ANNEXURE

List of Urban Co-operative Banks in District as on 31-03-2005:

Sr. Banl( Year of Estabiisliment 1. Cosmos Co-operative Bank Ltd., Pune 1906 2. Janata Sahakari Bank Ltd., Pune 1949 3. Rupee Co-operative Bank Ltd., Pune 1912 4. Shree Suvarna Sahakari Bank Ltd., Pune 1969 5. Janaseva Sahakari Bank Ltd., Pune 1972 6. Shri. Satguru Jangli Maharaj Sahakari Bank 1972 Ltd., Pune 7. Pune Peoples Co-operative Bank Ltd., Pune 1952 8. Vishweshwar Sahakari Bank Ltd., Pune 1972 9. Mahesh Sahakari Bank Ltd., Pune 1972 10. Bhagini Nivedita Bank Ltd., Pune 1974 11. Baramati Sahakari Bank Ltd., Pune 1961 12. Vidya Sahakari Bank Ltd., Pune 1974 13. Bharati Sahakari Bank Ltd., Pune 1971 14. IVluslim Co-operative Bank Ltd., Pune 1931 15. Suvarnayug Sahakari Bank Ltd., Pune 1973 16. Seva Vikas Co-operative Bank Ltd., Pune 1971 17. Shivajirao Bhosale Sahakari Bank Ltd., Pune 1972 18. Citizens Co-operative Bank Ltd., Pune 1952 19. Pune Urban Co-operative Bank Ltd., Pune 1924 20. Rajgurunagar Sahakari Bank Ltd., 1931 Rajgurunagar 21. Shri. Sharda Sahakari Bank Ltd., Pune 1978 22. Sadhana Sahakari Bank Ltd., Pune 1975 23. Jijannata Mahila Sahakari Bank Ltd., Pune 1974 24. Pune Cantonment Sahakari Bank Ltd., Pune 1973 25. Rajarshree Shahu Sahakari Bank Ltd., Pune 1984 26. Sharad Sahakari Bank Ltd., Pune 1974 27. Sanmitra Sahakari Bank Ltd., Pune 1972 28. Sampada Sahakari Bank Ltd., Pune 1974 29. Pune Merchants Co-operative Bank Ltd., Pune 1924 30. Ajit Sahakari Bank Ltd., Shirur 1995 31. Sopan Kaka Sahakari Bank Ltd., Saswad 1997 32. Shri. Laxmi Co-operative Bank Ltd., Pune 1972

457 Sr. Bank Year of Establishment 33. Lala Urban Co-operative Bank Ltd., 1974 Narayangaon 34. Pawana Sahakari Bank Ltd., Pune 1973 35. Pimpri-Chinchwad Sahakari Bank Ltd., Pimpri 1997 36. Siddharth Sahakari Bank Ltd., Pune 1996 37. Agrasen Urban Co-operative Bank Ltd., Pune 1996 38. Udyam Vikas Sahakari Bank Ltd., Pune 1998 39. Indapur Urban Co-operative Bank Ltd., Indapur 1997 40. Prerana Co-operative Bank Ltd., Thergaon 1998 41. Pune Municipal Corporation Servants Co­ 1914 operative Bank Ltd., Pune 42. Lonavala Sahakari Bank Ltd., Lonavala 1999 43. Dharmavir Sambhaji Urban Co-operative Bank 1998 Ltd., Pimpri-Chinchwad 44. Indriyana Co-operative Bank Ltd., Pune 2000 45. Defence Accounts Co-operative Bank Ltd., 1906 Pune 46. Annasaheb Magar Co-operative Bank Ltd., 1998 Pune 47. Shri. Ganesh Sahakari Bank Ltd., Navi Sangvi 1997 48. Walchandnagar Sahakari Bank Ltd., 1960 Walchandnagar 49. Pune Sahakari Bank Ltd., Pune 2003 50. Navjeevan Nagri Sahakari Bank Ltd., Pune 1996 51. Jai Bhavani Sahakari Bank Ltd., Pune 1972 52. Shri. Laxmi Krupa Urban Co-operative Bank 1997 Ltd., Pune 53. Lokseva Sahakari Bank Ltd., Pune 1997 54. Ramrajya Sahakari Bank Ltd., Pune 1997 55. Jai Hind Urban Co-operative Bank Ltd., Pimpri- 1998 Chinchwad 56. Shri. Ganesh Sahakari Bank Ltd., Pune 1952 57. Shri. Gajanan Lokseva Sahakari Bank Ltd., 1999 Pune 58. Daund Urban C-operatlve Bank Ltd., Daund 1998 59. Haveli Sahakari Co-operative Bank Ltd., Pune 1999 60. Shri. Jyotlba Sahakari Bank Ltd., Pune 1998 61. Shri. Chattrapatl Urban Co-operative Bank Ltd., 1998 Pune

458 Sr. Bank Year of Establishment 62. Ashok Nagari Sahakari Bank Ltd., Pune 1999 63. Shri. Anand Sahakari Bank Ltd., Pune 2000

LIST OF SCHEDULED URBAN CO-OPERATIVE BANKS IN INDIA

1. The 2. The 3. The 4. The 5. The 6. The 7. The 8. The 9. The 10. The 11. The 12. The 13. The 14. The 15. The 16. The 17. The 18. The 19. The 20. The 21. The 22. The 23. The 24. The 25. The 26. The 27. The 28. The

459 29. The Goa Urban Co-operative Bank Ltd., Panaji, Goa. 30. The A.P. Mahesh Co-Op. Urban Bank Ltd., Hyderabad. 31. The Vasavi Co-Op. Urban Bank Ltd., Hyderabad. 32. The Khamgaon Urban Co-Op. Bank Ltd., Khamgaon. 33. The Nagpur Nagrik Sahakari Bank Ltd., Nagpur. 34. The Shikshak Sahakari Bank Ltd., Nagpur. 35. The Akola Janata Commercial Co-Op. Bank Ltd., Akola. 36. The Akola Urban Co-Op. Bank Ltd., Akola. 37. The Janalakshmi Co-Op. Bank Ltd., Nashik. 38. The Punjab & Co-Op. Bank Ltd., Mumbai. 39. The Nagar Urban Co-Op. Bank Ltd., Ahmednagar. 40. The Ichalkaranji Janata Sahakari Bank Ltd., Ichalkaranji. 41. The Jalgaon Janata Sahakari Bank Ltd., Jalgaon. 42. The Karad Urban Co-Op. Bank Ltd., Karad. 43. The Mandvi Co-Op. Bank Ltd., Mumbai. 44. The Nutan Nagarik Sahakari Bank Ltd., Ahmedabad. 45. The Sardar Bhiladwala Pardi PeoplesCo-Op. Bank Ltd., Kila Pardi, Valsad. 46. The Co-Op. Bank of Ahmedabad Ltd., Ahmedabad. 47. The Visnagar Nagarik Sahakari Bank Ltd., Visnagar. 48. The Amanath Co-Op. Bank Ltd., Bangalore. 49. The Charminar Co-Op. Bank Ltd., Hyderabad. 50. The Indian Mercantile Co-Op. Bank Ltd. Lakhnow. 51. Bharati Sahakari Bank Ltd. Pune. 52. Solapur Janata Sahakari Bank Ltd. Solapur. 53. Bharat Sahakari Bank Ltd. Thane. 54. Zorostrian Co-operative Bank Ltd. Mumbai. 55. Pravara Sahakari bank Ltd. Pravaranagar.

Source: RTPBI 2001-02. (Updated as on 31/3/2007)

460 Circulars About Different Issues Related to UCBs (After 1995)

Sr. No. Circular subject to Issued on Investments:

1. Maintenance of CRR and SLR Apr. 4, 2001, Aug. 26, 2004, Feb. 26, 2005.

2. Investment Feb. 8, 2005 3. Master Circular Feb. 26, 2005 4. Investment Portfolio of Banks reporting system Feb. 26, 2005 5. Master Circular on Investment Feb. 18, 2005

6. Investment Portfolio of UCBs Classification and Mar. 28, 2005 Valuation of Investment 7. Guidelines for Classification and Valuation of May 24, 2000, Apr. 23, 2001, Investment Mar. 31, 2002, Sep. 2, 2004.

8. Investment in Approved Securities, PSUs Apr. 24, 1995, Mar. 16, 1996, and CDs Jul. 19, 1996, Nov. 27, 1996 and Feb. 29, 1996. 9. Deposits with State Government July 8, 1995

10. Investment Portfolio of Banks - Transaction Nov. 10, 1997, Nov. 10, 2000, in Securities Apr. 20, 2002, Jun. 7, 2002, Jul. 8, 2003, Apr. 28, 2004.

11. Do’s and Don’ts of dealings in Govt. Securities Aug. 6, 2002

12. Dematerialization of PSU Bonds Oct. 29, 2002, Jun. 7, 2002, Oct. 21, 2003, Feb. 11, 2004. 13. Deposits with other UCBs Apr. 19, 2001, May 17, 2003 and Jul. 28, 2004. 14. Master Circular on Investments by UCBs Dec. 29, 2005.

Distribution of Profits: 15. Distribution of Profits Sep. 19, 2003 16. Extension of DICGC Cover Jun. 22, 1992, Apr. 12, 1993, and Jul. 20, 1993.

461 Loans : 17. Maximum limit on Advances Jan. 16,1996, Aug. 25, 2000 Jan. 18, 2001, Apr. 1, 2002, Feb. 2004, Mar. 10, 2004. 18. Loans to Directors and Relatives Dec. 4, 2002, Jun. 24, 2003, Jan. 18, 2001, Apr. 1,2002, Feb. 11, 2004, Mar. 10, 2004 and Apr. 1, 2005. 19. Loans against Shares / Debentures Apr. 29, 1988, Nov. 21, 1998, Apr. 19, 2001, Oct. 22, 2001, Jan. 5, 2004 and Jan. 8, 2004.

20. Advances against the Security Relief Bonds Feb. 27, 2004.

21. Priority Sector Advances (*Master Circular) Dec. 13, 1996, Nov. 10, 1997, Dec. 1, 1997, Nov. 18, 1998, Jan. 30, 1999, Dec. 22, 1999, Jul. 13, 2003, Mar. 19, 2004, *Mar. 3, 2004, Jul. 2, 2004.

22. Loans to Builders / Contractors Jan. 11, 2002. 23. Consumer Durables Oct. 16, 1996. 24. Diamond Exports Jul. 28, 2000, Aug. 30, 2001 and Oct. 15, 2001. 25. Equipment Leasing and Hire Purchase Apr. 8, 1996. 26. Food and Agro based Processing and Forestry Aug. 27, 1999.

Loans against- NSC I GovtBonds I Units 27. Salaried Borrowers Oct. 16, 1984, Feb. 8, 1988. 28. Sensitive Commodities Oct. 22 1996, Oct. 10 2000. 29. Loans against Term Deposits and Margin Oct. 26, 1994, May 31, 1996, against Term Deposits Aug. 9, 1996 and Oct. 29, 1999. 30. Reconciliation Procedure for Govt. Loans Jul. 17, 2002 and Jan. 27, 2003. 31. Financing for Housing Dec. 22, 1999, May 14, 2003, Aug. 16, 2004 and Jan. 5, 2005. 32. Industries Producing Ozone Depleting Oct. 21, 1997. Substances (ODS)

462 33. Imports Nov. 10, 1990, Feb. 25, 1991. 34. IT and Software Industry Oct. 5, 1998. 35. NBFCs May 24, 1996, Jul. 1, 2000 and Aug. 25, 2000. 36. SSI Units and Ship Breaking Industry Dec. 2, 1992, Jun. 14, 1993, Jan. 13, 1994, Feb. 26, 1994, May 13, 1997, Jul. 24, 1998, Aug. 27, 1999, May 31, 2000 and May 17, 2005. 37. Bridge Loans / Interim Finance May 17, 199, Dec. 26, 1992 and May 17, 1995. 38. Consortium Lending / Syndication of Credit Feb. 4, 1995 and Apr. 23, 1997. 39. Credit Flow to Minority Community Jun.20, 2002 and Jun. 13, 2003. 40. Management of Advances Portfolio Jul. 16, 1996, Feb. 13, 1997 and Control over Advances Aug. 4, 2004. 41. Transactions in CMM Apr. 1, 2001. 42. Loans to Nominal Members Oct. 16, 1996. 43. Exposure limit for Secured Borrowers Apr. 15, 2005 and Jul. 13, 2005. 44. Prudential Norms: Dec. 26, 2002, Dec. 2, 2004, Feb. 26, 2005, Mar. 30, 2005 and Dec. 2, 2005. 45. Exposure Limit: Oct. 16, 1984, May 26, 1994 Aug 25, 2000, Apr 1,2001 Apr 15, 2005. 46. Investment Portfolio: Classification of Investment in the - Feb. 18, 2005, Feb. 26, 2005 Govt. Securities, Other approved Securities, Mar. 25, 2005. Shares, Banks, Public Sector Units and Others. 47. Refinance Scheme: Jan. 7, 1995, Oct. 10, 1995 and SIDBI, IDBI, RBI (through SCBs / DCCBs) Apr. 26, 1997.

463 The Scope For Further Research > Management of Urban Co-operative Banks i. Loan management ii. Fund Management iii. Audit Management iv. Relationship Management with Professional approach

V. Technology Management vi. Risk Management etc. > Mergers of UCBs Past, Present and Future > Human Resource Development and UCBs

> Comparative Study of UCBs and Public sector Banks Regarding Priority sector lending > Application of Probability Theory to lending business of UCBs > Application of Game Theory for the interest rate determination of UCBs

> Discovering the Prudential norms for UCBs considering special characteristics of UCBs

Some Concepts Used Regarding Banking 1. Authorized Capital: It is a maximum capital of the bank, which can be raised with the approval of the authority by the bank (subject to change). 2. Paid Up Capital: It is the sold authorized capital 3. Working Capital: Total of the Balance sheet Items, minus contra entries. 4. Reserves Funds: Reserve fund is to be created for the safety of the bank by diverting 25% of the profit to the fund. 5. Other Funds: The funds raised other than capital funds nominated as other reserves. These are not obligatory. 6. Owned Funds: It is the addition of paid up capital and total funds.

464 7. Total Funds: All types of reserves except bad and doubtful debt reserves. 8. Loanable Funds: Resources available for the lending activities. 9. Revaluation Reserve: This represents the revaluation value of the asset minus original book value of the asset. 10. Free Reserves: Free reserves are the reserves, which are not created for the specific purpose 11. Investment Fluctuations Reserves: As per the RBI directives, to protect from the loss due to the fluctuations in the prices of government securities some amount from the profit should be kept as Investment Fluctuations Reserves. 12. Loans and Advances: The amount extended by bank for short term as well as long term to the borrowers of the bank. 13. Deposits: Money accepted from the public by the bank, payable on demand or othenA/ise. 14. Overdues: Amount due of loans but not paid or amount due for renewal but not renewed. 15. GNPA: GNPA is the outstanding of loans in the NPA accounts. 16. NNPA: NNPA is the amount in NPA account - Provisions made against it. 17. Net outstanding: Total loan amount minus recovery effected but not accounted for. ■ Net Advances: Total Loans and Advances - Provision made for standard and substandard assets.

465 18. Asset Classification: It is a classification of the loans outstanding into different categories viz Standard, Sub-standard, Doubtful (D1, D2, and D3) and Loss Assets. 19. Amortization Written Off: Amortization is the amount, paid at the time of purchase of security over and above the face value of the security, which is to be written of over the life period of the security. 20. Depreciation: It is a provision made against negative difference in the market value and the purchase value of the asset. 21. Provision made: Provision indicates the amount of liabilities to be paid in future and the unrecoverable portion of the assets of the bank. e.g. Bad debts. Investment etc. 22. Gross Profit: Gross profit is an excess of income over the expenditure before provisions. G. Profit = Yield on Advances and Investment - Cost of Fund. 23. Net Profit: Gross profit - Provisions. 24. Profit Per Employee: Net Profit / by number of employees 25. Profit Per Office: Net profit divided by number of branches. 26. Total Assets: Total of the asset side of the balance sheet. 27. Total Liability: Total of liability side of the balance sheet. 28. Outside Liability: Total of liability side of the balance sheet minus owned funds of the banks. 29. Volume of Business: Total Deposits plus total loans and advances. 30. Employee Productivity: Volume of business divided by number of employees.

466 31. Priority sector: The sector defined by the RBI to which the banl< must finance to the extent of percentage directed by RBI. 32. Weaker section: The sector defined by the RBI to which the bank must finance to the extent of percentage directed by RBI. 33. Cost of Management: Cost of management = total expenditure - (interest expenditure + expenditure on provision + profit) 34. Administration Cost (Establishment Cost): Administration Cost = Total expenditure - (Cost of management + expenses on salaries and allowances + directors expenses) 35. Cost of Funds: Interest paid on Deposits. 36. Moratorium Period: The break period for loans and advances. 37. CRAR: It is a percentage of owned funds of the banks to the risk weighted assets of the bank. Basel I CRAR = Total Capital / Risk Weighted Assets. Basel II CRAR= Total Capital / Capital Risk + Market Risk + Operational Risk 38. Spread: It is a difference between the average rate of interest received and the average rate of interest paid. 39. Burden: It is a percentage of non-interest income to non-interest expenditure. 40. Deployment of Resources: Judicious and profitable utilization of the resources mobilized in the form of share capital, deposits and borrowings with special obligations. 41. Liquidity: The ability to meet the claims presented for immediate payment.

467 42. Dividend Equalization Fund: As per the MSCSs Act 1960, two percent of total profit is to transfer to dividend equalization fund, which is not obligatory. 43 Swings: Daily changes in the position of Risk weighted assets. 44 Asset Quality: The assets, which brings profit to the bank and augment capital funds. 45 Asset liquidity: The maturity and the marketability of the assets. 46 Tier I and Tire II capital Sr. No. Tier - 1 Capital Sr. No. Tier - II Capital 1. Paid-up Share Capital 1. Undisclosed Reserves

2. General Reserves 2 . General Provisions and Loss 3. Capital Reserves Reserves 4. Building Fund (Max 1.25% of risk assets) 5. Surplus of Profit & Loss A/c. 3. Investment Fluctuation Reserve 4. Revaluation Reserve (Max. 45% of Tier I Capital) 5. Tier II Capital Bonds (Current Maturity more than 5 years) 6. Tier II Capital Bonds (Current Maturity 4 to 5 years) 7. Tier II Capital Bonds (Current Maturity 3 to 4 years) 8. Tier II Capital Bonds (Current Maturity 2 to 3 years) 9. Tier II Capital Bonds (Current Maturity 1 to 2 years) 10. Tier II Capital Bonds (Current Maturity less than 1 year)

468 QUESTIONNAIRES

1 INTERVIEW SCHEDULE FOR THE EXPERTS OF THE UCB SECTOR

“The Progress, Problems and Prospects of UGBs in Maharashtra with Special Reference to Pune District" 1. What do you say about the progress of UGBs? 2. According to you, what are the problems of UGBs? 3. Do you feel that there is a need of such kind of financial organization like UGB? 4. Why scams are manifesting themselves in co-op. banking institutions with regular frequency? 5. The financial health of a large no. of UGBs is extremely fragile. Do you agree with this? 6. What do you think about RBI’s role regarding UGBs? 7. What are your suggestions regarding survival and development of this sector? If any. 8. What are the risks for UGBs in today’s scenario? e.g. credit risk, interest risk etc. 9. What do you say about dual control? Do you think that ending of dual control will solve all the ills of UGBs? 10. What was the beginning of the collapse of this sector? What was Madhavpura episode? - Details please. 11. What do you think about the separate supervisory structure of UGBs (N. Committee - Suggested for Board of financial supervision) - DBOD - Department of Banking and Operations and Development. 12. What are the emerging challenges of UGBs? 13. Gan the sector overcome these challenges? 14. Do you have any alternative for this? 15. What do you think regarding co-operate governance for the effective functioning of any financial entity? 16. Do you feel that the percentage norm of GRAR is necessary and enough?

469 2 QUESTIONNAIRE FOR “BANK CHIEF EXECUTIVE OFFICER’

PERSONAL INFORMATION: 1. Name of the bank 2. Name of the CEO 3. Since when working as a CEO of this bank 4. Total experience of service in bank 5. Educational Qualification 6. Any other special courses completed 7. Area of interest 8. What do you want to be in future? (Your career interest)

INFORMATION ABOUT THE BANK: 1. Name of the bank 2. Registration and RBI License No. 3. Area of operation 4. Address (H.O.) (in detail) 5. The year of establishment 6. With the objective of 7. Established as a bank / society 8. No. of branches 9. Key persons (Please name them) 10. Progress of the Bank from the establishment till today. (Attach separate sheet, if required) 11. A copy of bye-laws 12. Structure of management (please attach separate sheet): 13. List of the Directors and their responsibilities. (Attach separate sheet, if required) 14. What is maximum amount of share holding by per shareholder? 15. What are your investment criteria? 18. What is your bank’s borrowing limit? 19. What is the exposure limit for per borrower or a group?

470 20. What is your opinion about all these above-mentioned norms? PROBLEMS: 21. What are your day-to-day problems while doing banking business in this changed scenario? (with the new policy of RBI since 1993) 22. What are the challenges in future? 23. What is your accounting system? 24. What norm do you follow regarding day-to-day liquidity? 25. What steps do you take to build up the adequate capital and reserves? 26. Have you paid DIG premium? What do you feel about DIC’s role? 27. What about your taxable liability? (in terms of IT, Stamp Duty etc.) 28. Is your bank permitted to undertake FOREX and merchant banking activities? If Yes, do you get benefit from it? Do you want to start them? 29. Why scams are manifesting themselves in co-operative banking institutions with regular frequencies? 30. What is the lending policy of your bank? 31. What is your authority in sanctioning the loans? 32. How do you go for follow up of the loans? 33. To avoid/face the problem of NPAs in future, do you make some provision today? 34. How are you going to fight with the interest war? 35. What is the investment policy in your bank? 36. What is the difference between management of commercial banks and UCBs? 37. What are the merits and demerits of this difference? 38. What efforts you are taking to make your banking competitive enough and to provide good service to clients? 39. What efforts do you take to check unnecessary expenses? 40. For the survival in the cut throat competition, it is necessary to have- a) Sense of unity b) Devotion and honesty of BODs, Employees and Managers. What will be your policy to establish these things? 41. How do you search for the market? 42. Direct relationship with customer is reducing day-to-day due to increase in

471 i/olume of business and branch expansion. Do you agree with this (which is one of the important strength of UCBs.) 43. What will you say about the introduction of prudential norms in case of UCBs? 44. What are the challenges for your bank in future? 45. Do you have any strategy to face such challenges successfully? 46. Do you have any problems to follow these norms? 47. Are you happy with the recent RBI’s policy regarding UCBs? 48. Do you want to suggest anything in this regard? 49. What efforts you take/think for profit maximization or for minimum losses? 50. What do you expect for the successful functioning and progress of your bank from- a) Chairman b) Managing Director c) Members of Board of Directors d) Members of the bank e) Employees f) Depositors g) Borrowers 51. At present what is the objective of your bank? 52. ‘Caring for the Community’ is one of the important principle of co-operation. Is it still alive? 53. What efforts will you take for this? (i.e. to solve the socio-economic problems like poverty, unemployment, population, income inequality etc.) 54. To what extent UCBs help in job creation? (Do you think that there is job potential?) 56. Do you have Treasury Department? If not, is it possible to establish such information window and to appoint treasury experts for the stock market investments? 56 . Since 1997 there are crises in UCBs sector. What problems have you faced? 5 7 . How have you fought them? 5 s . What precaution you have taken and will take to avoid the problems in future?

472 59. What are your stronger points? 60. What are your weak points? 61. What will you say about the future of your bank?

3 QUESTIONNAIRE FOR BANK DIRECTORS 1. What is your intension to become a director of this bank? 2. What role do you play as a director? 3. Directors are held responsible for the crises occurred in the sector of UCBs. What is your opinion? 4. What is your opinion on the decision of RBI regarding bank loans to Directors of UCBs? 5. What are your expectations from various constituents of the sector (Viz. Government, Co-operation department, RBI, Urban Bank Federations, U.B. Associations, Depositors, Borrowers, Members, Employees etc.) 6. What is your contemplation about the future of UCBs?

4 SCHEDULE FOR EMPLOYEE OF URBAN CO.OP BANKS 1. Name of the employee 2. Name of the bank 3. Working as? 4. Since when? 5. What is your nature of work? 6. Are you happy with this? 7. What problems do you face while working? 8. What is your opinion about your seniors and juniors? 9. To what extent your opinion, thoughts, suggestions, warnings are regarded by your seniors for the better functioning of the bank and to get the job satisfaction to employees? a) Superiors b) Juniors c) Regulators d) Legal provisions e) Customers

473 5 QUESTIONNAIRE FOR CUSTOMER 1. Name 2. Age (yrs) 3. Occupation 4. Annual Income 5. Marital Status 6. Name of the Bank 7. Relation with bank - As a a) Depositor b) Borrower c) Member d) Director e) Other 8. Distance to a bank: ■ From office — km ■ From hom e----- km 9. Since when are you dealing with the bank (date) 10. Reasons to be a customer of a bank ■ As a depositor ■ As a borrower 11. Are you satisfied with the services provided by the Bank? Yes / No 12. What is your opinion about the employees of the bank Good / Bad / Average / other than this 13. If good, in what sense? 1) Lenient 2) Trained 3) Decent Behaviour 4) Knowledgeble 5) Skilled 6) Friendly 7) Eager to provide maximum services 8) Any other 14. What are the other services you get from a bank? 15. What are your expectations from the bank? 16. Do you have any complaints against the bank? 17. If you are a borrower - 1) Why you have selected this bank to borrow funds ? 2) Are you a defaulter borrower or regular re-payer? 3) Reason for your loan 4) Date of sanction of the loan

474 5) Have you faced any problems in getting the loans sanctioned? If yes, enlist them 6) What problems do you face in repaying the loan amount? 7) What steps are taken by the bank if you fail to repay the loan amount as per the rules 8) Do you have any suggestion regarding the problems of NPAs? 9) What are your expectations from UCBs as a customer, depositor or borrower? 10) What is you opinion about UCBs (select any one option of the following) a) UCBs are essential b) No problem, if they are not existing c) No need of UCBs d) It’s existence will be worthy if UCBs are faultless / perfect e) Any other Opinion

6 QUESTIONNAIRE FOR BANK ASSOCIATION 1. Name 2. Administrative Structure 3. Objectives 4. Activities (general) 5. What do you do for your member banks? 6. What are the problems of your member banks? 7. What are your policy / strategy to solve the problems? 8. What will you say about future of these banks? 9. What problems do you face In dealing with the responsibility as a Association of Urban Co-operative Banks? 10. What do you expect from- a) Central Government b) State Government c) Department of Co-operation d) Do-operative Legislation e) f) Member Banks

475 11. What are your challenges ahead?

7 QUICK QUESTIONS TO THE ADMINISTRATOR 1. What was the situation when you were appointed as Administrator? 2. How did you deal with the staff after taking over? 3. How did you transform the staff? 4. It is generally believed that once administrator is appointed, Co-operative Banks never improve. Do you agree? 5. What should be the role of the CEO in the Banks? 6. If there is an improvement, what could be the reasons for it? 7. What was your plan after the initial dust was settled? 8. How did you deal with deposits, loans and investments? 9. Can you say something on your recovery efforts? 10. What results you achieved in recoveries? 11. What action did you take to hold back your high value customers? 12. Have you introduced any new products / schemes? 13. What had you done for expenditure cut? 14. What is your future plan for expenditure? 15. Do you see any danger for co-operative banks in future? 16. Do you suggest any alternative to appoint an administrator on problem bank? 17. What would you like to say on current situation regarding UCBs?

476