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Credit portfolio structure in the light of generated risk as a fundamental element of a cooperative bank’s activities

Szopiński Rafał, Płonka Aleksandra

Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska

2024

z. 193

617--632

Purpose: The primary purpose of this paper was to identify and evaluate the optimal structure for the credit portfolio of a specific cooperative bank, with a focus on both efficiency and the resultant credit risk. Design/methodology/approach: The paper outlines strategies for sound credit risk management within the credit portfolio structure. Utilizing variable parameters, it provides various examples illustrating the potential development trajectories of a cooperative bank, along with the consequences of decisions concerning the credit portfolio structure which exemplifies risk management within a banking context and the commitment to pursuing both prudent and stable financial activities. Findings: The research substantiated the idea of formulating an optimal structure for a bank's credit portfolio. It also validated the hypothesis that effective diversification of assets could swiftly recuperate the interest income lost by the examined Cooperative Bank X by increasing other income sources. The study's outcomes affirmed that the cornerstone of effective cooperative bank management lies in maintaining a balanced ratio among various assets, ensuring a sound structure of these assets, and possessing the ability to generate a sufficient level of profit capable of offsetting realized risks. Practical implications: Applying the acquired knowledge and experiences to craft an optimal credit portfolio model for a cooperative bank. Originality/value: Emphasizing the importance of the credit portfolio structure of a cooperative bank as a fundamental tool ensuring the security of business activities, bank reputation, and customer trust.