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The Assets and Liabilities Management Committee (ALCO) of Myanma Tourism Bank (MTB) is a critical governance body responsible for overseeing the management of the bank’s assets, liabilities, and overall balance sheet. ALCO ensures that the bank operates within an appropriate risk framework while achieving sustainable profitability and maintaining financial stability.
The primary objectives of the ALCO are to:
The ALCO performs the following key functions:
Liquidity Management
Monitoring and maintaining adequate liquidity to meet operational and regulatory requirements.
Establishing contingency plans for managing liquidity crises.
Interest Rate Risk Management
Identifying and managing risks arising from changes in interest rates.
Developing strategies to protect the bank’s net interest margin (NIM).
Funding and Capital Allocation
Reviewing the bank’s funding mix and ensuring a diversified funding base.
Optimizing capital allocation to support growth while maintaining regulatory capital ratios.
Market Risk Management
Monitoring exposure to foreign exchange, market, and investment risks.
Recommending measures to mitigate market-related risks effectively.
Policy Development and Monitoring
Developing and implementing policies related to asset and liability management.
Regularly reviewing and updating policies to align with changes in market conditions and regulatory requirements.
Composition of ALCO
The ALCO is chaired by the Managing Director or a designated senior executive and includes members from key departments such as Treasury, Finance, Risk Management, and Credit. This multidisciplinary composition ensures that decisions are well-informed and balanced.
The ALCO meets monthly and as needed in response to emerging financial conditions.
The committee’s findings and recommendations are reported to the Board of Directors to guide strategic decision-making.
The ALCO of Myanma Tourism Bank is committed to maintaining financial stability, protecting the bank’s profitability, and safeguarding the interests of its stakeholders. By proactively managing the bank’s assets and liabilities, ALCO supports MTB’s mission to deliver sustainable value to its customers and shareholders.