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...

This paper examines the importance of Net Interest Margin (NIM) for banks’ profitability and investigates whether the banks with higher NIM face cost complacency and suffer from adverse selection in their credit decisions and hence, higher Non-Performing Assets (NPAs). It evaluates 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...

The theory and practice of central banking reflect a symbiotic relationship that has gradually evolved along with the financial system. An important milestone has been a heightened focus on financial stability and a greater appreciation of the importance of macro-prudential policy in central...

This paper examines the relationship of financial performance of Primary (Urban) Cooperative Banks’ (UCBs) with their regulatory capital as measured by the capital to risk-weighted assets ratio (CRAR), and financial leverage as approximated by their ratio of assets to net worth. It also makes...

The cooperative movement is one of the successful models globally for organizing and conducting a wide cross-section of economic activities. Notwithstanding their small size in proportion to commercial banks, Urban Cooperative -Banks (UCBs) in India play an important role in the economy through...

Climate change poses perhaps the most catastrophic and less understood risk to the biophysical safety of people, functioning of the financial system and the real economy, across the globe. While there is an increasing consensus on the need to contain the climate risk, it is not very...

The fixed-income securities market is a major source of capital formation and financing of economic activities. Besides, it is a dominant source of funding for sovereigns, and investments by market participants in the government securities (G-Sec) market. G-Sec markets also provide a proxy of...

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...