banking

Enhancing the Capacity of the unbanked (under banked) to consume financial services

Access to safe, easy and affordable credit and other financial services by the unbanked and vulnerable groups, disadvantaged areas and lagging sectors is recognized as a pre-condition for accelerating growth and reducing income disparities and poverty. Access to a well-functioning financial system, by creating equal opportunities, enables economically and socially excluded people to integrate better into the economy and actively contribute to development and protects them against economic shocks.

SBI and its Associate’s Banks in India: Comparative Study of Management Efficiency Using Self Developed Ratio Score Rank Index

The success of any business depends on the management’s efficiency. Consequently to compare management efficiency of last five years starting from 2010 to 2014 in SBI and its Associates Banks in India. Management efficiency ratios have been considered. Data has been analyzed with the consideration of management efficiency ratios. Comparison has been done on the bases of self developed Ratio Score Rank Index.

DEPOSIT MOBILISATION BY CENTRAL CO-OPERATIVE BANKS

The performance of banking business by the cooperative banks in rural and semi-urban areas has been very good. They even perform well in urban and metros where the apex state cooperative banks and district central cooperative banks successfully compete with their counter parts in the banking business market. However, their growth rate in the recent past is not encouraging. A comparison between central cooperative banks and commercial banks reveals that central cooperative banks could achieve a higher growth in deposits and credit because of their proximity to the customers.

AWARENESS LEVEL OF E-BANKING AMONG CUSTOMERS

The world is currently experiencing a foremost change i.e. "The Information Technology Revolution". The foundation stone of this revolution is the innovations and developments in Computing and Telecommunication Technologies. The effect of IT on service sector is large as compared to others. All over the world, the banking sector being a service provider has been observing a big change in its working environment, policies, organizational structure, service delivery channels and deployment of new products. Electronic Banking (e-banking) is a modern banking system.

A STUDY OF CO-OPERATIVE BANKS AND SOME CHALLENGES (A CASE OF THE VARACHHA CO-OPERATIVE BANK)

The origins of the urban co-operative banking movement in India can be traced to the close of nineteenth century. These co-operative societies are based on the principles of co-operation, mutual help, cooperative decision making and open membership.

The term co-operative Banks, though non-formally defined, refers to primary co-operative banks located in urban and semi-urban areas. These banks till 1996, were allowed to lend money only for non-agricultural purposes.

EVALUATION OF CREDIT RISK MANAGEMENT IN DISTRICT CENTRAL CO-OPERATIVE BANKS - A STUDY 5 DCCBS IN GUJARAT STATE

A number of financial institutions have collapsed or experienced financial problems due to inefficient credit risk management systems. The study seeks to evaluate the extent to which failure to effectively manage credit risk led to DCCBs in Gujarat for the year 2007-08 to 2011-2012. It also seeks to establish other factors that led to the banking crisis and to outline the components of an effective credit risk management system. The study found that the failure to effectively manage credit risk contributed to a greater extent to the banking crisis.