The banking system is a guarantee of the reliability of the entire monetary system of the country. The stability of the national economy and currency depends on the stability of the functioning of banks.

The activities of Ukrainian commercial banks are under the close supervision of the National Bank of Ukraine, in particular, indicators of capital adequacy and liquidity of banks are subject to control.

According to the provisions of the Law of Ukraine "On Banks and Banking Activity" and the Instruction "On the Procedure for Regulating the Activities of Banks in Ukraine" [1; 2], the National Bank of Ukraine (NBU) establishes the procedure for determining the bank's regulatory capital and such economic standards of liquidity, which are mandatory for all banks.

In 2019, with the adoption of NBU Resolution No. 102 dated August 1, 2019 "On Approval of Amendments to Certain Regulatory Acts of the National Bank of Ukraine", the economic standards of current liquidity (H5) and short-term liquidity (H6) were excluded and new liquidity standards were introduced:

- liquidity coverage ratio (LCR) for all in Aleutians (LCRBB) and in foreign currency (LCRIB);

- net stable funding ratio (NSFR).

The liquidity coverage ratio (LCR) is a liquidity standard that establishes the minimum required level of liquidity to cover the net expected outflow of funds within 30 calendar days, taking into account the stress scenario [2].

The bank calculates the liquidity coverage ratio (LCR) daily as the ratio of high-quality liquid assets to the net expected cash outflow [2].

The bank determines the expected outflows and expected inflows of funds using the coefficients of expected outflows and expected inflows established by the National Bank on the basis of the stress scenario.

The Bank calculates the liquidity coverage ratio (LCR) in accordance with the Methodology for calculating the liquidity coverage ratio (LCR) established by the National Bank [2].

Normative values of the liquidity coverage ratio (LCR) for all currencies (LCR _BB ) and in foreign currency (LCR _IB ) must not be less than:

- 80 percent for the liquidity coverage ratio (LCR) for all currencies (LCR _BB ) and 50 percent for the liquidity coverage ratio (LCR) in foreign currency (LCR _IB ) - starting from December 31, 2018;

- 90 percent - starting from June 1, 2019;

- 100 percent - starting from December 1, 2019.

To the bank, the arithmetic mean value of the ratio of liabilities in foreign currency to all liabilities of the bank, calculated over the last 30 calendar days, which is less than 5%, the normative value established for the liquidity coverage ratio (LCR) in foreign currency (LCR _IB ) , is not applicable [2].

The net stable funding ratio (NSFR) is a liquidity standard that establishes the minimum required level of stable funding sufficient to ensure financing of the bank's activities over a one-year horizon [2].

The bank calculates the net stable funding ratio (NSFR) as the ratio of the amount of available stable funding (ASF) to the amount of required stable funding (RSF) [2].

The bank calculates the volume:

1) available stable financing (ASF) as the sum of ASF components (regulatory capital and liabilities), weighted by the ASF coefficients established by the National Bank, which reflect their level of stability over a one-year horizon;

2) required stable financing (RSF) as the sum of RSF components (assets and off-balance sheet liabilities), weighted by the RSF coefficients established by the National Bank, which characterize their liquidity over a one-year horizon.

The Bank calculates the net stable funding ratio (NSFR) in accordance with the Methodology for calculating the net stable funding ratio (NSFR) established by the National Bank.

Normative values of the Net Stable Funding Ratio (NSFR) should not be less than:

- 80 percent - starting from April 1, 2021;

- 90 percent - starting from October 1, 2021;

- 100 percent - starting from April 1, 2022.