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RBI appointed panel suggests 4-tier structure for Urban Co-operative Banks

RBI appointed panel suggests 4-tier structure for Urban Co-operative Banks_50.1

RBI appointed panel under the chairmanship of N. S. Vishwanathan suggests 4-tier structure for Urban Co-operative Banks; minimum CRAR (Capital to Risk-Weighted Assets Ratio) for them could vary from 9 per cent to 15 per cent. A Reserve Bank-appointed committee has suggested a four-tier structure for the urban cooperative banks (UCBs) depending upon the deposits and prescribed different capital adequacy and regulatory norms for them based on their sizes.

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The RBI committee said that UCBs can be split into four categories:

  • Tier-1 with deposits up to Rs 100 crore;
  • Tier-2 with deposits between Rs 100-Rs 1,000 crores;
  • Tier-3 with deposits between Rs 1,000 crore to Rs 10,000 and
  • Tier-4 with deposits of over Rs 10,000 crore.

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RBI appointed panel suggests 4-tier structure for Urban Co-operative Banks_60.1

RBI appointed panel suggests 4-tier structure for Urban Co-operative Banks_70.1

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