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Asset & Liability Management (Ratio Analysis (Earnings & …
Asset & Liability Management
ALM
arrange & rearrange A&L without infringing liquidity & safety
Liquidity
have enough money left to do daily business
Safety
absorb future possible losses
have enough share holder equity to run bank with capital requirements
Banking Risks
CAMEL risks
Management quality
Earnings efficiency
Asset quality
Liquidity risk
Capital adequacy
credit risk
interest rate risk
pricing risk
Ratio Analysis
Management
Earnings &
Efficiency
Return on Equity
Efficiency ratio
Break Even Ratio
Net Free Funds Ratio
Interest rate sensitivity gap
Asset Quality
non performing loans
reserves for NPL
Liquidity
Capital Adequacy
financial leverage
capital formation rate
Increasing Interest Margin
change interest spread
re-price asset
re-price liability
alter asset
plan taxes
reduce liquidity
Increase size
expand assets
reduce fixed asset
increase equity