Fundusze własne a funkcjonowanie banków spółdzielczych w latach 2005–2010
Own Funds and the Functioning of Cooperative Banks in the Years 2005–2010
Zeszyty Naukowe SGGW - Ekonomika i Organizacja Gospodarki Żywnościowej, 2012, vol., nr 97, s. 193-203
The scale and extent of activities of cooperative bank depends on the size of own funds. The level of own funds also affects the safety of bank operations, sizes of credit activities and development opportunities. Low capitalization is a dangerous phenomenon, because it limits lending activity and reduces the profitability of the bank. Cooperative banking sector in order to compete with commercial banks must continually increase their capital base and improve efficiency. The purpose of this article is determine the financial situation of the cooperative banks, depending on the level of own funds.