A Study on Ratio Analysis in The Masulipatnam Co-operative Urban Bank Ltd. Machilipatnam, Andhra Pradesh
DOI:
https://doi.org/10.53573/rhimrj.2025.v12n3.004Keywords:
Ratio Analysis, Co-operative Bank, Financial Performance, Liquidity, Profitability, MachilipatnamAbstract
This paper explores the financial health of the Masulipatnam Co-operative Urban Bank at Machilipatnam through a comprehensive ratio analysis. Financial ratios serve as critical tools in evaluating a bank's performance, efficiency, and stability over time. The study focuses on key ratios such as liquidity, profitability, solvency, and efficiency, using data collected from the bank's financial reports over a selected period. The findings aim to highlight the strengths and potential financial concerns within the bank's operations and offer practical suggestions for improvement.
References
Financial Statements and Reports (2019-20 to 2023-24) – Internal Company Records.
Industry Standards and Financial Ratios – Reference from Financial Analysis Guidelines.
Accounting Principles and Methods – Adapted from Generally Accepted Accounting Principles (GAAP).
Ratio Analysis and Interpretation – Sourced from "Corporate Finance" by Stephen A. Ross, Randolph W. Wester field, and Jeffrey F. Jaffe.
Operational Efficiency and Profitability Benchmarks – Based on industry reports and market analysis.
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Financial Statements and Reports (2019-20 to 2023-24) – Internal Company Records.
Industry Standards and Financial Ratios – Reference from Financial Analysis Guidelines.
Accounting Principles and Methods – Adapted from Generally Accepted Accounting Principles (GAAP).
Ratio Analysis and Interpretation – Sourced from "Corporate Finance" by Stephen A. Ross, Randolph W. Westerfield, and Jeffrey F. Jaffe.
Operational Efficiency and Profitability Benchmarks – Based on industry reports and market analysis.
Textbooks
"Financial Statement Analysis" by K. R. Subramanyam
"Analysis for Financial Management" by Robert C. Higgins
"Financial Accounting" by Jerry J. Weygandt, Paul D. Kimmel, and Donald E. Kieso.
Websites
Investopedia – https://www.investopedia.com
Search for "Ratio Analysis" – excellent beginner to intermediate explanations.
Accounting Tools – https://www.accountingtools.com
Simple explanations for various types of financial ratios.
Coursera / edX – Search for finance or accounting courses with modules on ratio analysis.
Many courses are taught by professors from top universities.
