ASSET – LIABILITY MANAGEMENT (ALM) POLICY

The Delhi Bhartiya Co-operative (U) T & C society Ltd. has recently reviewed and approved its Asset-Liability Management (ALM) Policy in accordance with the guidelines and circulars issued by the Reserve Bank of India. This policy was endorsed during a meeting of the Board of Directors held on December 28, 2022, under Resolution No. A.1.(d)(ii).

Over the past few years, the Indian financial market has experienced significant and rapid changes. The dynamic nature of business objectives, encompassing both assets and liabilities, coupled with the increasing volatility in interest rates, has exerted pressure on the management to strike a harmonious balance between spreads, profitability, and long-term sustainability. In response to these challenges, a comprehensive policy has been formulated to effectively measure, monitor, and manage the composition of assets and liabilities, with the primary goal of safeguarding the bank’s interests in the face of fluctuating market trends, changes in interest rates, and various associated risks.