BANK BUTIKOWY NOWY MODEL BIZNESOWY SZANS DLA BANKW SPDZIELCZYCH?

Abstract

The current macroeconomic and political conditions, and above all technological progress, mean that in recent years the condition of the cooperative banking sector has been gradually deteriorating compared to commercial banks. The above premises give grounds to claim that the current operating model of the entire group of cooperative banks, as well as of a single cooperative bank, should be redefined. Remaining with the current models of operation of cooperative banks will maintain the trend of sector consolidation, departure from the idea of cooperatives and moving towards models attributed to commercial banks. The aim of the study was therefore an attempt to present one of the possible concepts for the development of a small cooperative bank as an alternative to the consolidation processes of the cooperative banking sector. An attempt was made to answer the question whether there is space for the functioning of a boutique cooperative bank and what a boutique cooperative bank is and what it can be. The focus was on presenting and transferring the concept of a boutique bank to cooperative banks. Examples of the functioning of boutique financial institutions were presented, which were an inspiration to build a model of a boutique cooperative bank. Solutions were analyzed and various variants of the functioning of commercial boutique banks were discussed as examples of the real success of this form of banking activity. On this basis, an attempt was made to present models of functioning of a boutique cooperative bank.