Discuss the importance of proper asset-liability management in a bank

The Fall of United Western Bank

Discuss the importance of proper asset-liability management in a bank

The case describes the growth and collapse of United Western Bank Limited (UWBL), a private sector commercial bank in India. Since the late 1990s, UWBL was facing several problems including asset-liability mismanagement, inefficient management of bank’s assets, irregular transactions with some of its major shareholders like Makharia Group, conflicts between the bank’s major shareholders regarding the ownership of the bank and poor governance. These problems collectively resulted in the collapse of UWBL. In order to protect the interests of the creditors of UWBL, the Government of India (GoI) announced the merger of the bank with IDBI Bank. The case further details the terms of the merger and ends with a brief analysis of the future prospects of the merged entity.

Issues:

» Analyze the reasons that led to the fall of United Western Bank

» Discuss the importance of proper asset-liability management in a bank

» Examine the role of RBI as a banking industry regulating authority and debating on the justifiability of its actions in the UWBL fiasco

» Appreciate the importance of efficient and transparent management

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