Margins, General Expenses and Efficiency of Spanish Cooperative Banks (2001–2010)Subtitle as needed

Abstract

The objective of this study is to analyze and evaluate the margins, general expenses and efficiency in the sector of Spanish cooperatives banks during 2001–2010. This study is based on an analytical development in the process of change that occurred in the financial sector, specifically with the deposits, during the mentioned period. In this regard, it was found that the advantages that the cooperatives banks had obtained in the past, which had made them competitive, decreased during the current crisis. The basic and ordinary spread of these institutions has been overcome by the margins of commercial banks