

<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>13</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Prof. Basappa Veerappa Kapparashetty</style></author><author><style face="normal" font="default" size="100%">Manasa C T</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Asset liability management in Regional Rural Banks – A Case study of Karnataka Vikas Grameena Bank, Dharwad of Karnataka State.</style></title><secondary-title><style face="normal" font="default" size="100%">IIFSTEG2014</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2014</style></year><pub-dates><date><style  face="normal" font="default" size="100%">10/2014</style></date></pub-dates></dates><publisher><style face="normal" font="default" size="100%">Maharani Lakshmi Ammanni College For Women</style></publisher><pub-location><style face="normal" font="default" size="100%">Bangalore</style></pub-location><language><style face="normal" font="default" size="100%">eng</style></language><abstract><style face="normal" font="default" size="100%">&lt;div&gt;Asset liability management in Regional Rural Banks &amp;ndash; A Case study of Karnataka&amp;nbsp;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;Vikas Grameena Bank, Dharwad of Karnataka State.&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;Asset Liability Management represents the core of sound bank planning of financial&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;management. It is the process of adjusting bank liabilities to meet loan demands, liquidity&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;needs and safety requirements. ALM has been defines as &amp;ldquo;The Management of a Bank&amp;rsquo;s&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;entire balance sheet to achieve desired risk return objectives and to maximize the market&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;value of stock holders&amp;rdquo;. ALM is the process of adjusting bank liabilities to meet loan&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;demands, liquidity needs and safety requirements. ALM is philosophy under which banks can&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;target asset growth by adjusting liabilities to suit their needs. The focus of ALM should be the&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;bank profitability and long term operating viability the practice of ALM over time permits&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;creation of large volume of interest sensitive short term assets and liabilities. A significant&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;shift has ensured in recent years from core-deposit banking into banking based on&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;purchased funds. Disintermediation deregulation and depositor preferences have led banks&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;to devise appropriate strategies for managing bank funds. &amp;ldquo;ALM is the ongoing process of&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;formulating implementing, monitoring, revising strategies related to assets and liabilities in an&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;attempt to achieve financial objectives for a given set of risk tolerance and constraints.&amp;rdquo; The&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;key objective of ALM is that of sustaining profitability in such a manner as to argument capital&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;resources. It calls for an integrated approach towards simultaneous decision making with&amp;nbsp;&lt;/span&gt;&lt;span style=&quot;line-height: 1.5; font-size: 13.0080003738403px;&quot;&gt;regard to type and size of financial assets and liability.&lt;/span&gt;&lt;/div&gt;</style></abstract></record></records></xml>