stdClass Object ( [id] => 15976 [paper_index] => 202505-07-021601 [title] => A STUDY ON ASSET AND LIABILITY MANAGEMENT IN PUBLIC SECTOR BANKS [description] => [author] => Ms. A. Manjula , Dr. R. Kavitha [googlescholar] => [doi] => [year] => 2025 [month] => May [volume] => 12 [issue] => 5 [file] => fm/jpanel/upload/2025/May/202505-07-021601.pdf [abstract] => An essential instrument for financial institutions to manage risk and return is asset and liability management (ALM), which is the process of developing, putting into practice, and administering risk management plans in the owners' best interests. Important participants in the Indian economy, public sector banks face issues such as fluctuating interest rates, regulatory requirements, and an imbalance between assets and liabilities. The banks can reduce these risks and maintain a solid financial position by developing effective ALM procedures. We'll look at how ALM helps banks maintain their financial stability by managing liquidity, maximizing profitability, and resolving asset-liability mismatches. [keywords] => Asset And Liability Management, Liquidity Management, IRR, Public Sector Banks, Profitability, Financial Stability, Banking Sector, India. [doj] => 2025-05-13 [hit] => [status] => [award_status] => P [orderr] => 35 [journal_id] => 7 [googlesearch_link] => [edit_on] => [is_status] => 1 [journalname] => EPRA International Journal of Economics, Business and Management Studies (EBMS) [short_code] => IJHS [eissn] => 2347-4378 [pissn] => [home_page_wrapper] => images/products_image/2.EBMS.png ) Error fetching PDF file.