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Synoptic Note on
A Study on Financial & Operational Performance of Shivamogga
District Central Co-
Operative Bank Ltd., Using Ratio Analysis
Submitted By
VARSHA.R.HEMARAJU
(USN 4JZ12MBA47)
Under the guidance of
Mr. Ravisha.N.S Mr.ManjappaLecturer Genaral Manager
Dept. of Management studies SDCC
J.N.NC.E., Shimoga(Internal Guide) (External Guide)
To
Department of Management Studies
Jawaharlal Nehru National College of Engg.
SHIMOGA-577204 (Karnataka)
VISVESVARAYA TECHNOLOGICAL UNIVERSITY BELGAUM
In Partial fulfillment of the Requirements for the Award of
the Degree of Master of Business Administration
January 2014
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INTRODUCTION:
The Co-operative bank is a financial entity which belongs to its
members, who are at
the same time the owners and the customers of their bank.
Co-operative banks are often
created by persons belonging to the same local or professional
community or sharing a
common interest and generally provide their members with a wide
range of banking and
financial services like loans, deposits, banking
accounts.Co-operative banks are deeply rooted
inside local areas and communities. The Shivamogga District
Co-operative Central Bank
(SDCC) functions as a central agency between State Co-operative
Bank (State Apex Bank)
and Primary Agricultural Co-operative Societies (PACS) in the
district. A cooperative bank
is a financial entity which belongs to its members, who are at
the same time the owners and
the customers of their bank. Cooperative banks are often created
by persons belonging to the
same local or professional community or sharing a common
interest. Cooperative banks
generally provide their members with a wide range of banking and
financial services (loans,
deposits, banking accounts etc.). Cooperative banks differ from
stockholder banks by their
organization, their goals, their values and their governance.
Present study attempts to
examine the growth of SDCC through selective indicators, it
analyzes the Deposits,Credits
and C/D Ratios of SDCC. This project report also studies the
growth of investment, working
Capital Management in SDCC and analyze the Financial &
operational performance ofshivamogga district central co-operative
bank ltd., using ratio analysis
OBJECTIVES OF THE STUDY
1) To examine the growth of SDCC through selective
indicators
2) To analyze the Deposits, Credits and C/D Ratios of SDCC.
3) To study the growth of investment by SDCC in India.
4) To understand the working Capital and Cost of Management
position in SDCC
REVIEW OF LITERATURE
1. Khan, M. Y., and P. K. Jain. Financial Management; Text,
problems and cases. 7 Ed.New Delhi: Tata McGraw-Hill, 2004.
2. Indian Journal of Finance3. KC Shekhar and Lekshmy Shekhar
(2007), Banking theory and practice,
Nineteenth edition, reprint 2007, Vikas publishing house Pvt.
ltd. India.
