The aim of the research presented in the article was to analyse the legitimacy of the use of scoring models in banking activities, together with the assessment of the effectiveness of this tool in reducing the high value of the NPL ratio in Polish cooperative banks on the example of banks...

Commercial banks are seen as shareholder value maximising banks, whereas savings banks may have a social or regional agenda and cooperative banks focus on providing value for their customer-owners. Hence, it is generally thought that savings and cooperative banks are less profitable than...