Analiza potencjalnych korzyści oraz negatywnych konsekwencji wdrożenia norm LCR oraz NSFR w bankach europejskich

• Authors: Paweł Niedziółka
• Languages of publication: PL

Abstracts

PL

The introduction of liquidity ratios on the banking sector and the real economywill lead to adaptation of the banks. Mismatch between the maturity of assets andliabilities will be subject to reduction. These shifts in the banks’ balance sheetsmay result in diminishing profitability of banks as long as the cost of maintainingadditional capital and balance sheet structure changes will not be passed on to customers. Another consequence may be an impediment to access of nonfinancialentities to long-term financing. Thus, increased cost of credit and reductionof its availability in the short term will have negative impact on economicgrowth while introduction of liquidity standards and new capital requirementssignificantly reduces the probability of a banking crisis, which compensates forinterim and slight decrease in the growth rate.

Keywords

PL

liquidity risk, Basel III, LCR, NSFR, impact of the liquidity regulationson the banks

• Publisher: Szkoła Główna Handlowa w Warszawie
• Journal: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
• Year: 2015
• Volume: 3
• Issue: 1
• Pages: 207-226

Dates

published

2015-12-12

Contributors

author

Paweł Niedziółka

Identifiers

DOI

10.33119/KKESSiP.2015.1.3.13