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CO-OPERATIVE BANKS

SWOT ANALYSIS (1 OF 2)

Strengths
 Business among members: The bank
focuses on the development of their members

Weakness
 Lack of professionalism: The
members lack right training and educations that is necessary for customer satisfaction

 Trust within the members: Trust is


the key factor for effective functioning of a cooperative bank

 Lack of infrastructure: The banks


lack in implementation of latest technology such as ATMs and computers

 Affordable interest rates: The bank


offers Loans at reasonable interest rates to their members

 Lack of technical knowledge: The


members generally lack domain certification i.e. financial degrees etc.

 Small area of operation: The bank


operates only in a limited area

CO-OPERATIVE BANKS
SWOT ANALYSIS (2 OF 2)

Opportunity
 Large untapped area for Expansion:
As in India, the major part of the population lives in villages

Threats
 Competition: Increasing focus of
commercial banks towards untapped rural sector

 Trust in Cooperatives: Better


understanding among the member and the rural customer

 Increasing interest rates: Increasing


inflation and liquidity fluctuation results in rise in interest rate by the RBI

 Linkage of Cooperatives: Direct


connection with RBI and other cooperatives

 Small network for operation: Unlike


commercial banks, the cooperative banks operates in a limited area

 Government Support: The


government offers subsidies to the cooperative banks that is in turn transferred to the customers

 Changes in Technology: Unable to


adapt to rapid changes in technological environment