Small and micro enterprises (SME)

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Service of SME customers is based on relation model, under which customer has its dedicated Business Clients Advisers, responsible for identification of clients' needs and selection of appropriate products and services. The service is conducted by Advisers located in universal retail outlets and specialized Business Customers Centers.

In 2014, the Bank pursued a strategic project aimed at strengthening the Bank's position in the agri-food sector in Poland. The Bank redesigned customer service model dedicated to the agri-food sector, introduced special Agro zones in branches for individual farmers and companies from the agri-food industries and prepared a special products offer for the farmers which includes both working capital loans and investment loans. In addition, the loans granting process for these clients has been improved. Thanks to these activities, in 2014 the Bank acquired 3 thousand of new customers in the agri-food sector.

In 2014, in the segment of small and micro enterprises the Bank continued its policy to offer modern mobile solutions, i.e. PekaoFirma24 and mobile applications PeoPay and PeoPay mPOS. The main functionalities of PeoPay mPOS application are, among others, acceptance of PeoPay mobile payments and preparation of reports on sales which is particularly appreciated by customers of retail and service sector. 

In selected outlets of the Bank the cash-in module have been installed in ATMs to deposit cash directly in the ATM.
The service available 24 hours and 7 days a week is dedicated to individual and business clients.

The Bank's standard offer was enriched by two types of escrow accounts for cash settlements associated with completed and planned transactions, including a new product for developers Closed Escrow Account for Housing Developers (Zamknięty Mieszkaniowy Rachunek Powierniczy).

At the beginning of 2014, the Bank at a conference held in Warsaw presented the fourth edition of report "Raport o sytuacji mikro i małych firm w roku 2013" (Report on the situation of SME clients in 2013). The report has been prepared based on 7 thousand interviews conducted with the enterprises' owners employed up to 49 persons. The special subject of this edition was export activities of micro and small companies. In the following months of 2014, outcomes of the Report were presented at the 16 conferences organized in each voivodeship.

Moreover, the Bank in co-operation with selected partners of initiative "Pakiet Trwałych Korzyści" and organizations supported local business conducted a series of five conferences aimed at business development with the use of solutions dedicated to micro and small enterprises offered by partners of the Bank.

 

Electronic banking for SME clients

Business customers of Bank Pekao S.A. use the systems of electronic banking such as the PekaoFirma24, the Pekao24 for entrepreneurs and the PekaoBiznes24. Main system offered to clients within Pakiet Mój Biznes (My Business Package) is the PekaoFirma24 electronic banking system containing the Internet banking, fully transactional mobile banking application and phone banking.

In 2014, project of merger of the PekaoFirma24 and the PekaoBiznes24 platforms has been started. In 2015, thanks to this project, micro and small segment customers will be provided with an access to the PekaoBiznes24 system with a more convenient navigation and modern visualization.  

As at the end of December 2014, 240.6 thousand clients had an access to the electronic banking systems, of which 159.5 thousand are active clients. The number of business clients with an access to electronic banking systems increased by 17.1 thousand compared to the end of 2013.

(IN THOUSAND)

 

31.12.2014

31.12.2013

Number of business clients (SME) with an access to electronic banking systems as at the end of period

240.6

223.5

Number of business clients (SME) actively using electronic banking systems (*)

159.5

147.2

(*) A customer actively using electronic banking is a customer who logged in to the systems at least once during the last quarter.

As the end of December 2014, 13.8 thousand clients had an access to mobile banking application, of which 8.6 thousand are active clients. The number of business clients with an access to mobile banking application increased by 6.8 thousand compared to the end of 2013.

 

31.12.2014

31.12.2013

Number of business clients (SME) with an access to mobile banking as at the end of period

13.8

7.0

Number of business clients (SME) actively using mobile banking (*)

8.6

5.3

(*) A customer actively using mobile banking is a customer who logged in to the system at least once during the last quarter.