The Covid-19 pandemic which started in early 2020 negatively impacted the socioeconomic environment due to the widespread incidence of the disease and lockdowns that were necessitated to contain its spread. The pandemic has lasted for more than two years with multiple peaks and troughs having an...

Key Principles of co-operation, namely open membership, democratic control, equal voting rights, not-for-profit orientation, localized operations, and personalized services contribute to the strength of co-operative financial institutions. However, mobilization and management of capital in...

This paper examined the relationship of governance and financial parameters for scheduled urban cooperative banks in India. Governance related parameters such as participation in annual general meetings, low or nil presence of family members in boards, training of staff, etc. were found to have...

In a highly competitive environment, operational efficiency is an important factor for the survival of any organisation and banks are no exception. A comparative assessment of Cost Income Ratio (CIR) shows that the behaviour of CIR and its relationships with other vital financial parameters of...

Given the in-built risks relating to leverage, liquidity, and fiduciary liability in banking, apartfrom tightly regulating the banks, many the jurisdictions have also put in place depositguarantee schemes for bank customers. However, a deposit guarantee scheme provides a restricted coverage, and...

We explore the predilections and approaches of Primary (Urban) Cooperative Banks (UCBs) regarding their business models and positioning. We also examine the relationship between choices of UCBs about their business model and positioning vis. a vis. their key financial parameters. The analysis...

Primary (Urban) Cooperative Banks (UCBs) in India operate under the provisions of the Banking Regulation Act of 1949 – As Applicable to Cooperative Societies (AACS). Considering the large heterogeneity in asset sizes of UCBs and the absence of any regulatory cap on their leverages, the...

Built-in jeopardy in the operations of banks due to their fiduciary responsibility, high leverage, and liquidity gaps necessitates that their financial position and performance remain stable and healthy. The regulatory nudge towards capital adequacy for banks has been intended to make them...

A challenge to the analysis of corporate governance lies in a large number of variables that define and shape it, and hence, identification of the key parameters improves the effectiveness of overall governance. This paper aims at the identification of key governance parameters of scheduled...

The financial system in India has been by and large robust, and there has been no major commercial bank failures. However, notwithstanding a well-regulated structure, several Urban Cooperative Banks (UCBs) have indeed failed and caused losses to depositors and other stakeholders. Therefore, the...