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Activities in the institutional client market

thousand institutional clients
As at 31.12.2016

Institutional banking clients

Applying general, financial and business relations criteria, the Bank has divided its institutional clients into the following categories:

At the end of 2016 Bank Pocztowy had the total of 14.9 thousand institutional clients. The housing segment (11.2 thousand clients) is the largest group of institutional clients.

The institutional segment does not include microenterprises, which are included into the retail segment in management reporting of the Bank.

Development of the product offer for institutional clients

The key product in packages tailored to individual needs of institutional client segments is the current account. The Bank offers the following types of current accounts to institutional clients:

As a part of the settlement products development strategy, a new service “Giro Wysyłka” (Giro Transfer) was launched. The service enables transferring cash from Bank offices to over 200 countries.

The Bank offers the following deposit products:

The Bank offers comprehensive settlement services based on the access to Poczta Polska's infrastructure. The services include: managing cash payments made in other banks and handling payments made to the Social Insurance Institution and Tax Offices.

The Bank’s settlement offer includes:

Further, in 2016 the Bank continued relationships with companies offering international cash transfers. The Bank's key competitive advantage is the widest distribution network in Poland, composed of post offices and bank's sales points where customers can collect cash transfers.

The Bank’s credit offer for institutional clients includes in particular:

The treasury offer for institutional clients includes:

In order to improve competitiveness of its offer for institutional clients the following steps have been taken by the Bank:

Credit operations

As at 31 December 2016 the Bank’s credit receivables from institutional clients totaled PLN 699.2 million and were by PLN 11,0% lower than in December 2015.

Source: management information of the Bank. The data present the principal amount only. Default interest, due and undue interest, EIR fees, other prepaid expenses and accrued income, other restricted revenue and interest were not included.

Lower balances of loans granted to institutional clients reported in 2016 resulted from a strategic decision of the Bank to change the credit policy in this respect and reduce financing extended to these client groups. In 2016, like in 2015, the Bank limited its new loans and facilities were granted mainly to its key clients, mainly from the Housing segment (condominiums, housing associations, property managers and social housing associations), holding considerable deposits and using settlement services. The credit policy related to institutional clients was changed to increase the yield on new loans and ensure capital sufficient to grow new loans in the retail segment.

Investment loans had the highest share in the institutional clients portfolio. At the end of 2016 investment loans accounted for 91.1% of the total credit receivables of the Bank due from this customer group.


Gross loans to institutional customers (PLN million)


Gross loans to institutional customers by segment (PLN million)


As at 31 December 2016 deposits of institutional clients amounted to PLN 949.7 million, i.e. by PLN 106.8 million less than at the end of 2015. The decrease in liabilities to this client category resulted from adjusting the level of deposits to liquidity needs of the Bank and limited lending activity, in particular to SMEs.

Source: management information of the Bank. The data present the principal amount only. Interest accrued and EIR-based fees were not included. Deposits without individually negotiated deposits of Poczta Polska.

At the end of December 2016, the balance of cash on current accounts of institutional clients increased to PLN 414.9 million, i.e. it was by 5.6% higher than on 31 December 2015. At the end of 2016 Bank Pocztowy managed 20,3 thousand active current accounts of institutional clients, i.e. the number of accounts had not changed much since December 2015.

In 2016 the Bank was less active in acquiring individually negotiated deposits with high interest rates, because the portfolio of highly stable deposits of individuals had been growing. Consequently, the balance of term deposits amounted to PLN 308.7 million and was by PLN 125.7 million lower than at the end of December 2015.

At the end of 2016 the total balance deposited on saving accounts decreased by PLN 2.9 million to PLN 226.1 million.


Deposits of institutional customers (PLN million)


Deposits of institutional customers by segment (PLN million)

Housing institutions where those to deposit the highest amount at the Bank. In December 2016 the value of deposits in the housing segment reached PLN 600.5 million and constituted 63.2% of the total deposits of institutional clients. Deposits of SMEs were also considerable and amounted to PLN 172.4 million, i.e. accounted for 18.1% of the total deposits of institutional clients.