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In today’s economic scene the strategy and technique of pricing and branding of products and services have become significant marketing strategies for banks in India. In fact, under deregulation and globalization it has not only become a necessity but also provided an opportunity to banks to develop appropriate pricing and branding policy to optimize their business and revenue. It has, therefore, become necessary for banks to develop the necessary expertise and ...
The core business of banks is maturity transformation and balancing maturity periods of deposits and loans. In fact, liquidity risk is primarily to be taken care of in this process. ALM has become a key driver for profit for banks. ALM models so far developed and practiced are: a) GAP analysis; b) Duration Gap analysis; c) Scenario analysis; d) VaR model; and e) Stochastic programming. The efficacy of the system has also been tested by multivariate statistical ...