Evaluation the liquidity of commercial bank (on the example of the Commercial bank Kyrgyzstan, OJSC)
Analysis of term liquidity of bank and factors that define them. Characteristic of the concept of liquidity risk and management approaches. Analysis of the balance sheet of сommercial bank. Assessment of liquidity and management politics of bank.
| Рубрика | Финансы, деньги и налоги |
| Вид | курсовая работа |
| Язык | английский |
| Дата добавления | 25.05.2017 |
| Размер файла | 28,3 K |
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secondly, a necessary condition for maintaining liquidity is to ensure possible transformation of less liquid assets into more liquid, and the influx of additional funds to answer for the obligations;
thirdly, the Bank needs to plan the optimal amount of liquidity for future periods, i.e. to assess in the aggregate liquidity of the stock, flow and forecast. This will allow him to map out a complex of measures aimed at the most rational and efficient distribution of assets and attract liabilities, as well as ways of further management of these funds.
In the field of asset management you must enter the following amendments:
when forming a stock of highly liquid and liquid assets you need to take into account both present and future, subject to change (inflow / outflow) liabilities of the Bank;
asset allocation in credit and investment should be done on a source point in accordance with the terms of the attracting of liabilities, and further to transform itself as changes in the term structure of liabilities.
In the management of liabilities must also take into account the following:
the involvement of the liabilities should take account of the possibility of their profitable placing in the assets of the respective terms. This will contribute to a better balance of assets and liabilities by maturity;
for the most effective use of available resources, the Bank should have access to external resources and to use them to regulate their liquidity in case of fluctuations of asset structure.
Of course, to apply these provisions in practice requires their detailed specification, which is the subject of a separate study. But definitely mentioned that commercial banks, applying in practice methods of liquidity management on the basis of the analysis and forecasting of cash flows, are the least vulnerable to negative impacts of market fluctuations and risk of the imbalance of liquidity.
The banking system of the Kyrgyz Republic by virtue of many factors has not gained sufficient experience in this field. Therefore, banks that most quickly and effectively master the tried and tested Arsenal of tools for managing liquidity, strengthen its resilience and increase competitiveness in the tough environment of the modern financial world.
Bibliography
1) Donald A. Ball, Wendell H. McCulloch. International Business: The Challenges of Global Competition. Textbook. Ninth Edition. - Boston, MA: McGraw-Hill/ Irwin, 2004.
2) Charles W.L.Hill. International Business: Competing in the Global Marketplace. Textbook. Fourth Edition. McGraw-Hill/ Irwin, 2003.
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