ASSET LIABILITY MANAGEMENT AT HDFC BANK: A COMPREHENSIVE OVERVIEW

Abstract

Asset-liability management, or ALM, is a risk-control method used by commercial banks all over the world. Banks must cope with a variety of economic hazards, including interest rate risk and cash risk. All commercial banks get their money back based on these risk criteria. Using HDFC Bank as an example, this study investigates liquidity mismatches across time periods and their impact on returns in India. The study examines financial data from the 2007-2008 fiscal year to the 2016-17 fiscal year across a ten-year period. The descriptive style is used in the research article. Other sources of information were reports and RBI directions. According to the findings, ALM is an effective risk management strategy.