A SYSTEMATIC LITERATURE REVIEW AND RESEARCH OBJECTIVE OF TREASURY MANAGEMENT OF URBAN COOPERATIVE BANKS

Abstract

Purpose: The current study aims in understanding and reviewing of the literature done in the area of cooperative banking sector and with some special reference of Urban cooperative banks. The paper also helps in identifying the gaps in the study conducted till now, and provides the gate way for further study in the area. One such important area is of the investment pattern and cash flow management which is specifically called as treasury management. Methodology or Approach: To conduct the study literature review of papers, articles and other documents related to the cooperative banks and their activities were reviewed. Major research papers conducted in the area of Cooperative banks, fund management of commercial banks and also some of the highlighted activities under the head of banking sector are also studied in this paper. Conduction of literature survey gives an idea to identify the research gap and area available for study further. Special reference given to the Urban cooperative banks which are creating major part of cooperative sector in financial inclusion and money management in rural, urban and semi urban areas of Karnataka. In the study flow, research gap was identified for further study and they were scrutinized using ABCD and SWOC models to understand in academic method. Findings: After in-depth study of literature on UCB and other cooperative banks, it was clear that there is huge scope for study in the area of the banks fund management and treasury management activities which happens as a daily routine work in all the banks. There are better opportunities available for the banks to conduct their investment and sourcing of funds in increasing the mobility of funds to make much profit. But still these cooperative banks are restricted themselves in to specific area of business and this has to be promoted well to develop the UCB’s so that they can compete with the other commercial banks. Originality/value of the study : Here it is not just the study of financial performance of the UCB and other cooperatives, but their investment activities were also included in the study. These type of study are very rare, since many researchers only conducted study on profitability, financial position and growth of cooperative banks only. However in the current study more concentration was given for the treasury management of UCB’s under the heads of cooperative banks. The study will be more effective and useful for the society and even for the organisations in understanding the fund management activity. Paper type : Systematic literature review paper. KEY WORDS: Cooperative, UCB, Fund management, Cash flow, Investment, Performance analysis, Banking, Sources of funds.