Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides banking products and services in Poland and internationally. It operates through three segments: Retail, Corporate and Investment, and Transfer Center and Other. Its offerings include accounts, deposits, loans, investment and insurance products, cards, payment and online banking, leasing and factoring, cash management and trade finance, as well as investment and pension fund management and real estate activities. Founded in 1919, the company is based in Warsaw, Poland.