Financial Performance of Cuddalore District Central Cooperative Bank Limited

Kumar Ts and V Yuvasri
Additional contact information
Kumar Ts: Jawahar Science College
V Yuvasri: IFET College of Engineering

Shanlax International Journal of Management, 2023, vol. 11, issue 1, 66-79

Abstract: This study utilizes both primary and secondary data to assess and analyze the financial performance of the Cuddalore District Central Cooperative Bank Limited. The secondary data was gathered from various sources such as profiles, books, magazines, and websites, while the primary data was collected through the annual report of the bank. The collected data underwent editing, coding, classification, and tabulation, and was further analyzed using various financial tools. Assessing a bank’s performance is crucial in today’s competitive banking landscape, as it enables them to develop their business strategies. Despite the ongoing use of financial ratio analysis by regulators for evaluating bank performance, opposition to this method persists, with opponents introducing new tools that aim to provide a comprehensive assessment of a bank’s overall efficiency. This research paper aims to determine the effectiveness of the CAMEL (Capital adequacy, Asset quality, Management quality, Earnings, and Liquidity) framework in capturing a bank’s overall performance. Additionally, it seeks to identify the relative importance weights of the factors within the CAMEL framework and recommend the most suitable ratios for bank regulators to use in evaluating efficiency. The data for this research is secondary and was collected from the annual reports of the Cuddalore District Central Cooperative Bank over a five-year period (2017-2022). Based on the findings, several suggestions were made to the bank, including providing financial advice to borrowers to enhance their performance and ensuring thorough scrutiny of members’ proposals before loan sanctioning.

Keywords: Financial Performance; CDCCB Financial Performance; Return on Assets; Cuddalore District Central Cooperative Bank; Camel Rating System of Financial Performance; Financial Worthiness of CDCCB; Cooperative Banking; Governance (search for similar items in EconPapers)
Date: 2023
References: View complete reference list from CitEc
Citations:

Downloads: (external link)
http://www.shanlaxjournals.in/journals/index.php/management/article/view/6284 (text/html)
http://www.shanlaxjournals.in/journals/index.php/m ... ticle/view/6284/6033 (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:acg:managt:v:11:y:2023:i:1:p:66-79

DOI: 10.34293/management.v11i1.6284

Access Statistics for this article

Shanlax International Journal of Management is currently edited by S.Rajamohan

More articles in Shanlax International Journal of Management from Shanlax Journals Madurai, Tamil Nadu, India.
Bibliographic data for series maintained by S.Lakshmanan ().