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EN
Requirements for banking supervision in shaping the liquidity underwent changes along with the events in the turbulent environment. Initially, they were optional. Banks were only obliged by the bank law to maintain market liquidity. Existing indicators were generally treated as those which size should be retained by the bank, however they were not obligatory. However, with the changes in the financial markets, as a form of protection from the financial crisis, they took the obligatory character, as prudential norms. The study carried out an analysis of the liquidity situation in the banking sector with total assets that at the end of each month in the last 12 months exceeded 200 million zloty, and not exceeding this amount. It was found that it is shaped on the correct level, and the number of banks which do not respect the Resolution 386/2008 is continuously decreasing.
PL
W opracowaniu zaprezentowano wyniki badań nas stabilnością depozytów gospodarstw domowych lokowanych w monetarnych instytucjach finansowych 16 krajów tzw. strefy euro. Jego celem jest ocena możliwości regulowania płynności podmiotów za pomocą jednolitych wspólnotowych rozwiązań (norm LCR i NSFR). Przedstawiono różnice w potencjale społeczeństw w zakresie kumulowania depozytów gwarantujących w opinii regulatora stabilność finansowania instytucji w warunkach zarówno normalnych, jak i skrajnych. Badano także przestrzenne zróżnicowanie preferencji gospodarstw domowych dotyczących terminu lokowania środków w zmiennych warunkach gospodarczych i finansowych. Wskazano siłę oddziaływania poszczególnych faz kryzysu finansowego na zmiany w wartościach gromadzonych w MIF depozytów.
EN
The paper presents the results of empirical research on the stability of household deposits lodged in the monetary financial institutions (MFIs) of euro area member states in the period 2006–2012. Its aim is to assess the effectiveness of liquidity regulations based on the common European standards (norms: LCR and NSFR). The paper presents the differences in the ability of the countries to accumulate the deposits which, in the opinion of the supervisory authorities, can guarantee the funding stability of the analysed entities under both normal and stressed conditions. It reveals geographical variations in household preferences regarding the duration and value of invested resources and also shows the diversity in the impact of the stages of the financial crisis on the changes in the value of the deposits taken by the Eurozone’s MFIs.
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