Question 1

What is Bank Spółdzielczy w Świdnicy?

Accepted Answer

Bank Spółdzielczy w Świdnicy is a Polish cooperative bank serving the Lower Silesian Voivodeship in southwestern Poland. As a credit institution with over 70 years of history, it provides comprehensive banking services to retail customers, businesses, agricultural clients, and local government entities. The bank operates through an extensive network of branches and customer service points throughout the Świdnica region.

Question 2

When was Bank Spółdzielczy w Świdnicy founded?

Accepted Answer

The bank was founded on July 16, 1950, when it was established as Gminna Kasa Spółdzielcza w Świdnicy (Municipal Cooperative Bank in Świdnica). Its original mission focused on helping landless, smallholder, and medium-sized farmers improve their prosperity and culture according to the village economic development plan, while protecting them from usury and capitalist exploitation.

On September 26, 1956, the Gminna Kasa Spółdzielcza was transformed into Kasa Spółdzielcza with a clearly marked self-governing character. On May 10, 1960, the institution was transformed into Bank Spółdzielczy w Świdnicy (Cooperative Bank in Świdnica), aiming to raise the prosperity and culture of its members through operating a joint banking enterprise. Since 1990, the bank has operated with full legal personality as an independent economic entity following the liberalization of Polish banking law.

Question 3

Where is Bank Spółdzielczy w Świdnicy headquartered?

Accepted Answer

The bank is headquartered at ul. Długa 9 in Świdnica, a city in the Lower Silesian Voivodeship in southwestern Poland.

Question 4

Where does Bank Spółdzielczy w Świdnicy operate?

Accepted Answer

The bank operates throughout the Lower Silesian Voivodeship, particularly in counties where its service locations are situated. The bank expanded significantly on January 1, 1999, when it merged with Bank Spółdzielczy in Głuszyca, Bank Spółdzielczy in Marcinowice, and Bank Spółdzielczy in Żarów.

Today, the bank maintains three branches in Głuszyca, Marcinowice, and Żarów. It also operates five cash points in Jaworzyna Śląska, Jedlina Zdrój, Świdnica, Świebodzice, and Walim. Additionally, the bank has four customer service points, including three in Świdnica (ul. Długa and ul. Spółdzielcza) and one in Świebodzice.

Question 5

What services does Bank Spółdzielczy w Świdnicy offer?

Accepted Answer

The bank offers comprehensive banking services for retail and institutional clients. For individual customers, services include personal accounts, savings deposits (both term deposits and a'vista accounts), payment cards, consumer loans, agricultural loans, and borrower insurance.

Business banking services include current accounts for enterprises, loans for working capital and investment purposes, and services for housing cooperatives. The bank also serves local government entities with specialized account services. Digital banking capabilities include internet banking, electronic banking services, and ATM access. Additional services include currency exchange operations and various deposit products.

Question 6

What makes Bank Spółdzielczy w Świdnicy unique?

Accepted Answer

The bank's distinctive feature is its extensive local presence achieved through strategic mergers with three neighboring cooperative banks in 1999, creating a strong regional network. This consolidation allowed the bank to establish a comprehensive service network across multiple towns and municipalities in Lower Silesia.

The bank's extended operating hours, including Saturday availability (8:00-14:00 at the central location), demonstrate its commitment to customer accessibility. As a member of the National Association of Cooperative Banks (Krajowy Związek Banków Spółdzielczych), the bank combines local decision-making with the benefits of national cooperative banking networks.

Question 7

What type of financial institution is Bank Spółdzielczy w Świdnicy?

Accepted Answer

Bank Spółdzielczy w Świdnicy is a cooperative bank (bank spółdzielczy), which is a distinctive type of credit institution in Poland. Cooperative banks operate as cooperative societies (spółdzielnia) under member ownership, focusing on serving local communities while maintaining self-governing principles.

This institution type is regulated by the Polish Financial Supervision Authority (PFSA) and participates in the Polish Bank Guarantee Fund (BFG) deposit guarantee scheme. As a CRD credit institution, it operates under European Banking Authority regulations while maintaining its cooperative structure. The bank is affiliated with Gospodarczy Bank Południowo-Zachodni S.A. in Wrocław, which serves as its associating bank within the cooperative banking sector structure.

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About Bank Spółdzielczy w Świdnicy in Poland

Bank Spółdz­ielczy w Świdnicy