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13.11.2008 Alm Jan 2008
1. Assets Liability Management ALM It is a dynamic process of Planning, Organizing & Controlling of Assets & Liabilities- their volumes, mixes, maturities, yields and costs in order to maintain liquidity and NII.
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8. Duration of First National Bank's Assets and Liabilities Duration in year (or in %) 0.4 X (5/100)
18. SOURCES OF INTEREST-RATE RISK Figure 12-1a illustrates a possible scenario Figure 12-1b shows the net interest income (NII), i.e., interest income minus interest costs
19. SOURCES OF INTEREST-RATE RISK Figure 12-1c: non interest expenses are partially floating Figure 12-1d : the result is the net earnings for the bank
32. Maturity Pattern of Select Assets & Liabilities of A Bank Liability/Assets Rupees (In Cr) In Percentage I. Deposits a. Up to 1 year b. Over 1 yr to 3 yrs c. Over 3 yrs to 5 yrs d. Over 5 years 15200 8000 6700 230 270 100 52.63 44.08 1.51 1.78 II. Borrowings a. Up to 1 year b. Over 1 yr to 3 yrs c. Over 3 yrs to 5 yrs d. Over 5 years 450 180 00 150 120 100 40.00 0.00 33.33 26.67 III. Loans & Advances a. Up to 1 year b. Over 1 yr to 3 yrs c. Over 3 yrs to 5 yrs d. Over 5 years 8800 3400 3000 400 2000 100 38.64 34.09 4.55 22.72 Iv. Investment a. Up to 1 year b. Over 1 yr to 3 yrs c. Over 3 yrs to 5 yrs d. Over 5 years 5800 1300 300 900 3300 100 22.41 5.17 15.52 56.90
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