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ALMCB-P10
PGDM 2010-12: Term-V

ALM in Commercial Banks
Prof. K. Viswanathan


Module 1 : Goals of ALM and ALM Analysis

Session 1-2:

· Goals of ALM & ALM Roles and Responsibilities
· Analysis of Assets and Liabilities of a bank
Module 2 : Risk Management in Banks
Session 3:
· Aim of Risk Management
· Decision under certainty and uncertainty
· Efficient portfolio and Utility Theory
· Purpose of ALM
· Value at Risk and its approaches
· Value at Risk (VaR) and Portfolio Diversification

Module 3 : Liquidity Risk Management
Session 4 to 5:
· Need for the approaches to Liquidity Risk Management
· Fundamental Approaches
· Technical Approaches
· Investment-borrowing decisions
· Management of surplus balances
· Managing Deficit balances- Models for the same
· Securitization



Module 4: Interest Risk Management & Economic Capital on account of
Interest Rate Risk
Session 6 to 10:
· Types of Interest Rate risks and their analysis
· Bond Terminology
· Bond Return
· Yield to Maturity (YTM) concept
· Realised Yield and its properties
· Bond Price Theorems
· Risk in Bonds
· Duration and its Analysis
· Modified Duration
· Convexity
· Theories of Interest Rates
· Forecasting interest rates and their risks
· Popular Models for Interest Rate Risk Management
· Managing Interest Rate Risk with Derivatives
· Mean Reversion Model

Module 5 : Exchange and Currency Risk Management
Sessions 11-12:
· Types of Forex Exposures
· Management of Foreign Exchange Exposure
· Various Techniques used in managing Forex Exposures
Module 6: Earning Analysis in ALM
Session 13 to 14:
· Earning at Risk (EaR) Analysis
· Net Present Value and methods of its assessment
· Duration Gap Analysis
· Free Cash Flow to Equity
· Market Value of Equity ( NPV & MDuration Approach)

Module 7 : Behavioral Models for Perpetual Products. Prepayment Models
Session 15 to 16:
· Behavioral Analysis for Perpetual Products
· Pricing of perpetual products
· Modified duration of a perpetuity
· Prepayment Models- How do they work
· Various Prepayment Models ( PSA Model, OTS Model, Internal Model)
· Repayment with prepayment
· Advantages of models

Module 8 : The Economics of Securitization & it’s impact on Balance Sheet
Session 17 to 18:
· Introduction to Securitisation
· Processes in Securitisation
· Structure of Securitisation
· Credit enhancement and Tranching
· Servicing of Securitisation
· Repayment structures
· Advantages and disadvantages of securitization to the various parties
· Risks to investors
· Securitization and Capital Management
· Implication of Securitisation on cost of funds for the Bank
· Implication of Securitisation on Balance Sheet
· CDO as an ALM Instrument





Module 9: What If Analysis and Fund Transfer Price (FTP) Mechanism of Banks
Session 19 to 20:
· Change in Inertest Rate
· Product Switch
· Product Roll Over (Renewal of Deposits & Rollover of Loans
· Rate sensitive reports
· New Business
· Prepayment of Loans,
· Drawdown of Un drawn balances
· Pre Mature Closure of deposits.
· Balance Sheet Forecasting of Banks
· Fund Transfer Price (FTP) Mechanism of Banks and its uses
· Stress Test and Contingency Funding Plan for Banks
· Hedging Strategy for On Balance Sheet Products Created By: Debasis Mohanty on 08/18/2011 at 09:10 AM
Category: PGDM-II Doctype: Document

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