International Journal for Recent Development in Science and Technology

This investigation examines the impact of Asset Liability Management (ALM) on the risk management of the Indian Overseas Bank (IOB).Banks can utilize ALM, a critical structure, to oversee monetary dangers welcomed on by confuses in resources and liabilities.Takes a chance with like credit risk, liquidity setbacks, and change in loan fees must be relieved through powerful ALM methodologies.The investigation examines the manner in which ALM rehearses impact risk for executive results at IOB using subjective and quantitative methods.It analyzes the plan of ALM techniques with the bank's general bet the leaders structure and evaluates the ampleness of these methods in working on money related adequacy and execution.Key findings indicate that robust ALM practices significantly contribute to improved risk management by reducing interest rate risk, improving liquidity management, and optimizing the bank's balance sheet structure.The study emphasizes the importance of integrating ALM with risk management policies to achieve a balanced approach to managing financial risks.Banking experts and policymakers can glean some significant knowledge from this learn about how ALM reinforces risk the board structures and at last assists monetary organizations with remaining steady and tough.