Financial Resources, Resource Deployment And Financial Performance: a Case Study Of Thiruvananthapuram Urban Cooperative Bank, Kerala
Year: 2026
Type: article
Abstract: Urban Cooperative Banks are an important part of the cooperative banking system, particularly in mobilising and deploying financial resources. This article examines the financial resources, resource deployment and financial performance of Trivandrum Cooperative Urban Bank Ltd. No. 1959 during 2015–16 to 2024–25. The analysis is based on secondary data obtained from the bank’s annual reports and uses trend analysis and financial ratios to examine resource mobilisation, capital structure, lending, liquidity and working profit. The analysis shows that total assets, deposits and loans and advances declined considerably during the period, whereas funds and reserves increased and accounted for a larger share of the financial structure. The pattern of resource deployment also changed, with variations in lending and liquid assets over the period. Working-profit ratios improved during the middle years, followed by a sharp decline in 2022–23 and 2023–24 and a partial recovery in 2024–25. The results indicate the need to strengthen resource mobilisation, improve the productive use of available funds and maintain an appropriate balance between lending and liquidity to support sustained financial performance.
DOI: 10.1922/fffyk931
Authors: Dr Laxmi Suresh Babu, Archana G S, Dr Resmi R
Language: English
Subfield: Accounting
Domain: Social Sciences
Open Access status: hybrid
OpenAlex ID: W7219646003