Asian Journal of Management
Year : 2018, Volume : 9, Issue : 3
First page : ( 1145) Last page : ( 1148)
Print ISSN : 0976-495X. Online ISSN : 2321-5763.
Article DOI : 10.5958/2321-5763.2018.00184.1

Performance Analysis of Ballary district Cooperative Bank in Karnataka

Dr. Maheswari S.*

Asst. Prof. in Commerce, G.F.G.C., Siruguppa

*Corresponding Author E-mail: smahimohan@gmail.com

Online published on 30 January, 2019.

Abstract

A century ago the cooperative movement had dawned in India to eradicate the indebtedness of the people and to accelerate the pace of agricultural production. The cooperative credit system is eminently suited to achieve the desired social, economic changes in rural India. Several committees and commissions as a part of improving the economy of rural sector were constituted to examine the working of cooperative banks with sound business operations including financial performance by evolving various means continuously as well as innovative thoughts to achieve the economic viability as well as commercial feasibility. An important pre-requisite for sound operations of a banking institution majorly lies on the effective mobilization and management of resources. District Central Cooperative banks play a pivotal role in the growth of farming and allied sectors. The quality of services rendered by the cooperative banks can be directly attributed to their capacity in mobilization of resources through various means. The role of cooperative banks is imperative in Indian financial system with broad network in the arena of deploying credit to the productive economic activities as well as employment oriented programmes. The cooperative banks have been rendering yeoman services by adopting an effective funds management approach with inbuilt mechanism based on the principles of cooperation, self help and mutual help. A sound financial management of any institution always depends upon its well developed provisions under by-laws and operative mechanisam being adopted strategically. Procuring the need resources under everchanging competitive environment for optimum business operations is the onerous task for DCCBS. An attempt is made to analyse the performance of various aspects of Ballari DCCB viz membership, branches, share capital, reserves, borrowings, deposits, deployment of credit, working capital, overdues and NPAs by comparing the same with per DCCB in the state of Karnataka.

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Keywords

BDCCB, NPAs, NAFSCOB, Working capital.

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