ANYONYA SAHKARI BANK , BARODA
• 126 YEARS OLD
• BEFORE COOPERATIVE Act
• BEFORE B.R Act
• OVER CONFIDENCE
CRISIS STARTED WITH EXPLOSION OF INFORMATION COUPLED WITH REUMERS
D. DAY
9 th MARCH 2001
RUN ON ALL CO-OPERATIVE BANKS
How to manage ???
CHAIN EFFECTS AND RESULTS
Why Crisis Is Created ?
- MIS-MANAGEMENT.
- IMPRUDENT LENDING – FAULTY APPRAISAL MECHANISM & LACK OF PRUDENT POLICIES.
- FRAUDS.
- LACK OF MANAGEMENT CONTROL & MONITORING.
- UNVIABLE INTEREST RATES STRUCTURES FOR DEPOSITS & ADVANCES.
- EXTERNAL PRESSURES FOR LENDING TO UNVIABLE BORROWERS.
- INVESTMENTS IN WRONG PRODUCTS.
- LACK OF PROPER RECOVERY MECHANISM.
- ASSET LIABILITY MIS-MATCH.
(B) NON-PROFESSIONAL ATTITUDE.
(C) OVER CONFIDENCE.
(D) REGULATORS CONDUCT.
CONDUCTORS OF CRISES INFORMATION
INFORMATION ABOUT IMPENDING CRISES IS BEING SPREAD BY ONE OR MORE OF THE
FOLLOWING :
à MEDIA
- EMPLOYEES
- CUSTOMERS
- DEPOSITORS
- MEMBERS
- GROUPISM / POLITICAL SOURCES
CRISES MANAGEMENT
THIS IS AN ONGOING PROCESS.
CERTAIN LEVEL OF PREPAREDNESS FOR
FACING A CRISES SHOULD BE PERMANENTLY
THERE. |
