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Maturity Profile of loan assets - An Asset Liability Management
(ALM) tool
Spreadshet to capture cashflows from loan assets in various time
buckets
Banking and other financial institutions need to prepare
statements of maturity profile ofassets and liabilities as part of
their ALM exercise - for regulatory requirements and/or as partof
their internal risk management measures. Though nstitutions ha!ing
modern high endsoft"are systems can handle these tasks easily#
those "ho still depend on spreadsheets findthis task daunting. This
spreasheet demonstrates to sho" ho" such statemetns can beprepared
in simple# time sa!ing and cost effecti!e manner using microsoft
$xcel application.
As the loan data "ith maturity dates is entered in %&ata%
sheet of this "orkbook# the %Main%sheet captures the asset
cashflo"s in !arious time buckets. The time buckets can be
definedas per user requirements in the %'etup% sheet. The same
method can be used for liabilities togenerate Maturity profile of
Liabilities and comibining the statments of both assets
andlaibilities# you can generate of Liquidity / (ap 'tatement.
The Main sheet uses array formulas. )ou may unprotect the sheet
to !ie" these formulas*
ho"e!er be guided by the precautions of using these formulas#
"hile editing this sheet.
More banking + finance related spreadsheets# templates
andtimesa!ing tools and calculators at
""".!indeep.com
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Loan Assets - Maturity dates and .ashflow buckets
Sl/ 0o/ A1c 2$ 0ame of the 3orrower Amount
0 A0 A AB6 Ltd. 07. 07-&ec-1 3
A A MT Traders Ltd. 00. 3-9un-1 1
3 A3 A Big B 6o. 25. 1-9ul-8 2502 A2 A 'tandard 'hoes 0. 1-9an-1
:!erdue
5 A5 B ;ears ; Ltd. 5. 00-Aug-1 0
1 A1 A Lakme Laminations 34. 1-9an-8 5
8 A8 A 'T; Trading 6o. 0. 05-9ul-1 85
4 A4 6 Tran< Tea Ltd 075. 0-9an-8 15
7 A7 A ''= $nterprises Ltd 34. 08-Apr-8 350
0 A0 A >en Makers 05. 0-&ec-4 725
00 A00 A Auot 'ho"s 05. 1-Apr-4 81
0 A0 A 'ho"Bi< co. 00. 8-'ep-1 07
03 A03 A Team sports 07. 4-Apr-8 32
02 A02 B &ean + &ean 5. 7-Apr-7 082
05 A05 A M'T ?ashion 1. 0-Apr-7 08501 A01 A 'tar trading 0.
00-Apr-01 3133
08 A08 6 'TL Ltd 0. 0-Apr-8 321
04 A04 A ;ran :!erseas . 03-Apr-5 @epaid
07 A07 A 9ohn + assocates 5. 02-Apr-8 324
A A &ragon agons 34. 05-Apr-8 327
0 A0 & enus 'tores 0. 01-Apr-0 0221
A A Tra!el Times Ltd 1. 08-Apr-00 040
3 A A ?ashion 6lothing Ltd. 1. 08-Apr-8 350
2 A A Terry To"els 6o 1. 08-Apr-0 084
5 A A &ream Merchants 8. 08-Apr-05 383
Asset.lass
Maturity$ate
0o/ of days tomature
