Features of liquidity management of Ukrainian banks in conditions of the implementation the LCR standard.

Abstract

The article proves that liquidity is one of the most important qualitative characteristics of the bank's activity, which testifies to the reliability and stability of its financial condition. According to the results of the research, the definition of the concept of "liquidity of the bank" was clarified; the factors influencing the state of liquidity of banks were identified depending on the formation environment; it was determined that on the liquidity management of the bank is directly influenced by the issuance of loans and the attraction of deposits (including in foreign currency); an analysis of the dynamics and structure of the volume of loans and deposits of banks of Ukraine was conducted in terms of currencies; analysis of the dynamics of the volume of incomes and expenditures of Ukrainian banks was conducted for the period from 2014 to the beginning of 2018; the compliance of the banks of Ukraine with the established norms of liquidity (the norm of instant liquidity, the norm of current liquidity, the norm of short-term liquidity) was considered and analyzed; a comparative characteristic of the current liquidity ratio and the liquidity coverage ratio (LCR) was made; it was proved that the banks' liquidity standards (Basel III) are more than in Ukraine aimed at ensuring financial sustainability of each individual bank and the banking system of the country as a whole.