ECONOMIC AND FINANCIAL EFFICIENCY AS A DEVELOPMENT CHALLENGE FOR COOPERATIVE BANKS IN POLAND
Journal Title: Roczniki Naukowe Stowarzyszenia Ekonomistów Rolnictwa i Agrobiznesu - Year 2019, Vol 0, Issue 3
Abstract
In paper the economic and financial efficiency of cooperative banks in Poland in 2004-2018 was assessed. It was developed and the efficiency gap ratio, which determines the efficiency gap of cooperative banks towards commercial banks in particular areas of banking activity, was applied. It was shown that the effectiveness of cooperative banks compared to commercial banks is gradually deteriorating, which was already visible from 2013. Negative trends mainly concern the return on assets and the return on equity, the ability to transform deposits into loans to customers and the quality of the loan portfolio. It was found that the deterioration of economic and financial efficiency of cooperative banks occurred primarily in 2015-2018, in conditions of a good macroeconomic situation in Poland. This means that the reasons for the weakening of cooperative bank efficiency are internal sources, i.e. the model of a bank’s operation and the organization and rules of functioning of cooperative bank associations. The reversal of these negative trends is a prerequisite for the sustainable development of cooperative banks and requires changes in their business model and strengthening intra-group integration. This will reduce the operating costs of banks and achieve economies of scale.<br/><br/>
Authors and Affiliations
Ryszard Kata
Keywords
Related Articles
- EP ID EP641110
- DOI 10.5604/01.3001.0013.3536
- Views 65
- Downloads 0
Prognozowanie zagrożenia bankructwem przedsiębiorstw z branży handlu hurtowego żywnością
CHANGES IN THE ASSORTMENT’S STRUCTURE OF FRUIT TREES AND SHRUBS CULTIVATED IN POLAND
The aim of the study was to examine the changes in acreage of fruit trees and shrubs in Poland and to verify that changes the size of the absolute crops acreage also were accompanied by changes in the participation in th...
THE COMPETITIVENESS OF POLISH AND FOREIGN VARIETIES IN POTATOES PRODUCTION IN POLAND
The aim of this article is to assess the competitiveness of domestic and foreign potato cultivars grown in the country and to analyze the use of certified seed potatoes by the producers. The agronomic and utility value i...
Zmiany relacji czynników produkcji w polskim rolnictwie
KOMPLEKSOWA ANALIZA HANDLU TOWARAMI ROLNYMI KRAJÓW BRICS
Handel towarami rolnymi odgrywa ważną rolę w globalnym handlu. Celem artykułu jest ocena zmian, które nastąpiły w handlu oraz w eksporcie i imporcie produktów rolnych dla krajów BRICS. Zbadano także związek pomiędzy pańs...