CONTENTSSerial. No. TITLEPAGE NO.Chapter-1 INTRODUCTION 1.1 Introdution o! the Stud"#1.$- Purpo%e o! Stud" #1.& -Plae o! Stud"1' 1.( -Sope o! Stud" 1'1.) -O*+eti,e o! the %tud" 111.- .ethodolo/" 111.0 -Data olletion 1$1.1 Tool%1$ 1.# Li2itation 12Chapter-$ PRO3ILE O3 4AN5 $.1 Introdution to 4an6in/ Indu%tr"1( $.$ Gro7th o! Indian 3inanial Setor 11 $.& Co-operati,e 4an6% in India 1# $.( -A*out Ori%%a State Co-operati,e 4an6 Ltd.$' $.) 3inanial 8i/hli/ht% o! OSC4 Ltd.&' $.- Retail 4an6in/ o! OSC4 Ltd. $.0 Introdution o! Corporate Go,ernane (' Chapter-& PRO9ECT O:ER:IE; &.1 Introdution o! 3inanial State2ent(&&.$ -.eanin/ and Conept o! 3inanial Anal"%i%(& &.& - O*+eti,e o! 3inanial State2ent Anal"%i%(( &.( -T"pe% o! 3inanial Anal"%i% ((&.) -Proedure o! 3inanial State2ent Anal"%i% (-&.- -.ethod% and De,ie% o! 3inanial Anal"%i% (0&.0 -Li2itation o! !inanial Anal"%i% )'&.1 -O,er,ie7 o! Ratio Anal"%i%)1Chapter-(ANAL caneasilyprocesstransactions asandwhenrequired. "hemost commonservices offered by bans in /ndia are as follow?A $an !ccounts? /t is the most common service of the baning sector. !n individual canopen a ban account which can be either savings, current or term deposits.A 3oans? Bou can approach all bans for different inds of loans. /t can be a home loan, carloan, and personal loan, loan against shares and educational loans.A #oney "ransfer? $ans can transfer money from one corner of the globe to the other byissuing demand drafts, money orders or cheques.A 'redit and 4ebit cards? #ost of the bans offer credit cards to their customer which canbe used to purchase goods and services on credit. &n the other hand debit card also used to drawcash easily.A 3ocers? #ost bans have safe deposit locers which can be used by the customers forstoring valuable, important documents or %ewellery.$aning Services for ;6/s?;on 6esident /ndians or ;6/s can open accounts in almost all /ndian bans. "he three types ofaccounts that ;6/s can open are?A ;on,6esident =&rdinary> !ccount , ;6& !CcA ;on,6esident =E2ternal> 6upee !ccount , ;6E !CcA ;on,6esident =Foreign 'urrency> !ccount , F';6 !Cc4an6in/ and 3inane=$aning industry in /ndia has evolved lately under the impact of the stimulus pacagesannounced by the )overnment. !ccording to the !nnual (olicy 2++.,+7 of the 6eserve $an of/ndia =6$/>, the central ban, ey monetary aggregates have witnessed some growth in 2++.,+7."his is reflected in the changing liquidity positions arising from domestic and global financialconditions and the policy initiatives taen by the government.!lso, reserve money variationsduring 2++.,+7 have largely reflected an increase in currency in circulation and reduction in thecash reserve ratio ='66> of bans.!ccording to a study by 4un D $radstreet =an international research body>,A/ndiaEs "op $ans2++.A,there has been a significant growth in the baning infrastructure. "aing into account allbansin/ndia, thereareoverall : on @anuary 2, 2++7 as against 21.8 per cent on @anuary 8,2++.. "he year,on,year =y,o,y> growth in non,food ban credit at 29.7 per cent as on @anuary 2,2++7washigherthanthat of22.+percent ason@anuary8, 2++.. /ncreaseintotal flowofresources from the baning sector to the commercial sector was also higher at 29.8 per cent ascompared with 21.- per cent a year ago. "he incremental credit,deposit ratio rose to .1.8 per centas on @anuary 2, 2++7, as against as on ;ovember 21, 2++., as compared with 29.1 per cent a year ago."here has been variation in credit e2pansion across ban groups. 'redit e2pansion as on @anuary2, 2++7forpublicsectorbansstoodat 2.. including the regional rural bans =66$s> at 21.2 per cent, foreignbans at 12.1 per cent and private sector bans at 19.8 per cent, according to the !nnual (olicyfor 2++.,+7 of the 6eserve $an of /ndia."he prime lending rates of public sector bans stood at 12 to 12.: per cent, private sector bansat 18.-: to 1C3arge Sized !griculture !nd #ulti (urpose 'o,operative Societies =3!#(S>CFarmers Services Societies =FSS>."he Farmcredit requirement of the farmer is met by these societies by availing loans from the 4''$s. "he&S'$ e2tends 6efinance facilities to the 4''$s for financing the (!'S. 4uring 1777,2+++, 6s. 82CFarmers Services Societies =FSS>."he Farmcredit requirement of the farmer is met by these societies by availing loans from the 4''$s. "he&S'$ e2tends 6efinance facilities to the 4''$s for financing the (!'S. 4uring 1777,2+++, 6s. 82$='. TheBank has been achieving all the *%6 0arameters.xi. 0rofits since !nception# $ The Bank has been earning profit since its inception andpaing divided to its shareholders uninterruptedl.xii. Corporate ?ision#$ The Bank aims at a vibrant Coop. Credit Structure bstrengthening 0ACS and &CCBs , best customer services through computeri+ationand antime$anwhere Banking and above all a satisfied clientele. OSC4 Ltd. Net7or6 !ngul Fnited ''$ !sa ''$ $alasore $hadra ''$ $ani ''$ $erahampur ''$ $hawanipatana ''$ $olangir 4''$ $oudh ''$ 'uttac ''$ *eon%har ''$ *hurda ''$ *oraput ''$ #ayurbhan% ''$ ;ayagarh ''$ Sambalpur 4''$ Sundaragarh ''$ Fnited (uri ;imapara ''$ Short Ter2 Credit Co-operati,e 4an6in/ Setor STATUS PAPER ON S8ORT TER. COOPERATI:E CREDIT STRUCTURE IN ORISSA "he short term cooperative credit in &rissa comprising 2-18 (!'S =including 21. 3!#(Sand < FSS> at the grass roots level, 1- 4istrict 'entral 'ooperative $ans at the middle rung and&rissaState'ooperative$anat theape2level havebeenrenderingyeomen0sservicetothefarming community. From out of around :+ lah agricultural families, 88.7. lah families havebecome members of the (!'S taing the coverage to 7+K. Pro/re%% in o,era/e o! 2e2*er% durin/ pa%t ) "ear% =