![Open Access](https://i-scholar.in/lib/pkp/templates/images/icons/fulltextgreen.png)
![Restricted Access](https://i-scholar.in/lib/pkp/templates/images/icons/fulltextred.png)
![Open Access](https://i-scholar.in/lib/pkp/templates/images/icons/fulltextgreen.png)
![Open Access](https://i-scholar.in/lib/pkp/templates/images/icons/fulltext_open_medium.gif)
![Restricted Access](https://i-scholar.in/lib/pkp/templates/images/icons/fulltextred.png)
![Restricted Access](https://i-scholar.in/lib/pkp/templates/images/icons/fulltext_restricted_medium.gif)
Managerial Interventions in Redesigning Resource Flows
Subscribe/Renew Journal
The latest capital adequacy standard necessitate the banks to maintain minimum percentage of capital with respect to total assets for enhancing efficiency and confidence with a view to assess and manage risks, set financial requirements, when utilizing resources. The accepted convention is that the resource utilized by the banks in different time periods in various components and in a particular location or in a state must be proportionate to the resource collected from various sources and from specific place or state so that the inhabitants or state must get benefit out of activated resources. This study provides a test of resource classification by examining the prevailing practices of SCBs towards risk-return choices within overall guideline which have resource regeneration effect in their structural position. The paper argues that banks with a planned resource utilization approach will respond and manage risk-return through a greater reliance on systematic procedures of interdependence among SCBs, resulting in a greater tolerance of profitability performance. The study conclude that although no significant relationship exists between resource utilization and profitability performance between the SCBs in North Eastern states, but all the banking units have succeeded in minimizing the disparities and in improving profitability performance as compared to the national benchmarks.
Keywords
Resource Utilization, Interdependence, Variability in Performance, Regeneration.
User
Information
- Avkiran, N. K. (1999). The Evidence on Efficiency Gains: The Role of Mergers and the Benefits to the Public. Journal of Banking & Finance, 23 , 991-1013.
- Berger(a), A. N., & Humphrey, D. B. (1991). The Dominance of Inefectiveness over Scale and Product Mix Economies in Banking. Journal of Monetary Economics, 28 , 117-148.
- Das, S., & Chaudhury, D. S. (2011). A study of State Cooperative Banking System in the North Eastern Region of India. Intrernational Journal of Consumerism, 1 (1), 54-63.
- Desai., B. H. (1983, September Vol. XXI, No.1). Financial Performance of the State Land Development Bank- A Case Study. Land Bank Journal , pp. 21-23.
- Dutta, J. B. (2006). Cooperative and Economic Development in North East India. Shillong: Nandita Dutta.
- Joseph, P. J. (1995). A study of the Agrricultural and Rural Development Banks in Kerala with Special Reference to Funds Management. Kerala: Cochin University of Science and Tecnology.
- Narayanaswamy, N., & Ramachandran, S. R. (1987, October Vo. XXV, No.2). Profitability, Performance of District Cooperative Bank- A Case Study. Indian Cooperative Review , p. 215.
- Olusoji, M. (2003). Determinants of Private Savings in Nigeria: An Error Correction Approach. NDIC Quarterly, 13 (3), 29-38.
- Rumpi, D., & Uppal, R. (2009). Cost- Benefit Analysis of Commercial Banks in the Global Age: Strategies for Funds Management. The IUP Journal of Bank Management, VIII (3 & 4), 22-36.
- Sant, D. (1986, January Vol. 33, No.11). Resource Management by State Land Development Bank. The Banker , pp. 31-33.
- Singh, D. G., & Sukhmani. (2011, August Vol. 1 Issue 3). An Analytical Study of Profitability and Productivity of District Central Cooperative Banks of Punjab. Journal of Banking Financial Services and Insurance Reserch , pp. 128-142.
- Sinha, S. S. (1991, July- September Vol. XIV, No.3). Fund Management in Regional Rural Banks. Agricultural Banker , pp. 1-5.
- Vaikuntha, L. (1988, July). Recovery of Loans- A study of District Cooperative Bank, Dharward. Indian Cooperative Review , pp. 231-239.
- Varma, M. (1985, June). Central Cooperative Banks and Short Term Agricultural Credit. The Cooperator , pp. 71-78.
![](https://i-scholar.in/public/site/images/abstractview.png)
Abstract Views: 289
![](https://i-scholar.in/public/site/images/pdfview.png)
PDF Views: 2