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Credit Agricole Bank Polska S.A.


We are a universal bank which is focused on Customers and their needs. Warm and lasting relationships are important for us, and that is why we assist our Customers in achieving their personal and business-related plans.

We offer a wide array of attractive products and services, ranging from daily banking and personal accounts to a whole host of loans, credit cards and savings products. We operate in many business lines, providing assistance to retail customers, small and medium-sized enterprises, large international corporations and the agricultural sector.

We not only offer financial services, but also a wide range of insurance products. This combination allows us to stand out in the market. Customers have easy access to our services, including via electronic banking and an extensive network of branches. Dedicated, professional and friendly advisors are key to our success. Customers greatly appreciate this model of service, which is why we are consistently ranked highly in customer recommendation surveys in Poland. And not only do Customers recommend our services to their friends and acquaintances, but they also transfer their accounts to our bank. Since 2015 we have remained a leader in terms of the number of accounts transferred from other banks via the Ognivo system run by the National Clearing House.

We also have extensive experience in the consumer credit market, making us one of the leaders in that field. Our instalment loans, sold under the CA Raty brand, are available at more than 12,000 points of sale across Poland. We also offer co-branded credit cards in partnership with various retail store chains. Any customer who possesses our debit or credit card can enjoy discounts of up to 55 per cent all year round. Credit Agricole’s Discount Club is the biggest discount programme in Poland with 3,000 brands in 10,000 locations across the country.

We are part of Credit Agricole, one of the biggest and most stable financial groups in Europe, with a history stretching back over 120 years and built on strong mutual and cooperative roots. Every day we take care of 52 million customers in 50 countries around the world.

About Crédit Agricole Group

A whole bank just for you

Crédit Agricole serves 52 million customers worldwide, with customer focus, accountability and community support, the enduring values that have been its hallmark for 120 years. Led by its 139,000 engaged employees, the bank forges genuine partnerships with its customers.

Thanks to its universal customer-focused banking model – based on close cooperation between its retail banks and its specialised business lines – reaffirmed by its “A whole bank just for you” brand signature, Crédit Agricole helps its customers to realise all their personal and business projects. It does so by offering them an extensive range of services consisting of day-to-day banking, loans, savings products, insurance, asset management, real estate, leasing and factoring, corporate and investment banking, and issuer and investor services.

Crédit Agricole’s corporate social responsibility policy lies at the heart of its identity. This is reflected in its products and services and informs the actions of all its business lines. This commitment is a key factor contributing to overall performance and a powerful innovation driver.

Built on strong cooperative foundations and led by its 9,7 million mutual shareholders and more than 30,000 directors of its Local and Regional Banks, Crédit Agricole’s robust organisational model gives it stability and staying power as a European group open to the wider world.

Crédit Agricole Group extends its leadership year after year. It is the number one provider of financing to the French economy and the number one insurer in France. It is also the leading bancassurer in Europe, the top-ranked European asset manager and the world’s largest green, social and sustainability bonds bookrunner.

Crédit Agricole in Poland.

Governing bodies

Management Board of Credit Agricole Bank Polska S.A.

Piotr Kwiatkowski , President of the Management Board since 17 October 2017
Piotr Kwiatkowski

Piotr Kwiatkowski has been working for Credit Agricole since 2007. Piotr Kwiatkowski is the President of the Management Board of Credit Agricole Bank Polska responsible for Internal Audit Department, Legal Department and Corporate Affairs Office, Compliance Department, Macroeconomic Analysis Department, General Services Department. From 2013 he was Vice-President in charge of, among others, corporate banking, investment banking, capital markets and macroeconomic analyses. Earlier, he was CEO of Credit Agricole Corporate and Investment Bank in Poland. He was also a member of the Supervisory Board of Credit Agricole Bank Polska. He has worked in the banking sector for more than 20 years; during his career he was director of loans office at Bank Handlowy (now Citi Handlowy), he also managed, among other things, the structured and trade finance department and the strategic corporate client segment at Pekao S.A. Mr Kwiatkowski holds Master’s degrees from the Warsaw University of Technology and 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.


Olivier Constantin , First Vice-President, Senior Country Officer CA Polska since 19 September 2015
Olivier Constantin

Olivier Constantin has been active in banking for almost 30 years. He has in-depth expertise both in corporate and retail areas. For last 23 years he has been working for LCL. Formerly this bank was known as Le Crédit Lyonnais and in 2003 it was bought by Crédit Agricole. LCL now serves over 6 million individual customers, professionals, small companies and big companies. Before joining Credit Agricole Bank Polska, Olivier Constantin was a member of the Executive Committe of LCL responsible for corporate banking and wealth management as well as head of retail network for Rhône Alpes Auvergne and East of France regions. These two areas of his responsibility represented over 3000 employees, 1,1 bn euro of Net Banking Income and 40 bn euro of outstanding. Previously he supervised different areas of LCL and Crédit Lyonnais business as development of retail network (individual, professionnal and private banking) or legal issues. He also was a CEO of Crédit Lyonnais Group subsidiary - Themis Bank. Olivier Constantin has a diplomma of Institut Supérieur de Commerce of Bordeaux and Glion Institute of Higher Education in Switzerland.


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.


Jędrzej Marciniak , Vice-President since 1 May 2016
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.


Jean-Bernard Mas , Vice-President of the Management Board since 20 March 2015.
Jean-Bernard Mas

Jean-Bernard Mas has extensive knowledge and experience in banking. He began his professional career at BRED (a bank belonging to the French group Banque Populaire), in the IT & Organization Directorate. He joined Crédit Agricole Group in 1989, and began his work at Caisse Régionale Var. In 2002 he became the Banking Services Director at Caisse Régionale Provence Côte d’Azur, and in 2003 – the Banking & IT Director. He was responsible for the bank’s migration to GIE AMT (shared IT platform for 7 Caisse Régionale banks). In 2009 he became the general director of GIE AMT. A year later he set up and became the head of GIE CA SERVICES, where he was responsible for implementation of NICE. The programme allowed the Group to unify the IT system for 15 million customers and 70 thousand employees of Caisse Régionale banks and to modernize sales and customer relationship management applications. Jean-Bernard Mas holds graduate (in management) and post-graduate degrees from Institut National des Télécommunications.


Richard Paret , Vice-President of the Management Board since 8 April 2016.
Richard Paret

Richard Paret joined Credit Agricole Bank Polska in 2014 as director in charge of the risk area. He has been in banking, working for the Crédit Agricole Group, for 17 years. He started in IT with Crédit Agricole S.A., then he was an auditor and then became the Head of Mission at the General Inspection of the Group (IGL) covering retail banking in France and abroad. In 2007 Richard Paret took on the responsibility for risk management and permanent control at Charente-Périgord Regional Bank, and then he became the regional director in that Regional Bank.
Richard Paret is a telecommunications and network engineer; he graduated from Toulouse University in France.


Bartłomiej Posnow , Member of the Management Board since 17 October 2017
Bartłomiej Posnow

Bartłomiej Posnow has nearly 20 years’ experience in banking and consulting services for financial institutions. In 2015-2017, at Bain & Company, he managed strategy consulting projects for banking sector and private equity clients in Central Europe. Earlier he performed various managerial roles at Polbank EFG and Raiffeisen Bank; he was, among others, bank director and director of retail credit risk management department. During his career he also worked for Citi Bank Handlowy, BNP Paribas, and PwC.


Supervisory Board of Credit Agricole Bank Polska S.A.
  • François Edouard Drion - Chairman of the Supervisory Board
  • Guilhem Nouvel-Alaux - Member of the Supervisory Board
  • Liliana Anam - Member of the Supervisory Board
  • Alfred Janc - Member of the Supervisory Board
  • Elżbieta Jarzeńska-Martin - Member of the Supervisory Board
  • Bernard Pacory - Member of the Supervisory Board
  • Romuald Szeliga - Member of the Supervisory Board
  • Mariusz Wyżycki - Member of the Supervisory Board
  • Jean-Christophe Kiren - Member of the Supervisory Board
Management Board of Credit Agricole Polska SA
  • Olivier Constantin - President of the Management Board
Supervisory Board of Credit Agricole Polska SA
  • Stanislas Ribes - Chairman of the Supervisory Board
  • Benoit Sarraute - Member of the Supervisory Board
  • Jean-Yves Rossignol - Member of the Supervisory Board

Annual reports
















Socially responsible Bank

At Credit Agricole Bank we understand corporate social responsibility (CSR) to mean taking responsibility for how our decisions and actions (products, services, and processes) affect society and the environment by engaging in transparent and ethical behaviour, which:

  • contributes to the sustainable development, health and well-being of society
  • takes into account the expectations of stakeholders
  • complies with all applicable laws and is consistent with international standards of behaviour, and
  • is consistent with the organisation and the way it behaves in relation to others.

Our CSR activities are a crucial part of the company's organisational culture and are founded on our values. The way we understand our CSR activities is influenced by documents such as the Ethics Charter of the Crédit Agricole Group and the Code of Ethics of Credit Agricole Bank Polska S.A. , the FIDES programme which is common to all companies in the CA Group in Poland, the Diversity Charter to which we are a signatory, the ZBP’s (Polish Bank Association’s) Banking Code of Ethics (Rules for Good Banking Practice) and the Canon of Financial Market Good Practices of the Polish Financial Supervision Authority .

In 2018, for the first time ever in the history of the bank, we published a Responsible Business Report, which contained all non-financial data relating to our activities.

CSR Strategy

Our CSR strategic covers 3 strategic goals and 10 priority activities.

The bank’s CSR strategic goals include:

  1. Supporting local communities in meeting sustainable development challenges;
  2. Improving relationships with employees and clients;
  3. Risk management, including non-financial risk.

Below you will find our strategy in the form of an infographic:

Infografika strategii Credit Agricole
A Bank that Cares about Society

Being a company with French roots, Credit Agricole Bank is involved in various events promoting French culture in Poland. We support, inter alia, the Days of French-speaking Countries, organised by the Alliance Française cultural centre. In March 2018, we sponsored a concert by French pop musician Benjamin Piat. This year, we were also partnered with: the FrankoFilm Short Film Festival, the Drameducation series of performances, and Bastille Day celebrations in Wrocław organised by France’s honorary consul in that city.

In addition to supporting French culture, for several years we have been involved in blood donating and bone marrow collection. What is more, we collect plastic bottle caps as part of the "Zdrowo nakręcony bank" charity drive. All proceeds go to the "Potrafię Pomóc" Foundation for disabled children with developmental disabilities. This year, together with other companies in Wrocław, we also initiated a campaign called "Pack the backpack for back2school," which involved collecting school kits for children from Lower Silesian children's homes. In total, we managed to make over 300 kits, which was much appreciated by our employees. In 2017, for the 12th time, bank employees and members of the Board participated in the "Szlachetna Paczka" campaign. The aim of this Christmas initiative is to prepare and hand out parcels to very poor Polish families.

The bank's employees, through volunteering their skills, also support local NGOs during the City’s Volunteering Days and during the Social Leadership Development Academy. Bank workers pass on their knowledge and conduct workshops, thanks to which local activists have the chance to develop soft competences, i.e. those that focus on human behaviour, attitudes and lifestyles, and primarily concern self-management, motivation and interpersonal skills. Every year, we also support the Responsible Business Laboratory, a conference which aims to strengthen the business world’s relationship with NGOs.

In addition to all that, we carry out various philanthropic activities and support financially the Wrocław Care and Education Centre (also as part of the Zaczytani campaign), the Society of Children's Friends, the "To the Rescue of Children with Cancer" Foundation, and the Everest Foundation.

A Bank that Cares about our Green World

Credit Agricole Bank is also involved in many initiatives aimed at protecting the environment. By carrying out such projects, we actively promote pro-environmental attitudes among our employees.

One of our activities to protect the environment was green driving training for bank employees. Our intention was to show that skilful, prudent driving allows one to reduce fuel consumption, greenhouse gas emissions and the number of road accidents, which translates into caring for the environment and real savings. This training was aimed at increasing safety, but also increasing awareness of green driving.

We are also continually reducing our use of resources, including electricity consumption, through the gradual replacing of traditional lighting in bank branches with LED lighting, among other strategies.

In 2014, we also took part in the "Ekoaktywni.com" campaign organised by Rhenus Data Office Polska. This project consists in collecting points for actions supporting bird protection. At the same time, thanks to our participation in the campaign, we supported the activities of the SYNAPSIS Foundation, which benefits autistic children. Due to our high commitment to the campaign (halfway through the year the amount of documents set aside for destruction amounted to 99 percent), in 2016 and 2017 we received the “Bronze Hoopoe” award.

The bank's activities to promote a green attitude also included involvement in the European Week of Sustainable Transport, the aim of which is to popularise alternative and ecological means of travel, ie public transport, cycling and walking, as well as car sharing. Since the second half of 2015, the GO! platform has been used in the bank to record business trips. Through it, employees can sign up for carpooling.

Awards

For its pro-social and pro-ecological activities, Credit Agricole Bank regularly rewarded.

In 2017, 20 good practices of our bank were highlighted in a report titled "Responsible Business in Poland: Good Practices". Among the activities of our bank described in the publication, there were 5 long-term ones and 15 being reported for the first time. New initiatives included: our Academy for the Development of Advisors; Work-life Balance - a programme to foster a balance between work and private life; a programme promoting health coordinated by the Office for Occupational Health and Safety; a Code of Ethical Standards for Business Partners; and “Godomy po slonsku” and “Me godome po kaszebsku” - about Poland’s Silesian and Kaszubian dialects. The good practices of the bank, highlighted by the FOB for years, are: the "Let's Share Knowledge" programme, the Code of Cooperation with internal clients, the Responsible Purchasing Policy, the Code of Ethics of Credit Agricole Bank Polska S.A., and our educational campaign " Bank with Class: All you Need to Know about Banking."

In 2017, we also came 6th at the Crystal level of the 11th Rankings of Responsible Companies compiled by the 'Dziennik Gazeta Prawna' newspaper. This means that we are deemed an active and mature company in terms of CSR activities.

Since 2018 we have been a member of CSR WroClub - a group made up of some of the largest companies in Wrocław which are corporate social responsibility practitioners.

History

2017

In early 2017 Credit Agricole Bank launched a refreshed version of its logo. Our Polacy wybierają Credit Agricole (Poles Choose Credit Agricole) campaign, encouraging people to switch accounts and transfer them to our bank, was the first opportunity to roll out the new logo.

Our economists were recognised as the most versatile economic analysts predicting future trends in Poland. The team, led by Jakub Borowski, won the Macroeconomic Factors Forecasts category, and topped the ranking of the most versatile analysts predicting future developments in 2016.

Credit Agricole achieved the highest score of all banks in Poland in a customer satisfaction survey carried out by TNS Polska. We ranked first in terms of customers’ referrals. Besides that, we were also given a high overall rating, and respondents appreciated the friendliness and expertise demonstrated by our staff in branches and on the infoline, as well as the safety of our electronic banking transactions.

In February we launched our company blog. CAsfera.pl is a portal created by Credit Agricole Bank staff members. We write about finances, careers, hobbies and interests, as well as something we especially appreciate - human relations.

Once again we came first in the consumers’ referrals ranking published by independent institute Millward Brown. In the fourth quarter of 2016 we hit an all-time high on the CRI index: 67.6. We also carried out an image campaign targeting young people. We invited two popular YouTubers, Stuu and Izak, to take part in it.

In early March we launched our Kredyt gotówkowy od eksperta (Cash Loan from an Expert) campaign, with Bank staff members fronting the campaign. Also in March we celebrated the Francophonie Days in Wrocław. It was our thirteenth time as a partner in the event. Furthermore, we launched a new mortgage loan sales process with the possibility of issuing credit decisions in as little as 24 hours.

In March we also received our second Brązowy Dudek (Brown Hoopoe) certificate for participating in a CSR programme organised by Ekoaktywni.com. The Hoopoes are awarded to companies that send the most documents for recycling to the programme organiser. In the same month 10 practices carried out by our Bank were distinguished in the Responsible Business in Poland 2016 report, published by the Responsible Business Forum.

In March the District Court for Wrocław-Fabryczna issued a decision concerning an increase in the share capital of Credit Agricole Bank Polska S.A. to 699,000,000 zlotys. The share capital was paid up in full. Dziennik Gazeta Prawna published its 11th Ranking of Responsible Companies, with our Bank ranking sixth at the “crystal level”, having been classified as an active and CSR-mature company. The Bank’s offering was expanded to include loans granted via the quick e-Sales process to customers running small and medium-sized enterprises.

In June Credit Agricole Bank Polska came first in the 13th customer service quality survey of bank call centres carried out by Instytut Badawczy ARC Rynek i Opinia. Also in June, the 4th Regional Business and Entrepreneurship Fair was held in Ostrów Wielkopolski. Visitors appreciated our presence at the event: we received a prize for the best stand.

In mid-June we merged several IT systems into one. Thanks to those changes we will be able to launch and develop new products and services more quickly.

On 21 June we organised the fourth annual Credit Agricole Day in all our branches in Poland. This is a day when our bank personnel go out to meet customers at special events which are organised for that purpose. A similar event dedicated to the Credit Agricole Raty instalment loan offering was also organised in five Polish cities.

In July, a series of surprise events for our customers all over Poland was awarded a prize, having come third in a competition for the best communication projects run by the Credit Agricole Group, organized at the Paris-held Com 400 conference. We launched the KrEdytka chatbot on Facebook Messenger, and thus became the first bank in Poland to make use of artificial intelligence to serve our Customers.

In August we made Silesian-dialect information leaflets available in branches in Upper Silesia and Opolszczyzna. Service in the Silesian language was also offered to customers in selected branches.

The Credit Agricole Raty offering was awarded the 2017 Golden Quality Leader title in a consumer survey organised by the editorial team of Strefa Gospodarki, which is a supplement in Dziennik Gazeta Prawna . Our Bank was distinguished for tailoring its offering to customer needs, among other things. It also turned out that the Credit Agricole Raty brand was known to as many as 70 percent of respondents, which was the highest score in the survey.

In September the bank’s Wrocław and Warsaw offices received a visit from Philippe Brassac, CEO of the Credit Agricole Group. During his visit Mr Brassac emphasised that Poland remained a very important and promising market for the Group.

In October the composition of the Management Board of the Bank changed. Mr Piotr Kwiatkowski replaced Mr Romuald Szeliga as President of the Management Board, and Mr Bartłomiej Posnow became a new Management Board member. Also in October we launched our Akcja Konsolidacja (Consolidation Action) promotion. As part of the promotion, customers were able to transfer loans taken out with other banks to Credit Agricole for no fee, and repay them in single instalments, lower than before, and obtain additional funds for their current needs at the same time. In the same month, in Kashubia, we made information leaflets available in the Kashubian language, and offered customer service in that language in selected branches.

In mid-November we launched an offer for Ukrainian citizens staying in Poland. At the end of November our commercial spot Szezlong (Chaise Longue), prepared by Just and featuring Karolina Gruszka, received a Kreatura 2017 award. The advert promoted free personal accounts with payment cards and free access to ATMs worldwide, and it was part of a campaign encouraging Poles to switch banks and transfer their accounts to our Bank.


2016

In January Credit Agricole’s Chief Economist, Jakub Borowski, was honoured to be selected as one of the best experts in forecasting FX rates in a ranking published by Rzeczpospolita . We became the first bank in Poland to implement a new, electronic method of signing instalment loan agreements outside branches, involving the use of text messages (with no need to send documents to the bank).

Credit Agricole signed an agreement to participate in BLIK - a system for mobile payments, which is planned to be implemented in early 2018. The range of insurance products offered by our Bank was expanded to include property insurance and personal third party liability insurance.

In February we promoted our Świeża Krew do pierwszej pracy (Fresh Blood: On Your Way to Your First Job) programme in collaboration with vloggers Arlena Witt and the authors of the Matura to Bzdura (The Matura Exam Is Rubbish) channel. The Bank received the Brązowy Dudek (Brown Hoopoe) certificate for participating in a CSR programme organised by Ekoaktywni.com. Also, a consumer survey found that Credit Agricole was the second best bank in Poland in terms of customer referrals.

The Francophonie Days were held in Wrocław. It was our twelfth time as a partner in the event. It was also in March that the biggest job fair in Poland (Career Expo) was organised in Wrocław. Credit Agricole participated in it for the first time. We were also present at the Spring Job Fair organised at the Wrocław University of Technology and the Wrocław University of Economics. In the spring of 2016 we launched another series of events at universities as part of the Świeża Krew do Pierwszej Pracy (Fresh Blood: On Your Way to Your First Job) programme. We visited as many as 10 of the largest university cities.

The Dzielimy się wiedzą (Share the Knowledge) project was included in the ranking of the ten best CSR initiatives in the entire financial sector, which was drawn up by Gazeta Finansowa in March. At the same time, the Responsible Business Forum published a report (‘Responsible Business in Poland 2015’), describing ten of our practices, including ‘Customer Education: Environmental Protection’, ‘Eco-Driving Training’ and ‘Rails for the Disabled in Bank Branches’.

For our customers’ greater convenience we began to offer instalment loans under a single brand ( Credit Agricole Raty ). Before that we had been using three brands, depending on the sales channel ( Credit Agricole Raty for the Internet, LUKAS Finanse for traditional stores and Crédit Agricole for high value loans).

On 8 April the Supervisory Board of our Bank officially appointed Mr Richard Paret and Mr Jędrzej Marciniak as Vice-Presidents of the Management Board. Also in April we launched a competition with financial bonuses for holders of Credit Agricole credit cards. The competition closed in June.

Starting from April, our customers were able to file applications for the 500+ child benefit using our CA24 Online Banking Service. For all parents who intended to regularly save the benefit (in full or in part) we prepared a special offer as part of the Moja Rezerwa Finansowa (My Financial Reserve) Regular Savings Programme, involving a bonus of up to 1,100 zlotys paid by the Bank.

Our team of economists, composed of Jakub Borowski (Chief Economist), Jakub Olipra and Krystian Jaworski, took 1st position in the ranking of macroeconomic factor forecasts carried out by the information agency Reuters.

In late April we launched our mobile application – CA24 Mobile . Our customers can use it to manage their personal accounts and credit cards, and they also have access to savings products.

In May the Crédit Agricole Group announced a new motto: ‘Toute une banque pour vous’ (‘A whole bank just for you’), which reflects our attitude to our customers: putting them and their needs first, demonstrating our commitment to ensuring that their needs are satisfied and our availability around the clock. In the same month our brand, Crédit Agricole, was awarded the title of Premium Brand 2016 .

In June we celebrated the third Credit Agricole Day – we ventured out of our branches to get even closer to our customers. In the same month we ended another school year of our social campaign Bank z klasą. Cała wiedza o bankowości (A Bank with Class: All You Need to Know About Banking). 40 volunteers finished teaching classes to over 1600 pupils in primary schools across Poland.

To celebrate Euro 2016 we offered our customers a Football Deposit, whose interest rate in three periods depended on the number of goals scored by our national football team in each game (only goals that allowed the team to win or draw were taken into account). Later we also added ‘Football Deposit – Quarterfinals’ to our offering, with an interest rate of 3.5%.

As a result of our partnership with Concordia Ubezpieczenia, at the end of June we introduced insurance products for farmers to our offering, including mandatory insurance policies, third party liability insurance, legal expenses insurance, life insurance for borrowers, and property insurance.

In mid-July another insurance product, Pakiet Turystyczny (Travel Insurance), was added to the Bank’s offering. The new insurance product ensures round-the-clock assistance in the event of an unfortunate incident abroad. In July Credit Agricole began to issue Visa Debit and Visa Business Debit cards, linked to business (SME) and AGRI accounts. The number of places in which the new cards are accepted is growing. The cards can also be used for online payments. In August we launched a service for business owners in branches that do not have business customer advisors.

In September the Bank received the BS 10500:2011 certificate, which confirms that the anti-corruption management system adopted by the Bank meets international security standards. The certificate was issued for 3 years. In mid-September we added accident insurance (NNW) for children to our range. On our website we also launched a page for farmers, where individual insurance products and the general terms and conditions of insurance are presented, and where customers can find out where they can buy insurance and how to report insurance claims.

In October our first bank stakeholder panel was held for the representatives of customers, authorities, social organisations, universities and business. One of the purposes of the panel was to gather opinions and learn about expectations towards the Bank with regard to its social role.

In November we sponsored an art project called ‘Lille meets Wrocław’. On our Facebook fanpage we published our first photo taken with the use of 360 degree technology. Even though Facebook had offered this possibility back in June, no other Polish bank had done it before us. In the same month we adopted the Code of Ethical Advertising. When preparing it, we focused on the needs of the recipients of our communications, and not just on banking procedures.

Two pilot branches, outfitted based on the opinions and comments of customers and bank personnel, were opened in Ruda Śląska and Kielce.

December began with two events: Credit Agricole’s Mastercard Credit Card Day and Credit Agricole Bank’s Open Day. Also in December we started our referrals programme ‘PoleCAm Biznes’ ( I Recommend Programme for Businesses). Customers who use our products for small and medium-sized enterprises can get a bonus of up to 300 zlotys for recommending those products to those they do business with. December was also the month when the results of the 14th bank contact centres survey, carried out by Instytut Badawczy ARC Rynek i Opinia, were announced. We came third in the overall ranking and our product knowledge proved to be the best.

We took part in the Szlachetna Paczka (Noble Pack) charity event for the eleventh time. We prepared over 80 packages for the 16th edition. At the end of the year we also organised the first three surprise events for customers in Malbork, Warsaw and Wrocław. We wish to enhance positive emotions through such events, and get even closer to our customers, building our mutual relationship.


2015

The Bank started 2015 with new promotions for Customers. Yet again a special offer was launched for Customers taking out instalment loans thanks to which one could get 10% of the loan instalment value back. The Bank also started a cash loan campaign, under which every PLN 1,000 cost the Customer as little as PLN 10. Also in January Credit Agricole offered deposits for funds from subsidy “Lokaty pod dopłaty” to its AGRI Customers, with an interest rate up to 4%. Under this product Credit Agricole let farmers close the deposit any time without losing interest or bearing additional costs.

Thinking about all those going for winter holiday and fans of skiing going abroad the bank prepared a promotion concerning cash withdrawal from ATMs all over the world without any commission. The Bank’s customers enjoyed free cash withdrawal until 1 March.

The beginning of the year was the time of ambitious plans for the Bank’s volunteers who began preparatory works in order to carry out 15 projects financed under the Bank’s grant programme. During the year volunteers got involved among other things in helping dogs in shelters, in rehabilitation of a 6-year-old girl and in organizing winter holidays for children coming from disadvantaged families.

Also in January the Bank adopted the Corporate Governance Rules for Supervised Institutions issued by the Polish Financial Supervision Authority (KNF). The Corporate Governance Rules define the internal and external relations of the Bank, including relations with the Bank’s shareholders and customers, organization of the Bank, the functioning of the Bank’s internal supervision and key internal systems and functions, as well as the Bank’s governing bodies and principles of their cooperation.

Towards the end of January the Bank launched the first property insurance product in the individual model: accident insurance Pakiet na Wypadki and assistance insurance Multipakiet Maxi. The sale of insurance products in the individual model means that one must hold a Certificate of Person Performing Agency Activities (OWCA Certificate) to be able to sell such products. At the same time the Bank completed its property insurance offer, which was part of the adopted bancassurance strategy involving making banking and insurance products available ‘under one roof’ at Credit Agricole.

February saw the launch of our cash loan TV campaign with Juliette Binoche, who also encouraged customers to open accounts at Credit Agricole later on.

Also in February we learnt that Jakub Borowski (Credit Agricole’s Chief Analyst) had been the most commonly cited bank economist in Poland in 2014. In that year his comments were published as many as 657 times in the media.

In March the Bank was promoting French culture in Wrocław during the Francophonic Days. It was the eleventh time that the Bank offered its support for this festival.

Credit Agricole presented its offering to farmers at the AGROTECH Agricultural Machinery Show in Kielce, where it presented financial solutions for agriculture: from Agricole account to investment loans and savings. March also saw the beginning of another edition of the ‘Are You Ready for PLN 1000?’ accounts campaign, which lasted until the end of May. The campaign turned out to be an immense success: over 80 percent of applications for transfer of account from another bank in May were the applications for transfer of an account to Credit Agricole. As many as 7 out of 10 accounts transferred from other banks in H1 2015 were transferred to Credit Agricole.

During the school year the Bank’s volunteers were carrying out the ‘Bank with Class’ programme in primary schools. 65 volunteers were teaching the basics of finances to nearly 2,380 children from 50 schools all over Poland.

In April as many as six corporate social responsibility (CSR) initiatives of the Bank were recognized by the Responsible Business Forum in its ‘Responsible Business in Poland 2014. Good Practices’ report. Among these initiatives were educational projects for local communities, responsible purchasing policy, installing defibrillators and employee volunteering programme.

Also in April the Bank adjusted its operations to Recommendation U issued by the Polish Financial Supervision Authority by selling insurance products in the individual model. In the Golden Banker 2014 competition organized by Bankier.pl, Credit Agricole ranked second and third in the Best Cash Loan (for its SIMPLY-CALCULATED loan) and the Best Loan for Business Undertakings (for its 3x0 Working Capital Loan for Business Undertakings) categories respectively.

In May Credit Agricole launched a promotion of accounts for young customers (I Recommend the 1st Account – Extra), offering customers a bonus of up to PLN 600 for active use of accounts and recommending the account to friends.

In 2015 the Bank focused on the development of the network of partner branches (franchise branches and credit agents). From the beginning of the year the Bank opened 60 new credit agencies. In the past credit agents and partner branches offered cash loans, credit cards and group insurance products only. Since mid-2015 it is possible to open accounts and deposits in partner branches.

In June the Bank celebrated the Credit Agricole Day in all branches in Poland for the second time, offering a lot of attractions to customers. The customers were presented offers containing preferential terms, and they were able to meet with the Bank’s Management Board Members in branches.

In June two employees of the Bank’s Call Center reached the final round of the Telemarketer of the Year competition organized by the Call Center Group of the Polish Marketing Association SMB. The jury had heard 1,064 conversations of call center employees.

In 2015 the Bank also organized another edition of the ‘Fresh Blood. On Your Way to Your First Job’ programme aiming to help young people take the first steps on their professional career paths. The Bank intends to help candidates to reach agreement with potential employers, and to show what the recruitment process looks like in practice. Young people taking part in the programme can test themselves during mock job interviews carried out by experienced recruitment specialists.

In the same month Credit Agricole’s mortgage loan was recognized by the Polish magazine Wprost. Among other things, the jury paid attention to brand awareness, the level of adjustment of the offer to market needs, the transparency of the offer, fees and charges, customer service quality and the loyalty policy.

In July Krystian Jaworski, an economist from the Macroeconomic Analysis Department of Credit Agricole won a competition organized by Obserwator Finansowy, having presented his original ideas for changes to the public finances. In the summer, the Bank once again launched a promotion for customers going abroad: until the end of September they were able to withdraw cash from ATMs all over the world without a fee.

In August the Bank reduced the interest rate for the cash loan to 3 percent. The reduction was supported by an unusual advertising campaign We Reduce the Interest Rate in Grand Style! During the campaign the display windows of Credit Agricole’s branches called passers’-by attention thanks to an original form of outdoor advertising: a black, convex wrecking ball with a red inscription on it, which looked as if it had been a real ball thanks to using a ‘broken glass imitation’ technique.

Phillipe Marié’s nearly six-year term of office as Vice-President of the Management Board and Senior Country Officer of Credit Agricole Bank Polska came to an end in August. In September the position was taken over by Olivier Constantin, who has had nearly 30 years of experience in banking. In September Credit Agricole took part in the activities connected with the European Sustainable Transport Week. The Bank promoted ‘green’ forms of transport (public transport, bikes and walking) among its employees.

In October the Bank launched its offer of EUR, USD and GBP accounts for business customers. Also in October the Bank once again organized the Account Day, which achieved a huge popularity among customers.

2015 was the year of low interest rates, but Credit Agricole offered high interest on deposits to its customers. The Bank’s annual and monthly deposits ranked second and third respectively in the ranking prepared by TotalMoney.pl.

In November the Bank offered the cash loan with a favourable interest (5.9%). In December Credit Agricole ranked second in the Bank Call Centers Survey organized by Instytut Badawczy ARC Rynek i Opinia. The survey assessed the customer service quality in the telephone and e-mail service.

Before Christmas the Bank prepared special offers for its customers in the Credit Agricole Discount Club, allowing them to save a lot on Christmas shopping. Credit Agricole’s cash loan ranked first in the Christmas cash loans ranking prepared by Bankier.pl.

Also in December the Bank was helping the disadvantaged as usual, and took part in the nationwide Noble Pack action for the tenth time. In 2015 the Bank’s employees offered Noble Packs to 25 families all over Poland.


2014

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.


2013

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.


2012

In February Credit Agricole Bank Polska received the Golden Banker statuette, in the third edition of the poll organized by bankier.pl 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.



2011

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.


2010

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.


2009

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.


2008

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.


2007

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.


2006

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


2005

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.


2001-2005

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.


2001

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.


1999-2001

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.


1998

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.


1994

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.


1992

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.


1991

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.

List of correspondent banks

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

Bank Swift/BIC Currency
JP MORGAN CHASE NA, NEW YORKCHASUS33USD
CREDIT AGRICOLE S.A., MONTROUGEAGRIFRPP
VIA CRLYRU2PMSC
RUB
CREDIT AGRICOLE S.A., MONTROUGEAGRIFRPPEUR
NARODOWY BANK POLSKI, WARSZAWANBPLPLPWPLN
WESTPAC BANKING CORPORATION, SYDNEY WPAC AU 2S AUD
DNB BANK ASA, OSLODNBANOKKNOK
SKANDINAWISKA ENSKILDA BANKEN (SEB)ESSESESSSEK
MUFG BANK LTD., TOKYO BOTKJPJTJPY
ING BANK NV, BUDAPESTINGBHUHBHUF
NATIONAL BANK OF CANADA, MONTRÉAL BNDC CA MM INTCAD
DANSKE BANK, COPENHAGENDABADKKKDKK
UBS AG, ZURICHUBSWCHZH80ACHF
CREDIT AGRICOLE SA, MONTROUGE AGRIFRPP
Via RZBCCZPPXXX
CZK
ING BANK NV, BUCHARESTINGBROBURON
CREDIT AGRICOLE SA, MONTROUGE AGRIFRPP
Via MIDLGB22XXX
GBP
CREDIT AGRICOLE SA, MONTROUGE AGRIFRPP
Via TEBUTRIS930
TRY
CREDIT AGRICOLE SA, MONTROUGE AGRIFRPP
Via WPACAU2F
AUD
CREDIT AGRICOLE SA, MONTROUGE AGRIFRPP
Via ROYCCAT2
CAD
CREDIT AGRICOLE SA, MONTROUGE AGRIFRPP
Via BOTKJPJT
JPY

BIC Code of Credit Agricole Bank Polska SA is AGRIPLPR

SSI information for this institution was last provided on 01.12.2018

Rating

Credit Agricole Bank Polska S.A.Moody's Rating
OutlookStable
Bank Deposits Long Term ratingBaa1
Bank Deposits Short Term ratingP-2

Contact

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.

Stopka redakcyjna

© 2018 Credit Agricole Bank Polska S.A. Wszelkie prawa zastrzeżone.
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