Please use this identifier to cite or link to this item: http://hdl.handle.net/10603/4270
Title: Performance evaluation of central cooperative banks: a comparative study of Punjab and Haryana
Researcher: Sukhmani
Guide(s): Singh, Gurcharan
Keywords: Commerce
Business Management
central cooperative banks
Upload Date: 17-Aug-2012
University: Punjabi University
Completed Date: September, 2011
Abstract: Co-operative credit structure is an important segment of the Indian Banking set up. At the advent of last century, these banks were established as a tool of state policy to provide adequate, timely and cheap credit to peasants, to save them from the clutches of money- lenders. These banks have played a crucial role in the Indian financial system. Agriculture being prime sector of Indian economy needs a very strong, efficient and effective institutional credit support even today. With their vast network, wider coverage and outreach extending to the remotest part of country cooperatives banks are and will be prime institutional agencies for agriculture and rural credit.Therefore it has been repeatedly stressed that vitality and viability of the co-operative institutions must be preserved to enable them to function efficiently. In this context present study is an attempt to evaluate the performance of DCCBs in Punjab and Haryana. The main aim of study was to examine the resource composition, loan portfolio, recovery position; NPAs, profitability and productivity of selected cooperative banks. The study covered the period of nine years i.e. 1999-2000 to 2007-2008 and secondary data was used. Profitability is an important indicator of performance in banking industry worldwide and there is a lot of variation in profitability of DCCBs. Therefore DCCBs were classified into three categories of high, average and low profitability. Six DCCBs had been selected from each State as sample size for this study. Of these six banks two DCCBs with high profitability, average profitability and low profitability category had been selected. Being a time series data, trend analysis and students? t-test was mainly employed to analyze the data. The study brought out that sources of funds, their components and loans outstanding had registered a significant growth in all categories of DCCBs in Punjab and Haryana and both were better managed in Punjab.
Pagination: 254p.
URI: http://hdl.handle.net/10603/4270
Appears in Departments:School of Management Studies

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02_certificate.pdf28.85 kBAdobe PDFView/Open
03_declaration.pdf26.04 kBAdobe PDFView/Open
04_acknowledgements.pdf49.57 kBAdobe PDFView/Open
05_contents.pdf52.45 kBAdobe PDFView/Open
06_list of tables.pdf111.49 kBAdobe PDFView/Open
07_abbreviations.pdf35.06 kBAdobe PDFView/Open
08_chapter 1.pdf362.31 kBAdobe PDFView/Open
09_chapter 2.pdf425.42 kBAdobe PDFView/Open
10_chapter 3.pdf161.9 kBAdobe PDFView/Open
11_chapter 4.pdf567.12 kBAdobe PDFView/Open
12_chapter 5.pdf482.34 kBAdobe PDFView/Open
13_chapter 6.pdf699.38 kBAdobe PDFView/Open
14_chapter 7.pdf461.69 kBAdobe PDFView/Open
15_chapter 8.pdf198.21 kBAdobe PDFView/Open
16_bibliography.pdf293.41 kBAdobe PDFView/Open
17_annexture.pdf84.12 kBAdobe PDFView/Open
18_abstract.pdf26.66 kBAdobe PDFView/Open


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