Investment Policy

Study of existing portfolio of the bank with risk analysis on

Basket wise distribution (HTM, HFT and AFS)

Size wise distribution

Maturity wise distribution

YTM wise distribution

Preparing the risk assessment model for each area and devise an investment model for various areas after considering

The growth plans of the bank

Futuristic views on various alternatives

Expectations of regulators (RBI, GOI and Co-op Dept)

Available internal expertise and enhancement thereof

Devising portfolio monitoring prescriptions.

The good “Investment Policy” would help the bank in following areas

Quicker and better investment decisions

The delegation model would simplify the decisions on investment and the higher authorities can spend more time on productive work.

Profit from investment will go up.

Requirement of provisions on investment portfolios will go down.

We would be supplementing our policy with appropriate training inputs to various authorities responsible for the implementation.