authors
Babu Venkatesh Prasad Gowda KK and Dr. TP Shashi Kumar

abstract
In today’s era, the banking sector plays a crucial role in supporting modern businesses. The progress of any nation largely relies on its banking system. Banks as financial institutions handle deposits, advances and other related services. Rural banking institutions have a significant impact on the comprehensive development of rural areas and rural women entrepreneurs within a state. In Karnataka, Regional Rural Banks (RRBs) are scheduled commercial banks that cater to the banking needs of rural areas at the state level. These banks are established nationwide with the aim of meeting the credit requirements and providing other facilities to the most privileged segment of society. The Regional Rural Banks were established in 1975 under the Regional Rural Bank Act of 1976. This research paper aims to analyze the financial performance of RRBs (KVGB) in Karnataka for 2017-18 to 2022-23. The study adopts an exploratory approach and utilize secondary data collected for the annual reports of Karnataka Vikas Grameen Bank. Various financial ratios are selected for the study, and statistical techniques such as mean, Standard Deviation and Coefficient of variance are employed. The analysis focuses on key performance indicators including the number of banks and branches, deposits, investments, loans and advances, share capital, reserve and surplus, and profitability. The study reveals that the bank’s financial position has demonstrated satisfactory results throughout the study period.