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Safe Bank

Published: 2018-12-21

Development and Financial Situation of Cooperative Banking Sector in Poland and Germany between 2010–2017 – Comparative Analysis

Błażej Lepczyński , Eugeniusz Gostomski
Section: Problems and Opinions
https://doi.org/10.26354/bb.2.3.72.2018

Abstract

German and polish cooperative banking sector was the study subject. The aim of our reasearch was to determine the most important differences and similarities in the development processes and in economic situation between Polish and German cooperative banks in the period between 2010–2017. The research method used in our study was the comparative analysis of banking systems. We examined changes in the number of banks, the dynamics of the balance sheet, the number of branches, the number of employees and members, financial efficiency, capital adequacy and liquidity of cooperative banks. The obtained results of this study show relatively large differences in development processes within changes in the number of banks and bank branches. Different trends also occur in the development of the membership base. Smaller differences were identified in terms of financial efficiency and financial stability. Productivity improved in both sectors, however in Germany this was due to the decline in the number of banks rather than the increase in the value of assets. The main conclusion from the research is the statement that German cooperative banks in 2010–2017 went through a process of deeper restructuring and consolidation than Polish cooperative banks.

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Citation rules

Lepczyński, B. ., & Gostomski, E. . (2018). Development and Financial Situation of Cooperative Banking Sector in Poland and Germany between 2010–2017 – Comparative Analysis. Safe Bank, 72(3), 24–53. https://doi.org/10.26354/bb.2.3.72.2018

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Vol. 72 No. 3 (2018)
Published: 2018-12-21


ISSN: 1429-2939
eISSN: 2544-7068
Ikona DOI 10.26354

Publisher
Bankowy Fundusz Gwarancyjny

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