LIQUIDITY PROVISION IN BANKS THROUGH EFFECTIVE ASSET–LIABILITY MANAGEMENT
DOI:
https://doi.org/10.5281/zenodo.18623506Keywords:
bank liquidity, asset-liability management, balance sheet structure, liquidity risk, bank funding sourcesAbstract
This article is based on investigation of liquidity provision process in commercial banks on the basis of the case
of National Bank of Uzbekistan from the point of view of assets and liabilities management. Liquidity is not viewed as
a stand-alone measure, but is more likely considered as an outcome of asset profitability, financial stability of funding
sources and the maturity of cash flows. The study examines the role of composition of assets, structure of loan portfolio,
cost of funding and maturity profile of liabilities on the liquidity position of the bank. In addition, the causes of mismatches
between assets and liabilities and its implication on the liquidity performance of the bank are analyzed. The findings show
that bank liquidity requires not only compliance with regulatory ratios but also strategic balance sheet management
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