mojeID for digital identity verification.

Differentiator

Problem solved

Functional benefit

Brands

• eBankNet: Internet banking platform for customers
• BSNDM Mobilnie
• eCorpoNet
• Kartosfera

Products and services

• Rachunek ROR (Personal current account) Basic personal current account for everyday banking transactions offered to individual retail customers in the bank's region.
• Rachunek oszczędnościowo-rozliczeniowy 'Wygodny' Combined savings and settlement account offering convenience for personal banking transactions for individual customers.
• Podstawowy rachunek płatniczy Basic payment account compliant with regulatory requirements for essential banking services to individual customers.
• Rachunek a'vista w walutach wymienialnych Current account in convertible foreign currencies for personal international transactions held by individual customers.
• Rachunek oszczędnościowy a'vista Personal savings account with immediate access to funds for individual retail customers.
• BS Skarbonka Personal savings jar account designed to help individual customers save money systematically.
• ROR Junior / Senior / Student current accounts Segmented current accounts tailored for young (Junior), senior (Senior), and student (Student) individual customers.
• Rachunek bieżący BUSINESS PROFESJA Business current account with professional features for small and medium enterprises and sole proprietors.
• Rachunek bieżący (Business current account) Standard business current account for enterprises and sole proprietors handling day-to-day commercial banking transactions.
• Kredyt Wygodny (Fixed-rate consumer loan) Personal loan with fixed interest rate for flexible consumer financing needs of individual customers.
• Kredyt odnawialny (Revolving consumer credit) Revolving credit facility with flexible access to funds for individual consumer financing needs.
• Kredyt 'Mój dom' (Mortgage loan) Mortgage loan for purchasing or financing a home for individual customers, with WIRON reference rate and access to the Borrower Support Fund.
• Kredytowa Linia Hipoteczna (KLH) Credit line secured by mortgage for business financing extended to enterprises and farmers.
• Kredyty inwestycyjne (Investment loans) Investment loans for business development and capital expenditure financing extended to enterprises and farmers.
• Kredyty obrotowe (Working capital loans) Working capital loans for operational business financing extended to enterprises and farmers for day-to-day commercial activities.
• Lokaty oszczędnościowe (Savings deposits) Savings deposits with various terms and interest rates for individual customers and businesses.
• Promocyjna Lokata oszczędnościowa 'na Nowe środki' Promotional savings deposit for new funds with competitive interest rates for individual customers.
• Karty debetowe (Debit cards) Debit cards linked to customer accounts for payments and account access, managed through the Kartosfera platform.
• Ubezpieczenia (Insurance agency distribution) Insurance products offered through the bank acting as an authorized insurance agent for Generali (property/casualty and life), WARTA, Vienna Life, InterRisk, and SALTUS, available to retail and business customers.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Bank BPS / Grupa BPScoreStrategic or Co-development PartnerThe bank is a member of the BPS cooperative banking group (Grupa BPS). The BPS group provides centralized services, risk management, and institutional protection through System Ochrony Zrzeszenia BPS. All cooperative banks in the system share this protection scheme.
• Generali Towarzystwo Ubezpieczeń S.A.minorOthersInsurance company for which the bank acts as insurance agent, offering property and casualty insurance products to customers. Power of attorney documentation confirms agency relationship.
• Generali Życie Towarzystwo Ubezpieczeń S.A.minorOthersLife insurance company for which the bank acts as insurance agent, offering life and health insurance products.
• WARTA Towarzystwo Ubezpieczeń na Życie S.A.minorOthersLife insurance company partnership through which the bank offers life insurance products as authorized agent.
• Vienna Life Towarzystwo Ubezpieczeń na Życie S.A.minorOthersLife insurance company of Vienna Insurance Group for which the bank acts as insurance agent.
• InterRisk Towarzystwo Ubezpieczeń S.A. Vienna Insurance GroupminorOthersProperty and casualty insurance company partnership for offering insurance products through bank's agency.
• SALTUS Towarzystwo Ubezpieczeń na Życie S.A.minorOthersLife insurance company partnership for offering health and life insurance through bank's agency.
• Bank Gospodarstwa Krajowego (BGK)minorOthersState treasury bank offering guarantee programs including 'portfelowa linia gwarancyjna de minimis' credit guarantee scheme for business customers.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• PKO Bank Polski: Poland's largest state-controlled commercial bank with universal banking services. Sets the competitive benchmark for product breadth, digital banking, and mortgage pricing that BSNDM must match through BPS group infrastructure.
• mBank: Leading Polish digital-first commercial bank. Represents the digital-banking competitive threat that BSNDM counters through its BPS-deployed eBankNet and mobile platforms.
• ING Bank Śląski: Major Polish commercial bank with broad retail, SME, and agricultural offerings. Represents the large incumbent competitor that BSNDM competes against for deposit and loan share within its regional catchment.
• Credit Agricole Bank Polska: Universal commercial bank with significant retail and agricultural banking presence in Poland. Comparable in customer segments served and a competitor for SME/agricultural loan customers in regional markets.
• Bank Pekao SA: Major Polish universal bank with strong retail, SME, and agricultural lending franchises. Competes with BSNDM for business and farmer customers in regional Polish markets.

Direct peers

• Krakowski Bank Spółdzielczy: One of the largest Polish cooperative banks, operating under BPS-affiliated structure with a similarly broad retail/SME/agricultural product set. Useful as a scaled-up comparable for BSNDM's business model and product range.
• Bank Spółdzielczy w Brodnicy: Small-town Polish cooperative bank within the BPS group, providing a near-perfect size and geographic comparability benchmark for BSNDM's scale and operating profile.
• SGB-Bank: Central institution of the competing SGB cooperative banking group in Poland. Comparable role as the apex entity for hundreds of Polish cooperative banks, making it the closest cross-group peer to BPS and by extension to BSNDM.
• Bank Polskiej Spółdzielczości (Bank BPS): Central entity of the BPS cooperative banking group to which BSNDM belongs. Bank BPS provides centralized IT, funding, and protection scheme services that BSNDM relies on; it is both parent/operating partner and the closest functional peer.

Others

• Bank Gospodarstwa Krajowego (BGK): Polish state development bank that provides guarantee schemes (e.g., de minimis portfolio guarantees) distributed through BSNDM. An upstream partner rather than competitor, but shapes the agricultural and SME lending landscape BSNDM operates in.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/bank-sp%C3%B3%C5%82dzielczy-w-nowym-dworze-mazowieckim

Compliance2 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 Spółdzielczy w Nowym Dworze Mazowieckim