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Management of the banking sector by raising the bar, the practical application of the core principles should improve banking supervisionworldwide 12. Asset-liability management (alm) is conducted primarily at an overview, balance sheet level in a properly integrated banking function the alm desk must have a remit overseeing all aspects of a bank's operations the drivers are the different currency interest rates, with each exposure being made up. Principles of banking is intended to give those who are new to banking a general understanding of the industry.
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