Asset Liability Management (ALM)
The concept of Treasury Management involves the consideration of balanced approach to Asset and Liability Management of a Bank. In a sense, the underlying principles of Treasury Management are the same as that is applied to fund management in Banks. Here, fund management includes the management of both local currency and foreign currency business.
Asset Liability Management (ALM) is an integral part of Bank Management; and so, it is essential to have a structured and systematic process for manage the Balance Sheet.
JBL’s Asset & Liability management is monitored through ALCO. The information flow in the ALCO is diagrammed as below:
Asset Liability Committee (ALCO)
JBL have a committee comprising of the senior management of the bank to make important decisions related to the Balance Sheet of the Bank. The committee, typically called the Asset Liability Committee (ALCO), should meet at least once every month to analysis, review and formulate strategy to manage the balance sheet.
Organizational structure of Asset & Liability Committee (ALCO)
The key roles and responsibilities of the ALM :
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