Cooperative Banking Sector in Poland Report Now Available.DUBLIN Dublin, city, Republic of Ireland Dublin, Irish Baile Átha Cliath, county borough (1991 pop. 915,516), Leinster, capital of the Republic of Ireland, on Dublin Bay at the mouth of the Liffey River. , Ireland Ireland, Irish Eire (âr`ə) [to it are related the poetic Erin and perhaps the Latin Hibernia], island, 32,598 sq mi (84,429 sq km), second largest of the British Isles. -- Research and Markets (http://www.researchandmarkets.com/reports/c72503) has announced the addition of to their offering. The report: "Cooperative Banking Cooperative banks, also called mutual savings and loans, exist in most parts of the world. They offer financial services on a cooperative basis. Like credit unions, cooperative banks are owned by their customers and follow the cooperative principle of one person, one Sector In Poland Poland, Pol. Polska, officially Republic of Poland, republic (2005 est. pop. 38,635,000), 120,725 sq mi (312,677 sq km), central Europe. It borders on Germany in the west, on the Baltic Sea and the Kaliningrad region of Russia in the north, on Lithuania, " has been devoted to the quickly developing cooperative banking sector in Poland. Report covers both: cooperative banks Cooperative bank may refer to:
The report provides regulatory overview of both cooperative organizations and presents key statistics including: value of assets, loans, deposits and distribution networks of Coop banks and SKOK for years 2000 - 2007 H1. Content Outline: 1. Overview Slide 1: Executive summary Slide 2: Cooperative banking institutions vs. commercial banking sector, assets, network, 2007 H1 Slide 3: Assets, Profits, ROA ROA See: Return on assets ROA See: Right of accumulation ROA See return on assets (ROA). benchmarking , 2007 H1 2. Cooperative banks (BS) Slide 4: Cooperative Banks - Regulatory overview Slide 5: Cooperative banking sector - Organization and Associations, 2007 H1 Slide 6: Sector evolution: number of banks, outlets and employment, 2000-2007H1 Slide 7: Sector evolution: assets and GDP GDP (guanosine diphosphate): see guanine. penetration, 2000-2007H1 Slide 8: Equity of cooperative banks, 2002-2007 H1 Slide 9: Loans and Deposits of cooperative banks evolution, 2000-2007H1 Slide 10: Value proposition of cooperative banks 3. Saving-Lending cooperatives (SKOK) Slide 11: Regulatory overview Slide 12: SKOK - Members and Network evolution, 2000-2007H1 Slide 13: SKOK - Deposits and Loans evolution, 2000-2007H1 Slide 14: Value proposition of SKOK Serving the niche Cooperative banking sector in Poland consists of cooperative banks (Banki Spoldzielcze) and saving-lending cooperatives (SKOK). Both organizations are serving mostly niche markets A niche market also known as a target market is a focused, targetable portion (subset) of a market sector. By definition, then, a business that focuses on a niche market is addressing a need for a product or service that is not being addressed by mainstream providers. . An extensive infrastructure (>18% of all bank outlets in Poland belong to cooperative sector), enabling them to hold a strong position in many rural areas due to lack of other competitors. In terms of products and services, cooperative sector is not particularly innovative and is following the trends from commercial banking sector. The only exception is tailored, segment specific product offers for farmers/employees or incidentally attractive deposit rates above commercial banks level. High growth, lower profitability Within few recent years the cooperative banking sector has been growing quickly (banks assets), and the growth rates Growth Rates The compounded annualized rate of growth of a company's revenues, earnings, dividends, or other figures. Notes: Remember, historically high growth rates don't always mean a high rate of growth looking into the future. exceeded commercial banking sector. Due to specific ownership structure, high serving costs and not strict profit orientation (SKOK are in fact non-profit organizations A non-profit organization (abbreviated "NPO", also "non-profit" or "not-for-profit") is a legally constituted organization whose primary objective is to support or to actively engage in activities of public or private interest without any commercial or monetary profit purposes. ), profitability of cooperative sector is significantly lower than at commercial banks. Naturally cooperative sector is serving less affluent and less demanding customers, and therefore, average revenues and profits per customer are also relatively low. Future Prospects Cooperative sector holds a firm position on the Polish banking market and is expected to keep growing faster than commercial banks. The key reason for growth of the sector is leveraging of EU support funds flowing to rural areas and proximity to the customer. Cooperative sector is also expected to gradually improve its product/service portfolio, becoming an alternative to commercial banks in serving mass retail customers. Companies Mentioned: - Bank Polskiej Spoldzielczosci - Krakowski Bank Spoldzielczy - Mazowiecki Bank Regionalny - Spoldzielcza Grupa Bankowa - Spoldzielcze Kasy Oszczednosciowo - Kredytowe : SKOK For more information visit http://www.researchandmarkets.com/reports/c72503 |
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