Optimal Deposit and Loan Interest Rates Setting in Co-Operative Banks
Journal Title: Acta Scientiarum Polonorum. Oeconomia - Year 2015, Vol 14, Issue 3
Abstract
This paper tries to solve theoretically the problem of interest rate determination by a co-operative bank in the absence of preferential treatment of its members (owners) against non-members in terms of charged interest rates. The optimisation model considers bank's borrower-, depositor- and neutral-oriented policy as well as purely commercial (profit-oriented) approach. Obtained results indicate that the optimal rates on loans and deposits at a co-operative bank depend mainly on its preference. They are also influenced by market interest rates and bank's balance sheet and income statement elements. The paper contributes to an increased understanding of behaviour of co-operative bank as social economy organisation and adds to the models of optimal interest rates setting in co-operative financial institutions. (original abstract)
Authors and Affiliations
Tomasz Siudek, Aldona Zawojska
Keywords
Related Articles
- EP ID EP194973
- DOI -
- Views 65
- Downloads 0
Impact of Food Industry Markups on Sectorial Business Cycle and Food Inflation in Poland
The main goal of this paper was to examine relationships between markups, output, and food inflation in the Polish food sector in the period 2000–2013. Levels of the monopolistic markups were calculated as an inversed la...
Economic Role of Agricultural Cooperativeness in Poland from the Perspective of Changes in the Food Chain
A food supply chain integrates three important economic sectors: agriculture, food processing, and distribution sectors. Integration processes are one out of different ways of efficiency’s improvement of supply chains; t...
Changes in European Union Farm Structure and Their Multidimensional Implications
The aim of the paper was to identify the tendencies in the farm structure in EU-28 countries from 2008 till 2016 and point out their implications. The analyses revealed that during the examined period the very impressive...
Determinants of Profitability of Enterprises of Meat Industry in Poland
The aim of the study was to determine the strength and direction of influence of individual factors on the return on equity of the enterprises of the meat industry in Poland in 2008–2012. A detailed analysis covered 86 e...
The Ethical Dilemmas in Marketing - the Positive Idea and its Desirable and Undesirable Consequences
The article deals with the issue of intended and unintended socio-economic consequences of marketing actions. Marketing concept is a positive idea of creating value for customers and other stakeholders, but the results o...