Quality and efficiency of credit appraisal play a key role in the overall credit risk management framework of banks by addressing the troika of adverse selection, exposure risk, and default risk. Traditional approaches for credit appraisal primarily use techniques of financial statement analysis...

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...

Soundness of the financial system participants is a key element of the financial stability framework. In India, the banking system plays a dominant role in the overall financial system. Therefore, one of the core objectives of the banking regulations is to ensure the safety of the banks from the...

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...

Empowering people by providing access to affordable banking services is the basic objective of financial inclusion. Microcredit plays a significant role in the process. The focus of this study was to understand the importance of the scale and delivery models on the cost of microcredit and to...

The cooperative movement is one of the most successful models globally for organising and conducting a wide cross-section of economic activities through a social enterprise. With its quintessential vision of balancing the typical profit goals with broader social objectives, the cooperative...

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...