Język Polski
English
Published
:
2015-02-28
The Relation between the Share of Agricultural Credits in a Credit Portfolio, the Quality of the Entire Credit Portfolio, and Profitability of Selected Cooperative Banks' Assets
Emilia Stola
Artur Stefański
Abstract
The purpose of this study is to show how a chosen group of clients, i.e. farmers, formed their position in the credit portfolio structure and to estimate the influence of changes on the quality of the credit portfolio and banks' profitability, on the basis of selected cooperative banks operating in Poland. Results of the study confirm a decrease in the share of farmer credits in the entire credit portfolio in the years 2007-2014. The second hypothesis which assumes that there is an inverse correlation between the share of farmer credits and the quality of a bank's credit portfolio was also verified positively. A strong inverse correlation has been observed between the variables in the analyzed population of banks. Also, the third hypothesis was positively verified as well. It assumes that there is a positive correlation between the decrease in the agricultural credits share and the deterioration of the profitability of assets, as well as, that this correlation is weaker than in the case of the previous pairs of analyzed variables.(original abstract)Keywords:
Bank credit, Agricultural credit, Return on assets (ROA), Credit portfolio, Cooperative banksMost read articles by the same author(s)
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Stola, E., & Stefański, A. (2015). The Relation between the Share of Agricultural Credits in a Credit Portfolio, the Quality of the Entire Credit Portfolio, and Profitability of Selected Cooperative Banks’ Assets. Zeszyty Naukowe Wyższej Szkoły Bankowej W Poznaniu, 58(1). Retrieved from https://journals.wsb.poznan.pl/index.php/znwsb/article/view/1026