@article{Kata:340078,
      recid = {340078},
      author = {Kata, Ryszard},
      title = {Kondycja Ekonomiczno-Finansowa Banków Spółdzielczych w  Polsce w Świetle Wyzwań Rynkowych i Regulacyjnych},
      journal = {Roczniki (Annals)},
      address = {2023},
      number = {1230-2024-467},
      year = {2023},
      abstract = {The aim of the article is to assess the economic and  financial condition of cooperative banks in Poland in  2020-2022, i.e. in the period of deterioration of the  conditions of banking activity and the resulting specific  market and regulatory challenges. It has been shown that  many indicators of the activity of cooperative banks have  improved compared to previous years, especially 2017-2019,  or reached levels comparable to those recorded in the years  of economic prosperity. This applies to e.g. return on  assets and return on equity ratios and the loan portfolio  quality ratio. Comparison of the financial results achieved  by cooperative banks in 2020-2022 with the results of  commercial banks shows that in difficult conditions for  banking activity, local banks showed good economic  condition and financial efficiency. However, this does not  change the fact that cooperative banks must continue to  adapt their operating model to modern market and regulatory  challenges, in particular to technological challenges and  growing customer expectations in terms of the quality of  banking services.},
      url = {http://ageconsearch.umn.edu/record/340078},
      doi = {https://doi.org/10.22004/ag.econ.340078},
}