Correspondence by terms of assets

This approach can be used to assess the liquidity of bank balance, but not the bank as a whole. Liquidity reflects the ability of the bank balance at a specific date to ensure repayment of the obligations of its assets without interference from the outside, it characterizes the stock of its own funds, photos (portfolio) of assets and liabilities defined structure, as well as compliance deadlines question liabilities maturities of assets. However, the bank's activity is characterized not only by the structure and stock investments and commitments, but before the movement of assets, they have a permanent attachment, seizure, ie, Flow of funds credited to, and therefore the liquidity of the bank should be determined taking into account the flow. Thus, the liquidity balance is an integral and inseparable part of the bank's liquidity, but the bank's liquidity is a broader concept that includes additional features of assets and liabilities relating to their ability to "move". Liquidity of assets depends primarily on the quality and level of monetary and financial systems. Like the asset quality and the quality of the structure of liabilities also play an important role in maintaining the liquidity of the bank. The share of own funds in the liability balance and structure testify to the success of the bank at the moment, the level of immobilization of capital shows how much equity can be invested in long-term and (or) high-risk assets. Structure of the sustainability of the resource base of the bank, predicts the need for liquidity to meet obligations. Category: Management Operations Commercial Bank