Read the passage carefully and answer the question: Cooperative banks in India play a critical role in providing financial assistance to the agricultural sector and rural areas. Unlike commercial banks, which are driven primarily by profit maximization, cooperative banks operate on the principle of mutual help and cooperation. They are structured as a three-tier system: State Cooperative Banks at the apex level, District Central Cooperative Banks (DCCBs) at the intermediate level, and Primary Agricultural Credit Societies (PACS) at the grass-roots level. Despite their deep reach, cooperative banks face challenges like rising non-performing assets (NPAs), political interference, and slow adaptation to digital banking platforms. According to the passage, what is the primary difference in operational philosophy between commercial banks and cooperative banks?