Project Ratio Analysis

Ratio Analysis
INRODUCTION
MEANING OF FINANCIAL STATEMENTS:Financial statements refer to such statements which contains financial information about an enterprise. They report profitability and the financial position of the business at the end of accounting period. The team financial statement includes at least two statements which the accountant prepares at the end of an accounting period. The two statements are: 1. The Balance Sheet 2. Profit And Loss Account They provide some extremely useful information to the extent that balance Sheet mirrors the financial position on a particular date in terms of the structure of assets, liabilities and owners equity, and so on and the Profit And Loss account shows the results of operations during a certain period of time in terms of the revenues obtained and the cost incurred during the year. Thus the financial statement provides a summarized view of financial positions and operations of a firm.
MEANING OF FINANCIAL ANALYSIS
The first task of financial analysis is to select the information relevant to the decision under consideration to the total information contained in the financial statement. The second step is to arrange the information in a way to highlight significant relationship. The final step is interpretation and drawing of inference and conclusions. Financial statement is the process of selection, relation and evaluation.
Bhagwan Mahavir College Of Management,Surat
Page 1
Ratio Analysis
Features of Financial Analysis...
- To present a complex data contained in the financial statement in simple and understandable form. - To classify the items contained in the financial statement inconvenient and rational groups. -To make comparison between various groups to draw various conclusions. - Purpose of Analysis of financial statements -To know the earning capacity or profitability. -To know the solvency. - To know the financial strengths. -To know the capability of payment of interest & dividends. -To make comparative study with other firms. -To know the trend of business -To know the efficiency of mgt. -To provide useful information to mgt
Bhagwan Mahavir College Of Management,Surat. Page 2
Ratio Analysis
Procedure of Financial Statement Analysis

The following procedure is adopted for the analysis and interpretation of financial statements:-
The analyst should acquaint himself with principles and postulated of accounting. He should know the plans and policies of the management so that he may be able to find out whether these plans are properly executed or not. The extent of analysis should be determined so that the sphere of work may be decided. If the aim is find out. Earning capacity of the enterprise then analysis of income statement will be undertaken. On the other hand, if financial position is to be studied then balance sheet analysis will be necessary. The financial data be given in statement should be recognized and rearranged. It will involve the grouping similar data under same heads. Breaking down of individual components of statement according to nature. The data is reduced to a standard form. A relationship is established among financial statements with the help of tools & techniques of analysis such as ratios, trends, common size, fund flow etc. The information is interpreted in a simple and understandable way. The significance and utility of financial data is explained for help indecision making. The conclusions drawn from interpretation are presented to the management in the form of reports.
Ratio Analysis
TYPES OF FINANCIAL ANALYSIS

A) Classification on the basis of natural used
a) External Analysis Outsiders, who dont have access to the detailed internal accounting records of the business firm, do this analysis. The seoutsiders parties are potential investor, creditors, government agencies, credit agencies & general public . b)Internal Analysis The analysis conducted by person who has access to the internal accounting records of a business firm is known as internal analysis.
B) On the basis of modus operand

a) Horizontal Analysis: Horizontal analysis refers to the comparison of financial data of a company for several years. The figures of this type of analysis are presented horizontally over a no. of columns. This type of analysis is also called Dynamic Analysis. b) Vertical Analysis:
This analysis refers to the study of relationship of the various it easing the financial statements, of one accounting period. It is also known as Static analysis.
Ratio Analysis
FUNCTIONS OF FINANCE DEPARTMENT
The functions of finance department include the following areas: 1) Effective management of financial resources of the company. 2) Coordinates & Monitors the functions of accounts activities in the units/marketing offers. 3) Establish and maintain systems of financial control, internal check and render advice on financial & accounting matters including examination of feasibility report and detailed project reports. 4) Establish and maintain proper system of budgetary control, cost control and management reporting. 5) Maintain financial accounts and compile annual periodical accounts in accordance with the companies Act, 1956, ensuring the audit of accounts as per law/ Govt. directions. 6) Looks after overall funds management and arranges funds required for the capital schemes and working capital form govt., banks and financial institutions etc. 7)Timely payment of all taxes, levies & duties under the Law, Maintenance of records and filing returns statements connected with such taxes, levies and duties with the appropriate authorities , as per law. All the power involving financial implications are to e exercised in prior consultation with head of concerned finance department. In the event of any difference of opinion between the General Manger and the Head of Finance Dept., the matter shall be referred to Managing Director who after consulting Director (Finance) shall issue appropriate instruction after following the prescribed procedures.
Ratio Analysis
METHODS OF FINANCIAL ANALYSIS
A number of methods can be used for the purpose of analysis of financial statements. These are also termed as techniques or tools of financial analysis. Out of these, and enterprise can choose those techniques which are suitable to its requirements. The principal techniques of financial analysis are:
1. Comparative Financial Statements. 2. Common size Statements 3. Trend Analysis 4. Funds Flow statements 5. Cash Flow Statement
COMPARATIVE FINANCIAL STATEMENTS

When financial statements figures for two or mote years are placed side-side to facilitate comparison, these are called comparative Financial Statements. Such statements not only show the absolute figures of various years but also provide for columns to indicate to increase ort decrease in these figures from one year to another. In addition, these statements may also show the change from one year to another on percentage form. Such cooperative statements are of great value in forming the opinion regarding the progress of the enterprise.
Ratio Analysis
PURPOSE OR UTILITY OR IMPORTANCE OF COMPARATIVE STATEMENTS:
1. To make the Data simpler and more understandable 2. To indicate the Trend 3. To indicate the strong points weak points of the concern 4. To compare the firms performance with the average performance of the industry 5. To help in forecasting.
FORMS OF PRESENTING COMPARATIVE STATEMENTS

1. To show only the absolute data of various items or in other words to show only rupee am ounts of various items. 2. To show the increases and decreases in data in terms of money values 3. To show the increases and decreases in data in terms of percentages 4. Comparison expressed in ratios 5. Use of cumulative figures and averages.
COMPARATIVE BALANCE SHEET

The Comparative Balance Sheet as on two or more different dates can be prepared to show the increase or decrease in various assets, liabilities and capital. Such a comparative Balance Sheet is very useful in studying the trends in a business enterprise.
Ratio Analysis
ADVANTAGES OF COMPARATIVE BALANCE SHEET 1. Helpful for comparison. 2. Helpful in knowing changing in the size of items. 3. Helpful in knowing trends. 4. Link between income statement and Balance sheet
COMPARATIVE PROFIT & LOSS ACCOUNT
Profit and loss account shows the net profit or net loss of a particular year whereas comparative profit and loss account for a number of years provides the following information. 1. Rate of increase or decrease in gross profit 2. Rate of increase or decrease in operating profit. 3. Rate of increase or decrease in cost of goods sales. 4. Rate of increase or decrease in net profit. 5. Rate of increase or decrease in sales.
TREND ANALYSIS
Trend percentage are very useful is making comparative study of the financial statements for a number of years. These indicate the direction of movement over a long tine and help an analyst of financial statements to form an opinion as to whether favorable or unfavorable tendencies have developed. This helps in future forecasts of various items.
Ratio Analysis
For calculating trend percentages any year may be taken as the base year. Each item of base year is assumed to be equal to 100 and on that basis the percentage of item of each year calculated.
RATIO ANALYSIS
MEANING:
Absolute figures expressed in financial statements by themselves are meaningfulness. These figures often do not convey much meaning unless expressed in relation to other figures. Thus, it c an be say that the relationship between two figures, expressed in arithmetical terms is called a ratio. According to R.N. Anthony. A ration is simply one number expressed in terms of another. It is found by dividing one number into the other.
TYPES OF RATIOS
1. Proportion or Pure Ratio or Simple ratio. 2. Rate or so many Times. 3. Percentage 4. Fraction.
OBJECTS AND ADVANTAGES OR USES OF RATIOANALYSIS

Helpful in analysis of financial statements. Simplification of accounting data. Helpful in comparative study.
Ratio Analysis
Helpful in locating the weak spots of the business. Helpful in forecasting Estimate about the trend of the business. Fixation of ideal standards. Effective control Study of financial soundness.
LIMITATION OF RATIO ANALYSIS
False accounting data gives false ratios. Comparisons not possible of different firms adopt different accounting policies. Ratio analysis becomes less effective due to price level change Ratios may be misleading in the absence of absolute data. Limited use of a single Ratio. Window-Dressing. Lack of proper standards. Ratio alone are not adequate for proper conclusions. Effect of personal ability and bias of the analyst.
Ratio Analysis
CLASSIFICATION OF RATIOS
I. Liquidity Ratios:
These are the ratios which measure the short-term solvency or financial position of a firm. These ratios are calculated to comment upon the short-term paying capacity of a concern or the firms ability to meet its current obligations
II. Long Term Solvency and Leverage Ratios:

Long-term solvency ratios convey a firms ability to meet the interest cost and repayment schedules of its long-term obligation e.g. Debit Equity Ratio and Interest Coverage Ration. Leverage Ratios.
III. Activity Ratios:

Activity ratios are calculated to measure the efficiency with which the resources of a firm have been employed. These ratios are also called turnover ratios because they indicate the speed with which assets are being turned over into sales e.g. debtors turnover ratio.
IV. Profitability Ratios:

These ratios measure the results of business operations or overall performance and effective of the firm e.g. gross profit ratio, operating ratio or capital employed. Generally, two types of profitability ratios are calculated. (a)In relation to Sales, and (b)In relation in Investment
Ratio Analysis
Types of ratios:
Some of the different types of ratios that can be calculated from data in the financial statements and used to evaluate a business include:
1) Liquidity ratios 2) Solvency ratios 3) Activity ratios 4) Profitability ratios
1) Liquidity ratios:
Liquidity ratios measure a businesss ability to cover its obligations, without having to borrow or invest more money in the business. The idea is that there should be sufficient cash and assets that can be readily converted into cash to cover liabilities as they come due. One of the most common liquidity ratios is:
Current Ratio = Current Assets / Current Liabilities

Current assets basically include cash, short-term investments and marketable securities, accounts receivable, inventory, and prepaid
Ratio Analysis
expenses. Current liabilities include accounts payable to vendors and employees, and installments on notes or loans that are due within one year. This ratio could also be seen as a measure of working capital the difference between current assets and current liabilities. A company with a lot of working capital will be in a better position to expand and improve its operations. On the contrary, a company with negative working capital does not have sufficient resources to meet its current obligations, and therefore is not in a position to take advantage of opportunities for growth. Another stringent test of liquidity is the:
Acid-test Ratio = Current Assets minus Inventories / Current Liabilities
Inventory is a current asset that may or may not be quickly converted into cash. This depends on the rate at which inventory is being turned over. By excluding inventory, the acid-test ratio only considers that part of current assets that can be readily converted into cash. This ratio, also called the Quick Ratio, tells how much of the business's short-term debt can be met by using the company's liquid assets at short notice. A ratio that shows how many times inventory is turned over, or sold during the period is:
Ratio Analysis
Inventory Turnover Ratio = Cost of Goods Sold / Average Inventory
A high turnover ratio is a sign that products are being produced and sold quickly during the period. A ratio of 1.0, for example, would mean that at any given time you have enough inventories on hand to cover sales for the entire period. The higher this ratio, the more quickly inventory is being turned over and producing assets that are more liquid -- accounts receivable and then cash.
If you want an even clearer idea of exactly how much ready cash is on hand to cover current liabilities, you can use the:
Cash ratio = Cash + Marketable securities / Current Liabilities

The cash ratio measures the extent to which a business could quickly cover short-term liabilities, and therefore is of particular interest to short-term creditors. A ratio of 1.0 would indicate that all current liabilities would be covered at any average point in time by cash and marketable securities that could be readily sold and converted to cash. A ratio of less than 1.0 would mean that other assets, such as accounts receivable or inventory, would have to be converted to cash to cover shortterm obligations. A ratio of greater than 1.0 means that there is more than enough cash on hand.
Ratio Analysis
2) Solvency Ratios:
Solvency ratios are measures to assess a companys ability to meet its long-term obligations and thereby remain solvent and avoid bankruptcy. Two general, overall solvency ratios include:
Solvency Ratio = Total Assets / Total Liabilities AND Solvency Ratio = Net Worth (Total Capital or Equity) / Total Liabilities
These ratios basically tell whether a company owns more than it owes. The higher the ratio, the more solvent the company
Another ratio that can tell how much a company relies on debt to finance its assets is:
Debt Ratio = Total Debt / Total Assets
Ratio Analysis
Traditionally, both short-term and long-term debts and assets are used in determining this ratio. In general, the lower a companys reliance on debt to finance its assets, the less risky the company. The debt to equity ratio is a measure of a companys leverage how much financing it has in the form of debt as compared with how much it has invested in the business.
Debt-equity Ratio = Total Liabilities / Total Owners Equity, Or Debt-equity Ratio = Long-Term Liabilities / Total Owners Equity
In assessing solvency, it is also important to take into consideration the breakdown of a companys liabilities. Not all liabilities are debt in the form of bank loans or notes payable, for example. There are also accounts payable to vendors, salaries and wages payable, taxes payable, and accrued liabilities, among others. One of the measures of what debt constitutes in terms of total liabilities is:
Indebtedness Ratio = Total Debts / Total Liabilities

In general, a company that is heavy on debt may be better leveraged, but is also less solvent.
Ratio Analysis
The debt repayment terms are another consideration. Short-term debt, payable within one year, may pose a greater burden on cash flow and eventual solvency than long-term debt, which is due beyond one year. A ratio used to quantify this is:
Short-term Debt Ratio or Quality of Debt = Short-term Debt / Total Debt
A lower value for this ratio would indicate less concern for installments coming due within a year. There are other ratios intended to assess a companys capacity to cover its debt repayments and financing costs. One of these ratios measures how interest expense is being covered by the net income the company is generating:
Interest expense coverage = Net income before interest and taxes / Interest expense
This ratio is also called Number of Times Interest Earned, and represents how many times the net income generated by the company, without considering interest and taxes, covers the total interest charge. The higher the ratio the more solvent the company.
3) Activity Ratios:
Many useful gauges of operations can be calculated from data reported in the financial statements. For example, you can determine
Ratio Analysis
the average number of days it takes to collect on customer accounts, the average number of days to pay vendors, and how much of the operation is effectively being financed with payment terms extended by vendors.
Accounts Receivable Turnover = Total Credit Sales / Average Accounts Receivable
This tells you the average duration of accounts receivable for credit sales to customers. This in turn can be expressed in terms of the collection period, as follows:
Average Collection Period = Days in Year / Accounts Receivable Turnover
4) Profitability Ratios:
One of the most common profitability ratios is the profit margin. This can be expressed as the gross profit margin or net profit margin, and it can be expressed by company, by sector, by product, or by individual unit. The information reported on the income statement will enable you to determine the overall profit margin. If additional breakdowns are provided, more detailed margins can be calculated.
Ratio Analysis
Gross Profit Margin = Gross Income / Total Revenue Net Profit Margin = Net Income / Total Revenue
1.1
INDUSTY PROFILE:
Bank and banking are the most important and major factor in todays world economy. Each and every transaction is routed through banking. Not a single business is possible without banking activity. The bank and the business are related. Today we cannot imagine the business world without banking institution. Banking is an important as blood in the human body. Due to the development of banking , advances are increased and business activity developing so it is rightly said, The development of banking is not only root but also the result of the development of the business world.
The activity and facility provided by the bank such as collection of deposits from small investor, lending finance and leasing / cash credit, routine transaction is very important for economic growth on whole.
Every economic activity is done through bank in this new era. So economy whether it is developed, under developing or under developed need strong banking system from the economic point of view. The major task of bank and other financial institution is to act as intermediaries channeling,
Ratio Analysis
saving to investment. Through them, the investment requirements of savers are reconciled with the credit need of investors and consumers
DEFINITION OF BANKING:
A banking company is defined as a company, which transacts the business of banking in India. The Banking Regulation Act defines the business as banking by stating the essential function of a banker. It also states the various other businesses a banking company may be engaged in and prohibits certain business to be performed by it. The term banking is defined as accepting, for the purpose of lending or investment, of deposits of money from the public, repayable on demand or otherwise, and withdrawal by cheque draft, order or otherwise.
STRUCTURE OF BANKING IN INDIA:
The structure of the banking industry, its performance and efficiency which in turn, affects the banks ability to collect savings and channel them into productive investments. The success of banking sector very much depends on the ownership of banks-whether private or public or mixed-whether the industry in competitive or regulated in terms of interest rates, spreads between lending and deposit rates, and whether service charges are competitively determined or regulated by government or the central bank. India banking system comprises of both organized & unorganized banks. Unorganized banking includes bankers & village moneylenders.
: CO-OPERATIVE BANK:
DEFINATION:
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A Co-operative is an autonomous of persons united voluntarily to meet their common economic, social and cultural needs and aspirations trough a jointly owned and democratically controlled enter price.
STUCTURE OF CO-OPERATIVE BANK:

The Co-operative banking structure on India may be divided into three components:
1} 2} 3}
State Co-operative Banks Central C-operative Banks Primary Co-operative Credit societies
1} State Co-operative Banks:

The state co-operative bank is federation of central cooperative bank and acts as a watchdog of the co-operative banking structure in the state. Its funds are obtained from the share capital, deposits, loans and overdrafts from the Reserve Bank of India. The
Ratio Analysis
state co-operative Bank lends money to Central co-operative Banks and primary societies and not directly to farmer
2} Central urban Co-operative Banks:

These are the federations of primary in a district and are of two years those having a membership of societies as well as individuals. The funds of the bank consist of share capital, deposits and overdrafts from state co-operative bank and joint stocks. These bank finance member societies within the limits of the borrowing capacity of societies, they also conduct all the business of joint stock bank.
3} Primary co-operative credit societies:

The primary co-operative credit societies are an association of borrowers and non-borrower residing in a locality in a particular locality. The funds of the society are from the share capital and deposits of members and loans from central co-operative banks. The borrowing power of the members as well as of the society is fixed. The loans are given to members for the purpose of cattle, fodder, fertilizers, pesticides, implements etc.
BRIEF HISTORY OF URBAN CO-OPERATIVE BANKS IN INDIA

Co-operative banks in this country are a part of vast and powerful structure of co-operative institutions which are engaged in tasks of production, processing, marketing, distribution, servicing and banking in India. The beginning co-operative banking in this country dates back to about 1904, when official efforts were made to create a new type of institution based on principles of co-operative organization & management, which were considered to be suitable for solving the problems peculiar to Indian conditions. In rural areas, as far as the agricultural and related activities are concerned, the supply of credit was inadequate, and money lenders
Ratio Analysis
would exploit the poor people in rural areas providing them loans at higher rates. Co operative Banks in India are registered under the Co-operative Societies Act. The cooperative bank is also regulated by the RBI. They are governed by the Banking Regulations Act 1949 and Banking Laws (Co-operative Societies) Act, 1965.
Definition:
A co-operative bank is a financial entity which belongs to its members, who are at the same time the owners and the customers of their bank. Co-operative banks are often created by persons belonging to the same local or professional community or sharing a common interest. Co-operative banks generally provide their members with a wide range of banking and financial services.
Initiatives towards development of co-operative banks:
1. Reorganization of PACSs (a scheme by NABARD). 2. Licensing of new USBs liberalized. 3. National Co-operative Bank of India (NCBI) was registered in 1993.(Multi-state co-operative society)-it has no regulatory functions. 4. Co-operative development bank (set up by NABARD). 5. Lending and borrowing rates of all co-operative have been more or less completely freed or deregulated. 6. Allowing all PCBs to undertake equipment leasing and hirepurchase financing
Establishments:
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Co-operative bank performs all the main banking functions of deposit mobilization, supply of credit and provision of remittance facilities. Co-operative Banks belong to the money market as well as to the capital market. Co-operative Banks provide limited banking products and are functionally specialists in agriculture related products. However, co-operative banks now provide housing loans also. UCBs provide working capital loans and term loan as well.
Functions:
Co-operative Banks are organized and managed on the principal of co-operation, self-help, and mutual help. They work on the basis of no profit no loss. Profit maximization is not their goal. Co-operative banks do banking business mainly in the agriculture and rural sector. However, UCBs, SCBs, and CCBs operate in semi-urban, urban, and metropolitan areas also. The State Co-operative Banks (SCBs), Central Cooperative Banks (CCBs) and Urban Co-operative Banks (UCBs) can normally extend housing loans up to Rs 1 lakh to an individual. The scheduled UCBs, however, can lend up to Rs 3 lakh for housing purposes. The UCBs can provide advances against shares and debentures.
Cooperative banks in India finance rural areas under:

Farming Cattle Milk Hatchery Personal finance
Cooperative banks in India finance urban areas under:

Self-employment Small scale units
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Home finance Consumer finance Personal finance
Some facts about Cooperative banks in India

Some cooperative banks in India are more forward than many of the state and private sector banks. According to NAFCUB the total deposits & lending of Cooperative Banks in India is much more than Old Private Sector Banks & also the New Private Sector Banks. This exponential growth of Co operative Banks in India is attributed mainly to their much better local reach, personal interaction with customers, and their ability to catch the nerve of the local clientele.
Related posts:
1. Indian banking system: Development banks: Export-import bank of India (EXIM Bank) 2. Indian banking system: Development banks: National Bank of Agriculture and Rural Development (NABARD) 3. Indian banking system: Development banks: Small scale Industrial Development Bank of India (SIDBI) 4. Co-operative Banks in India 5. Role of development banks in the Indian economy 6. Indian Banking Sector Reforms: Licensing of New Banks in the Private Sector 7. Committee on Indian Banking Sector Reforms: Narasimhan Committee Report 8. Indian Financial Network (INFINET) and its impact on Indian banking system
Ratio Analysis
9. Article on Indian Banking Sector: Globalization of International Banking 10.Indian Banking Sector Reforms in 1991
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Ratio Analysis

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1.2 Company profile
THE SURAT PEOPLE S CO-OP. BANK LTD.
INTRODUCTION:
With the advent of the 20th century, Co-operative Movement started in India. Late Raosaheb Varundavan Jadav a visionary dreamt of establishing Co-operative Bank. This Dream turned into reality in the name of The Surat Peoples Co-operative Bank Ltd.
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The Surat Peoples Co-operative Bank Ltd was established in 1922 at Surat. Bank was registered on 10th March, 1922 and started functioning from 21st April, 1922.The Bank was first registered Urban Co-Operative Bank in India and became Scheduled Bank on 1st September, 1988.
The Bank is serving since last 87 years to the people of Surat. The bank is having network of 21 branches, 19 in Surat and 1 branch at Vapi and 1 branch at Navsari.
he Bank is the "First Registered Urban Co-operative Bank" of India and among the first 13 Co-operative Banks to get the "Scheduled Bank" Status. It is the first Bank to provide the "Depository Participant Services" in South Gujarat.
Over the years, The Surat Peoples Co-operative Bank has set its eyes on the strategic planning for the future in order to arm itself to face competition in the wake of sea change that the banking industry has been witnessing on account of policy of liberalization of economy. Within the introduction of On-Line Computer System at all branches of the bank; it is now well posed to render sustained, satisfactory customer service. It has also introduced Tele-Banking Facility. Linking of all its branches by satellite-switchgear from Local Area Network System (LAN) to Wide Area Network system (WAN) in due course is also contemplated. Efforts to open Banks branches at the key centre of Gujarat as also at Mumbai are already underway. It has introduced performance budgeting system since the year 1993 and has been concentrating on need based training of it
VASUDHARA, I.E. GODDESS OF PROPSPERITY is the symbol of the bank. Vasu means Wealth & Dhara means flow. So Vasudhara means safeguard the flow of wealth and to consolidate multiply and distribute it to the people for their well-being. Blessed by VASUDHARA, these young illustrious banks has crossed a number
Ratio Analysis
of mile stones during its journey on the path of progress and is well set to cross many of more of them during its perpetual march thereon.
Other Services:
Safe Deposit Lockers Depository Service Branch Connectivity ATM Service SMS banking Services VAT Services Demand Draft & Pay Orders Any Branch Banking General Insurance Foreign Exchange
1)
Safe Deposit Lockers
The Surat People's Co-Op. Bank Ltd. offer safe deposit lockers for safety of your valuables. We offer safe deposit vault or locker at a no of branches at reasonable rent depending upon the size of locker. Kindly contact Depository Service to your nearest branch for this facility.
2)
Depository Service :
DEMAT Account Through Surat People's Bank:
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Physical Security holding are converted into Electronic holdings so no fear about loss of paper form securities, theft, fire or mutilation. No worry about bad delivery.
Comfort / Convenience

Speedy sale-purchase & transfer. No botheration for storing and preservation nor loss of securities. Sale-purchase, credit-debit by written mandate only. Freedom from inconvenience due to wrong signature and other objection in stock exchange. Security transfer without share transfer forms. Freedom from botheration to inform change of address to all the companies. Dematerialization facility available. Easy to pledge as security and to get loan. Direct credit of corporate benefits like Bonus, Market Shares and Right Share in your account. Direct credit of Shares, Securities purchased from Market.
Nominal Service Charges

No stamp duty expense on transfer of securities. Saving of postal expenses and time etc. Very small amount of brokerage for sale / purchase of shares and securities Competitive interest will be charged on loans/advances against DEMAT shares & securities.
Depository Participant Service Dept. :
Branch Name Head Ofiice Nanpara-Athwa Lines Branch
Address 'Vasudhara', Parasi Navapara, Surat - 395003
SMS Banking Sheri, 98792 02918
First Floor, Beside Bank of Baroda, 98792 Athwa Gate, Surat - 395001. 02918
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RanderRoad Branch BhatarRoad Branch Morar Mansion, Adajan Patia, Surat 98792 - 395009. 02918 "Krishna Complex", Opp. 98792 L.B.Cinema, Bhatar Road, Surat 02918 395001.
3)
Branch Connectivity:
You may transact 24 * 7 banking from any branch.
4)
ATM Service:
It is a 24 * 7 service for your cash requirement.
Branches have such facilities:
Branch Name Main Branch
Address 'Vasudhara', ParasiSheri, Navapara,
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Surat - 395003 'Vasudhara', PaniuniBhint, talav SoniFalia, Bhagartalav, Surat - 395003 Opp.SubJail, RingRoad, Suart - 395002.
Bhagar Branch
Khatodara Branch
Bhatar Branch
"KrishnaComplex", Road Opp.L.B.Cinema, BhatarRoad, Surat - 395001. ShashvatApartment, GroundFloor, UmraJakatnaka, Surat - 395007. AbhishekApartment, KapadiaCompound, SumulDairyRoad, Surat - 395008. OppPoliceStation, UdhanStationRoad, NearSBI, Udhna, Surat - 395003. PlotNo.-1084, RoadNo.-6, G.I.D.C., Sachin, Surat. 'VasudharaBhavan' Timaliawad, Nanpura, Surat - 395001.
UmraJakatnaka Branch
Sumul Dairy Road
Udhna Branch
Sachin Branch
Timaliawad Branch
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5) SMS banking Services:
Our bank being always ahead in customer related services has introduced a new service for our customers. Customers will be able to remain in constant touch of the bank through their mobile phones. Salient features of the above mentioned SMS bank service are as follows:

The information of all your accounts on your single cell phone. 24 * 7 services.
SMS service for Customers:

Customers can send SMS from their cell phones to receive below mentioned responses.
Details Current balance of Accounts Back dated balance of accounts Cheques details 1
SMS
2 DDMMYY 3 111111
Return clearing information & cheque returned on debit 4 clearing Other bank information Help 5 6
6)
VAT (View Account Terminal) Services:
You can easily have information on the screen about your account details like balance and latest transaction. VAT are placed at all of our branches.
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View Account Terminal : 1. In idle state VAT displays details of various loans and deposits offered by the bank. 2. On touching the screen by finger (do not use any SHARP object) VAT will start.
7)
Demand Draft & Pay Orders:
Demand Draft:
Demand Draft is way for remitters to transfer money A demand draft is more secure than a normal cheque as it can only be credited to a specific payee's account, and a customer can only be reimbursed under indemnity if the draft is lost or stolen. People's bank draft is a low-cost, convenient method of payments.
PayOrderService:
Pay order is secure way to make payment. Pay order can be made of your party's name. And it is best proof of payment of this amount and on date. so, instead of giving cheque you can make pay order from bank and bank will make a payment from your account.
8) Branches Network:
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Main Office
Sagrampara Branch
Salabatpura Branch
Bhagatalav Branch
......
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A
A lower value for this ratio would indicate less concern for installments coming due within a year. There are other ratios intended to assess a companys capacity to cover its debt repayments and financing costs. One of these ratios measures how interest expense is being covered by the net income the company is generating:
Interest expense coverage = Net income before interest and taxes / Interest expense
This ratio is also called Number of Times Interest Earned, and represents how many times the net income generated by the company, without considering interest and taxes, covers the total interest charge. The higher the ratio the more solvent the company.
1) Activity Ratios:
Many useful gauges of operations can be calculated from data reported in the financial statements. For example, you can determine the average number of days it takes to collect on customer accounts, the average number of days to pay vendors, and how much of the operation is effectively being financed with payment terms extended by vendors.
Accounts Receivable Turnover = Total Credit Sales / Average Accounts Receivable

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SUMMER INTERNSHIP PR
This tells you the average
duration of accounts receivable for credit sales to customers. This in turn can be expressed in terms of the collection period, as follows:
Average Collection Period = Days in Year / Accounts Receivable Turnover
4) Profitability Ratios:
One of the most common profitability ratios is the profit margin. This can be expressed as the gross profit margin or net profit margin, and it can be expressed by company, by sector, by product, or by individual unit. The information reported on the income statement will enable you to determine the overall profit margin. If additional breakdowns are provided, more detailed margins can be calculated.
Gross Profit Margin = Gross Income / Total Revenue Net Profit Margin = Net Income / Total Revenue
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OJECT (SIP) REPORT ON 1.1 INDUSTY PROFILE:
Bank and banking are the most important and major factor in todays world economy. Each and every transaction is routed through banking. Not a single business is possible without banking activity. The bank and the business are related. Today we cannot imagine the business world without banking institution. Banking is an important as blood in the human body. Due to the development of banking , advances are increased and business activity developing so it is rightly said, The development of banking is not only root but also the result of the development of the business world.
The activity and facility provided by the bank such as collection of deposits from small investor, lending finance and leasing / cash credit, routine transaction is very important for economic growth on whole.
Every economic activity is done through bank in this new era. So economy whether it is developed, under developing or under developed need strong banking system from the economic point of view. The major task of bank and other financial institution is to act as intermediaries channeling, saving to investment. Through them, the investment requirements of savers are reconciled with the credit need of investors and consumers
DEFINITION OF BANKING:
A banking company is defined as a company, which transacts the business of banking in India. The Banking Regulation Act defines the business as banking by stating the essential function of a banker. It also states the various other businesses a banking company may be engaged in and prohibits certain business to be
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performed by it. The term banking is defined as accepting, for the purpose of lending or investment, of deposits of money from the public, repayable on demand or otherwise, and withdrawal by cheque draft, order or otherwise.
RATIO ANALYSIS
STRUCTURE OF BANKING IN INDIA:
The structure of the banking industry, its performance and efficiency which in turn, affects the banks ability to collect savings and channel them into productive investments. The success of banking sector very much depends on the ownership of banks-whether private or public or mixed-whether the industry in competitive or regulated in terms of interest rates, spreads between lending and deposit rates, and whether service charges are competitively determined or regulated by government or the central bank. India banking system comprises of both organized & unorganized banks. Unorganized banking includes bankers & village moneylenders.
: CO-OPERATIVE BANK:
DEFINATION:
A Co-operative is an autonomous of persons united voluntarily to meet their common economic, social and cultural needs and aspirations trough a jointly owned and democratically controlled enter price.
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STUCTURE OF CO-OPERATIVE BANK:

The Co-operative banking structure on India may be divided into three components:
1} 2} 3}
State Co-operative Banks Central C-operative Banks Primary Co-operative Credit societies
1} State Co-operative Banks:

The state co-operative bank is federation of central cooperative bank and acts as a watchdog of the co-operative banking structure in the state. Its funds are obtained from the share capital, deposits, loans and overdrafts from the Reserve Bank of India. The state co-operative Bank lends money to Central co-operative Banks and primary societies and not directly to farmer
2} Central urban Co-operative Banks:

These are the federations of primary in a district and are of two years those having a membership of societies as well as individuals. The funds of the bank consist of share capital, deposits and overdrafts from state co-operative bank and joint stocks. These bank finance member societies within the limits of the borrowing capacity of societies, they also conduct all the business of joint stock bank.
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3} Primary co-operative credit societies:

The primary co-operative credit societies are an association of borrowers and non-borrower residing in a locality in a particular locality. The funds of the society are from the share capital and deposits of members and loans from central co-operative banks. The borrowingUNDERTAKEN AT power of the members as well as of the society is fixed. The loans are given to members for the purpose of cattle, fodder, fertilizers, pesticides, implements etc.
BRIEF HISTORY OF URBAN CO-OPERATIVE BANKS IN INDIA

Co-operative banks in this country are a part of vast and powerful structure of co-operative institutions which are engaged in tasks of production, processing, marketing, distribution, servicing and banking in India. The beginning co-operative banking in this country dates back to about 1904, when official efforts were made to create a new type of institution based on principles of co-operative organization & management, which were considered to be suitable for solving the problems peculiar to Indian conditions. In rural areas, as far as the agricultural and related activities are concerned, the supply of credit was inadequate, and money lenders would exploit the poor people in rural areas providing them loans at higher rates. Co operative Banks in India are registered under the Co-operative Societies Act. The cooperative bank is also regulated by the RBI. They are governed by the Banking Regulations Act 1949 and Banking Laws (Co-operative Societies) Act, 1965.
Definition:
A co-operative bank is a financial entity which belongs to its members, who are at the same time the owners and the customers of
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their bank. Co-operative banks are often created by persons belonging to the same local or professional community or sharing a common interest. Co-operative banks generally provide their members with a wide range of banking and financial services.
development of co-operative banks:
THE SURAT PEOPLES CInitiatives towards
1. Reorganization of PACSs (a scheme by NABARD). 2. Licensing of new USBs liberalized. 3. National Co-operative Bank of India (NCBI) was registered in 1993.(Multi-state co-operative society)-it has no regulatory functions. 4. Co-operative development bank (set up by NABARD). 5. Lending and borrowing rates of all co-operative have been more or less completely freed or deregulated. 6. Allowing all PCBs to undertake equipment leasing and hirepurchase financing
Establishments:
Co-operative bank performs all the main banking functions of deposit mobilization, supply of credit and provision of remittance facilities. Co-operative Banks belong to the money market as well as to the capital market. Co-operative Banks provide limited banking products and are functionally specialists in agriculture related products. However, co-operative banks now provide housing loans also. UCBs provide working capital loans and term loan as well.
Functions:
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Co-operative Banks are organized and managed on the principal of co-operation, self-help, and mutual help. They work on the basis of no profit no loss. Profit maximization is not their goal. Co-operative banks do banking business mainly in the agriculture and rural sector. However, UCBs, SCBs, and CCBs operate in semi-urban, urban, and metropolitan areas also. The State Co-operative Banks (SCBs), Central Cooperative Banks (CCBs) and Urban Co-operative Banks (UCBs) can normally extendO-OPERATIVE BANK LTD. housing loans up to Rs 1 lakh to an individual. The scheduled UCBs, however, can lend up to Rs 3 lakh for housing purposes. The UCBs can provide advances against shares and debentures.
Cooperative banks in India finance rural areas under:

Farming Cattle Milk Hatchery Personal finance
Cooperative banks in India finance urban areas under:

Self-employment Small scale units Home finance Consumer finance Personal finance
Some facts about Cooperative banks in India

Some cooperative banks in India are more forward than many of the state and private sector banks. According to NAFCUB the total deposits & lending of Cooperative Banks in India is much more than Old Private Sector Banks & also the New Private Sector Banks. This exponential growth of Co operative Banks in India is attributed mainly to their much better local reach, personal
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interaction with customers, and their ability to catch the nerve of the local clientele.
Related posts:
1. Indian banking system: Development banks: Export-import bank of India (EXIM Bank) 2. Indian banking system: Development banks: National Bank of Agriculture and Rural Development (NABARD) 3. Indian banking system: Development banks: Small scale Industrial Development Bank of India (SIDBI) 4. Co-operative Banks in India 5. Role of development banks in the Indian economy 6. Indian Banking Sector Reforms: Licensing of New Banks in the Private Sector 7. Committee on Indian Banking Sector Reforms: Narasimhan Committee Report 8. Indian Financial Network (INFINET) and its impact on Indian banking system 9. Article on Indian Banking Sector: Globalization of International Banking 10.Indian Banking Sector Reforms in 1991
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(GTU Enr
ATIYA MAYURI D 1.2 Company profile
THE SURAT PEOPLE S CO-OP. BANK LTD.
INTRODUCTION:
With the advent of the 20th century, Co-operative Movement started in India. Late Raosaheb Varundavan Jadav a visionary dreamt of establishing Co-operative Bank. This Dream turned into reality in the name of The Surat Peoples Co-operative Bank Ltd.
The Surat Peoples Co-operative Bank Ltd was established in 1922 at Surat. Bank was registered on 10th March, 1922 and started functioning from 21st April, 1922.The Bank was first registered Urban Co-Operative Bank in India and became Scheduled Bank on 1st September, 1988.
The Bank is serving since last 87 years to the people of Surat. The bank is having network of 21 branches, 19 in Surat and 1 branch at Vapi and 1 branch at Navsari.
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he Bank is the "First Registered Urban Co-operative Bank" of India and among the first 13 Co-operative Banks to get the "Scheduled Bank" Status. It is the first Bank to provide the "Depository Participant Services" in South Gujarat.
Over the years, The Surat Peoples Co-operative Bank has set its eyes on the strategic planning for the future in order to arm itself to face competition in the wake of sea change that the banking industry has been witnessing on account of policy of liberalization of economy. Within the introduction of On-Line Computer System at all branches of theollment NO. 107040592096) bank; it is now well posed to render sustained, satisfactory customer service. It has also introduced Tele-Banking Facility. Linking of all its branches by satellite-switchgear from Local Area Network System (LAN) to Wide Area Network system (WAN) in due course is also contemplated. Efforts to open Banks branches at the key centre of Gujarat as also at Mumbai are already underway. It has introduced performance budgeting system since the year 1993 and has been concentrating on need based training of it
VASUDHARA, I.E. GODDESS OF PROPSPERITY is the symbol of the bank. Vasu means Wealth & Dhara means flow. So Vasudhara means safeguard the flow of wealth and to consolidate multiply and distribute it to the people for their well-being. Blessed by VASUDHARA, these young illustrious banks has crossed a number of mile stones during its journey on the path of progress and is well set to cross many of more of them during its perpetual march thereon.
Other Services:
Safe Deposit Lockers Depository Service Branch Connectivity
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ATM Service SMS banking Services VAT Services Demand Draft & Pay Orders Any Branch Banking General Insurance Foreign Exchange
Guide
1)
Safe Deposit Lockers
The Surat People's Co-Op. Bank Ltd. offer safe deposit lockers for safety of your valuables. We offer safe deposit vault or locker at a no of branches at reasonable rent depending upon the size of locker. Kindly contact Depository Service to your nearest branch for this facility.
2)
Depository Service :
DEMAT Account Through Surat People's Bank:
Physical Security holding are converted into Electronic holdings so no fear about loss of paper form securities, theft, fire or mutilation. No worry about bad delivery.
Comfort / Convenience

Speedy sale-purchase & transfer. No botheration for storing and preservation nor loss of securities. Sale-purchase, credit-debit by written mandate only.
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Freedom from inconvenience due to wrong signature and other objection in stock exchange. Security transfer without share transfer forms. Freedom from botheration to inform change of address to all the companies. Dematerialization facility available. Easy to pledge as security and to get loan. Direct credit of corporate benefits like Bonus, Market Shares and Right Share in your account. Direct credit of Shares, Securities purchased from Market.
Nominal Service Charges

No stamp duty expense on transfer of securities. Saving of postal expenses and time etc. Very small amount of brokerage for sale / purchase of shares and securities
Competitive interest will be charged on loans/advances against DEMAT shares & securities.d By:
Depository Participant Service Dept. :
Branch Name Head Ofiice Nanpara-Athwa Lines Branch RanderRoad Branch BhatarRoad Branch
Address 'Vasudhara', Parasi Navapara, Surat - 395003
SMS Banking Sheri, 98792 02918
First Floor, Beside Bank of Baroda, 98792 Athwa Gate, Surat - 395001. 02918 Morar Mansion, Adajan Patia, Surat 98792 - 395009. 02918 "Krishna Complex", Opp. 98792 L.B.Cinema, Bhatar Road, Surat 02918 395001.
3)
Branch Connectivity:
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You may transact 24 * 7 banking from any branch.
4)
ATM Service:
It is a 24 * 7 service for your cash requirement.
MR. SANJBranches have such facilities:
Branch Name
Address 'Vasudhara', ParasiSheri, Navapara, Surat - 395003 'Vasudhara', PaniuniBhint, SoniFalia, Bhagartalav, Surat - 395003 Opp.SubJail, RingRoad, Suart - 395002. "KrishnaComplex", Opp.L.B.Cinema,
Main Branch
Bhagar talav Branch
Khatodara Branch
Bhatar Road Branch
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BhatarRoad, Surat - 395001. ShashvatApartment, GroundFloor, UmraJakatnaka, Surat - 395007. AbhishekApartment, KapadiaCompound, SumulDairyRoad, Surat - 395008. OppPoliceStation, UdhanStationRoad, NearSBI, Udhna, Surat - 395003. PlotNo.-1084, RoadNo.-6, G.I.D.C., Sachin, Surat.
UmraJakatnaka Branch
Sumul Dairy Road
Udhna Branch
Sachin Branch
AY GOSH Assis
Timaliawad Branch 'VasudharaBhavan' Timaliawad, Nanpura, Surat - 395001.
5) SMS banking Services:

Our bank being always ahead in customer related services has introduced a new service for our customers. Customers will be able to remain in constant touch of the bank through their mobile phones. Salient features of the above mentioned SMS bank service are as follows:
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The information of all your accounts on your single cell phone. 24 * 7 services.
SMS service for Customers:

Customers can send SMS from their cell phones to receive below mentioned responses.
Details Current balance of Accounts Back dated balance of accounts Cheques details 1
SMS
2 DDMMYY 3 111111
Return clearing information & cheque returned on debit 4 clearing Other bank information Help 5 6
tant Professor 6) VAT (View Account Terminal) Services:
You can easily have information on the screen about your account details like balance and latest transaction. VAT are placed at all of our branches. View Account Terminal : 1. In idle state VAT displays details of various loans and deposits offered by the bank. 2. On touching the screen by finger (do not use any SHARP object) VAT will start.
7)
Demand Draft & Pay Orders:
Ratio Analysis
Demand Draft:
Demand Draft is way for remitters to transfer money A demand draft is more secure than a normal cheque as it can only be credited to a specific payee's account, and a customer can only be reimbursed under indemnity if the draft is lost or stolen. People's bank draft is a low-cost, convenient method of payments.
PayOrderService:
Pay order is secure way to make payment. Pay order can be made of your party's name. And it is best proof of payment of this amount and on date. so, instead of giving cheque you can make pay order from bank and bank will make a payment from your account.
8) Branches Network:
Main Office
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Sagrampara Branch
Salabatpura Branch
Bhagatalav Branch
MBA PROGRAMME
MahidharpuraBranch
KhatodaraBranch
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Nanpara-AthwalinesBranch
UdhnaBranch
KatargamBranch
(Year 2010-12) A SIP Report Submitted to Gujarat Technological University in partial Fulfillment of the Requirements for the Degree of Master of Business Administration [MBA]
MAHAVIR COLLEGE OF MANAGEMENT (MBA) Sr.No.149, Near Ashirwad Villa, New City Light Road,
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Bharthana, Vesu, Surat-395007 www.bmefcolleges.edu.in
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DECLARATION
I PARVATIYA MAYURI declare that this project report entitled RATIO ANATYSIS submitted as per Gujarat Technological University, MBA curriculum is my original work, based on the findings during the project. I assure that the data, facts and figures presented by us in this project report are true. It is not submitted in any other institute for the award of any other degree, diploma, fellowship or other similar title or prizes. I will not submit this project to any other person and I also promise not to allow or permit any other person to copy from this project in any form. If I am found as a defaulter as above declaration, I agree that our submission can be declared invalid and college has the right not to permit me to appear in the final exams. Date:
Thank you. PARVATIYA MAYURI D
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ACKNOWLEDGEMEN
We believe that we have succeeded in completion of the task of our project, but I am thankful to all those persons who have directly or indirectly helped us during this project work. My sincere and humble thanks to Dr. A.S.Abani, Director, Bhagwan Mahavir College of Management. We wish to express my profound gratitude and thanks to Mr.Sanjay Ghosh for devoting his valuable time, his consistent encouragement and guidance. I express a sense of gratitude to all the faculty members of our college who have been a constant source of inspiration for my throughout the project work. It is very prestigious for me to undertake my summer training at THE SURAT PEOPLES CO-OPERATIVE BANK Ltd. I am greatly thankful to Mr. Devangbhai Saraiya, Manager, Mrs. Hetal Desai, Executive Officer, Mr. Rakesh Pandiya, and also other staff members of THE SURAT PEOPLES CO-OPERATIVE BANK LTD. express my sincere to For their support and help required during the project.Their cordial attitude and valuable guidance has paved the way for my successful completion of the project. Further, I am thankful to all the people who spared time for me from their busy schedule and obliged me by giving their cooperation in the project.Last but not the least to mention, the almighty God, without whose blessing the project wouldnt have been completed.
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PARVATIYA MAYURI D
EXECUTIVE SUMMERY
The Surat Peoples Co-operative Bank Ltd. Plays vital role for the society by rendering efficient service to middle and lower class people of urban area. The main objective of m y study is to understand the theoretical frame work of Ratios made by a bank and final its practical implications with respect to the organization chosen, the Surat Peoples Co-operative Bank.
The section Introduction in this report includes values and principles of Co-operative Banks, information about the organization and principles of bank lending as introduction to the topic RATIO ANALYSIS. This project cover details regarding Ratios which includes objectives, eligibility for Ratio, disbursement of Ratio recovery process etc.
We have also include some practical case studies and how the bank assisting but financing of investment in project but due to recession in certain industry.
The assistance provided by the bank has been instrument in the emergence of a whole new class of entrepreneurs in Gujarat. It has maintained pace with other Co-operative banks in encouraging in Surat.
we include some introduction about the Ratio. We also analyze the Deposit data of The Surat Peoples Co-operative Bank.
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TABLE OF CONTENTS
Title. Page No. Chapter 1 INTRODUCTION 1.1 Industry Profile 1.2 Company Profile Chapter 2 Chapter 3 Literature Review Research Methodology 3.1 Problem definition 3.2 Research Objectives 3.3 Research Design 3.4 Sampling Design 3.5 Data Collection Method Chapter 4 Chapter 5 Chapter 6 Data Analysis and Interpretation Findings and Conclusions Recommendations Bibliography and References Appendix 1 19 27 50 57 57 58 58 60 54 62 69 70 71
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CHAPTER 1 INTRODUCTION
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CHAPTER 2 LITERATURE REVIEW
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CHAPTER 3 RESEARCH METHODOLOGY
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CHAPTER 4 DATA ANALYSIS AND INTERPRETATION
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CHAPTER 5 FINDINGS AND CONCLUSIONS
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CHAPTER 6 RECOMMENDATIONS
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APPENDIX
............
The using software is free version, you can upgrade it to the upgrade version.http://www.allimagetool.com
SumulDairyRoad
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PandesaraBranch
Rander Road Branch
BhatarRoadBranch
Umra Jakatnaka Branch
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RingroadBranch
A.P.M.CBranch
SachinBranch
TimaliawadBranch
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Vapi Branch Adajan Branch Varachha Branch Citylight Navsari
9) General Insurance:
Lockers

First co-operative bank, in Gujarat to obtain a Corporate Agency in General Insurance sector. Reserve Bank Of India granted and Insurance Regulatory and Development Authority (IRDA) license holder. Mediclaim House-hold Insurance Fire and Burglary Personal Accident Shop Keepers Machinery Breakdown Overseas Mediclaim for Foreign Exchange.
10)

Foreign Exchange: Received Authorized Dealer Category I - License by Reserve Bank of India. Now Foreign currency and Bank transactions are carried out in Surat People's Bank....
Ratio Analysis Deposits

Recurring Deposits
Vasudhara Deposit Fixed Deposits Vasudhara Pension Plan Cash Certificate
1) Recurring Deposits:
The object of recurring deposits is to provide an opportunity to build up savings through regular monthly deposits of fixed sum over a fixed period of time. Whatever your financial goals you can aim to achieve them with our Recurring Deposit Accounts. Set aside a small amount every month and earn interest on the whole amount.
Pass book issued for a record of all transactions. Premature withdrawal of accumulated amount permitted as per bank rules. Accounts can be opened in single or joint names. Nomination facility available.

Monthly Installment Scheme Saving on monthly basis Attractive interest rates. Bigger amount on Maturity "Lakhpati" Scheme available Choices of 12 to 60 Months
2) Vasudhara Deposit(Auto renewal scheme):

Vasudhara Deposit is same as Fixed Deposit. But it is auto renewal every month. it means your interest will be added directly to your deposit. so, next month your deposit would be your previous
Ratio Analysis
month deposit + your previous month interest = your current month deposit. 3) Auto renewal scheme. Eligibility:

Resident Indian Loan Available on Fixed Deposit Up to 90% of the deposit only 1% more interest than the deposit interest rate.
4) Fixed Deposits:
Our Bank offers you simple Fixed Deposits (at very competitive interest rate) . You can deposit money for 15 days to 10 years also. In Fixed Deposit, you can transfer you interest in your existing account (current, savings) quarterly.

Maturity period ranges from 15 days to 10 years. Range of choice of periods as per your choice and liquidity quarterly interest.
Eligibility:
Resident Indian
Loan Available on Fixed Deposit :
Up to 90% of the deposit.
5) Vasudhara Pension Plan:

Vasudhara pension plan helps you after retirement. This plan helps you to make financial security after retirement. This is just like deducting pension from your salary. but here you pension become more secure than your company. and even you will get interest on your pension.
Minimum Amount - Rs. 500
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In multiples of Rs. 100/- Thereafter Monthly Installment Scheme
6) Cash Certificate:
Cash Certificate Plan is same as Fixed Deposit. But in Cash Certificate you will get cumulative interest. Cash Certificate allows you to deposit your money as long as you wish. In Cash Certificate you will get more than double in 99 month.

Quarterly cumulative interest. Certificate of total amount for maturity date. Wide choices of 15 month to 99 months. More than double in 99 months.
Eligibility:

Resident Indian Loan Available on Cash Certificate Up to 90% of the deposit. only 1% more interest than the deposit interest rate.
Strengths

The Bank is the "First Registered Urban Co-operative Bank" of India. All Branches Connected in CBS. Among the first 13 Co-operative Banks in september 1988 to get the "Scheduled Bank" Status. The bank commenced "Total Branch Automation" in 1992-93. The Bank introduced "SMS Banking Facility" and "View Account Terminal" {VAT} facility at all branches for better customer service. Bank started its own "Training Centre" for providing training to its employees. The first Bank to provide the "Depository Participant Services" in South Gujarat. Only coop bank of South Gujarat to have direct connectivity to RBI server for RTGS /NEFT facility.
Ratio Analysis

Only bank to have direct connectivity with RBI server to have NECS facility. Only Bank to give RTGS /NEFT facility on STP basis - straight through processing .
Social Contribution
Donations made from the Charity Fund during the last many years.
Sr. No.
1 2 3 4 5 6 7 8 9
Name of the Institutions

Shri Surat Leuva Patidaar Panch Shri Kabir Saheb Mandir Shri Vidhyarthi Kedavani Sangh Shri Sachin Vibhag Kedavani Mandal Shri Gorbai Mata Mandir Trust Shri Bodamukhi Trust Satpanthi
Donation Amount Rs.

Donation 67,900/Donation 30,000/Donation 1,31,500/Donation 80,300/Donation 800/Mandir Donation 6,350/-
Shri Modh Dasha Ghoghva Amdabavadi Donation Vanik Panch 17,970/Shri Pandesar Kedavani Manda Shri Surti Kshatriya Panch, Mandir Total Donation 4,53,200/Donation 3,140/Donation 8,03,810/-
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BOARD OF DIRECTORS :
Narendra M. Gandhi Mukeshchandra N. Gajjar Jayavadan N.Bodawala Jagdishchandra S. Mehta Pravinkumar P. Modi Dilipkumar M.Gajjar Pravinchandra P. Jariwala Jayavadan T. Jariwala Ashit V. Gandhi Mukesh C. Dalal Sunil K. Modi Sanjay N. Tamakuwala Manhar N. Gandhi
President Vice President Director Director Director Director Director Director Director Director Director Director Director
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MANAGEMENT EXECUTIVE :
Chandrakant S. Jariwala Natwar Kothari Hemant Shah Harish Misty Mayank Baxi
Chartered accountant General manager Dy.General Manager Asst. General Manager Asst.General Manager
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GOAL ACHIEVED :
FINANCIAL POSITION AS ON 31.03.2011
SR.N O. 1. 2. 3. 4. 5.
DETAIL Authorized Share Capital Paid up share capital Reserve Fund Other Reserve And Fund Deposits:-Term Deposit Rs. 720.15 Saving Deposit Rs. 327.09 Current Deposit Rs.126.51 Advances Investment Working Capital Net profit Gross Profit Cost Of Deposit Cost Of Funds Gross N.P.A. Net N.P.A. Audit Class
AMT.(RS.IN CRORS) Rs. 50.00 Rs. 43.13 Rs. 72.66 Rs. 238.19 Rs. 1173.75 Rs. 821.51 Rs. 604.65 Rs. 1610.52 Rs. 39.68 Rs. 12.94 % 6.23 % 5.08 Rs. 13.98 0% A
6. 7. 8. 9. 10. 11. 12. 13. 14. 15.
Ratio Analysis 16. 17. Members Staff 72,300 408
PROGRESS REPORT
YEAR 1922 1947 1972 1982 1997 2004 2005 2006 2007 2008 2009 2010 2011
ADVANCES 29,716 29,716 2,77,35,841 16,86,36,674 1,19,95,66,259 3,31,70,62,961 3,51,84,40,276 3,59,13,32,358 4,59,84,37,964 5,73,32,81,084 5,93,95,65,323 6,78,46,41,849 8,21,80,20,427
DEPOSIT 51,184 52,28,644 5,02,08,397 24,45,88,152 2,78,70,85,041 6,89,32,92,847 6,22,32,72,179 7,20,16,49,932 7,94,33,33,742 9,45,17,55,702 10,06,39,04,903 12,05,05,00,718 11,73,75,46,894
RESERVE FUND 1,53,038 12,09,384 1,23,23,536 19,05,71,544 44,39,27,626 49,32,44,385 54,17,29,575 60,32,37,466 62,39,41,207 65,66,98,680 70,22,63,385 72,66,07,681
DIVIDEND (%) 4 7.5 9 12 15 15 15 15 15 15 15 15 15
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1. Regression analysis of saline soil improvement ratio of plants
Cultivating with saline-tolerant and avoiding plants can effectively improve saline soil. Saline soil improvement ratio was defined as the ratio of reduced content of total saline per unit mass of soil within one year after cultivating plants to the total saline before cultivating in this paper. In line with the close relationship soft the saline soil improvement ratio to plant coverage, pH value of soil and the concentrations of different saline ions, as proved by many experiments, a regression model, 88110)8,,2,1(xbxbbxxxfy+++==LL, had been developed. The results, which had tallied with the field test, showed that saline soil improvement ratio was most strongly affected by plant coverage than other factors. The regression model would be applied in selection of plant species that can improve saline soil, evaluation of soil improvement effects, and instruction to farming practice. The statistical test suggested that increasing green coverage could be regarded as one of effective ways to improve saline soil in the inland. Published: June 30, 2004
2. Initial sequencing and analysis of the human genome

The importance of sequencing the vast human genome is illustrated in this detailed article from International Human Genome Consortium (IHGC); a great team effort to gain maximal information of the genetic make-up in human beings. Basically, the progress made in this field took place in different phases, which were divided into categories focusing research on: (i) cellular basis (chromosomes), (ii) molecular basis (DNA double helix), (iii) genetic (cloning & sequencing), and (iv) very first genes & entire genome. Human genome is the largest genome sequenced so far, comprising of complexities of genes, transposable elements, GC-content (found to be of great
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interest), CpG islands and recombination rate which is comparative with genomes of simplest organisms. This genome project was basically inspired from sequencing of lower organisms like bacterial viruses, locating of disease genes of unknown function, and finally, physical maps of yeast, worms, flies and mice. A two-stage method was deployed for sequencing the genome: (1) Shotgun phase and (2) Finishing phase. Briefly, the genome was divided into sized fragments, cloned into large fragment cloning vectors, individually sequenced, gap-filled, assembled and other complications resolved through directed analysis before laying out a final version. In this first effort to understand the human genome, a draft genome sequence was released with the aid of various computational strategies, which turned out to be quite informative in terms of the actual human genome sequence. Eventually, a combinatorial effort from IHGC and Celera Genomics helped this venture because it involved combining some of the shotgun data information from the company with that of the publicized hierarchal shotgun data. In addition to vast collaborations, improvisations made in terms of detection of sequences using fluorescence, dye-terminators, specifically designed sequences, cycle sequencing and some added novel features were key factors operating in this success story. A remarkable number (~1.4 million) of Single Nucleotide Polymorphisms (SNPs) identified in this project, have aided the identification of several genes, especially related to human diseases (relevant links were provided to browse cytogenesis aberrations and cancer) and a number of STSs, mRNAs, ESTs, helped construct the physical maps of specific regions of chromosomes by analyzing subsets of these sequence contigs. With error rate of less than 1/10,000 bases, this draft sequence was considered to be very accurate with several salient features. Also, the junk DNA identified here was mentioned to be of great importance because it rendered important clues about evolution of complex human genome and resolution of several other long-standing problems. The human genomic sequence was mostly derived from a wide range of transposable elements and was compared to other complementary eukaryotic genomes like that of the fruitfly. An emphasis on GC (Guanine-Cytosine) content of the genome stretch
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where a functional relationship of high gene density to that of high GC content or influx of transposable elements was established in context of X and Y chromosomes existing in female and male genetic make-up respectively. The existence of transposons as creative forces in the genome and the origin of new genes was found to be as intriguing as their innovative power. Also, single sequence repeats (SSRs) seemed to play equally critical role in the human genome, especially acting as useful tools in mapping human disease genes. Duplications, Pericentromeric regions, Sub telomeres, and several SNPs presented a unique landscape for various chromosomes and were largely helpful in predicting actual gene content of this complex genome. Apart from identifying a wide range of RNA genes, a major application of this project was to identify protein-coding genes and also exploring the properties of already known genes. The properties of human genes were compared with that of worm and fly. This, in itself, was interpreted as a very useful information because with this effort, research on simplest organisms again proved to be crucial in the determination and understanding of a complicated genome like that of human. The gene and protein datasets obtained from this report were far from complete, but provided important clues and served as start points for experimental and computational research. A comparative approach of genomic and proteomic analysis led to several evolutionary innovations especially in relation to human, yeast, fly and worm genomes. Several groups of proteins; each one of them containing a minimum of one orthologue of each species were identified and their relationships were derived by sequence and functional comparisons. In addition, quantification of architectural differences in these organisms gave more clues to the evolution of higher vertebrates, for e.g., the fact that gene duplications were the major cause for evolution of new protein families and consequently new species, and/or complex genomes with advanced functional relevance but with somewhat common origins. These facts determined evolutionary ages of different species and their various relationships in terms of conservation, ancestry and assembly of sequences. For e.g., the draft sequence reported here represented the first global comparison for human and mouse genomes (remarkably, two identical
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genes per chromosome were identified and homology between human chromosome 4 to mouse chromosome 5 was observed). Apart from these basic applications, several direct applications immerged out of this sequence data; namely, identification of human disease gene regions, drug targets, regulatory regions, sequencing of additional large genomes and exploration of sequence to respective function. Although much remains to be seen, this information greatly aided further investigative studies on the human genome. Published: August 21, 2005
3. Use Method Fault Tree and Cost Benefit Analysis Ratio to Determine The
PT. PERKASA MOSTINDO UTAMA is a company that produces anti-mosquito drugs fuel. Safety problem is one of the main focus point PT. PERKASA MOSTINDO UTAMA increasing again due to the number of workplace accidents that occur in the production of the first 2008. Workplace accidents that occur most frequently in the area that is mixing, kneading, andpacking.
The objective of this research is to prevent the occurrence of workplace accidents with the search for basic causes of the accident fault tree analysis methods (FTA) and choose the alternative workplace accident prevention methods based on the cost benefit ratio (CBR). Results of the observation data shows that the frequency of accidents that occurred in the area five times, mixing, kneading in the area three times, and at the packing area twice. The results of the analysis and problem-solving that has been done at the location of each accident is based on the value of several alternative cost benefit ratio is lowest. Alternative prevention of accidents in the mixing area is an alternative that is 1 foot lowering engine with the value cost benefit ratio for Rp. 1,033,326.79. Alternative prevention of accidents in the area kneading is to provide
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an alternative to the 3 safety glass eyes (goggles) with a value of cost benefit ratio for Rp 5,424,965.63. Meanwhile, alternative prevention of accidents in the packing area is to provide an alternative to the 2 gloves with a value of cost benefit ratio for Rp. 13,019,917.50. Alternative is expected to be successful in a number ofaccidentsthatoccur. Published: February 11, 2009
4. Good Muscle to Fat Ratio
Good Muscle to Fat Ratio It may have been noticed that many health related articles today contain the theme Muscle Fat Ratio. Maintaining this ratio is very much essential for keeping the body fit. Before proceeding to the tips for maintaining this ratio, lets get a basic idea of what this ratio is all about. Muscle to Fat Ratio is simply means the numerical balance between the body muscle and the body fat. This ratio is mutilated if the amount exceeds the normal limit or the muscle amount decreases the threshold. It must be kept in mind that, to maintain this ratio, it is very necessary to stay concerned about the health aspects. It is also necessary to keep in mind the harmful effects of the changes in this ratio. Increase in the amount of fat leads to various chronic diseases like diabetes mellitus, heart diseases, obesity, arteriosclerosis, gallstones, etc. Hence, it is very necessary to stay in the normal muscle-fat ratio so as to stay fit, maintain the normal BMI (Basic Metabolic Rate) & also the other processes of the body & mind. The body fat is measured in many ways, starting from the bioelectrical impedance, skin fold treatment, hydrostatic weighing tanks, and infrared interactions. After the measurement of fat, it should be calculated how much fat should be reduced & how much muscle should be gained. There are many ways to bring the fat amount down to the normal. First & foremost, one
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should start becoming calorie conscious & should start consuming low calorie diet. Also, one should leave his bad food habits. Staying calorie conscious not only means how much you eat but also what you eat. Products like blue cheese, processed milk products, etc. are not suggestive for on-diet people. People can also take advice from various diet programs & can follow the allotted diet (strictly). Products like green leafy vegetables, fish help to gain proteins without much increase in fats. Hence they can be used to increase the muscle amount to the threshold limit. Daily workouts can help bring the fat level down & also increase the muscle amount if required. Workout does not necessarily mean gym. It can also be the simple exercises in the morning or at a suitable time. These exercises should start with the warming-ups & should continue with the normal workout. A regular yoga session can definitely help bring the body in shape & also balance the muscle fat ratio. Regular jogging or running, skipping, aerobics can help in burning the fat. Also, sports like swimming, football, basketball, etc. can help in gaining of muscles. It should be kept in mind that any exercise session should be followed by a healthy breakfast. This breakfast should contain constituents egg, milk & fruits. Products like bread, rice should be lowered a bit. Products containing saturated fats & oils should be very well avoided. It should also be remembered that after every food intake, one should not directly sit or sleep. There should be at least a 10 minute walk, especially after every lunch or dinner. It is seen that day by day, intake of junk food is increasing. These foodstuffs are rich in oils & spices & hence they contribute a lot to obesity but do not cause any change in the muscle/protein content of the body. Hence these foods, though tempting, should be avoided as much as possible. It is noticed that people who work in offices where mechanical work is not in schedule have more problems of obesity. Since they have to sit and work, their bodies are more prone to fat increase. Hence, it is recommended that these people should be much more considered about their fat muscle ratio. They should find time to stretch out during their office time. They should also be more regular in their daily workouts. It should be kept in mind that a healthy body contributes towards a healthy mind. Thus it can definitely help in
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increasing the power of the mind. Meditation is also suggested with regular workouts. For people who are much concentrated on muscle increase (those who do not have much fat problem), it is suggested t hat the protein intake should be increased. Foodstuffs, as mentioned above, like milk, eggs, fish, poultry can help gain protein weight. Also, regular gym workouts can be useful for the proper distribution of the increasing muscle. Athletic workouts, though much tougher are suggested for muscle development. It should be kept in mind that along with the increase in muscles in these people, fats too are increased, though in a very minute ratio. It is noticed that such fat muscle ratio problems have raised in every strata & every age group of the society. Children too have become victims of obesity thanks to the advancements in the world of entertainment & food. Children have become more addicted to televisions & also to junk food. Their concentration towards sports has lowered. Hence, it is the responsibility of the guardians to make sure that the children are balanced in their routines let it be studies or play. For this, adults should be able to make changes in themselves so that children can themselves judge the best for them. A well planned routine can definitely help in maintaining a proper muscle fat ratio as well as a healthy body & mind. Published: February 28, 2006
5. Railway network expansion and spatial accessibility analysisinChina:906~2000

In this paper, the indexes and models are used to measure the accessibility of transport network, such as total transport distance Di and accessibility coefficient. On the basis of The Shortest Route Model, the evolution of railway network, changes of the spatial structure in accessibility, the relationship between railway network distribution and spatial economic growth in past hundred years in China are analyzed. The results show that the evolution of railway network in China experienced 4 stages, that are initial stage,
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constructing stage, extending and optimizing stage, but the speed of spatial expanding is relatively slow. Hundred years construction of railway leads to Time-Space convergence. The spatial structure of accessibility displays different circles with one core, and radiates from Huabei Region to surroundings. The area, higher than nationwide average level in accessibility, expands from North China to East China and Middle China, and the center of accessibility moved from Tianjin to Zhengzhou gradually. The construction of railway impulses the evolvement of social economic spatial structure, the modernization of transport corridor will impulse spatial economic agglomeration further Published: November 03, 2005
The procedure adopted for conducting the research requires a lot of attention as it has direct bearing on accuracy, reliability and adequacy of results obtained. It is due to this reason that research methodology, which we used at the time of conducting the research, needs to be elaborated upon. Research Methodology is a way to systematically study and solve the research problems. If a researcher wants to claim his study as a good study ,he must clearly state the methodology adapted in conducting the research the research so that it way be judged by the reader whether the methodology of work done is sound or not. The Research Methodology here includes. 1. Meaning of Research. 2. Research Problem. 3. Research Design. 4. Sampling Design. 5. Data Collection method. 6. Analysis and interpretation of Data.
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3.1 Meaning Research:

Research is defined as a scientific and systematic search for pertinent information on a specific topic. Research is an art of scientific investigation. Research is a systematized effort to gain now knowledge. It is a careful investigation or inquiry especially through search for new facts in any branch of knowledge. Research is an academic activity and this term should be used in a technical sense. Research comprises defining and redefining problems, formulating hypothesis or suggested solutions. Making deductions and reaching conclusions to determine whether they if the formulating hypothesis. Research is thus, an original contribution to thee existing stock of knowledge making for its advancement. The search for knowledge through objective and systematic method of finding solutions to a problem is research.
3.2 Research Problem:

The first step while conducting research is careful definition of Research Problem. To ERR IS THE HUMAN is a proverb which indicates that no one is perfect in this world. Every researcher has to face many problems which conducting any research thats why problem statement is defined to know which type of problems a researcher has to face while conducting any study. It is said that, "Problem well defined is problem half solved. Basically, a problem statement refers to some difficulty, which researcher experiences in the context of either a theoretical or practical situation and wants to obtain the solution for the same.
3.3 Research Design

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A research designs is the arrangement of conditions for collection and analysis data in a manner that aims to combine relevance to the research purpose with economy in procedure. Research Design is the conceptual structure with in which research in conducted. It constitutes the blueprint for the collection measurement and analysis of data. Research Design includes and outline of what the researcher will do form writing the hypothesis and it operational implication to the final analysis of data. A research design is a framework for the study and is used as guide in collection and analyzing the data. It is a strategy specifying which approach will be used for gathering and analyzing the data. It also include the time and cost budget since most studies are done under these two cost budget since most studies are done under theses tow constraints.
The design is such studies must be rigid and not flexible and most focus attention on the following. 1. What is the study about? 2. Why is the study being made? 3. Where will the study be carried out? 4. What type of data is required? 5. Where can be required data be found? 6. What period of time will the study include? 7. What will be sample design? 8. What techniques of data collection will be used? 9. How will the data be analyzed? 10.In what style will the report be prepared?
TYPES OF RESEARCH DESIGN:

EXPERIMENTAL RESEARCH DESIGN
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EXPLORATORY RESEARCH DESIGN DESCRIPTIVE& DIAGNOSTIC RESEARCH
Exploratory Research Design: This research design is preferred when researcher has a vague idea about the problem the researcher has to explore the subject. Experimental Research Design : The research design is used to provide as strong basis for the existence of casual relationship between two or more variables.
Descriptive Research Design: It seeks to determine the answers to who, what, where, when and how questions. It is based on some previous understanding of the matter.
Diagnostic Research Design: It determines the frequency with which something occurs or its association with something else.
Research Design Used in this Project :
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Research Design chosen for this study is Descriptive Research Design. Descriptive study is based on some previous understanding of the topic. Research has got a very specific objective and clear cut data requirements.
3.4 Sampling Design:

Sampling is necessary because it is almost impossible to examine the entire parent population (i.e. the entire universe) various factors such as time available cost, purpose of study etc. make it necessary for the researchers to choose a sample. It should neither be too small nor too big. It should be manageable. THE sample size of past 3 years is taken for present study due to time limitation.
3.5 DATACOLLECTIONS
The process of data collection begins after a research problem has been defined and research design has been chalked out. METHODS OF PRIMARY DATA OBSERVATION METHOD INTERVIEW METHODS QUESTIONAIRE METHOD SCHEDULE METHOD
PRIMARY DATA: It is first hand data, which is collected by researcher itself.

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Primary data is collected by various approaches so as to get a precise, accurate, realistic and relevant data. The main tool in gathering primary data was investigation and observation. It was achieved by a direct approach and observation from the officials of the company. SECONDARY DATA: It is the data which is already collected by someone else. Researcher has to analyze the data and interprets the results. It has always been important for the completion of any report. It provides reliable, suitable, adequate and specific knowledges took data comprise annual reports and post records. Bank has provided me annual reports from 2010-2011 by help of which, I prepared my report. The valuable cooperation extended by staff members contributed a lot to fulfill the requirements in the collection of data in order to complete the project. Various statistical tools are applied depending on the research problem. In this study ratio analysis, comparative financial statements analysis, common size statements and Trend Analysis has been used for analyzing and interpreting the result.
1) NET WORKING CAPITAL:
= CURRENT ASSETS CURRENT LIABILITIES
FINANCIAL 31-03-2011 31-03-2012 31-03-2013 31-03-2014 INDICATORS PROVISIONAL PROJECTED PROJECTED PROJECTED CURRENT ASSETS CURRENT LIABILITIES NET W.C. 23.12 17.67 5.45 18.62 5.64 12.98 19.32 6.13 13.19 19.76 6.64 13.12
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31-03-11 31-03-12 31-03-13 31-03-14
2) CURRENT RATIO:
CURRENT ASSETS CURRENT LIABILITIES
FINANCIA L INDICATO R
CURRENT ASSETS CURRENT LIABILITIES
31-0302011 PROVISIONA L
23.12
31-03-2012 PROJECTE D
18.62
19.32
19.76
17.67
13.73
14.2
10.5
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CURRENT RATIO 1.31 1.36 1.36 1.88
2 1.8 1.6 1.4 1.2 1 0.8 0.6 0.4 0.2 0 31-0302011 31-03-12 31-03-13 31-03-14 Series1
INTERPRETATION: As a conventional rule, a current ratio of 2 to 1 or more is considered satisfactory. The people co-operative bank ltd. Has a current ratio of 1.33:1 ; therefore it may be interpreted in sufficiently liquide.
3) DEBT EQUITY RATIO:
TOTAL DEBT
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CAPITAL
FINANCIAL INDICATORS
31-03-2011 PROVISIONAL
31-03-2012 PROJECTED
31-03-2013 PROJECTED
31-032014 PROJECT ED
TOTAL DEBT CAPITAL DEBT EQUITY RATIO
34.48 14.35 2.40
36.06 20.49 1.76
28.46 27.22 1.05
20.90 34.64 0.60
INTERPRETATION: Its acceptable more than 1 and good to be more than two. The people co-operative bank ltd has a debt equity ratio is 2.40:1; it is good for bank.
4) DEBT TO QUASI EQUITY:
DEBT EQUITY
CAPITAL + SISTER CONSTRUCT DEBT
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FINANCIAL INDICATORS 31-03-2011 31-03-2012 31-03-2013 31-032014 PROJEC TED
DEBT EQUITY 33.73 29.18 27.37 1.07 21.58 34.10 0.63 14.02 41.52 0.34
PROVISIONAL PROJECTED PROJECTED
CAPITAL+S.C.D. 15.1 DEBT TO QUASI EQUITY 2.23
31-03-11 31-03-12 31-03-13 31-03-14 31-03-11
INTERPRETATION: Its acceptable less than 3. The people co-operative bank ltd has a debt to quasi equity ratio is 2.23:1. so it is good for the bank. .
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5) CASH ACCRUAL % TO NET SALES:
CASH ACCRUAL
*100
NET SALES
FINANCIAL INDICATORS
31-03-2011
31-03-2012
31-03-2013
PROVISIONAL PROJECTED PROJECTED
CASH ACCRUAL NET SALES CASH ACCRUAL % TO NET SALES
1.64
3.57
3.57
3.57
55.62 10.63%
85.18 11.40%
91.99 11.19%
99.03 11.10%
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31-03-11 31-03-12 31-03-13 31-03-14
7) INVENTORY TURNOVER:
SALES
STOCK
FINANCIAT INDICATORS
31-03-2011 PROVISIONAL
31-03-2012
31-03-2013
PROJECTED PROJECTED
SALES STOCK
85.18 1.11
91.99 1.20
99.03 1.29
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INVENTORY TURNOVER 76.73 76.65 76.76
31-03-12 31-03-13 31-03-14
In Surat peoples co-operative bank ltd. Many customers are daily use of banking service. Because of daily transaction.
Bank provided maximum services like setting facility specially when bank employees are busy.
Bank also provided ATM Services, and also provided SMS services and find out maximum of people are like e-payment because of save the find out SMS service are second most preferred by customers of bank.
Bank also provided loans to their customers like Education loan, machinery loan, home lone loan, vehicle loan and personal loan.
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They also provided extra information to their customers but satisfaction is good not excellent to servey. So that should improve their quality of service as well as friendliness.
From the findings the following suggestions are being made to the bank. To get optimum benefit. Bank have to increase more facilities to all account holders. Bank have taking economics decision to attract their customers. And account for day to day transaction.
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BILBIOGRAPHY AND REFERENCES www.google.com www.spcbl.in Financial management I.M.PANDEY VIKAS PUBLISHING HOUSE PVT.LTD.
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Ratio Analysis

MEANING OF FINANCIAL ANALYSIS

Bhagwan Mahavir College Of Management,Surat

Features of Financial Analysis...

Bhagwan Mahavir College Of Management,Surat. Page 2

Procedure of Financial Statement Analysis

Bhagwan Mahavir College Of Management,Surat. Page 3

TYPES OF FINANCIAL ANALYSIS

B) On the basis of modus operand

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FUNCTIONS OF FINANCE DEPARTMENT

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METHODS OF FINANCIAL ANALYSIS

COMPARATIVE FINANCIAL STATEMENTS

Bhagwan Mahavir College Of Management,Surat. Page 6

FORMS OF PRESENTING COMPARATIVE STATEMENTS

COMPARATIVE BALANCE SHEET

Bhagwan Mahavir College Of Management,Surat. Page 7

COMPARATIVE PROFIT & LOSS ACCOUNT

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OBJECTS AND ADVANTAGES OR USES OF RATIOANALYSIS

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LIMITATION OF RATIO ANALYSIS

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II. Long Term Solvency and Leverage Ratios:

III. Activity Ratios:

IV. Profitability Ratios:

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1) Liquidity ratios 2) Solvency ratios 3) Activity ratios 4) Profitability ratios

Current Ratio = Current Assets / Current Liabilities

Acid-test Ratio = Current Assets minus Inventories / Current Liabilities

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Cash ratio = Cash + Marketable securities / Current Liabilities

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Debt Ratio = Total Debt / Total Assets

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Indebtedness Ratio = Total Debts / Total Liabilities

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Short-term Debt Ratio or Quality of Debt = Short-term Debt / Total Debt

Accounts Receivable Turnover = Total Credit Sales / Average Accounts Receivable

Average Collection Period = Days in Year / Accounts Receivable Turnover

Bhagwan Mahavir College Of Management,Surat. Page 18

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STRUCTURE OF BANKING IN INDIA:

STUCTURE OF CO-OPERATIVE BANK:

1} State Co-operative Banks:

Bhagwan Mahavir College Of Management,Surat. Page 21

2} Central urban Co-operative Banks:

3} Primary co-operative credit societies:

BRIEF HISTORY OF URBAN CO-OPERATIVE BANKS IN INDIA

Initiatives towards development of co-operative banks:

Bhagwan Mahavir College Of Management,Surat. Page 23

Cooperative banks in India finance rural areas under:

Farming Cattle Milk Hatchery Personal finance

Cooperative banks in India finance urban areas under:

Self-employment Small scale units

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Home finance Consumer finance Personal finance

Some facts about Cooperative banks in India

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Most Popular Posts

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1.2 Company profile