Powiatowy Bank Spółdzielczy we Wrześni

What Powiatowy Bank Spółdzielczy we Wrześni does

Powiatowy Bank Spółdzielczy we Wrześni is a Polish cooperative bank founded in 1871, headquartered in Września, Greater Poland Voivodeship, and serving the Września and Jarocin districts. As a member of the Spółdzielcza Grupa Bankowa (SGB) network of 194 cooperative banks, the bank operates under a member-owned cooperative model with a 18-person staff and is governed by a Supervisory Board and Management Board. The bank provides a full-service retail and small-business banking platform including the Takie Konto account family, Agro Konto for farmers, mortgages, cash loans, EKO eco-financing products, term deposits (eLok@ta, Lokata MAXI, Lokata progresywna Plejada Plus), and leasing via SGB Leasing. Digital channels include the SGB24 internet banking platform, SGB24 Biznes for business clients, and the SGB Mobile application, with integrations for BLIK payments, BLIK Płacę Później (BNPL), Express Elixir instant transfers, SORBNET large-value transfers, multiple mobile wallets (Google Pay, Apple Pay, Garmin Pay, Fitbit Pay, Xiaomi Pay), Autopay highway tolls, and KIR's Szafir qualified electronic signature.

The bank's revenue model is anchored in traditional interest income from mortgage loans, cash loans, agricultural credit, and credit limits, with interest rates benchmarked to WIBOR 3M plus a bank margin. Supplementary revenue streams include deposit fees and account maintenance across multiple account tiers, card services (debit, credit, currency, and merchant), electronic banking transaction fees (Express Elixir, SORBNET, SMS), insurance commissions through a Generali partnership, currency exchange via an online and branch kantor, and guarantee and letter-of-credit services for business and agricultural customers. Specialized agricultural financing benefits from ARiMR preferential credit lines (RR, K02, MRcsk, PR, Z) with interest subsidies as low as 3% for eligible farmers, an EKO Kredyt inwestycyjny Agro up to 5 million PLN for renewable energy and modernization, and KSeF-compliant invoicing for business clients.

The bank has demonstrated consistent balance sheet expansion, with total assets growing from 782 million PLN in 2022 to 1,284 million PLN in 2025, net profit ranging between 21.7 million and 31.3 million PLN over the period, and the solvency ratio improving from 13.92% to 20.70%. Customer deposits and lending volumes have expanded broadly in line, indicating a healthy franchise dynamically. Customer concentration is diversified across retail, agricultural, small-business, housing-association, and rural-community segments, with no single anchor customer evident. The bank participates in the IPS-SGB institutional protection scheme (protective funds exceeding 1.6 billion PLN) and is covered by mandatory BFG deposit guarantee insurance up to 100,000 EUR equivalent.

Name

Powiatowy Bank Spółdzielczy we Wrześni

Legal name

Powiatowy Bank Spółdzielczy we Wrześni

Website

https://pbswrzesnia.com.pl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Powiatowy Bank Spółdzielczy we Wrześni is a Polish cooperative bank serving retail customers, farmers, and small businesses in the Września and Jarocin districts of Greater Poland Voivodeship, operating as part of the 194-bank Spółdzielcza Grupa Bankowa network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Cooperative banking
• Agricultural lending
• Retail banking
• Mortgage loans
• Digital banking

Headquarters

HQ city

Września

HQ country

Poland

HQ region

Europe

Offices1 record

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: Traditional banking interest revenue from mortgage loans, cash loans, agricultural credit, and credit limits. Interest rates based on WIBOR 3M plus bank margin.
2. Deposit Fees and Account Maintenance: Fees from multiple account types including Takie Konto variants, Agro Konto for farmers, business accounts, currency accounts, and savings accounts
3. Card Services: Revenue from debit cards, credit cards, currency cards, and merchant services including terminal fees
4. Electronic Banking Services: Fees from internet banking, mobile app, SMS notifications, Express Elixir instant transfers, SORBNET transfers, and other electronic services
5. Insurance Products: Bancassurance products offered in partnership with Generali and other insurers
6. Currency Exchange: Revenue from currency exchange operations through in-branch and online kantor services
7. Guarantee and Letter of Credit Services: Bank guarantees for tender deposits, contract performance, and credit repayment for business and agricultural customers

Pricing tiers

Distribution channels5 records

Marketing channels4 records

Core offering

Powiatowy Bank Spółdzielczy we Wrześni is a cooperative bank offering a full suite of retail, business, and agricultural banking services to the Września district and surrounding communities. Core offerings include checking and savings accounts (Takie konto family, Agro Konto), consumer and mortgage loans, preferential agricultural credit lines via ARiMR, payment cards, currency exchange, and bancassurance. Banking services are delivered through physical branches and the SGB24/SGB Mobile digital platforms, with integrations including BLIK, Express Elixir, Sorbnet, and major mobile wallets.

Product overview

Powiatowy Bank Spółdzielczy we Wrześni is a cooperative bank (bank spółdzielczy) offering a comprehensive financial services platform with a modular architecture. The core platform consists of traditional banking products (accounts, loans, deposits, cards) supplemented by electronic banking channels (SGB24 internet banking, SGB24 Biznes, SGB Mobile) and specialized services. For retail customers, the Takie konto product line provides tiered account options (aktywne, spoko, proste, mobilne, bliskie, premium), complemented by cash loans, housing mortgages, and eco-loans (Kredyt z opcją EKO). For farmers (agricultural segment), the bank offers Agro Konto and specialized credit products including EKO Kredyt inwestycyjny Agro for eco-investments and Linia RR preferential credit lines with ARiMR subsidies. Digital payment capabilities center on BLIK (mobile payments and P2P transfers), BLIK Płacę Później (BNPL), Express Elixir (instant transfers), and Sorbnet (high-value transfers). Mobile payments extend to Google Pay, Apple Pay, Garmin Pay, Fitbit Pay, and Xiaomi Pay wallets, plus Autopay for highway tolls. Business clients access SGB24 Biznes with KSeF integration, bulk payments, and electronic signature services (Szafir). The product portfolio is completed with currency exchange (Kantor walutowy), term deposits (eLok@ta, Lokata MAXI, Lokata progresywna Plejada Plus), and leasing partnerships via SGB Leasing.

Differentiator

Problem solved

Functional benefit

Products and services

• Takie Konto (Modular Personal Accounts) Modular portfolio of personal checking accounts including Takie konto aktywne, spoko (ages 0-18), proste, mobilne, bliskie, premium, and basic Rachunek podstawowy, tailored to different customer usage patterns and age groups.
• Agro Konto Specialized current account for farmers offering 24 months of free account maintenance, free card issuance, 12 months of free transfers, and 50% reduced commission on loans.
• Kredyt gotówkowy (Personal Cash Loan) Unsecured personal cash loan for any purpose with variable interest rate based on WIBOR 3M plus bank margin, available to individual consumers.
• Kredyt mieszkaniowy (Housing Mortgage) Housing mortgage loan for purchasing or building energy-efficient real estate, offered to individual borrowers.
• Pożyczka hipoteczna (Mortgage-secured Loan) Mortgage-secured loan for larger amounts available for any purpose under consumer credit terms.
• EKO Kredyt inwestycyjny Agro Eco-investment loan for farmers financing photovoltaic installations, heat pumps, sewage systems, and thermal modernization, up to 5,000,000 PLN for up to 10 years with a 2.50 percentage point margin over WIBOR 3M; RRSO from 6.35%.
• Linia RR (Preferential ARiMR Credit) Preferential credit line with ARiMR interest subsidies for agricultural investments including construction, machinery, equipment, orchards, and plantations.
• BLIK Mobile Payments Polish mobile payment system accessible through SGB Mobile enabling cash withdrawals, in-store and online payments, and phone-to-phone transfers up to 500 PLN per transaction via 6-digit codes.
• BLIK Płacę Później (Buy Now, Pay Later) BLIK-based buy-now-pay-later service allowing purchases up to 4,000 PLN with a 30-day repayment period, accessed via SGB Mobile.
• SGB Mobile Application Mobile banking application for Android and iOS providing full account access, transfers, BLIK payments, card control, subscription management, and highway toll payments via Autopay, with digital wallet support for Google Pay, Apple Pay, Garmin Pay, Fitbit Pay, and Xiaomi Pay.
• SGB24 Internet Banking Responsive internet banking platform for individual customers with customizable dashboard widgets for account management, transfers, card control, and loan information, accessible 24/7 from any device.
• SGB24 Biznes Business internet banking platform offering bulk payments, mass transfers, and KSeF integration for invoicing compliance, designed for SME and corporate clients.
• Express Elixir Instant Transfers Instant interbank transfer service via KIR enabling funds to reach recipient accounts within seconds, up to 5,000 PLN for individuals and 50,000 PLN for institutional customers, available 24/7.
• Sorbnet High-Value Transfers High-value transfer system operated by NBP for unlimited amounts, with funds typically arriving within approximately 1 hour; available on business days until 14:30.
• Payment Cards (Debit, Credit, Currency, Mobile) Portfolio of Mastercard and Visa payment cards including debit, credit, and currency cards (EUR/USD) and mobile contactless cards with digital wallet support and 3D Secure protection.
• eLok@ta Internet Term Deposit Internet-only term deposit with promotional rate of 4.00% per annum for a 2-month term, opened via SGB24 internet banking or the SGB Mobile app.
• Lokata MAXI Premium term deposit product with attractive interest rates available to existing and new bank customers.
• Lokata progresywna Plejada Plus Progressive term deposit with interest rates that increase over the deposit term.
• Kantor walutowy (Online Currency Exchange) Online currency exchange service available 24/7 through SGB24 and SGB Mobile for EUR, USD, CHF, and GBP conversions, in addition to in-branch exchange.
• Bancassurance (Insurance via Generali) Insurance products including property, life, and accident insurance offered through the bank's branches in partnership with Generali.
• SGB Leasing (Agricultural & Equipment Leasing) Leasing services for agricultural machinery, vehicles (Agro Auto), and equipment with flexible terms and insurance packages, delivered through partner SGB Leasing sp. z o.o.
• Szafir Qualified Electronic Signature Qualified electronic signature service provided by KIR enabling legally binding digital document signing with validity in Poland and the EU, available through bank branches for certificate pickup.
• Split Payment (MPP) VAT Service Mandatory split payment mechanism for VAT transactions exceeding 15,000 PLN, automatically providing a dedicated VAT account for entrepreneurs.
• Płatności masowe (Bulk Payments) Bulk payment service for business clients enabling batch processing of mass transfers, available via SGB24 Biznes.
• SGB ID Electronic Identity Electronic identity service enabling secure online identity verification for commercial and public services.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature8 records

Partnerships

Twelve partnerships are on record, tiered core, major and minor.

• Spółdzielcza Grupa Bankowa (SGB)coreStrategic or Co-development PartnerParent organization comprising 194 cooperative banks and SGB-Bank S.A. Provides shared banking platform (SGB24, SGB Mobile), access to ~1,500 branches and ~4,000 fee-free ATMs, and collective risk protection through IPS-SGB. Combined tradition of 160+ years in Polish cooperative banking.
• IPS-SGB (Spółdzielczy System Ochrony SGB)coreStrategic or Co-development PartnerInstitutional Protection Scheme providing liquidity and solvency support. Accumulated protective funds exceeding 1.6 billion PLN. Complementing KNF supervision with ongoing monitoring and risk mitigation capabilities.
• Bankowy Fundusz Gwarancyjny (BFG)coreStrategic or Co-development PartnerStatutory deposit guarantee system providing mandatory protection for customer deposits up to 100,000 EUR equivalent, per Banking Guarantee Fund Act of June 10, 2016.
• Krajowa Izba Rozliczeniowa (KIR)coreTechnology or IntegrationNational Clearing House providing Express Elixir instant payment infrastructure processing transactions within 30 seconds. 25+ years of experience in interbank settlement operations.
• Agencja Restrukturyzacji i Modernizacji Rolnictwa (ARiMR)coreStrategic or Co-development PartnerAgricultural Restructuring and Modernization Agency providing preferential credit lines (RR, K02, MRcsk, PR, Z) with interest subsidies. Enables preferential agricultural financing including 3% minimum rates for eligible farmers.
• SGB Leasing sp. z o.o.majorChannel Partner/ Reseller/ DistributorCooperative leasing company offering agricultural equipment, vehicle (Agro Auto), and machinery financing. Provides lease and loan products with minimal documentation requirements for SGB customers. Contact: Krzysztof Kędziora.
• Krajowa Izba Rozliczeniowa (KIR)coreTechnology or IntegrationProvider of qualified electronic signature services (Szafir) enabling secure remote document signing. 700+ cooperative bank branches nationwide for convenient certificate pickup.
• Krajowy System Zastrzegania Kart ZBPcoreTechnology or IntegrationNational Card Blocking System operated by Polish Bank Association (ZBP) providing 24/7 card blocking service at (+48) 828 828 828.
• GPW Benchmark S.A.coreOthersAdministrator of WIBOR and WIBID reference rates used for variable interest rate calculations on loans and deposits. Licensed by KNF.
• GeneraliminorGTM or Marketing PartnerInsurance partner offering bancassurance products including property, life, and accident insurance through bank branches.
• Polska BezgotówkowaminorGTM or Marketing PartnerProgram promoting cashless payments providing merchants with POS terminals and support for accepting card payments.
• Biuro Informacji Kredytowej (BIK)coreTechnology or IntegrationCredit Information Bureau providing credit history checks and supporting responsible lending decisions.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SGB-Bank S.A. The apex institution of the Spółdzielcza Grupa Bankowa network to which Powiatowy Bank Spółdzielczy we Wrześni belongs. Provides shared technology platform (SGB24, SGB Mobile) and IPS-SGB protection scheme; the most direct operational peer within the same cooperative group.
• Bank Pocztowy S.A. Polish mid-size retail bank focused on everyday banking with a strong postal-distribution branch network. Comparable in scale, customer profile (mass-market retail and small business), and full-service deposit/loan product mix.
• Bank Polskiej Spółdzielczości S.A. (Bank BPS): Apex bank of the competing cooperative banking group (Bank BPS Group) with ~370 cooperative banks in Poland. Functions as a peer cooperative banking infrastructure provider to mutual/cooperative banks analogously structured to PBS Września.

Broad incumbents

• ING Bank Śląski S.A. Major Polish retail and commercial bank with strong digital platform (Moje ING) competing for the same checking, savings, and cash loan customers as PBS Września, including agricultural and SME segments.
• Credit Agricole Bank Polska S.A. Polish universal bank serving retail and small business customers with growing digital channels. Comparable product mix (accounts, mortgages, agri-finance) and similar retail-banking value proposition.
• PKO Bank Polski S.A. Poland's largest commercial bank with nationwide branch network and full retail/SME/agricultural product suite. Competes with PBS Września for retail deposits and mortgage/business loans across Greater Poland Voivodeship.
• BNP Paribas Bank Polska S.A. Polish universal bank offering retail, SME, and corporate banking including agro-finance. Comparable in product breadth and customer segments, with nation-wide branch and digital reach.
• Santander Bank Polska S.A. One of Poland's largest banks with extensive retail, mortgage, and SME franchises. Competes directly for consumer deposits, mortgages, and small business lending in the Greater Poland Voivodeship.
• Bank Pekao S.A. One of Poland's largest universal banks offering full retail, SME, and agricultural banking products. Overlaps with PBS Września in mortgage, cash loan, and business banking segments.

Emerging players

• Nest Bank S.A. Polish retail and SME digital bank with mobile-first offerings (Nest Kaszel, Nest Konto). Competes for the same deposit and consumer loan customers in Poland, posing a digital challenger to traditional branch-heavy cooperative banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pbswrzesnia
• LinkedInlinkedin.com/company/pbswrzesnia

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

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 Powiatowy Bank Spółdzielczy we Wrześni