Features of liquidity regulation of commercial banks in modern conditions

Yulia Kholodna and Yulia Popova

E-Forum Working Papers, 2022, vol. 12, issue 2, 152-156

Abstract: This article summarizes the issues related to the liquidity regulation of commercial banks of Ukraine by the NBU in the general transformation of approaches to bank liquidity management after the transition from the application of liquidity standards to the introduction of LCR and NSFR. The main purpose of the study is to determine the changes that have taken place in the system of banking liquidity regulation in Ukraine as a result of the implementation of Basel III and the transformation of the banking supervision system for compliance with its standards. Systematization of literature sources and approaches to solving the problem of liquidity regulation of commercial banks shows that after the transition period, which lasted from the beginning of the National Bank of Ukraine's implementation of Basel III, changed the general requirements for asset structure and liabilities of banking institutions. The urgency of solving this scientific problem is that the definition of effective tools for regulating the liquidity of commercial banks under the new conditions will allow banks to significantly increase their financial stability and help increase their profitability. Research on the regulation of bank liquidity in the work is carried out in the following logical sequence: determining the relevance of Basel III in liquidity regulation, determining the features of the calculation of new liquidity standards, as well as - calculation of compliance with these standards by banking institutions. The article presents the results of an empirical analysis of compliance with liquidity standards of LCR and NSFR in the banking system of Ukraine in recent years, which showed that in general banks comply with these requirements, thus ensuring its effective functioning. The study empirically confirms and theoretically proves that the regulation of liquidity of commercial banks with the help of new liquidity standards is more effective and efficient than the previous methodology. The results of the study can be useful for scholars and practitioners who explore promising areas of liquidity management of commercial banks to determine effective tools for influencing liquidity, as well as for research on the transformation of banking assets in accordance with Basel III and reflected in the new liquidity standards

Keywords: liquidity; liquidity standards; LCR; NSFR; liquidity regulation (search for similar items in EconPapers)
Date: 2022
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Persistent link: https://EconPapers.repec.org/RePEc:cuc:eforum:v:12:y:2022:i:2:p:152-156

DOI: 10.36910/6775-2308-8559-2022-2-19

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