Cooperative banks: more risky business? A study of bank risk between cooperative and commercial banks in France, Germany, Italy and Spain.
The aim of this thesis is to investigate the difference between cooperative banks and commercial banks regarding risk. The data set consists of 189 banks from France, Germany, Italy and Spain between the years 2013 and 2021. Three risk variables were discussed and the first is the Z-score. The two other variables are connected to non-performing loans which are loan loss reserve to non-performing l