Spółdzielczy Bank Ludowy im.Ks.P.Wawrzyniaka

Spółdzielczy Bank Ludowy im. Ks. P. Wawrzyniaka is a Polish cooperative bank headquartered in Śrem and focused on serving clients in the Wielkopolska region. It operates under the cooperative model, with ownership held by members and governance exercised through member voting, and is supervised by the Komisja Nadzoru Finansowego; deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. The bank provides a range of services typical of Poland’s cooperative sector for retail, small and medium enterprises, and agriculture, including current and savings accounts, term deposits, domestic and international payments, and credit products such as consumer, housing, working-capital, and investment loans, with underwriting and pricing decided locally within regulatory frameworks. Distribution is primarily branch-based, complemented by electronic banking channels, and the geographic footprint is regional rather than nationwide. The institution connects to national payment infrastructures for domestic transfers and card acceptance and processes cross-border transfers in line with Polish standards, often using services provided by an associated cooperative banking network that also supplies shared IT, clearing, and risk-support arrangements, including an institutional protection system recognized by the supervisor. Statutory disclosures, fee schedules, and interest rate tables are published by the bank and updated periodically; account opening and lending require documentation in line with Polish law (e.g., identity credentials for individuals; CEIDG/KRS, NIP, REGON, and corporate documents for businesses), and collateral, pricing, and product availability vary by client segment and local policy. The bank’s operating profile is closely linked to local economic conditions and member relationships, and its service scope and pricing reflect its own tariff and risk appetite rather than a uniform national template.