Question
Which of the following is NOT a
difference between a commercial bank and a cooperative bank?Solution
| Cooperative Banks | Commercial Banks |
| Co-operatives banks are co-operative organizations. | Commercial banks are joint-stock banks |
| Governed by the Co-operative Societies Act as well as Banking Regulation Act | Governed by the Banking Regulation Act |
| Subject to the rules laid down by the Registrar of Co-operative Societies | Subject to the control of the Reserve Bank of India directly |
| Borrowers are member shareholders, so they have some influence on the lending policy of the banks, on account of their voting power | Borrowers of commercial banks are only account- holders and have no voting power as such → Voting power as per shareholding |
| Have not much scope of flexibility on account of the rigidities of the bye-laws of the Co-operative Societies | Free from such rigidities |
| Do not pursue the goal of profit maximization | Works for profit maximization |
| Smaller in size | Larger in size with wider reach in the country |
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