An Analysis of Asset-Liability Management in Banking Sector: A Case Study of Kotak Mahindra Bank
Journal Title: IOSR journal of Business and Management - Year 2018, Vol 20, Issue 2
Abstract
The Indian Financial System have changing and growing very fast way. Competitive business world involving both the asset and liabilities with changing interest rates as well as foreign exchange rates has brought pressure on the management of banks to maintain good profitability.Assets and Liability Management (ALM) is a systematic and dynamic process of planning, organizing, coordinating and controlling the assets and liabilities or in the sense management of balance sheet structure in the bank is the biggest opportunity for the Indian banking system. The main objectives of the study is to understand the theoretical background of assets liability management and profile of the bank in general and to assess the performance of profitability position in Kotak Mahindra Bank and also to evaluate the performance of profit and loss account and balance sheet ratios in Kotak Mahindra Bank. In this paper data has been collected from secondary sources from annual reports of Kotak Mahindra Bank from the period of 2013-14 to 2017-18.Finally to analyze the performance of assets and liabilities management has been measured it results the credit deposit ratio, quick ratio, interest expanded to interest earn, other income to total income and interest spreadthis ratios showing increasing trend from one year to another year therefore the performance of assets liability management position is satisfactory and better in Kotak Mahindra Bank.
Authors and Affiliations
Ms. Pragathi K. M. , Dr. Veena K. P.
Keywords
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