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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

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  • 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.
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  • 30. An Example of Structural Liquidity Statement
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  • 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
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