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Activities of the companies from the Capital Group

Bank Pocztowy Capital Group

No changes in the structure of the Bank Pocztowy Capital Group took place in 2016. Holding 100% of shares in each subsidiary, the Bank carries out its supervisory function through its representatives working and exerting control in supervisory boards of the companies. Operations of the subsidiaries considerably support business operations of the parent.

Companies from the Capital Group hold current accounts and deposit free cash using term deposits in Bank Pocztowy. Related-party transactions are carried out at arm’s length.

Centrum Operacyjne Sp. z o.o.

Centrum Operacyjne was established by the Bank on 20 May 2010 with the share capital of PLN 2 500 thousand. All shares were assumed by Bank Pocztowy. On 1 July 2010 the Shareholders’ Meeting increased the share capital by PLN 783.8 thousand up to PLN 3,283.8 thousand.

The core business of Centrum Operacyjne includes supporting settlement processes of Bank Pocztowy, clients of the Bank Pocztowy Capital Group and Poczta Polska. It carries out its tasks using competencies and experience gained at the Bank. The company manages business processes using specialized tools, which enables it to tailor its approach to support and manage operating processes. For process optimization, Centrum Operacyjne uses modern lean management tools. The processes managed are constantly improved through elimination of bottlenecks. Additionally, the company has implemented the “paperless office” initiative.

As at 31 December 2016, the balance sheet total of Centrum Operacyjne amounted to PLN 4,664.0 thousand. In 2016 the company reported a net profit of PLN 81.4 thousand, as compared to PLN 181.4 thousand reported in 2015.

Spółka Dystrybucyjna Banku Pocztowego Sp. z o.o

Spółka Dystrybucyjna was established by the Bank on 20 May 2010 with the share capital of PLN 2,000 thousand. All shares were assumed by Bank Pocztowy. On 30 September 2011, the Extraordinary Shareholders’ Meeting increased the share capital of the company by PLN 679.8 thousand up to PLN 2,679.8 thousand.

The core business of the company includes the sale of financial products and services, aimed, in particular, at diversifying product and service distribution channels of the Bank and supporting its sales channels. The company’s objective is also to attract new clients not using the Bank's services, e.g. due to a considerable distance from the nearest office.

At the end of 2016 Spółka Dystrybucyjna cooperated with 92 Mobile Relationship Managers, while a year before the Bank’s products had been distributed by 93 RMs.

As at 31 December 2016, the balance sheet total of Spółka Dystrybucyjna amounted to PLN 3,177.0 thousand. In 2016 Spółka Dystrybucyjna incurred a net loss of PLN 101.7 thousand, due to a decrease in the fee income of PLN 1.8 million. In 2015, however, the company generated a net profit of PLN 118.4 thousand.