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Article type :

Original Article

Author :

Dr. S. SIRISHA Associate Professor, Institute of Technology and Management, Warangal, Dr. P. MALYADRI Principal, Government Degree College Rayalaseema University, Srisailam Project, Kurnool-Dt. Andhra Pradesh.

Volume :

4

Issue :

7

Abstract :

Abstract The recent global financial turmoil demonstrated that maintenance of adequate liquidity is a sine qua non for the uninterrupted functioning of the banking system. In the Indian context, the rapid growth observed in banks’ lending which is long-term coupled with a dependence of the banking system on short-term deposits raises concerns about ALM. In India asset-liability mismatch in the balance sheet of commercial banks posed severe challenges as the banks were following the traditional methods of recording assets and liabilities at the book value. The liberalization process in the economy coupled with multifaceted global developments exposed banks for various kinds of risks viz. interest rate risk, liquidity risk, exchange risk, operational risk, etc. which have the direct impact on their operations, profitability, and efficiency to compete with. The Central Bank of the country focused and advised banks for taking concrete steps in minimizing the mismatch in the asset-liability composition. There had been many positive impacts of various strategies followed by banks in the last one decade. This paper is an attempt to analyze the maturity Profile of Assets and Liabilities of Scheduled Banks. The paper mainly discusses on the Nationalized Banks Group, Private Banks Group, Foreign Banks Group, and Small Finance Group. In this study, the researcher studies the Maturity Profile of Assets and Liabilities of Scheduled Banks for 2017.