Synoptic Note on A Study on Financial & Operational Performance of Shivamogga District Central CoOperative Bank Ltd.

, Using Ratio Analysis Submitted By VARSHA.R.HEMARAJU (USN 4JZ12MBA47)

Under the guidance of Mr. Ravisha.N.S

Lecturer Dept. of Management studies J.N.NC.E., (Internal Guide) To

Mr.Manjappa
Genaral Manager SDCC Shimoga (External Guide)

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 of shivamogga 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 Finance 3. KC Shekhar and Lekshmy Shekhar (2007), Banking theory and practice, Nineteenth edition, reprint 2007, Vikas publishing house Pvt. ltd. India.
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Time Activity Chart

Activity Understanding structure, culture and functioning Of the organization. Preparation of research instrument for data collection Data collection Analysis and finalization of report Submission of report Time-line

16-04-2014 to 29-04-2014

30-04-2014 to 13-05-2014

14-05-2014 to 10-06-2014 11-06-2014 to 01-07-2014 2-07-2014 to 8-07-2041

Signature of the Student

Signature of the Guide

Signature of the Director

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