Determinanty generowania kredytów gospodarczych w okresie pokryzysowym na przykładzie polskiego sektora banków spółdzielczych

• Authors: Krzysztof Kil , Ewa Miklaszewska
• Languages of publication: PL

Abstracts

PL

The post-crisis period stressed the role of small, local banks in corporatelending, particularly for SME, due to such their advantages as being based onrelationship banking and extensive knowledge of local market. However, it isstill unclear whether it is a short or long-term advantage. The aim of this paper isto analyze the factors affecting the size and quality of the loan portfolios of thePolish cooperative banks. In the empirical part, the study is based on statisticaldata and panel research, based on individual balance sheet data for the banksaffiliated to the BPS SA. The results confirm that the role of cooperative banksin lending to businesses increases, but also pointed to internal diversity of thesector in this area: growth in loans to the corporate sector was particularly strongfor large banks with strong capital, but also resulted in their declining safety andincreasing bad loans portfolio.

Keywords

PL

cooperative banks, corporate loans, SMEs loans

• Publisher: Szkoła Główna Handlowa w Warszawie
• Journal: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
• Year: 2015
• Volume: 3
• Issue: 2
• Pages: 143-160

Dates

published

2015-12-13

Contributors

author

Krzysztof Kil

author

Ewa Miklaszewska

Identifiers

DOI

10.33119/KKESSiP.2015.2.3.10