INTRODUCTION

Co-operative banks are small-sized units organized in co-operative sector

which operate both in urban and non-urban regions. These banks are

traditionally centered on communities, small borrowers and businesses. Co-

operation is a form of organization in which person voluntarily associate

together on a basis of equality for the promotion of economic interest of them.

The term Urban Co-operative Banks (UCBs) refers to primary co-operative

banks located in urban and semi-urban areas. A Co-operative bank promotes

economic activity and provides banking facilities and services to the rural

people. Co-operative lending means to promote thrift, savings, services and

profit is not the chief motto; personalization of credit is the special features of

the co-operative banking.

The co-operative banking system is an integrated one and because of its

three-tier structure, has been enabled to extend credit to agriculturists, artisans

and men in general. The three-tier system also allows a rationalized flow of

resources from the metropolitan centers to the villagers and combines this with

fairly low costs of operation. The object of the NILAMBUR CO-OPERATIVE

URBAN BANK (NCUB) Ltd. No. F 1043 is to undertake business credit

activities. Some of its main function is to borrow funds from members as well

as non-members. These funds utilize for giving loan to the members for

productive purpose to encourage thrift, self-help and co-operative among the

1
members, etc. The present study focused on the lending activities of the

NILAMBUR CO-OPERATIVE URBAN BANK Ltd. No. F 1043.

NILAMBUR CO-OPERATIVE BANK LTD. is a leading co-operative

bank in Malappuram district which serving the customers for a long time since

1939. NILAMBUR CO-OPERATIVE BANK LTD. accepts deposit from the

public and the same time provide loan to the public. The bank is giving loan to

the public for business purpose, construction purpose, marriage purpose, etc.

The bank provides many types of financial assistance to the public and it help in

improving their standard of living. So the bank plays a prominent role for

improving economic conditions of the rural urban people, the study aims to

know effectiveness.

2
ORGANIZATION PROFILE

Registered name : Nilambur Co-operative Urban Bank Limited.

Date of Registration :2nd July 2011.

D a t e o f C o m m e n c e me n t : 4 t h July 2011.

: Vazhikkadavu Panchayath. : 15.39 Crore.

Number of employees as on : 5 employees.

Finacial year : 1st April to 31st March.

Mission : 20 Crore

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SIGNIFICANCE OF STUDY

NILAMBUR CO-OPERATIVE BANK LTD. is a leading co-operative

bank in Malappuram district which serving the customers for a long time since

1939. NILAMBUR CO-OPERATIVE BANK LTD. accepts deposit from the

public and the same time provide loan to the public. The bank is giving loan to

the public for business purpose, construction purpose, marriage purpose, etc.

The bank provides many types of financial assistance to the public and it help in

improving their standard of living. So the bank plays a prominent role for

improving economic conditions of the rural urban people, the study aims to

know effectiveness.

STATEMENT OF PROBLEM

Co-operative banks are engaged in various activities. The statement of problem

is confined to the function of the NILAMBUR CO-OPERATIVE BANK Ltd. F

1043, related to lending activities. The problem is limited to operational aspect

only. The data under study relates to the co-operative year.

The objectives of this study are as follows:

To study about the functioning of the NILAMBUR CO-OPERATIVE BANK

Ltd. in general. ;
To know the lending practices of the NILAMBUR CO-OPERATIVE BANK

Ltd.;
To evaluate the profiteering of the NILAMBUR CO-OPERATIVE BANK

Ltd.;

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 To suggest appropriate measures to improve the efficiency and performance

of the NILAMBUR CO-OPERATIVE BANK Ltd.

RESERCH METHODOLOGY

The method adopted is historical, descriptive, analytical and predictive.

Historical is to study the hygone performance, descriptive is to trace the

historical growth and trends, analytical is to analysis and interrupt the data and

finally predictive is to peep into the future.

SCOPE AND LIMITATIONS OF STUDY

The major limitations of the study are as follows:

The impact of each factor is not analyzed because the study is conducted

with limited period of time.

The data is available for only for a short period.

Due to availability of adequate details, limited time and other certain

constrains, some important indications are not used in this study.

Suggestions for the improvement of the bank are also included on the basis of

this study. Sometimes it may be wrong.

According to report of the co-operative planning committee (1946), Co-

operation is a form of organization in which person voluntarily associate

5
together on a basis of equality for the promotion of economic interest of

themselves.

A study of the National Credit Council presided over by Dr.R Gadgil,

has;The co-operative banking system is an integrated one and because of its

three-tier structure, has been enabled to extend credit to agriculturists, artisans

and men in general. The three-tier system also allows a rationalized flow of

resources from the metropolitan centers to the villagers and combines this with

fairly low costs of operation.

(Business India magazine publishers - Ashok H Advani, distribution India book

house ltd., August 19 to September 1-2002)

According to the Section 5(n) of the Banking Regulation Act 1949, secured loan

or advance means a Loan or an advance made on the security of assets the

market value of which is not at any time than the amount of such loan or

advances.

(Banking Theory and practice, Dr.P.K.Srivastva, Himalaya Publishing House

P.P No-358)

The Reserve Bank of India has said that, restrictions are contained in Section 20

of the Banking Regulation Act, 1949, will apply to grant of loans and advances

to spouse and minor/dependent children of the directors of banks.

(The Hindu, News paper, publishing date 7th February, 2012)

According to the Kerala Co-operative Society Act, State Co-operative Bank

means an apex society having the whole of the state as its area of operation and

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having as its members only other societies with similar objects and declared as

such by the registrar

(Co-operative laws in Kerala, P.N.Mohanan, Kochi)

Chaudhary and Sarmah (1970): Studied the nature and the working of crop loan

system with a view to examine the adequacy of crop loans, and the extent and

the nature of extension to borrower.

Krishna Swami and Palaamthan (1970): Studied the working of the new

simplified procedure adopted by the Land Development Bank for granting

loans.

Section 5(b) of the Banking Regulation Act defines banking as accepting for

the purpose of lending or investment, of deposits of money from the public,

repayable on demand or otherwise, and withdrawal by cheque, draft, order or

otherwise'

(Banking Theory and Practice, Dr.P.K.Srivastva Himalaya Publishing House)

Service Co-operative have been defined by Ministry of community

development A Service Co-operatives is an organization of villages who have

willingly combined for mutual help and co-operation in meeting their common

economic requirements and increasing agricultural production

(Professional Banker- magazine, 2011 August, page: 33)

BANKING INDUSTIRY

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 India is having a well organized banking system dividing mainly into

three categories namely Reserve Bank of India, Commercial Bank and Co-

operative Bank.

Reserve Bank of India is central bank of India. It is apex monetary

institution which supervisors regulates controls and develops the monetary and

financial system of the country it was established on April 1 st 1935 under the

reserve Bank of India Act 1934.

In short all the banking activities are the control of Reserve bank of India

Reserve Bank of India giving proper advices to the Central government and

state government.

SERVICE CO-OPERATIVE BANK.

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 Among the primary agricultural credit societies, Service co-operative

banks occupy an important agency for the benefit of agriculturists and

recommended for their formation throughout the country. A Service Co-

operative can be defined a voluntary form of organization organized on co-

operative principle in such way as to provide its members every kind of service

they might need in their production activities. They advances loan to its

members and accepting deposits of various types and there by afford facilities

for investment to persons of small means. The bank also providing banking

facilities of various to their members and customers. The Service co-operative

have the following function to perform.

To maintain and supply on hire agriculture machinery.

To provide short and medium term loans to the farmers.
To provide essential household needs.
To encourage thrift and savings among the members, so as to make them

Self-sufficient.

CO-OPERATIVE BANKING STRUCTURE

According to divine a a co-operative banking is a mutual society formed,

composed and governed by working people themselves for encouraging small

loans on easy terms of interest and repayment. A co-operative in character and

must deal in credit which satisfies the requirements of an ideal credit. A co-

operative bank promotes to the rural people.

Co-operative banks in India can be divided into two distinct categories,

viz, Primary societies and Finance institutions. The primary societies deal with

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the individuals and do not strictly confirm to the standards of a bank. But since

they perform the function of a bank, i.e. lending money and accepting deposits,

they can be regulated as banks in miniature for the villages. The financing

institutions are banks in the true sense of the term.

CO-OPERATIVE MOVEMENT IN KERALA

The Kerala state came into existence on 1st November 1956 after the re-

organization of states on logistic basis. The geographical area of the state

mainly consists of three parts, namely the former princely states of Cochin,

Travancore and Malabar area of erstwhile Madras province in tune with the

national policy. Travancore and Cochin states were merged into a single unit

and formed the former Travancore Cochin state in July 1949.

The growth of co-operative movement in Kerala was insignificant during

pre-independent era; only 1669 co-operative were functioning in the state with a

total working capital of Rs.92.21 lakhs. The membership and paid up share

capital were Rs.2.05 and 31.79 lakhs respectively. Credit and non-credit

operations during the period were also nominal. Loan disbursed during the year

1946 and Rs. 10.62 lakhs only. Performance in the area of consumer marketing

etc. were also not remarkable when compared to the exquisite achievements

during the succeeding years.

Before the formation of state Kerala, co-operative under the area were

administered by the Travancore co-operative societies Act 5 of 1112(M.E),

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 Cochin co-operative societies Act 1932. After the formation of Kerala

state, the Kerala co-operatives societies Act of 1969 came into force with effect

from 15 May 1969. In order to enact a uniform law on co-operative of Kerala

co-operative societies 1969, societies with unlimited liability ceased to exist and

societies with limited liability came into existence.

COMPANY PROFILE

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 The origin of the bank can be traced back in 1939 when it began its

operations with so members and a share capital of Rs.500/-. The bank now has

grown into a huge institution with 48,882 members, Share Capital of Rs. 15.39

crores as on 31st March 2015. The bank was promoted by the Nilambur

Kovilakam centre Raja Sri.T.N.Manavedan Thirumulpad of Nilambur

Kovilakam was the first member of the bank and Sri.T.N.Veerarajan Raja also

of the Nilambur Kovilakam was the first president. The founding fathers who

with their unfinishing commitment to the principles of the discipline, honesty

and hard work to ensure that this institution always command the loyalty of its

customers and stake holders.

The institution would also march on to glory under the able leadership of

several illustrious personalities, prominent among them being Sri. Poolakkal

Kutty Krishnan Nair who led to the bank for more than 3 decades and who

finally before stepping down from presidency was able to open branches at

Wandoor and Kalikavu and also brought 17 panchayaths under the bank area of

operation thus making the bank financially strong by this time after retirement

of Poolakkal Kutty Krishnan Nair, Sri. E.P.Appukuttan Pillai was elected as the

new president and he led the bank from the front taking it to new heights by

opening eight branches. It was during his future that the bank began the process

of computerization in the year 2000 and the bank became the first fully

computerized urban bank in the State of Kerala and was also considered as the

12
 best bank Urban Co-operative Bank in the State. It was assisted by Sri.

T.N.Godevarma Thirumulpad who played a significant role in the process.

After the untimely demise of Sri.Appukuttan Pillai while still in office.

Sri. T.N.Godevarma Thirumulpad was elected as the next chairman. It was

during his tenure of Sri. T.N.Godevarma Thirumulpad that the bank achieved

success of an unpresidentia! nature. The bank was rated as the best Performing

Urban Co-operative Bank in Kerala and 10lh in the country best by the INDIAN

ACHEIVERS FORUM. In this period the total branch strength goes to 20 and

the bank successfully implemented core banking solutions with RTGS/NEFT

facility.

Sri. Godevarma Thirumulpad stepped down from office on 05-10-2013

after serving the bank as director for more than 50 years out of which more than

10 years were in the post of Chairman.

The present Chairman of the bank is Sri. Aryadan Shoukathali who is the

former Chairman of Nilambur Municipality and the Vice-president is Sri.

Gopinathan.A under their able leadership the bank remains stead fast in its

progress to growth and commitment to society without making any compromise

in the principles of co-operation. The bank is at present celebrating 76 years of

service. The bank has been actively engaged in several charitable activities. The

bank has been always working profit in profit and it has always paid handsome

dividend consistently for the past several years to its stake holders. The bank

has total staff of strength in 140 employees as permanent as on 31st March 2015.

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REGISTRATION:

The banks registration was on 2nd July 2011 under the name

NILAMBUR CO OPERATIVE URBAN BANK Ltd. No. F 1043,

Vazhikkadavu Branch. Its registered office is situated at Nilambur.

OBJECTIVES:

The main aim of the NILAMBUR CO-OPERATIVE URBAN BANK

Ltd. is to collect deposits from members and to provide loans to members. The

other objectives of the bank are as follows:

To encourage thrift, self help and co-operative among members;

To accept deposits from public , repayable on demand or otherwise withdraw

by cheque, draft, order, etc.;

To borrow to raise money;
To land to advance money either upon or without security to members and

others as permitted by the registrar;

To draw, make accept, discount, buy, sell, collect and deal in bills of

landing , railway receipts, warrants, certifications, scripts and other

instruments and other securities whether transferable or negotiable or not;

To grand and issue letters of credit, travelers cheque and circular notes;
To buy and issue letters of credit, travelers cheque and circular notes;

To acquire, to hold, to issue on commission to underwrite and to deal in

stock, debentures, obligation, securities and invest mate of all kinds;

To receive all kinds of bonds, scripts and valuation on deposits or for sale

custom or otherwise; and

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 To purchase and to sell bonds, scripts or other forms of securities on behalf

of constituents.

FUNCTIONS OF NILAMBUR CO-OPERATIVE BANK Ltd.

The functions of the bank are lending money and accepting deposits, banking

function can be classified into two:

Primary Functions:

1. Accepting deposits
2. Lending money

Secondary Functions:

1. Collections of Bills
2. Discounting Bills
3. Providing remittance facility
4. Draft facilities

BORROWINGS:

NILAMBUR CO-OPERATIVE URBAN BANK Ltd. did not receives

any loans and advances from its apex bank. The bank is functioning very well

and profitable without the borrowings from District Co-operative Bank and

State Co-operative Bank.

AREA OF OPERATION:

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 The area of operation is to permit adequate business and at the same time,

effective supervision and control. The area of operation of NILAMBUR CO-

OPERATIVE URBAN BANK Ltd. is confined to the area of Vazhikkadavu

panchayath.

BRANCHES:

The bank has 17 ordinary branches at Nilambur, Wandoor, Kalikavu,

Chungathara, Karuvarakund, Edakkara, Pookuttupadam, Pandikkad,

Akampadam, Karulai, Thiruvali, Thrikalangode, Vazhikkadavu, Thuwur,

Pothukkal, evening branches at Nilambur, Wandoor and Edakkara covering all

the above panchayath areas. The head office situated at Nilambur.

AUDIT CERTIFICATES:

The accounts of NILAMBUR CO-OPERATIVE URBAN BANK Ltd. are

verified and approved by the Joint Registrar of co-operative societies in

Malappuram, it provide undid certificate to the bank.

AWARDS:

NILAMBUR CO-OPERATIVE URBAN BANK Ltd. had achieved The

Best performing Award on:

2008-09 for runner-up;

2009-10 for runner-up;
2010-11 for Imposition;
2011-2012 for 3rd position.

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 The Awards was given to the General Manager and team as NILAMBUR

CO-OPERATIVE URBAN BANK Ltd. representatives.

ADMINISTRATION AND MANAGEMENT:

The management of NILAMBUR CO-OPERATIVE URBAN BANK

Ltd. is vested in Board of Directors elected by its General body subject to

provision of the act and rules of the final authority of the bank shall vest in the

general body. Five members or 1/5 of total number of the share holders

whichever is less, shall constitute a quorum for a General Body.

Board of Directors shall consist of not more than nine directors of which

one shall be a woman and another one shall be from SC/ST. Five directors shall

for the quorum.

MEMBERSHIP:

Member is the key factor for the success of any Urban Co-operative

Bank. The membership in NILAMBUR CO-OPERATIVE URBAN BANK Ltd.

is restricted only to the persons residing in the area of operation of bank and

who are competent to enter into contract.

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 Non agriculturists such as small merchants, traders, artisans, wage earners

and professionals are admitted as well as the government have taken shares.

These are three types of members in the bank:

A class member
B class member
C class member

PRODUCTS /SERVICES OFFERD:

PRODUCTS:

The products offered by NILAMBUR CO-OPERATIVE URBAN BANK

Ltd. are as follows:

Deposits
Loans

DEPOSITS:

Deposits mean any kind of bank account at the bank that allows money to

be deposited and withdrawn by the account holder. These transactions are

recorded on the bank books and the resulting balance is recorded as liability for

the bank and represents the amount owned by the bank to the customer. The

different kinds of deposits are as follows:

Savings bank account

Fixed deposit
Current deposit
Recurring deposit
NRE

LOANS:

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 A loan is a financial arrangements under which an advance in bank to

the borrower. It is granted against collateral security or against personal

security. Loans provided to all classes of members:

Loan against security of gold jewels

Loans against the deposit held with bank
Discounting of bills

Loans except those mentioned above shall be given to A class members only

and the disposal off by the Board of Directors. The branch managers subjects to

the rectification of the Board of Directors sanction all the loans.

Interest to be charge on loan shall be fixed by the Board of Directors in

accordance with Reserve Bank of India guide lines. The bank has a lien on share

capital of the bank against any loan taken by him.

Types of loans:

The loans provided by NILAMBUR CO-OPERATIVE URBAN BANK

Ltd. consisting of the following types:

Navaratna (Gold Loan)

Employees Overdraft
Deposit Loan
Vehicle Loan

Short term loan is a type of loan provided by NILAMBUR CO-OPERATIVE

URBAN BANK Ltd. This loan is providing for non-agricultural purposes. This

loan is provided for a short term period say up to 15 months or below it.

Medium term loans:

19
 Personal Loan
Mortigage Loan
Aditya (for professionals)
Samrudhi (for officers)

This is another type of loan provided by NILAMBUR CO-OPERATIVE

URBAN BANK Ltd. These types of loans are provided not for a short period

and not for too long. These loans are provided for a period of ranging from 15

months to 60 months. These loans are given for many productive purposes.

Long term loans:

House Loan
Personal Loan
Cash Credit (Overdraft)
Surety Loan
Employees Overdraft plus
Parinaya (for Marriage purpose)

Another important category of loans provided by the NILAMBUR CO-

OPERATIVE URBAN BANK Ltd. is long term loans, which is usually for long

period. The loans which grants above 5 years are termed as long term loans.

DOCUMENTS TO BE SUBMITTED FOR MEMBERSHIP AND LOANS:

Membership:

Three copies of passport sized photos

Photocopy of Identity card

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 An identity showing he is not a member of Co-operative Urban Bank in

his/her panchayath

Business Loan:

Land
Purchase certificate
Possession certificate
Tax receipt
Site plan
Business License
KGST registration certificate
Profit and loss account of particular business firm
Balance sheet of particular business firm
Estimate signed by the government licensed engineer
Plan signed by government licensed engineer
NOC from concern panchayath or municipality office

Common purpose Loan:

Document of land
Back document of land
Possession certificate
Land tax receipt
Building tax receipt
Site plan attested by the Village Officer
Photocopy of Ration card

2012. The amount of Total deposits is increasing at an increasing rate and it is

performing quite satisfactory,

21
TOTAL LOANS
Table 4.2: Showing trend analysis of total loans

Year Amount of Total loans Trend percentage

2011-2012 5,26,47,328 100%
2012-2013 9,87,47,756 187.56%
2013-2014 12,92,40,419 245.48%
2014-2015 16,68,67,387 316.95%
(Source of data compiled from the audit report)

Trend Percentage
300%

250%

200%
Trend Percentage
150%

100%

50%

0%
2011-2012 2012-2013 2013-2014

Interpretation:
Table 4.2 and figure 4.2 shows an increasing trend in the year 2011-2012 to

2014- 2015. The percentage in 2014-2015 is 316.95% as compared with 100%

in 2011: 2012. The amount of Total loans is increasing at an increasing rate and

it is performing quite satisfactory.

SHORT TERM LOANS

Table 4.3: Showing trend analysis of Short term loans

Amount of Short term

Year Trend percentage
loans

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 2011-2012 82,17,219 100%
2012-2013 1,84,10,259 224.04%
2013-2014 1,94,36,410 236.53%
2014-2015 1,79,52,259 218.47%
(Source of data compiled from the audit report)

Trend Percentage
250%

200%

150% Trend Percentage

100%

50%

0%
2011-2012 2012-2013 2013-2014 2014-2015

Table 4.3 and figure 4.3 shows an increasing trend in the year 2011-2012 to

2014- 2015. The percentage in 2014-2015 is 218.47% as compared with 100%

in 2011- 2012. The amount of Short term loans is increasing at an increasing

rate and it is performing quite satisfactory

MEDIUM TERM LOANS

Table 4.4: Showing trend analysis of Medium term loans

Year Amount of Medium term Trend percentage

loans
2011-2012 3,74,41,973 100%
2012-2013 6,03,85,833 161.27%

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2013-2014 7,59,16,248 202.75%
2014-2015 10,29,41,944 274.93%
(Source of data compiled from the audit report)

Trend Percentage
300

250

200
Trend Percentage
150

100

50

0
2011-2012 2012-2013 2013-2014 2014-2015

Interpretation:
Table 4.4 and figure 4.4 shows an increasing trend in the year 2011-2012 to

2014-2015. The percentage in 2014-2015 is 274.93% as compared with 100% in

2011-2012. The amount of Medium term loans is increasing at an increasing

rate and it is performing quite satisfactory

LONG TERM LOANS

Table 4.5: Showing trend analysis of Long term loans

Amount of Long term

Year Trend percentage
loans
2011-2012 69,86,199 100%

24
 2012-2013 1,99,52,419 285.59%
2013-2014 3,38,09,668 483.94%
2014-2015 4,59,62,285 657.90%
(Source of data compiled from the audit report)

Trend Percentage
700

600

500

400 Trend Percentage

300

200

100

0
2011-2012 2012-2013 2013-2014 2014-2015

Interpretation:

Table 4.5 and figure 4.5 shows an increasing trend in the year 2011-2012 to

2014-2015. The percentage in 2014-2015 is 657.90% as compared with 100% in

2011-2012. The amount of Long term loans is increasing at an increasing rate

and it is performing quite satisfactory

NET PROFIT

Table 4.6: Showing trend analysis of Net profit

25
 Year Amount of Net profit Trend percentage
2011-2012 5,76,481.75 100%
2012-2013 11,38,558.86 197.5%
2013-2014 23,24,793.26 403.27%
2014-2015 10,49,880.84 182.11%
(Source of data compiled from the audit report)

Trend Percentage
450
400
350
300
250 Trend Percentage

200
150
100
50
0
2011-2012 2012-2013 2013-2014 2014-2015

Interpretation:

Table 4.6 and figure 4.6 shows an increasing trend in the year 2011-2012 to

2014-2015. The percentage in 2014-2015 is 182.11% as compared with 100% in

2011-2012. The amount of Net profit is increasing at an increasing rate up to the

year 2013 -2014 and it is performing quite satisfactory.

FINDINGS

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 The study was conducted on NILAMBUR CO-OPERATIVE URBAN

BANK Ltd. by giving special attention to the loans and advances issued by the

bank on the basis of the analysis the following findings are made.

The short term loans issued by the bank are showing an increasing trend

because people give priority to the short term loans for meeting their urgent

needs.
Similarly the long term loans are showing an increasing trend.
The medium term loans are showing is a decreasing trend. There is a shift

from medium term loan by the customers.

There is no effective system in the bank to evaluate the utilization of loan

taken by the members.

There has been a substantial progress in the loan of the bank during the study

period.
The loan in the bank increased from 5.26 crores to 16.68 crores. It shows a

tremendous growth.
The Net profit shows an increase from 5.76 lakhs to 10.49 lakhs. It shows a

tremendous growth
The overall performance of the bank is satisfactory
The bank is not giving any offers to deposits
The bank mainly concentrates on loans and advances

SUGGESTION

The bank should take necessary steps to find genuine customers for regular

business with bank.

27
 The bank should conduct a awareness program among the public by

highlighting the deposit schemes and loans provided by the bank. This helps

to attract more and more prospective users.

If possible the bank should provide ATM services to the customers
As far as possible the bank should reduce the formalities regarding issuing

loans.
The bank should periodically review the position of loans issued and should

take necessary steps to recover the loans at the earliest. This will help in the

minimization of the non-performing assets of the bank.

New branches should be opened only after through survey about

potentialities of the area and viability of branch.

At the earliest the bank should take necessary steps to fill the vacancies for

providing better services to the customers.

The bank should also concentrate to deposits
The bank should provide offers and attractive interest to deposits

CONCLUSION

The NILAMBUR CO-OPERATIVE URBAN BANK Ltd. started its

functioning since 1939, and has experience of above 76 years in the field of

delivering rural credit to the rural masses. It is providing services such as

deposit mobilization, loans and advances and other relates services.

28
Even though the bank is facing many problems, it is trying to excel competition

by giving various facilities to different sections of rural and urban people.

The bank provide high rate of interest to deposit attract large number of deposits

and moderate rate of interest charged on loan. The bank has no restriction for

mobilizing deposit and they provide many types of incentives to their account

holders for attracting others also.

If we use facilities provided by the bank in proper way both the parties will get

benefits. Deposit mobilization and advances are more or less keeping an

effective proportion. More information about the working of bank to the public

will take the functioning of the bank more effective from the analysis we can

conclude that the performance of the bank shows a satisfactory picture.

1. Books
Co-operation principles problems & practices T N Hajela
The theory of co-operative V Sharada
Co-operation in India Dr. B S Mathur
Law and Practice Banking B S Raman
Organisation and Management structure of Co-operative Bank-M Srinivas

29
2. Journals
The journal of Business studies
The journal of Professional Banker
3. Bank Registers and Report

30