Bank Aktiv Va Passivlarini Boshqarish
bank asset liability managementALM in bankingfinancial risk managementbalance sheet optimizationinterest rate risk management
Bank asset and liability management (ALM) is crucial for financial institutions for maintaining a healthy balance sheet and ensuring long-term stability. It involves strategically managing assets like loans and investments alongside liabilities such as deposits and borrowings. The primary goals are to optimize profitability, mitigate financial risks including interest rate fluctuations and liquidity shortages, and ensure full compliance with regulatory requirements, making effective ALM essential for sustainable growth.