Question 1

What is Bank Spółdzielczy Oborniki Śląskie?

Accepted Answer

Bank Spółdzielczy Oborniki Śląskie is a cooperative bank based in Oborniki Śląskie, Poland. It serves local communities in the Lower Silesian Voivodeship, focusing on retail banking for individuals, agricultural businesses, small and medium enterprises, and local government units.

The bank is a member of the BPS Group (Bank Polskiej Spółdzielczości), Poland's largest cooperative banking network comprising 307 cooperative banks with over 2,300 branches nationwide. As part of this network, it benefits from shared technology infrastructure, risk management systems, and an institutional protection scheme.

Question 2

When was Bank Spółdzielczy Oborniki Śląskie founded?

Accepted Answer

The bank's history began on July 2, 1950, when the founding assembly protocol was drafted for a cooperative called "Gminna Kasa Spółdzielcza w Obornikach Śl" (Municipal Cooperative Bank in Oborniki Śląskie).

On July 12, 1950, Bank Rolny Oddział Wojewódzki in Wrocław issued permission to establish the Gminna Kasa Spółdzielcza, and official registration occurred on July 31, 1950, by the Regional Court in Wrocław under number RS/III-351. The original purpose, as stated in the statute, was to "help raise the prosperity and culture of landless, small-scale, and medium-scale farmers, in accordance with plans for the economic development of the countryside."

In its early years, the bank's operations were severely limited. After 1956, following changes in agricultural policy, the institution could offer loans from its own funds in a somewhat expanded form. In 1957, it was renamed Spółdzielnia Oszczędnościowo-Pożyczkowa (Savings and Loan Cooperative) following banking reform.

The name "Bank Spółdzielczy w Obornikach Śląskich" was officially registered on May 10, 1961. Through the decades, the bank expanded its operations, acquiring branches in Prusice (1973) and later merging with cooperative banks in Brzeg Dolny and Prusice (January 1, 1999) to strengthen its capital position in accordance with new banking regulations.

Question 3

Where is Bank Spółdzielczy Oborniki Śląskie headquartered?

Accepted Answer

The bank is headquartered in Oborniki Śląskie, a town in the Lower Silesian Voivodeship of southwestern Poland. The main office is located at ul. Władysława Orkana 4, 55-120 Oborniki Śląskie.

Question 4

Where does Bank Spółdzielczy Oborniki Śląskie operate?

Accepted Answer

Bank Spółdzielczy Oborniki Śląskie operates primarily in the Lower Silesian Voivodeship (województwo dolnośląskie) and the Rawicz district of the Greater Poland Voivodeship (województwo wielkopolskie).

The bank maintains a network of branches and service points including:
• Main headquarters in Oborniki Śląskie
• Branch in Brzeg Dolny (ul. Kolejowa 8, 56-120 Brzeg Dolny)
• Branch in Prusice (ul. Żmigrodzka 19, 55-110 Prusice)
• Service point in Wołów (pl. Piastowski 2, 56-100 Wołów)
• One additional branch and six cash service points across the region

Question 5

What services does Bank Spółdzielczy Oborniki Śląskie offer?

Accepted Answer

Bank Spółdzielczy Oborniki Śląskie provides comprehensive banking services tailored to local communities:

Retail Banking:
• Current accounts and savings accounts
• Time deposit accounts
• Consumer loans and mortgage financing
• Payment cards with contactless technology

Business Banking:
• Business accounts for SMEs and agricultural enterprises
• Commercial lending and agricultural credit
• Services for local government units

Digital Banking:
• BPS Mobile app for iOS and Android with BLIK mobile payments, instant transfers, biometric authentication, and 24/7 account access
• BS Oborniki Śl. - Nasz Bank mobile application
• Online banking platform (e25 system) for account management, transfers, and standing orders
• Push notifications for transactions

Additional Services:
• BLIK contactless payments in stores and online
• Foreign currency transfers
• Credit card management and limit adjustments
• ATM network access through BPS Group (2,200+ ATMs nationwide)

Question 6

What makes Bank Spółdzielczy Oborniki Śląskie unique?

Accepted Answer

Local Community Focus: The bank has served the same local communities for over 70 years, maintaining deep roots in agricultural and rural development. Its mission emphasizes proximity to local communities and tailored solutions for smaller towns.

BPS Group Membership: As part of Poland's largest cooperative banking network, the bank offers technology and services comparable to major commercial banks while maintaining its cooperative, community-oriented structure.

Institutional Protection Scheme: Beyond standard deposit insurance from the Bank Guarantee Fund (BFG), deposits benefit from an additional layer of protection through the BPS Association Protection System (System Ochrony Zrzeszenia BPS), where member banks provide mutual liquidity and solvency support.

Agricultural Expertise: The bank has specialized in serving agricultural businesses since its founding, including managing agricultural production records for pension purposes and providing agricultural credit facilities.

Question 7

What type of financial institution is Bank Spółdzielczy Oborniki Śląskie?

Accepted Answer

Bank Spółdzielczy Oborniki Śląskie is a credit institution (Polish: bank spółdzielczy) regulated by the European Banking Authority and classified as CRDCREINS (Credit Institutions Directive - Credit Institution).

In the Polish banking system, cooperative banks (banki spółdzielcze) are mutual financial institutions owned by their members and governed by cooperative principles. They are supervised by the Polish Financial Supervision Authority (PFSA/KNF) and participate in the Polish deposit guarantee scheme (PL_BFG - Bankowy Fundusz Gwarancyjny), which protects deposits up to 100,000 EUR per depositor.

Cooperative banks in Poland focus on serving local communities, agricultural sectors, and small businesses, operating under the Banking Law of 1997 and the Cooperative Law. As a universal bank within the cooperative sector, Bank Spółdzielczy Oborniki Śląskie can offer a full range of banking products while maintaining its cooperative ownership structure.

Bank Spółdzielczy Oborniki Śląskie

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About Bank Spółdzielczy Oborniki Śląskie in Poland

Bank Spółdz­ielczy Oborniki Śląskie