District Central Cooperative Banks Research Articles

Balance Sheet Analysis with the Aim of Improving Financial Reporting: A Case Study of DCCB Raipur, India

This paper presents in the form of a case study the process of analysis of the balance sheet and income statement of the District Central Cooperative Bank (DCCB) Raipur. The research presented in the paper is based on the analysis of the official set of basic financial reports, as well as other publicly available data on the DCCB Raipur. As the time component is very important for research of this type, that reports were observed in the paper during only current and the previous years, ie for the period 2021-22. The aim of the research is to assess the financial result and financial position of a given company by examining the structure and dynamics of total income and the distribution of total income, profitability and opportunities to improve the financial position. The results of the research indicate that the bank's strong financial position and profitability are attributed to its efficient operations and strategic financial management, as evidenced by the substantial growth in net income. The bank has effectively managed its assets and liabilities to achieve strong financial health. This positive trend indicates the bank's ability to generate sustainable profits and maintain its competitive edge in the market.

An Analysis of Current Scenario and Future Prospects for District Central Cooperative Bank Raipur, Chhattisgarh, India

In India, cooperative banks play a crucial role in providing financial services to rural and urban areas. Members of these banks, who are usually from the same community or profession, own and run these institutions. The present study intends to analyse the critical evaluation of the cooperative credit sector in India as well as in Raipur. The study examines progress well and highlights the emerging role and challenges of the cooperative sector. The district-level bank representatives were personally visited to gather the data. The primary sources of secondary data will be the DCCBs' published annual reports, journals, audit reports, and office documents. Cooperatives are considered to have immense potential to deliver goods and services in areas where both the state and the private sector have failed.

A Study on the Profitability and Financial Performance of District Central Cooperative Banks in Tamil Nadu

Agriculture has a crucial role in the Indian economy. Institutional and non-institutional sources of agricultural loans exist in India. Institutional credit cooperatives play a significant role in the provision of finance to the agricultural sector. The formation of these societies dates back to 1904 when the first Cooperative Credit Societies Act was passed. The objective was to provide cheap credit to the farmers to relieve them from the clutches of money lenders are thought to be the foundations of the overall cooperative structure. Cooperative societies not only mobilize deposits and provide agricultural and rural credit but also extend credit to priority sectors of the country. Banks' profitability and financial operations are always solid as they expand services to subsidiaries. The present analysis is based on secondary data from the years 2012-13 to 2021-22. The growth of different parameters is done by using Compound Average Growth Rate (CAGR) and profitability and financial performance by using ratio analysis and regression analysis of the data. The poor financial condition affects the growth of banks due to their reliability, liquidity, and profitability. The present analysis is based on secondary data from the years 2012-13 to 2021-2022. This paper deals with the profitability and financial performance of District Central Cooperative Banks (DCCBs) in Tamil Nadu.

Andhra Pradesh State Cooperative Bank: credit beyond convention

Learning outcomes After reading and analysing the case study, the students would be able to understand the various challenges in terms of credit expansion for a rural co-operative bank, discuss the role of an apex co-operative bank within the three-tier credit structure, understand the co-operative banks’ product offerings in the agribusiness space and understand the various styles of leadership and change management models within a rural bank. Case overview/synopsis This case study exemplified the enabling role played by a co-operative credit institution, Andhra Pradesh State Co-Operative Bank (APCOB). It discussed the issues and challenges APCOB faced in mainstreaming an unconventional lending process through its lower tiers. Although the three-tier credit structure played a significant role in the disbursal of short-term loan to farmers, the managing director strongly felt the need to reach out to farmer institutions like farmer producers organization through suitable product offering and right processes. Complexity academic level This case study could serve as an introduction to rural credit co-operatives in MBA courses such as bank management, agricultural finance and rural credit and organizational behaviour. The case study could also be administered as a part of training programmes for state co-operative banks, district central co-operative banks and urban co-operative bank that are involved in planning and execution of development strategies in the area of co-operative banking and agribusiness development. Supplementary materials Teaching notes are available for educators only Subject code CSS: 1: Accounting and Finance.

A Study on the Problems Confronted by the D.C.C. Bs in the Recuperation of Agricultural Loans and Problems Faced by the Borrowers Acquiring Agricultural Loan through D.C.C. Bs in Western Odisha, India

District Central Co-operative Banks (DCCBs) are crucial for lending to the agricultural sector and related industries, serving as a centre of balance for rural finance. The DCCBs had an impact on the growth of farmers in Western Odisha by altering crop patterns, increasing productivity, creating job possibilities, raising incomes, and adopting new technologies. For the present study Five DCCBs in Western Odisha were taken for investigation for the present study. The analysis was based on primary data that were gathered in 2020–21. Loan recoveries were a concern that banks were dealing with. In Western Odisha, DCCBs disbursed loans more than 70% under category I (up to 3 lakhs), and more than 80% under category II (more than 3 lakhs), according to the NAFSCOB report, In the research area, PACS and "Kisan Credit Cards" were the primary methods used to disburse agricultural loans to farmers. Further data analysis revealed that the borrowers' biggest issue, which affected 77.6% of them, was the delay in loan disbursement, followed by the short repayment period, which affected 73.2% of them. The borrowers' least issue, which affected 48.4% of them, related to technical advice from the bank. The main goals of this study were to examine the and variables influencing, and issues faced by DCCBs in Western Odisha.

Financial Performance of Cuddalore District Central Cooperative Bank Limited

This study utilizes both primary and secondary data to assess and analyze the financial performance of the Cuddalore District Central Cooperative Bank Limited. The secondary data was gathered from various sources such as profiles, books, magazines, and websites, while the primary data was collected through the annual report of the bank. The collected data underwent editing, coding, classification, and tabulation, and was further analyzed using various financial tools. Assessing a bank’s performance is crucial in today’s competitive banking landscape, as it enables them to develop their business strategies.Despite the ongoing use of financial ratio analysis by regulators for evaluating bank performance, opposition to this method persists, with opponents introducing new tools that aim to provide a comprehensive assessment of a bank’s overall efficiency. This research paper aims to determine the effectiveness of the CAMEL (Capital adequacy, Asset quality, Management quality, Earnings, and Liquidity) framework in capturing a bank’s overall performance. Additionally, it seeks to identify the relative importance weights of the factors within the CAMEL framework and recommend the most suitable ratios for bank regulators to use in evaluating efficiency.The data for this research is secondary and was collected from the annual reports of the Cuddalore District Central Cooperative Bank over a five-year period (2017-2022). Based on the findings, several suggestions were made to the bank, including providing financial advice to borrowers to enhance their performance and ensuring thorough scrutiny of members’ proposals before loan sanctioning.

A study of state-wise variation in liabilities and assets of district centre Co-Operative Banks in India

District Central Co-operative Bank provides capital to primary agricultural credit societies and accepts the deposits form registered and non registered members of the bank. This bank also control on all credit societies investment, liabilities and assets. It plays a significant role between state co-operative bank and primary societies. This study analysis the stat-wise comparison of liabilities and assets of district centre co-operative banks in India. Gujrat, Andhrapradesh and Tamilnadu are the states where found more fluctuation in the data of liabilities and assets of DCCBs. Thus, it seems that there is difference between banks regarding their capital and number of branches in the district. This variation is calculated by analysis of variance techniques.

Data envelopment analysis in efficiency measuring of District Central Cooperative Banks in India: a case study

Data envelopment analysis in efficiency measuring of District Central Cooperative Banks in India: a case study

Pattern and determinants of non-performing assets (NPA) of Salem district Central Cooperative Bank (SDCCB): A micro level analysis

Pattern and determinants of non-performing assets (NPA) of Salem district Central Cooperative Bank (SDCCB): A micro level analysis

A Study on Customers’ Satisfaction with E-Banking Services with Special Reference to the Madurai District Central Cooperative Bank LTD

The banker you want to supplement should rely more on efficient services and coordinate relationships with clients. The only factor that differentiates the service of one bank from the other is “customer satisfaction” related to the services provided by the bank. This is the most important factor that influences the choice of the bank. The success of banks basically depends on customer satisfaction in relation to new technological services provided by banks. The banking industry is driven mainly by customers, and their survival in a competitive environment depends largely on new technological services provided by them. Technology plays a fundamental role in improving the quality of services provided by banking sectors. One of the technologies that really brought information to the revolution in society is internet technology and, for good reason, is considered the third wave of resolution after the agricultural and industrial revolution. The emergence and adoption of the Internet by the banking sector has eliminated the limitation of time, distance and communication, making the world a real village. Internet banking from anywhere, at any time and used for transactions, payments, etc. On the Internet via a bank, cash register or secure company website. Therefore, basically in online banking, the customer has a one-to-one interaction with the bank’s parties, in which case it is important for the bank to provide high quality services on the Internet. Therefore, unlike the traditional banking sector, online banking involves interpersonal interaction between clients and the online banking system.

Present Status of it Security of Madurai District Central Cooperative Bank, Tamil Nadu

Though the Computerization of Cooperative Banks started during the new millennia, it catches up with Madurai District Central Cooperative Bank during 2010 at a leisure pace only. Initially, an application approved by the TNSCB was in use though it was developed locally. DCCBs of Tamil Nadu were using different types of Software in different regions, and it resulted in a nightmare for Bank Integration and further expansion.Hence adopting the prudential norms, RBI’s IT security policy, NABARD circulars on IT security instructions, continuous monitoring the Banking news and events, Interacting with Bankers in seminars and training, and updating security protocols will surely save the Bank from any kind of Internal and External threat to its IT infrastructure.

Role of Cooperative Banks in Economic Developments: An Empirical Study of Balangir District Central Cooperative Bank, Odisha

As we know a lot of factors are important for an economic development, banking sector plays a pivotal role in Economic development of a country by collecting the extra fund in the form of savings from the general people and by disbursing the same as loan to needy. Successful of macro economic development depends upon micro development. In a country like India cooperative banks have significant impact on economy. They are registered under the cooperative society Act, 1992 & regulated by Reserve Bank of India under Banking Regulation Act, 1949. This study is based on the performance of Balangir district central cooperative bank, issues & operational efficiency.

Role of Cooperative Banks in Economic Developments: An Empirical Study of Balangir District Central Cooperative Bank, Odisha

As we know a lot of factors are important for an economic development, banking sector plays a pivotal role in Economic development of a country by collecting the extra fund in the form of savings from the general people and by disbursing the same as loan to needy. Successful of macro economic development depends upon micro development. In a country like India cooperative banks have significant impact on economy. They are registered under the cooperative society Act, 1992 & regulated by Reserve Bank of India under Banking Regulation Act, 1949. This study is based on the performance of Balangir district central cooperative bank, issues & operational efficiency.

An Empirical Analysis of Non-performing Assets: Pune District Central Co-operative Bank Ltd. Pune

An Empirical Analysis of Non-performing Assets: Pune District Central Co-operative Bank Ltd. Pune

EFFICIENCY IN SANCTION AND DISBURSEMENTS OF LOANS: A STUDY OF BIJAPUR DISTRICT CENTRAL CO-OPERATIVE BANK VIJAYAPUR

Every nation has to move towards the constant progression of growth. The Co-Operative Banks as part of the banking system operating in Rural and Urban areas in reduced scales, caters the financial needs of Rural and Urban sector particularly agriculture and allied activities, trade and commerce and consumer finance. This paper aims to study the efficiency in sanction and disbursement made by Bijapur District Central Co-Operative Bank Ltd. Vijayapur, Karnataka during 2013-14 to 2017-18.The overall performance is efficient in sanction and disbursements of advances as the total advances shows increasing trend and the bank is disbursing loans to every talukas, all areas, and each category of loans. The Bank has managed efficiently to allocate the funds to Priority Sector as well as Non-Priority sectors; this helps the Bank to maintain high profitability by adhering the guidelines of RBI in sanction and disbursement of advances. The performance of the Bank can improve further by enhancing the loan facilities, improving the quality, introducing new products, and attracting the unreached customers.

Analysis of Agricultural Credit of District Central Cooperative Bank Anuppur: with Special References to long Term Agricultural Credit

Analysis of Agricultural Credit of District Central Cooperative Bank Anuppur: with Special References to long Term Agricultural Credit

A LOAN PORTFOLIO EVALUATION OF DISTRICT CENTRAL COOPERATIVE BANKS: A CASE STUDY OF UTTAR PRADESH

Indian Cooperative Banks are the world largest credit institution which serve the credit need of more than 120 million farmers(Rangarajan,1972). These cooperative banks are established to serve for the welfare of rural people and not for the profit maximization. Indian cooperative credit These banks provide credit under various areas such as, agriculture, lives stock, milk, self-employment, setting up small-scale units, personal finance etc. Indian Agricultural Cooperative credit institution are broadly categories in to two types, short term and long term agricultural credit institution. The short term agricultural credit institution have three tire federal structure, at the apex level: State Cooperative Banks, District Central Cooperative Banks at district level and Primary Agricultural Credit Societies, at root level. The District Central Cooperatives Banks(DCCBs) act as intermediary, it provide short and medium term loan to the rural sector. There are total 364 DCCBs operating in country (RBI report, 2017-18), out of which 50 DCCBs operating in Uttar Pradesh (NAFSCOB, 2017-18). The present study evaluate the agricultural and non-agricultural loan distribute by DCCBs of UP for the period of 2013-14 to 2016-17. For the purpose of the study, District Central Cooperative Banks (DCCBs) of UP were divided into 18 zone as per their administrative classification. The study revealed that there is volatility among the zone and some zone performed well in development of rural areas. KEYWORDS: Cooperative Banks, rural people, agriculture, lives stock, milk, self-employment

Path to Financial Inclusion: The Assessment of SHG Beneficiaries in District Central Co-operative Bank, Kakinada, Andhra Pradesh

Path to Financial Inclusion: The Assessment of SHG Beneficiaries in District Central Co-operative Bank, Kakinada, Andhra Pradesh

Data Envelopment Analysis in Efficiency Measuring of District Central Cooperative Banks in India: a case study

Data Envelopment Analysis in Efficiency Measuring of District Central Cooperative Banks in India: a case study

PREDICTIVE ANALYTICS IN HARNESSING FINANCIAL EFFICACY OF BANKS USING CAMEL MODEL

In India, Cooperative Banking has an idiosyncratic position in the rural credit delivery system. Cooperative Banks are providing timely and easy credit to rural people. The financial efficacy of Cooperative Banks is of immense importance for smooth credit disbursement. In the present study, we have taken 17 District Central Cooperative Banks (DCCBs) of Odisha and attempted to measure their efficacy of finance flow. For this purpose we have used the CAMEL model which is based on five parameters like Capital Adequacy, Asset Quality, Management Quality, Earning Ability and Liquidity. Under each parameter two ratios, are calculated for 10 years and DCCBs are ranked according to their score. Synthesized Index Table is developed by taking the average ranks of each parameter and DCCBs are ranked accordingly