Published Paper Details:

The Kerala State Cooperative Bank (KSCB) has played a pivotal role in the financial landscape of Kerala, contributing significantly to economic development and financial inclusion. This study conducts a comprehensive performance analysis of KSCB over the decade from 2007-08 to 2017-18, utilizing secondary data from NAFSCOB and other reputable sources. The analysis focuses on key financial indicators, including paid-up share capital, total reserve funds, total deposits, total loans, and working capital, alongside important financial ratios such as the deposit to loan ratio, capital adequacy ratio, and loan to asset ratio. Key findings indicate a substantial growth in paid-up share capital with a CAGR of 40.61%, reflecting significant capital strengthening efforts. While total reserve funds experienced a negative CAGR of -2.72% with notable volatility, total deposits grew steadily at a CAGR of 5.64%, demonstrating increased public trust and effective deposit mobilization. Total loans showed moderate growth with a CAGR of 3.05%, aligning with KSCB's cautious lending strategy, and working capital exhibited a robust CAGR of 9.85%, indicating improved liquidity and operational capacity. The ratio analysis highlights strategic shifts between conservative and aggressive lending approaches, efforts to bolster financial strength, and adjustments in risk exposure. The findings underscore KSCB's adaptability and resilience, providing critical insights for policymakers, bank management, and stakeholders to guide future strategies for sustainable growth and financial stability.