CONTENT8

Pages
CHAPTER

INTRODUCTION

1 - 26

Introduction
Banking in India
Co-operative Banking in India
Primary Cooperative Banks
10

1.8

Primary Co-operative Banks in Kerala

Central Co-operative Banks
State Co-operative Bank
Need for the study

1.9

Objectives of the study

18

Hypothesis

20

Methodology

22

Scope and Limitations

Scheme of the Report

23

1.7

CHAPTER

PRIMARY CO-OPERATIVE BANKS

11
13
14

24

27 -118

Origin and Development of Co

operative Banks

27

Definition of Primary Co
operative Banks

34

Features of Primary Cooperative

Banks

34

ii
Pages

Primary Co-operative Banks in

Objectives of Primary Co-operative

37

Banks

40

Membership and share capital

42

Branches

48

Management and Staff

Dividends

49

Viability of Primary (Urban) Banks

Employment of funds, profit and

profitability

Area of operations

Other facilities in Primary

CHAPTER

III

67

68
76

101

Co-operative Banks

104

Other findings

106

Conclusions and Recommendations

108

CENTRAL COOPERATIVE BANKS

119 - 159

Introduction

119

Types of Central Banks

Central Co-operative Banks in
Kerala

120

Membership and Share Capital

Management and Staff
Sources of Funds

123

Employment of Funds, Profit

121

'12?
134

and Profitability

139

Dividend

152

General Body Meetings

153

iii
Pages

CHAPTER

3.10

Conclusions and Recommendations

IV

STATE COOPERATIVE BANK

160 - 201

Introduction

160

Origin and Growth

161

The Kerala State Co-operative

Bank

165

4.4
4.5

Objects
Membership and Share Capital

166

4.6
4.7

Management

170

Deposits and Other Resources

171

4.8
4.9

Principal State Partnership Fund

177

Employment of Funds

179

4.10

Profit and Profitability

187

4.11

Development and Other Activities

192

Conclusions and Recommendations

197

CONCLUSIONS AND RECOMMENDATIONS

202 214

4.

CHAPTER

155

168

APPENDICES

215 - 237

SELECTED BIBLIOGRAPHY

238 244