A study of district central co-operative banks in Uttar Pradesh, India Using the Camel model

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Project Title: A study of district central co-operative banks in Uttar Pradesh, India Using the Camel model
Author: Mr.Raj Sankrit
Advisor: Associate Professor Dr. Om Huvanand
Degree: Master of Business Administration
Major: Finance
Faculty: Graduate Schools
Academic year: 2018

Citation

Sankrit, Raj. (2018). A study of district central co-operative banks in Uttar Pradesh, India Using the Camel model. (Independent study, Master of Business Administration). Bangkok: Siam University.


Abstract

Retrieval of credit is an utmost important process for clinching smooth and free movement of credit cycle. Convenient and well-timed recovery of advances is one of the vital causes for proper functioning of business; continuous flow of funds reduces bad debts and enables the genuine borrower to opt for credit from the financial institutions. Co-operative bank in India engages a crucial capacity in the economic development of the country. They offer appropriate and guarded assistance to the rural people in the form of loans, advances and other services for general purpose, as well as for the agriculture related activities. The triumph of co-operative credit structure in a district is to be conditional of their financial forte. In the present scenario, majority of district co-operative banks are dealing with the problems of deposit mobilization, recovery of loans and advances, bad-debts and non-performing assets. The present study made an attempt to study the trends in components of District Central Co-operative Banks (DCCB’s), deployment of funds, to analyze the issues in relation to funds management in terms of liquidity and earning capacity, capital fairness, quality of assets and to evaluate the financial performance of district co-operative banks with reference on impact of non-performing assets on the working of these banks. This study was embarked with an objective of analyzing the business performance of all district co-operative banks in Uttar Pradesh, India through selective financial components such as number of offices, memberships, cash & bank balances, share capital, reserves, borrowings, investments, deposits, working capital, over dues, profitability and non-performing assets. Present study used secondary source of data of district co-operative banks from the period 2007-2008 to 2016-2017. The financial performance of all 50 branches of the district central co-operative banks were analyzed using trend analysis, compound annual growth rate (CAGR), CAMEL model analysis, mean, standard deviation, range, maximum and minimum.

 

Keywords:  District central co-operative Bank (DCCB’s), CAGR, CAMEL model.


A study of district central co-operative banks in Uttar Pradesh, India Using the Camel model

International Master in Business Administration (IMBA), Siam University, Bangkok, Thailand

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