Fundamentals of ALM and balance sheet management
- Course Level : Certification
- Duration : 10 Hours
- Certificate :
- Pre-recorded Sessions : Yes
- 100k+ Happy Students
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Fundamentals of ALM & Balance Sheet Management Certification Course
Mastering ALM & Balance Sheet Management
This course provides a practical and comprehensive understanding of how financial institutions manage their balance sheets to achieve stability, profitability, and regulatory compliance. Participants will learn the key principles of Asset Liability Management (ALM), analyze balance sheet structures, and assess core risks such as interest rate, liquidity, and foreign exchange risk.
With a strong focus on UAE regulatory guidelines, CBUAE supervisory expectations, and Basel III liquidity frameworks, the program equips learners to apply real-world risk measurement techniques, use ALM tools and MIS dashboards, and contribute effectively to ALCO discussions and strategic decision-making.
Designed for banking, finance, and risk management professionals, this course integrates case studies, scenario simulations, and practical frameworks to support confident and informed balance sheet management.
Enroll now to strengthen your ability to interpret financial risks, support funding decisions, and align capital and liquidity strategies with organizational goals.
What You’ll Learn
- Core ALM Principles & Balance Sheet Structure: Understand how banks manage assets and liabilities to maintain stability, profitability, and controlled risk.
- Risk Identification & Measurement: Evaluate interest rate, liquidity, and FX risks using techniques like gap analysis, duration analysis, and stress testing.
- Regulatory & Compliance Frameworks: Apply UAE CBUAE rules, Basel III liquidity standards, and supervisory reporting requirements.
- ALCO Decision-Making & Governance: Interpret MIS dashboards, support ALCO discussions, and align funding, liquidity, and capital strategies with risk appetite.
- Strategic Balance Sheet Optimization: Apply scenario planning and performance management tools to improve capital efficiency and business outcomes.
Who Should Enroll?
This course is ideal for:
- Finance, Treasury, and Risk professionals
- Bankers and regulators working in ALM, liquidity, or capital management
- Business managers responsible for financial planning and balance sheet decisions
- Aspiring professionals seeking career advancement in bank risk management and treasury
Gain the skills to manage balance sheet risks and support strategic financial decisions in a changing market environment. This course covers modern ALM practices, regulatory requirements, and practical tools used by leading financial institutions.
Course Outline
Introduction to ALM and Balance Sheet Structure
Key topics include:
Overview of ALM: objectives and scope
Key elements of a bank’s balance sheet
ALM’s role in risk-return optimization
Coordination between treasury, finance, and risk
Regulatory Landscape in the UAE
Key topics include:
- CBUAE’s ALM and liquidity guidelines
- Basel III and Pillar 2 implications
- UAE-specific liquidity ratios (ELAR, LCR, NSFR)
- CBUAE supervisory stress testing requirements
- CBUAE’s ALM and liquidity guidelines
Interest Rate Risk Management (IRRBB)
Key topics include:
• Repricing risk, basis risk, yield curve risk
• Gap analysis and earnings-at-risk (EaR)
• Duration analysis and economic value of equity (EVE)
• Interest rate simulations and behavioral assumptions
Liquidity Risk Management
Key topics include:
• Liquidity risk types and indicators
• Maturity profiling and cash flow forecasting
• High-Quality Liquid Assets (HQLA) and liquidity buffers
• LCR and NSFR measurement and reporting
• Contingency Funding Plans (CFP)
ALM Risk Measurement Tools and Techniques
Key topics include:
• ALM reports: gap reports, liquidity reports, rate sensitivity reports
• Market value vs. book value approaches
• Internal limits and early warning signals
• Funds transfer pricing (FTP) framework
ALCO Framework and Governance
Key topics include:
• Composition and function of ALCO
• ALCO charters and escalation protocols
• Integration of strategy and risk management
• MIS, dashboards, and decision support
Foreign Exchange and Capital Risk Management
Key topics include:
• FX risk types: transaction, translation, and economic risk
• Measuring and hedging FX risk
• Capital planning and ICAAP/ILAAP principles
• Economic capital vs. regulatory capital
Strategic Balance Sheet Management
Key topics include:
• Capital allocation and business planning
• Balance sheet structure optimization
• Return on assets and capital efficiency
• Scenario planning and stress testing integration
Technology and Data in ALM
Key topics include:
• Role of ALM systems and automation
• Data integrity, reconciliation, and reporting challenges
• Integrating risk analytics with balance sheet strategy
Case Studies and Practical Simulations
Key topics include:
• UAE bank scenarios in interest rate shocks and liquidity crises
• GAP report interpretation and action planning
• Mock ALCO sessions and decision-making exercises
• Simulate LCR/NSFR management in real time
Course Fee
Course duration
Mode
Face to Face & Online
Location
Business Bay
Learning Management System
- Full access to Pre-recorded Sessions
- Mock Tests & Exams
- Flexible Learning
- Study Material Provided
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Why Hayford Training Institute
Hayford Integrated Training Institute is one of the prestigious training institutes in the region and has a global presence. Hayford serves the professional and student community in the region and globally through its best-in-class training and development programmes.
Hayford led by an eminent team of experts with a cumulative experience of 300+ years of professional experience in varied industries and professional domains now offers a conducive environment for the students to develop their knowledge,
learn from the masters and practice what they have learned.
Qualified Instructor
Training Support
Access to Recorded Sessions
Flexible Schedule
Best Study Material
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Frequently asked
questions
We offer three modes of training:
Online: Live interactive sessions with instructors.
Offline: Client-based or one-to-one sessions at our institute.
Pre-recorded: On-demand training videos for flexible learning.
Payments can be made via:
Bank transfer,
Online payment through a provided link (service fees may apply),
Installment plans are also available.
Yes, all training programs include soft copy study materials.
Hayford’s certificates are provided free of charge. However, for KHDA and other professional certifications, additional fees may apply.
Depending on the course, there may be a post-assessment evaluation to complete the program.
We provide mock tests and past paper revisions to help students prepare for the final exam.