LOANS OF PLN 1 BILLION
IN 2015

A record level of granted consumer loans, as well as exceeding
their PLN 2 billion balance

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MODERN INFRASTRUCTURE

Intensive development of the range and the level of advancement in the stationary and internet distribution channels

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EFFECTIVE STRATEGY

Better than the market value of the loan portfolio and above-average interest margin against the background of the business area

GO TO BANK POCZTOWY AGAINST THE BACKGROUND OF THE BUSINESS AREA

Get to know Bank Pocztowy
STRATEGY AND COMPETITIVE EDGES Bank trusted by customers FINANCIAL RESULTS CORPORATE SOCIAL RESPONSIBILITY

Sławomir Zawadzki
Deputy Chairman of the Management Board acting Chairman of the Management Board
 

PLAY THE SPEECH
Good performance of the Bank confirms that the adopted strategy, based on the strategic partnership with Poczta Polska — our largest shareholder, was the right choice.
We can also list the highest sales of consumer loans in the Bank’s history which exceeded PLN 1 billion, among the largest successes of the previous year.
In 2015, Bank Pocztowy has been servicing almost 1.5 million Customers, and the average balance in the current accounts increased by almost 35%.

STRATEGY AND COMPETITIVE EDGES

Business growths
Number of branches
2015-2018 development strategy
5.5 billion
 
in loans gross +4,1% r/r
2.1 billion
 
in consumer loans +19,9% r/r
328 million
 
income In 2015
1.31 million
 
individual customers As at 31.12.2015
GO TO THE DATA GROUP
178.4 thousand
 
micro-enterprises to which services are provided As at 31.12.2015
195.3 thousand
 
individual customers
and micro-enterprises acquired As at 31.12.2015
909 thousand
 
savings and checking accounts+ 10,7% r/r
1 618
 
permanent
employeesAs at 31.12.2015
GO TO THE DATA GROUP
We provide services
to almost 1.5 million individual customers and micro-enterprises. In 2015, the Bank acquired over 195 thousand new customers.
GO TO SALES NETWORK
Product and services sale network of the Bank consists of:
24 Branches, 1 Department of Bank Pocztowy 260 Micro-branches 558 Post Office Financial Zones
Strategic objectives of Bank Pocztowy:
increase in the number of retail customers to 2.4 million
exceeding the level of PLN 4 billion in consumer loan balance
diversification of the loan portfolio
reduction of the total costs–income ratio to the level under 60%
GO TO STRATEGY

BANK TRUSTED BY CUSTOMERS

Our mission is to provide our Customers with simple and safe financial services at a good price.It means special focus on People based on:

INCREASING THE EFFECTIVENESS OF THE ACTIVITY
SIMPLE
 
simple banking, keep it simple
CAN DO APPROACH
look for solutions and act
CHEAP
 
focus on profits of your clients and the Bank like on our own money
 
EMPLOYESS
— EMPLOYER BRANDING
 
THE RETAIL CUSTOMER
 
THE DEVELOPMENT OF A MICRO-BRANCHES NETWORK
 
THE ACQUISITION OF CUSTOMERS
AND THE STRENGTHENING OF RELATIONS WITH THEM
BANK PROFILE

FINANCIAL RESULTS

TOTAL INCOME
(IN PLN MILLION)
2212010
2582011
2902012
2942013
3322014
3282015
NET PROFIT
(IN PLN MILLION)
14.42010
29.62011
38.92012
36.02013
43.62014
33.92015
BALANCE SHEET TOTAL
(IN PLN MILLION)
4 1572010
5 2162011
7 1212012
7 3832013
7 7192014
7 2132015
TOTAL DEPOSITS
(IN PLN MILLION)
3 7592010
4 6862011
6 3182012
6 2312013
6 4922014
5 7422015
TOTAL LOANS
(IN PLN MILLION)
2 5562010
3 7532011
4 6962012
5 1812013
5 3262014
5 5422015
6.9 %
ROE (net)
0.5 %
ROA (net)
3.6 %
Interest margin
14.4 %
CAR
11.4 %
Tier-1
7.0 %
NPL
96.5 %
Loans/Deposits
66.6 %
C/I
GO TO FINANCIAL RESULTS

CORPORATE SOCIAL RESPONSIBILITY

INVESTING
IN SOCIETY

We are engaged in the implementation of initiatives of local communities, by way of supporting activities related to increasing the awareness of financial issues, as well as the education of children and the youth. We are focused on supporting education, equalization of opportunities and preventing exclusion. We provide financial support to those in need.

DEVELOPMENT OF ENTREPRENEURSHIP

We support initiatives promoting entrepreneurship in Poland, by way of advocating best market practices. We promote projects related to modern economy and among others to e-commerce.

HEALTH
AND SAFETY

We continue to take actions for an active lifestyle and for the promotion of sports, both at a recreational and a professional level.

CUSTOMER
AND EMPLOYESS

We endeavour to get to know our customers, to understand their needs and to meet their needs by providing innovative solutions. We support the development of our employees both with respect to their professional and private life.

INVESTING
IN SOCIETY
DEVELOPMENT OF ENTREPRENEURSHIP
HEALTH
AND SAFETY
CUSTOMER
AND EMPLOYESS

Corporate social responsibility of Bank Pocztowy towards its clients, employees, shareholders, bondholders and the society is an integral part of its operations.

GO TO CSR POLICIES