A STUDY ON ASSET LIABILITY MANAGEMENT IN INDIAN BANKS AT UNION BANK OF INDIA

The main goal of this Research is to determine how well Union Bank of India's Asset Liability Management (ALM) system has shielded Indian banks from catastrophic financial crises. This Research examines interest rate risk, liquidity risk, and maturity mismatches using secondary data from annual reports, RBI regulations, and Basel-III disclosures. It accomplishes this by using a variety of methods, including gap analysis, liquidity ratios, and duration profiling. The findings demonstrate the efficiency and organization of Union Bank of India's Asset-Liability Management (ALM) procedure. The bank will be better equipped to handle changes in interest rates and regulations with this assistance. The report identifies two areas that need improvement: having more cash on hand during quiet market periods and improved technologies for identifying danger. This Research provides Indian commercial banks with some guidance on how to strengthen their finances and increase their profits over the long term by examining how they use ALM.