A STUDY ABOUT “AN ANALYSIS OF FINANCIAL PERFORMANCE

OF THE VENKITANGU FARMERS CO-OPERATIVE BANK LTD NO -

R. 187”

A Project Report
Submitted in partial fulfillment for the requirements for
the award of graduate
Bachelor of Commerce
University of Calicut
Submitted by
SALU KS
Reg No: THAQBS0498
Enroll No :1649690

SCHOOL OF DISTANCE EDUCATION UNIVERSITY OF CALICUT

2016-2019
 CERTIFICATE

This is to certify that the Project Report entitled “A STUDY ABOUT

“AN ANALYSIS OF FINANCIAL PERFORMANCE OF THE
VENKITANGU FARMERS CO-OPERATIVE BANK LTD NO- R.187”
Submitted by Ms. SALU KS in partial fulfillment of the requirements for the
award of graduate bachelor of commerce is a bonafide record of the original
work done by her under my guidance and supervision and this work has been
not submitted elsewhere before , for the award of any Degree or Diploma from
any other university/Institution.
 DECLARATION

I, SALU.KS, hereby declare that the project work entitled “AN ANALYSIS
OF FINANCIAL PERFORMANCE OF THE VENKITANGU FARMERS CO-
OPERATIVE BANK LTD NO - R.187 ” is a bonafide work carried out by me for

the partial fulfilment for the award of the degree of BACHELOR OF

COMMERCE from UNIVERSITY OF CALICUT.

I further declare that this project has not been submitted previously for the
award of any university or institution according to the best of my knowledge.

PLACE: SALU KS

DATE : REG NO : THAQBS0498

 ACKNOWLEDGEMENT

First of all i am thankful to god almighty for all his blessings throughout
my life with a light and that helped me to do this project in a better manner.
I wish to express my deep sense of gratitude to Mr. A Koyakutty
Thangal, Mrs. Kumari Vasanthi Meledath President and Vice president of
Venkitangu Farmers Co-operative Bank Ltd No.R.187 for his valuable support
and providing with all possible opportunities for the preparation of this report. I
am also greatful to our principal and teachers, for his valuable advice and
guidence throughout the course.
I would like to express my heartleft thanks to Mr. U Gopi Manoharan,
Managing Director in charge of Venkitangu Farmers Co-operative Bank Ltd
NO.R.187, For giving me a privilege to conduct the project report work in their
estimed organisation.
I extend my propound gratitude to Mr.P Madhavan Nair for his consent
for carrying out my work in this organization I also thankful to the employees of
the organization who had furnished me with the necessary details for the study.
Last but not the least I recall the entire person who has shared their
experience and valuable ideas for the completion of my work.
 TABLE OF CONTENTS
CHAPTER CONTENTS PAGE NO
NO
CHAPTER 1 INTRODUCTION 1

1.1 Introduction of study 2

1.2 Organizational profile 3
1.2,1 Industry profile 3

1.2,2 Company profile 18

1.3 Research problem 24

1.4 Objectives of the study 24

1.5 Research methodology 25

1.5,1 Source of data 25

1.6 Tool for Analysis 25

1.7 Scope of study 29

1.8 Limitation of the study 29

CHAPTER 2 REVIEW OF LITERATURE 30

CHAPTER3&4 DATA ANALYSIS AND INTERPRETATION 35

CHAPTER 5 FINDINGS AND SUGGESTIONS 44

5.1 Findings 45
5.2 Suggestions 46

5.3 Conclusion 47

5.4 Bibliography 49

6 Reference 50
 LIST OF TABLES

Table Name of Tables Page

No: Number
3.1 Credit to deposit ratio 36

3.2 Total loans to total asset ratio 37

3.3 Total borrowing to total asset ratio 38

3.4 Total loans to working capital ratio 39

3.5 Deposit to working capital ratio 40

3.6 Trend analysis of SHG MT loan 42

 LIST OF CHARTS

chart Name of chart Page

No: Number
3.1 Credit deposit ratio 36

3.2 Total loans to total asset ratio 37

3.3 Total borrowing to total asset ratio 38

3.4 Total loans to working capital ratio 39

3.5 Deposit to working capital ratio 40

3.6 Trend analysis of SHG MT loan 42

3.7 Trend analysis of deposit loan