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I here by declare that the project report titled “ASSET-LIABITY

MANAGEMENT” IN APSFC has been carried out by me under the
guidance of Miss. REKHA LAKSHMI faculty in finance.

This work is done by me as partial fulfillment for the award of


This project is my original to the best of my knowledge.


All the banks and financial institutions have adopted the concept of
asset liability management in their streams.

The main objective of asset - liability management is to manage this:

Assets and liabilities in such a way that net earnings are maximized and it
deals with both sides of the balance sheet. To solve the problems of asset -
liability management generally banks adopt:

Gap Analysis, Duration Analysis, Trend Analysis and Ratio Analysis.

But APSFC has adopted the method of gap analysis to solve the problem is
created in their assets and liabilities.

By doing gap analysis 'Financial Institutions can avoid risk and can
earn more profits. As per RBI guide lines, all the banks and financial
institutions are required to prepare structural liquidity statements and
interest rate sensitivity analysis statements. The statements are generated
by grouping rate sensitive assets, liabilities and off balance sheet position
into time buckets according to residual maturity or next pricing period.

I express my sincere thanks to Sri. G.LAXMI NARAYANA, SENIOR

guidance and support extended throughout the study.

I would like to thanks to R.S.R.C KUMAR, SENIOR MANAGER and all

the officers and staff for helping me in completion of this project.

I am very thankful to my faculty guide Miss. Rekha Lakshmi, Faculty

Member, St.Mary’s PG College DESHMUKHI, for her valuable inputs,
Guidance, support and cooperation all along the internship program.

This project would not have been possible without her help.

Last but by no means the least I would like to convey my special thanks
to Mr. Satya Narayana (Director), and all the faculty members of St.Mary’s
PG College for providing me all the needed inputs and facilities for the
successful completion of project.