The article looks at how managing money affects how much profit banks make in India. They studied 27 public banks and 20 private banks from 2011 to 2016. They used different ratios to measure how well banks manage their money, and looked at how much profit the banks made. They found that having too much cash or investments compared to deposits can lower profits. But overall, they found that banks can focus on making more money without hurting how well they manage their money, and vice versa.