Kondycja Ekonomiczno-Finansowa Banków Spółdzielczych w Polsce w Świetle Wyzwań Rynkowych i Regulacyjnych

Ryszard Kata

Roczniki (Annals), 2023, vol. 2023, issue 4

Abstract: The aim of the article is to assess the economic and financial condition of cooperative banks in Poland in 2020-2022, i.e. in the period of deterioration of the conditions of banking activity and the resulting specific market and regulatory challenges. It has been shown that many indicators of the activity of cooperative banks have improved compared to previous years, especially 2017-2019, or reached levels comparable to those recorded in the years of economic prosperity. This applies to e.g. return on assets and return on equity ratios and the loan portfolio quality ratio. Comparison of the financial results achieved by cooperative banks in 2020-2022 with the results of commercial banks shows that in difficult conditions for banking activity, local banks showed good economic condition and financial efficiency. However, this does not change the fact that cooperative banks must continue to adapt their operating model to modern market and regulatory challenges, in particular to technological challenges and growing customer expectations in terms of the quality of banking services.

Keywords: Financial Economics; Institutional and Behavioral Economics (search for similar items in EconPapers)
Date: 2023
References: View references in EconPapers View complete reference list from CitEc
Citations:

Downloads: (external link)
https://ageconsearch.umn.edu/record/340078/files/KATA-2.pdf (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ags:paaero:340078

DOI: 10.22004/ag.econ.340078

Access Statistics for this article

More articles in Roczniki (Annals) from Polish Association of Agricultural Economists and Agribusiness - Stowarzyszenie Ekonomistow Rolnictwa e Agrobiznesu (SERiA) Contact information at EDIRC.
Bibliographic data for series maintained by AgEcon Search ().