ALM desk analyses and prepares ALCO paper incorporating local and international economic trends and recommends balance sheet strategies as well as guides ALCO in changing lending and deposit rates. Basic ALM functions are:

 

Monitoring the balance sheet mix of assets and liabilities

Strategic liquidity management

Interest rate risk exposure management

Monitoring maturities of assets and liabilities

Management of mismatches between assets and liabilities   

Pricing of deposit and advance

Internal profitability measurements (FTP-fund transfer pricing management)

Regulatory compliance of short and long term solvency in balance sheet (LCR-NSFR)

Managing all regulatory ALM indicators prescribed by regulatory bodies.