- Autor
- Skała Dorota (University of Szczecin)
- Tytuł
- Bank Performance and Local Economic Conditions Are Polish Cooperative Banks Vulnerable to Regional Downturns
- Źródło
- Bezpieczny Bank, 2015, nr 2 (59), s. 77-95, rys., tab., bibliogr. 15 poz.
- Słowa kluczowe
- Banki spółdzielcze, Gospodarka lokalna
Cooperative banks, Local economy - Uwagi
- summ.
- Abstrakt
- The aim of this paper is to analyse the vulnerability of Polish cooperative banks to changes in macroeconomic environments within the poviats where those banks operate. We find that the profitability, cost income and growth of cooperative banks are strongly related to local conditions. Banks headquartered in poviats with lower unemployment are able to report healthier earnings and leaner cost structures, and face better growth prospects. Deteriorations and revivals in poviats are reflected in bank performance and growth, demonstrating the sensitivity of these banks to local developments not necessarily mirrored in national economic indicators. In addition, despite homogeneity within the cooperative banking sector, we demonstrate differences in the relation of performance and economic situation between subgroups of small, medium-sized and large banks.(original abstract)
- Dostępne w
- Biblioteka Główna Uniwersytetu Ekonomicznego w Krakowie
Biblioteka SGH im. Profesora Andrzeja Grodka
Biblioteka Główna Uniwersytetu Ekonomicznego w Katowicach
Biblioteka Główna Uniwersytetu Ekonomicznego w Poznaniu
Biblioteka Główna Uniwersytetu Ekonomicznego we Wrocławiu - Pełny tekst
- Pokaż
- Bibliografia
-
- Bouvatier, V., Lepetit, L., Strobel, F. (2014): Bank income smoothing, ownership concentration and the regulatory environment, Journal of Banking and Finance, 41, p. 253-270.
- De Jonghe, O. (2010): Back to basics in banking? A micro-analysis of banking system stability, Journal of Financial Intermediation, 19, p. 387-417.
- Fiordelisi, F., Mare, D.S. (2013): Probability of default and efficiency in cooperative banking, Journal of International Financial Markets, Institutions & Money, 26, p. 30-45.
- Fiordelisi, F., Mare, D.S. (2014): Competition and financial stability in European cooperative banks, Journal of International Money and Finance, 45, p. 1-16.
- Furlong, F., Krainer, J. (2007): Regional Economic Conditions and the Variability of Rates of Return in Commercial Banking, Federal Reserve Bank of San Francisco working paper.
- Goddard, J., McKillop, D., Wilson, J. (2008a): The diversification and financial performance of US credit unions, Journal of Banking and Finance, 32, p. 1836-1849.
- Goddard, J., McKillop, D., Wilson, J. (2008b): What drives the performance of cooperative financial institutions? Evidence for US credit unions, Applied Financial Economics, 18(II), p. 879-893.
- Hesse, H., Cihak, M. (2007): Cooperative Banks and Financial Stability, IMF Working Paper.
- KNF (2014a) "Report on credit unions 2013", (in Polish) www.knf.gov.pl
- KNF (2014b) "Report on cooperative and associating banks 2013", (in Polish) www.knf. gov.pl
- KNF (2015): "Number of banks in Poland", (in Polish) www.knf.gov.pl
- Miklaszewska, E., Kil, K. (2014): The role of diversity of banking models: position and prospects of Polish cooperative banks, Bezpieczny Bank, 2(55), p. 50-65.
- Szambelańczyk, J. (2006): Banki spółdzielcze w Polsce w procesach zmian systemowych, ed. AE w Poznaniu, Poznań (in Polish).
- Vallascas, F., Keasey, K. (2012): Bank resilience to systemic shocks and the stability of banking systems: Small is beautiful, Journal of International Money and Finance, 31, p. 1745-1776.
- Yeager, T.J. (2004): The Demise of Community Banks? Local Economic Shocks are not to Blame, Journal of Banking and Finance, 28, pp. 2135-2153.
- Cytowane przez
- ISSN
- 1429-2939
- Język
- eng
