Liquidity Gap Profile: An illustration

Deposits

Bank c)  29 days f)  Over 1

b)  15 - 28 d)  Over 3 e)  Over 6
to year
a)  1 - 14
days days 3 months months to 6 months to 1 to 3 years

months year
-1 -2 -3 -4 -5 -6

BANK OF
MAHARASHT 4825.28 3180.59 9005.03 9257.05 40675.62 33175.85
RA
CANARA
63205.86 16599 47040.82 45787.71 114492.45 291706.2
BANK

BANK OF
MAHARASHT 4825.28 3180.59 9005.03 9257.05 40675.62 33175.85
RA(Deposits)
BANK OF
MAHARASHT 5879.93 4267.44 9169.93 12004.06 9238.4 19851.02
RA (L & Adv)

Liquidity Gap 1055 1087 165 2747 -31437 -13325

Borrowings 6.2 - - - 203 2360.75

Investments 134.04 134.36 4111.6 3465 3539.42 4693.85

CANARA
BANK(Deposit 63205.86 16599 47040.82 45787.71 114492.45 291706.2
s)

CANARA
BANK (L & 44971.12 19825.07 36550.93 33583.03 60282.36 85922.09
Adv)

Liquidity Gap -18235 3226 -10490 -12205 -54210 -205784

Borrowings 4560.78 1565.72 2067.92 2106.1 2540.59 10921.19

Investments 451.88 1487.17 10499.23 9221.71 14915.86 13966.65

 Total of

Deposits

g)  Over 3 h)  Over 5 b)  15 - 28

a)  1 - 14
years to 5 years days days

years
-7 -8 -9

13416.5 36530.5 150066.42 6.2 -

25798.97 20720.16 625351.17 4560.78 1565.72

13416.5 36530.5 150066.42

14628.82 19849.42 94889.02

1212 -16681 -55177

- 1131.01 3700.96

3736.22 37961.13 57775.62

25798.97 20720.16 625351.17

56917.25 94123.35 432175.2

31118 73403 -193176

8099.47 10900 42761.77

8017.47 117684.97 176244.94

 Borrowings

c)  29 days to

3 months

2067.92

The liquidity Gap for all the term plans is negative, so it can be concluded that bank is lending to all kinds of term loan. As of
now, the bank is seen to be in stressed situtation, it can release some its investments to reduce its liquidity gap. Also another
situation that need's to be taken into consideration is that,Bank has already taken short term and long term borrowing. The
highest negative liquidity gap is for 3-5 years and 5 years plan. Bank should focus on increasing the deposits of the bank.
There are several risks arising from this interaction. The most important ones are interest rate risk, credit risk and liquidity
risk.
 Total Of

Borrowings Investments (at book value)

f)  Over 1 c)  29 days

d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5 b)  15 - 28 d)  Over 3
year to
a)  1 - 14
months to 6 months to 1 to 3 years years to 5 years days days 3 months months to 6

months year years months

- 203 2360.75 - 1131.01 3700.96 134.04 134.36 4111.6 3465

2106.1 2540.59 10921.19 8099.47 10900 42761.77 451.88 1487.17 10499.23 9221.71
 Total of

Investments (at book value) Investment Foreign Currency Assets

s
(at book
f)   Over 1 c)  29 days
e)  Over 6 g)  Over 3 h)  Over 5 value) b)  15 - 28 d)  Over 3 e)  Over 6
year to
a)  1 - 14
months to 1 to 3 years years to 5 years days days 3 months months to 6 months to 1

year years months year

3539.42 4693.85 3736.22 37961.13 57775.62 2486.11 1491.17 1720.99 2494.57 2928.54

14915.86 13966.65 8017.47 117684.97 176244.94 7337.67 9201.3 12663.87 2579.09 6201.65
 Total of

rrency Assets Foreign Foreign Currency Liabilities

Currency
f)  Over 1 c)  29 days f)  Over 1
g)  Over 3 h)  Over 5 Assets b)  15 - 28 d)  Over 3 e)  Over 6
year to year
a)  1 - 14
to 3 years years to 5 years days days 3 months months to 6 months to 1 to 3 years

years months year

- - - 11121.38 2148.16 2078.78 1606.17 2017.59 3167.71 75.28

2393.1 5594.42 3610.01 49581.11 6289.83 3409.6 7663.12 1932.34 4160.97 415.03
 Total of

es Foreign Loans and Advances

Currency
c)  29 days f)  Over 1
g)  Over 3 h)  Over 5 Liabilities b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3
to year
a)  1 - 14
years to 5 years days days 3 months months to 6 months to 1 to 3 years years to 5

years months year years

42.61 - 11136.3 5879.93 4267.44 9169.93 12004.06 9238.4 19851.02 14628.82

2.65 2241.67 26115.21 44971.12 19825.07 36550.93 33583.03 60282.36 85922.09 56917.25
 Total of
Loans
and
Advances

h)  Over 5

years

19849.42 94889.02

94123.35 432175.2
 Deposits

Bank c)  29 days f)  Over 1

b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5
to year
a)  1 - 14
days days 3 months months to 6 months to 1 to 3 years years to 5 years

months year years

-1 -2 -3 -4 -5 -6 -7 -8
RBL BANK
7564.22 4217.18 8796 6734.27 9639.51 19042.51 271.92 461.52
LIMITED
IDBI BANK
16579.02 5448.02 13869 15080.02 27684.02 119837.02 10637.02 13290
LIMITED

RBL BANK
LIMITED(Dep 7564.22 4217.18 8796 6734.27 9639.51 19042.51 271.92 461.52
osits)

RBL BANK
LIMITED (L & 2969.39 3564.71 4229 4542.39 12373.91 16929.69 3419.12 5143.22
Adv)

Liquidity Gap -4595 -652 -4567 -2192 2734 -2113 3147 4682

Borrowings 13.67 65 684.94 1219.76 1943.92 4271.02 1877.33 -

Investments 6584.5 1347.88 2155.14 1565.12 2179.49 3455.58 397.6 463.96

IDBI BANK
LIMITED(Dep 16579.02 5448.02 13869 15080.02 27684.02 119837.02 10637.02 13290
osits)
IDBI BANK
LIMITED (L & 2571.01 695.11 4482.11 3647.11 7813.11 49679.11 15129.11 45825.11
Adv)

Liquidity Gap -14008 -4753 -9387 -11433 -19871 -70158 4492 32535

Borrowings 1099.1 2675.1 665.1 758.11 5792.11 12966.11 4385.11 8408.11

Investments 25487.05 19.05 184.05 279.05 678.05 377.05 2094.06 52662.05

Total of

Deposits

b)  15 - 28
a)  1 - 14
days days

-9
56727.13 13.67 65

222424.13 1099.1 2675.1

56727.13

53171.43

-3556

10075.64

18149.27

222424.13

129841.79

-92582

36748.86

81780.42
 Borrowin

c)  29 days to

3 months

684.94

665.1

So to have more assets than liabilities is always a better situation as it allows for flexibility, growth, and an
overall comfortable financial position for the organisation. In the above situation we can see that the ratio of
borrowings and Investment of bank. is having a huge difference as bank is having a Goodwill in the market
and also the customer network is good so people prefer to invest in this bank as compared to south Indian
bank. Also in case of liquidity gap we can see that there is more positive rise in case from the time period of 29
days - 3 years where as in case of bank the period when there is increase in loans and advances starts from 3
months - 3 years.
Borrowings

d)  Over 3

months to 6

months

1219.76

758.11
 Total Of

Borrowings Investments (at book value)

f)  Over 1 c)  29 days

e)  Over 6 g)  Over 3 h)  Over 5 b)  15 - 28 d)  Over 3 e)  Over 6
year to
a)  1 - 14
months to 1 to 3 years years to 5 years days days 3 months months to 6 months to 1

year years months year

1943.92 4271.02 1877.33 - 10075.64 6584.5 1347.88 2155.14 1565.12 2179.49

5792.11 12966.11 4385.11 8408.11 36748.86 25487.05 19.05 184.05 279.05 678.05
 Total of

(at book value) Investment Foreign Currency Assets

s
(at book
f)   Over 1 c)  29 days f)  Over 1
g)  Over 3 h)  Over 5 value) b)  15 - 28 d)  Over 3 e)  Over 6
year to year
a)  1 - 14
to 3 years years to 5 years days days 3 months months to 6 months to 1 to 3 years

years months year

3455.58 397.6 463.96 18149.27 872 841.68 1492.06 607.46 376.67 1247.58

377.05 2094.06 52662.05 81780.42 21664 6903 4487 2577 4915 3272
 Total of

s Foreign Foreign Currency Liabilities

Currency
c)  29 days f)  Over 1
g)  Over 3 h)  Over 5 Assets b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3
to year
a)  1 - 14
years to 5 years days days 3 months months to 6 months to 1 to 3 years years to 5

years months year years

1162.53 47.88 6647.86 1515.36 390.82 1091.73 556.99 2219.69 580.99 1678.04

447 1588 45853 11726 5453 10171 5692 6987 2003 694
 Total of

Foreign Loans and Advances

Currency
c)  29 days f)  Over 1
h)  Over 5 Liabilities b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5
to year
a)  1 - 14
years days days 3 months months to 6 months to 1 to 3 years years to 5 years

months year years

61.7 8095.32 2969.39 3564.71 4229 4542.39 12373.91 16929.69 3419.12 5143.22

15372 58098 2571.01 695.11 4482.11 3647.11 7813.11 49679.11 15129.11 45825.11
Total of
Loans
and
Advances

53171.43

129841.79
S

Deposits

Bank c)  29 days f)  Over 1

b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5
to year
a)  1 - 14
days days 3 months months to 6 months to 1 to 3 years years to 5 years

months year years

-1 -2 -3 -4 -5 -6 -7 -8

ESAF
SMALL
FINANCE
BANK
LIMITED 764.13 524.45 1511.38 2206.06 4117.33 3558.65 79.80 53.27

FINCARE
SMALL
FINANCE
BANK
LIMITED 445.39 40.57 253.55 533.13 1609.05 3372.57 187.39 13.94

ESAF SMALL
FINANCE
BANK
LIMITED(Dep
osits) 764.13 524.45 1511.38 2206.06 4117.33 3558.65 79.80 53.27
ESAF SMALL
FINANCE
BANK
LIMITED (L &
Adv) 399.20 456.23 949.76 1498.00 3239.66 4372.21 588.97 132.97
Liquidity Gap -365 -68 -562 -708 -878 814 509 80

Borrowings 342.58 - 54.75 272.00 492.25 1683.25 40.00 68.00

Investments 6.03 2.20 241.73 20.15 22.16 21.92 698.25 3057.85

FINCARE
SMALL
FINANCE
BANK
LIMITED(Dep
osits) 445.39 40.57 253.55 533.13 1609.05 3372.57 187.39 13.94
FINCARE
SMALL
FINANCE
BANK
LIMITED (L &
Adv) 193.62 161.86 783.27 1093.88 1730.97 2058.80 488.82 525.15
Liquidity Gap -252 -284 743 840 1198 450 -2884 338

Borrowings 438.04 30.00 40.33 183.47 420.44 1491.47 332.10 7.69

Investments 542.51 43.17 43.51 157.33 776.08 539.03 47.58 2.42
Total of Total Of

Deposits Borrowings Borrowings

c)  29 days f)  Over 1

b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5
to year
a)  1 - 14
days days 3 months months to 6 months to 1 to 3 years years to 5 years

months year years

-9

12815.07 342.58 - 54.75 272.00 492.25 1683.25 40.00 68.00 2952.83

6455.58 438.04 30.00 40.33 183.47 420.44 1491.47 332.10 7.69 2943.54

12815.07

11637.00
-1178

2952.83
4070.30

6455.58

7036.37
7022

2943.54
2151.62
 Total of

Investments (at book value) Investment

s
(at book
c)  29 days f)   Over 1
b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5 value)
to year
a)  1 - 14 a)  1 - 14
days days 3 months months to 6 months to 1 to 3 years years to 5 years days

months year years

6.03 2.20 241.73 20.15 22.16 21.92 698.25 3057.85 4070.30 -

542.51 43.17 43.51 157.33 776.08 539.03 47.58 2.42 2151.62 -

 Total of

Foreign Currency Assets Foreign Foreign C

Currency
c)  29 days f)  Over 1
b)  15 - 28 d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5 Assets b)  15 - 28
to year
a)  1 - 14
days 3 months months to 6 months to 1 to 3 years years to 5 years days days

months year years

- - - - - - - - - -

- - - - - - - - - -
 Total of

Foreign Currency Liabilities Foreign Loans and Advance

Currency
c)  29 days f)  Over 1 c)  29 days
d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5 Liabilities b)  15 - 28
to year to
a)  1 - 14
3 months months to 6 months to 1 to 3 years years to 5 years days days 3 months

months year years

- - - - - - - 399.20 456.23 949.76

- - - - - - - 193.62 161.86 783.27

 Total of
Loans
Loans and Advances and
Advances

f)  Over 1
d)  Over 3 e)  Over 6 g)  Over 3 h)  Over 5
year

months to 6 months to 1 to 3 years years to 5 years

months year years

1498.00 3239.66 4372.21 588.97 132.97 11637.00

1093.88 1730.97 2058.80 488.82 525.15 7036.37