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Presentation of financial institution PPT FOR BBA AND MBA STUDENTS
- 3. What is co-operative Bank? The co-operative Bank involves autonomous association of persons united voluntarily to meet, in view of the fact that their ownership and their common economic, social and cultural needs through a jointly owned and democratically controlled enterprise. The co-operative structure is designed on the principles of mutual help, democratic decision making and open membershipcontrol are directly vested in the hands of the members. Cooperatives Banks are registered under the Cooperative Societies Act, 1912. And regulated by the Reserve Bank of India under the Banking Regulation Act, 1949 and Banking Laws (Application to Cooperative Societies) Act, 1965. All Co operatives works with the principles of one member, one vote and no profit, no loss
- 4. Structure of co-operative banks
- 5. No of Cooperative Banks in india Scheduled Urban co-operative banks In india, at present, there are 53 scheduled urban co-operative banks in India. State co-operative banks In India, at present, there are total 31 state co- operative banks.
- 6. What is harcobank Haryana State Cooperative Apex Bank Limited (HARCO BANK) occupies a vital position in the State economy and has been financing farmers, rural artisans agricultural labourers, entrepreneurs etc. in the State and serving its depositors for the last 49 years. The Short Term Coop. Credit Structure consists of three tiers i.e. HARCO BANK at State Level having 13 branches and two Extension Counters at Chandigarh and Panchkula. 19 Central Coop.Banks at district head quarters with their 594 branches and 718 PACS catering to the financial needs of 31.26 lacs members who are residing mostly in rural areas of Haryana.The HARCOBANK from the humble beginning in November, 1966 has grown into a sound financing institution of outstanding credit worthiness. The performance of HARCO BANK has been adjudged as the best State Cooperative Bank in the country.
- 7. Financial position of harco bank The performance of HARCOBANK has been healadjudged as the best State Coop. Bank in the country. From the humble beginning in November, 1966, this bank has grown into a sound financing institution of outstanding credit worthiness. The following figures reveal its financial strength and sound health: Rs in crore Sr.no particulars 2014-15 2015-16 2016-17 2017-18 1 share capital 132.61 137.99 143.21 172.57 2 owned fund 566.45 756.53 800.34 850.05 3 deposits 2179.55 3104.91 3740.28 3397.93 4 loans o/s 5904.07 6318.60 5464.17 6771.73 5 working capital 7245.08 8029.50 9127.83 9039.39 6 recoveries 99.95 99.96 99.99 99.99
- 8. Regional Rural Bank Regional rural banks are financial institutions which ensure adequate credit for agriculture and other rural sectors. The equity of a regional rural bank is held by the central government, concerned state government and the sponsor bank.
- 9. No of Regional Banks in India In present there are 56 regional banks in India
- 10. Schemes offered by RRB Refinancing scheme The refinancing scheme is a scheme through which collateral free loans are extended towards persons with disabilities. The refinance scheme undergoes credit guarantee scheme of the government of india.
- 11. Thank you