MBA FINAL PROJECT PRESENTATION

PROJECT TOPIC:

A STUDY ON THE EFFECTIVENESS AND IMPACT OF

CSR ACTIVITIES CARRIED OUT BY CALICUT CITY
SERVICE CO-OPERATIVE BANK LTD

DONE BY ABIJITH N
18MBA002
INTRODUCTION
COMPANY PROFILE
 The Calicut City Service Co-operative Bank, one of Calicut's most preferred bankers
commenced its operations in the 24th of July 2002. With a vision to serve the growing city's
rising financial needs, the Bank has been introducing innovative policies, schemes and loan
plans, especially for common man, ever since.

 The Bank's beginning was a humble one. But within a relatively short span of 15 years, the
bank grew from strength to strength, and is today the number one bank in Kerala with 26
branches within the city and a special mobile branch too, the Bank caters to the requirements
of a wide spectrum of people; an achievement worth mentioning for a bank operating in the
co-operative sector. No surprise that the Bank was awarded the ISO 9001-2000 certification
for all-round excellence in sectors.
Address

Calicut City service co-operative Bank,

Head Office, City Building,
City Bank junction, Chalappuram(post)
Calicut -673002
Ph: 0495 02703311, 2306311
Mob: 9446084311
 MOBILE BRANCH
 Imagine your bank coming to a place of your convenience rather than you having to go to it.
The Calicut City Service Co-operative Bank has given life to this amazing concept through a
mobile branch that travels around the city in a bus. You can just get in to it and get any of your
banking requirements done through this.
 This is a novel and innovative concept that the Bank has come up with. In these
times when banking has become a very easy and convenient task with the advent
of modern technology, it is necessary for a bank to meet the customer's
requirements with added efficiency and ease. It is with this idea and goal in mind
that the Calicut City Service Co-operative Bank has ventured in to the idea of
mobile branches. Soon, you will get to see more of these touring the city and
coming very near to you
BANKING SECTOR IN INDIA
 As per the Reserve Bank of India (RBI), India’s banking sector is sufficiently
capitalised and well-regulated. The financial and economic conditions in the country
are far superior to any other country in the world. Credit, market and liquidity risk
studies suggest that Indian banks are generally resilient and have withstood the global
downturn well.

 Indian banking industry has recently witnessed the roll out of innovative banking
models like payments and small finance banks. RBI’s new measures may go a long
way in helping the restructuring of the domestic banking industry.
 MARKET SIZE
 The Indian banking system consists of 20 public sector banks, 22 private sector
banks, 44 foreign banks, 44 regional rural banks, 1,542 urban cooperative banks and
94,384 rural cooperative banks in addition to cooperative credit institutions. As on
January 31, 2020, the total number of ATMs in India increased to 210,263 and is
further expected to increase to 407,000 by 2021.
 Public sector banks’ assets stood at Rs 72.59 lakh crore (US$ 1,038.76 billion) in
FY19.
 During FY16-FY20, credit off-take grew at a CAGR of 13.93 per cent. As of FY20,
total credit extended surged to US$ 1,936.29 billion.
 During FY16-FY20, deposits grew at a CAGR of 6.81 per cent and reached US$
1.90 trillion by FY20. Credit to non-food industries increased 3.3 per cent y-o-y,
reaching US$ 1.26 trillion on February 28, 2020 and US$ 1.42 trillion on March 13,
2020.
GOVERNMENT INITIATIVES
 As per Union Budget 2019-20, the Government proposed fully automated GST refund
module and an electronic invoice system that will eliminate the need for a separate e-way
bill.
 Under the Budget 2019-20, Government proposed Rs 70,000 crore (US$ 10.2 billion) to
the public sector banks.
 Government smoothly carried out consolidation, reducing the number of Public Sector
Banks by eight.
 As of September 2018, the Government of India made Pradhan Mantri Jan Dhan Yojana
(PMJDY) scheme an open-ended scheme and added more incentives.
 The Government of India planned to inject Rs 42,000 crore (US$ 5.99 billion) in public
sector banks by March.
 SOCIAL RESPONSIBILITY
‘‘we make a living by what we got, but we make a life by what we give’’-
:-Winston Churchill

Social responsibility is an ethical theory in which individuals are accountable for

fulfilling their civic duty, and the actions of an individual must benefit the whole of
society. In this way, there must be a balance between economic growth and the welfare
of society and the environment. If this equilibrium is maintained, then social
responsibility is accomplished. Social responsibility classified into two parts:
 Individual social responsibility
 Corporate Social Responsibility
Individual social responsibility
 Individual Social Responsibility or ISR is the responsibility of every individual for
his/her action. Charity, as the proverb goes, begins at home. Metaphorically, that is,
because Individual Social Responsibility (ISR) goes beyond charity. Simply put, ISR
encapsulates the very essence of humanity -- to be humane.
 It is about ownership, emotional investment and gratification – a personal journey.
  It is not the ‘art of giving’ but the ‘science of being’ in symbiotic relationship with our
immediate surroundings, communities, society and the world at large. It is about
sustainability persevered with ethics, integrity and unwavering generosity.
Corporate Social Responsibility
 Corporate Social Responsibility or CSR is a type of international private business
self-regulation that aims to contribute to societal goals of a philanthropic, activist, or
charitable nature by engaging in or supporting volunteering or ethically-oriented
practices. CSR is generally understood as being the way through which a company
achieves a balance of economic, environmental and social imperatives (“Triple-
Bottom-Line- Approach”), while at the same time addressing the expectations of
shareholders and stakeholders. In this sense it is important to draw a distinction
between CSR, which can be a strategic business management concept, and charity,
sponsorships or philanthropy.
 Key CSR issues: environmental management, eco-efficiency, responsible sourcing,
stakeholder engagement, labour standards and working conditions, employee and
community relations, social equity, gender balance, human rights, good governance,
and anti-corruption measures.
 CSR PRACTICES OF CALICUT
CITY
SERVICE CO-OPERATIVE BANK
 CARE FOUNDATION
 Calicut City Service Cooperative Bank Ltd. set up a Rs.400-crore cancer hospital and research centre at Choolor
near Vellalasseri, under the Chathamangalam grama panchayat on the outskirts of the city.
 A charitable society, Cancer and Allied
Ailments Research (Care) Foundation, formed
for the purpose, has decided to name the
hospital in memory of Communist Marxist
Party (CMP) leader M.V. Raghavan
(MVR Cancer Centre) in recognition of his
contribution to the cooperative sector in
the State. The governing body of the
foundation includes directors of
the bank, oncologists, doctors, engineers, retired police officers, and lawyers.
 A cancer hospital in the region has been necessitated in view of the increasing number of patients in north
Kerala. 
 DIALYSIS CENTRE
 Dialysis is a mean of artificial replacement of lost kidney function in people with renal failure.
It is in fact a life-saving procedure and is widely used as a 'holding measure' until a renal
transplant can be performed. Most commonly, a
patient might need multiple procedures of dialysis to
keep life going. But for many patients, repeated
performing of dialysis. might not be an affordable
option.
 It is to take this big burden off from patients that
The Calicut City Service Co-operative Bank at
Chalappuram in Calicut is providing Dialysis
treatment to needy patients at affordable costs. 
 The unit in this clinic consists of 6 beds absolutely free for the right persons. This initiative has proven to be a big
relief for hundreds of patients affected by kidney function failure. We have also given life to a City Charity Deposit
Scheme to float capital for the expansion of our charity work and relief activities
SAMBHARAM DISTRIBUTION
 
 As relief in summer, bank is providing free “sambaram” in the month of April to
May at Medical college, Choloor, Chalappuram and Railyway Station premises
every year. This is a great relief for people during summer
 NEETHI STORES
 
 Day by day, we are hearing of new kinds of ailments that are spreading in the world
around us. The modern lifestyles, food habits, lack of exercise etc. have brought about
a state whereby our bodies have become easily prone to diseases.
 This has given rise to the need for good medicines that can control, cure and at times
prevent these diseases. But the rising costs of medicines are today a big hazard. Even
life-saving medicines are being sold at rates that ordinary people can never afford.
With a vision of bring medicine to all.
 The Calicut City Service Co-operative Bank has started Neethi medical Stores in
Calicut. Through these stores, you can buy your medicines at subsidized rates.
Medicines are sold through these outlets at discounts of up to 40%, which makes it
affordable for everyone. You can find one near the Medical College which remains
open 12x7 and another one at Pushpa Junction. There is 06 Permanent Staff working
on shift basis.
 EMPLOYMENT TRAINNING
PROGRAMME
 Bank is conducting employment training program for 1000 women free of cost.
They are trained in different batches and training is given in areas like saree
printing, fabric painting, glass painting, pot painting, beads work, jewellery
making, paper craft etc. This scheme is organized as a part of women
empowerment program carried out by the bank. This enable women to become
self sufficient and earn a living.
BICYCLE TO STUDENTS

 The bank launched a one of its kind scheme in which bicycle are provided to
student of city school upon interest free loans. The student are to pay back the
loan only in two years, and the only guarantee the bank seeks is that of their
mothers
UMBRELLA DISTRIBUTION
 The bank also carries out free umbrella distribution for student near by schools every
year during month of June. This is done to support student.
 

MID-DAY MEAL PROGRAMME

 The Mid-day meal program by Calicut city service co-operative bank provides Mid-day
meal to 101 needy people above age of 60 years every day. This is one of the best
project of bank.
 AWARDS AND RECOGINITION
 
 Calicut City Service Co-Operative Bank offer Dr Varghese Kurian Award for the best farm
every year.
 Also, it gives awards and recognizes social workers, activists and unrecognized artists in the
society.
SCOPE OF STUDY

 
The area under the Calicut City Service Cooperative Bank Ltd. is spread in a
wide segment. Totally 26 branches are functioned under the Calicut City Service
Cooperative Bank Ltd. The CSR practices are not focused in a particular segment.
So the study is expected to deep into whether the CSR initiatives given by the
Cooperative Bank is effective or fruitful in meeting requirements of stakeholder
and society. The CSR activities carried down by the bank may have influence over
the banks financial performance as well as its image and the study will identify
the same.
OBJECTIVE OF THE STUDY

 To identify the CSR activities carried out by Calicut City service Cooperative
Bank.
 To assess the satisfactory level of customers non CSR activities of the bank and its
influence on performance and image of the bank.
 To find out the influence of CSR activities of the bank on customers preference.
 To examine the effectiveness and impact of CSR schemes on society
REVIEW OF LITERATURE
 The concept of corporate Social Responsibility (CSR) is not a new one. But its focal point
changes with the changing requirements of business and varying social needs Corporate
Social Responsibility recognizes that business firms have not one but many different kinds
of responsibility, including economic and legal responsibility.
 In 1960, CSR surfaced as an attempt to link business with society. The underlying belief
in this era was to apply the resources in a socially responsible manner i.e., the promotion
of social welfare along with the economic development. The main argument was to
employ economy’s means of production in such a way that production and distribution
could enhance total socio-economic welfare. In 1970s CSR was identified as the
conformance to industry principles. The basic idea was to widen the margin of CSR
implications from pure economical boundaries. In this regards, corporate houses ensured
the potential use of business resources with no compromise to business ethics. The
concept lead to profit maximization without deception or fraud to any party i.e
 Trotta et al.(2012) in their research found CSR as an important driver of reputation of any
institution and also creates economic value over time. Holder-Webb et al. (2009) argued
that CSR can be considered as a source to have a competitive advantage and an increase in
the company’s credibility with stakeholders and also to build a long-term reputation.
 According to Gautam and Singh (2010), the literature available on CSR indicates that the
CSR does not affect the company’s goodwill and reputation, but also has an adverse effect
on the financial performance.
 According to Tsang (1998), CSR has been a major area for research for many years. Bronn
and Vrioni (2001) stated that CSR as a notion developed principally in 1960 with the idea
that different organizations have responsibilities beyond their legal commitment. Turker
(2009) argued that initially CSR was just a compulsion on firms for social benefits.
 According to Abagial McWilliams et al. (2003), even though the exact definition of CSR is
not given anywhere but still CSR has many advantages for the banking sector
RESEARCH METHODOLOGY
 Research design

Empirical: It collects first-hand information from the customers using a structured

questionnaire.
Descriptive: Study is considered to be descriptive as it describes the present situation.
 
 Source data
Primary data: Primary data for the study is planned to be collected by means of questionnaire prepared for this
purpose.
Secondary data: Secondary data will be collected from bank’s annual reports, journal, websites,
newspaper and various published record.

 Sample design
Method of sampling: convenient sampling method will be adopted for the purpose of carrying out this project.
 Sampling frame
Calicut City is taken as the sampling frame.
 Sample size
The present study is conducted among 50 people which include
customers and general public. 
 Period of study
The study was held during the period of three month.
 Tools used
Percentage analysis is one of the basic statistical tools which is widely used
in analysis and interpretation of primary data.
Percentage = (No: of respondents/ total respondents) * 100
 Chi-square test
It is one of the most simplest and widely used non parametric test in statistical
work. The quantity chi-square describe the magnitude of the discrepancy between
theory and observation.
LIMITATION OF THE STUDY

 There is no effective tool for measuring the impact of CSR activities on society.
 It is difficult to find out beneficiaries of CSR activities, as the whole society affected.
 Financial performance and image of bank are affected by many factors. So, it is
difficult to assume that improvement has happened as a result of CSR activities.
 Since sharing of internal information with outsiders were restricted by the bank, it was
difficult to collect secondary data
DATA ANALYSIS
 CHART-1
Age wise classification of respondents