ALM helps financial institutions stay flexible, safe and profitable by strategically managing liquidity, funding and market-related risks.
The Asset and Liability Management (ALM) function is responsible for the efficient management of the financial resources of a financial institution. It manages structural balance sheet risks, including interest rate risk, structural foreign exchange and collateral risk, as well as the risks associated liquidity and funding.
Liquidity management, funding management and capital management are key areas of ALM helping to:
- ensure that financial institutions always have sufficient liquidity to meet liabilities when due, under both normal and stressed conditions.
- maintain a balanced portfolio of liabilities that is broadly diversified by market, product and – if necessary - currency.
- efficiently manage a financial institution’s capital and to fulfill, monitor and forecast regulatory capital requirements.
Based on their in depth understanding of liquidity, capital and funding and the respective needs of financial institutions in the context of different market environments, ALM / Treasury specialists play a key role for the long-term, but also short-term success of a financial institution.
Executive Education for Asset and Liability Management in Financial Institutions
FHNW’s School of Business and our UK-based partner BTRM offer the first and only international double degree in Bank Treasury Risk Management worldwide. Graduates are awarded with the CAS Bank Treasury Risk Management of FHNW and the Certificate of Bank Treasury Risk Management of BTRM.
Asset and Liability Management Talks
FHNW’s School of Business offers monthly “Asset and Liability Management Talks” to the global ALM community aiming to provide current insights on relevant ALM topics either in a fully online or hybrid mode.
Next event
Past events
12.3.2026 Asset and Liability Management Talk: Who really calls the shots in banking? Uncover the impacts of banking supervision
Speaker: Andrea Cremonino, Ph. D., Capital & Portfolio Management, Unicredit, Member of the CAS BTRM Faculty
7.5.2025 Asset and Liability Management Talk: Destabilisation of Bank Deposits Across Destinations – Assessment and Policy Implications
Speaker: Richard Senner, Senior Economist Swiss National Bank
11.06.2024 Asset and Liability Management Talk: Interest Rate and Liquidity Risk Management
Speakers: Moorad Choudhry, Founder, The BTRM, Niranjan Sambhus, Basellandschaftliche Kantonalbank, Silke Waterstraat, FHNW
29.05.2023 Asset and Liability Management Talk: ESG in Bank Treasury
Moderation: Matthieu Patrice, PWC, Silke Waterstraat, FHNW
Thought Leadership
Our partner BTRM offers a Thought Leadership series, which is designed to bring to light latest thinking on the future of banking and finance, including ideas and innovations that will enable the markets to serve consumers and society better.
Publications of the CAS BTRM Faculty
Articles in blind peer-reviewed Academic Journals
Articles in externally-refereed journal publications
Books
Please contact us for tailor-made inhouse classes.
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