Asset, Liability and Liquidity Management Policy
This Asset, Liability and Liquidity Management (ALM) Policy addresses policies, procedures and processes of a bank, credit union, fintech company, or other type of financial institution to ensure liquidity is properly maintained to represent the organization’s ability to fund assets and meet its obligations as they become due. In addition, the product contains a comprehensive Contingency Funding Plan (CFP) to ensure that an organization’s sources of liquidity are sufficient to fund normal operating requirements under contingent liquidity events.
Table of Contents
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- Purpose and Contents – Topic 1
- Policy Statement – Topic 2
- Risk Management – Topic 3
- Responsibility – Topic 4
- Liquidity Management Strategies and Collateral Position Management – Topic 5
- Risk Tolerances and Limits – Topic 6
- Liquidity Reporting – Topic 7
- Liquidity Management Fundamentals – Topic 8
- Liquidity Risk Measurement – Topic 9
- Asset-Based Liquidity Sources – Topic 10
- Liability-Based Liquidity Sources – Topic 11
- Off-Balance Sheet Items – Topic 12
- Liquidity Risk Analysis and Mitigation – Topic 13
- Contingency Funding Plan – Topic 14
- Internal Controls – Topic 15
- Third-Party Management – Topic 16
- Regulatory Evaluation of Liquidity – Topic 17
- Interest Rate Risk Policy Reference – Topic 18
- Investment Policy Reference – Topic 19
- Regulation F Policy Reference – Topic 20
- Audit Policy – Topic 21
- Staff Training – Topic 22
- Retention of Documentation – Topic 23
Recent updates to this product:
06/03/24 Update
FDIC – April 2024 Update to the Risk Management Manual of Examination Policies Section 6.1 – Liquidity and Funds Management
03/18/24 Update
FDIC – March 2024 Update to the Risk Management Manual of Examination Policies Section 3.3 – Securities
08/01/23 Update
Joint Release – Agencies Update Guidance on Liquidity Risks and Contingency Planning
06/15/23 Update
OCC Bulletin 2023-15 – Liquidity: Updated Comptroller’s Handbook and Rescissions
03/01/23 Update
Joint Release – Joint Statement on Liquidity Risks to Banking Organizations resulting from Crypto-Asset Market Vulnerabilities
This Asset, Liability and Liquidity Management (ALM) Policy (approximately 79 pages) is available to purchase from Bankpolicies.com in Microsoft® Word format.
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