Volume : VII, Issue : II, February - 2017

A Note on Asset and Liability Management of Selected Commercial Banks in India

Nimisha Agrawal, C. P. Agrawal

Abstract :

 This paper examines the management of asset–liability in banking sector. The main objective of the study is to present the optimal mix of asset and liability of selected commercial banks in India. The paper mainly discusses on four banks out of which two are nationalized bank i.e. State Bank of India and Punjab National Bank and remaining two are private banks i.e. ICICI Bank Limited and HDFC Bank Limited. In order to analyze the changing perspectives, the study has been conducted for the period of five years i.e. 2011–12 to 2015–16. In the present paper an attempt has been made to evaluate the impact of ALM on liquidity and profitability of banks (comparison between public and private sector banks). For this comparison was made on different ratios like : Net Profit Margin (NPM), Return on Equity (ROE), Net Interest Margin (NIM), Credit Deposit Ratio (CDR), Investment Deposit Ratio (IDR) and Cash Deposit Ratio. 

 

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Article: Download PDF   DOI : 10.36106/ijar  

Cite This Article:

Nimisha Agrawal, C. P. Agrawal, A Note on Asset and Liability Management of Selected Commercial Banks in India, INDIAN JOURNAL OF APPLIED RESEARCH : Volume‾7 | Issue‾2 | February‾2017

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