Apex bank is the only bank that provides to farmer credit from 1904 Its a pioneer in finance allied

d activities agriculture

It has ranked as one of the premier state co-operative bank. It has 31 branches in Bangalore city.
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Karnataka state co-operative apex bank limited has been playing significant role in the dispensation of production credit to the farmers It is an PACS AT village level later to DCCBs at the district level It provides cash credit NABARD has been given best performance award Innovative Administrative building which cost aound 800 lakhs

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Banking exist in babylonia as early as 2000 BC Practice of granting credit existed in ancient Rome Modern banking system developed only after the industrial revolution Indian banking starts by author Manu in his writings called Manusmithi1 and kautilya in his arthashastra

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Vision:They shall be the model of an effective, protective, dynamic and financially sound organization They shall maintain highly trained and motivated professionals They shall contribute to building progressive Mission: Ensuring the best quality of life and success of their farmers, agriculture cooperative societies, DCCB, client and employees who are the reasons for being.
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Housing loan Short-term seasonal agriculture operations Medium term loans Cash credit

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Human resource department Head office section Planning and development Central financing Clearing section Credit department Working

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Strengths

Weakness

Rural development It is an open, proactive, team based and learning Experience in the field of banking for about 9 decades Profit, advances, reserves of title bank are increasing

Opportunities

Government culture in organization Frequent changes in post of managing director

Introduce internet and mobile banking Mutual funds insurance

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Fail to provide updated facility to their customers. Too many competitors.

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The bank can come out with other financial product The bank can also concentrate on other field like education, professional The investment by banks in venture capital is very beneficiary Concentrate on non-performing assets

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From the study it is found that maximum number of customer are farmer Yearly capital increasing rendomly Balance with the bank is less Master bank of all co-corporative banks The bank provides short term loan to agriculture

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FINANCIAL RISK MANAGEMENT - I.M.PANDEY FINANCIAL MANAGEMENT - PRASANNA CHANDRA MAGAZINE: ANNUAL REPORT OF THE BANK WEBSITE: WWW.APEXBANK.COM

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The Karnataka state co-operative apex bank ltd being a co-operative bank is doing well and it has got a steady growth. most of the objective of the bank have been fulfilled . It is clear that there is a large potential market for the bank in sub-urban areas and also rural areas. As the apex bank has many branches, it can capture the potential market before any other competitors do.

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THANK YOU

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