Bank Polska Kasa Opieki Profile
Bank Polska Kasa Opieki S.A., together with its subsidiaries, offers a range of banking services to retail and institutional customers in Poland.
The bank holds a leadership position in servicing domestic financial institutions, focusing on providing services to insurance companies, investment funds, brokerage houses, financial sector infrastructure entities, cooperative banks, as well as savings and credit unions. The range of services includes modern transactional banking products, clearing products, treasury products, custody services and services of depository bank, as well as the access to the comprehensive offer of the bank entities addressed to this segment of clients.
Business Model
The bank's business model is based on customer segmentation with the following groups of customers:
Retail Banking and Private Banking- serve individual clients, including affluent private banking clients and micro enterprises. Private banking clients are offered investment advisory through private banking centers and remote channels, while all individual clients and micro-enterprises are served through a wide network of branches and partner outlets supported by market-leading remote service channels, including digital channels.
Enterprise Banking - provides financial services to clients from small and medium-sized enterprises sector that are served by relationship managers with the support of product specialists. The service is carried out in specialized Business Customer Centers, Corporate Centeres and universal retail branches. Customers are offered with products and services tailored to their individual needs based on solutions proven in corporate banking and adapted to the needs of the enterprise segment.
Enterprise Banking consists of two segments: Small and Medium Enterprises (SME) and Medium Enterprises (MID) segments.
Lending Activities and Customer Financing: The company offers its clients a wide, comprehensive range of products and services, such as bank loans, leasing, factoring, arranging issues of debt securities and other specialized forms of financing.
Corporate and Investment Banking - provide financial services to large enterprises (segmentation by revenues of companies), public sector entities, financial institutions and entities from the commercial real estate financing sector. Corporate and investment banking clients are served by relationship managers with the support of product specialists.
The bank provides both the comprehensive services of a universal bank and the services in such areas as leasing, factoring, investment advisory services, advisory in M&A, as well as highly advanced treasury, capital market products and custody services.
Distribution Channels
The bank offers to its clients a broad distribution network with ATMs and outlets conveniently located throughout Poland, as well as a professional call center and a competitive online and mobile banking platform for individual, corporate and micro companies.
Subsidiaries
Pekao Bank Hipoteczny S.A. (Pekao Bank Hipoteczny)
Pekao Bank Hipoteczny is a specialist bank, focuses on granting mortgage loans and issuing covered bonds.
Pekao Investment Management S.A. (Pekao IM)
Pekao IM owns Pekao Towarzystwo Funduszy Inwestycyjnych S.A. (Pekao TFI). Pekao TFI is the oldest investment fund in Poland providing customers with modern financial products and opportunity to invest on the Polish and the largest global capital markets.
Pekao Leasing Sp. z o.o. (Pekao Leasing)
Pekao Leasing provides financial services supporting purchases and sale of fixed assets, i.e. vehicles, plant and equipment, and office space, both in the form of operating and finance leases.
Pekao Faktoring Sp. z o.o. (Pekao Faktoring)
Pekao Faktoring, besides the full range of factoring services (recourse and non-recourse factoring), offers additional services, such as collecting information on debtors' standing, payments collection, debt recovery, settlements accounting and monitoring of payments on an ongoing basis. Additionally, Pekao Faktoring offers settlement of mass transactions, financial advisory and consulting services regarding selection of business financing methods, as well as extending factoring-related loans. It co-operates with the bank in developing new sales channels and enhancing sales through the existing ones.
Pekao Investment Banking S.A. (Pekao IB)
Pekao IB specializes in high-quality advisory and brokerage services for large and medium-sized enterprises and financial institutions. The scope of services provided by Pekao IB includes, in particular, accepting and transferring orders to buy or sell financial instruments, offering financial instruments, as well as consulting for enterprises in the field of capital structure, enterprise strategy and other services in the field of mergers, divisions and acquisitions of enterprises.
Centrum Kart S.A. (CK S.A.)
CK S.A. provides comprehensive services related to, among others with support for payment card management systems, transaction authorization and card personalization. It mainly provides services to the bank and in cooperation with the bank implements projects aimed at expanding the bank's product offer.
Krajowy Integrator Platnosci S.A. (KIP)
KIP operates an online payment system 'Tpay'.
Pekao Direct Sp. z o.o. (Pekao Direct)
Pekao Direct provides financial intermediation services, as well as comprehensive services through alternative communication channels for clients of the non-banking sector.
History
Bank Polska Kasa Opieki S.A. was founded in 1929. The company was incorporated in 1929.
