title: Ð£Ð¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑÑ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¾Ð³Ð¾ Ð±Ð°Ð½ÐºÐ° (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ¢ÐÂ»)
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Liquidity management of a commercial bank (on the example of PJSC Â«VTBÂ»)
Creators: name: ÐÐ°Ð¿ÑÑÑÐ¸Ð½Ð°, ÐÐ½Ð°ÑÑÐ°ÑÐ¸Ñ
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2021
Subjects: Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¾Ð³Ð¾ Ð±Ð°Ð½ÐºÐ°
ÑÐ°ÐºÑÐ¾ÑÑ
Ð²Ð»Ð¸ÑÑÑÐ¸Ðµ Ð½Ð° Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑ
Ð¿Ð»Ð°ÑÐµÐ¶ÐµÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÑ
Ð¾Ð±ÑÐ·Ð°ÑÐµÐ»ÑÐ½ÑÐµ Ð½Ð¾ÑÐ¼Ð°ÑÐ¸Ð²Ñ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸
ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑÑ
commercial bank liquidity
liquidity factors
payment capacity
mandatory liquidity regulations
liquidity management

description: ÐÐ±ÑÐµÐºÑÐ¾Ð¼ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ ÑÐ²Ð»ÑÐµÑÑÑ ÐÐ°Ð½Ðº ÐÐ¢Ð (Ð¿ÑÐ±Ð»Ð¸ÑÐ½Ð¾Ðµ Ð°ÐºÑÐ¸Ð¾Ð½ÐµÑÐ½Ð¾Ðµ Ð¾Ð±ÑÐµÑÑÐ²Ð¾). Ð¦ÐµÐ»ÑÑ Ð²ÑÐ¿ÑÑÐºÐ½Ð¾Ð¹ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ð¹ Ð¿Ð¾ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ñ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑÑ ÐÐÐ Â«ÐÐ¢ÐÂ». ÐÑÐ»Ð¸ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ñ ÑÐ¾Ð»Ð¸ Ð¸ ÑÑÐ½ÐºÑÐ¸Ð¸ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð² Ð² ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÐºÐµ ÑÑÑÐ°Ð½Ñ, ÑÑÑÐ½Ð¾ÑÑÑ Ð¿Ð¾Ð½ÑÑÐ¸Ñ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑ. ÐÐ·ÑÑÐµÐ½Ñ Ð¼ÐµÑÐ¾Ð´Ñ Ð¾ÑÐµÐ½ÐºÐ¸ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¾Ð³Ð¾ Ð±Ð°Ð½ÐºÐ°. ÐÑÐ» Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½ Ð°Ð½Ð°Ð»Ð¸Ð· ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²Ð¾Ð³Ð¾ ÑÐ¾ÑÑÐ¾ÑÐ½Ð¸Ñ, Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸ Ð¸ Ð¿Ð»Ð°ÑÐµÐ¶ÐµÑÐ¿Ð¾ÑÐ¾Ð±Ð½Ð¾ÑÑÐ¸ ÐÐÐ Â«ÐÐ¢ÐÂ». ÐÑÑÐ²Ð»ÐµÐ½Ñ ÑÐ°ÐºÑÐ¾ÑÑ, Ð²Ð»Ð¸ÑÑÑÐ¸Ðµ Ð½Ð° Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¾Ð³Ð¾ Ð±Ð°Ð½ÐºÐ°. ÐÑÐ¾Ð²ÐµÐ´ÐµÐ½ GAP-Ð°Ð½Ð°Ð»Ð¸Ð·, Ð¿Ð¾ ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐ°Ð¼ ÐºÐ¾ÑÐ¾ÑÐ¾Ð³Ð¾, Ð±ÑÐ» Ð²ÑÑÐ²Ð»ÐµÐ½ Ð´ÐµÑÐ¸ÑÐ¸Ñ Ð¸ Ð¸Ð·Ð±ÑÑÐ¾Ðº Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸ ÐÐÐ Â«ÐÐ¢ÐÂ» Ð½Ð° Ð¾Ð¿ÑÐµÐ´ÐµÐ»ÐµÐ½Ð½ÑÑ ÑÑÐ¾ÐºÐ°Ñ Ð²Ð¾ÑÑÑÐµÐ±Ð¾Ð²Ð°Ð½Ð¸Ñ Ð¸ Ð¿Ð¾Ð³Ð°ÑÐµÐ½Ð¸Ñ. ÐÑÐ»Ð¾ ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐ°Ð½Ð¾ Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ðµ Ð¿Ð¾ ÑÐ½Ð¸Ð¶ÐµÐ½Ð¸Ñ Ð¸Ð·Ð±ÑÑÐºÐ° Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸, Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½Ñ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐµ Ð¸ Ð´ÐµÐ¿Ð¾Ð·Ð¸ÑÐ½ÑÐµ Ð¿ÑÐ¾Ð´ÑÐºÑÑ ÐÐÐ Â«ÐÐ¢ÐÂ», Ð¾Ð±Ð¾ÑÐ½Ð¾Ð²Ð°Ð½Ð° ÑÐºÐ¾Ð½Ð¾Ð¼Ð¸ÑÐµÑÐºÐ°Ñ ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÑ Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ñ. Ð ÐµÐ°Ð»Ð¸Ð·Ð°ÑÐ¸Ñ Ð¼ÐµÑ Ð¿Ð¾ Ð¿Ð¾Ð²ÑÑÐµÐ½Ð¸Ñ ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÐ¸ ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÑÑ Ð¿ÑÐ¸Ð²ÐµÐ´ÐµÑ Ðº ÑÐ½Ð¸Ð¶ÐµÐ½Ð¸Ñ Ð¸Ð·Ð±ÑÑÐ¾ÑÐ½Ð¾Ð¹ Ð»Ð¸ÐºÐ²Ð¸Ð´Ð½Ð¾ÑÑÐ¸ Ð¸ Ð¿Ð¾Ð²ÑÑÐµÐ½Ð¸Ñ ÑÐ¸ÑÑÐ¾Ð¹ Ð¿ÑÐ¸Ð±ÑÐ»Ð¸ ÐÐÐ Â«ÐÐ¢ÐÂ».
description: The object of the research is PAO Â«VTBÂ» Bank (Public Joint Stock Company). The purpose of the final qualification work is to develop measures to improve the liquidity management of PAO Â«VTBÂ». The roles and functions of commercial banks in the country's economy, the essence of the concept of liquidity were considered. Methods for assessing the liquidity of a commercial bank have been studied. The analysis of the financial condition, liquidity, and solvency of PAO Â«VTBÂ» was carried out. The factors influencing the liquidity of a commercial bank are identified. A GAP-analysis was carried out, according to the results of which, a deficit and excess of liquidity of PAO Â«VTBÂ» was revealed at certain periods of demand and repayment. An action was developed to reduce excess liquidity, credit, and deposit products of PAO Â«VTBÂ» were analyzed, and the economic efficiency of the event was substantiated. The implementation of measures to improve the efficiency of liquidity management will lead to a decrease in excess liquidity and an increase in the net profit of PAO Â«VTBÂ».