@article{Kołodziej:205476,
      recid = {205476},
      author = {Kołodziej, Elżbieta},
      title = {Banki Spółdzielcze Jako Uczestnik Rynku Usług Bankowych},
      journal = {Roczniki (Annals)},
      address = {2014},
      number = {1230-2016-99538},
      year = {2014},
      abstract = {This paper identifies and examines the share and position  of cooperative banks in bank services market
in Poland  within 2009-2013 as well as presents an assessment of banks  effectiveness. The cooperative banks
are the participants  of bank services market and play very important role in  Polish bank system. Their activity
is tightly bound up with  financing of agriculture and rural areas. The cooperative  banks have the few percent
share in bank services market.  But as far as credits giving for non-financial entities the  cooperative banks
have 6,3% share in 2013. But the greatest  role for cooperative banks to play and their position is  strong in
collecting the cash deposits by households  (12,2%). The cooperative banks generated the higher level  of
cost but their effectiveness shaped at comparable level  to commercial banks. Cooperative banks in Poland
broaden  the scope of services but it should be noted that during  next years it is not possible to exceed more
than ten  percent share on bank services market.},
      url = {http://ageconsearch.umn.edu/record/205476},
      doi = {https://doi.org/10.22004/ag.econ.205476},
}