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Abstract

The Credit Agricole Mutuel in France, the Deutsche Genossenschaftsbank in the Federal Republic of Germany, and the Rait't'eisen-Boerenleenbank in the Netherlands have many points in common, or at least many similarities: their history, nature, development in an agricultural and rural environment neglected by the traditional banking system, and primary mission, which is financing agriculture and the cooperative sector. However, after becoming sufficiently large, they began to more closely resemble their competitors, the multipurpose commercial banks. Do the limitations imposed by the need to develop and to use modern management systems create a danger for these banks? Will they lose their originality in a world where uniformity is common fare?

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