A Comparative Financial Performance Analysis of Selected Scheduled Urban Co-oprative Banks in India with Special Reference to the State of Maharashtra

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SUCBs help in providing credit facilities at reasonable rates for the development of small and medium scale enterprises in urban areas. The failure of some good UCBs in recent times has made people aware of their savings and investments in the safest way. In this background, the researchers have selected 13 SUCBs of India for analyzing the risk management capability of the SUCBs. Different accounting ratios have been used for analysis. Student's t-test has been used as a statistical tool to test the hypotheses. It has been found that NAMCO and GUCB banks could not maintain GNPA in lower boundary. DER for SARASWAT bank has been observed to be very high. The funding risk for PMC Bank is significantly higher as to meet the depositors' claim in a panic situation. Time test results for SVC, SARASWAT and RNS Bank show poor performances. The risk of failure in the form of bank run for these SUCBs could not be wiped out at all. The researchers have suggested some preventive measures for improving the risk management ability.

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In the co-operative credit movement, the role of apex co-operative banks assumes great significance. They facilitate effective channelisation of resources, do monitoring and control, provide guidance and support for the co-operative initiatives; and as an end result, contribute to the progress of the country as a whole. In order to fulfill the intended objectives, they have to be financially sound and growing. It is in this context, the present paper attempts to evaluate the financial performance of apex co-operative banks in India with special reference to Kerala State Co-operative Bank Ltd (KSCB).

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International Journal for Research in Engineering Application & Management (IJREAM)

Since the start of economic reforms, the banking sectors in India has undergone a lot of churn both in terms of competition and regulation. The Government of India took many initiatives to reform the Cooperative Banking Sector. These Banks must adhere to the various risk management norms of the Government. Thus, the basic intention of this paper was to understand the preparedness of Indian banks and in specific Urban Cooperative Banks (UCB’s) in the context of economic reforms, recent policy developments. Hence, we tried to evaluate the performance of selected banks form the Urban Cooperative and a commercial bank. Evaluation of performance of banking sector is one of the most effective measure as well as indicator in order to evaluate the soundness of any economy. We did the analysis through the CAMEL analysis for the selected banks namely of AXIS and NKGSB bank for the period of 2015- 16 to 2017-18 and are rated accordingly. The result of this research study indicates that the banks have been progressive, but in the wake of any crisis in the financial system or stronger regulations, it might be difficult for these banks to sustain their performance.

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Cooperative structure is a very important part of our financial system especially in rural financing. On grass root level a lot of cooperative societies' function, which help in solving the financial needs of the rural population. District cooperative banks help these societies to raise money by way of loans. Ultimately state cooperative banks are there to finance the needs of the District cooperative banks. This three tier system is working reasonably well in India. This is parallel channel available to rural population to help them in solving their financial issues. Cooperative institutions have their own merits and demerits. Recently we have observed the fall of so many cooperative banks due to their poor financial health. This paper is an attempt to study the performance of two major cooperative banks which are operating in Himachal Pradesh viz.Himachal Pradesh State Cooperative Bank Ltd. and Kangra Central Cooperative bank Ltd. This paper aims to compare the performance of these two banks on certain parameters which would be very helpful to judge the existence and potential of these banks in future.

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Indo-Asian Journal of Finance and Accounting

The objective of the present study is to find out any affiliation among capital adequacy, management ability and profitability in scheduled urban co-operative banks operating in India. Sound management is the key factors behind the performance of banking institutions. A strong capital adequacy absorbs any incidental loss due to the inherent threat of risk-based capital. Over the years, urban co-operative banks have a significant role in mobilising saving and deposits from small investors of lower and middle income groups and purvey credit to small borrowers including priority sectors of society. During the analysis of this study, various accounting and statistical tools were used. Accounting tools include ratio analysis, while analyse the data, arithmetic mean, standard deviation, coefficient of variation, test of significance, correlation coefficient, and multiple regression analysis have been applied. The affiliation of management ability with profitability in terms of cost of deposits and business per employee is found negatively related and non-interest income to working fund has a positive impact on profitability. Keywords: Urban co-operative banks, profitability, correlation, multiple regression analysis

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This paper attempts to contribute to the cooperative banking efficiency literature by investigating the technical efficiency of cooperative banks operating in Jammu & Kashmir (J&K). The study applies Charnes, Cooper and Rhodes (CCR) model (1978) of Data Envelopment Analysis (DEA) and the Banker, Charnes and Cooper (BCC) model (1984). Banks under reference are treated as intermediaries between savers and investors. The estimated results show that three banks are relatively efficient when their efficiency is measured in terms of constant returns to scale and five banks are relatively efficient when their efficiency is measured in terms of variable returns to scale. By improving management of deposits, number of employees, loan advances and investment operations the less efficient banks can successfully achieve efficiency in resource utilization. The results also provide valuable insights to policymakers and managers for improving the efficiency and management of the cooperative bankin.

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