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Liquidity imbalance of commercial banks: Concept, evaluation methods

Bibikova E.A. Ivanovo State University, Ivanovo, Ivanovo Oblast, Russian Federation ( eabibikova@mail.ru )

Valinurova A.A. Ivanovo State University, Ivanovo, Ivanovo Oblast, Russian Federation ( avalinurova@mail.ru )

Sergeeva N.A. Ivanovo State University, Ivanovo, Ivanovo Oblast, Russian Federation ( tusa.sergeeva@gmail.com )

Journal: Financial Analytics: Science and Experience, #4, 2018

Subject The paper considers the deterioration in the economic situation of Russia and commercial banks' liquidity with violation of the assets and liabilities balance.
Objectives The purpose of this work is to define a concept characterizing the position of the bank related to the liquidity loss and implementation of the most effective methods for assessing liquidity.
Methods The paper uses the methods of comparison, tabular data reflection, the method of coefficients, grouping method, and the methods of observation, express analysis, and horizontal and vertical analysis.
Results We developed a concept that allows us to describe the status of a credit institution related to liquidity loss. We define evaluation methods assessing the liquidity of commercial banks. We also prove the need to identify cases of deviation from the equilibrium liquidity state.
Conclusions Evaluation of liquidity surplus is as significant as the analysis of liquidity shortage. It helps identify whether banks need to take any measures to strengthen financial sustainability.


A methodology to assess the financial soundness of regional banking system

Chetverikova E.A. Ivanovo State University, Ivanovo, Russian Federation ( elena-chetverikova@bk.ru )

Bibikova E.A. Ivanovo State University, Ivanovo, Russian Federation ( eabibikova@mail.ru )

Valinurova A.A. Ivanovo State University, Ivanovo, Russian Federation ( avalinurova@mail.ru )

Journal: Finance and Credit, #20, 2017

Subject The difficult situation in our economy has an adverse impact on individual banks and the entire banking system. As the Russian banking system's stability depends primarily on sustainability of its individual elements, it is crucial to assess the financial sustainability of regional banking systems.
Objectives The paper aims to study the existing indicators and develop new ones, and on their basis, devise a unique methodology enabling to assess financial soundness of regional banking system.
Methods We employ the comparative method, tabular presentation, factor method, grouping, and factor analysis.
Results The study defines a regional banking system, its elements, a regional bank and indicators characterizing its sustainability. We devised our own methodology to assess the financial soundness of the banking system by offering a number of indicators describing the financial stability of regional banking system, their point rating. We divided the regional banking systems into three groups, depending on their financial stability. The assessment may help identify and address problems of economic development of each particular region and optimize regional banks' performance.
Conclusions The offered methodology enables to identify the category of financial stability of the regional banking system under analysis, and thereby to determine whether any measures are needed to strengthen its financial stability.


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