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...

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...