... somewhat the commercial banks in terms of cost efficiency and loan losses. Thus, even before the reassessment of the merits of different ownership structures provoked by the crisis, there was ... Non-commercial retail banks. 1Organizational Structure and Performance in European Banks: A Reassessment Giovanni Ferri*, Panu Kalmi** and Eeva Kerola*** 1 PRELIMINARY. PLEASE DO ... suggests the other bank types outperforming the retail commercial banks. This provides a reason for reassessment of negative perceptions on co-operative and savings (particularly if state-owned)...