SYNOPSIS

Name: SUVARNA KAMARTI

Reg, No: 19C01608

Title of the Project: “FINANCIAL PERFORMANCE ANALYSIS”

Name of the Bank: “DHARWAD URBAN CREDIT CO-OPERATIVE SOCIETY LTD”.

INTRODUCTION

It was an opportunity to learn and study the theoretical aspects of the ‘Dharwad Urban Co-
operative Society’. This study focuses on the Financial Performance Analysis of this co-
operative society and also collecting necessary information of the co-operative society
regarding for the study.

The word performance is derived from the word ‘Performer’ which means ‘to do’, ‘to carry
out’, or ‘to render’. It refers the act of performing execution, accomplishment. A subjective
measure of how well a firm can use assets from its primary mode of business and generate
revenues. This term is also used as a general measure of a firm’s overall financial health over
a given period of time, and can be used to compare similar firms across the same industry or
to compare industries or sectors in aggregation. The items such as revenue from operation,
operating income or cash flow from operations can be used, as well as total unit sales.

Furthermore, the analyst or investor may wish to look deeper into financial statement and
seek out margin growth rates or any declining debt. There are many stakeholders in a
company, including trade creditors, bondholders, investors, employees and management.
Each group has its own interest in tracking the financial performance of a company. The
financial performance identifies how well a company generates revenues and manages its
assets, liabilities and the financial interest of its stakeholders. The stakeholders with an
accurate and reliable financial statement that provides an overview of the company’s
financial performance.
OBJECTIVES OF THE STUDY:

 To study and analyse the financial performance of the “DHARWAD URBAN CO-
OPERATIVE SOCIETY LTD”.
 To analyse the liquidity and solvency position of the bank.
 To study the working capital management of the bank.
 To access the factors influencing the financial performance of the bank.
 To study financial strengths and weaknesses of the bank.
 To find out the performance of the study through ratio analysis.
 To understand the overall financial position of the bank.

NEED OF THE STUDY:

 To understand the meaning, significance and limitation of financial performance

analysis.
 To calculate liquidity, solvency, profitability and activity ratios of the Co-operative
Society.
 To make a comparative study and give solutions for the organisational improvement.

SCOPE OF THE STUDY:

 This study clearly defines the financial status of the concern during the working
period.
 The study report being made here brings out the financial structure and the position of
the “Dharwad Urban Co-operative Society” comparing from different years.
 The financial study helps us to analyse the financial background and the utilisation of
the income earned through the organization process.

RESEARCH METHOLOGY:

Following are the two sources of data collection:

 a. Primary Data
b. Secondary Data

a) PRIMARY DATA:
The information regarding primary data is collected by visiting the bank frequently
and the other relevant information was collected by personal discussion with the bank
department head and their subordinates.

b) SECONDARY DATA: The secondary data is collected from various sources of

the bank manual and bank’s annual reports for the study period.

LIMITATIONS OF THE STUDY:

The limitations of the study are furnished below:

 The financial details of the bank are collected for 4 years only.
 The information given from the bank was limited.
 In this study, only selected ratios are used.
CHAPTER SCEME

The present STUDY ON “FINANCIAL PERFORMANCE ANALYSIS OF DHARWAD

URBAN CREDIT CO-OPERATIVE SOCIETY LTD” has been divided into 5 chapters:

CHAPTER -1: INTRODUCTION

This chapter includes the following points:

 Brief introduction about the study

 Objectives of the study
 Need and Scope of the study
 Research methodology of the study
a) Primary method
b) Secondary method
 Limitations of the study

CHAPTER -2: CONCEPTUAL FRAMEWORK

This chapter deals with –

 Meaning and Definition of financial performance

 Functions of financial performance
 Tools and Techniques of financial performance
 Types of financial performance
 Formula and Basic concepts on Ratio Analysis

CHAPTER -3: CO-OPERATIVE SOCIETY PROFILE

This chapter explains about the COMPLETE PROFILE OF DHARWAD URBAN CREDIT
CO-OPERATIVE SOCIETY LTD.
CHAPTER -4: ANALYSIS AND INTERPRETATION

Analysis and Interpretation includes the analysis of different types of Ratios. They are:

1. Liquidity Ratio
2. Profitability Ratio
3. Risk and Solvency Ratio
4. Efficiency Ratio

CHAPTER -5: FINDINGS AND SUGGESTIONS

This chapter includes-

 Findings from the study of “FINANCIAL PERFORMANCE ANALYSIS OF

DHARWAD URBAN CREDIT CO-OPERATIVE SOCIETY LTD”.

 Suggestions to the DHARWAD URBAN CREDIT CO-OPERATIVE SOCIETY

LTD”. based on the above findings.