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CLIPTHAM NO.592
UNIVERSITY OF CALICUT
BACHELOR OF COMMERCE
By
CHITHRA.M.R.
Reg.No. VPAQBS0245
UNIVERSITY OF CALICUT
KERALA
DECLARATION
Place:
Date:
CHITHRA. M.R
CONTENTS
Bank. Ltd.No.592,
Pattithara. P.O,
PattambiTaluk,
Palakkad District.
Branch : Kakkattiri
Liability : Limited
Members : 14367
Audit : Concurrent
The head office and main branch of the bank are functioning at
Aloor. Apart from the main branch, there is a branch at Kakkatiri. At
present, the bank has developed into a full-fledged banking institution
with an authorized capital of Rs.100 lakhs, paid-up capital of Rs.90
lakhs and there are 13898 members.
Secretary
Assistant Secretary
Chief Accountant
Manager
Internal Auditor
Accountant
Senior Clerk
Junior Clerk
Attender
Peon
DEPOSITS
Deposits are life blood of banking industry accounting for
about 98% of bank liabilities and other activities of the bank are
chiefly dependent upon deposits. The various deposits schemes
provided by Pattithara Service Co-operative Bank includes saving
deposit, fixed deposit, recurring deposit and daily deposits.
b. FIXED DEPOSITS:
d. DEPOSIT LOAN
These loans are given to the members who have fixed deposit in
the same bank. Loans are provided on the security of fixed deposit
receipt. 80 percent of the deposit amount can be taken as a loan
from the bank and interest on this loan will be two percent more
than the rate of interest on deposit. The loan amount should be
repaid before the expiry of the deposit.
RESEARCH METHODOLOGY
It is essentially a systematic enquiry seeking facts through
objective variable method in order to discover the relationship
among them.
B. SOURCES OF DATA
Data collection is a process of gathering and measuring
information on variables of interest, in an established systematic
fashion that enables one to answer stated that enables one to
answer stated research questions. Test hypothesis and evaluate
outcomes. In the project data is manually collected from primary
and secondary sources. Secondary data refers to the data which is
already published, Books, Journals, etc... are same of the examples
of secondary data. For this study, previous reports of the
organisation, reference books etc..have been used. Primary data
those which are collected by investigator himself for the first time
and they are original in character. For convenience I have selected
secondary data for this study.
1. Census method
2. Sample method
The census method involves a complete enumeration of all units
of the population or universe. Census method enables to yield
correct factual data. The type enquiry involves great deal of time,
money and energy. Although the census method gives correct
factual information it may be in complete, inadequate and
inaccurate. When the universe is small it is better to adopt sample
method for collection of information. For this purpose of study I
have selected 5 years data only.
End Notes
5thGhar R.K. and Gangwar A.C “Small farmers and utilization of SFDA
credit in District Gurgaon (Haryana) Financing agriculture, 1975.
% OF
YEAR AMOUNT
GROWTH
2012-2013 983.47 15.9
2013-2014 1282.72 30.47
2014-2015 1665.40 29.83
2015-2016 1529.46 -8.16
2016-2017 1792.82 17.21
(Source: Compiled from annual reports)
The above table shows that the savings deposit has undergone the
fluctuating trend. During the upcoming years, the amount of
savings deposit is increased except the financial year 2016-2917. It
shows the lowest growth rate of -8.16% The financial years 2013 to
2014 shows the highest growth rate of 30.47%.
DAIGRAM 3.1
35
30
25
20
15
10
5
0
-5 2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
-10
-15
From the above table, it is clear that the fixed deposits of the bank
shows an increasing trend. The financial year 2012-2013 shows that
the amount of fixed deposits is Rs.12104.01 lakh, but, it reached to
Rs.32676.13 lakh in 2016-2017 with a growth rate of 26.60 percent.
DIAGRAM 3.2
45
40
35
30
25
20
15
10
5
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
The diagram shows the percentage growth rate of fixed deposits for
five year. The highest growth rate is 30.23 percent in the 2015-2016
and the lowest growth rate is 26.66 percent in the year 2016-2017.
RECURRING DEPOSITS
The above table shows that during the year 2012-2013, the
recurring deposit was Rs.85.32 lakhs. The financial year 2013-2014
shows the lowest growth rate of -11.01 percent. In short, the
recurring deposit has undergone a fluctuating trend.
DIAGRAM 3.3
30
25
20
15
10
5
0
-5 2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
-10
-15
DAIGRAM 3.4
160
140
120
100
80
60
40
20
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
-20
Table 3.5
DEPOSIT SCHEMES
2012-2013 to 2016-2017
(Rs. In lakhs)
2012- 2013-
ITEMS 2014-2015 2015-2016 2016-2017 TOTAL
2013 2014
Saving
983.14 1282.72 1665.40 1529.46 1792.82 7253.54
Deposits
Fixed
12104.01 15508.62 19810.30 25798.19 32676.13 105897.25
Deposits
Recurring
85.32 101.58 107.90 99.17 122.77 516.74
Deposits
Daily
45.95 110.92 148.30 158.38 141.71 605.26
Deposits
Total 13218.45 17003.84 21731.90 27585 34733.43 114272.79
(Source: Compiled from Annual reports)
The table shows the different deposits for the past five years. From
the above data we can the amount of fixed deposits is more than
the other deposits.
3.2 ADVANCES
From the above data, we can say that there is a fluctuating trend in
the amount of gold loans. The above table shows in increasing
trend in the amount of Gold loans in 2012-2017. The amount of
Gold loan has increased from Rs.2610.32 lakh in the year 2012-2013
to Rs.3927.53 lakh in 2013-2014. The current growth rate is 50.46.
DIAGRAM 3.6
60
50
40
30
20
10
0
2012-2013 2013-2014 2014-2015 2015-2016
-10
-20
PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 53.18 1.18
2013-2014 88.13 65.72
2014-2015 102.90 16.76
2015-2016 140.32 36.37
2016-2017 160.12 14.11
( Source: Complied from Annual reports)
DIAGRAM 3.7
70
60
50
40
30
20
10
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 2463.21 74.42
2013-2014 5113.04 107.58
2014-2015 7760.61 51.78
2015-2016 10307.87 32.82
2016-2017 16757.78 62.57
(Source: Completed from Annual reports)
DIAGRAM 3.8
120
100
80
60
40
20
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 4771.91 17.84
2013-2014 4632.55 -2.92
2014-2015 5993.84 29.39
2015-2016 9741.14 65.52
2016-2017 9982.61 -2.47
(Source: Compiled from Annual reports)
DIAGRAM 3.9
70
60
50
40
30
20
10
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
-10
PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 381.66 79.02
2013-2014 411.14 7.72
2014-2015 497.22 20.94
2015-2016 604.85 21.65
2016-2017 733.27 21.23
(Source: Compiled from Annual reports)
DIAGRAM 3.10
80
60
40
20
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
Table 3.11
LOANS SCHEMES
2012-2013 to 2016-2017
(Rs.In lakhs)
Gold
Loans
2610.32 3927.53 3532.86 3509.95 2779.30 16359.96
Ordinary
Loans
53.18 88.13 102.90 140.32 160.12 1031.75
MT
Mortgag 2463.21 5113.04 7760.61 10307.87 16757.78 42402.51
e Loan
Business
Overdraf 4771.91 4632.55 5993.84 9741.14 9982.61 35122.05
t
Deposit
Loan
381.66 411.14 497.22 604.85 733.27 2628.14
The above table shows the different loans for the past five
years. It is seen that the amount of MT mortgage loan is more than
the other loans. The second largest portion is contributed by the
business overdraft as compared to the rest.
FINDING, CONCLUSION AND SUGGESTIONS
1. The percentage growth of saving deposits shows a fluctuating
trend. During the financial year 2015-2016 it shows the lowest
growth rate of -8.16 percent.
2. The percentage growth of fixed deposit shows the highest growth
rate of 41.63 percent in the year 2012-2013.
3. The recurring deposits of the bank shows a fluctuating trend
except in the year 2016.2017 with the growth rate of 23.79.
4. The percentage growth of daily deposits shows on increasing trend
in the year 2015-16 it shows the highest growth rate of 158.38
percent.
5. The percentage growth of changes in total deposits having a
fluctuating trend.
6. The major portion of total deposits is contribution by fixed
deposits.
7. The percentage growth of gold loan shows a fluctuating trend and
the highest growth rate of 50.46 percent in the year 2013-2014.
8. The highest growth rate of ordinary loan is 65.72 percent in the
year 2013-2014.
9. From the analysis of percentage growth of MT mortgage shows a
increasing trend and current year recording a growth rate of 62.57
percent.
10.The analysis of business overdraft lead to the conclusion that is
shows on fluctuating trend except in the year 2013-2014 with the
rate of -2.92 percent.
11.The analysis of the deposits loan shows a fluctuating trend and the
highest growth rate is 79.02 percent in the year 2012-2013.
12.From the analysis of percentage growth of changes in total loans it
sows a fluctuating trend.
13.From the analysis of total loans for the all the five years business
overdraft and MT mortgage are the major advance area of the
bank.
SUGGESTIONS
1. The bank should assess the repaying capacity of the borrower
before lending loans.
2. The bank should be vigilant in the recovery of loan amount.
3. Adequate information about new schemes should be provided to
the public.
4. To bring out more innovative products of deposit and non-
schemes.
5. Strengthen the internal check system.
6. The bank should exercise adequate on the utilization of loans.
7. The bank can give effective advertisements on its products.
CONCLUSION
A co-operative bank is a socio-economic institution that plays an
important role for the development of its members Pattithara
Service Co-operative society also aimed at promoting the economic
intrest of its members by complying with co-operative principles
and provisions of bye-law. The major function of the bank is to
accept deposits and lending loans to its members. Loans are issued
in proportion to the deposits. The deposit of the bank is sufficient
to meet its requirement. The bank is facing certain problems in the
recovery of loans. This is the major problem to be remedied.
From the study it is able to find out that the resource of the
bank is effectively utilized for providing loans. The bank off
different type of deposits for increasing the saving habits of
members. The bank provide financial assistance to farmers &
traders, co-operative banks can performs better by mobilizing
surplus resources or funds from the Urban and rural people and
meet the most urgent task of financing agricultural and small
industries.
B: JOURNALS
C. WEBSITES
www.wiki pedia.com
www.google.in
www.kscb112.com