SBR Bank

What SBR Bank does

SBR Bank (Spółdzielczy Bank Rozwoju) is a Polish cooperative bank founded in 1960, headquartered in Szepietowo in the Podlaskie Voivodeship. It operates through 12 branch locations across northeastern Poland and Warsaw, providing retail banking, business banking, and agricultural financing services to individuals, small and medium enterprises, and farmers. The bank is a member of the BPS Group, the second-largest banking group in Poland by customer count, and is protected by the Bank Guarantee Fund (BFG) with 100% Polish capital ownership.

The bank operates a comprehensive product platform spanning current accounts (Konto KliQ+, Konto Solidne, Konto Senior, Konto Walutowe, Podstawowy Rachunek Płatniczy), savings and deposit products (Lokata Terminowa, Lokata eProcent, Konto SKO, Konto Rosnące), credit facilities (personal loans, mortgage loans, revolving credit limits, preferential agricultural loans under ARiMR programs), and ancillary services (leasing, factoring, payment terminals, currency exchange via SBR Kantor). Digital channels include an internet banking platform (online.sbrbank.pl), a mobile application available on iOS and Android, and a PSD2-compliant open API developer portal for third-party provider access. The bank maintains integrations with BLIK, BlueCash, Express Elixir, Planet Cash, and multiple mobile wallets (Google Pay, Apple Pay, Garmin Pay, Fitbit Pay, Xiaomi Pay).

Revenue is generated through interest income from lending (mortgages, personal loans, agricultural loans, credit limits), net interest margin on deposits and savings accounts, transaction and commission fees (payment cards, transfers, ATM withdrawals), insurance distribution commissions with multiple insurance partners, and fees from professional services including leasing and factoring. The bank's agricultural specialization is a key differentiator, offering preferential loans with ARiMR subsidies, seasonal financing, and dedicated accounts (AgroLider, AgroBiznes, Złote Plony) tailored to farm operations. The cooperative ownership model positions customers as members with participation rights, emphasizing long-term relationships over profit maximization.

Name

SBR Bank

Legal name

Spółdzielczy Bank Rozwoju z siedzibą w Szepietowie

Website

https://sbrbank.pl

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

1–10 employees

Short description

SBR Bank is a Polish cooperative bank founded in 1960, serving individuals, businesses, and agricultural farms across northeastern Poland through 12 branches and digital banking channels. As a BPS Group member, it offers retail, SME, and specialized agricultural financing with 100% Polish capital ownership.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABAEAG

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

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

SECONDARYFSAEAEAI

SBA/USDA Government-Backed Loan Intermediation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

Keywords

• Cooperative banking services
• Retail banking products
• Agricultural lending
• Deposit and savings accounts
• Payment processing services

Headquarters

HQ city

Szepietowo

HQ country

Poland

HQ region

Europe

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Lending: SBR Bank generates revenue primarily through interest earned on loans and credit products, including mortgage loans, personal loans, agricultural loans, and credit limits. The bank offers various credit products with competitive rates including promotional 0% cash loans and preferential agricultural loans with ARiMR subsidies.
2. Deposit Interest and Account Fees: Revenue from managing deposit accounts, savings accounts, and term deposits. The bank offers various savings products including term deposits, savings accounts, and currency deposits with varying interest rates.
3. Commission and Transaction Fees: Fees from payment cards (issuance and usage), money transfers (domestic and international), ATM withdrawals, and other banking services as outlined in the fee schedule.
4. Insurance Distribution: The bank collaborates with multiple insurance companies to offer insurance products to customers, generating commission revenue from policy placements.
5. Leasing and Factoring Services: The bank offers leasing and factoring services for businesses and agricultural customers, generating revenue from these financial services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

SBR Bank is a cooperative bank offering a comprehensive suite of retail, business, and agricultural banking products. Core offerings include current accounts, savings and term deposits, personal and mortgage loans, agricultural credit lines with ARiMR subsidies, leasing and factoring services, payment terminals, and digital banking through internet and mobile applications. The bank distributes these through 12 branch locations in northeastern Poland complemented by online and mobile channels.

Product overview

SBR Bank (Spółdzielczy Bank Rozwoju) is a Polish cooperative bank offering a comprehensive suite of banking products organized across three customer segments: individual retail customers (Klient Indywidualny), businesses and institutions (Firmy i Instytucje), and agricultural customers (Gospodarstwa Rolne). The portfolio includes seven named account products (Konto KliQ+, Konto KliQ, Konto Solidne, Konto Senior, Rachunek Rodzinny, Podstawowy Rachunek Płatniczy, Konto Walutowe), multiple savings and deposit products (Promocyjna Lokata Terminowa, Lokata Terminowa, Lokata eProcent, Konto Rosnące, Konto SKO, Konto Złote Plony), a range of credit products (Kredyt gotówkowy, Kredyt gotówkowy 0%, Pożyczka hipoteczna, Limit w koncie osobistym, Kredyt obrotowy i nawozowy, Kredyty preferencyjne i klęskowe, Kredyt w rachunku bieżącym), plus agricultural-specific accounts (Konto AgroLider, Konto AgroBiznes) and ancillary services (Leasing, Faktoring, Terminale, e-Windykacja). All products are supported by digital channels including internet banking, a mobile app, SBR Kantor (currency exchange), and BlueCash instant transfers. The bank operates within the BPS Group and is protected by the Bank Guarantee Fund (BFG).

Differentiator

Problem solved

Functional benefit

Products and services

• Konto KliQ Internet-focused current account with full digital access, contactless and mobile payments, BLIK support, and multi-wallet integration (Google Pay, Apple Pay, Garmin Pay, Fitbit Pay, Xiaomi Pay). Monthly fee waived with 1,000 PLN monthly inflow.
• Konto KliQ + Intelligent online current account combining everyday banking with savings features, offering free internal and external transfers, mobile payments, and competitive card usage conditions.
• Konto Solidne Standard current account with broad everyday functionality, featuring free internal transfers, ATM access across SBR Bank and BPS Group ATMs, and bundled card services at 8 PLN/month with 1 PLN/month cash operations.
• Konto Senior Current account for customers aged 60+, offering zero fees for account management, card usage, ATM withdrawals across Poland and EU/EFTA, unlimited internet transfers, and BLIK.
• Rachunek Rodzinny Specialized social benefit account accepting only government transfers such as Family 500+, family benefits, and social assistance payments.
• Podstawowy Rachunek Płatniczy (PRP) Basic payment account mandated by EU directive for financially excluded individuals, offering free account opening, management, and five domestic transactions per month, available only to customers without an existing Polish bank account.
• Konto Walutowe Multi-currency current account supporting EUR, USD, GBP, and CHF with free account opening and management, electronic and mobile banking access, and competitive exchange rates.

Quantifiable outcome

• SKO savings account offers 3.50% interest rate for young savers
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core.

• Grupa BPS (BPS Group)coreStrategic or Co-development PartnerSBR Bank is a member of the BPS Group, the second largest banking group in Poland by customer count. The partnership provides scale advantages while maintaining the bank's local cooperative character.
• Bankowy Fundusz Gwarancyjny (BFG)coreOthersBank deposits are protected by the Bank Guarantee Fund (BFG), providing deposit insurance and financial stability assurance to customers.
• Biuro Informacji Kredytowej (BIK)coreTechnology or IntegrationCredit Information Bureau partnership for creditworthiness checks and risk assessment in lending decisions.
• Bank Gospodarstwa Krajowego (BGK)coreStrategic or Co-development PartnerState development bank partnership for supporting credit programs and development initiatives, particularly in agricultural and regional development.
• Związek Banków Polskich (ZBP)coreStrategic or Co-development PartnerPartnership with Polish Banks Association for industry representation, dispute resolution, and banking standards.
• Agencja Restrukturyzacji i Modernizacji Rolnictwa (ARiMR)coreStrategic or Co-development PartnerPartnership for preferential agricultural loans with subsidies. SBR Bank offers RR, Z, PR, K01/K0, DK01/DK02, and MRcsk credit lines through ARiMR support programs for farmers.
• Bank Gospodarstwa Krajowego (BGK) - Fundusz Wsparcia KredytobiorcówcoreStrategic or Co-development PartnerSupport program for mortgage borrowers experiencing financial difficulties, providing assistance payments up to 3,000 zł monthly for up to 40 months.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• ING Bank Śląski: Major Polish retail and SME bank with strong digital distribution. Comparable for benchmarking SBR Bank's consumer lending, savings products, and digital channels against a much larger competitor serving the same Polish retail customers.
• Alior Bank: Mid-sized Polish retail and SME bank known for digital and consumer-credit products. Comparable for consumer loan underwriting, mobile banking, and digital customer acquisition targeting the same retail segments SBR Bank serves.
• PKO Bank Polski: Largest universal bank in Poland and dominant retail deposit-taker. Relevant incumbent benchmark for retail deposits, consumer lending, mortgage origination, and digital banking at scale across the same Polish customer base that SBR Bank serves in the Podlaskie region.
• mBank: One of Poland's largest retail and digital banks and a recognized digital leader. Comparable as a benchmark for mobile-first product design, PSD2 API capabilities, and competitive pressure on SBR Bank's retail and youth segments.
• Bank Millennium: Polish retail and SME bank with strong consumer lending and digital presence. Relevant broad incumbent for comparison on consumer loans, credit cards, and savings products in the same Polish retail market.
• Santander Bank Polska: One of the largest universal banks in Poland with strong retail, SME, and agricultural lending franchises. Comparable as a broader incumbent with overlapping agricultural lending and SME banking activities in Poland.
• Credit Agricole Bank Polska: Universal retail and SME bank in Poland with a cooperative-style relationship banking emphasis. Comparable as a broader incumbent pursuing personal customer service alongside digital channels in markets that overlap with SBR Bank.

Others

• Grupa BPS (Bank Polski Spółdzielczy Group): Cooperative banking group that SBR Bank belongs to and the second-largest banking group in Poland by customer count. Highly comparable as the operating umbrella of which SBR Bank is a regional member, providing shared infrastructure, ATM network, and product standards.

Direct peers

• Bank Ochrony Środowiska (BOŚ Bank): Polish niche commercial bank with a thematic specialization (environmental financing) and a small national branch footprint, similar in scale and customer-segment focus to SBR Bank. Comparable as a small-to-mid Polish bank pursuing differentiation through a specific lending niche rather than competing on national scale.
• Bank Pocztowy: Polish niche bank with regional and community-banking character, including a strong reliance on physical distribution and government-program lending. Comparable to SBR Bank as a smaller Polish bank serving retail and SME customers outside the largest universal banks.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SBRBank1
• LinkedInlinkedin.com/company/sp%C3%B3%C5%82dzielczy-bank-rozwoju-sbr-bank

Compliance8 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 SBR Bank