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@article{192008,
        author = {Dr.V.Alagu Pandian and M.Gulam Riyaz and Dr.P.Murugesan},
        title = {PERFORMANCE AND PROFITABILITY ANALYSIS OF COONOOR URBAN COOPERATIVE BANK},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {9},
        pages = {499-506},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=192008},
        abstract = {Urban Cooperative Banks (UCBs) play a significant role in promoting financial inclusion and supporting small-scale economic activities in urban and semi-urban areas. This study examines the financial performance of Coonoor Urban Cooperative Bank over a five-year period from 2018–19 to 2022–23. The analysis is based on secondary data collected from annual reports and bank records. Statistical tools such as growth rate, mean, standard deviation, coefficient of variation, and ratio analysis were employed. The findings indicate steady deposit growth, moderate profitability, and fluctuations in loan deployment. The study suggests strengthening credit management, improving income diversification, and enhancing operational efficiency for sustainable growth.},
        keywords = {Urban Cooperative Banks, Financial Performance, Income Analysis, Profitability, Credit-Deposit Ratio},
        month = {February},
        }