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...

Co-operatives are successful business organisations all over the world and have a presence in almost all spheres of economic activities, including banking and financial services. The success of co-operatives shows that it is possible to simultaneously pursue both economic viability and social...

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...

Banking regulations intend to protect the interest of depositors, reduce the risk of bank failures, minimize the moral hazard, and strengthen the financial stability by controlling the behavior of financial system participants and by building financial buffers. In countries like India, where...

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...

Finding an optimal asset size and consequent scale economies remains a critical challenge for the cost efficiency and profitability of banks. For the Urban Cooperative Banking (UCB) sector, with large heterogeneity in asset size, an understanding of scale economies helps in improving their...

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...

Fixed income securities market is a major source of capital formation and financing for economic activities. Besides, it is a dominant source of funding for sovereigns and investment by banks/financial institutions in the Government Securities (G-Sec) market. G-Sec markets also provide a proxy...