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Bank Performance and Local Economic Conditions Are Polish Cooperative Banks Vulnerable to Regional Downturns

100%
Skała D.
Bezpieczny Bank
|
2015
|
issue 2 (59)
77-95
EN
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.
2
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The effect of board of directors characteristics on risk and bank performance: Evidence from Turkey

80%
Doğan B., Ekşi İ. H.
Economics and Business Review
|
2020
|
vol. 6(20)
|
issue 3
88-104
EN
A bank, particularly in developing countries like Turkey, is one of the most important institutions in the financial sector. Therefore knowing the factors affecting the performance of banks is important for the development of the sector. One of the factors affecting the risk and profitability of banking sector is the internal factors of the banks. The aim of this paper is to investigate the board of directors’ characteristics and its effect on risk level measured by non-performing loans and on bank performance measured by asset profitability using the Generalized Method of Moments (GMM) estimator. Data from nineteen deposit banks for the period 2012–2018 were used. The result of the study determined that the board size, foreign board members and the independent board members have an effect on both non-performing loans and the return on assets.
3
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The impact of the 2008 crisis on the banking sectors of the CEE-11 countries: Multi Level Performance (MLP) score as a synthetic measure of bank risk adjusted performance

80%
Miklaszewska E., Kil K.
Econometrics. Ekonometria. Advances in Applied Data Analytics
|
2015
|
issue 4 (50)
126-141
EN
The aim of this paper was to analyze the long term impact of the 2007-2009 global financial crisis on the banking sectors of CEE countries, in particular in analyzing the consequences of the crisis on bank stability, efficiency and lending policies. Analyzing bank performance and stability, the paper suggests adding a new analytical tool in analyzing risk-adjusted performance: the Multi Level Performance (MLP) Score. The 2008 crisis has illustrated how devastating for the economy the credit crunch could be and how important anti-cyclical lending is for both consumers and businesses. Consequently, in the empirical section the paper analyzes whether the overall performance of the CEE banking sectors, measured, among others, by the MLP Score, was important for loan growth. For the empirical analysis, the paper uses an adjusted dataset on eleven Central and East European Countries (CEE), members of the EU, based on the Bankscope database, employing panel data models for unconsolidated banking data for the 2004-2014 period.
4

Are Cooperative Banks Better Equipped to Weather Financial Crisis than their Commercial Counterparts? Evidence from the Italian Banking Sector before and during the Credit Crisis

70%
Stefancic M.
Organizacija
|
2016
|
vol. 49
|
issue 2
108-126
EN
Background and Purpose: The aim of this paper is to empirically investigate the performance of different types of Italian banks before and during the recent credit crisis with an emphasis on the behaviour of cooperative banks. It is well established in theory that cooperative banks follow more conservative business strategies and care more for stakeholders in comparison to commercial banks. On this background, the paper tries to show the empirical effects of those characteristics on the cooperative bank’s performance during financial distress compared to commercial banks. In fact, the paper can prove that Italian cooperative banks were less exposed to the shocks of the crisis and showed a better performance. Methodology: In order to assess whether cooperative banks performed differently at all from commercial banks during the 2005-2012 period, return on average assets (ROAA), cost efficiency and loan quality have been investigated by means of a sample of 594 Italian banks, pooled OLS and (when possible) a fixed effects estimator. Results: Overall, Italian cooperative banks performed better than other Italian banks during the financial crisis. The quality of loans deteriorated less in these banks than in others, while no significant differences have been observed in terms of ROAA and cost efficiency between these and other banks. Conclusion: My paper provides empirical evidence for a well established theoretically derived hypothesis: Italian cooperative banks operate differently than standard commercial banks which is especially noticeable during times of crisis. The fact empirically demonstrated that different banking models have shown different reactions to the financial crisis and economic downturn has important policy implications. Due to both characteristics of cooperative banks and severe limitations in the financial policies by the Italian government during the credit crisis an ironical pattern has emerged: While Italian cooperative banks were less exposed to the shocks of the crisis, they would have been less able to adjust to them since the financial rescue program was designed primarily for commercial banks.
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