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Abstract
The level of activity of the customers on the banking market is one of the measurements of demand for
financial services. It allows one to better understand the changes on the banking market. The objective of
this paper is to identify and evaluate the changes in the level of activity of bank customers in the segment of
cooperative banks. The analysis includes the level of activity of the individual customers as well as entrepreneurs
on the deposit and credit markets in the years 1994-2014. The analyses used the Census X-11 method as well
as the Fast Fourier Transform analysis. The level of activity of the customers of cooperative banks undergoes
periodic fluctuations. The cycle and intensity of these fluctuations is different for the deposit and for credit
markets. The deposit market is dominated by the periodical cycles and the credit market by seasonality. Accidental
factors play a surprisingly high role in the changes of the activity levels of the cooperative bank customers.