Staff, survival days, models – where banks split on ALM

Liquidity and rate risks are as old as banking; but the 46 banks in our benchmarking study have different ways to manage them

This piece is part of a series benchmarking bank ALM practices. Risk Management subscribers can view selected cuts of the underlying data here.

The need to match and manage assets and liabilities is so foundational for banks that you might expect each lender to do it in roughly the same way. And they do – roughly.

But while they all have broadly the same basic risks, each bank has its own product