Cooperative banks are the smallest bank units functioning on the Polish banking services market in terms of the value of possessed own funds, the number of employed staff and the scope of activity. However, in spite of this fact, their position and significance on the banking services market is steadily increasing. The objective of this paper is to present the effects of cooperative banks activity on the banking services market, their product and service offer and market position with reference to their biggest competitors, that is, cooperative savings and loan associations and the Bank Pocztowy SA (Postal Bank). This analysis will allow to formulate the answer to the question whether cooperative banks are entities which, in spite of their specific activity and increasing market competition, are able not only to stay on the market but also to strengthen their position in the future. The competitiveness of cooperative banks will be analyzed basing on criteria of the number of local agencies and number of served customers and attained economic results.
Financed by the National Centre for Research and Development under grant No. SP/I/1/77065/10 by the strategic scientific research and experimental development program:
SYNAT - “Interdisciplinary System for Interactive Scientific and Scientific-Technical Information”.