International Journal of Advanced Research in Management and Social Sciences

Assets and Liabilities Management (ALM) is a dynamic process of planning, organizing, coordinating and controlling the assets and liabilities – their mixes, volumes, maturities, yields and costs in order to achieve a specified Net Interest Income (NII). This paper examines management of asset-liability in ICICI bank. The main objective is, to understand the problems involved in maintaining and managing assets and liabilities. The present study has been conducted on the basis of secondary data and is descriptive in its nature. The study period was confined to a period of five financial years from 2008–09 to 2012–13. The required secondary data for the study was collected through different websites, annual reports of ICICI, different journals. To make the analysis meaningful advanced statistical tools like – Ratios and percentages were applied. To test hypothesizes the correlation was applied with the help of SPSS.21 Software package. The major findings are: Capital turnover ratio of the bank was satisfactory. The cash ratio has not been maintained according to the standard, the cash has been maintained less than the standard which indicates that company should maintain more cash balance. The net profit has been maintained in the increasing rate which shows that the company has performing well during the study period. From the study it is clear that ICICI looks forward to generate a more favorable service in the near future. The balance sheet of the company has been consistent and gives a hint of growth and expansion.