2409-1634Research result. Economic Research2409-163410.18413/2409-1634-2021-7-2-0-72475FINANCELiquidity risk analysis at financial banking institutionsLiquidity risk analysis at financial banking institutionsZaboonOleiwi HusseinZaboonOleiwi Husseinhusszele@yahoo.com20217200

In this article, we demonstrate the necessity of measuring bank liquidity risk. Liquidity risk is very important. The ability to initiate financial operations and to complete them in the short term with minimal costs and high profitability depends on the liquidity of the financial and banking institution concerned. The liquidity risk, being considered as the probability of loss, partial or total, of the financing capacity, can have important negative effects. Bank liquidity elements can be identified, known and based on valuation indicators to determine the liquidity risk, such as intensity, depth and duration. Of all the banking risks, liquidity has the most profound and immediate effects on the stability of the bank considered.

In this article, we demonstrate the necessity of measuring bank liquidity risk. Liquidity risk is very important. The ability to initiate financial operations and to complete them in the short term with minimal costs and high profitability depends on the liquidity of the financial and banking institution concerned. The liquidity risk, being considered as the probability of loss, partial or total, of the financing capacity, can have important negative effects. Bank liquidity elements can be identified, known and based on valuation indicators to determine the liquidity risk, such as intensity, depth and duration. Of all the banking risks, liquidity has the most profound and immediate effects on the stability of the bank considered.

banking riskbank liquidityliquidity ratebanking managementGAPbanking riskbank liquidityliquidity ratebanking managementGAPСписок литературыLy, K. C., (2015). Liquidity risk, regulation, and bank performance: Data from European banks. Global Economy and Finance Magazine", 8 (1): 11 – 33.Maramygi M. C., Suplakov D. A., (2012). Bank Liquidity Risk Management/ / Manager/ / Board Member / 9-10/37-38/2012. 46-50.Melnikova N. S., Shcherbinina A. Yu., (2017). Problems and prospects of insurance of electronic banking risks / / Vektor ekonomiki. – 2017). – No. 11. – URL: http://www.vectoreconomy.ru/images/publications/2017/11/ finance and credit/ Scherbinina_Melnikova.pdfMirzaei, A., Moore, T., and Liu, G., (2013). Does the market structure affect the profitability and stability of banks? Developing and developed economies. Journal of Banking and Finance, 37 (8), 2920-2937.Ovchinnikova O. P., Ovchinnikova N. E., (2014) The systemic financial crisis and its impact on the stability of the banking system. № 7(583)-2014. 16-21.Paliy E. V., Solovjeva N. E., (2019.) The current state of the consumer lending market in Russia / / Scientific result. Economic Research. – Vol. 5, No. 3, 2019: 66-71.Semukova Yu. M., 2020. Risk management in a commercial bank//Economy and biznis. № 6(64),2020: 216-222.Vaganova O. V., Bykanova N. I., Belotserkovsky E. D., Kanashin A. A. (2020). Ways to improve the efficiency of lending to individuals by foreign banks in Russia // Financial Economics. 2020. No. 6. pp. 11-16. [URL: http://rreconomic.ru/editorial-board/redactor/166/].Vaganova O. V., (2020). Threats to the security of electronic banking systems in modern conditions/ Vaganova O. V. Yusef R. / / Economics of Sustainable Development. 2020. 4 (44): 216-221.Vaganova, O. V. (2019) Directions of development of banking technologies in the Russian market of retail credit services / / Vaganova, O. V., Bykanova, N. I., Grigoryan, S. A. Cherepovskaya, N. A. / / Journal Revista Publicando, 5 No. 15. (2). 2018, 1365-1377.- Access mode: https://www.rmlconsultores.com/revista/index.php/crv/article/view/1457Vaganova O. V. (2019). Introduction of the latest digital technologies in the banking sector: foreign experience and Russian practice /O. V. Vaganova, N. I. Bykanova, I. L. Mityushina, Mohanad, A.-S. Salim, R. [et al.] / / Reviews of the Humanities and social sciences. -2019. – Volume 7, Issue 5, September 2019, – pp. 789-796 (Scopus)Vaganova O. V., Kucheryavenko S. A., Kucheryavenko I. A., Klimova T. V., (2017_. Modeling of the risk management system: on the example of small and medium-sized businesses // International Journal of Economic Prospects. – 2017. – Vol. 11, 4: 220-230.Vaganova O. V., (2020). The impact of electronic banking on the efficiency of banks: Data from Russia Fliginskikh T. N., Vaganova O. V., Solovjeva N. E., Bykanova N. I., Raghid Yu.,Usatova L. V. Journal of Advanced Research in the field of dynamic and control systems. 2020(12.) S4: 231-239.