Abstract:
The study “Funds Management – a case study of Kattoor Service Co – operative Bank Ltd.” Was under taken to analyse the funds management in Kattoor service co – operative bank (KSCB). Ratio analysis covering efficiency in mobilization, deployment of funds and operational efficiency were employed for studying the funds management practices. The ratios were worked out based on secondary data collected from audited annual reports of the bank.
The study revealed that the bank has not effectively utilized the funds mobilized by it. The management of the bank has to take effective steps to improve the funds management more remuneratively. Even though the deposits of the bank have increased tremendously the Capital base of the bank has not expanded widely. The borrowings of the bank shows an increasing trend this in no at a all good sign as this will increase interest burden of the bank. The bank has not having a proper plan for management of its resources proficiently. The efficiency of the bank in the mobilization of the funds is palpable. The bank should try to maintain the proper management of its funds through diverse management techniques.
