Performance Appraisal of Urban Cooperative Banks: A Case Study

Amit Basak

The IUP Journal of Accounting Research and Audit Practices, 2009, vol. VIII, issue 1, 31-44

Abstract: Urban Cooperative Banks (UCBs) figure among the vital segments of the banking industry of the country. They essentially cater to the credit needs of persons of small means. Though some UCBs have performed creditably in the recent years, a large number of them have shown discernible signs of weakness. The operational efficiency is unsatisfactory and characterized by low profitability, ever-growing Non-Performing Assets (NPAs) and relatively low capital base. The large-scale sickness in the UCBs has shaken the public confidence in cooperative banks. In this context, this paper makes an attempt to examine the working and financial performance of the UCBs. To make the analysis simpler and presentable, the author takes up the Contai Co-operative Bank Ltd., one of the leading UCBs in West Bengal for a case study. The objective of the study is to identify and analyze the trend, progress and problems of this bank, to throw light on the problems of swelling NPAs and to offer some meaningful suggestions for improving the efficiency and effectiveness of this bank. The study is based on secondary data and other information provided by the bank in its published annual reports. The relevant data have been collected for the period from 1995-96 to 2006-07. This data have been analyzed with the help of statistical tools like ratios, percentages, averages and trend analysis, chi-square test, and multiple regression analysis.

Date: 2009
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Persistent link: https://EconPapers.repec.org/RePEc:icf:icfjar:v:08:y:2009:i:1:p:31-44

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