An empirical study on financial performance of anantapur urban cooperative bank

The concept of “Financial Inclusion” is inbuilt in the structure of Urban Co-operative Bank. As Urban Co-operative Banks are mostly working in the rural and semi-urban areas .They are the back bone of banking system and contribute for growth of the nation .The researcher aims to analyze the financial performance of Anantapur Urban Cooperative bank. The study used exploratory research design which relies on secondary data. The analyzed data reveals that there was significant growth in the deposits mobilization, loans and advances, working capital, reserves and owned funds. There is no significant growth in membership but there was significant growth in share capital per member with CGR of 9.43.There was significant increase in the total cash with the bank which is growing at CGR of 12.44.There was no significant growth in CDR .There was significant difference in the growth and composition of income. The total expenses were increasing significantly with CGR of 16.61. Even though there was increasing trend in the Net Profits earned during the study period except in the year 2006-07 but it was statistically in significant .The EPS of AUCB was enhanced which is statistically significant during the study. Therefore the performance of AUCB was satisfactory.