Braniewsko-Pasłęcki Bank Spółdzielczy z siedzibą w Pasłęku

Braniewsko-Pasłęcki Bank Spółdzielczy z siedzibą w Pasłęku is a Polish cooperative bank headquartered in Pasłęk that operates locally in the Warmian-Masurian voivodeship. It is owned by its members and managed by a management board under the oversight of a supervisory board, functions within the domestic cooperative banking framework, and is supervised by the Polish Financial Supervision Authority (KNF). Deposits are protected by the Bank Guarantee Fund (BFG) up to the PLN equivalent of EUR 100,000 per depositor, per bank. The bank provides standard cooperative-banking products for individuals, farmers, and small businesses, including current and savings accounts, term deposits, domestic payments, debit cards, internet and mobile banking access, and a range of credit facilities such as consumer loans, mortgages, and working-capital and investment loans for enterprises, with financing for agriculture available in line with sector programs where applicable. Payment capabilities typically include Elixir domestic transfers, standing orders, and direct debits; euro transfers are handled via SEPA, and other cross-border transfers may be executed through correspondent arrangements. The institution applies strong customer authentication and supports PSD2-compliant access for licensed third parties; card transactions are protected with industry-standard security such as 3-D Secure. Pricing is published in a tariff of fees and charges and interest rate schedules that are subject to change; key documents, including regulations and product sheets, outline costs, eligibility, and early-repayment terms. Operations are branch-centric with a regional footprint, customer service is provided in Polish, and complaints are handled under statutory timelines (generally 30 days, or 60 days in complex cases) with possible escalation to the Financial Ombudsman. On the risk side, the balance sheet reflects a geographically concentrated client base of households, micro firms, SMEs, and agricultural producers; capital adequacy, liquidity, and reporting follow CRR/CRD and KNF requirements, with selected clearing, liquidity, and IT services provided through the cooperative sector’s associating-bank infrastructure.