Bank PEKAO S.A.
English info
About us
BIK's mission is to support trust and safety of participants of business transactions in Poland by providing reliable and as complete as possible information.
BIK carries out its activity pursuant to the Act of 29 August 1997 - Banking Law. The law stipulates that banks acting jointly with bank chambers of commerce may establish an institution authorised to process and make available information to banks and other institutions statutorily authorised to grant credits and loans under certain conditions laid down in the Act.
Data sources for BIK Group
Mission of the company
BIK's mission is to support trust and safety of participants of business transactions in Poland by providing reliable and as complete as possible information.
Legal grounds
BIK carries out its activity pursuant to the Act of 29 August 1997 – Banking Law. The law stipulates that banks acting jointly with bank chambers of commerce may establish an institution authorised to process and make available information to banks and other institutions statutorily authorised to grant credits and loans under certain conditions laid down in the Act.
Information collected and made available by BIK encompasses personal data protected under the Personal Data Protection Act of 29 August 1997.
The taking effect of the Act on Sharing and Disclosure of Economic Information enabled the establishment of cooperation with Economic Information Bureaus and expansion of the scope of information disclosed in Credit Reports to the data collected by these Bureaus.
Furthermore, pursuant to Art. 68 section 4 of the Act on Electronic Payment Instruments, BIK may collect and make available to their issuers information concerning the holders of electronic payment instruments.
Management Board
Zamknij
Mariusz Cholewa, PhD
President of the Management BoardPresident of Biuro Informacji Kredytowej S.A. Management Board (BIK)
Mr. Mariusz Cholewa is a graduate of the University of Gdańsk, the Faculty of Management. In 2005 he obtained his PhD Degree in Economics. He also completed postgraduate studies in Banking and Finance, with the specialisation in Investment Banking, conducted by the London Guidhall University, the Gdańsk Banking Academy and the University of Gdańsk.
Between 1993 -1998 he cooperated with the Gdańsk Banking Academy, as a Management Board member, participating at the same time in the research on the financial restructuring of enterprises and banks pursued by the Gdańsk Institute of Market Economics. In the years 1995 -2003 he was an associate professor at the Faculty of Management at the University of Gdańsk. In the period of 2007 - 2010 he was the CEO of Bank Rozwoju Cukrownictwa S.A. In 1998 Mariusz Cholewa joined Bank Handlowy w Warszawie S.A. (Citi Handlowy), where he held a number of managerial positions, till April 2013 being the Director of the Strategy Department. Mariusz Cholewa was a supervisory board member of a number of companies: banks, investment and insurance companies including public granted companies. In the years 2012 – 2013 he was a member of Biuro Informacji Kredytowej S.A. Supervisory Board.
Mr. Mariusz Cholewa has been the President of the BIK Management Board since June 2013. He is also the President of the Supervisory Board of BIG InfoMonitor S.A. - Economic Information Bureau and Digital Fingerprints S.A.
Since May 2020 he has been the President of the Management Board of ACCIS, the largest association of credit registers in the world.
Rafał Bednarek
Vice-President of the Management BoardZamknij
Rafał Bednarek
Vice-President of the Management BoardVice-President of Biuro Informacji Kredytowej S.A. Management Board (BIK)
Mr. Rafał Bednarek is a graduate of the Poznań University of Technology, postgraduate and doctoral studies at the Poznań University of Economics in the field of economics and capital markets, he also completed postgraduate studies in Faculty of Law at the Adam Mickiewicz University in Poznań.
Since the beginning his professional career he was connected to the banking sector (Wielkopolski Bank Kredytowy and Bank Zachodni WBK), where he held successively a series of managerial functions in various areas of the bank’s structures, involved in investment banking mortgage and credit risk management.
He held, inter alia, the following functions: Director of the Capital Department, Director of the Strategic Investment Department, Director of the Mortgage Banking Centre and Director of the Development and Credit Support Department.
Since 2012, he has been the Vice-President of the Management Board of Biuro Informacji Kredytowej S.A. He supervises the activities of BIK addressed to financial market entities, including commercial banks, cooperative banks, leasing companies and factoring companies, as well as retail clients. He also oversees the quality management of information resources and the development of innovative sectoral technological projects, including the field of ESG solutions.
He is also a member of the Supervisory Board of Biuro Informacji Gospodarczej InfoMonitor S.A. – the Economic Information Bureau.
Sławomir Grzelczak
Vice-President of the Management BoardZamknij
Sławomir Grzelczak
Vice-President of the Management BoardVice-President of Biuro Informacji Kredytowej S.A. Management Board (BIK) President of Biuro Informacji Gospodarczej InfoMonitor S.A. Management Board (BIG InfoMonitor)
Graduate of the Warsaw School of Economics, the Faculty of Finance and Banking (2002). He also completed postgraduate studies, Blockchain, Smart Contracts and Digital Currencies (2019) conducted by Warsaw School of Economics.
From 2001 Mr. Sławomir Grzelczak worked for the international company Dun&Bradstreet – a leading business intelligence agency, where he held key managerial functions. In the period of 2002 – 2004 he was Chief Operational Officer, and in 2004–2009 he held the function of the President of the Management Board of the Polish branch office. In the years 2009–2012 he was managing the BISNODE Group, a strategic partner of the business intelligence agency, D&B Corporation. He developed his experience in improving business processes by managing four member companies of the BISNODE Group. From 2012 to April 2013, he was responsible for 12 Central and Eastern Europe markets in the Group of Coface Central Europe Holding, a leader in credit insurance. He was responsible for the new product development and coordination of activities in the field of economic information. In the same period, he was the managing director of Coface Slovenia.
Since April 2013, he has been a member of the Biuro Informacji Kredytowej S.A. Management Board, responsible for the Non-banking Business Area.
In July 2013, he has been appointed the Vice-President of BIK Management Board, responsible for the Corporate Business Area, the non-banking and e-commerce sector. Supervises the development of offerings for the SME sector and the growth of the area of Business Intelligence.
Since June 2014, he has also been the President of BIG InfoMonitor S.A. Management Board – the Economic Information Bureau.
Between 2020 and 2022 he was the member of the Council of The Association of Financial Companies in Poland (ZPF).
Shareholders
PKO Bank Polski S.A.
Bank Handlowy w Warszawie S.A.
ING Bank Śląski S.A.
Santander Bank Polska S.A.
BNP Paribas Bank Polska S.A.
mBank S.A.
Bank Millenium S.A.
DNB Bank Polska S.A.
Związek Banków Polskich