Credit Agricole Bank Polska S.A.

Activity profile

Credit Agricole Bank Polska is a universal bank that focuses on building long-term relationships with customers, professional consultancy and friendly customer service. The Bank provides its products and services through all access channels: e-banking, telephone (Infolinia) and the network of almost 440 bank branches.

Credit Agricole Bank Polska has a comprehensive offering of banking products for retail customers, small and medium businesses, corporations and farmers. The offering includes, among others, personal account packages, savings products, credit cards, investment funds and mortgage loans. The Bank also offers co-branded credit cards in cooperation with retail store chains.

Credit Agricole is one of the leaders on the consumer loans market. The Bank grants cash and car loans. The Bank’s installment loans are available in 16 thousand points of sales. The Bank is strongly committed to responsible financing.

At the end of 2013 Credit Agricole Bank Polska employed almost 5 700 persons.

Financial results

For Credit Agricole Bank Polska it was a period of intense development, particularly in the area of corporate banking, which grew much stronger due to a merger with the Polish branch of Credit Agricole Corporate and Investment Bank (CACIB). The net profit at the end of 2013 was PLN 185.1m. The consolidated net profit of the Credit Agricole Polska S.A. Group rose from PLN 161.7m in 2012 to PLN 180.3m at the end of 2013.
The reduction of the cost of risk fell by 14.6%: from PLN 176.3 million in 2012 to PLN 150.6 million in 2013.

The equity taken into account for calculation of the solvency ratio exceeded PLN 1.98 billion and fully covered the capital requirements. The ratio itself was maintained at a higher level than required, and it reached 14.91% at the end of 2013. The effectiveness, measured by means of the ROE indicator, amounted to 11.3% at the end of 2013, while the ROA indicator reached 1.4% (in 2012: 13.5% and 1.8%, respectively).


The strategy for 2010-2015 assumes positioning Credit Agricole Bank Polska among top universal banks in Poland and, at the same time, maintaining the leading position in consumer finance. The Bank plans to achieve these objectives by gradually increasing the number of active customers and building long-term customer relationships. The relationships with customers will be based on professional consultancy, offers tailored to individual needs and friendly customer service.

Since 2001 the French financial group Crédit Agricole, which operates in 70 countries, is the main shareholder of Credit Agricole Bank Polska. The Group provides Credit Agricole Bank Polska with know-how and financial support in achieving the strategic goals. Apart from Credit Agricole Bank Polska, the Crédit Agricole Group in Poland also comprises Europejski Fundusz Leasingowy and Crédit Agricole Ubezpieczenia na Życie.

The information about the strategy of the Group

The detailed information about the strategy of the Group is available on Crédit Agricole website .

Governing bodies

Management Board of Credit Agricole Bank Polska S.A.

Romuald Szeliga , President since 11 July 2007
Romuald Szeliga

Romuald Szeliga started his career in the banking sector in 1989 in PKO BP, where he supervised the network of branches in the Poznań region. Since 1992 he was a member of the Management Board of Wielkopolski Bank Kredytowy. In this position, he was responsible, among others, for the network of branches, marketing and sales, e-banking, as well as the areas of loans and risk. He participated in the development of the nation-wide network of bank branches, in the bank’s privatization and its stock market launch. In 2001, following the merger of WBK with Bank Zachodni, he assumed the position of a management board member of the new bank, where he was responsible for numerous sales projects, procedures and processes as well as the treasury department. Since 2003, he worked for Bank BPH, where - as the Managing Director - he led the development of a retail banking macroregion (one of four such macroregions).
Romuald Szeliga is a graduate of the University of Economics in Wrocław and of postgraduate banking studies at the University of Warsaw.

Philippe Marié , Vice-President, Senior Country Officer CA Polska since 23 February 2010
Philippe Marié

Philippe Marié has been active in banking for 27 years, all this time working for Crédit Agricole. Philippe Marié started his banking career in 1983 as a corporate relations manager in Crédit Agricole’s Regional Bank in Loiret; he was subsequently responsible for loans for agriculture and small enterprises. He then assumed the position of the Retail Network Director. In 1998 he was appointed Vice-President in the Regional Bank in Calvados. In the years 2002-2005, as the Vice-President of the Regional Bank in Brie, he presided over the merger with the Regional Bank in Somme. Since January 2006, he managed the Regional Banks in IGL. Until 2010, he was a member of the Management Board of BDI, where he was responsible for IT and HR. In Poland, Philippe Marié also has the function of the Senior Country Officer in CA Polska.
Philippe Marié graduated as an engineer of agriculture at Institut National Agronomique de Paris-Grignon in Paris and engineer of construction, water management and forestry at Ecole Nationale du Génie Rural, des Eaux et des Forets In Paris.

Joanna Tomicka-Zawora , Vice-President since 6 July 2009
Joanna Tomicka-Zawora

Joanna Tomicka-Zawora has been working in banking for 12 years. Over this period, she has gained experience mainly in retail banking. In the past 4 years, she was the Managing Director in Millennium Bank, and one of her achievements was positioning the bank among market leaders in credit card and cash loan sales - among other achievements, she created a separate business line for payment lines. She also participated in defining the strategy and business model for the deployment of payment cards for Banco Comercial Portugues, Millennium Bank’s shareholder, in Romania.
Earlier she worked for Citibank, where, among other achievements, she contributed to strengthening the bank’s position in upper segment credit cards. She was also a member of the Supervisory Board of the Credit Office, Steering Committee of Visa International, Creative Managers Forum and the Banking Cards Issuers Council (Rada Wydawców Kart Bankowych). Joanna Tomicka-Zawora is a graduate of English Studies at University of Maria Curie-Skłodowska in Lublin and of Cheltenham College in the UK. She also graduated from numerous prestigious courses and seminars in the fields of banking, finance and management.

Beata Janczur , Vice-President since 28 April 2010
Beata Janczur

Beata Janczur is in LUKAS Bank since 2007 as Executive Director for HR and HR coordinator for CA Polska. Before joining LUKAS Bank Beata has been associated with ING Group in its Russian, Dutch and Polish structures. In ING Life Insurance Moscow Beata worked out and implemented a green field project in HR support and sales force development, while in Holland she was responsible for Development Programmes for TOP200 and projects on Engagement and Diversity, Organizational Culture for High Performance implemented worldwide. She acted as Human Resources Director in ING Nationale Nederlanden in Poland, managing HR division. Beata Janczur graduated Psychology Institute on Uniwersytet Jagieloński.

Jean-Paul Pinchon , Vice-President since 28 April 2010
Jean-Paul Pinchon

Jean-Paul Pinchon has been working in banking sector for 19 years. For last 3 years he has been Head of Retail, Executive Board Member of Crédit Agricole Serbia. His main tasks there were to re-organize network structure and move the bank model from transactional to sales & advisory model oriented. He also has set up a new sales, marketing and animation structure policy. In addition to business, he set up from scratch the full collection & litigation process and team as well as implemented the Scoring Policy in Crédit Agricole Serbia. Before joining CA Serbia he has been responsible for consumer finance business in Sofinco. In Hungarian subsidiary Jean-Paul was Chief Executive Officer, while in previous years in France - in headquarters and regional structures - he occupied various positions up to Senior Manager for Commercial Development.
Jean-Paul graduated Université Paris II. Panthéon-Assas with master degree in Business Law and Tax.

Marc Renard , Vice-President since 28 April 2010
Marc Renard

Marc Renard has over 30-year experience in universal banking, from the very beginning in Crédit Agricole structures. During these years he was working at various functions and management levels, which gave him in-depth expertise and knowledge about every detail of commercial network, sales or co-operation with corporations. Marc was a branch manager at the beginning of his professional career in CA Maine et Loire, then head of commercial network in CA de l’Eure and head of business development department CA Charente-Périgord. Last 3 years he spent in Crédit Agricole S.A. working for international retail banking as head of marketing and the commercial network.
Marc Renard graduated Engineer degree of the Angers University of Agriculture and Executive programme studies INSEAD.

Piotr Kwiatkowski , Vice-President of the Management Board since 1 April 2013
Piotr Kwiatkowski

Piotr Kwiatkowski has been working in the banking sector for nearly 20 years. From 1995 to 2000 Mr Kwiatkowski was with Bank Handlowy (today Citibank Handlowy), where he was loan office director for two years. In 2000 he joined Pekao S.A., where he subsequently held positions of office director in the corporate banking division, structured finance and trade department director (from 2002) and strategic corporate customer department director (from 2004).
From June 2007 to March 2013 Mr Kwiatkowski was General Director of Crédit Agricole Corporate and Investment Bank in Poland.
In his capacity as Vice-President of Credit Agricole Bank Polska Mr Kwiatkowski will be in charge of: Large Corporate Client Division, Mid-Corporate Client Division, Capital Markets Division, Corporate Banking Credit Risk Division, Corporate Banking Products Division as well as Macroeconomic Analysis and Investment Banking & Project Finance Departments.
Mr Kwiatkowski holds Master’s degrees in civil engineering from the Warsaw University of Technology and management from the University of Warsaw as well as a PhD degree in economics from the Warsaw School of Economics. He also has a number of publications to his name on banking and finance, including in particular investment project financing, syndicated loans and credit risk assessment and management.

Jędrzej Marciniak , Member of the Management Board since 1 May 2011
Jędrzej Marciniak

Jędrzej Marciniak boasts over 20 years of experience in banking. His professional career developed in Wielkopolski Bank Kredytowy and, following the merger, in Bank Zachodni WBK. During that time he performed a number of functions at various management levels in Poland and abroad. In Wielkopolski Bank Kredytowy he launched the first electronic banking service in Poland and one of the first credit cards. During the merger of Bank Zachodni and Wielkopolski Banki Kredytowy, on the position of a management board member, Mr Marciniak was responsible for the consolidation of electronic banking systems and card business. He also supervised the creation of the call centre and payment card acceptance centre. From 2003 he was a managing director in charge of brand management and investor relations. He participated in the creation of a number of marketing campaigns including, among others, Arka investment funds and BZ WBK featuring international celebrities. During the period when Jędrzej Marciniak managed the BZ WBK brand, it became one of the most recognizable brands on the Polish market.
Jędrzej Marciniak graduated from the Poznań University of Economics. He also finished Kellogg School of Management in USA and London Business School In Great Britain.

Supervisory Board of Credit Agricole Bank Polska S.A.
  • Marc Oppenheim - Chairman of the Supervisory Board
  • Elżbieta Jarzeńska-Martin - Secretary of the Supervisory Board
  • François Thibault - Member of the Supervisory Board
  • Patrick Clavelou - Member of the Supervisory Board
  • Alfred Janc - Member of the Supervisory Board
  • Raphaël Appert - Member of the Supervisory Board
Management Board of Credit Agricole Polska SA
  • Philippe Marié - President of the Management Board
Supervisory Board of Credit Agricole Polska SA
  • François Pinchon - Chairman of the Supervisory Board
  • Gérard Marchand - Member of the Supervisory Board
  • Thierry Verdier - Member of the Supervisory Board

Annual reports

Socially responsible Bank

Corporate Social Responsibility (CSR) is understood at Credit Agricole Bank Polska as taking transparent and ethical decisions and initiatives that contribute to sustainable development, health and wellbeing of society. Such initiatives take into account the expectations of various stakeholders, are compliant with the law, and consistent with international standards of conduct.

Our CSR activities are an inherent feature of our organizational culture and are based on our values: credibility, accessibility, professionalism and friendliness, as well as on the Code of Ethics of Credit Agricole Bank Polska , the Crédit Agricole’s Ethics Charter, the FIDES Programme shared by all companies of the Crédit Agricole Group in Poland, the Code of Banking Ethics (Good Banking Practice Principles ZBP) , and the Financial Market Good Practices issued by the Polish Financial Supervision Authority (KNF) [PL] .

CSR goals

By undertaking socially responsible activities and by respecting ethical standards we want to build public trust in our bank and enhance its credibility. We also want to encourage our stakeholders to lead environmentally-friendly lifestyles.

Therefore we get involved in various cultural and charitable initiatives and promote pro-social and environmentally-friendly attitudes in various groups in our environment.

The groups of our key stakeholders translate into CSR areas that we focus on. The areas are as follows:

  • Social commitments;
  • Relations with individual customers;
  • Relations with business partners;
  • Internal relations (with staff);
  • Environmental protection.
Social responsibility of the Bank

At the heart of Credit Agricole Bank Polska’s social responsibility is the Bank with Class. All You Need to Know About Banking campaign. We support schools in teaching the youngest pupils the basics of banking, finance and business. We believe that by teaching children respect for money and money management, and first of all by encouraging children to develop the habit of saving money, we give them a head start for their future. In preparing the campaign we were guided by the Chinese proverb ‘A lesson that reaches the ears but not the heart is like dinner eaten in a dream’. Therefore, in the Bank with Class programme children learn through play and experience. We also encourage children to read books; excerpts from the books they read are used as key themes of most classes. Classes are run by staff of the bank who have volunteered for the project. The programme is designed for three years - the first three years of primary school. It consists of 14 lessons; 13 lessons are conducted at schools, one at a bank branch.

In addition to providing financial education to the youngest children, we also help university students in the development of their skills. The Center for Active People is a programme stimulating young people to actively shape their future. In 2013, we have for the second time announced the winners of two competitions. Five projects were awarded cash prizes in the I have a Plan. I will do it with Credit Agricole competition. Five research groups were awarded grants for social research. The total amount of funds awarded in the two editions of the programme to the winning projects to help the winners turn their ideas into reality was PLN 95,000.

Another project, cooperation with the University of Economics in Wrocław, is aimed at tightening cooperation between business and academic circles and sharing business practitioners’ experience with students. Since 2010, we have been pursuing these goals mainly through organizing lectures and workshops for students conducted by experts from our bank. This cooperation has been made possible thanks to the involvement of research groups and the Business Education Forum operating at the university. In January 2013, we entered into cooperation with the Wrocław University of Environmental and Life Sciences. We are involved, among others, in providing opinions on new teaching programmes for BSc and MSc courses to ensure that they meet business requirements.

Since 2005, we have been involved in the national Noble Pack campaign organized by Kraków-based WIOSNA (Spring) Association. Last year, our bank’s staff, including Management Board members, provided Christmas gifts to 32 families in need across Poland.

For several years now, we have been providing financial support to the Children’s Friends Association in Wrocław to contribute to the organization of summer holidays for disabled children.

In addition to supporting local charity initiatives, Credit Agricole Bank Polska, as a company with its roots in France, gets involved in various events promoting French culture in Poland. This year, we have supported, for the 9th time, the Francophonic Days initiated by Alliance Française. and sponsored a Zaza Fournier concert. We have also sponsored, for the first time, the New French Cinema Festival in Poland. The idea behind the festival is to present new French films that have been well received in France and have not been shown in Poland yet. The organizers of this year’s festival, Institut français de Pologne and Gutek Film, showed 10 films in 11 cities.

In addition to the projects carried out by the bank, we also support volunteering initiatives proposed by our individual employees. The Grant Programme , whose first edition was launched at the end of 2012, gives our staff the opportunity to obtain partial funding for their volunteering initiatives. The projects to be awarded funding are chosen by all employees of the bank in an intranet vote. In the first edition of the programme, the vote started on 5 December 2012, International Volunteer Day. As a result of the vote, grants were awarded to 15 out of the total of 28 projects that were proposed. 78 employees have been carrying out their volunteering projects since January this year. The projects will benefit, among others, the Children’s Home in Chotomów, the Homeless Animals Shelter in Józefów, the Long-Term Care and Nursing Care for Children in Wierzbice, the Long-Term Care and Nursing Care for Children in Jaszkotle, and the Brother Krystyn Help-Your-Fellow-Men Association in Gorzów Wielkopolski. The Bank allocated PLN 30,000 for the implementation employees' volunteering projects.

Bank for the greener world

Social responsibility goes hand in hand with environmental initiatives. With a view to promoting pro-environmental attitudes around us, we have launched, among others, the following activities:

- Bank with a Charitable Twist: collecting plastic caps. The money raised from the sale of the caps are donated to support the construction of the Przylądek Nadziei (Cape of Hope) oncology hospital in Wrocław. Besides the money raised from the sale of plastic caps, the Management Board of the Bank has donated an additional amount to the hospital.

- Green Week: - an initiative that promotes eco-friendly lifestyles among the bank’s customers and staff, and brings them together around shared values;

- Saving Paper Saves Hedgehogs: - an initiative aimed to encourage customers to abandon paper bank statements in favour of electronic ones. Part of the savings generated by this initiative were donated by the bank to the Polish Hedgehog Protection Association.

- Week of Sustainable Transport and Day Without a Car: - initiatives that promote eco-driving and using alternative means of transport (bicycle, public transport, etc.)


We have received numerous awards for our pro-social and pro-environment activities. In 2013, the Bank with Class. All You Need to Know About Banking education campaign has won the first prize in the Banking World Leaders competition in the CSR category. Prizes were awarded in recognition of outstanding contributions to the development of the banking sector in Poland, the most interesting solutions, and to the most effective banks.

The Bank with Class campaign is also one of the projects, in addition to the I Act Cause I Like It volunteering programme, the Centre for Active People, Share the Knowledge (an internal training programme where staff share their expertise with other staff), and cooperation with the University of Economics in Wrocław, that have won recognition from the Responsible Business Forum in this year’s Responsible Business in Poland. Good Practices report. Our good practices that won recognition from the Responsible Business Forum in previous years also include the Code of Ethics of Credit Agricole Bank Polska S.A. and the Green Week initiative.

In 2012, we also won recognition in the sixth edition of the Socially Responsible Companies ranking of Dziennik Gazeta Prawna daily.

A year earlier, we won the Responsible Employer title, which is awarded to companies in recognition of exemplary attitudes to their staff, creativeness and innovativeness.

In 2009, our bank was the winner of the Art More Precious Than Gold competition run by the National Bank of Poland and the Commitment to Europe foundation in the Pro-Cultural Internal Policy category. The award was granted to us in recognition of promoting culture among our staff.



For the upcoming Christmas Credit Agricole’s Discount Club invited customers to take advantage of pre-Christmas promotions in December. The Bank also encouraged customers to do their shopping online, and take out instalment loans to finance the purchased items. As usual, towards the end of the year the staff of Credit Agricole Bank once again supported pre-Christmas initiatives to help those in need. This time, they joined the Christmas Food Collection campaign and - for the ninth time already - the nationwide Noble Pack campaign.

In November the Bank offered customers cash loans on special terms once again. Early in that month the Bank launched a pre-Christmas cash loan campaign. Credit Agricole used a proven solution and launched another PLN 10 Simply-Calculated Loan promotion.

In November Credit Agricole also encouraged the existing and potential credit card holders to take part in the Pay with Card and Win! competition. The most active participants had a chance to win one of forty Apple products.

In October, the bank launched its autumn promotional campaign targeted at people aged from 18 to 27, offering them free-of-charge bank accounts and attractive discounts as part of the Discount Club programme, and inviting them to attend educational meetings at universities and to participate in a Career Hacking competition.

In October, Credit Agricole also prepared a promotional offer for licensed petanque players and for clubs which are members of the Polish Petanque Federation. The Bank has been promoting this French sport in Poland for two years and wants to take care of petanque players’ finances.

In September, Credit Agricole invited farmers to visit the AGRO SHOW, the largest outdoor agricultural exhibition in Europe that had been organized in Bednary near Poznań for 16 years, and to attend the 12th Milk Cooperatives Forum in Augustów.

The bank, encouraged by the success of the first edition of the We Are Ready! promotional campaign for accounts, has decided to repeat it. Any person who between 28 September and 30 November 2014 opened an account with Credit Agricole could get a bonus of up to PLN 1000. All requirements that had to be met by the customer to enjoy the bonuses offered by Credit Agricole Bank were related to daily banking.

At the end of August, Credit Agricole invited young people who are planning or beginning their professional career to take part in a Career Hacking competition; the winners were announced in October. Twenty finalists will be offered an opportunity to test their professional skills working on case studies during workshops to be held in Wrocław. Then, five winners will be selected, who will go on a six-day educational trip to Paris.

In mid-August the bank offered cash loans on special terms. Credit Agricole decided to use a proven solution and to launch another PLN 10 Simply-Calculated Loan promotion. As indicated by the name of the promotion, the monthly cost of a loan was just PLN 10 for each PLN 1000 borrowed.

In August, Credit Agricole also launched a new Website of the Discount Club. Now, users of the bank’s payment cards can easily and quickly plan their shopping trips and calculate how much they can save if they pay with a card. The new feature allows the card user to do that either at home or in the shop, using a smartphone or a tablet.

At the same time Credit Agricole’s offering for businesses was expanded to include POS terminals. POS terminals are offered together with business accounts with no maintenance fee. No rental fee is charged for a POS terminal for three months. The POS terminals offered can be used not only for accepting card payments, but also for mobile phone top-ups and for loyalty programmes for customers of a shop or patients of a medical practice.

At the beginning of August, the bank launched an information campaign under the slogan ‘Insurance to Your Advantage’ aimed to remind the public that Credit Agricole offers its customers both banking and insurance products. Based on an analysis of benefits paid to its customers, the bank modified its life insurance package as a result of which the solutions offered accommodate the needs of customers taking out insurance to a fuller degree.

In July, the bank launched an information campaign under the slogan ‘Insurance to Your Advantage', aimed to remind the public that Credit Agricole is a universal bank that offers its customers both banking and insurance products.

At the end of June, Credit Agricole started a promotion for 1st Accounts and SIMPLYsaving PLUS accounts, under which between 27 June and 30 September 2014 holders of those accounts can withdraw cash from ATMs abroad free of charge, using the bank’s cards denominated in Polish zlotys, euros, or US dollars.

At the beginning of summer, Credit Agricole offered its account holders six-month deposits paying interest at 3.3 percent per annum. At the same time, the bank launched a promotion for six- and nine-month deposits offered to new customers who decide to open personal accounts with Credit Agricole and undertake to make regular payments into their accounts.

In June, the bank offered businesses a Business Account overdraft promotion. Under the promotion, the bank offered to set up one-year overdrafts free of charge, no fee for the renewal of such overdrafts, and no account maintenance fee throughout the duration of such an overdraft.

Also in June, Credit Agricole launched a mentoring programme under the name ‘On Your Way to Your First Job’. The bank invited ten experts, specializing in psychology, journalism, management, marketing, law, running own business, personal style, corporate finance, HR, and customer service, to participate in the project. On their Facebook fan pages, the mentors share their experience and professional achievements, ask questions, and encourage discussion. The underlying idea is to unleash young people’s motivation to act and encourage them to take the first steps on their professional career paths.

In May, Credit Agricole made efforts to convince the young that holding a personal account with the bank pays off and to encourage people aged between 18 and 27 to open their 1st Accounts. Any such young person who chose to do so at that time could receive a bonus of up to PLN 290 or an overdraft or credit card limit of up to PLN 1,000.

IMPLYsaving account packages were once again used by Credit Agricole to strengthen its position as a universal bank. In April 2014, the We Are Ready! promotional campaign was launched. Any person who opened an account with the bank until the end of May could receive a bonus of PLN 1000.

Also in April, Credit Agricole made available the CA Navigator application on its Website that can be used by any person interested in entrusting their savings to the bank to define their goals and choose products offered by the bank that will help the person to save money to achieve those goals. The system suggests products that meet the needs of the customer and enables the customer to compare, save, and view simulations.

In March, Credit Agricole presented its offering to farmers at the AGROTECH Agricultural Machinery Show in Kielce.

In February, the bank raised the interest rate offered for 36-month deposits up to 4.1 percent per annum despite the low interest rates prevailing in the market. The Credit Agricole offer was one of the most attractive ones in the market at that time as customers could open deposits without having to meet any additional requirements. In the same month, the bank started to sell InvestMedica.

At the end of January, Credit Agricole decided to offer holders of 1st Accounts and SIMPLYsaving PLUS accounts free-of-charge ATM cash withdrawals across the world, available in February and March, the months when most Poles take their winter holidays, many of them going abroad.

Also in January, the bank announced the launch of its cooperation with John Deere. Credit Agricole is the only bank in Poland that offers to finance purchases of machinery and equipment under the John Deere Financial programme, available to customers of authorized John Deere dealers only.

At the beginning of 2014, Visa debit cards, fixed term deposits and savings accounts denominated in euros and US dollars were made available to Credit Agricole customers.

In January, Credit Agricole launched another regular savings programme, in addition to My Financial Reserve, under the name ‘My Home’. This time the bank encourages saving for down payments.


In December 2013, i.e. two years after the launch of Credit Agricole Discount Club the number of commercial outlets offering discounts to bank customers has exceeded 10,000. Thus, as the bank projected in 2011, the club has become the largest of its kind in Poland.

At the end of the year Credit Agricole introduced an investment loan for purchase of arable lands and agricultural properties to its offering. The product is intended for farmers who have been conducting agricultural business or manufacturing activity for at least 12 months, and they own or hold the land on lease.

In October 2013 the bank launched its new website based on the responsive web design technology. Thanks to complete information about products and the opening up to mobile users, the website makes it easy for users to familiarize themselves with the products and services offered by Credit Agricole and make an online purchase decision. The size of the screen used by a user is no longer important as the layout is adapted to the screen being used.

In September Credit Agricole made interest on standard offering deposits even more attractive. The Bank increased interest on 12-month and 24-month deposits. The annual interest rate was set at 3.20% and 3.75% for the 1-year and the 2-year deposit respectively, and was counted among the most attractive rates on the market. Staying true to our motto "Simply and Sensibly" we have prepared the offer for all customers, and there were no additional eligibility requirements.

Also in September the bank organized a panel discussion: Infrastructure Financing - Politics or Business? Among participants in the discussion held on 4 September 2013 during the 23rd Economic Forum in Krynica Zdrój were Jan Krzysztof Bielecki - President of the Economic Council of the Prime Minister, Paweł Tamborski - Undersecretary of Statein the Ministry of State Treasury and Régis Monfront - Vice-President of the Management Board of Crédit Agricole Corporate and Investment Bank. The discussion was chaired by Jakub Borowski, Chief Economist of Credit Agricole Bank Polska S.A. Among other things, the participants tried to answer the questions concerning profitability criteria and the impact of central and local government bodies on business effectiveness of infrastructure projects.

Regular savings programmes are a new product category introduced by Credit Agricole in August 2013. The first product from this category is My Financial Reserve which makes it possible to accumulate so called “just in case” funds. To support its customers in achieving this goal the Bank rewards them with extra interest for saving regularly.

In June the Crédit Agricole brand reported its all time high in terms of aided brand awareness (nearly 90 percent). Furthermore, 50 percent of respondents considered Credit Agricole to be a trustworthy financial institution. Intensive marketing activities, which have been carried out since the brand debut on the Polish retail banking market in September 2011 allowed the bank to get such good results.

Also in June Credit Agricole offered group insurance ‘Multipackage’ to its account holders, which was prepared in cooperation with TU Europa S.A. and Europe Assistance Polska S.A. and comprised three packages: Technical Assistance, Medical Assistance and Safe Pocket.

In May Credit Agricole started subscription to TOP 100 DIVIDEND.

In April the bank launched another product for farmers: an investment loan for purchase of arable lands. Customers who intend to start agricultural activities can also take out this loan.

On 22 March 2013 the General Meeting of Shareholders of Credit Agricole Bank Polska approved the bank’s financial statements and decided on how to distribute the profit for 2012. Shareholders were paid dividends amounting to three-fourths of the profit, whereas the remaining one-fourth was used to strengthen the bank’s equity.

In March 2013 Credit Agricole offered farmers the AGRICOLE account with a simple table of fees and charges. The account is maintained for free, and the most popular banking operations cost PLN 0 or PLN 1.

February was the month in which the Bank intensively promoted the Simply-Calculated Loan.

Also in Q1 2013 SIMPLYsaving Account packages were used by Credit Agricole to strengthen its position as a universal bank. At the beginning of 2013 the bank was encouraging its customers one more time to take its offer by offering them a reduction of payments for utility bills by 10% and a bonus if they decided to take the Round-Up Savings (CAsaver) service.

In January 2013 the Polish Financial Supervision Authority gave its consent to the merger of Credit Agricole Bank Polska S.A. with Credit Agricole Corporate and Investment Bank S.A., Branch in Poland. With this merger a business model was created under which both transaction banking products and investment banking products are offered to corporations. Additionally, thanks to the extensive retail sales network and the corporate centers being established, the bank’s services will be more accessible to customers.


In February Credit Agricole Bank Polska received the Golden Banker statuette, in the third edition of the poll organized by portal and PAYU S.A. Internet users awarded the Bank with this honourable distinction for its Simply Calculated Loan.

With spring Credit Agricole Bank Polska entered the agribusiness market. Mobile advisors convinced farmers to take advantage of the Bank’s offer, and of the investment loan in particular. In developing the relationships in the new segment and in building its product offering the Bank draws on the competence and experience of Crédit Agricole regional banks - they form the biggest agriculture bank in France, which has been in operation for over 100 years and serves over 84 per cent of farmers in that country.

In March, the Bank reached out to SOHO businesses with an offer of financing new and used vehicles, equipment and machinery up to as much as 100% of the investment value. Credit Agricole offered them a flexible payment schedule tailored to their credit capacity and seasonal character of their business.

On March 26 the Supervisory Board of Credit Agricole Bank Polska decided that Romulad Szeliga would head the Management Board for yet another 5 year term commencing 1 September 2012. The Supervisory Board underlined the enormous contribution of the President in the development of the Bank and the fact that his education and professional experience guaranteed prudent and stable management.

Romuald Szeliga has been involved in banking almost from the very start of his professional career. During more than 20 years of his work in domestic financial institutions he took an active part in the development of standards and solutions for the entire banking sector in Poland.

The 10th, jubilee, edition of the report "Responsible Business in Poland. Best Practices" recognized Credit Agricole Bank Polska with four awards. Among the practices awarded were: the Active Center, the Let's share knowledge programme, the Code of Ethics, and cooperation with the University of Economics in Wroclaw.

In April, Credit Agricole Bank Polska offered all those interested in purchasing a car, especially in the pre-owned market, the Fast Car Loan. The new product was an addition to the Bank Car Loan already offered by Credit Agricole. The customer can now choose whether to use the traditional bank offer with its good price, possibility of obtaining a higher loan amount and longer financing period - but with security established on the vehicle, or the Fast Car Loan, with funding available almost immediately, without further formalities, with the possibility to benefit from reduced interest rates.

In May, Credit Agricole prepared a deposit lottery for its customers, in which the lucky winners could receive the equivalent of the savings that accumulated in the bank. Funds in I Save savings accounts, Antidotum PRO insurance and savings policies and fixed-term deposits were eligible for the promotion. To qualify for the lottery it was enough to have one thousand PLN gathered in all of these products or in any one of them on the eve of the draw. Every winner received from the Bank as much as they saved but not more than PLN 50,000.00. The total prize pool was nearly PLN 1.5 million, which is almost 100 times more than the average balance of savings in the products included in the lottery.

At the beginning of July Credit Agricole introduced a new investment product. The underlying product for potential profits of up to 30% within three year is the value of three indexes. World Indexes is an investment vehicle in the form of life insurance with unit linked insurance plan based on the value of three stock market indexes: WIG 20, S&P BRIC 40 Euro and SX5E (Euro Stoxx 50).

At the end of the month the Bank announced that it had once again invited Juliette Binoche to participate in its image building campaign. The decision to continue cooperation with the French actress was due to the success of the first image building campaign she participated in. Studies confirmed that customers viewed her positively as the ambassador of Bank brand. Thanks to intensive communication activities, over 76% of respondents declared recognition of the Credit Agricole brand.

In August, Credit Agricole Bank Polska introduced the Business Loan offer for representatives of liberal professions, which could be used for financing anything related to their business activity. Also existing SME customers could apply for the cash loan.

In October, the Bank offer was expanded with new packages of SIMPLY Saving accounts. Free online transfers, a Personal Overdraft Facility, contactless cards, a service which facilitates saving - are all components of the packages. The bank addresses the latest offer both to customers who use their accounts actively and expect tailored solutions and to those who use their accounts occasionally, but value personal contact with the advisor.
At the same time Credit Agricole introduced a new functionality - Round-Up Savings.

It allows customers, little by little, to put aside some specified amounts. All non-cash transactions made with any card issued to new account packages are rounded up and the round-up amount is transferred to the I Save savings account. Customers themselves decide the nearest round-up amount - it can be PLN 0.5, PLN 1 or PLN 5.
Introduction of new packages was accompanied by the I Save On Bills promotion addressed to those who opened a SIMPLY Saving PLUS or SIMPLY Saving PREMIUM account before November 30. During the campaign the Bank lowered account holders’ water, electricity, gas, internet, and mobile and landline phone bills.

In November, Credit Agricole announced that it would soon provide services to the largest corporations. The Bank will merge with the Polish branch of the corporate and investment banking arm of its shareholder. This is another considerable step on the way to universal banking. The Bank is waiting for the KNF consent to go ahead with the merger. The Bank expects the formal merger process to be completed in the first half of 2013. Also in November, Credit Agricole simplified the account opening process for corporate clients. They can now open an account using electronic documents, which will then be verified by Bank employees online in relevant registries.


In January LUKAS Bank starts the refurbishment of its bank branches. The first ones are branches in Warsaw, Poznań, Katowice and Wrocław. The refurbished outlets feature both new external design (furniture, customer service stations) and overall organization of work of advisors. The refurbishment is a part of a larger project aimed at introducing a new model of work in all LUKAS Bank branches in Poland. By the end of the year the bank plans to refurbish all branches.

For the first time in the Bank’s history its offering features structured products. Up to 10% of annual profit is promised by Lukas Bank from its new guaranteed capital investment product launched in March. The condition for generating such profit is a stable, within a specific bracket, EUR/PLN exchange rate over the period of 2 years.

In April the bank launches services to corporate clientele.

In May LUKAS Bank promotes its cash loan by clearly communicating the associated costs. The Bank asserts that every Customer can easily calculate the costs of a loan. The offer is supported by a TV commercial.

On 23 September, LUKAS Bank S.A. changed its name to Credit Agricole Bank Polska Spółka Akcyjna and launched the Crédit Agricole brand for retail banking in Poland. The change of our name emphasises the fact that for 10 years we have been part of Crédit Agricole, one of the largest financial groups in the world. All our efforts are designed to make our bank even more credible, accessible, professional and friendly towards Customers.

On 23 September 2011, the international brand Crédit Agricole replaced Lukas Bank and soon afterwards the "Prosto i z sensem" (simply and reasonably) slogan replaced the previously used "Tak powinno być w każdym banku" (This is what it should be like at any bank).

"Prosto i z sensem" corresponds to "Le bon sens a de l'avenir", which, translated literally, means "common sense has a future". Both versions of our motto reflect Crédit Agricole's conviction that, despite widespread opinion to the contrary, it is possible to like a bank, and the offering of a financial institution can be simple and easy to understand.
The new slogan made its debut in the image-building campaign of Credit Agricole Bank Polska launched on 18 October. Juliette Binoche, an outstanding French actress, an Oscar, César, and Golden Palm prize winner, known from such films as Krzysztof Kieslowski's Three Colours: Blue, The English Patient, or Chocolat, was the face of the campaign.
The commercial showed the bank in the context of the likes and dislikes of financial institution customers. The light-in-style film collage illustrated the motto of Credit Agricole Bank Polska, "Prosto i z sensem", in a very simple but at the same time very attractive way.

In November, Credit Agricole Bank Polska launched its Discount Club for those customers that want to use their payment cards even more effectively and save money at the same time. Under the program customers can get discounts at the moment of making a card payment; discounts are applied right at the till. An innovative feature of the program offered by Credit Agricole is the possibility for customers to enjoy not only discounts offered in partner stores on a regular basis, all year round, but also extra discounts. The Club's partners comprise both large nationwide companies and small local businesses, which is another distinctive feature of the bank's offering.

At the end of the year we revamped our credit card portfolio. The most important of the changes made was the structuring of the offering in line with the retail customers segmentation. The aim of the change was to tailor the offering to meet, to a larger extent than previously, the needs of card holders and to make the products offered more distinct. In the Standard segment the bank launched a Credit Agricole Visa Standard card replacing the Maxima PLUS card. The Silver segment is represented by Credit Agricole Visa Silver and Credit Agricole MasterCard Silver cards, the latter replacing the MasterCard FURORA card. The Gold segment cards offered include Credit Agricole Visa Gold and Credit Agricole MasterCard Gold.


In February, the offering of personal accounts changes.

In March LUKAS Bank offers to its bank account customers a car loan, a mortgage loan and a cash loan without any origination fee, free current account and standing orders as well as higher interest rates on saving accounts and term deposits. The offer is also advertised on TV and on the Internet.

The Bank initiates CSR activities - it co-organizes the actions: "Get your bike to work. Let your car rest for a week" and "Saving Paper Saves Hedgehogs".

In June and July LUKAS Bank conducts the fist universal bank campaign-the Bank changes the service model for individual customers. Advisors do not wait for customers in bank branches but actively call them and invite to meetings. Apart from building relationships with customers, which was the key objective of the campaign, the advisors sold altogether 98 thousands products.

In June the layout of the bank website changes. New functionalities, such as a search tool and useful clipboard, are added. In July the Bank launches Lokata Poranna ("morning term deposit") with daily capitalization of interest, and in August it provides its customers with individual credit line facility for accounts.

After the first half of 2010 LUKAS Bank holds 966 thousand personal accounts and 51 thousand business accounts.

In November we have launched cooperation with the Wrocław University of Economics. On the 9th of November Romuald Szeliga shared his banking knowledge and experience with the students. The meeting was organised under the Business Education Forum programme, designed to bring together the experience of business people and the theoretical knowledge of academics. Until the end of the year another 3 lectures of our experts will be held at the University.


LUKAS Bank promotes a consolidation loan. The Bank organizes other promotions of FURORA credit card supported by advertising campaigns, for instance offering to customers a 6 percent refund in building and interior design shops in the spring and in sport shops in the summer.

In September the Bank implements a new sales structure. Credit centers are transformed into bank branches that provide comprehensive product offering.

At the end of the year, LUKAS Bank operates through the network of 444 points of sales. The Bank holds 935 thousand personal accounts and over 50 thousand business accounts. The Bank issued 1.37 million credit cards.


LUKAS Bank has launched a credit card-based FURORA loyalty programme. For the payments made with the FURORA card the customer gets a refund of a part of the amount spent on shopping. LUKAS Bank provides its customers with an option to receive statements via email. The Bank has been also developing its sales network, with 229 bank branches and 154 credit centres at the end of 2008. The Bank opened the first fully franchised credit centre.


Further intensive developement of banks sales network at the end of the year LUKAS Bank has over 330 branches. LUKAS Bank exceeded the number of one million issued credit cards thus assumed the leader position among credit card issuers in Poland.


Fast developement of LUKAS Banks sales network. Number of credit centers. LUKAS Bank presented also first mobile bank branch in Poland - LUKASmobil.


In September 2005 the business of LUKAS SA was transferred to LUKAS Bank SA by way of an in-kind contribution. Consequent to this operation, business activities pursued to date by LUKAS were transferred to LUKAS Bank, which now pursues its activities in two business lines: retail banking and consumer finance.


Taking advantage of the growth potential of the Polish financial services market, LUKAS Bank extensively develops its line of retail banking, also aimed at the SME sector. LUKAS SA reinforces its position as the consumer finance leader and constantly expands its offering of cash loans, car loans, and credit cards - so as to provide the customers with a comprehensive range of financial services.


On 6 February 2001, the shareholders of LUKAS SA sign an agreement with a new investor - Crédit Agricole. Consequently, one of the world"s biggest financial groups becomes a shareholder of the Bank. The Bank"s name changes to LUKAS Bank SA and its head office is transferred to Wrocław.


Intensive bank development. The Bank creates a Poland-wide network of bank outlets and launches its customer service over the phone and the Internet. The Bank starts co-operation with the biggest commercial chains in Poland in the provision of credit facilities to customers.


On 17 March 1998 the General Meeting of Shareholders of Bank Świętokrzyski adopts a resolution on the increase of its share capital by an issue of shares to be allotted to a strategic investor - LUKAS SA. Consequently, LUKAS SA, a leader in the consumer finance market - becomes one of the Bank"s shareholders. In August the Bank changes its name to LUKAS Bank Świętokrzyski SA.


The instalment loan service is transferred from a trading company LUKAS Sp. z o.o. to a special purpose company S.L. The Company"s service is called the LUKAS Instalment System.


Bank Świętokrzyski SA starts its operating activity. During the first years of its existence, the Bank is a universal financial institution. In May, LUKAS Sp. z o.o. opens a new department dealing with instalment loans in Wrocław. Soon other branches appear across Poland.


Bank Świętokrzyski is established by virtue of Decision No. 66 of the President of the National Bank of Poland issued in consultation with the Minister of Finance. In the same year a trading company LUKAS sp. z o.o. (Polish limited liability company) is established.

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Standard settlement instructions of Credit Agricole Bank Polska S.A.

Bank Swift/BIC Currency

BIC Code of Credit Agricole Bank Polska SA is AGRIPLPR

SSI information for this institution was last provided on 5 th June, 2013


801 700 900

for mobile phones and international calls:
48 71 799 71 99

Available from Monday to Saturday from 8.00 am to 6.00 pm.

To use the service, please prepare your ID number assigned to you in the bank branch and your phone code . You can also speak to a Consultant at any time.

You can obtain the following information over the phone:

  • Account balance
  • History of transactions
  • Fees and commissions
  • Balance of savings
  • Status of payment card
  • Use of e-Bank
  • Other

You can perform the following operations over the phone:

  • Submit payment instructions
  • Set up a standing order
  • Open a term deposit
  • Open a savings account
  • Transfer money to a savings account
  • Top up your mobile phone
  • Change and unlock e-Bank passwords
  • Cancel your debit card
  • Activate your debit card
  • Change your correspondence address
  • Other

Card cancellation is possible 24/7:

  • During business hours through a Consultant
  • Outside business hours through the automatic service, by selecting the cancellation option, entering your ID number, and confirming the operation.
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