Title: LIQUIDITY RISK MANAGEMENT IN INDIAN
PRIVATE SECTOR BANKS
Authors: Mary George
, Jinsu Ann Markose
, Dr. Prakash
, Jinsu Ann Markose2
, Dr. Prakash3
1. P.G Student, Department of Commerce/(Christ Deemed to be University) Bengaluru, India
2. P.G Student, Department of Commerce/ (Christ Deemed to be University) Bengaluru, India
3. Assistant Professor, Department of Commerce/(Christ Deemed to be University)
MLA 8 George, Mary, et al. "LIQUIDITY RISK MANAGEMENT IN INDIAN PRIVATE SECTOR BANKS." Int. j. of Social Science and Economic Research, vol. 3, no. 11, Nov. 2018, pp. 5977-5991, ijsser.org/more2018.php?id=415. Accessed Nov. 2018.
APA George, M., Markose, J., & Dr. Prakash. (2018, November). LIQUIDITY RISK MANAGEMENT IN INDIAN PRIVATE SECTOR BANKS. Int. j. of Social Science and Economic Research, 3(11), 5977-5991. Retrieved from ijsser.org/more2018.php?id=415
Chicago George, Mary, Jinsu Ann Markose, and Dr. Prakash. "LIQUIDITY RISK MANAGEMENT IN INDIAN PRIVATE SECTOR BANKS." Int. j. of Social Science and Economic Research3, no. 11 (November 2018), 5977-5991. Accessed November, 2018. ijsser.org/more2018.php?id=415.
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Abstract: ALM has attracted many researchers to carry out different studies, which were mainly focused
on various aspects of ALM such as a tool for managing risks, caused by changes in the interest
and liquidity position of the bank. This paper examines the asset-liability mismatches in the
Indian private sector banks using the maturity gap analysis to understand the short- term & longterm
liquidity patterns and strategies in maintaining the liquidity risk. A strong liquidity position
in the banking industry is always essential. The probabilities of default in the banking industry
will increase, in case the bank fails to manage their liquidity risk. The transformation in banking
process has made it necessary to take up the practice of ALM as a strategic planning to survive in
this competitive and risky environment. The present paper studies about how ALM is used as a
tool for managing liquidity risk using RBI-prescribed Gap model in seven banks, namely, Axis
Bank, Federal Bank, HDFC, ICICI, Kotak Mahindra, IndusInd, and Yes Bank. The findings of
this paper conclude that nearly all the banks face a shortage of funds and are exposed to risk. In
the case of few banks, ALM needs an improvement in reducing its current liabilities and
increasing its current assets.
The International Journal of Social Science and Economic Research Inviting Papers/Articles for Current Issue Volume 4 No. 02 February 2019.
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