Urban Cooperative Banks are one of the key pillars of Indian economy. Over a long period of time,... more Urban Cooperative Banks are one of the key pillars of Indian economy. Over a long period of time, these banks have been catering to the financial needs of the people of urban and semi urban areas. Till 31 st March, 2021, RBI has included 54 major Urban Cooperative Banks in the 2nd schedule of the Reserve Bank of India Act, 1934 and those banks are being recognised as Scheduled Urban Cooperative Banks (SUCBs). The researchers used CRm and the Herfindahl-Hirschman Index (HHI) to measure the level of market concentration and competitiveness of SUCBs in this study to give the policy maker an idea of the concentration of the market and the competitiveness of the sector. It has been seen that despite the growing trend in HHI over the years, competition in the SUCB sector has not diminished significantly.
Oral-facial-digital syndrome type 1 (OFD1) is an Xlinked disease in which hemizygous males die pr... more Oral-facial-digital syndrome type 1 (OFD1) is an Xlinked disease in which hemizygous males die prenatally ; affected females display facial dysmorphisms, cleft lip and palate, digital and central nervous system malformations, and polycystic kidneys. At the cellular level, we previously proved that OFD1 protein is a core centrosomal component and localizes to basal bodies of primary cilia in renal epithelia. To study OFD1 function in development, we used morpholino technology in zebrafish. We obtained morphants characterized by hydrocephalus and pericardial edema (50 %), bent body axes (30 %), randomization of brain and abdominal viscera laterality (25 %), and otolith anomalies. Less frequently pronephric cysts also occurred. A similar phenotype in zebrafish has been described following targeting of ciliary proteins (e.g. inversin or intraflagellar transport proteins), supporting a role of OFD1 in ciliary function. Kupffer's vesicle in fish is a transient structure, thought to have a similar role in determining laterality as the mammalian embryonic node. In OFD1 morphants, we find that Kupffer's vesicles do form but that their cilia appear slightly stunted. Our new data firstly demonstrate that OFD1 deficiency profoundly perturbs development and secondly suggest that OFD1 protein is required for morphological maturation and function of cilia. The cytoskeletal gene Ablim1 is expressed asymmetrically across the left-right axis and can be activated in a Nodal-independent manner in the left lateral plate mesoderm
A financial market, any marketplace or system in which buyers and sellers participate in the trad... more A financial market, any marketplace or system in which buyers and sellers participate in the trade of financial securities, is an integral part of any nation's economy. After giving an overview of the market, the paper delves into some of its core facets, focusing on market efficiency and the impact of monetary policy in the Indian context.
Indo-Asian Journal of Finance and Accounting, 2020
The objective of the present study is to find out any affiliation among capital adequacy, manage... more The objective of the present study is to find out any affiliation among capital adequacy, management ability and profitability in scheduled urban co-operative banks operating in India. Sound management is the key factors behind the performance of banking institutions. A strong capital adequacy absorbs any incidental loss due to the inherent threat of risk-based capital. Over the years, urban co-operative banks have a significant role in mobilising saving and deposits from small investors of lower and middle income groups and purvey credit to small borrowers including priority sectors of society. During the analysis of this study, various accounting and statistical tools were used. Accounting tools include ratio analysis, while analyse the data, arithmetic mean, standard deviation, coefficient of variation, test of significance, correlation coefficient, and multiple regression analysis have been applied. The affiliation of management ability with profitability in terms of cost of deposits and business per employee is found negatively related and non-interest income to working fund has a positive impact on profitability.
Keywords: Urban co-operative banks, profitability, correlation, multiple regression analysis
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Papers by SUBHAMOY DAS
Keywords: Urban co-operative banks, profitability, correlation, multiple regression analysis