Asset liability management
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Asset-liability management (ALM) matches a bank's assets and liabilities to improve profitability by addressing mismatches. ALM involves placing cash inflows and outflows in maturity buckets and addressing positive or negative mismatches. Surplus funds from positive mismatches can be deployed in statutory reserves, new lending, or money market instruments. Banks can also borrow through money markets like call money or repos to address negative mismatches. Effective ALM stabilizes profits, measures risks, and removes mismatches to maximize shareholder returns.
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13.11.2008 Alm Jan 2008
Asset liability management (ALM) is a process for managing a bank's assets and liabilities to maintain liquidity and net interest income. It aims to stabilize profits and the bank's financial position over time by managing factors like interest rate risk from differences between rate-sensitive assets and liabilities. Regulators require banks to analyze gaps between asset and liability maturity profiles and interest rate sensitivities to manage these risks. Liquidity risk, from insufficient funds to meet withdrawals, is also a key risk managed under ALM.
Asset liability management
This document discusses asset liability management (ALM) in banks. It defines ALM as a mechanism to address risks from mismatches between bank assets and liabilities due to liquidity or interest rate changes. The ALM framework focuses on profitability and viability. It aims to match asset and liability maturities across time horizons. The objectives of ALM include managing liquidity risk, interest rate risk, and currency risks to stabilize profits and the bank's financial position. Tools used in ALM include information systems, organizational structure, and processes to identify, measure and manage various risks.
Asset liability management
This document discusses asset liability management (ALM) in banks. It begins with definitions of ALM and describes the objectives of ALM as including efficient capital allocation, product pricing, and profitability and risk management. It outlines the components of an ALM framework including strategic, organizational, operational, and other elements. It also describes the ALM process in banks including data collection, analysis, decision making, and monitoring. Key aspects covered include the ALM committee, models used like gap analysis and duration analysis, the role of ALM under Basel standards, and ALM software options.
Asset Liability Management in India Banks
This presentations chalks out in detail information about ALM in Indian Bank. It starts with the basics of Balance sheet; applicability of ALM in real life; Evolution and then starts with main topics of ALM like structured statement; Liquidity risk, its management; currency risk and finally ends with Interest Risk management.
Links to Video’s in the ppt
Balance Sheet
http://www.investopedia.com/terms/b/balancesheet.asp
NII/NIM
http://www.investopedia.com/terms/n/netinterestmargin.asp
www.abhijeetdeshmukh.com
Asset liability management ppt @ bec doms bagalkot mba finance
Asset Liability Management (ALM) is a dynamic process of managing a bank's assets and liabilities to maintain profitability and liquidity. It aims to match assets and liabilities based on maturities and interest rates to minimize risk from volatility. Key components of ALM include gap analysis, liquidity management, and interest rate risk management. Gap analysis involves grouping assets and liabilities into maturity buckets to identify mismatches. Liquidity management ensures sufficient funds are available to meet obligations. Interest rate risk management monitors how changes in interest rates impact earnings and economic value. Together, these components help stabilize earnings and ensure long-term sustainability of the bank.
ALM- an introduction
ALM (Asset Liability Management) involves strategic balance sheet management and managing risks stemming from mismatches between assets and liabilities. It aims to manage liquidity risk, interest rate risk, and profitability. The key risks banks face include credit risk, interest rate risk, liquidity risk, and foreign exchange risk. ALM involves analyzing the composition and maturity profiles of assets and liabilities to control volatility in net interest income and ensure sufficient liquidity. Banks use tools like gap analysis and simulation to measure risks and make decisions around portfolio composition.
Asset Liability Management
Asset liability management (ALM) aims to match assets and liabilities to control sensitivity to interest rate changes and limit losses. Key concepts discussed include liquidity risk, interest rate risk, gap analysis, duration gap analysis, and the role of the ALCO in managing risks. Liquidity and interest rate risks can arise from mismatches between asset and liability cash flows and interest rate sensitivities. ALM techniques assess risks and seek to balance risks from both sides of the balance sheet.
Alm in banks
Asset Liability Management (ALM) is concerned with strategic balance sheet management involving risks caused by changes in interest rates, exchange rates, and liquidity position. ALM aims to match assets and liabilities in terms of maturities and interest rate sensitivities to minimize interest rate risk and liquidity risk. It involves identifying, measuring, monitoring, and controlling risks like interest rate risk, liquidity risk, credit risk, and contingency risk through techniques like gap analysis and duration gap analysis. Effective ALM requires strong organizational framework, information systems, and regular monitoring and reporting to manage risks.
Recommended
13.11.2008 Alm Jan 2008
Asset liability management (ALM) is a process for managing a bank's assets and liabilities to maintain liquidity and net interest income. It aims to stabilize profits and the bank's financial position over time by managing factors like interest rate risk from differences between rate-sensitive assets and liabilities. Regulators require banks to analyze gaps between asset and liability maturity profiles and interest rate sensitivities to manage these risks. Liquidity risk, from insufficient funds to meet withdrawals, is also a key risk managed under ALM.
Asset liability management
This document discusses asset liability management (ALM) in banks. It defines ALM as a mechanism to address risks from mismatches between bank assets and liabilities due to liquidity or interest rate changes. The ALM framework focuses on profitability and viability. It aims to match asset and liability maturities across time horizons. The objectives of ALM include managing liquidity risk, interest rate risk, and currency risks to stabilize profits and the bank's financial position. Tools used in ALM include information systems, organizational structure, and processes to identify, measure and manage various risks.
Asset liability management
This document discusses asset liability management (ALM) in banks. It begins with definitions of ALM and describes the objectives of ALM as including efficient capital allocation, product pricing, and profitability and risk management. It outlines the components of an ALM framework including strategic, organizational, operational, and other elements. It also describes the ALM process in banks including data collection, analysis, decision making, and monitoring. Key aspects covered include the ALM committee, models used like gap analysis and duration analysis, the role of ALM under Basel standards, and ALM software options.
Asset Liability Management in India Banks
This presentations chalks out in detail information about ALM in Indian Bank. It starts with the basics of Balance sheet; applicability of ALM in real life; Evolution and then starts with main topics of ALM like structured statement; Liquidity risk, its management; currency risk and finally ends with Interest Risk management.
Links to Video’s in the ppt
Balance Sheet
http://www.investopedia.com/terms/b/balancesheet.asp
NII/NIM
http://www.investopedia.com/terms/n/netinterestmargin.asp
www.abhijeetdeshmukh.com
Asset liability management ppt @ bec doms bagalkot mba finance
Asset Liability Management (ALM) is a dynamic process of managing a bank's assets and liabilities to maintain profitability and liquidity. It aims to match assets and liabilities based on maturities and interest rates to minimize risk from volatility. Key components of ALM include gap analysis, liquidity management, and interest rate risk management. Gap analysis involves grouping assets and liabilities into maturity buckets to identify mismatches. Liquidity management ensures sufficient funds are available to meet obligations. Interest rate risk management monitors how changes in interest rates impact earnings and economic value. Together, these components help stabilize earnings and ensure long-term sustainability of the bank.
ALM- an introduction
ALM (Asset Liability Management) involves strategic balance sheet management and managing risks stemming from mismatches between assets and liabilities. It aims to manage liquidity risk, interest rate risk, and profitability. The key risks banks face include credit risk, interest rate risk, liquidity risk, and foreign exchange risk. ALM involves analyzing the composition and maturity profiles of assets and liabilities to control volatility in net interest income and ensure sufficient liquidity. Banks use tools like gap analysis and simulation to measure risks and make decisions around portfolio composition.
Asset Liability Management
Asset liability management (ALM) aims to match assets and liabilities to control sensitivity to interest rate changes and limit losses. Key concepts discussed include liquidity risk, interest rate risk, gap analysis, duration gap analysis, and the role of the ALCO in managing risks. Liquidity and interest rate risks can arise from mismatches between asset and liability cash flows and interest rate sensitivities. ALM techniques assess risks and seek to balance risks from both sides of the balance sheet.
Alm in banks
Asset Liability Management (ALM) is concerned with strategic balance sheet management involving risks caused by changes in interest rates, exchange rates, and liquidity position. ALM aims to match assets and liabilities in terms of maturities and interest rate sensitivities to minimize interest rate risk and liquidity risk. It involves identifying, measuring, monitoring, and controlling risks like interest rate risk, liquidity risk, credit risk, and contingency risk through techniques like gap analysis and duration gap analysis. Effective ALM requires strong organizational framework, information systems, and regular monitoring and reporting to manage risks.
Assets liability management
This document discusses various risks faced by banks, including CAMEL risks relating to capital adequacy, asset quality, management, earnings, and liquidity. It also discusses asset liability management (ALM), which involves planning, organizing, and controlling a bank's assets and liabilities to maintain liquidity and net interest income. Other topics covered include liquidity management, types of liquidity risk, interest rate risk management, and sources of interest rate risk.
Asset liability management
Asset liability management (ALM) is the process of managing a bank's assets and liabilities to maximize profits and minimize risk. It involves planning asset and liability maturities and interest rates to ensure adequate liquidity and stable net interest income. The ALM process includes risk identification, measurement, and management of liquidity risk, interest rate risk, currency risk, and other risks. Banks use ALM techniques like maturity gap analysis, duration analysis, simulation, and value at risk to measure different types of risks. The asset liability committee (ALCO) oversees the ALM process and makes strategic decisions about the balance sheet, pricing, and risk management.
Asset liability management-in_the_indian_banks_issues_and_implications
This document discusses asset-liability management (ALM) in Indian banks. It provides background on the evolution of risk management practices in Indian banks over time in response to deregulation and other changes. It describes various types of risks banks face, such as interest rate risk, liquidity risk, and credit risk. Effective ALM is important for banks to manage these risks and balance risks with profits. The document outlines objectives to study the current status and impact of ALM practices in Indian banks.
Asset Liability Management
Asset Liability management in bank, asset liability mismatches and risk associated with it. tools for alm, factors for alm and conclusion.
Asset Liability Management
1) Asset-liability management (ALM) is the process of managing a bank's assets and liabilities to minimize risk from interest rates and liquidity.
2) ALM involves measuring and managing risks like liquidity risk, interest rate risk, and currency risk to protect a bank's net interest margin.
3) The key objectives of ALM are liquidity risk management, interest rate risk management, currency risk management, and profit planning.
Alm objective & scope and other related matters
This document provides an overview of asset liability management (ALM) objectives and processes. It discusses the evolution of ALM practices in response to deregulation and increased competition. The key objectives of ALM are to manage liquidity risk and interest rate risk through balancing a bank's assets and liabilities. This involves analyzing maturity gaps and interest rate sensitivities across time buckets. Critical roles in the ALM process include the ALCO committee which sets pricing and balance sheet strategies, and ALM support groups which monitor and report on risk profiles. The document also outlines various ALM reports, policies, and regulatory requirements.
Asset Liability Management
The document discusses asset liability management systems. It describes pooling funds and allocating them to primary reserves, secondary reserves, loans, long-term investments, and fixed assets. It then explains three methods for managing assets and liabilities: the pool of funds approach, conversion of funds approach, and maturity method. The duration method is also covered, which uses duration to measure interest rate risk. Finally, it discusses liquidity measurement and capital management in asset liability management.
Forum asset liability_management
The document discusses various approaches to asset and liability management (ALM), with a focus on liquidity risk management. It proposes using multiple metrics to measure liquidity risk, including the loan-to-deposit ratio, 1-week and 1-month liquidity ratios, a cumulative liquidity model, an intercompany lending report, and a liquidity risk factor. These metrics provide different insights into a bank's self-sufficiency, exposure to roll risk, potential stress points, and daily funding needs from both structural and forward-looking perspectives. The document emphasizes examining liquidity risk at the country, legal entity, and group levels with appropriate limits and assumptions.
Liability management in Banks focus on Deposits
Details about liability management through deposits in the context of present comeptition by innovations.
Karan
This document discusses asset liability management (ALM) in banks. It describes the ALM process, which involves assessing risks, actively managing the asset-liability portfolio to take risks strategically, and aiming to maximize profits. It outlines various risks banks face, such as liquidity risk, interest rate risk, credit risk, and operational risk. It focuses on liquidity risk management, explaining what liquidity risk is, its causes and symptoms, and how banks can measure and manage it. It also discusses interest rate risk measurement techniques like gap analysis, duration analysis, simulation, and value at risk.
Asset Liability Management
Asset Liability Management and Risk Management over laps each other on many grounds, they are the two very important concepts of the study of Financial Systems.
Asset liability management (ALM) can be defined as the comprehensive and dynamic framework for measuring, monitoring and managing the financial risks associated with changing interest rates, foreign exchange rates and other factors that can affect the organisation’s liquidity.
An introduction to Asset Liability Management
1) Asset/liability management (ALM) is the process of making decisions about the composition of a bank's assets and liabilities in order to manage risks and ensure sustainable profits.
2) ALM decisions are typically made by a bank's asset/liability management committee (ALCO) and involve strategic balance sheet management to match assets and liabilities.
3) The goal of ALM is to manage sources and uses of funds with respect to interest rate risk and liquidity risk arising from mismatches between assets and liabilities.
Asset Liability management in Banks
The document discusses asset liability management (ALM) in banks. It describes the key components of a bank's balance sheet and profit and loss account. It then discusses the evolution of ALM from a focus on asset management to incorporating liability management and interest rate risk management. The document defines ALM and describes the tools used: information systems, organizational structure, and processes. It also outlines the main risks managed under ALM - liquidity risk, currency risk, and interest rate risk - and provides techniques to measure and manage these risks.
Asset Liability Management
Today bankers and other financial service managers have learned to look at their asset and liability portfolios as an integrated whole. This type of coordinated and integrated decision making is known today as asset-liability management (ALM). This thesis is prepared on ‘The Hong Kong and Shanghai Banking Corporation’- HSBC, in Bangladesh. With its symbol of a Hexagon and the illustrative theme ‘The world’s local bank’ –HSBC is known to a lot of countries and territories of the world as a leading financial service institution. Although the history of its operation in our country is relatively new, yet HSBC already commands a great deal of respect and reputation in our banking community.
Every Financial Institute irrespective of its size is generally exposed to market liquidity and interest rate risks in connection with the process of Asset Liability Management. Failure to identify the risks associated with business and failure to take timely measures in giving a sense of direction threatens the very existence of the institution. It is, therefore, important that the strategic decision makers of an organization assume special care with regard to the Balance Sheet Risk management and should ensure that the structure of the institute’s business and the level of Balance Sheet risk it assumes are effectively managed, appropriate policies and procedures are established to control the direction of the organization. The whole exercise is with the objective of limiting these risks against the resources that are available for evaluating and controlling liquidity and interest rate risk.
Riskmanagement modulea
This document discusses asset liability management (ALM) in banks. It describes the key components of a bank's balance sheet, including capital, reserves, deposits, borrowings, assets like cash, investments and advances. It then explains liquidity management, maturity mismatch analysis, and strategies to address mismatches in cash inflows and outflows across different time buckets. The goal of ALM is to manage risks from volatility in interest rates and liquidity.
ALM PRESENTATION_MALIOUKIS_SOFIA_BG
This document appears to be a presentation on bank asset and liability management (ALM). It includes an agenda showing concepts and tools will be discussed on day 1, and instruments and applications on day 2. It then provides context on the current financial environment including low rates, volatility, questioning of sovereign debt sustainability, and bank difficulties. Several case studies on bank plans, job cuts, and central bank activity are presented. Drivers of the financial crisis are explored such as the growth triangle, risk management failures, and how the situation arose. The presentation concludes by discussing where the banking industry may be headed.
Asset Liability Management - Intro
This document discusses asset liability management (ALM) frameworks and concepts. It covers key dimensions of ALM including interest rates, maturities, funding, liquidity, and the relationship between liabilities and assets. It also outlines ALM frameworks including business models, risk analysis, capital and financial models, liquidity models, and simulation. Additional sections provide an ALM cheat sheet and discuss liquidity risk, stress testing, and examples of liquidity crises at Bear Stearns and Lehman Brothers.
Asset and liability management
The document provides an overview of the key components of a bank's balance sheet, including assets and liabilities. It discusses the various line items under assets (such as cash, investments, advances) and liabilities (such as capital, reserves, deposits, borrowings). It also summarizes the components of a bank's profit and loss statement and provides details on liquidity management, asset liability management and interest rate risk management. The document is intended as a presentation on managing a bank's assets, liabilities, liquidity and interest rate risk.
8. new advanced_alm_2011.10.8
1. The document discusses asset and liability management (ALM) in commercial banks, including the objectives, characteristics, and evolution of ALM systems.
2. It describes the components of an ALM system architecture including modeling, reporting, and decision making processes to manage interest rate risk and liquidity risk.
3. Key aspects of ALM covered include earnings and economic value perspectives, interest rate risk measurement, term structure modeling, and liquidity risk management.
Final thesis
This study analyzes the business and financial risks of 30 major Indian companies from 6 industries between 2005-2014. It ranks the industries based on their average business, financial, and total risks. Personal care has the highest capital productivity risk while infrastructure has the highest costs structure and liquidity risks. The study finds a significant positive correlation between business and financial risks, conforming to theory. It also finds that combined business and financial risks influence company returns. However, risks do not significantly correlate with operating profits. The personal care industry has the highest risk-return profile while IT has the lowest risk and highest returns.
Asset liability management in banks
This document discusses asset liability management (ALM) in banks. It begins by defining the components of a bank's balance sheet, including assets like cash, investments, advances, and fixed assets, as well as liabilities like capital, deposits, and borrowings. It then explains a bank's profit and loss account. The document traces the evolution of ALM from a focus on assets to incorporating liability management and interest rate risk. It defines ALM as managing a bank's balance sheet to allow for different interest rate and liquidity scenarios. Finally, it discusses the key risks managed by ALM - liquidity risk, currency risk, and interest rate risk - and some tools used, including maturity ladder analysis, duration, simulation,
204 206 E.N. Roussa.docx
204
206 E.N. Roussakis
Assessing bank performance and determining strategy 205
Assessing bank performance and determining strategy
Introduction
Amal Galla is a graduate student in finance at Morocco’s HEM School of Business, Marrakesh campus. She has successfully completed all degree requirements except for the need to secure an internship (stage de fin d’études) in the area of her specialisation.
This concern had preoccupied her for quite a while and had prompted her to pursue all available leads. As she was evaluating her next move, she received a call from the Head of Student Affairs office (Responsable Pédagogique) who informed her of an internship opportunity brought to his attention by his liaison at Florida International University, HEM’s academic partner in Miami. Essentially, a bank based in Coral Gables was offering a three-month paid internship that could develop into a permanent position if the senior management was satisfied with her performance.
Amal followed through with this prospect and consented to an interview, via skype, with an officer of the bank’s human resources. A week later she received formal notification of the internship offer and in no time she arranged all trip details and arrived in Miami. Her first day at the bank she met various members of the management team starting with Mr. Felipe Battik, Vice President in charge of Human Resources, who defined the parameters of her internship assignment. Initially, Amal was to be rotated through the various units of the bank to gain additional insights into the scope of its activities. She was then to be placed at the office of the controller and treasurer to enable her access of the pertinent financial information for assessment of the bank’s performance. Based on her findings she was to identify a strategy to maximise the bank’s overall potential. Amal agreed to submit a written report of her review and recommendations and consented to make an oral presentation of the key issues before completion of her assignment.
Her first day work impressions, combined with the prospect for a full-time employment, convinced Amal of the need to come up with a high quality written report on completion of her assignment. To better prepare for this challenge she thought appropriate to pursue a three step approach in the following order
· revisit the pertinent chapters of her commercial banking textbook on the goal of management and the relevance of bank policies and strategies
· research current literature on assessing bank performance and implementing strategy
· review the bank’s background information (e.g., ownership, scope of operations, and financial condition)
Hence, the sequence of the sections that follows. Literature review
Assessing bank performance
For a commercial bank, and other financial firms, performance refers to how effectively does an institution meets the needs of its stakeholders – shareholders (owners), employees, deposi.
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Assets liability management
This document discusses various risks faced by banks, including CAMEL risks relating to capital adequacy, asset quality, management, earnings, and liquidity. It also discusses asset liability management (ALM), which involves planning, organizing, and controlling a bank's assets and liabilities to maintain liquidity and net interest income. Other topics covered include liquidity management, types of liquidity risk, interest rate risk management, and sources of interest rate risk.
Asset liability management
Asset liability management (ALM) is the process of managing a bank's assets and liabilities to maximize profits and minimize risk. It involves planning asset and liability maturities and interest rates to ensure adequate liquidity and stable net interest income. The ALM process includes risk identification, measurement, and management of liquidity risk, interest rate risk, currency risk, and other risks. Banks use ALM techniques like maturity gap analysis, duration analysis, simulation, and value at risk to measure different types of risks. The asset liability committee (ALCO) oversees the ALM process and makes strategic decisions about the balance sheet, pricing, and risk management.
Asset liability management-in_the_indian_banks_issues_and_implications
This document discusses asset-liability management (ALM) in Indian banks. It provides background on the evolution of risk management practices in Indian banks over time in response to deregulation and other changes. It describes various types of risks banks face, such as interest rate risk, liquidity risk, and credit risk. Effective ALM is important for banks to manage these risks and balance risks with profits. The document outlines objectives to study the current status and impact of ALM practices in Indian banks.
Asset Liability Management
Asset Liability management in bank, asset liability mismatches and risk associated with it. tools for alm, factors for alm and conclusion.
Asset Liability Management
1) Asset-liability management (ALM) is the process of managing a bank's assets and liabilities to minimize risk from interest rates and liquidity.
2) ALM involves measuring and managing risks like liquidity risk, interest rate risk, and currency risk to protect a bank's net interest margin.
3) The key objectives of ALM are liquidity risk management, interest rate risk management, currency risk management, and profit planning.
Alm objective & scope and other related matters
This document provides an overview of asset liability management (ALM) objectives and processes. It discusses the evolution of ALM practices in response to deregulation and increased competition. The key objectives of ALM are to manage liquidity risk and interest rate risk through balancing a bank's assets and liabilities. This involves analyzing maturity gaps and interest rate sensitivities across time buckets. Critical roles in the ALM process include the ALCO committee which sets pricing and balance sheet strategies, and ALM support groups which monitor and report on risk profiles. The document also outlines various ALM reports, policies, and regulatory requirements.
Asset Liability Management
The document discusses asset liability management systems. It describes pooling funds and allocating them to primary reserves, secondary reserves, loans, long-term investments, and fixed assets. It then explains three methods for managing assets and liabilities: the pool of funds approach, conversion of funds approach, and maturity method. The duration method is also covered, which uses duration to measure interest rate risk. Finally, it discusses liquidity measurement and capital management in asset liability management.
Forum asset liability_management
The document discusses various approaches to asset and liability management (ALM), with a focus on liquidity risk management. It proposes using multiple metrics to measure liquidity risk, including the loan-to-deposit ratio, 1-week and 1-month liquidity ratios, a cumulative liquidity model, an intercompany lending report, and a liquidity risk factor. These metrics provide different insights into a bank's self-sufficiency, exposure to roll risk, potential stress points, and daily funding needs from both structural and forward-looking perspectives. The document emphasizes examining liquidity risk at the country, legal entity, and group levels with appropriate limits and assumptions.
Liability management in Banks focus on Deposits
Details about liability management through deposits in the context of present comeptition by innovations.
Karan
This document discusses asset liability management (ALM) in banks. It describes the ALM process, which involves assessing risks, actively managing the asset-liability portfolio to take risks strategically, and aiming to maximize profits. It outlines various risks banks face, such as liquidity risk, interest rate risk, credit risk, and operational risk. It focuses on liquidity risk management, explaining what liquidity risk is, its causes and symptoms, and how banks can measure and manage it. It also discusses interest rate risk measurement techniques like gap analysis, duration analysis, simulation, and value at risk.
Asset Liability Management
Asset Liability Management and Risk Management over laps each other on many grounds, they are the two very important concepts of the study of Financial Systems.
Asset liability management (ALM) can be defined as the comprehensive and dynamic framework for measuring, monitoring and managing the financial risks associated with changing interest rates, foreign exchange rates and other factors that can affect the organisation’s liquidity.
An introduction to Asset Liability Management
1) Asset/liability management (ALM) is the process of making decisions about the composition of a bank's assets and liabilities in order to manage risks and ensure sustainable profits.
2) ALM decisions are typically made by a bank's asset/liability management committee (ALCO) and involve strategic balance sheet management to match assets and liabilities.
3) The goal of ALM is to manage sources and uses of funds with respect to interest rate risk and liquidity risk arising from mismatches between assets and liabilities.
Asset Liability management in Banks
The document discusses asset liability management (ALM) in banks. It describes the key components of a bank's balance sheet and profit and loss account. It then discusses the evolution of ALM from a focus on asset management to incorporating liability management and interest rate risk management. The document defines ALM and describes the tools used: information systems, organizational structure, and processes. It also outlines the main risks managed under ALM - liquidity risk, currency risk, and interest rate risk - and provides techniques to measure and manage these risks.
Asset Liability Management
Today bankers and other financial service managers have learned to look at their asset and liability portfolios as an integrated whole. This type of coordinated and integrated decision making is known today as asset-liability management (ALM). This thesis is prepared on ‘The Hong Kong and Shanghai Banking Corporation’- HSBC, in Bangladesh. With its symbol of a Hexagon and the illustrative theme ‘The world’s local bank’ –HSBC is known to a lot of countries and territories of the world as a leading financial service institution. Although the history of its operation in our country is relatively new, yet HSBC already commands a great deal of respect and reputation in our banking community.
Every Financial Institute irrespective of its size is generally exposed to market liquidity and interest rate risks in connection with the process of Asset Liability Management. Failure to identify the risks associated with business and failure to take timely measures in giving a sense of direction threatens the very existence of the institution. It is, therefore, important that the strategic decision makers of an organization assume special care with regard to the Balance Sheet Risk management and should ensure that the structure of the institute’s business and the level of Balance Sheet risk it assumes are effectively managed, appropriate policies and procedures are established to control the direction of the organization. The whole exercise is with the objective of limiting these risks against the resources that are available for evaluating and controlling liquidity and interest rate risk.
Riskmanagement modulea
This document discusses asset liability management (ALM) in banks. It describes the key components of a bank's balance sheet, including capital, reserves, deposits, borrowings, assets like cash, investments and advances. It then explains liquidity management, maturity mismatch analysis, and strategies to address mismatches in cash inflows and outflows across different time buckets. The goal of ALM is to manage risks from volatility in interest rates and liquidity.
ALM PRESENTATION_MALIOUKIS_SOFIA_BG
This document appears to be a presentation on bank asset and liability management (ALM). It includes an agenda showing concepts and tools will be discussed on day 1, and instruments and applications on day 2. It then provides context on the current financial environment including low rates, volatility, questioning of sovereign debt sustainability, and bank difficulties. Several case studies on bank plans, job cuts, and central bank activity are presented. Drivers of the financial crisis are explored such as the growth triangle, risk management failures, and how the situation arose. The presentation concludes by discussing where the banking industry may be headed.
Asset Liability Management - Intro
This document discusses asset liability management (ALM) frameworks and concepts. It covers key dimensions of ALM including interest rates, maturities, funding, liquidity, and the relationship between liabilities and assets. It also outlines ALM frameworks including business models, risk analysis, capital and financial models, liquidity models, and simulation. Additional sections provide an ALM cheat sheet and discuss liquidity risk, stress testing, and examples of liquidity crises at Bear Stearns and Lehman Brothers.
Asset and liability management
The document provides an overview of the key components of a bank's balance sheet, including assets and liabilities. It discusses the various line items under assets (such as cash, investments, advances) and liabilities (such as capital, reserves, deposits, borrowings). It also summarizes the components of a bank's profit and loss statement and provides details on liquidity management, asset liability management and interest rate risk management. The document is intended as a presentation on managing a bank's assets, liabilities, liquidity and interest rate risk.
8. new advanced_alm_2011.10.8
1. The document discusses asset and liability management (ALM) in commercial banks, including the objectives, characteristics, and evolution of ALM systems.
2. It describes the components of an ALM system architecture including modeling, reporting, and decision making processes to manage interest rate risk and liquidity risk.
3. Key aspects of ALM covered include earnings and economic value perspectives, interest rate risk measurement, term structure modeling, and liquidity risk management.
Final thesis
This study analyzes the business and financial risks of 30 major Indian companies from 6 industries between 2005-2014. It ranks the industries based on their average business, financial, and total risks. Personal care has the highest capital productivity risk while infrastructure has the highest costs structure and liquidity risks. The study finds a significant positive correlation between business and financial risks, conforming to theory. It also finds that combined business and financial risks influence company returns. However, risks do not significantly correlate with operating profits. The personal care industry has the highest risk-return profile while IT has the lowest risk and highest returns.
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Asset liability management in banks
This document discusses asset liability management (ALM) in banks. It begins by defining the components of a bank's balance sheet, including assets like cash, investments, advances, and fixed assets, as well as liabilities like capital, deposits, and borrowings. It then explains a bank's profit and loss account. The document traces the evolution of ALM from a focus on assets to incorporating liability management and interest rate risk. It defines ALM as managing a bank's balance sheet to allow for different interest rate and liquidity scenarios. Finally, it discusses the key risks managed by ALM - liquidity risk, currency risk, and interest rate risk - and some tools used, including maturity ladder analysis, duration, simulation,
204 206 E.N. Roussa.docx
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Introduction
Amal Galla is a graduate student in finance at Morocco’s HEM School of Business, Marrakesh campus. She has successfully completed all degree requirements except for the need to secure an internship (stage de fin d’études) in the area of her specialisation.
This concern had preoccupied her for quite a while and had prompted her to pursue all available leads. As she was evaluating her next move, she received a call from the Head of Student Affairs office (Responsable Pédagogique) who informed her of an internship opportunity brought to his attention by his liaison at Florida International University, HEM’s academic partner in Miami. Essentially, a bank based in Coral Gables was offering a three-month paid internship that could develop into a permanent position if the senior management was satisfied with her performance.
Amal followed through with this prospect and consented to an interview, via skype, with an officer of the bank’s human resources. A week later she received formal notification of the internship offer and in no time she arranged all trip details and arrived in Miami. Her first day at the bank she met various members of the management team starting with Mr. Felipe Battik, Vice President in charge of Human Resources, who defined the parameters of her internship assignment. Initially, Amal was to be rotated through the various units of the bank to gain additional insights into the scope of its activities. She was then to be placed at the office of the controller and treasurer to enable her access of the pertinent financial information for assessment of the bank’s performance. Based on her findings she was to identify a strategy to maximise the bank’s overall potential. Amal agreed to submit a written report of her review and recommendations and consented to make an oral presentation of the key issues before completion of her assignment.
Her first day work impressions, combined with the prospect for a full-time employment, convinced Amal of the need to come up with a high quality written report on completion of her assignment. To better prepare for this challenge she thought appropriate to pursue a three step approach in the following order
· revisit the pertinent chapters of her commercial banking textbook on the goal of management and the relevance of bank policies and strategies
· research current literature on assessing bank performance and implementing strategy
· review the bank’s background information (e.g., ownership, scope of operations, and financial condition)
Hence, the sequence of the sections that follows. Literature review
Assessing bank performance
For a commercial bank, and other financial firms, performance refers to how effectively does an institution meets the needs of its stakeholders – shareholders (owners), employees, deposi.
R C F,Prashant V V
The document provides an overview of ratio analysis, fund flow statements, and cash flow statements. It discusses various types of ratios like liquidity ratios, leverage ratios, and activity ratios. It explains key liquidity ratios like current ratio, quick ratio, and cash ratio. It also discusses leverage ratios like debt ratio and debt-equity ratio. The document then covers activity or turnover ratios and provides formulas for inventory turnover ratio and assets turnover ratio. It defines a fund flow statement and cash flow statement and discusses their purpose and limitations.
A Primer on Financial Restructurings
A great primer on Financial Restructurings prepared by Valerio Ranciaro, General Director from SACE, covering everything you need to know from analyzing the capital structure of a company, to the procedures in financial restructure, to a case study of the restructuring of Telecom Argentina.
Asset and liability management - Principles and Practices of Banking
This document discusses asset liability management (ALM) in banks. It defines ALM as the process of managing a bank's balance sheet to allow for different interest rate and liquidity scenarios. The key risks addressed by ALM are discussed as interest rate risk, currency risk, and liquidity risk. Tools for ALM include information systems to gather asset and liability data, establishing an ALCO committee to set risk limits and make decisions, and ongoing risk measurement and management processes. Specific techniques covered are the structural liquidity statement, interest rate gap analysis, and risk measurement methods like duration and simulation.
Camels approach
The document discusses the CAMELS approach for assessing banks. CAMELS is an acronym that evaluates 6 key areas: Capital adequacy, Assets quality, Management capability, Earnings quality, Liquidity, and Sensitivity to market risk. For each area, the document outlines various financial ratios used to evaluate the bank's performance and risk in that area. Capital adequacy assesses capital reserves and ratios. Asset quality examines asset composition and non-performing loans. Management capability evaluates efficiency through ratios of profits and assets to employees. Earnings quality analyzes profitability and sustainability. Liquidity assesses the bank's ability to meet financial obligations. Sensitivity captures impacts of interest rate changes and market exposures.
Study of Asset Liability Managemnt in Banks
This document discusses asset liability management (ALM) in banks. It describes the key components of assets and liabilities on a bank's balance sheet and explains that ALM aims to match assets and liabilities to minimize liquidity and market risk. ALM is concerned with strategic balance sheet management involving interest rate risk, exchange rate risk, credit risk, and liquidity. The objectives of ALM include managing the net interest margin to achieve the bank's risk/return objectives and understanding how changes in interest rates impact earnings and capital. Effective ALM techniques balance volume, maturity, rate sensitivity and quality of assets and liabilities to attain an acceptable risk/reward ratio.
Valuation of distressed companies
UV Capital is an Investment Bank established in 2011 by a team of experts including Industry Veterans, CFA/MBA, Chartered Accountants; who believe their personal commitment, transparency and integrity to be intrinsic to the value proposition for their clients and customers.
UV Capital provides services in the areas of Project Finance, Fund Raising, Private Equity, Innovative & Structured Products, Syndication, Mergers & Acquisition and Corporate Financial Advisory.
UV Capital has already made successful presence in Infrastructure, Energy, Hospitality, Healthcare, Manufacturing, Pharmaceuticals, Real Estate Telecom, Logistics, FMCG, Shipping, IT and Education Sectors.
Types of Ratio analyis and their significance
Ratio analysis is used to analyze financial statements and determine key metrics and relationships between items. It can help management with forecasting, planning, control, and decision making. There are various types of ratios that provide different insights. Liquidity ratios like current and quick ratios measure a company's ability to meet short-term obligations. Leverage or capital structure ratios like debt-to-equity examine how the company is financing its assets and level of financial risk. Activity/turnover ratios review how efficiently a company uses its assets. Profitability ratios assess return on sales, assets, and equity. Ratio analysis provides both opportunities to understand a business better but also has some limitations to consider.
Financial Accounting Tools for Business Decision-Making Canadian 6th Edition ...
This document provides an assignment classification table, assignment characteristics table, and answers to questions for Chapter 2 of the textbook "Kimmel, Weygandt, Kieso, Trenholm, Irvine Financial Accounting, Sixth Canadian Edition". The tables and answers cover topics such as classifying accounts, calculating financial ratios, frameworks for financial statements, and bases of measurement. The document is designed to help students understand and answer questions related to Chapter 2.
Managing balance sheet liquidity & long term funding
Managing balance sheet liquidity and long term funding
• Do the company have the right cash management processes?
• The importance of accurately forecast company cash flow with liquidity management
• Looking at your balance sheet frequently: Do the company has sufficient funding sources?
• Ensuring the right balance of credit and non-credit service utilisation for funding process
• Learning about rebuilding the balance sheet and turning their problem into growth
• Establishing long term stability and security of our funding in turn helps protect our liquidity position in the crisis
• Building necessary tools and methods to achieve properly structured balance sheet
• Managing complex situations precisely through flexible values (general direction), values with longer lifespan than goals or objectives and past and present corporate actions
Managing balance sheet liquidity & long term funding.
The document discusses managing balance sheet liquidity and long-term funding. It emphasizes maintaining adequate short-term assets to cover short-term liabilities, accurately forecasting cash flows, and establishing long-term funding sources. Key aspects include having proper cash management processes, monitoring the balance sheet frequently, and ensuring the right balance of credit and non-credit services for funding.
89852038-ALM-Liquidity-Risk.ppt
Asset liability management (ALM) aims to ensure liquidity and profitability by managing risks related to changes in interest rates, exchange rates, and credit. It involves balancing maturities of assets and liabilities to minimize liquidity risk. The asset liability management committee (ALCO) oversees the bank's ALM strategy, including product pricing, desired maturity profiles, and monitoring liquidity risk levels using ratios under the stock approach and gap analysis under the flow approach.
Caiibrmalmmodule a
This document discusses asset liability management (ALM) in banks. It covers the key components of assets and liabilities on a bank's balance sheet and how ALM aims to manage risks from changes in interest rates, exchange rates, credit risk, and liquidity. ALM matches assets and liabilities to minimize liquidity and market risk. It also covers liquidity management techniques like measuring net funding requirements using a maturity ladder to estimate cash inflows and outflows. Interest rate risk management includes analyzing gaps between interest rate resets on assets and liabilities. Foreign exchange risk from currency fluctuations is also discussed.
Collateral Management and Market Developments - Whitepaper
1) Collateral management has become increasingly important for financial institutions due to market developments like increased collateral circulation and new regulations requiring more collateral. It is no longer a back office function but a major challenge.
should build or buy systems that can integrate with existing
2) Key features of collateral management include bi-party agreements between two parties, tri-party agreements involving a third party custodian, collateral trading and re-hypothecation, and repurchase (repo) agreements.
infrastructure and provide a centralized view of collateral across
3) Best practices for financial institutions include regularly revaluing collateral, maintaining relationships with key clients, performing regular portfolio reconciliations, considering outsourcing collateral
Jacobs Liquidty Risk Garp 2 16 12
This presentation will survey and discuss various quantitative considerations in liquidity risk for a financial institution. This includes the concept of liquidity-at-risk (LaR) as a determinant of buffers, as well as how one defines and quantifies such buffers. We will also examine issues such as limit-related input for liquidity policy and transfer pricing as an alternative concept. Two stylized models of liquidity risk are presented and analyzed.
CFA Credit Basics
The document discusses how lax lending standards during the 2007-2008 financial crisis contributed to its occurrence, and argues that a return to basic asset-based lending principles is needed. It outlines the basics of commercial lending such as understanding customers, risks, repayment ability, and using the five "C"s of credit analysis - character, capacity, capital, conditions, and collateral. Covenants and scrutinizing add-on acquisitions are also recommended to strengthen underwriting. Overall it advocates going "back to basics" in commercial lending to build a robust credit culture and prevent future crises.
Accenture-A-New-Dawn-Restoring-Profitability-while-Rebuilding-Capital
The document discusses how universal banks can restore profitability and rebuild capital in response to new regulatory requirements from the Independent Commission on Banking. It identifies four key steps banks need to take: 1) Analyze the implications of ring-fencing requirements to determine their new business model, products, and services; 2) Understand their accurate cost of capital to develop a profitable pricing strategy; 3) Focus on efficiency by managing risk-weighted assets and driving operational realignments; 4) Identify growth opportunities by selecting optimal client, product, and market mixes. Taking these steps will help banks optimize their use of capital and positioning for high performance in the future regulated environment.
Ratio AnalysisLEARNING OBJECTIVE 6 Identify and comput.docx
Ratio Analysis
LEARNING OBJECTIVE
6
Identify and compute ratios used in analyzing a company's liquidity, solvency, and profitability.
In previous chapters, we presented many ratios used for evaluating the financial health and performance of a company. Here, we provide a summary listing of those ratios. (Page references to prior discussions are provided if you feel you need to review any individual ratios.) Appendix 13A provides an example of a comprehensive financial analysis employing these ratios.
LIQUIDITY RATIOS
Liquidity ratios (Illustration 13-16) measure the short-term ability of the company to pay its maturing obligations and to meet unexpected needs for cash. Short-term creditors such as bankers and suppliers are particularly interested in assessing liquidity.
Illustration 13-16
Summary of liquidity ratios
Investor Insight
How to Manage the Current Ratio
The apparent simplicity of the current ratio can have real-world limitations because adding equal amounts to both the numerator and the denominator causes the ratio to decrease.
Assume, for example, that a company has $2,000,000 of current assets and $1,000,000 of current liabilities. Its current ratio is 2:1. If it purchases $1,000,000 of inventory on account, it will have $3,000,000 of current assets and $2,000,000 of current liabilities. Its current ratio decreases to 1.5:1. If, instead, the company pays off $500,000 of its current liabilities, it will have $1,500,000 of current assets and $500,000 of current liabilities. Its current ratio increases to 3:1. Thus, any trend analysis should be done with care because the ratio is susceptible to quick changes and is easily influenced by management.
How might management influence a company's current ratio?
SOLVENCY RATIOS
Solvency ratios (Illustration 13-17) measure the ability of the company to survive over a long period of time. Long-term creditors and stockholders are interested in a company's long-run solvency, particularly its ability to pay interest as it comes due and to repay the balance of debt at its maturity.
Illustration 13-17
Summary of solvency ratios
PROFITABILITY RATIOS
Profitability ratios (Illustration 13-18) measure the income or operating success of a company for a given period of time. A company's income, or lack of it, affects its ability to obtain debt and equity financing, its liquidity position, and its ability to grow. As a consequence, creditors and investors alike are interested in evaluating profitability. Profitability is frequently used as the ultimate test of management's operating effectiveness.
Illustration 13-18
Summary of profitability ratios
Investor Insight
High Ratings Can Bring Low Returns
Moody's, Standard and Poor's, and Fitch are three big firms that perform financial analysis on publicly traded companies and then publish ratings of the companies' creditworthiness. Investors and lenders rely heavily on these ratings in making investment and lending decisi ...
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【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：WP101A】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：WP101A】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份【微信：WP101A】
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
办理（Carleton毕业证）加拿大卡尔顿大学毕业证学位证【微信：WP101A 】外观非常精致，由特殊纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理（Carleton毕业证）加拿大卡尔顿大学毕业证学位证【微信：WP101A 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理（Carleton毕业证）加拿大卡尔顿大学毕业证学位证【微信：WP101A 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理（Carleton毕业证）加拿大卡尔顿大学毕业证学位证【微信：WP101A 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版(uvic毕业证书)加拿大维多利亚大学毕业证如何办理
原版一模一样【微信：741003700 】【(uvic毕业证书)加拿大维多利亚大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
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三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(uvic毕业证书)加拿大维多利亚大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(uvic毕业证书)加拿大维多利亚大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(uvic毕业证书)加拿大维多利亚大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(uvic毕业证书)加拿大维多利亚大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
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Asset liability management
- 1. Effective Asset-Liability Management & improvising on the profitability of Banks Presented to: Presented by: Prof. Somasekhar Group 4
- 2. Introduction of ALM: Asset Liability Management(ALM) is the dynamic process involving decision making process for matching and mismatching the mix of assets and liabilities in a bank
- 3. Assets and Liabilities LIABILITIES ASSETS Capital Cash Reserves and surplus Investment Deposit Advances Borrowing fixed assets Other liabilities and provisions Other assets
- 4. Statements of structural liquidity Places all cash inflows and outflows in the maturity ladder as per residual maturity Maturing Liability: Cash outflow Maturing Assets : Cash Inflow Classified into 8 time buckets Mismatches in the first two buckets not to exceed 20% of outflows Shows the structure as of a particular date Banks can fix higher tolerance level for other maturity buckets.
- 5. Addressing the mismatches An Example of Structural Liquidity Statement TMAn Example of Structural Liquidity Statement.pptx Mismatches can be positive or negative a) Positive Mismatch: M.A.>M.L. b) Negative Mismatch M.L.>M.A.
- 6. Surplus Funds: Arise in case of positive mismatch in ALM Mandatory to maintain SLR and CRR Excess liquidity can be deployed in 1. Parking with RBI 2. Creating new assets 3. Lending activities
- 7. 4. Money market instruments: a. Treasury Bills b. Government Securities c. Commercial Paper d. Certificate of Deposit
- 8. Borrowings By Bank Money Markets: i) Call Money Market ii) Notice Money Market a) Maturity b) Participants c) Prudential limits d) Interest rate e) Dealing Session f) Reporting Requirement iii) REPO
- 9. Inter-bank Repos LAF Repos (Liquidity adjustment facility) Collateralized Borrowing & Lending Obligation (CBLO)
- 10. Why is ALM profitable for banks? Core activity of any organization Helps to measure and monitor risk Stabilize and measure short term profits – Net Interest Income Net Income Margin Credit Deposit Ratio Equity Economic Ratio
- 11. Conclusion Opportunities for diversification Conglomerate regulatory framework Removing asset-liability mismatch Maximizing shareholder’s return
- 12. THANK YOU