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Asset Liability Management and Risk Management at ICICI Bank
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Asset Liability Management and Risk Management at ICICI Bank

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Asset Liability Management and Risk Management at ICICI Bank

Banks are always aiming at maximizing profitability at the same time trying to ensure sufficient liquidity to repose confidence in the minds of the depositors on their ability in servicing the deposits by making timely payment of interest/returning them on due dates and meeting all other liability commitments as agreed upon. To achieve these objectives, it is essential that banks have to monitor, maintain and manage their assets and liabilities portfolios in a systematic manner taking into account the various risks involved in these areas. This concept has gained importance in Indian conditions in the wake of the ongoing financial sector reforms, particularly reforms relating to interest rate deregulation. The technique of managing both assets and liabilities together has come into being as a strategic response of banks to inflationary pressure, volatility in interest rates and severe recessionary trends which marked the global economy in the seventies and eighties. Asset Liability Management (ALM) is a strategic approach of managing the balance sheet dynamics in such a way that the net earnings are maximized. This approach is concerned with management of net interest margin to ensure that its level and riskiness are compatible with the risk return objectives.

Assets and Liabilities Management (ALM) is a dynamic process of planning, organizing, coordinating and controlling the assets and liabilities – their mixes, volumes, maturities, yields and costs in order to achieve a specified Net Interest Income (NII). The NII is the difference between interest income and interest expenses and the basic source of banks profitability. The easing of controls on interest rates has led to higher interest rate volatility in India. Hence, there is a need to measure and monitor the interest rate exposure of Indian banks. This paper entitled "A Study on the Assets and Liabilities Management (ALM) Practices with special reference to Interest Rate Risk Management at ICICI Bank" is aimed at measuring the Interest Rate Risk in ICICI Bank by using Gap Analysis Technique.

The main objectives of preparing this Report

 1.To identify the management of Asset & Liability Management of ICICI Bank Ltd. And also to study different types of risk facing the bank

 2. To analyze and find out degree of risks involved in each area
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Top selling project total pages 135

Topic

Page number

Synopsis

3

Objectives

7

ALM: Overview

12

ALM Policy

14

Risk Management

35

RBI Guidelines

51

ICICI: Corp Profile

57

Risks to ICICI

61

Application of IS in achieving ALM

83

Risk management framework at ICICI

91

Net Interest Income analysis

94

Application of Basel norms to ICICI

100

Analysis

112

Findings

123

Suggestions

129

Conclusion

130

Biblography

135

 

Keywords : ICICI BANK , HDFC BANK , STANDARD CHARTERED BANK , SBI, RISK MANAGEMENT , ASSET MANAGEMENT








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