Question 1

What is Bank Spółdzielczy w Działdowie?

Accepted Answer

Bank Spółdzielczy w Działdowie is a cooperative bank headquartered in Lidzbark, Poland, operating in the Warmia-Masuria region. Despite its name referencing Działdowo, the bank relocated its headquarters to Lidzbark. It is a member of the Spółdzielcza Grupa Bankowa (SGB), one of Poland's two major cooperative banking networks comprising 175 cooperative banks across the country.

As a cooperative financial institution, the bank serves local communities with a focus on retail banking, business services, and agricultural financing. It operates with approximately 41 employees across its headquarters and branch network.

Question 2

When was Bank Spółdzielczy w Działdowie founded?

Accepted Answer

The bank was registered with the National Court Register on October 7, 2002, with the registration number KRS 0000132733. However, like many Polish cooperative banks, its roots may extend further back, as Poland's cooperative banking movement has operated for over a century.

The bank received its authorization from the Polish Financial Supervision Authority on November 29, 2019, reflecting compliance with modern European banking regulations.

Question 3

Where is Bank Spółdzielczy w Działdowie headquartered?

Accepted Answer

The bank is headquartered in Lidzbark, a town in the Warmian-Masurian Voivodeship in northern Poland. The head office is located at ul. Nowy Rynek 18, 13-230 Lidzbark. Lidzbark is situated in Działdowo County, approximately 25 kilometers west of Działdowo and 74 kilometers southwest of the regional capital Olsztyn.

The town of Lidzbark lies on the Wel river and Lake Lidzbark, serving as a local economic and cultural center in the Warmia-Masuria region.

Question 4

Where does Bank Spółdzielczy w Działdowie operate?

Accepted Answer

The bank operates primarily in the Działdowo County area, where its headquarters is located, and in Żuromin County, where it historically maintained banking facilities. According to its statute, the bank also serves customers in several neighboring counties including Nowe Miasto Lubawski, Iława, Ostróda, Nidzica, Brodnica, Rypin, Sierpc, Płońsk, and Mława counties.

The bank maintains four physical locations: its headquarters in Lidzbark and three branch offices in Działdowo (at Pl. A. Mickiewicza 1), Rybno (at ul. Wyzwolenia 38), and Lubowidz (at ul. Jana Pawła II 53). All locations provide 24-hour ATM access.

Question 5

What services does Bank Spółdzielczy w Działdowie offer?

Accepted Answer

The bank offers a comprehensive range of banking services tailored to individual customers, businesses, and agricultural clients:

Individual Customers: personal loans, overdraft facilities for current account holders, mortgage loans, consolidation loans, and residential mortgages.

Business Customers: loans for housing cooperatives, investment loans, working capital loans, overdraft facilities, business current accounts, and accounts for housing cooperatives.

Agricultural Clients: investment loans for farmers, working capital loans, agricultural current accounts, preferential loans, fertilizer credit (Unikredit Nawozowy), and EU Rural Development Program financing (Unikredit PROW 2014-2020).

The bank provides online banking services through its website at www.bsdzialdowo.pl and participates in the SGB Mobile banking platform. All branches maintain consistent operating hours from Monday to Friday, 8:00-15:30, with some extended hours for specific services.

Question 6

What makes Bank Spółdzielczy w Działdowo unique?

Accepted Answer

As a cooperative bank, Bank Spółdzielczy w Działdowie operates on cooperative principles, prioritizing member and community benefit over profit maximization. The bank is owned by its members through a cooperative structure, creating a local, democratic banking model.

The bank is a member of the Spółdzielczy System Ochrony SGB (SGB Cooperative Protection System), which provides additional stability and risk-sharing among member banks. It participates in Poland's deposit guarantee scheme (Bankowy Fundusz Gwarancyjny - BFG), protecting deposits up to €100,000 per depositor.

The bank maintains a strong focus on agricultural financing, offering specialized products like preferential EU-backed agricultural loans and fertilizer credit programs. This agricultural emphasis reflects the rural character of the Warmia-Masuria region it serves. The bank's membership in SGB provides access to modern banking technology, consortium lending capabilities, leasing services through SGB Leasing, and factoring services through SGB Faktoring.

Question 7

What type of financial institution is Bank Spółdzielczy w Działdowo?

Accepted Answer

Bank Spółdzielczy w Działdowie is classified as a credit institution (CRDCREINS) under European Banking Authority regulations. In the Polish banking system, it operates as a bank spółdzielczy (cooperative bank), a distinct category of financial institution with deep historical roots in Poland.

Cooperative banks in Poland are member-owned financial cooperatives that operate under the Cooperative Law, Banking Law, and the Law on the Functioning of Cooperative Banks. Unlike commercial banks, cooperative banks are organized as cooperatives (spółdzielnia), maintaining a democratic governance structure where members have voting rights regardless of their financial stake.

The bank is supervised by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego - PFSA) and operates within the SGB Group structure, with SGB-Bank S.A. in Poznań serving as the central associating bank. This dual structure provides local autonomy while ensuring access to larger banking infrastructure and capital resources.

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Bank Spółdz­ielczy w Działdowie