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ALM(Asset Liability Management)
Product Brief:
Asset liability
management is a tool for hedging the risk assumed by banks in financial
intermediation. Banks are exposed to risks of different types and to stay
competitive in the market, Banks need to manage these risks adeptly. ALM
enables better management of total balance sheet dynamics with regard to its
size and quality and promotes better understanding of assets and liabilities.
The asset liability management software will immensely aid the banks in
balancing their portfolio to achieve desired risk - return payoff. The software
will enable the banks to measure sensitiveness of key parameters to
environmental changes.
The need for the product:
With the deregulation of
interest rates, banks' focus has shifted from Asset Management to Asset
Liability Management. Liquidity Management, Interest differential, Impact of
movements in interest rates on the portfolio, Maturity matching are gaining
importance. Banks are increasingly looking for maximizing spreads and
optimizing risk exposure. Central Banks are seized of these issues and require
banks to undertake analysis of these issues and to strictly adhere to policies
framed in this regard. ALM of Pentasoft will enable the banks to achieve these
objectives and to meet reporting requirements of Central Banks.
Environment:
Server Configuration : -
Pentium II Processor, 128 MB RAM, 8 GB HDD
Node Configuration
: -
Pentium II Processor, 32 MB RAM
Software:
Server : Oracle 7.3 or
Higher, Windows NT Server
Client Side: Win 95 /
Win 98 / Win NT, Oracle Client.
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