The co-operative banking structure is a three tier federal one as follows; A State Co-operative Bank works at the apex level (ie. works at state level), The Central Co-operative Bank works at the Intermediate Level (ie. District Co-operative Banks Ltd. works at district level), Primary co-operative credit societies at base level (At village level). District Co-operative Central Banks (DCCBs) play an important role in meeting the growing credit needs of farmers and rural traders. DCCBs mobilise savings from the middle and lower income groups and purvey credit to small borrowers, including weaker sections of the society. This book has been written to give a clear picture and to evaluate the development of the co-operative banks in our country and also to evaluate financial performance of DCCBs in Andhra Pradesh. Besides, it includes a case study of the financial performance evaluation of DCCBs in the district of Visakhapatnam.
Literatures in co-operatives are lacking, that too in the form of books. Very few people attempted to write the District co-operative central banks, Visakhapatnam. Strenuous efforts have been undertaken by Mr. N. Barou, Mr. G. M. Laud and Prof. B. N. Choubey to write books on co-operative banks in India, during various periods.
CHAPTER
1 INTRODUCTION
• Origin of Cooperative Movement
• Co - Operative Systems
• Co - Operative Banking and its Origin
• Development of Co-operative Banking in India
a) Cooperative Credit Institutions
b) Government Role
c) Role of State Government
d) Role of RBI
e) Role of Commercial Banks
f) Role of NABARD
g) Role of NCDC
h) Role of International Cooperative Alliance
i) Banking Regulations Act 1949
• Development of Co-Operative Banking in Andhra Pradesh
a) Single Window Credit Delivery System
b) The AP Mutually Aided Cooperative Societies Act 1995
c) Promotional Role of AP Government
d) Primary Agricultural Co-operative Credit Societies
e) District central Co-operative Banks
f) AP State Cooperative Bank
• Financial Reforms in Co-operative Banking
• The Problem of Over dues
• Conclusion
2 OBJECTIVES AND METHODOLOGY
• The Problem
• Objectives of the study
• Hypotheses
• Methodological Issues
• Review of Literature
• Presentation of the Thesis
3 DISTRICT CO-OPERATIVE CENTRAL BANK, VISAKHAPATNAM
• Profile of Visakhapatnam District
• Evolution And Development of DCCB, Visakhapatnam
• Branch expansion
• Objectives of the Bank
• Membership
• Organization and Management
• Departments
• Affiliation to Societies
• Audit Classification
4 FINANCIAL PERFORMANCE OF DCCB, VISAKHAPATNAM
• Internal sources
a) Share capital
b) Reserves
c) Own funds
• II. External sources
a) Borrowings
b) Deposits
• III Financial Performance of DCCB, Visakhapatnam
a) Capital Adequacy
b) Profitability
Dr.D.Varalakshmi is an Associate Professor and department Head of the MBA Department at the Visakha Institute for professional studies, Visakhapatnam. She is having 10 years of experience in teaching. She holds MBA , M.Com. and Ph.D. degree in Finance from Andhra University. In addition to this she had published many research papers in international journals in the field of Finance. Her teaching interests include Management Accounting, Financial Management, Strategic Financial Management ,security analysis & portfolio management
Salient Features:-
1. Wide coverage on the topic of co-operative banking.
2. Designed to meet the needs of co-operators, students and teachers.
3. Presented in a most lucid, simple, unambiguous and precise manner with well designed tables and figures.
Subject Covers:-
• Co - Operative Systems
• Role of State Government
• Role of RBI
• Role of Commercial Banks
• Role of NABARD
• Role of NCDC
OBJECTIVES AND METHODOLOGY
• Presentation of the Thesis
• Review of Literature
• Hypotheses
• Methodological Issues
• Objectives of the study
DISTRICT CO-OPERATIVE CENTRAL BANK,
• Departments
• Organization and Management
• Affiliation to Societies
This Book Useful for the students of :-
MBA, BBA, B.COM, MMM, MARKETING & so on related courses of management & Commerce ALL RELATED MANAGEMENT COMMERCE STREAMS
