Financial analysis of co-operative bank-A case study

A 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-operatives are organized groups of people and jointly managed and democratically controlled enterprises. They exist to serve their members and depositors and produce better benefits and services for them. Professionalism in co-operative banks reflects the co-existence of high level of skills and standards in performing, duties entrusted to an individual. The co-operative banks in rural areas mainly finance agricultural based activities, personal finance, finance to small scale industries and self-employment driven activities etc. Thus, for achieving the objectives of economic development and economic planning, banking institutions have to play a vital role for raising the level of savings and for mobilizing those for investment in a proper channel. Present paper is an attempt made to analyse financial performance of Sangli Urban Co-operative Bank Ltd., Sangli, Dist-Sangli as a empirical case study.