Credit Agricole Bank Polska S.A.


Business profile

Credit Agricole Bank is a universal bank that focuses on building long-term relationships with customers, providing professional consultancy and friendly customer service. The Bank offers its products and services through all access channels: mobile banking (CA24 mobile application), electronic banking (CA24 website), phone (round-the-clock CA24 call center in Polish, English and French) and a network of over 450 bank branches (own and partner ones) and nearly 350 CA Express credit agents. It is also one of the leaders of consumer finance market. Its instalment loans, sold under CA Raty brand, are available in more than 12,000 points of sale all over Poland. The Bank is strongly committed to responsible financing and corporate social responsibility. It focuses on using digital solutions and technological innovations in its activity. It is the first bank in Poland to have launched the electronic method of signing instalment agreements.

Credit Agricole Bank has a comprehensive offering of banking products and services for retail customers, small and medium businesses, corporations and farmers. The offering includes personal account packages, a constantly developed range of insurance and savings products and services (e.g. CA Saver), investment funds, mortgage and credit cards sold in branches and in retail chains in cooperation with partners. Holders of the bank’s payment cards, thanks to the biggest Discount Club in Poland, may use discounts available in more than 10,000 stores of the bank's 2,900 partners.

Credit Agricole Bank provides services to 2.1 million customers.

As at the end of 2015 it employed almost 5,400 people.

Financial results

2014 was the year of intensive development for Credit Agricole Bank Polska, particularly in the corporate banking area and SME & AGRI segments. The net profit for 2014 was PLN 195.2m, and it was 5.4% higher than in 2013. This growth results from many initiatives that we implemented, which were aimed at increasing revenues on the one hand, and keeping costs under strict control on the other hand. Bank’s administrative costs went up by as little as 2.9%, and the cost of risk increased by 20.2% to PLN 181.1m.

Bank’s own funds taken into consideration for determining the capital adequacy ratio were over PLN 1.98bn, and fully met the capital requirements. The capital adequacy ratio remained at higher levels than required, reaching 12.58% at the end of 2014. Efficiency, expressed as Return On Equity ratio amounted to 10.6% at the end of 2014, whereas the Return On Assets stood at 1.2% (in 2013: 11.3% and 1.4% respectively).

The book value of loans granted to the Bank’s customers was PLN 13.25bn vs. PLN 11.39bn at the end of 2013. This significant growth (by over 16%) was driven by growth in the outstanding balance on corporate loans and the simultaneous growth of consumer and mortgage loans. Loans granted to customers accounted for 71.8% of the Bank’s total assets at the end of 2014.

Deposits placed by customers were the main source of financing for lending activities of Credit Agricole Bank Polska at the end of 2014, and they accounted for 69.3% of the balance sheet total (72.4% in 2013). The value of payables to the Bank’s customers was PLN 12.80bn compared with PLN 11.16bn at the end of 2013.

Results of Crédit Agricole Group companies in Poland

Crédit Agricole Group in Poland operates in many more areas than just banking. Therefore, the Bank has been publishing consolidated results of Crédit Agricole Group’s Polish companies since 2012. In 2014 these companies were: Credit Agricole Bank Polska, Europejski Fundusz Leasingowy, ARC Broker, Credit Agricole Service and LUKAS Finanse. The reason why the Bank publishes results in this way is that it is possible to compare them with those of majority of banking groups operating in the Polish market that publish consolidated results. These groups are composed, for example, of lease companies, investment funds, open pension funds, brokerage houses or factoring companies. In 2014 the aggregate net profit of the aforementioned Crédit Agricole Group companies in Poland was PLN 264.8m, and their balance sheet total was over PLN 25.3bn. The own funds of Crédit Agricole Group in Poland at the end of 2014 amounted to PLN 2.8bn.

Strategy

The main principle of Credit Agricole Bank Polska strategy for 2015-2018 is to continue building a strong universal proximity bank, and to strengthen its position among leaders of the Polish banking sector, maintaining a strong position in the consumer finance market at the same time. The Bank plans to achieve these objectives by gradually increasing the number of active customers and building long-term customer relationships among other things. The relationships are to be based on professional advisory services, offers tailored to individual needs, and friendly customer service.

Since 2001 the French financial group Crédit Agricole, which operates in 50 countries, is the main shareholder of the Bank. The Group provides Credit Agricole Bank Polska with know-how and financial support in achieving the strategic goals.

Credit Agricole Bank Polska Spółka Akcyjna with the registered office in Wrocław,
53-605 Wrocław, pl. Orląt Lwowskich 1
registered in the Register of Business Undertakings of the National Court Register under No. KRS: 0000039887.

Register Court: District Court for Wrocław Fabryczna, 6th Commercial Division of the National Court Register.

NIP (Tax Identification Number): 657-008-22-74.
Share capital: PLN 649,000,000 fully paid.
REGON (business identification number): 290513140.

Credit Agricole Bank Polska is wholly owned by Credit Agricole Polska S.A.

About Crédit Agricole Group

Grupa Crédit Agricole (Grupa CA) jest wiodącym partnerem gospodarki francuskiej i jedną z największych grup bankowych w Europie. Jest liderem bankowości detalicznej w Europie, zajmuje pierwsze miejsce na europejskim rynku zarządzania aktywami, pierwsze miejsce wśród banków oferujących produkty ubezpieczeniowe oraz trzecie miejsce wśród instytucji oferujących finansowanie inwestycji.

Grupa CA, zbudowana na mocnych spółdzielczych podstawach, wspierana przez 140 000 pracowników i 31 150 dyrektorów banków lokalnych i regionalnych, jest bankiem odpowiedzialnym, odpowiadającym na potrzeby 52 mln klientów, 8,8 mln udziałowców organizacji spółdzielczych i 1 mln indywidualnych akcjonariuszy.

Dzięki modelowi bankowości uniwersalnej bliskiej klientowi, którego podstawą jest współpraca pomiędzy bankami detalicznymi i innymi liniami biznesowymi, Grupa CA wspiera swoich klientów w realizacji przedsięwzięć we Francji i na całym świecie w takich obszarach, jak: usługi bankowości codziennej, kredyty, pożyczki hipoteczne i konsumenckie, produkty oszczędnościowe, ubezpieczenia, zarządzanie aktywami, nieruchomości, leasing, faktoring, a także usługi bankowości korporacyjnej i inwestycyjnej.

Grupę CA wyróżnia także jej dynamiczna, innowacyjna polityka społecznej odpowiedzialności biznesu, która przynosi wiele korzyści gospodarce. Podstawą tej polityki jest pragmatyczne podejście, charakterystyczne dla całej Grupy i angażujące wszystkich pracowników.

* źródło CA S.A.

Strategia Grupy Crédit Agricole.

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.


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

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.


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.


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.


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.
Jean-Bernard Mas

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.


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.


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.

Supervisory Board of Credit Agricole Bank Polska S.A.
  • Marc Oppenheim - Chairman of the Supervisory Board
  • Elżbieta Jarzeńska-Martin - Member of the Supervisory Board
  • François Thibault - Member of the Supervisory Board
  • Alfred Janc - Member of the Supervisory Board
  • Raphaël Appert - Member of the Supervisory Board
  • Mariusz Wyżycki - 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
  • François Pinchon - Chairman of the Supervisory Board
  • Agata Figuet - Member of the Supervisory Board
  • Gérard Marchand - Member of the Supervisory Board

Annual reports















Socially responsible Bank

Corporate social responsibility (CSR) is understood at Credit Agricole Bank, in line with the ISO 26000 standard, as the responsibility of the organization for the impacts of its decisions and activities (products, services, processes) on society and the environment through transparent and ethical behaviour that:

  • contributes to sustainable development, the health and welfare of society;
  • takes into account the expectations of stakeholders;
  • is in compliance with applicable law and consistent with international norms of behaviour;
  • is integrated throughout the organization and practised in its relationships.

We see the CSR as an integral part of each area of our operations, a future- and customer-oriented process that helps us to differentiate ourselves from our competitors in the market.

The CSR is an integral part of our organizational culture, and our CSR activities are founded on our values: credibility, accessibility, professionalism and friendliness, on the Code of Ethics of Credit Agricole Bank Polska , the Crédit Agricole Ethics Charter , the FIDES Programme shared by all companies of the CA Group in Poland , the Code of Banking Ethics (Principles of Good Banking Practice) of the Polish Bank Association (ZBP) and the Canons of Good Practice for the Financial Market issued by the Polish Financial Supervision Authority (KNF).

CSR STRATEGY

The Bank’s CSR strategy comprises three strategic goals and ten priority activities.

The Bank’s three strategic CSR goals are:

  1. to support local communities in responding to sustainable development challenges;
  2. to enhance relationships with employees and customers;
  3. to manage risk, including non-financial risk.

Our strategy is illustrated by the infographic below:

Infografika strategii Credit Agricole
Social responsibility of the Bank

In line with recommendations from the National Bank of Poland and the Polish Financial Supervision Authority, Credit Agricole Bank develops finance and economics education. 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; finance-related 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. Classes are conducted in schools, one in a bank branch. The teaching programme consists of 14 lessons. So far, more than a hundred employees have taken part in the campaign as volunteer teachers; they taught a total of five thousand children in nearly ninety schools.

In addition to teaching finance to children we also support schools of higher education. We cooperate with the University of Economics in Wrocław (UE) and the University of Environmental and Life Sciences in Wrocław (UP) The main objective is to foster closer cooperation between business and universities and joint initiatives to the benefit of all the parties. In 2015 the bank supported the renovation of a lecture hall of the UE and the organization of a charity concert at the UP. The bank’s philanthropic activities include providing financial support to the Children’s Friends Association, the Opieka i Troska (Interest and Care) Foundation and the Na Ratunek Dzieciom z Chorobą Nowotworową (To the Rescue of Children with Cancer) Foundation.

In addition to supporting local charity initiatives, Credit Agricole Bank, as a company with its roots in France, gets involved in various events promoting French culture in Poland, including, among others, the Francophonic Days organized by Alliance Française. In March 2016, we sponsored concerts by Arno Santamaria and Nicom. It has already become a tradition that we support 14 July French National Day celebrations organized by the honorary consul of France in Wrocław and activities of the Ma France à Wrocław and International Friends of Wroclaw associations.

Another programme through which we get involved in the life of our local communities and support local initiatives is the I Act Cause I Like It employee volunteering programme, which includes a grant programme. The grant programme is an initiative offering financial support for employees’ volunteering projects. So far, there have been four editions of the programme during which our staff carried out 61 such projects.

Each year, the bank’s staff also support local non-governmental organizations by sharing knowledge with them during Wrocław Volunteer Days organized at the initiative of the Wrocław Volunteering Centre. Thanks to trainings conducted by the bank’s staff, people involved in local volunteering can develop soft skills, i.e. behaviours, attitudes and lifestyles that are important, first of all, for self-management, motivation and interpersonal relations.

The bank also gets involved in numerous initiatives promoting pro-social attitudes among its staff, such as, among others, the Bank With a Charitable Twist initiative consisting in collecting plastic caps. The money raised from the sale of the caps has been donated to the "Potrafię pomóc" (I can help) Foundation for children with developmental disabilities. In 2015 the bank’s staff also took part, for the tenth time, in the Noble Pack campaign organized by the WIOSNA (Spring) Association from Kraków. The goal of this Christmas initiative is to prepare and deliver Christmas gift packs to the most needy families in Poland. Last year, the bank’s staff and Management Board members supported 25 families..

In line with its universal proximity bank philosophy, the bank also participates in various trade events. It partnered, among others, the 13th Milk Cooperatives Forum (one of the biggest events of the milk sector), the Country Risk Conference (a meeting devoted, among others, to risks involved in global commercial transactions), and the Polish Food Export Forum (a conference presenting trends in exports and markets with good growth prospects for the food industry). The bank also supported the Breeder of the Year competition and the organization of VAT workshops for farmers organized by "TopAgrar" magazine.

Bank for a greener world

Credit Agricole Bank also gets involved in numerous environmental protection initiatives. By carrying out such projects, the bank actively promotes pro-environmental attitudes among its staff.

One of pro-environmental initiatives of the bank has been ecodriving training for its staff. The idea behind it was to show that ecodriving helps to reduce fuel consumption, greenhouse gas emissions, and the number of car accidents, which translates into substantial savings and protects the environment. The training was aimed to improve safety and also to raise awareness of ecodriving.

The bank also reduced energy consumption by more than 30 percent compared to previous years, mainly thanks to the replacement of traditional lighting in some of its branches with LED light bulbs.

Ekoaktywni.com Following up on the steps taken in mid-2014 regarding the segregation of documents for destruction, the Bank joined the "Ekoaktywni.com" campaign organized by Rhenus Data Office Polska Sp. z o.o. Participants in the campaign collect points which are then used to support bird protection. Thanks to participating in the "Ekoaktywni.com" initiative, we also supported the activities of the SYNAPSIS foundation for autistic people. In recognition of our commitment to the campaign (in mid-2015, 99 percent of documents to be destroyed were segregated), in 2016 the Bank has been granted the "Brązowy Dudek" [Brown Hoopoe] award.

The Bank’s activities promoting environmentally-friendly behaviours also include its participation in the European Mobility Week, the objective of which is to promote alternative and ecological means of transport i.e. public transport, cycling, walking, and carpooling. In the second half of 2015, the bank launched the GO! business travel platform, to be used by staff, among others, for arranging carpooling for business trips.

Awards

We have received numerous awards for our pro-social and pro-environment activities. In addition to the Brązowy Dudek award mentioned above, in 2013, the Bank with Class. All You Need to Know About Banking campaign won the first prize in the Banking World Leaders competition in the CSR category. Competition 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 Code of Cooperation, Responsible Purchasing Policy, training in ergonomics and first aid for staff and installing defibrillators, the bank staff's involvement as volunteers in the Christmas Food Collection, and our cooperation with the University of Economics in Wrocław, that have won recognition in this year’s edition of the "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, the Green Week initiative, the I Act Cause I Like It employee volunteering programme, the Centre for Active People campaign, and the Share the Knowledge programme.

In 2012, in addition to the fact that our good CSR practices were described in the Responsible Business report, we also won recognition in the sixth edition of the Socially Responsible Companies ranking of "Dziennik Gazeta Prawna" daily. On several occasions we were also ranked highly by "Gazeta Finansowa" weekly. This year, our Share the Knowledge project has been ranked in the financial sector’s top 10 CSR initiatives.

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 the promotion of culture among our staff.

CSR CONTACT:

Izabela Mościcka
Communications and Corporate Social Responsibility Department Director
Tel. (71) 377 85 14
imoscicka@credit-agricole.pl

Ewa Deperas-Jarczewska
Senior Specialist
Tel. (71) 377 79 34
edeperas@credit-agricole.pl

***
We kindly request you to send sponsorship proposals to pr@credit-agricole.pl . Please be advised that we respond to selected proposals only. The bank’s sponsorship focuses primarily on projects promoting French culture and financial education, in particular for children.

History

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 YORK CHASUS33 USD
ING BANK ŚLĄSKI SA, KATOWICE INGBPLPW RUB
CREDIT AGRICOLE S.A., MONTROUGE AGRIFRPP EUR
NARODOWY BANK POLSKI, WARSZAWA NBPLPLPW PLN
HSBC BANK, LONDON MIDLGB22 GBP
BANQUE NATIONALE DU CANADA BNDCCAMMINT CAD
DNB BANK ASA, OSLO DNBANOKK NOK
SKANDINAWISKA ENSKILDA BANKEN (SEB) ESSESESS SEK
BANK OF TOKYO-MITSUBISHI BOTKJPJT JPY
ING BANK NV, BUDAPEST INGBHUHB HUF
WESTPAC BANKING CORPORATION WPACAU2S AUD
DANSKE BANK, COPENHAGEN DABADKKK DKK
UBS AG, ZURICH UBSWCHZH80A CHF
CITIBANK EUROPE, PLC, PRAGUE CITICZPX CZK
ING BANK AS, ISTAMBUL INGBTRIS TRY
ING BANK NV, BUCHAREST INGBROBU RON

BIC Code of Credit Agricole Bank Polska SA is AGRIPLPR

SSI information for this institution was last provided on 3 rd June, 2015

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.
© 2016 Credit Agricole Bank Polska S.A. Wszelkie prawa zastrzeżone.

Oferta Banku Menu