Bank Spółdzielczy Ziem Górskich KarpatiaCooperative

Other monetary intermediation

KRS: NIP: REGON:

Overview

Status
Active
Registry date
2003-09-17
Activity description

Bank Spółdzielczy Ziem Górskich Karpatia is a cooperative bank that offers a range of financial products including personal loans with an APR of 9.92%, multi-currency VISA debit cards, and children's payment cards for ages 7-13. The bank also provides e-vouchers through its loyalty program and services like identity verification for online transactions. Additionally, it features a cashback program for international Mastercard payments.

Registered address
Kościuszki 56, 34-530 Bukowina Tatrzańska, Poland
Website
karpatiabs.plWebsite active
Email
Email warning
Phone
Social media
Electronic delivery address
AE:PL-64989-68587-AVART-21

Financials

Revenue history (in m)

Data and insights are generated automatically based on financial statements and may contain errors. This analysis is for informational purposes only and does not constitute an official assessment of the company's credibility or business advice.

Statistics

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

Results vs industry

Revenue
This companyUSD 16.23mMedianUSD 365.08kAverageUSD 29.41m
Net profit
This companyUSD 3.13mMedianUSD 21.14kAverageUSD 6.97m
Operating costs
This companyUSD 3.96mMedianUSD 173.68kAverageUSD 8.35m
Assets
This companyUSD 233.87mMedianUSD 959.08kAverageUSD 420.25m

Industry

Bank accounts

Registered as a VAT taxpayer on 1993-07-05. Active

Debt

No entries in the National Debtors Register (KRZ). No proceedings in KRZ

Public aid

11 public aid cases recorded, with a total value of $137,632.

PurposeGross amount
De minimis aid (in accordance with Commission Regulation 2023/2831)
$656
De minimis aid (in accordance with Commission Regulation 2023/2831)
$211
De minimis aid (in accordance with Commission Regulation 2023/2831)
$2

Tenders

4 tenders recorded as contractor: 2 national ($88,378) and 2 EU ($2,038,922).

SubjectAmount
Zaciągnięcie kredytu w wysokości 7.000.000,00 zł na sfinansowanie planowanego deficytu budżetu Gminy Ochotnica Dolna w roku 2025 oraz spłatę wcześniej zaciągniętych zobowiązań
$849.0K
Usługi – „Kompleksowa obsługa bankowa Powiatu Nowotarskiego wraz z jednostkami”
$0
Udzielenie i obsługę kredytu długoterminowego w wysokości do kwoty 15 000 000,00 zł z przeznaczeniem na sfinansowanie planowanego w roku 2024 deficytu budżetu oraz spłatę wcześniej zaciągniętych zobowiązań z tytułu emisji papierów wartościowych oraz zaciągniętych pożyczek i kredytów.
$1.2M

Regulatory authorisations

AuthorityTypeStatus
Insurance agent of Generali Życie Towarzystwo Ubezpieczeń Spółka Akcyjna Active
Insurance agent of SALTUS Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna Active
Insurance agent of Generali Towarzystwo Ubezpieczeń Spółka Akcyjna Active

Authorized Representatives

Edward Andrzej Tybor — President of the Management Board
Bernadetta Siwek — Vice President of the Management Board
Bożena Kiklica — Vice President of the Management Board
Maria Stanisława Cikowska — Vice President of the Management Board
Przemysław Rafał Kubaszek — Vice President of the Management Board

Manner of representation

Declarations of will on behalf of the cooperative bank are made by two members of the management board, or one member of the management board and an attorney-in-fact, or two attorneys-in-fact appointed directly by the management board. Declarations of will on behalf of the cooperative bank when entering into bank account agreements referred to in Article 49(1) of the Banking Law are made by a member of the management board or an attorney-in-fact appointed directly by the management board.

Supervisory board

Andrzej Ziemba — Supervisory Board Member
Anna Pawlus — Supervisory Board Member
Antoni Matuszny — Supervisory Board Member
Jan Budz — Supervisory Board Member
Edward Pająk — Supervisory Board Member

Beneficial owners

6 beneficial owners recorded in CRBR.

Person
Maria Stanisława Cikowska (48)
Bożena Kiklica (61)
Przemysław Rafał Kubaszek (59)
Maciej Piotr Palej (59)
Bernadetta Siwek (56)
Edward Andrzej Tybor (66)

Competitors

Name
Bank Spółdzielczy w RaciążuCooperative
Bank Spółdzielczy w LeśnicyCooperative
Bank Spółdzielczy w ŁosicachCooperative
Bank Spółdzielczy w CzarnkowieCooperative
Bank Spółdzielczy Pałuki w ŻninieCooperative
Kaszubski Bank SpółdzielczyCooperative
Bank Spółdzielczy w GorzycachCooperative
Bank Spółdzielczy w JasionceCooperative
Bank Spółdzielczy w ParczewieCooperative
Beskidzki Bank SpółdzielczyCooperative

Change history

DateEvent
2021-03-05Address change
2020-07-16Name change
2019-09-10PKD change
2010-09-15Name change
2010-09-15PKD change

FAQ

Last updated: 2026-07-04