Dr Virender Koundal


The present study is an attempt to evaluate the current status of Urban Cooperative Banks in the Indian banking system. For this,
secondary data is used. This study revealed that the UCBs are facing a number challenges. Over the years, urban cooperative
banks have registered a significant growth in term of branches, district covered, ATMs installed and extension counters but
profitability indicators of UCBs have deteriorated. All return on equity, return on assets and net interest margin have fallen. They
have very less total market share. NPAs of the UCBs are increasing. The study suggests that in order to face the challenges, the
urban cooperative banks may follow some of the suggestions like a good corporate governance, professional board of directors,
regular meetings, trained and motivates staff, upgraded infrastructure, latest technology, better customer services in term of cost,
quality and variety, fee based services, suitable risk and liquidity management skills, responsibilities and accountability,
transparency, self regulation and self discipline etc.


Banking system, Urban cooperative banks, Profitability, CAMELS-Rating, NPA

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