Table of contents (expand)
- The credit system of the Russian Federation: essence, structure, meaning
- Legal basis for the activities of banks in the Russian Federation (Laws "On banks and banking activities", "On the Central Bank of the Russian Federation (Bank of Russia)")
- Central banks, their functions (western model)
- Functions of the Central Bank of Russia
- Passive and active operations of the Central Bank of the Russian Federation
- Monetary regulation of the economy by the Central Bank (Western and Russian models)
- Regulation and control by the Central Bank of the activities of commercial banks of the Russian Federation
- Organization by the Central Bank of cash circulation in the Russian Federation
- Refinancing of commercial banks by the Central Bank of the Russian Federation
- Operations of the Central Bank of the Russian Federation on the open market
- The essence and purpose of the fund of required reserves of commercial banks in the Central Bank of the Russian Federation
- Banks of individual elite service - Private banking ("Private banking")
- Credit auctions: essence, order of organization, meaning
- Operations of the Central Bank of the Russian Federation on servicing the public debt of Russia
- Modern inflation: essence, causes, forms of manifestation and their types in the Russian Federation
- Money circulation and its structure
- Indicators of the volume and structure of the money supply in circulation in the Russian Federation
- Monetary systems, their main elements (Western model)
- Features of the monetary system of the Russian Federation
- Interbank loans in commercial banks of the Russian Federation
- Interest rate policy of Russian banks
- Stocks: types and characteristics
- Securities in the Russian Federation. Types and characteristics
- Loan capital market: structure and functions
- Securities market: structure and functions
- Primary securities market. Methods of issue of securities
- Stock exchange: organizational and functional mechanism in the Russian Federation
- Characteristics of the secondary securities market
- Features of retail banking services - Retail banking ("Retail banking")
- The essence of money, their functions
- Theories of money and inflation
- Credit money, their types
- Bill, its essence, types
- Government securities (western model)
- Commercial banks: essence, types and role in the economy (Western model)
- Commercial banks: essence, types and role in the Russian economy
- Passive operations of commercial banks of the Russian Federation
- Formation of own resources of Russian banks
- Attracted resources of commercial banks in the Russian Federation
- Liability management in commercial banks of the Russian Federation
- Active operations of commercial banks of the Russian Federation
- Loan operations of commercial banks in the Russian Federation: essence, types, characteristics
- Documents submitted by the borrower for obtaining a loan from a commercial bank of the Russian Federation
- Forms of loan security
- Operations of commercial banks of the Russian Federation with securities
- Investment activity of Russian banks
- Asset management of commercial banks
- Liquidity of credit institutions of the Russian Federation. Liquidity indicators
- Financial risks
- Characteristics of the bank's assets in terms of providing liquidity, profitability
- Forms of credit: commercial, banking, consumer, state, international
- Financial services of commercial banks (leasing, factoring, trust transactions)
- Settlement operations of commercial banks
- The main forms of cashless payments in the Russian Federation
- Formation of check circulation in the Russian Federation (checks of commercial banks)
- Main forms of international payments
- Foreign exchange operations of Russian banks
- Foreign exchange market in the Russian Federation: participants, structure
- Mortgage banks and their operations (western model, experience in the Russian Federation)
- Investment banks and their operations (western model, experience in the Russian Federation)
- Savings banks and their operations (Western model)
- Savings banks of the Russian Federation
- Insurance companies and their operations
- Pension funds and their operations
- Investment companies and investment funds (western model, experience in the Russian Federation)
- Theories of credit
- The essence, functions and role of credit in the market economy of the Russian Federation
- International financial institutions
- Essence and functions of banking marketing
- Essence and functions of banking management
- Credit, investment and financial consulting
Characteristics of the bank's assets in terms of providing liquidity, profitability
Liquid assets are loans issued by the bank, the maturity of which is due within the next 30 days, including taking into account the documented prolongation, as well as other payments in favor of the bank to be transferred within these terms.
Currently, asset management theory is based on three methodological statements:
1. A commercial bank can maintain liquidity if its assets are placed in short-term loans and repaid on time. This statement is confirmed only under the condition of normal economic development, but not in the conditions of an economic downturn, when liquid funds are so necessary. In addition, this statement does not take into account the need for credit resources in a developing economy, as well as the stability or instability of bank deposits.
2. A commercial bank can be liquid if its assets can be moved or sold to other creditors or investors for cash. In practice, the sources of liquid resources are certain types of securities that can be easily converted into cash.
3. The liquidity of a commercial bank can be planned if the loan repayment schedule is based on the future income of the borrower. Consequently, bank liquidity can be influenced by changing the structure of the maturity of loans and investments. In practice, this statement has become the basis for the formation and management of an investment portfolio with the help of the stepping effect. The method of pursuing an investment policy by commercial banks, using the effect of stepping income and expenses, is called diversification.
Realizing in practice the theoretical provisions concerning the liquidity of commercial banks, banks are forced to balance between profitability, liquidity and solvency.
Banks that are unable to provide liquidity in some unforeseen situations may be insolvent, and eventually, possibly bankrupt. That is why the issue of bank liquidity management is of fundamental importance and occupies one of the paramount places in the practice of world banking.
The need for liquidity is determined by the nature of bank loans and depends to the same extent on the amount of cash. In turn, attracting deposits depends on the investment opportunities available to the bank. All these factors are interconnected and united by a single strategy for managing the liquidity of commercial banks, called portfolio management of a commercial bank (managing the assets and liabilities of the bank, pursuing the achievement of profitability, solvency and liquidity).
Author: Shevchuk D.A.
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