Double performance, quantitative production and “strategic decoupling”

Compared to the dominant financial sector, the cooperative banks are developing a specific model characterised by a strong local anchorage, a client base mostly of medium and small local companies, and a choice for social responsible funding.
In this context, a certain kind of evaluation open to the concept of social value creation becomes relevant. Beyond a rigid monetary evaluation of the funding activity (risk and profitability), other dimensions of performance, notably the long term social value created through cooperative banking activity at the local level, must be taken into account.