EXTERNAL GUIDE

V. MOHAN
General Manager of
Urban Co-Operative Bank
Perinthalmanna


A Study on
Capital to Risk Assets Ratio with Special Reference to Urban
Co Operative Bank, Perinthalmanna, Kerala

Submitted By
PRATHEESH.P
1ST12MBA14

Submitted to
VISVESVARAYA TECHNOLOGICAL UNIVERSITY, BELGAUM
I n partial fulfillment of the requirements for the award of the degree of
MASTER OF BUSINESS ADMINISTRATION
Under the guidance of



Department of MBA
Sambhram Institution of Technology
Jyothinagar, M.S. Palya, Vidhyaranyapura Post
Bangalore 560097
June 2014



INTERNAL GUIDE
RAVI KUMAR
Asst. Professor, SaIT
Bangalore -97

TABLE OF CONTENTS

Chapter
No

PARTICULERS

PAGE NO
1
Introduction
1.1.Introduction about the internship
1.2. Topic chosen for study
1.3. Need for the study
1.4.Objectives of The Study
1.5.Scope of The Study
1.6.Methodology adopted
1.5. Literature review
1.6.Limitations of the Study

2
Industry Profile And Company Profile
2.1.Industry Profile
2.2.Company Profile
2.3.Promoters
2.4.Vision, Mission And Quality Policy
2.5. Product / Services Profile
2.6.Areas of Operation
2.7.Infrastructure Facilities
2.8.Competitors Information
2.9.SWOT Analysis
2.10.Future growth and prospects and financial
statement

3
Theoretical Background
35
4
Analysis and Interpretation
4.1. Tables and graphs
57 - 104
5
Findings, Conclusions and Suggestions
5.1. Summary of Findings
5.2.Conclusion and suggetions
5.3. Bibliography
105-109



LIST OF TABLES

Table No. TABLE NAME PAGE NO.

1
Statement Of Capital Funds, Risk Assets / Exposures And Risk
Asset Ratio -2011

57

2

Statement Of Capital Funds, Risk Assets / Exposures And Risk
Asset Ratio -2012

59

3
Statement Of Capital Funds, Risk Assets / Exposures And Risk
Asset Ratio -2013


61

LIST OF GRAPHS AND CHARTS

GRAPH
No.
GRAPH NAME PAGE NO.

1
. CAPITAL FUNDS
58

2
RESERVES AND SURPLUS


60

3
TIER II CAPITAL ELEMENTS


62

3

RISK ASSETS


64

4

CAPITAL FUNDS TO RISK
WEIGHTED ASSETS


66

5

CASH BALANCES


68

6
INVESTMENTS


70

7 LOANS AND ADVANCES

72

8
PREMISES, FURNITURE AND FIXTURE


74

9
MONEY AT CALL AND FIXTURE


76

10
TOTAL PERFORMANCE OF BANK


78


























ACKNOWLEDGEMENT
With a grateful heart I first thank God for his invisible guidance and grace for
successful completion of the project.
I would like to express my heart-felt gratitude to thank Principal Dr.H.G
CHANDRAKANTH, SaIT for his valuable suggestions and moral support throughout the
course of my project.
I would like to express my heart-felt gratitude to Dr.NAGARAJ, HOD, Department
of Management Studies, Sambhram Institute of Technology for his valuable suggestions and
moral support throughout the course of my project.
I am gratefully indebted to my internal guide RAVI KUMAR senior lecturer of the
department of MBA at SAMBHRAM INSTITUTE OF TECHNOLOGY, for encouraging
me and for his constant support throughout the course of the project and helping me complete
it successfully.
A special note of gratitude goes to my external guide V. MOHAN general manager ,
An Empirical Study On Capital To Risk Assets Ratio With Special
Reference To Urban Co Operative Bank, Perinthalmanna, Kerala for
providing me an opportunity to work in this corporate exposure and for his support and
guidance in this endeavour.
I wish to pledge and reward my deep sense of gratitude for all those who made this
project come alive.
I finally thank my family and friends for their constant support and guidance.

Name: PRATHEESH.P
USN.NO:1ST12MBA14






DECLARATION
I hereby declare that this project report entitled with An Empirical Study On Capital
To Risk Assets Ratio With Special Reference To Urban Co Operative Bank,
Perinthalmanna, Kerala is a bonafide record originally done by me under the guidance
of( Internal guide) RAVIKUMAR senior lecturer , Department of MBA and V.MOHAN
(External guide) being submitted to Visvesvaraya Technological University , Belgaum in
partial fulfilment of the requirements for the award of the Degree of Mater of Business
Administration during the year of 2012-2014.

I declare further that this report is my original work and has not been submitted to any other
university, institute for the award of any Degree, Diploma in the similar titles.






Place: Bangalore Name: PRATHEESH.P



Date: USN: 1ST12MBA14























EXECUTIVE SUMMARY

The 10 week dissertation project was undertaken at Urban co-operative bank ltd
Perinthalmanna. This study is mainly aimed at an overall exposure to the working of an
organization and to relate the theoretical concepts learnt in the classroom to the
organizational functions. The study has been conducted by collecting relevant primary and
secondary data. The report prepared thereon and presented here with is divided into two parts.

Part one includes in-plant training (ORGANISATION STUDY)
Part two includes study on a particular topic (CRAR)

The present study is particularly devoted to the CAPITAL TO RISK ASSETS
RATIO at THE URBAN CO-OPERATIVE BANK LTD PERINTHALMANNA. The
study is conducted at UCB LTD HEAD OFFICE.
The report concentrates on various types of capital adequacy ratios that can be
adopted at UCB LTD Perinthalmanna. This analysis will help bank to concentrate on high
valued capital funds and to implement stricter capital adequacy ratios. The study also shows
how the ratios are affecting the bank. The ratios have been studied for three years and how
the bank can gain an advantage has also been studied.
The various capital adequacy ratios have been calculated for various assets appearing
in balance sheet and how these ratios are affecting the business of bank have been studied.
These ratios help banks to maintain optimum level of capital funds to meet the requirements
of various stake holders who are related to bank and its business. They may be customers,
employees, etc. this is a new concept introduced to safeguard the stake holders.