Sytuacja finansowa polskich banków spółdzielczych w kontekście wprowadzenia pakietu CRR/CRD IV
The Financial Situation of the Polish Cooperative Banks in the Light of the CRR/CRD IV Package

Summary/Abstract: Polish cooperative banks have an important role in the Polish banking sector. In the interests of customers of banks, there were implemented a package called CRR/CRD IV, which regulates the liquidity and solvency of banks. These regulations forced the cooperative sector to create the Institutional Protection System (IPS). Banks, which have decided to join to the system, had to pay additional costs, however they are able to fulfill the necessary requirements and ensure their customers about another protection of their deposits. In the article, it has been analyzed the financial situation of Polish cooperative banks associated with Bank Polskiej Spółdzielczości. Data are based on a quarterly scoring of associated cooperative banks developed by the Bank Polskiej Spółdzielczości. The aim of this article is to evaluate the effect of CRR/CRD IV package on the situation of cooperative banks affiliated with Bank Polskiej Spółdzielczości and attempt to estimate their safety.

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