What is the main business of Spółdzielnia Krakowski Bank Spółdzielczy?

The main business activity of the cooperative focuses on other monetary intermediation.

When was the cooperative founded?

The cooperative was registered in the Polish National Court Register (KRS) on February 21, 2002.

Where is the headquarters located?

The headquarters is located at: Rynek Kleparski 8, 31-150 Kraków.

What period do the latest financial data cover?

The latest available financial statement covers the period from January 1, 2025 to December 31, 2025.

What revenue was generated?

The cooperative reported a revenue of USD 98,163,286 in 2025, which is an increase of 3.9% compared to 2024.

Yes, in 2025 the cooperative was profitable, achieving a net profit of USD 14,450,800, meaning the cooperative decreased its profit by 7.6%.

Krakowski Bank SpółdzielczyCooperative

Q: Who is on the management board?

The management board consists of: Adam Piotr Frej (Vice President of the Management Board), Halina Urszula Marć (Vice President of the Management Board), Mariusz Krzysztof Kumorek (Vice President of the Management Board), Piotr Piłat (President of the Management Board), and Rafał Szafirski (Vice President of the Management Board).

Accepting deposits repayable on demand or at a specified date and keeping accounts for such deposits; granting credits and cash loans to natural persons, legal persons and organisational entities without legal personality, provided they have legal capacity, residing, having their registered office or conducting business within the area of operation of the Krakow Cooperative Bank

KRS: NIP: REGON:

Overview

Status

Active

Registry date

2002-02-21

Activity description

Krakowski Bank Spółdzielczy offers personal current and savings accounts, online banking and a mobile app. It provides businesses and farmers with loans, insurance, leasing and factoring.

Registered address

Rynek Kleparski 8, 31-150 Kraków, Poland

Website

kbsbank.com.pl

Phone

Electronic delivery address

AE:PL-51785-84568-EDGRR-27

Financials

Revenue history (in m)

Filing timeliness

Financial statements were filed on time, on average 35 days early. All were audited by a statutory auditor.

202526/06/2026
202407/07/2025
202308/07/2024
202207/07/2023
202114/06/2022
202002/06/2021

Filed on timeDelayFiling deadline

Data and insights are generated automatically from financial statements – they may contain errors and are neither a credit assessment nor business advice.

Statistics

How the company ranks by revenue within its industry, region and across Poland in 2025.

Results vs voivodeship

Revenue

This companyUSD 98.16mMedianUSD 167.93kAverageUSD 3.47m

Net profit

This companyUSD 14.45mMedianUSD 3.96kAverageUSD 207.72k

Operating costs

This companyUSD 31.43mMedianUSD 141.71kAverageUSD 3.14m

Assets

This companyUSD 1.51bnMedianUSD 156.75kAverageUSD 3.54m

Industry

Accepting deposits repayable on demand or at a specified date and keeping accounts for such deposits; granting credits and cash loans to natural persons, legal persons and organisational entities without legal personality, provided they have legal capacity, residing, having their registered office or conducting business within the area of operation of the Krakow Cooperative Bank (64.19.Z)Primary
Provision of the following financial services: factoring and leasing (64.91.Z)
Within the limits prescribed by the Banking Law, subscription for or acquisition of shares and rights attached to shares, holdings in another legal person, and units in investment funds (64.99.Z)

Offer

Foreign currency accounts
Foreign currency transfers
SEPA transfers
Currency exchange purchase
Currency exchange sale

Website technology

Analytics and marketing

Google Analytics
Google Tag Manager
Meta Pixel

Public procurement

18 tenders recorded as contractor: 14 national ($1,660,178) and 4 EU ($2,609,755).

Publication date	Subject	Amount	Contracting authority
Jul 31, 2026	Comprehensive banking services for the budget of Gmina Brzesko and its organisational units for the period from 01.08.2026 to 31.07.2029	$50,200$50,200	Gmina Brzesko
Dec 11, 2025	Granting of a long-term loan	$683.2K$683,197	Gmina Szczurowa
Apr 3, 2025	Comprehensive banking services for the budget of Gmina Borzęcin, its organizational units and Gminny Ośrodek Kultury w Borzęcinie from 7 April 2025 to 6 April 2028.	$207K$207,032	Gmina Borzęcin

Signed on	Subject	Amount	Public buyer
Aug 28, 2026	Comprehensive agreement for the management of the budget of Gmina Brzesko and the organisational units of Gmina Brzesko	$826.58	Publiczne Przedszkole Nr 9 Im. Marii Kownackiej w Brzesku
Aug 21, 2026	Sponsorship by KBS of the Dożynki Gminno - Parafialne in Sułoszowa.	$405.19	Centrum Kultury w Sułoszowej
Aug 3, 2026	Agreement to open and maintain an auxiliary bank account dedicated to the settlement of the grant	$81.04	Gminny Zakład Gospodarki Wodnej I Komunalnej w Mierzęcicach

Date	Subject of dispute	Outcome	Other party
Jun 14, 2011	Rejection of the appeal	Rejected	Samodzielny Publiczny Zespół Opieki Zdrowotnej

Trademarks

Krakowski Bank Spółdzielczy holds 1 active trademark registered with the Polish Patent Office. 2 marks have expired or were not registered. The first mark was filed in 2004.

Mark	Number	Classes	Status	Protected until
KBS 1898	Z.279445	36	Protected	Apr 19, 2034
Krakowski Bank Spółdzielczy	Z.513548	36	Proceedings discontinued	–
KBS bank 1898	Z.513549	36	Proceedings discontinued	–

Mark	Protected until
KBS 1898	Apr 19, 2034
Krakowski Bank Spółdzielczy	–
KBS bank 1898	–

Authorized Representatives

Adam Piotr Frej – Vice President of the Management Board

Halina Urszula Marć – Vice President of the Management Board

Mariusz Krzysztof Kumorek – Vice President of the Management Board

Paweł Michał Rudolf – Attorney-in-fact (joint)

Piotr Piłat – President of the Management Board

Manner of representation

Two members of the management board, or a member of the management board jointly with a commercial proxy, or two attorneys-in-fact appointed directly by the management board.

Supervisory board

Agnieszka Marks – Supervisory Board Member

Marta Gertruda Banach – Supervisory Board Member

Rafał Dariusz Roszkowski – Supervisory Board Member

Ewa Kubala – Supervisory Board Member

Jacek Ptak – Supervisory Board Member

Beneficial owners

Person	Rights

Bank accounts

Registered as a VAT taxpayer on 1997-01-01.

PKO Bank Polski
54 1020 0016 1207 8100 0004 3435
PKO Bank Polski
02 1020 0016 1207 8700 0000 5762
PKO Bank Polski
79 1020 0016 1207 9200 0000 5780

Debt

No entries in the National Debtors Register (KRZ).

Public aid

Grant date	Purpose	Gross amount	Granting body
Nov 30, 2022	De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier)	––	Starosta Powiatu Sanok
Jun 2, 2021	De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier)	––	STAROSTA POWIATU NOWOSĄDECKIEGO

Regulatory authorisations

Authority	Type	Status
KNF	Cooperative bank	Active
BDO	BDO register entry	Active

Competitors

Name	Revenue	Website
Bank Spółdzielczy w BrodnicyCooperative	$74,203,550.11	bsbrodnica.pl
Bank Spółdzielczy Rzemiosła w KrakowieCooperative	$53,333,359.29	bsr.krakow.pl
Bank Spółdzielczy DusznikiCooperative	$49,378,501.97	bsduszniki.pl
Warszawski Bank SpółdzielczyCooperative	$32,741,601.53	bank-wbs.pl
Bank Spółdzielczy w SztumieCooperative	$31,533,692.16	bssztum.pl
Bank Spółdzielczy Ziemi Łowickiej w ŁowiczuCooperative	$29,217,535.22	bszl.com.pl
Bank Rumia SpółdzielczyCooperative	$28,238,569.50	bankrumia.pl
Bank Spółdzielczy w GnieźnieCooperative	$19,989,611.49	bs.gniezno.pl
Bank Spółdzielczy w KrotoszynieCooperative	$18,360,748.30	bskrotoszyn.pl
Kaszubski Bank SpółdzielczyCooperative	$13,495,181.90	bank-kaszubski.pl