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...

Empowering people by providing access to affordable banking services is the basic objective of financial inclusion. Microcredit plays a significant role in the process. The focus of this study was to understand the importance of the scale and delivery models on the cost of microcredit and to...

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...

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...