Profitability and Digitalisation: The Effects on Cooperative Banks and Their Governance

Eric Meyer ()
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Eric Meyer: University of Muenster

Chapter Chapter 10 in Contemporary Trends in European Cooperative Banking, 2022, pp 225-242 from Springer

Abstract: Abstract Cooperative banks exhibit a particular governance, because they consist of multiple locally anchored banks often collaborating in a larger cooperative banking group. Moreover, their core business is in retailing banking focussing on a close relationship to their customers. Digitalisation significantly change these two main characteristics of cooperative banks and therefore threatens the profitability of cooperative banks. This contribution will outlines how the cooperative banks’ governance structure relates to their business and to their profitability. It explores the channels how digitalisation may affect the current structures of cooperative banks and their groups. Examples are given on how cooperative banks react to the challenges of digitalisation.

Keywords: Cooperative banks; Digitalisation; Governance; Profitability; Relationship banking; Governance (search for similar items in EconPapers)
Date: 2022
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-030-98194-5_10

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DOI: 10.1007/978-3-030-98194-5_10

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