@article {3804, title = {Asset liability management in Regional Rural Banks {\textendash} A Case study of Karnataka Vikas Grameena Bank, Dharwad of Karnataka State.}, journal = {IIFSTEG2014}, year = {2014}, month = {10/2014}, publisher = {Maharani Lakshmi Ammanni College For Women}, address = {Bangalore}, abstract = {
Asset liability management in Regional Rural Banks \– A Case study of Karnataka\ Vikas Grameena Bank, Dharwad of Karnataka State.\ Asset Liability Management represents the core of sound bank planning of financial\ management. It is the process of adjusting bank liabilities to meet loan demands, liquidity\ needs and safety requirements. ALM has been defines as \“The Management of a Bank\’s\ entire balance sheet to achieve desired risk return objectives and to maximize the market\ value of stock holders\”. ALM is the process of adjusting bank liabilities to meet loan\ demands, liquidity needs and safety requirements. ALM is philosophy under which banks can\ target asset growth by adjusting liabilities to suit their needs. The focus of ALM should be the\ bank profitability and long term operating viability the practice of ALM over time permits\ creation of large volume of interest sensitive short term assets and liabilities. A significant\ shift has ensured in recent years from core-deposit banking into banking based on\ purchased funds. Disintermediation deregulation and depositor preferences have led banks\ 
to devise appropriate strategies for managing bank funds. \“ALM is the ongoing process of\ formulating implementing, monitoring, revising strategies related to assets and liabilities in an\ 
attempt to achieve financial objectives for a given set of risk tolerance and constraints.\” The\ key objective of ALM is that of sustaining profitability in such a manner as to argument capital\ resources. It calls for an integrated approach towards simultaneous decision making with\ regard to type and size of financial assets and liability.
}, author = {Prof. Basappa Veerappa Kapparashetty and Manasa C T} }