The Banking model consists of a district central bank for each District in every state of India known with a name as a respective District Central Cooperative Bank. The members and their elected directors who represent a multitude of professional cooperative bodies like Milk Unions, Urban cooperatives, Rural cooperatives, agricultural and non agricultural cooperatives and various others, in turn would elect the bank's President. These banks are collectively represented by a State Apex Central Cooperative bank for each state and it acts as the ultimate bank and apex body for the
DCCB under each state. It has been widely observed all over the country that the local politicians who hold the sway over the cooperatives get elected the president post of the kakinada DCC bank and a president post would mean nurturing for their future political ambitions. However, this trend, which has become a national phenomenon, carries its own advantages and disadvantages.