alcos
ALCOs, or Asset-Liability Committees, are specialized financial committees established within financial institutions to manage and monitor the balance between assets and liabilities. Their primary role is to ensure that an institution maintains a healthy financial position by aligning its risk profiles with its funding strategies. These committees are particularly important in banks, insurance companies, and other financial entities where asset and liability management (ALM) is critical to operational stability and profitability.
The composition of an ALCO typically includes senior executives, risk managers, treasury professionals, and sometimes external
ALCOs operate under frameworks that often involve regular meetings, detailed reporting, and strategic planning sessions. They
The importance of ALCOs has grown in recent decades due to increased financial market volatility and stricter