PROF. V K SAPOVADIA, FINANCE & ACCOUNTING, INDIAN INSTITUTE OF MANAGEMENT, INDORE, INDIA. Good Cooperative Governance as a Tool to withstand Urban Coop.

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Presentation transcript:

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 Objectives Cooperative banking in India Role of UCBs RNSB- General Background Financial indicators Cooperative indicators Member confidence & reasons Cooperative Governance Conclusion

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

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

Cooperative indicators

Reasons for member confidence Reputation of management Personal relations- Like a family High value perception Customer friendly service record Cost efficient management

Ethical behavior & transparency Dynamic leadership, vision & strategic direction Cooperative values & principles Clear accountability & responsibility Cooperative Governance

Conclusion RNSB’s survival through cooperative bank crisis Good cooperative governance as good business practice

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