Asset & Liability Management

The ALM, through the bank’s ALCO is responsible for balance sheet planning from risk – return perspective including the strategic management of interest rate and liquidity risks for optimum profitability while complying with all statutory regulatory ratios.  The committee equally monitors and ensures the bank maintains a good mix of assets and liabilities to avoid undue pressure on the balance sheet.We remain active in the money markets creating short term assets and liabilities to maximise returns to stake holders.

At FSDH Merchant Bank, the ALM process is institutionalized at the highest level and is harmonised at both the group and subsidiary levels. Our robust risk management process is the anchor upon which our ALCO decisions are based.

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