prof. v k sapovadia , finance & accounting, indian institute of management, indore , india
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Good Cooperative Governance as a Tool to withstand Urban Coop Bank Crisis A Case Study of Rajkot Nagarik Coop Bank, India. Prof. v k sapovadia , Finance & accounting, Indian institute of management, indore , india. Flow of presentation. Objectives Cooperative banking in India - PowerPoint PPT PresentationTRANSCRIPT
PROF. V K SAPOVADIA,FINANCE & ACCOUNTING,
INDIAN INSTITUTE OF MANAGEMENT, INDORE, INDIA.
Good Cooperative Governance as a Tool to withstand Urban Coop Bank Crisis
A Case Study of Rajkot Nagarik Coop Bank, India
Flow of presentation
ObjectivesCooperative banking in IndiaRole of UCBsRNSB- General BackgroundFinancial indicatorsCooperative indicatorsMember confidence & reasonsCooperative GovernanceConclusion
Objectives
To study and analyze critical financial & cooperative indicators of UCBs in Gujarat vis-à-vis RNSB
To investigate reasons of growth for RNSB
To scrutinize governance of RNSB in light of Cooperative Principles & Values
To study whether Good Cooperative Governance is Good Business Practice
Cooperative Banking in India
Banking in India Saving habits of Indian household
Cooperative sector in India Genesis Spread & Success
Cooperative Banking Business model
Types of cooperative banks
Role of UCBs
Genesis
Some numbers No. of UCBs Market share
Growth
Marketshare of Deposits- Bank group w ise
0%
20%
40%
60%
80%
100%
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
UCBs Commerical Banks RRBs RCBs
Rajkot Nagrik Sahkari Bank Ltd.
RNSB- Genesis & background
Members- 220,000
Deposits of INR 6,000 million, advances of INR 4,000 million
Financial indicators
Financial Indicators
0.0
2000.0
4000.0
6000.0
8000.0
10000.0
12000.0
19
96
19
97
19
98
19
99
20
00
20
01
20
02
20
03
20
04
20
05
20
06
20
07
20
08
Year
Rs
. in
Mill
ion
s
0.0
20.0
40.0
60.0
80.0
100.0
120.0
140.0
160.0
Rs
. in
Mill
ion
Deposits Advance Profit
Cooperative indicators
Cooperative Indicators
0
50000
100000
150000
200000
250000
1996 1998 2000 2002 2004 2006 2008
Year
Members
0.0
50.0
100.0
150.0
200.0
250.0
Share capital
(Rs. Million)
Membership Share capital
Reasons for member confidence
Reputation of management
Personal relations- Like a family
High value perception
Customer friendly service record
Cost efficient management
Cooperative Governance
Conclusion
RNSB’s survival through cooperative bank crisis
Good cooperative governance as good business practice
