| Abstract | Abstract:
Liquidity management refers to the methods a banks employs both now and in the future to meet its shor
tterm or urgent needs.cash requirements without incurring large losses.It also ensures quick access to cas
h or liquid assets when needed.Because liquidity management affects risk as well as the longterm viability of banks' assets, The liquidity management practices of a few Indian public and private
sector banks are contrasted in this essay. Five public sector banks (Punjab National Bank, Bank of India,
Bank of Baroda, Union Bank of India, and State Bank India) and five private sector banks (ICICI,
HDFC, AXIS, IDBI, and Kotak Mahindra Bank) have been taken into consideration for the eight-year
period from 2015–16 to 2021–2022. Three ratios have been used to compare the liquidity management
practices of banks in the public and private sectors: the Cash-Deposit Ratio (CDR), the InvestmentDeposit Ratio (IDR), and the Credit-Deposit Ratio (CRDR).
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