FINANCIAL PERFORMANCE ANAYSIS OF

KODUNGALLUR CO-OPERATIVE BANK

Report of the Project Study submitted in partial fulfillment of the

requirements for the MBA (Full time) Degree of Mahatma
Gandhi University

Submitted By
ARUN HARILAL ARIKKAT
Reg. No. 52889
2013-15 Batch

ALBERTIAN INSTITUTE OF MANAGEMENT

(A UNIT OF ST. ALBERTS COLLEGE)
Banerji Road, Cochin 682018.
December 2014- February 2015

DECLARATION
I hereby declare that the Project Report entitled FINANCIAL
PERFORMANCE ANALYSIS OF KODUNGALLUR TOWN COOPERATIVE BANK, is a record of bona-fide work done by me in
KODUNGALLUR CO-OPERATIVE BANK during

15 December

2014- 15 February 2015 under the supervision of Mr. Thomas Koshy,

manager of kodungallur town co-operative bank and Mr. Gopesh C.R,
Assistant Professor / Placement Coordinator, Albertian Institute of
Management, for the partial completion of Master Of Business
Administration and that no part of this report has formed the basis for
award of any degree, diploma, associate ship, fellowship or any other
similar title or recognition in any other institution.

Date:
ARIKKAT
Place: Ernakulam

ARUN HARILAL

ACKNOWLEDGEMENT
At the outset, I owe to quote a few people who have contributed a lot
towards the successful completion of this study.

First and Foremost, I thank God almighty, the light of my life granting
me the strength, courage and knowledge to complete this study
successfully.

I express my sincere gratitude to Rev. Fr. Antony Arackal, Manager and

Dr. Rajagopala Nair, Director, Albertian Institute of Management, for
their approvals and kind patronage.

Also I wish to express my gratitude to Mr. Thomas Koshy, manager of

kodungallur town co-operative bank for his unconditional support.

I am immensely thankful to my guide Mr. Gopesh C.R, Assistant

Professor / Placement Coordinator, Albertian Institute of Management,
for his constant support and inspiring me with his enlightened guidance.

Finally, I would like to thank my parents, dear and near ones and all my
friends who have helped me in the completion of the project report.

TABLE OF CONTENTS
Sl.
No.
1

Title
Introduction
1.1 Introduction to the Study

1.2 Review of Literature

1.3 Industry Profile

15

1.4 Company Profile

30

1.5 Statement of the Problem

37

1.6 Scope of the Study

37

1.7 Objectives of the Study

38

Design of the Study

2.1 Research Methodology

39

Data Analysis and Interpretation

3.1 Limitations of the Study

Page No.

69

Findings, Suggestions and Conclusion

4.1 Findings

70

4.2 Suggestions

71

4.3 Conclusion

72

Annexure
Bibliography

LIST OF TABLES

Table
No.

Title of Table

Page
No.

3.1

Table Showing current assets and liabilities

21

3.2

Table Showing quick assets and liabilities

37

3.3

Table Showing absolute liquid assets and current liabilities

38

3.4

Showing table showing long term debt and equity

39

3.5

Table Showing total assets and total debt

43

3.6

Table Showing shareholders fund and total assets

44

3.7

Table Showing fixed assets and shareholders fund

45

3.8

Table Showing fixed assets and total long term funds

46

3.9

Table Showing current assets and shareholders fund

47

3.10

Table Showing net profit and shareholders fund

49

3.11

Table Showing net profit and no. of equity shares

50

3.12

Table Showing net working capital and net assets

51

3.13

Table Showing current assets and net working capital

52

3.14

Table Showing current liabilities and net working capital

53

3.15

Table Showing current assets and fixed assets

54

3.16

comparative statement and trend analysis of the balance sheet

56

LIST OF CHARTS/ FIGURES

Chart
No.

Title of Chart

Page
No.

3.1

Graph Showing current assets and liabilities

22

3.2

Graph Showing current assets and liabilities

24

3.3

Graph Showing absolute liquid assets and current liabilities

25

3.4

Graph Showing long term debt and equity

26

3.5

Graph Showing total assets and total debt

27

3.6

Graph Showing shareholders fund and total assets

28

3.7

Graph Showing fixed assets and shareholders fund

37

3.8

Graph Showing fixed assets and total long term funds

38

3.9

Graph Showing current assets and shareholders fund

40

3.10

Graph Showing net profit and shareholders fund

43

3.11

Graph Showing net profit and no. of equity shares

44

3.12

Graph Showing net working capital and net assets

45

3.13

Graph Showing current assets and net working capital

46

3.14

Graph Showing current liabilities and net working capital

47

3.15

Graph Showing current assets and fixed assets

49