This research paper attempts to analyses the operational and financial performance of Urban Cooperative Banks (UCBs) in Uttar Pradesh. The analytical frame of the operational tools in terms of the Return on Assets (RoA), Return on Equity (RoE) and Net Interest Margin (RIM) of profitability indicator have been presented. The research paper is based on secondary data collected from annual reports of urban cooperative banks in India an U.P. for the study period i.e. 2003-04 to 2007-08. Ratios are used here with financial ratio analysis (FRA) method which helps to draw an overview about the financial performance of the urban co-operative banks in terms of profitability, liquidity and credit performance. This analysis is helpful to see the current performance, condition of these urban co-operative banks to analyse the financial health. The study findings may be helpful for managing of urban co-operative banks of Uttar Pradesh. The study also identified specific areas for urban co-operative banks to work on which can ensure sustainable growth and development for these scheduled and non-scheduled urban co-operative banks.
