摘要：The success of any organization depends upon the fact that how efficiently it uses its assets and maintains sound solvency position. This is possible only with help of effective Asset and Liability Management (ALM). Asset liability management is an approach that provides institutions with protection that makes such risk acceptable. Asset-liability management models enable institutions to measure and monitor risk, and provide suitable strategies for their management. It is, therefore, appropriate for institutions (banks, finance companies, leasing companies, insurance companies, and others) to focus on asset-liability management when they face financial risks of different types. Asset-liability management includes not only a formalization of this understanding, but also a way to quantify and manage these risks. Present paper is an attempt to analyse various component of ALM based on accounting ratios in Indian banking industry during the period of 2003 to 2005. As the representative of banking industry SBI,PNB, ICICI and HDFC have been selected.
