......Kerala has a three-tier system in the co-operative credit mechanism — State Co-operative Bank at the apex, 14 district co-operative banks in the middle and 2,502 primary co-operative credit societies at the base level. In addition, there are 85 urban co-operative banks and 1,013 employees credit societies, according to SLBC. The high NPA level is a major concern of this sector — the net NPA is 15.31 per cent and the quantum of amount has increased to Rs 414.55 crore. Kerala’s co-operative sector is now set to introduce the core banking facility across all the banks. CBS has already been implemented in State Co-operative Bank and most of the district co-operative banks......
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