In a country like India, where there is a large chunk of unbanked population, the co-operative banks need to also keep serving the marginal participants as one of their primary objectives and should not be carried away in the race to grow big.
The Banking Union, with its SSM and SRM and their broad powers will not only give tools to handle problems but it will also have a powerful preventive effect. It enhances responsibilities of banks themselves and reduces moral hazard. I foresee such a change in the financial markets which takes place only once in a generation. BIS central bankers’ speeches  3