INCIDENTA RISCULUI DE LICHIDITATE
             IN DESFASURAREA ACTIVITATILOR BANCARE /
          INCIDENCE OF LIQUIDITY RISK IN BANKING ACTIVITY

Asist. univ. drd. Mariana Vlad, Universitatea „Stefan cel Mare” Suceava
marianav@seap.usv.ro

Abstract:
Liquidity is necessary for banks to compensate for expected and unexpected balance sheet and
fluctuations and to provide funds for growth. It represents a bank’s ability to efficiently
accommodate the redemptions of deposits and other liabilities and to cover funding increases in
loan and investment portfolio. A bank has adequate liquidity potential when it can obtain needed
funds promptly and at a reasonable cost.

Keywords: liquidity, bank, deposit, liability

JEL codes: G21