This document is a project report submitted to the University of Mysore in partial fulfillment of an MBA degree. It analyzes the financial performance of Mysore Co-operative Bank Limited from 2007-2009. The report includes an introduction outlining the objectives, scope and methodology. It also provides a profile of the banking industry and company. A literature review covers the Indian banking system, principles of lending, and modes of creating securities. The data collection and interpretation section analyzes key financial ratios to evaluate the bank's performance. Suggestions and conclusions based on findings are also presented.

1. “Financial analyses of Mysore co-operative bank limited”
A Project report Submitted to the University of Mysore, Mysore.
In partial fulfillment of the requirement for the award of the
Degree in Master of Business Administration.
By
JEEVITHA SJ
Reg. No 08MB3725
Guide
Mr. HARISH KUMAR
HARANAHALLI RAMASWAMY
INSTITUTE OF HIGHER EDUCATION, HASSAN
2010-11

2. HARANAHALLI RAMASWAMY INSTITUTE OF
HIGHER EDUCATION
HASSAN
CERTIFICATE
Certified that, the project entitled “financial analyses of MYSORE CO-
OPERTIVE BANK LIMITED “is a bonafide work carried out by Mr. in partial
fulfillment for the award of degree in Master of Business Administration of
the University of Mysore, Mysore during the year 2010-11.
(Mr.HARISH KUMAR ) (Dr.S.R. Jayaram)
Guide
Administrator

3. DECLARATION
I hereby declare that this project report entitled “financial analyses of Mysore
co-operative bank limited ” has been prepared by me under the guidance of
Mr.Harish Department of Business Administration, Haranahalli Ramaswamy
Institute of Higher Education, Hassan.
I further declare that this project report is prepared from the information
collected from the respondents and other financial institutions and that the same
is purely for academic purpose and that the report has not been submitted to any
other institution of higher learning for the award of any degree, diploma or other
similar title.
Date: JEEVITHA SJ
Place: Hassan Reg. No. 08MB3725

4. ACKNOWLEDGEMENT
I, express my deep sense of gratitude and sincere thanks to, Mrs GAYITRI
Assistant secretary of Mysore co operative bank Mysore ltd . who gave me an
opportunity to conduct this Research Project. I state with great pleasure this
report would not have been possible without the wonderful help from various
quarters, the list of which is quite too long.
I will take this opportunity to express my deep sense of gratitude to Mr.
HARISH KUMAR Dept. of Management studies, HRIHE, Hassan for his
guidance, continuous encouragement and valuable suggestions at every stage of
the Project.
I would also like to extend my deep sense of gratitude to my parents and all
my family members, friends, who have directly or indirectly supported and
helped me in the completion of my project successfully
Last, but not the least I would like to extend my thanks to all the unseen
hands that have made this project possible.
Date: 21-6-2010 JEEVITHA SJ
Place: Hassan Reg. No. 08MB3725

5. CONTENTS
Chapter No. Title Page No.
01 INTRODUCTION 1-7
1.1 Executive summary
1
1.2 introduction
3-4
1.3 Problem stamen
5
1.4 Objective of the study
6
1.5 Scope of the study
6
1.6 Methodology
7
1.7 Limitations of the study 7
02 PROFILE OF INDUSTRY/ COMPANY 8
2.1 industry profile 8-17
2.2 company profile 17-27
03 REVIEW OF LITERATURE 28-60
28-39
3.1 Indian banking system
39-41
3.2 principles of funds management or sound lending
41-60
3.3 modes of creating on securities
04 Data collection and interpretation 61 -77

6. SUGGESTIONS AND CONCLUSION 78-81
5.1 Findings 77-79
5.2 Suggestion 79-80
5.3 Conclusion 81
BIBLIOGRAPHY 82

7. LIST OF TABLE & CHARTS
TABLE NO. TITLE OF TABLES PAGE NO.
T 2.1 The table Showing current interest rates 27
on deposits
T 4.1 The table Showing debt to equity ratio 62
analysis from 2007 to 2009
T 4.2 The table showing Net Profit to 63
Advances Ratio
Analysis from 2007 to 2009.
T 4.3 The table showing Interest Income to 64
Advances Ratio
T 4.4 The table showing Interest Cost to 65
Advances Ratio Analysis
T 4.5 The table showing incomes to advances 66
ratio analysis
T 4.6 The table showing other Expenses to 67
Advance Ratio Analysis
T 4.7 The table showing Total Income to 68
Advance Ratio Analysis
T 4.8 The table showing total cost to advances 69
ratio analysis
T 4.9 The table showing Net Profit to Number 70
of Employees Analysis
T 4.10 The table showing deposit to number of 71
employees analysis
T 4.11 The table showing Growth of Profit 72
analysis
T 4.12 The table showing growth of advances 73

8. Ratio
T 4.13 The table showing Growth of Deposits 74
T 4.14 The table showing growth of expenditure 75
T16 The table showing dividend percentage 76-77