|Asset and Liability Management (ALM) is arranging and rearranging the assets and the liabilities of a bank, in order to maximize the bank’s profitibality while considering bank’s security and safety.
ALM is the key to any successful bank management. Banks that cannot do proper ALM find themselves in financial difficulties and experience liquidity and profitibality problems. They lose their credibility, the market confidence and the confidence of the public.
Banks that cannot implement good ALM either liquidate, go bankrupt or are taken over by the Savings Deposit Insurance Fund (SDIF).
Join the ALM course to learn the basic concepts and the basic principles of bank management.