ABSTRACT:
In the evolving landscape of India’s banking sector, cooperative banks continue to play a pivotal role in delivering financial services to underserved populations, making performance evaluation a crucial area of inquiry. This study presents a comprehensive five-year trend analysis (2020-2025) of the financial performance of the H.P. State Co-operative Bank, focusing on the key parameters: deposits, loans and advances, profit, total business, and corresponding per employee metrics. Drawing upon audited annual reports and official financial statements, the research evaluates both absolute performance and operational efficiency to uncover patterns of growth, stagnation, and volatility. The compound growth rates indicate sustained improvement in most indicators, with notable gains in loans and advances and total business. Per employee analysis further highlights the bank’s evolving productivity and institutional effectiveness in resource utilization. However, fluctuations in annual profit figures reflect underlying operational challenges that require strategic management attention. The findings underscore the relevance of cooperative banks in regional financial ecosystems and provide actionable insights for bank administrators, policymakers, and scholars interested in cooperative banking efficiency, financial planning, and rural credit delivery.