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Alkesh Parihar

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.

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Asset Liability Management in Banks
Components of a Bank Balance sheet Contingent Liabilities ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Assets Liabilities
Components of Liabilities ,[object Object],[object Object],[object Object],[object Object]
Components of Liabilities ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Liabilities ,[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Liabilities ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Liabilities ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Assets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Assets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Assets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Assets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Assets ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Contingent Liability ,[object Object]
Banks Profit & Loss Account ,[object Object],[object Object],[object Object]
Components of Income ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Income ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object]
Components of Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
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.
Significance of ALM ,[object Object],[object Object],[object Object],[object Object]
Purpose & Objective of ALM ,[object Object],[object Object],[object Object],[object Object],[object Object]
RBI DIRECTIVES ,[object Object],[object Object],[object Object],[object Object],[object Object]
Liquidity Management ,[object Object],[object Object]
Adequacy of liquidity position for a bank ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Funding Avenues ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Types of Liquidity Risk ,[object Object],[object Object],[object Object]
Other categories of liquidity risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Statement of Structural Liquidity All Assets & Liabilities to be reported as per their maturity profile into 8 maturity Buckets: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
STATEMENT OF STRUCTURAL LIQUIDITY ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
An Example of Structural Liquidity Statement
ADDRESSING THE MISMATCHES ,[object Object],[object Object],[object Object],[object Object]
STRATEGIES… ,[object Object],[object Object]
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
STATEMENT OF INTEREST RATE SENSITIVITY ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MATURITY GAP METHOD (IRS) ,[object Object],[object Object],[object Object],[object Object]
SUCCESS OF ALM IN BANKS : PRE - CONDITIONS ,[object Object],[object Object],[object Object],[object Object],[object Object]
Interest Rate Risk Management ,[object Object],[object Object],[object Object]
Interest Rate Risk ,[object Object],[object Object]
Sources of Interest Rate Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Measurement of Interest Rate Risk ,[object Object],[object Object],[object Object]
Measurement of Interest Rate Risk ,[object Object]
THANK YOU

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Riskmanagement modulea

  • 2.
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  • 11.
  • 12.
  • 13.
  • 14.
  • 15.
  • 16.
  • 17.
  • 18.
  • 19. 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.
  • 20.
  • 21.
  • 22.
  • 23.
  • 24.
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  • 26.
  • 27.
  • 28.
  • 29.
  • 30. An Example of Structural Liquidity Statement
  • 31.
  • 32.
  • 33. 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
  • 34.
  • 35.
  • 36.
  • 37.
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  • 41.