Evaluation of the Financial Performance of Co-Operative Bank in Kerala- Upputhara Service Co-Operative Bank

A cooperative may be defined as a business owned and controlled equally by the people who use its services. Cooperatives can act as an effective media for the socio-economic reconstruction of the country. This study is on the financial performance of Upputhara Service Cooperative Bank (USCB). The objective of the study is: A) to analyze the financial performance in terms of profitability. B) To evaluate the short-term and long-term financial position. C) To examine the growth of loans and deposits during the period of study. The sources of data were the published annual reports of bank from 2007-08 to 2013-14. Financial analysis has been done with tools such as financial ratios, trend analysis etc., The study helps to understand the working capital position, per cent changes in profits, deposits and loans. The study found that immediate steps are needed to improve the capital base of the bank.