{"id":71455,"date":"2014-02-17T11:39:17","date_gmt":"2014-02-17T11:39:17","guid":{"rendered":"https:\/\/armbanks.am\/2014\/02\/17\/240267\/"},"modified":"2024-12-15T13:09:49","modified_gmt":"2024-12-15T13:09:49","slug":"liquidity-of-armenian-banks-much-higher-than-central-bank-requirement-review","status":"publish","type":"post","link":"https:\/\/armbanks.am\/en\/2014\/02\/17\/71455\/","title":{"rendered":"Liquidity of Armenian banks much higher than Central Bank requirement &#8211; Review"},"content":{"rendered":"<p><strong>YEREVAN, February 17. \/ARKA\/.<\/strong> Liquidity of Armenia\u2019s commercial banks is above the minimum requirement set by the Central Bank of Armenia, which is 15%.<\/p>\n<p>An analysis by ARKA based on Central Bank\u2019s review of banks for the fourth quarter of 2013 and information from banks shows two banks, Areximbank \u2013 Gazprombank Group and Armswissbank, provided a liquidity level of 40% or above \u2013 45.7% and 41.88% respectively.<\/p>\n<p>Four banks had their liquidity within 30%: BTA Bank \u2013 38.89%, HSBC Bank Armenia \u2013 34.7%, Armenian Development Bank \u2013 32.28% and Ameriabank \u2013 31.32%.<\/p>\n<p>Eleven banks have recorded liquidity within 15%: Ardshininvestbank \u2013 29.39%, Bank Prometey \u2013 28.89%, Byblos Bank Armenia \u2013 26.71%, ACBA-CREDIT AGRICOLE BANK \u2013 26.6%, Inecobank \u2013 26.52%, Armswissbank \u2013 21.41%, Artsakhbank \u2013 21.15%, Bank Anelik \u2013 21.10%, Unibank \u2013 20.12%, Bank VTB (Armenia) \u2013 17.24% and ProCredit Bank \u2013 16.19%.<\/p>\n<p>Liquidity levels of Araratbank and Bank Mellat as of the end of 2013 were 52.68% and 51.31% respectively.<\/p>\n<p>In banking, liquidity is the ability to meet obligations when they come due without incurring unacceptable losses. Managing liquidity is a daily process requiring bankers to monitor and project cash flows to ensure adequate liquidity is maintained. Maintaining a balance between short-term assets and short-term liabilities is critical. For an individual bank, clients&#8217; deposits are its primary liabilities (in the sense that the bank is meant to give back all client deposits on demand), whereas reserves and loans are its primary assets (in the sense that these loans are owed to the bank, not by the bank).<\/p>\n<p>There are 21 commercial banks with 485 branches operating in Armenia today.\u20130\u2014<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Liquidity of Armenia\u2019s commercial banks is above the minimum requirement set by the Central Bank of Armenia, which is 15%<\/p>\n","protected":false},"author":1,"featured_media":157094,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","tstyn_error":""},"categories":[9214,9216],"tags":[15837,12163,12361,1109],"class_list":{"0":"post-71455","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banks-en-en","8":"category-news","9":"tag-armenia-2","10":"tag-banks","11":"tag-cba","12":"tag-1109"},"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/posts\/71455","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/comments?post=71455"}],"version-history":[{"count":0,"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/posts\/71455\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/media\/157094"}],"wp:attachment":[{"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/media?parent=71455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/categories?post=71455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/armbanks.am\/en\/wp-json\/wp\/v2\/tags?post=71455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}