Asset management, including asset allocation, portfolio management, and investment strategies.
Management of liabilities, including deposits, loans, and bonds, to meet commitments without strain.
Comprehensive understanding of risks, including interest rate, liquidity, credit, and market risks.
Measurement and management of risks.
Functions of an asset-liability committee (ALCo), including setting ALM objectives, portfolio review, risk management, and capital allocation.
Measuring value creation, risk-adjusted return on capital (RAROC), capital allocation, and asset liability gap.
Assessing whether the institution is adequately compensated for the risks it takes.
Assessing the difference between the maturities and cash flows of assets and liabilities.
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You work in banking and related sectors and have a role in your organization's liquidity, cash flow, and financial risks.
Assess how risks affect the balance sheet and develop strategies to mitigate them.
Set ALM objectives, considering risk appetite, profitability goals, and regulatory requirements.
Ensure alignment of asset and liability portfolios with the defined objectives.
Develop risk mitigation strategies and contingency plans.
Determine the allocation of capital to different business units and activities based on their risk-return profiles.
Optimize the balance between risk and return to create value for the institution.
Evaluate the returns generated relative to the capital deployed.
Identify potential liquidity gaps and interest rate risk exposure.
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