This research concentrated on the socio-financial qualities of Poland’s co-op banking. The study’s results enabled answering the question of whether the cooperative banks (co-op banks) are exclusively focused on maximum financial effectiveness or faithful to the idea of cooperation, which basically means supporting its membership and community development. The main objective of the study was to determine the influence of internal factors on initiated support to the community within the framework defining the activities pertaining to a business’s social responsibility, as seen for Poland’s co-op banks. A seven-year study period was adopted, i.e., 2011–2017, inclusive. The research indicated that the co-op banks decide about a sum of contributions for community initiatives based on their current condition—according to current profits, current credits volume, total accounts number and considering financial security as expressed by the level of the solvency coefficient of the previous year.

Prediction insolvency is one of the most important issues during creditworthiness assessment, especially in the turmoil environment. That is why the problem of insolvency and bankruptcy prediction has been the subject of numerous studies focused on its causes, consequences, and prediction. The main goal of the study was to develop a prediction model that can be effectively used in practice to analyze and signal the risk of insolvency and bankruptcy of a construction firms. Also, the research must identify the key factors that would allow for early identification of the symptoms of the upcoming financial failure of companies from a construction sector. To reach the goal of the study discriminant analysis, logistic regression and classification trees were used. The final estimated models included nine variables related to the profitability; revenues; liquidity; asset’s structure; and dynamics of own and foreign capitals, some of which referred to the industry and market situation in a construct sector, which is a novelty compared to previous research. What is more, results show that the method chosen to estimate the insolvency prediction model could have an impact on both partial and general effectiveness in the process of creditworthiness assessment.

The purpose of the research was to present solutions used by cooperative banks in implementation of the principles related to the idea of corporate social responsibility and their importance in the opinion of the managers of cooperative banks. The research covered 140 cooperative banks, which accounted for 24.6% of all cooperative banks operating in Poland as of 30 June 2016. Based on the analyzes, it was found that cooperative banks have supported and implemented corporate social responsibility rules and tools since the beginning of their activity. In addition, the respondents pointed out that sponsorship is the most important form of communication with the local community, but cooperative banks, in addition to traditional CSR tools, also employ a number of additional tools, which, in the executives’ opinion, are highly relevant to their operations.

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The main objective of the study was to determine whether the fact that the chairpersons of the boards of cooperative banks in Poland are women, it affects the financial performance of these banks. The study used data for the years 2010-2014 from 40 cooperative banks in Poland. In the course of the study, it was found that the banks managed by women are significantly smaller than men’s managed banks, and hence the financial result is generally lower. However, the financial performance ratios in these banks were generally higher. Smaller banks are generally in rural areas, and banks with a larger total balance sheet are usually located in urban areas.