Evaluation of the financial performance of kanjirappally service cooperative bank limited

A cooperative may be defined as a business owned and controlled equally by the people who use its services or who work at it. Cooperatives can act as an effective media for the socioeconomic reconstruction of the country. Kanjirappally Service Cooperative Bank (KSCB) has been serving the society since 1938 and has become a significant institution with near rupees 100 crore deposits and rupees 70 crore loans to the members. Using percentages, Common Size balance Sheet and Ratios the financial statements of the bank are analysed over a 10 year period. The study found that immediate steps are needed to improve the capital base of the bank.