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Evolution Of Cooperative Banking Sector In Poland And Financing Local Development

Author

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  • Andrzej Soloma

    (Department of Finance and Banking, Faculty of Economic Sciences, University of Warmia and Mazury in Olsztyn)

Abstract

The aim of the study presented in this paper was to assess the operations of cooperative banks in Poland in terms of financing local economic development. The assumption was that the fundamental operation which has an effect on economic growth consists in granting loans to local communities. According to the results of research, in the last 3 years the most significant increase in the banks’ receivables from non-financial sector was recorded among natural persons. Yet cooperative banks are still primarily interested in financing business (roughly 75% of the receivables from non-financial sector in 2016 were business loans). Nonetheless, over the last several years the profits of cooperative banks have been decreasing thereby limiting their ability to increase equity through accumulation of profit.

Suggested Citation

  • Andrzej Soloma, 2018. "Evolution Of Cooperative Banking Sector In Poland And Financing Local Development," OLSZTYN ECONOMIC JOURNAL, University of Warmia and Mazury in Olsztyn, Faculty of Economic Sciences, vol. 13(2), pages 183-193, May.
    • Handle: RePEc:ole:journl:v:13:y:2018:i:2:p:183-193
    DOI: https://doi.org/10.31648/oej.2771
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    More about this item

    Keywords

    cooperative banks; local socio-economic development; bank loans;
    All these keywords.

    JEL classification:

    • A1 - General Economics and Teaching - - General Economics

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