Efektywność spółdzielczego sektora bankowego w latach 1996-97 (na przykładzie Warmińsko-Mazurskiego Banku Regionalnego SA w Olsztynie)

Banking law of 24 June 1994 enabled consolidation of banks into largest capital groups (consortium). This opportunity was taken by large groups of cooperative banks which established Regional Bank in Olsztyn (Warmińsko-Mazurski Bank Regionalny- W-MBR). Banks' association has been motivated by economic efficiency improvement through external capital influx and consequently better access to the credit markets. Without putting more money into the part of co-operative banks their future activities are impossible and they will be forced to close. Financial results of the co-operative banks associated within W-MBR are constantly improving. In 1997 all of them made gross profit (an increase by 19.7 per cent comparing with 1996). Both return on assets (ROA) and return on equity (ROE) were higher in above 91 per cent of surveyed banks. In spite of rise in equity its level is still low (in investigated banks' population at the end of December 1997 it was accounted for PLN 521.8 thousand).