IN CO-OPERATIVE BANKS

INTRODUCTION


Co-operative bank in India are registered under the Co-operative Societies Act. A co-operative bank is financial entity which belongs to its members. Its created by persons belonging to the same local or professional community or sharing a common interest.

A state co-operative bank works at the apex level. A central co-operative bank works at the intermediate level. Primary co-operative credit societies works at base level.

Primary co-operative credit society. Central co-operative banks. State co-operative banks. Land development banks. Urban co-operative banks.

INTRODUCTION

In banks Treasury refers to the fund and revenue at the disposal of the bank and day to day management of the same. Consolidated funds of the bank optimally and profitably is called Treasury Management. Treasury management seek to maximize profit and earning by investing available funds at an acceptable level of risk.

` ` `

` `

To maintain current account with RBI for CRR. To invest surplus funds in different instrument. To invest requisite funds in eligible securities to meet the SLR. Funding different bank accounts as per the demand. Continuously monitor the environment and risk to the portfolio. To improve the portfolio return to ensure steady and optimization of returns for the future also.

FRONT OFFICE OPERATIONS. BACK OFFICE OPERATIONS. MID OFFICE OPERATIONS.

Cash Reserve Ratio. Statutory Liquidity Ratio. Dated Government Securities. Money Market Operations. Assets-Liability Management. Risk Management.

INTRODUCTION
`

Handling various kinds of foreign exchange transactions on behalf of firms and corporate dealing in export& import business . Foreign exchange operation of a bank generates sizable income by way of exchange margin interest income.

Front office operations. Back office operations.

Nostro account management. SWIFT arrangement. Product handled by forex treasury.