Finanse, Rynki Finansowe, Ubezpieczenia

After global financial crisis cooperative banks, because of the their diversity in lending compared to commercial banks, have become a subject of interest of many scientists. The question is, whether relationship banking, which is presented by cooperatives bank, plays an important role in providing loans in the post-crisis period. The aim of this paper was to appear literature review about lending activity of the local credit institutions and analysis of generate loans by cooperative banks. The sample 370 cooperative banks in Poland over the period 2007–2012 is divided into three research subsamples of average asset. The result is that local banks annually increase the average level of loans. In addition, the lending activity of credit institutions with the highest level of assets exceeds five times the value of loans in medium-sized banks and is three times larger than the lending activities of the small banks. In all sample, the loans to assets increased to 2011. In the period 2011–2012 loans/assets were decreasing, and in 2012 fluctuated about 90% for all three subsamples. Average loan growth for large and medium banks during the period 2008–2012 was significantly reduced, with the exception in 2009–2010, which was a relatively constant level. The process of reducing the loans growth of small bank in 2008–2010 was non-significantly changed, compared to the years 2010–2012. In this period small banks reported significant decline by the supply of credit.