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Conclusion

The document discusses the role of Asset Liability Management (ALM) in enhancing the performance of Urban Co-operative Banks in India. It concludes that while ALM is a crucial management tool, many banks only implement it for compliance rather than effective practice, relying on past trends for decision-making. The document also highlights the simplicity of the business model of these banks, which contributes to their manageable operations despite limited product offerings.

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16 views3 pages

Conclusion

The document discusses the role of Asset Liability Management (ALM) in enhancing the performance of Urban Co-operative Banks in India. It concludes that while ALM is a crucial management tool, many banks only implement it for compliance rather than effective practice, relying on past trends for decision-making. The document also highlights the simplicity of the business model of these banks, which contributes to their manageable operations despite limited product offerings.

Uploaded by

chaitanyakumbhar922
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Conclusions and Suggestions

7.1 Introduction

7.2 Conclusions

7.3 Suggestions

1
7.1 Introduction:

The Banking Sector of Indian Economy plays a very dynamic and imperative role for

the development of country; wherein there has been addition of modern banking

practices to that of the traditional banking practices. The researcher in previous

chapter has carried out the analysis and has come up with some critical measures

and observations related with present study. The present study helps to find out

those activities which can take into account the changing panorama of Urban Co-

operative Banks in identifying and managing the risks which can help to keep up

assets quality in order to enhance profitability with the help of Asset Liability

Management techniques. The researcher has furthermore evaluated effectiveness

of Asset Liability Management practices which can be considered as an

important strategy for an improvement of performance of Urban Co- operative

Banks. In order to draw a special attention on some of the important aspects of

Asset Liability Management practices of Urban Co-operative Banks, the

researcher has come up with following conclusions and has also made some

recommendations herein this chapter.

2
7.2 Conclusions

Based on the analysis of data collected through primary source of questionnaire,

researcher has drawn some conclusions and observations which are listed below-

1) Asset Liability Management is a management tool for managing assets

and liabilities and thereby managing business effectively. It manages

various risks of banking business. Hence, there is considerable scope for

implementation of Asset Liability Management practices in Urban Co-

operative Banks also.

2) It seems that most of the Urban Co-operative Banks undertake this

exercise only for compliance purpose. These banks compile data on assets

and liabilities only for reporting purpose. The compiled data is not used in

the actual practice. The decisions on interest rates, liquidity management

and business plans are made based on past trends. So, in true sense Asset

Liability Management is not practiced effectively in most of the Urban

Co-operative Banks.

3) The Urban Co-operative Banks are having a few products and services.

Their business model is also simple. Since their products and services are

limited, complexities are less; their customer base and business volume is

small, they do not have more volatility in business. When everything is

steady, it is manageable easily. So, they find it convenient to manage

business without making analysis.

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