Co-operative Banks in Poland, Current Issues
Co-operative Banks in Poland, Current Issues

Author(s): Łukasz Szewczyk
Subject(s): National Economy, Economic policy, Economic development, Financial Markets
Published by: Masarykova univerzita nakladatelství
Keywords: co-operative banks; global financial crisis; financial system;
Summary/Abstract: The aim of this study is to present current problems that co-operative banks in Poland have to face. These banks play an important role in Polish financial system but they are seen as weak and vulnerable to changes (especially connected with new regulations). It is discussed if new capital requirement regulations and directive CRR/CRD IV will have an impact on capital position of these banks in a long period of time. It is also important that in 2015 one co-operative bank collapsed and it has been the first bankruptcy in Polish banking sector since 2001. This shows that co-operative banking sector should be assessed in terms of capital adequacy and other issues. The main problem that will be discussed in this paper is connected with the adjustment of cooperative banks in Poland to the new market conditions. Capital position and efficiency of these banks will be presented through various figures and ratios. It will also be discussed what are the main barriers for development of these banks. A main research method used in this paper is critical analysis of literature connected with the subject and reports issued by different institutions (e.g. Financial Supervisory Authority). Results of the research will help to understand current problems of co-operative banking sector in Poland in a better way.

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