International Scientific Journal of Engineering and Management

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Cooperative Bank’s Performance & Expansion

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Cooperative Bank’s Performance & Expansion

Vipula Patel,

Dr. Sudipta Das (Guide)

Master of Business Administration

INDIAN INSTITUTE OF INFORMATION TECHNOLOGY, ALLAHABAD

Deoghat, Jhalwa, Allahabad, U.P., India 211012

 

 

ABSTRACT

In today's highly competitive market, urban cooperative banks (UCBs) operate on an equal playing field with commercial banks. They achieve this by effectively implementing the cooperative ideas that underpin their company model, which is owned by its members and whose primary objective is to deliver the best services possible to members rather than maximise shareholder profit. Comparing UCBs, which serve the less fortunate elements of society, to MNC banks, which have no social responsibility, is unfair. Many changes have been made to the UCBs since their inception. UCBs have undergone more significant and radical transformations than other institutions. The abrupt changes in the policy environment of the State and Central Governments regarding the operations of the urban banking system have an impact on the performance of UCBs both directly and indirectly. The urban cooperative banking sector was recognised as one of the most resilient and rapidly increasing segments of the banking system in the early 1990s. It is now one of the weakest, with periodic collapses and oddities. This could be due to a number of factors, including more competition, stricter prudential standards, a lack of personnel planning, an inability to control overhead costs, a failure to evaluate loans, and other constraints. The fact that UCBs have been in India for 100 years demonstrates how stable the bank's resource basis is and how truly financially independent it is. However, there are numerous issues with India's present urban cooperative banking system. Management, financial, operational, and organisational challenges are among them. Unless these concerns are addressed promptly, economic integration and the expansion of the urban banking industry will remain a pipe dream.


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