Our comprehensive and innovative offer is addressed, first of all, to customers demanding state-of-the-art and transparent financial products, clear procedures as well as efficient and competent service, including after-sales support.
The work we have undertaken on new products is based on our motto “More Velo World”, which embodies a world of positive values, such as
Forging close relationships with our customers
Our customers have access to a complex network of branch offices as well as electronic access channels, including mobile banking.
We create a bank of the future, in which good choices pay off, and positive values and attitudes are responsible for added value: customer and staff satisfaction, positive changes within the banking environment, and attractive terms for investors.
Management Board and Supervisory Board
Our comprehensive and innovative offer is addressed, first of all, to customers demanding state-of-the-art and transparent financial products, clear procedures as well as efficient and competent service, including after-sales support.
The work we have undertaken on new products is based on our motto “More Velo World”, which embodies a world of positive values, such as safety, understanding, transparency, and innovation.
We tailor our services to the continually changing needs of our customers – from the initial stage of market analysis to concluding with offering new products. This is all to guarantee our customers comfort, piece of mind, and satisfaction with the services that we offer.
We provide banking services in the modern sense of the word, i.e., solutions which facilitate everyday financial life. Such solutions comprise our flagship account – VeloKonto or the savings account VeloSkarbonka, a new version of the flexible savings account (Elastyczne Konto Oszczędnościowe). One of the pillars of our strategy is our continued focus on ecology. We work on innovative projects which actively support the green transition of the Polish economy.
Our priority is the implementation of principles and standards as regards the management of sustainable development in the bank, oriented at its development, and meeting the ESG strategic obligations towards our stakeholders. We are building a sustainable organization based on the highest management standards carried out in a transparent and responsible way.
We keep looking at strategic possibilities for creating business partnerships with market leaders so that we can offer our clients new and innovative solutions which, with the benefits they provide, reach beyond the conventional definition of banking.
Our customers have access to a complex network of branch offices as well as electronic access channels, including mobile banking. We create a bank of the future, in which good choices pay off, and positive values and attitudes are responsible for added value: customer and staff satisfaction, positive changes within the banking environment, and attractive terms for investors.
His nearly 20-year-long career was developed in the largest financial institutions in Poland: Bank Pekao, Pekao Central Brokerage House, Inteligo Financial services and PKO Bank Polski, where he was a Member of the Management Board in charge of technology, cybersecurity and employee training and development from 2017 to 2021. He successfully reorganised the functioning of structures of many undertakings, focusing on process efficiency, cost optimisation and dynamic business development. He co-created solutions such as BLIK, IKO, Bank Cybersecurity Centre, digital identity in administration, a nationwide system of e-Registration for COVID-19 vaccinations and the concept of National Cloud. In the last year, he acted as the Vice-President of the Management Board for Technology and Digitisation of the CCC Group, where he was responsible for digital transformation and actively supported the development of digital business and actions aimed at improving the Group’s efficiency.
He was the chairperson of the presidium of the Electronic Banking Council at the Polish Bank Association, the IT Architecture Council at the Committee of the Council of Ministers for Digitisation, the chairperson of the IT Expert Group operating at the Ministry of Finance and a member of the IT Consultants Team at the Ministry of Health. He chaired and participated in supervisory boards of companies such as PKO Bank Hipoteczny, the National Cloud Operator, PKO BP Finat, Modivo and Pronos.
In 2003, he graduated from the Military University of Technology in Warsaw and obtained a Master’s degree in Computer Science. From 2006 to 2007, he studied IT project management at the Warsaw University of Technology. He also completed a post-graduate Executive Master of Business Administration course at the Management University in Warsaw.
He has won numerous industry awards and distinctions and was awarded the title of an Electronic Economy Ambassador at the 10th Electronic Economy Congress. In recognition of his outstanding accomplishments in construction and development of the banking sector, the Polish Bank Association awarded him the Nicolaus Copernicus Medal. He also received the title of the ‘Banking market innovator of 2015’ in the ranking of ‘50 largest banks in Poland’, as well as the Prof. Remigiusz Kaszubski Award for creating innovations and a secure company in the cloud and commitment to the digitisation of society.
She started building her almost 30 year-long professional activity at the Warsaw office of KPMG, where she progressed through all stages of her career to become a Director by 2006, specialising in auditing financial statements and other assurance services for financial sector institutions in Poland. At the end of 2006, she started working for PKO TFI S.A. as Managing Director responsible for investment fund operations. Then, between 2010 and 2018, she was associated with the largest universal bank in Poland: PKO Bank Polski S.A., where as Director, she was responsible for internal audit functions of the Bank and the PKO Bank Polski Capital Group. As the CEO of the largest mortgage bank in Poland, which is a regular issuer of mortgage bonds on the Polish and European market (2018-2021), she was in charge of managing a bank with assets worth PLN 27 billion, determining the direction of strategic development, implementing strategy as part of day-to-day operations, as well as achieving excellent profitability, efficiency and capital security parameters for the bank in a dynamic market environment. She was the voice of the sector in legislative initiatives concerning the activities of mortgage bond issuers in Poland.
In the course of her professional career, she has also managed strictly financial challenges, namely: audits of financial statements, accounting and financial reporting consultancy, formulation of strategies and solutions, analysis of key risks in the activities of banks and other financial institutions, assessment of internal control and risk management systems, as well as day-to-day management of the entrusted business areas, achievement of the assumed objectives, budgets and strategies.
From 2018 to 2021, she also acted as a member of the Supervisory Board of PKO Finat Sp. z o.o. and is currently one of the members of the Supervisory Board of BEST TFI S.A.
She is a graduate of the Warsaw School of Economics. She is a UK auditor certified by the Association of Chartered Certified Accountants (ACCA Practising Certificate), and has an Executive MBA degree from École Nationale des Ponts et Chaussées in Paris and the University of Bristol. She also completed the Advanced Management Programme at IESE Business School, which is part of the University of Navarra.
He started his professional career in a business advisory and consulting company – Accenture, where he was responsible for the implementation of individual modules of the central banking system in PKO Bank Polski. Subsequently, he was associated with the Belgian KBC Capital Group: Kredyt Bank and TUiR Warta and TU NŻ Warta insurance companies (2006-2011). For six years, he acted as Director of the Transactional Application Development Department in the largest bank in Poland – PKO Bank Polski, where he played a key role in the acquisition processes of Nordea Bank Polska and SKOK Wesoła. He participated in PKO Bank Polski’s launch of innovative solutions, including: IKO mobile banking, an engine for calculating risk parameters in accordance with the IRB approach, a system for handling option transactions, a central solution for handling Cash Management products, the Loro system together with ICM functionality, implementation of a new IPKO Dealer auto-dealing system, as well as a fraud detection and handling system (EFM – Enterprise Fraud Management).
Since 2017, he has worked in government administration bodies as a plenipotentiary of the Minister of Finance for computerisation, where he has supervised the IT organisation of the Ministry of Finance, comprising more than 1,800 employees. He created and then implemented a digital transformation strategy for the Ministry of Finance. He has successfully restructured initiatives which were at a risk of failure, in particular the e-taxes project, for which he secured a pre-jurisdictional settlement. He was responsible for implementing innovative solutions, i.e. Your e-PIT, e-Tax Office, Poltax+, e-Toll, which facilitated and automated administrative processes. He developed and implemented the BIG DATA concept based on the use of algorithms and supervised the implementation of projects such as JPK_VAT, STIR, Split Payment, SENT, MDR, White List of VAT Remitters, e-Financial Statements, on-line Cash Registers, Virtual Cash Registers and e-Receipts. In September 2021, he took up the position of the Director of the Central IT Hub, where he successfully merged the NASK and COI development departments. He was responsible for developing a strategy for digitalisation of public administration, including the implementation of an e-payment platform for the public sector, the Central Register of Powers of Attorney and Authorisations, changing the nature of the mObywatel application or the Central Register of Drivers.
Following the outbreak of the war in Ukraine, he successfully managed the Help Ukraine project, as part of which he adapted the national registers for assignment of PESEL (Personal ID) numbers, trusted profiles, and launched the Ukrainian-language version of the mObywatel application and dedicated refugee service centres at the National Stadium, Tauron Arena, as well as a system for handling humanitarian convoys.
He is a graduate of the Faculty of Cybernetics at the Military University of Technology and the Collegium of Management and Finance at the Warsaw School of Economics. He also obtained the Executive Master of Business Administration (MBA) degree.
Between 2001 and 2021 work at Bank Pekao S.A. within expert and managerial positions for risk, controlling, capital management & asset and liability management area. From 2017 to 2021 held the position of Vice President of the Management Board responsible for the Financial Division. He also served as a member of the supervisory boards of numerous Pekao Group companies.
In the years 2022-2024 he served as President of the Management Board of System Ochrony Banków Komercyjnych S.A. and Vice President of the Management Board of Frisco S.A. (e-commerce company on the FMCG market). He also worked as an advisor to the Management Board at mBank S.A.
A graduate of the Warsaw University of Technology, Faculty of Technical Physics and Applied Mathematics. He holds CFA and PRM (Professional Risk Manager) certificates, and was honored with the Award of Merit by the international organization PRMIA, associating risk managers.
A manager in Polish and international financial institutions and mentor to numerous experts and managers. Adrian Adamowicz started his career in 1993 in the Central Brokerage House of Pekao S.A., in the Corporate Customer Service Team, then moved on to Société Générale as an equity analyst. In 1996, he joined PKO/Credit Suisse TFI S.A., where he developed and supervised the area of institutional sales and pension schemes.
Between 2000 and 2001, he was the General Project Manager in The MotherShip Internet Holdings – a technology company; he also established the start-up Eo Networks together with Stefan Bator.
At the end of 2001, he joined Pioneer Pekao TFI S.A. as a Sales Director. In 2005, he was appointed Vice-President of the Management Board in charge of sales, marketing and product development, and in 2006, he was additionally the Head of Marketing and Sales Support at Pioneer Investments in Central and Eastern Europe (CEE), as well as a member of the Global Marketing Committee. He was subsequently appointed the CEO of AXA TFI S.A.
From 2009 to 2017, he was the Managing Director at PKO Bank Polski. He was responsible for transformation of the sales, distribution and marketing area. He created the private banking area. Thanks to these innovative changes, PKO became the leader of Polish retail banking during that time, achieved record-breaking results, accompanied by a significant increase in the satisfaction and involvement of its employees. He was a member of supervisory boards of, among others, PKO TFI S.A., PKO Leasing S.A. and Kredobank.
He was a co-founder of an innovative training and publishing company organising development programmes and publishing Mental Health & Wellbeing books based on positive psychology and neuropsychology.
Since 2019, he has been a member of the Supervisory Board of Esaliens TFI S.A. (formerly Legg Mason S.A.) – a private asset management company and a leader in the pension solutions market in Poland. Between 2020 and 2022, he was the President of the Management Board of Esaliens TFI S.A. He graduated in Banking from the Finance and Statistics Department of Warsaw School of Economics. He is an MBA graduate of the Gdansk Foundation for Management Development, University of Gdansk and Rotterdam School of Management – Erasmus University.
Jakub Papierski, banker, manager and consultant with 30 years of professional experience in domestic and foreign financial institutions. During his career has been involved in numerous stock exchange debuts of the largest Polish issuers incl. the largest credit and capital markets transactions on the Polish market. Graduate of the Warsaw School of Economics and charterholder of CFA designation. Awarded also with Lesław Paga Fundation Award.
In 2010-2021, he was deputy CEO of PKO Bank Polski, where he supervised the Corporate and Investment Banking Area, Treasury and financing of the Bank on financial markets, the Brokerage House and the Bank's own capital transactions. Member of the Credit Committee and the Asset and Liability Management Committee. He also chaired the Supervisory Boards of PKO Asset Management, PKO Pension Fund Management, PKO Leasing, PKO Bank Hipoteczny and Kredobank in Ukraine.
In 2011-19, he served as director at the supervisory board of the Marguerite, European infrastructure development fund, a joint project of the European Investment Bank, PKO Bank Polski and 4 government development banks from Germany (KfW), Italy (CDP), Spain (ICO) and France (CDC).
During his professional career he also worked for Creditanstalt Investment Bank and Deutsche Morgan Grenfell/Deutsche Bank Research, dealing with the banking sector in Central and Eastern Europe. In the years 2001-2003, he served as CFO/Executive Director of the Financial Division at Bank Pekao (Unicredit). Served as CEO of Allianz Bank, CDM Securities, the largest broker and non-bank distributor of mutual funds in Poland and as Vice-Chairman of the Supervisory Board of Pioneer Pekao Asset Management.
Sarah brings extensive executive experience in a variety of industries including financial services, FinTech, e‑commerce, travel and retail, across Europe, the USA, the Middle East, and Africa. Sarah was General Manager of Europe at Clearco, a SoftBank backed revenue-based finance business. Previously, Sarah was General Manager for Central & Eastern Europe, Middle East & Africa at PayPal, the world’s largest on-line payments provider. She has also held a variety of commercial positions with Barclays Bank, the Virgin Group, Sainsbury’s and British Airways. She is currently also Non-Executive Director and Chair of the Investment Committee at Mobeus Income & Growth VCT, which is listed on the LSE. Sarah has a BA from McGill University, an MSc from the London School of Economics and an MBA from Harvard Business School.
More than 30 years experience in financial institutions. Leading a change in departments, divisions and entire organizations in Poland and Internationally. Focus on corporate culture, people / teams development and understanding engagement dynamics.
She held the position of Vice-President of the Management Board of mBank S.A. as CRO, the Senior General Director of the KBC Group in Brussels, the Vice President of the Management Board of Credit Bank and the Advisor to the President of the Warta S.A. and TUnŻ Warta S.A. as CFRO, Member of the Management Board od CitiHandlowy as CFO.
Also former VicePresident of Schroder Salomon Smith Barney Poland, as well as Manager in Price Waterhouse.
A graduate of the Institute of Mathematics at the University of Gdańsk. Also graduate of Vlerick Management School (2012), London Business School (2013), IESE- Advanced Management Program (2018/2019), IESE / Harvard Business School - Value Creation through Effective Boards (2021) and Cambridge University - Business Sustainability Management (2022).
She was implementing Lean Management tools (including Agile, Scrum, Dual Organization) in service industries. Active mentor of young women in the beginning of their carrier (co-founder of Busola Project) as well as very experience managers and board members.
Banker and Fintech Investor, senior advisor for Cerberus Capital, and Chairman of AideXa, a challenger bank project aiming to serve small businesses. Previously he was the Chairman of the "Good Banks" on behalf of Bank of Italy and was the Group General Manager of Unicredit; in the past, he worked with McKinsey & Co and Salomon Brothers. He is also involved in charitable activities and postgraduate education advisory.
Currently, he serves as the advisor for Europe for Cerberus Capital, he is non-executive chairman of Officine CST (an Italian company controlled by Cerberus) and is active in the Fintech and startups space, where together with his wife owns or has held minority stakes in a number of companies, including DoveVivo, Yapily, Deus Technology, Talent Garden, Bandyer, Work Invoice, Mia Platform.
He serves in the advisory board of Confartigianato and in the board of Fondazione Archè, a charity based in Milano and in the Comitato Amici di Claudio Dematté in Trento. He served in the advisory board of SDA Bocconi School of Management, Milan, and in the International Advisory Board of Bologna Business School and of The Johns Hopkins University SAIS Bologna Center.
Mr. Brokking joined Cerberus in 2014. Prior to Cerberus, Mr. Brokking worked in the banking and private equity community in and outside the Netherlands from 1977 until 2014. The last 20 years he was active as a co-managing partner of Parcom Capital B.V., the private equity-arm of ING Group N.V.
He held positions on supervisory boards of various companies since the mid-eighties and served as a board member of a number of funds’ investment committees. From 1999 to 2006, he was member of the Board of Directors of NVP (Dutch private equity and venture capital association).
Mr. Brokking is a graduate of Erasmus University, Rotterdam.
A senior executive with 37 years’ experience in credit risk, corporate recovery, portfolio management, commercial banking and financial advisory working across the UK, Western Europe, CEE, Middle East and Asia. He is currently an independent consultant specialising in credit & risk advisory, and a non-executive Director and Chair of the Risk Committee of Novobanco SA, the significant Portuguese Bank.
He was formerly a senior Partner at Deloitte where he headed strategic advisory for the Global Portfolio Lead Advisory business, was Head of Restructuring Services for financial institutions, Global Lead for AQR services and a member of the UK firm’s leadership team for its Centre for Credit Excellence and Banking Union Centre in Frankfurt. He led the regulatory interaction with ECB, EBA and the European Commission for the EMEA member firms on all NPL and leveraged finance issues.
Prior to joining Deloitte, he was Head of Corporate & Institutional Risk for BAWAG PSK, the significant Austrian Bank. Prior to this he led the Corporate Recovery function for EBRD responsible for all problem debt, equity and client-focused litigation across the bank’s 29 operating countries of CEE, Russia and the former CIS, and the Balkans. He spent 6 years working across Asia for Big 4 and other firms advising financial institutions on portfolio and risk management issues. This followed 4 years as a senior advisor to the insolvency and debt recovery department of a major, state-owned Polish bank. His career started in the UK with NatWest Bank where he spent 9 years in corporate banking, major corporate workout and leveraged finance.