ISSN NO: 0974-4274(PRINT), ISSN NO: 2582-1148(ONLINE)

  • Enlisted in UGC CARE Group - 1

  • Listed in Ulrich's Periodicals Directory

  • Indexed in J-Gate

  • Licensor for EBSCO

  • Listed in Proquest

  • Included in Google Scholar

  • Accessed in DOAJ

Performance of State Co-operative Bank in India : An Overview

Year 2010
Volume/Issue/Review Month Vol. - 3 | Issue 2 | July
Title Performance of State Co-operative Bank in India : An Overview
Authors Tarasankar Das , Dr.Swagata Sen
Broad area Performance of State Co-operative Bank in India
Abstract
Co-operative banking sector in India has emerged as a significant
component of the financial system, spreading even to the remotest
corner of the country. The State co-operative banks which may also
be called apex bank, stands at the top of the credit structure in a state.
The objective of this paper is to measure the performance of the state
co-operative banks in terms of profitability and the quality of assets.
The measurement of profitability is done using different accounting
ratios. The study shows that the profitability of state co-operative banks
is highly affected by spread, burden and high operating expenses. We
document that the profitability of state co-operative banks is significantly
impacted by non-performing assets and poor recovery of loans. The
study recommends that there is need to increase in non-interest
income, decrease in operating expenses and exercise of careful
scrutiny before advancing loans and proper vigilance afterwards.
Description The Indian cooperative movement, like its counterparts in other countries of the world has been essentially a child of distress. Based on the recommendations of Sir Frederick Nicholson (1899) and Sir Edward Law (1901), the Cooperative Credit Societies Act
File
Referenceses
Dash, T. R., & Sen, K.K. (1998). Co-operatives and Economic Development. Jaipur: Rawat Publication.
Deshmukh, P.G. Working of Co-operative Banks in India, Overview and Prospective. New Delhi:
Kanishka Publication.
Indian Institue of Banking & Finance. (2007). Technology, Risk management and Supervision in Cooperative
Banks.
Jain, S. C., & Jain, N. K. (1982). An Enquiry to Financing Agriculture, by Co-operative Banks and
Commercial Banks.
Madan, G. R. (2007). Co-operative movement in India: A Critical Appraisal. New Delhi: Mittal Publication.
Misra, B. (1997).Cooperative Movement in India: A Case Study of an Indian State. New Delhi: A.P.H
Publishing.
NABARD. Occasional Paper on Recovery Management in Rural Credit.
Ramesha, K. Co-operative Banking and Financial Sector Reforms in India –Agenda for Future
Research. Paper presented at International Conference on Mapping Co-operative Studies in the
New Millennium. Victoria, BC: British Columbia Institute for Co-operative Studies.
Rao, H.S. (2004). Co-operative Banking in New Millennium. New Delhi: Anmol Publication Private
Limited.
Rathod, C.S. An Enquiry in to the Management of District Central Co-operative Banks in Gujrat.
Vadodara:University of Baroda.
Raut, K.C., & Das, S.K.(1996). Commercial Banks in India— Profitability, Growth and Development.
New Delhi: Anmol Publication.
Ravichandran, K., & Mayilsamny, R. (2008).Non Performing Assets in Co-operative Banking.
Delhi:Abhijeet Publication.
Ravindra Prasad, D. (1976). Co-operative Administration: A Case Study of District Central Co-operative
Bank in Andhra Pradesh. Hyderabad: Osmania University.
Reserve Bank of India. Report on Trend and Progress of banking in India.
Sen, K.K.New Economic Policy and the Future of Co-operatives. Jaipur:Rawat Publication.
Singh, S.P., & Singh, S. Financial Analysis for Bank Lending in Liberalised Economy. Mumbai: Himalaya
Publishing House.
Thirunarayanan, R.(1996).Co-operative Banking in India. New Delhi: Mittal Publication.
Tyaoi,. R.B. (1969). Recent Trends in the Co-operative Movement in India. Asia Publishing House.