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Christian LOMANKIEWICZ
Head of International Desk Poland
Christian LOMANKIEWICZ
Head of International Desk Poland
Last updated: August 2025
The International Desk based in Warsaw at Crédit Agricole Polska assists the Group’s corporate customers in Poland in carrying out their on-site operations, in particular: opening accounts, setting up financing and banking advice.
Since 2001, Crédit Agricole has been present in Poland via Crédit Agricole Bank Polska, following the acquisition of Lukas Bank, a leader in consumer credit. Crédit Agricole Bank Polska still maintains a strong position in this activity. In addition, Polska Bank has become a universal local bank serving individuals, professionals, farmers, SMEs and large companies.
Other Crédit Agricole Group businesses present in Poland:
• Leasing in professional and corporate segments: Europejski Fundusz Leasingowy (EFL), market leader
• Fleet management and long-term vehicle rental. Vehicle financing and maintenance: Carefleet SA
• Rental of lorries and commercial vehicles – Lorry Care SA (acquired by the group in 2020)
• Life and non-life insurance: Credit Agricole Towarzystwo Ubezpieczeń SA (CATU)
• Life insurance: Credit Agricole Życie Towarzystwo Ubezpieczeń SA
• Factoring solutions: Eurofactor Polska SA
• Asset Management: Amundi Polska SA
Combining solid experience with knowledge of the local market, all Crédit Agricole Group teams present in Poland offer their customers a complete range of banking and insurance services. For the non-banking sector, the International Desk offers the support of local law firms or accountants and its leading partners in the internationalisation of businesses.
Link to the website: https://www.credit-agricole.pl/klienci-indywidualni
For more information, see the list of Crédit Agricole Group locations: http://www.credit-agricole.com/Le-Groupe/Implantations-Credit-Agricole/Liste-des-implantations-version-accessible
Crédit Agricole Bank Polska in numbers:
2.98 M customers (individuals, professionals and companies)
438 agencies including 258 own agencies and 180 partner agencies
4,204 collaborators
54 agro / agri customer mobile advisors
Positioning and organisation in the corporate market: Crédit Agricole Bank Polska is developing in the corporate market in synergy with Crédit Agricole CIB, LCL and the Crédit Agricole Regional Banks. Corporate clients are supported by specialised advisors grouped in 4 business centres spread over the Polish territory.
General Information
There are many business and investment opportunities in Poland, where taxation is quite attractive for companies (19% tax rate). There are no longer any constraints on foreign exchange regulations and dividends are repatriable without restriction. Certain economic activities are still regulated and subject to the granting of a concession, authorisation or registration in a register. It is therefore recommended to enquire from the Polish Agency for Information and Foreign Investment (Invest in Poland) or the Ministry of Internal Affairs and Administration (MSWIA). However, the regulations have become considerably more flexible.
Means of Payment & Banking Specificities
Settlement times are shorter than in France (on average 30 days) and cash payment by SWIFT/SEPA transfer before shipment can be recommended if necessary. Bank checks or checks issued by businesses should be prohibited. They are not used in Poland anyway except by foreign banks that issue foreign currency checks payable outside Poland. Poland has been able to set up a genuine compensation system that allows companies to make their payments quickly and throughout Poland. The setting up of a Cofacé loan (to the extent of available government envelopes) or possibly an irrevocable and confirmed documentary credit should also be considered. Avoid stand-by letters of credit. Confirmation of loans on Poland is possible depending on the counterparty, the duration of the commitment and the availability of the country risk line. A large majority of transactions in Poland are still processed by prepayment, as advised above. Payments exceeding the equivalent in zlotys of EUR 15,000 must be made by bank transfer (not in cash). It is recommended not to initiate the local recovery procedure not only due to costs but also due to formalities. It usually takes about two years to get an execution warrant.
Recently, a system of control and identification of VAT payments has been put in place by banks (regulatory obligations) to avoid misappropriation of funds.
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