S.B.MahajanashettiG.S.Harshitha2016-08-102016-08-102007http://krishikosh.egranth.ac.in/handle/1/71802Farm credit is a strategic input and demand for it steadily increased with the advent of modern technology. Among the various financial institutions, the co-operatives have emerged as a major source of agricultural credit. A three- tier system of co-operative credit structure came into existence to meet short term and medium term credit requirements of the farmers. An enquiry into the working of DCC bank Shimoga could reveal interesting facts about the bank’s performance according to geographical variations. Two DCC bank branches were selected for the study, which represented two different geographical regions. The study was based on both primary and secondary data. The growth in the number of branches, employees, membership and deposit account was positive and significant. Except the number of loan account and over due amount all the other financial variables showed positive and significant growth. The liquidity and solvency position of the bank was found to be sound. However, the net profit to net worth ratio was found to be negative from 1998-99 to 2002-03. The recovery percentage for the selected DCC bank branches increased over the years. The regression analysis suggested that the variables, namely experience and training undergone by Chairman and Managing Director positively and significantly influenced the overall performance of the bank. The discriminant function indicated that higher level of education and family size tended to increase the number of willful defaulters.Thesis