An analytical study of the utilization and appropriation of funds of Gorakhpur Kshetriya Gramin Bank, deposits and loans in the context of the period 1987 to 1998.

Abstract

Banks are very important institutions, they collect small savings from the public and provide financial resources to such areas where they are needed, hence banks are called traders of capital or money, like any state business undertaking, a banking undertaking too. The purpose is to earn profit, but with the profit making of the banking enterprise, its social responsibility is associated, such banking undertakings which are owned by the public, their responsibility becomes more so that they perform their duties towards the society and the nation more faithfully. But in spite of all this, the criterion of the efficiency of a bank is its profitability. Therefore, it is necessary to plan the resources received by the bank in such a way that they can be profitable. The funds received by the bank and their various investments should be coordinated. It is known that the funds received by a bank are its liabilities and investments are its assets. Makes an analytical study of loans and loans in the context of the period 1987 to 1998 and makes a brief attempt to evaluate the performance of banks through these basic indicators. key term. Gorakhpur, Regional Rural Banks, Funds, Appropriations, Deposits, Loans