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Full Description
As bankers incorporate more and more complicated and precise calculations and models, a solely mathematical approach will fail to confirm the viability of their business. This book explains how to combine ALM concepts with the emotional intelligence of managers in order to maintain the financial health of a bank, and quickly react to external environment challenges and banks' microclimate changes.
ALM embraces not only balance sheet targets setting, instruments and methodologies to achieve the targets, but also the correct and holistic understanding of processes that should be set up in a bank to prove its prudency and compliance with internal and external constraints, requirements and limitations and the ongoing continuity of its operations. Bank Asset Liability Management Best Practice delves into the philosophy of ALM, discusses the interrelation of processes inside the bank, and argues that every little change in one aspect of the bank processes has an impact on its other parts. The author discusses the changing role of ALM and its historical and current concepts, its strengths and weaknesses, and future threats and opportunities.
Contents
Part 1. The changing role of ALM
The need for emersion of ALM as a banking function
Definition of ALM
Factors impacting the balance sheet
Historical ALM concepts
Current ALM concept and its instruments
Part 2. Strengths and weaknesses of ALM
ALM view on bank's scope of tasks
ALM areas of responsibility
ALM added value in bank's strategic tasks
Conflicts of interest around ALM
Part 3. Threats and opportunities for ALM
Regulatory requirements updates and their impact on bank's activities
Wider role of ALM in response to new challenges
Increasing role of interrelation of all banking areas
