Effects Of Asset Liability Management On The Profitability And Liquidity Of Particular Indian Commercial Banks
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Abstract
This quantitative study focuses on Bank of India, Andhra Bank, Axis Bank, and HDFC Bank while analyzing the asset-liability management, profitability, and liquidity of a few chosen Indian commercial banks. Information on capital, reserves, deposits, borrowings, assets, liabilities, profitability ratios, liquidity ratios, and compound growth rates were gathered from their annual reports and financial statements. For analysis, statistical tools such as inferential and descriptive methods were used. The findings demonstrate that different banks have different approaches, with Bank of India and HDFC Bank seeing strong increases in capital, reserves, deposits, and borrowings. Andhra Bank is notable for its robust reserves of liquidity, although HDFC Bank exhibits more profitability. The report emphasizes how crucial efficient asset-liability management is to Indian commercial banking's capacity to maintain profitability and reduce risks.