{"id":140774,"date":"2026-06-04T17:12:55","date_gmt":"2026-06-04T21:12:55","guid":{"rendered":"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/risk\/three-forces-reshaping-bank-liquidity-and-risk-management\/"},"modified":"2026-06-09T16:54:56","modified_gmt":"2026-06-09T20:54:56","slug":"three-forces-reshaping-bank-liquidity-and-risk-management","status":"publish","type":[3762],"link":"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/risk\/three-forces-reshaping-bank-liquidity-and-risk-management\/","title":{"rendered":"Three forces reshaping bank liquidity and risk management"},"content":{"rendered":"<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-compact row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-6aaaaf2ca59d9'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-7\"\n    style=\"\"\n    >\n    <p><div\n    class=\"bbg-spacer bbg-spacer--lg\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p class=\"small\"><strong><span style=\"font-size: 14px; letter-spacing: 1px; color: #0062dd;\">ARTICLE<\/span><\/strong><\/p>\n\n<\/div>\n<div\n    class=\"bbg-spacer bbg-spacer--sm\"\n    >\n<\/div>    <h1 class=\"bbg-metadata bbg-metadata--title\">Three forces reshaping bank liquidity and risk management<\/h1>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 50px !important\"\n    >\n<\/div>    <ul class=\"bbg-categories_list\">\n                    <li>\n                <a href=\"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/category\/markets\/\" rel=\"category tag\">\n                    Markets\n                <\/a>\n            <\/li>\n                    <li>\n                <a href=\"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/category\/risk\/\" rel=\"category tag\">\n                    Risk\n                <\/a>\n            <\/li>\n                    <li>\n                <a href=\"https:\/\/professional.content.cirrus.bloomberg.com\/professional2023\/insights\/category\/trading\/\" rel=\"category tag\">\n                    Trading\n                <\/a>\n            <\/li>\n            <\/ul>\n<\/p>\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-5\"\n    style=\"\"\n    >\n    <div id=\"\" class=\"wpb_content_element bbg-single-image align-left\">\n    <figure class=\"bbg-single-image__figure\" style=\"max-width:100%\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/394408763.jpg\" class=\"bbg-single-image__image attachment-full\" alt=\"\" title=\"Three forces reshaping bank liquidity and risk management  ECB Says Rates Likely to Rise Above Market Expectations Frost on windows of the European Central Bank (ECB) headquarters in Frankfurt, Germany, on Thursday, Dec. 15, 2022. ECB Governing Council member Madis Muller said interest rates will likely rise above levels anticipated by markets as the economic slowdown isn&#039;t enough to curb inflation as needed. Photographer: Alex Kraus\/Bloomberg, building\" srcset=\"https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/394408763.jpg 800w, https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/394408763.jpg 552w, https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/394408763.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\n        \n            <\/figure>\n<\/div>\n\n\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-6aaaaf2cb20c3'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-6 bbg-column--m-width-6\"\n    style=\"\"\n    >\n    <p>    <p class=\"bbg-metadata bbg-metadata--date\">June 4, 2026<\/p>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><strong>Bloomberg Professional Services<\/strong><\/p>\n\n<\/div>\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-2 bbg-column--valign-middle bbg-column--m-width-2 bbg-column--s-padding-right-2\"\n    style=\"\"\n    >\n    <div class=\"bb-tts\"\n\tdata-selector=\"main\"\n\tdata-label=\"Speak this page\"\n\tdata-custom-play=\"Play\"\n\tdata-custom-pause=\"Pause\"\n\tdata-custom-stop=\"Stop\"\n\tdata-overlay=\"false\"\n\tdata-invert=\"false\"\n\tdata-no-time=\"false\"\n\tdata-no-button-text=\"false\"\n\tdata-one-button=\"true\"\n\tdata-one-style=\"true\"\n\tdata-hide-stop=\"true\"\n\tdata-voice=\"Gordon\"\n\tdata-pitch=\"1\"\n\tdata-speed=\"1\"\n\tdata-align=\"flex-start\"\n>\n<\/div>\n\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-compact bbg-row--full-bg-bleed\" data-anchor='row-6aaaaf2cb5121'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8 bbg-column--has-bg-color\"\n    style=\"background-color:#e6f3ff;border-radius: 16px 16px 16px 16px;\"\n    >\n    <div class=\"wpb_content_element bbg-card  bbg-card-custom bbg-card-text-black\" id=\"card_1\" data-card_type=\"no_image\">\n      <style>#card_1 .bbg-card__innerwrapper {background-color: #e6f3ff;}#card_1 .bbg-card__innerwrapper {\n\tborder: 1px solid #e6f3ff !important;\n\t}#card_1:hover .bbg-card__innerwrapper {\n\tborder: 1px solid #e6f3ff !important;\n\t}#card_1 .bbg-card__innerwrapper {\n\tpadding: calc(var(--brand-large-padding, 40px) - 1px) !important;\n\t}#card_1 .bbg-card__innerwrapper .bbg-card__title {\n\tcolor: #000000 !important;\n\t}#card_1 .bbg-card__innerwrapper .bbg-card__content,#card_1 .bbg-card__innerwrapper .bbg-card__content p  {\n\tcolor: #000000 !important;\n\t}#card_1.bbg-card_hasImage .bbg-card__innerwrapper{padding-top: calc(var(--brand-default-padding, 16px) - 1px);padding-left: calc(var(--brand-default-padding, 16px) - 1px);padding-right: calc(var(--brand-default-padding, 16px) - 1px);}<\/style>\n  \n  \n  <div class=\"bbg-card__innerwrapper\">\n    <div class=\"bbg-card__content\">\n      \n              <div class=\"bbg-card__eyebrow\" style=\"color: #000000\">KEY TAKEAWAYS<\/div>\n      \n      \n              <div class=\"bbg-card__wysiwyg bb-wysiwyg\"><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"35\" data-list-defn-props=\"{&quot;335551500&quot;:14884997,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Three forces\u00a0\u2013 spreads,\u00a0speed\u00a0and optimization \u2013\u00a0are reshaping how banks think about liquidity,\u00a0and together they mark a shift from passive\u00a0defense\u00a0to active balance sheet management.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"35\" data-list-defn-props=\"{&quot;335551500&quot;:14884997,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Regulators are focusing less on how much liquidity banks hold and more on whether they can access and deploy it quickly across entities,\u00a0currencies\u00a0and markets.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"35\" data-list-defn-props=\"{&quot;335551500&quot;:14884997,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">AI and tokenization can improve decision-making and efficiency, but they also remove time buffers, increase\u00a0complexity\u00a0and expose weak data and governance foundations.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>\n<\/div>\n          <\/div>\n\n      <\/div>\n\n  <\/div>\n\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-compact row-padding--bottom-compact bbg-row--full-bg-bleed\" data-anchor='row-6aaaaf2cb85e2'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><span class=\"TextRun SCXW194995969 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW194995969 BCX0\">Liquidity risk is accelerating as faster-moving capital, evolving regulation and technological change force treasurers to rethink the foundations of risk management.<\/span><\/span><\/p>\n\n<\/div>\n\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-6aaaaf2cba261'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-3\"\n    style=\"\"\n    >\n    <p><div\n    class=\"bbg-spacer bbg-spacer--sm\"\n    >\n<\/div><hr class=\"bbg-separator bbg-separator-1\" style=\"height:1px;\" \/>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 32px !important\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p class=\"small\"><strong><span style=\"font-size: 14px; letter-spacing: 1px;\">RELATED PRODUCTS<\/span><\/strong><\/p>\n\n<\/div>\n\n<div\n  id=\"cta_1711941982320156402\"\n  class=\"wpb_content_element bbg-cta no-icon\">\n  <style>\n    \n    \n    \n  <\/style>\n  <div\n    class=\"bbg-cta-link link-holder\"\n    data-links-type=\"cta-links\">\n    <p class=\"bbg-cta-p left\">\n      <a\n        class=\"bbg-cta-link link\"\n        href=\"https:\/\/professional.bloomberg.com\/solutions\/treasury\/banks\/\"\n        target=\"\"\n        rel=\"\"\n        data-section-name=\"Treasury Solutions for Banks\"\n        >\n                      Treasury Solutions for Banks\n                <\/a>\n    <\/p>\n  <\/div>\n<\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 32px !important\"\n    >\n<\/div>\n<div\n  id=\"cta_130850911862129528\"\n  class=\"wpb_content_element bbg-cta no-icon\">\n  <style>\n    \n    \n    \n  <\/style>\n  <div\n    class=\"bbg-cta-link link-holder\"\n    data-links-type=\"cta-links\">\n    <p class=\"bbg-cta-p left\">\n      <a\n        class=\"bbg-cta-link link\"\n        href=\"https:\/\/professional.bloomberg.com\/solutions\/sales-trading\/capital-markets-risk\/\"\n        target=\"\"\n        rel=\"\"\n        data-section-name=\"Capital Markets Risk\"\n        >\n                      Capital Markets Risk\n                <\/a>\n    <\/p>\n  <\/div>\n<\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 32px !important\"\n    >\n<\/div><hr class=\"bbg-separator bbg-separator-1\" style=\"height:1px;\" \/>\n<\/p>\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-1\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-6\"\n    style=\"\"\n    >\n    <div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><span class=\"NormalTextRun SCXW194995969 BCX0\">At<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">\u00a0Bloomberg\u2019s Global Markets &amp; Banking Summit in\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">London\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">in May<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">, banking leaders<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">shared<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">how\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">their firms<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">\u00a0are strengthening liquidity and risk frameworks<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">and\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">how they can balance\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">AI\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">adoption\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">and tokeni<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">z<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">ation\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">with control, ensuring efficiency gains\u00a0<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">don\u2019t<\/span><span class=\"NormalTextRun SCXW194995969 BCX0\">\u00a0come at the expense of resilience.<\/span><\/p>\n\n<\/div>\n\n\n<\/div><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-none row-padding--bottom-none bbg-row--margin-top-compact bbg-row--margin-bottom-compact bbg-row--full-bg-bleed\" data-anchor='row-6aaaaf2cbe399'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <div\n    class=\"bbg-column\"\n    style=\"\"\n    >\n    <div class=\"bbg-interstitial\" aria-label=\"interstitial\" tabindex=\"0\">\n\t<style>\n\t\t.bbg-interstitial #card_2.bbg-card_hasCta{\n\t\t\tbackground: url(https:\/\/assets.bbhub.io\/image\/v1\/resize?width=auto&amp;type=webp&amp;url=https:\/\/assets.bbhub.io\/professional\/sites\/41\/Interstitial_bg.png);\n\t\t\t\tbackground-repeat: no-repeat;\n\t\t\t\tbackground-position: center center;\n\t\t\t\tbackground-size: cover;\n\t\t\tpadding: 104px;\n\t\t\t\n\t\t\t\n\t\t}\n\t\t.bbg-interstitial #card_2.bbg-card_hasCta .bbg-card__content, .bbg-interstitial #card_2.bbg-card_hasCta .bbg-card__content p{\n\t\t\tcolor:white;\n\t\t}\n\t\t@media (max-width: 768px) {\n\t\t\t.bbg-interstitial #card_2.bbg-card_hasCta{\n\t\t\t\tpadding: 80px 32px;\n\t\t\t}\n\t\t}\n\t\t@media (max-width: 480px) {\n\t\t\t.bbg-interstitial #card_2.bbg-card_hasCta{\n\t\t\t\tpadding: 80px 18px;\n\t\t\t}\n\t\t}\n\t<\/style>\n\t<div class=\"wpb_content_element bbg-card  bbg-card-dark bbg-card_hasCta has_interstitial\" id=\"card_2\" data-card_type=\"no_image\">\n  \n  \n  <div class=\"bbg-card__innerwrapper\">\n    <div class=\"bbg-card__content\">\n      \n      \n                      <h3 class=\"bbg-card__title\">What matters most in markets today?<\/h3>\n      \n              <div class=\"bbg-card__wysiwyg bb-wysiwyg\"><p>Get the latest insights, outlooks, webinars and more with Bloomberg newsletters.<\/p>\n<\/div>\n          <\/div>\n\n          \n<div\n  id=\"cta_2477005515059594606\"\n  class=\"wpb_content_element bbg-cta icon icon-arrow\">\n  <style>\n    \n    \n    \n  <\/style>\n  <div\n    class=\"bbg-cta-link link-holder\"\n    data-links-type=\"cta-links\">\n    <p class=\"bbg-cta-p right\">\n      <a\n        class=\"bbg-cta-link link interstitial_cta\"\n        href=\"https:\/\/www.bloomberg.com\/professional\/insights\/newsletter\/\"\n        target=\"\"\n        rel=\"\"\n        data-section-name=\"\"\n                role=\"button\"\n        aria-label=\"Learn more\"\n        >\n                <\/a>\n    <\/p>\n  <\/div>\n<\/div>\n\n      <\/div>\n\n  <\/div>\n\n<\/div>\n\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <section class=\"bbg-row  text--black row-padding--top-compact row-padding--bottom-none bbg-row--full-bg-bleed\" data-anchor='row-6aaaaf2cc248c'>\n        \n        \n        <div\n            class=\"bbg-row--content\"\n                    >\n            \n            <p><div\n    class=\"bbg-column bbg-column--width-2\"\n    style=\"\"\n    >\n    \n<\/div><div\n    class=\"bbg-column bbg-column--width-8\"\n    style=\"\"\n    >\n    <div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<h2><span class=\"TrackedChange SCXW115786479 BCX0\"><span class=\"TextRun SCXW115786479 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW115786479 BCX0\">Enhancing liquidity: The next phase of risk management<\/span><\/span><\/span><span class=\"EOP TrackedChange SCXW115786479 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/h2>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><span data-contrast=\"none\">From jumbo IPOs\u00a0and\u00a0renewed issuance\u00a0to\u00a0geopolitical shocks\u00a0and rapid technological change, the operating environment for bank treasurers has rarely been more complex.\u00a0But\u00a0for all the moving parts, one\u00a0thing\u00a0remains\u00a0constant: liquidity is what brings banks down.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Before\u00a02008, that\u00a0<\/span><span data-contrast=\"none\">risk was\u00a0not yet fully\u00a0understood. Institutions ran thinner buffers, with\u00a0few\u00a0recent precedents\u00a0showing\u00a0how quickly funding could disappear. The\u00a02008\u00a0crisis forced a reset, with banks building\u00a0larger reserves, strengthening\u00a0oversight\u00a0and investing\u00a0heavily in measurement to ensure\u00a0they could\u00a0withstand periods of stress.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">That system delivered. But it was built to solve for one problem\u00a0\u2013\u00a0quantity\u00a0\u2013 and\u00a0the challenge has\u00a0now\u00a0evolved. As balance sheets\u00a0become\u00a0more fragmented, institutions are being forced to rethink not just how much liquidity they hold, but how they measure,\u00a0manage\u00a0and mobilize it.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Against this backdrop,\u00a0three forces are reshaping how banks\u00a0are approaching\u00a0liquidity:\u00a0spreads,\u00a0speed\u00a0and optimization. Together,\u00a0they mark a shift from passive\u00a0defense\u00a0to active balance sheet management.<\/span><\/p>\n\n<\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 24px !important\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<h2><span class=\"TextRun SCXW24719859 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW24719859 BCX0\" data-ccp-parastyle=\"heading 3\">The\u00a0<\/span><span class=\"NormalTextRun SCXW24719859 BCX0\" data-ccp-parastyle=\"heading 3\">three\u00a0<\/span><span class=\"NormalTextRun SCXW24719859 BCX0\" data-ccp-parastyle=\"heading 3\">forces<\/span><span class=\"NormalTextRun SCXW24719859 BCX0\" data-ccp-parastyle=\"heading 3\">\u00a0redefining liquidity<\/span><\/span><span class=\"EOP SCXW24719859 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><b><span data-contrast=\"none\">1. Spreads<\/span><\/b><\/p>\n<p><span data-contrast=\"none\">For years after the\u00a0financial crisis, liquidity portfolios were\u00a0characterized\u00a0by caution. With\u00a0negative\u00a0asset swaps and\u00a0compressed\u00a0returns, treasurers had little room\u00a0to do much beyond parking funds in cash. Liquidity was\u00a0simply\u00a0a cost of resilience.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Today, with\u00a0rising rates and the return of positive asset swaps,\u00a0liquidity portfolios\u00a0are\u00a0more active and\u00a0\u2013\u00a0\u00a0crucially\u00a0\u2013\u00a0more consequential.\u00a0Treasurers are once again balancing safety with return, turning liquidity from a passive buffer into a performance lever.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">2. Speed<\/span><\/b><\/p>\n<p><span data-contrast=\"none\">Liquidity is no longer\u00a0just about how\u00a0much sits on the balance sheet, but how quickly it can be mobilized.\u00a0Banks have always dealt in the business of trust, but now that trust\u00a0can erode within a matter of hours.\u00a0It\u00a0demands a move away from\u00a0static metrics towards\u00a0execution readiness.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">As the speed of liquidity stress becomes a systemic\u00a0<\/span><span data-contrast=\"none\">risk in its own right, the<\/span><span data-contrast=\"none\">risk, the<\/span><span data-contrast=\"none\">\u00a0burden of proof on banks is rising accordingly.\u00a0Banks\u00a0are expected to know\u00a0exactly where liquidity sits across entities,\u00a0currencies\u00a0and\u00a0jurisdictions,\u00a0and\u00a0demonstrate, in detail,\u00a0that they\u2019re able to deploy\u00a0that liquidity\u00a0in\u00a0compressed timelines.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The onus is also on\u00a0regulators to enable this\u00a0shift.\u00a0A lot of the\u00a0supporting infrastructure, particularly central bank processes,\u00a0remains\u00a0complex and slow, so bridging that gap will be critical.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">3. Optimization<\/span><\/b><\/p>\n<p><span data-contrast=\"none\">Traditionally, treasury functions treated liquidity,\u00a0capital\u00a0and funding as distinct disciplines, each managed\u00a0according\u00a0to its own constraints.\u00a0This siloed\u00a0approach is giving way to a more integrated model, with a focus on\u00a0how different resources interact\u00a0across the balance sheet,\u00a0and where efficiencies can be unlocked.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The goal is efficiency\u00a0as well as\u00a0safety: deploying capital and liquidity in a way that supports returns\u00a0for shareholders\u00a0while\u00a0maintaining\u00a0a strong defensive position.<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n\n<\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 24px !important\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<h2><span class=\"TextRun SCXW53953555 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW53953555 BCX0\" data-ccp-parastyle=\"heading 3\">AI as<\/span><span class=\"NormalTextRun SCXW53953555 BCX0\" data-ccp-parastyle=\"heading 3\">\u00a0<\/span><span class=\"NormalTextRun SCXW53953555 BCX0\" data-ccp-parastyle=\"heading 3\">an enabler<\/span><span class=\"NormalTextRun SCXW53953555 BCX0\" data-ccp-parastyle=\"heading 3\">, not a shortcut<\/span><\/span><span class=\"EOP SCXW53953555 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><span data-contrast=\"none\">AI is\u00a0starting\u00a0to deliver\u00a0practical\u00a0benefits for treasury functions, particularly in reducing decision latency. From\u00a0identifying\u00a0day-to-day variances to flagging anomalies, enhancing stress\u00a0testing\u00a0and strengthening early warning indicators,\u00a0AI is\u00a0proving useful in making faster, more informed decisions.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Execution\u00a0is a different story. AI\u00a0can\u2019t\u00a0yet\u00a0replace the underlying governance\u00a0required\u00a0to manage liquidity risk, from legal agreements to recovery planning and stress testing frameworks.\u00a0Only with\u00a0consistent, well-structured data,\u00a0can it underpin the process of making good decisions.\u00a0As\u00a0AI\u00a0use expands, so\u00a0does the need for\u00a0clear audit trails, explainable\u00a0outputs\u00a0and a human in the loop to\u00a0validate\u00a0decisions.<\/span><\/p>\n\n<\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 24px !important\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<h2><span class=\"TextRun SCXW57360631 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">Tokeni<\/span><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">z<\/span><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">ation and real-time finance<\/span><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">:<\/span><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">\u00a0<\/span><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">a<\/span><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">\u00a0<\/span><span class=\"NormalTextRun SCXW57360631 BCX0\" data-ccp-parastyle=\"heading 3\">double-edged sword<\/span><\/span><span class=\"EOP SCXW57360631 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><span data-contrast=\"none\">Tokenization and real-time finance promise\u00a0to strip out long-standing inefficiencies in how money moves through the system.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">By reducing settlement lag and enabling seamless transfers, these technologies offer clear benefits.\u00a0Features such as programmable payments and smart contracts could allow funds and collateral to move automatically, bringing treasury operations closer\u00a0in sync\u00a0with real-time markets\u00a0and client expectations.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But that efficiency comes with trade-offs.\u00a0The delays embedded in traditional settlement systems have long provided a liquidity buffer, giving treasurers time to\u00a0check and\u00a0reposition resources. As settlement becomes instantaneous, that window disappears. At the same time, new digital pathways\u00a0could\u00a0fragment liquidity across platforms, raising\u00a0the question of whether\u00a0inefficiencies\u00a0are\u00a0being removed,\u00a0or replaced with new forms of complexity.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ensuring liquidity is in the right place at the right time\u00a0remains\u00a0a key\u00a0objective. But delivering on it will become more demanding, as banks balance faster systems with the need to\u00a0maintain\u00a0control and resilience.<\/span><\/p>\n\n<\/div>\n<div\n    class=\"bbg-spacer\"\n        style=\"height: 24px !important\"\n    >\n<\/div><div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<h2><span class=\"TextRun SCXW91094968 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW91094968 BCX0\" data-ccp-parastyle=\"heading 3\">Prepared,\u00a0<\/span><span class=\"NormalTextRun SCXW91094968 BCX0\" data-ccp-parastyle=\"heading 3\">but\u00a0<\/span><span class=\"NormalTextRun SCXW91094968 BCX0\" data-ccp-parastyle=\"heading 3\">not protected<\/span><\/span><\/h2>\n\n<\/div>\n<div\n\tclass=\"bb-wysiwyg\"\n\t\t>\n\t<p><span data-contrast=\"none\">Resilience is defined by how effectively liquidity can be moved when it matters most.\u00a0With this,\u00a0the role of treasury is evolving from buffer manager to real-time risk operator.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The banking system\u00a0may be\u00a0more resilient than in 2008,\u00a0but\u00a0it\u2019s\u00a0not immune.\u00a0Risk factors are\u00a0clear to see, and we\u00a0don\u2019t\u00a0know what the next crisis will look like\u00a0\u2013\u00a0but we can be sure it will move\u00a0faster.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The job of\u00a0the\u00a0treasury is to make sure banking institutions are\u00a0prepared\u00a0to\u00a0identify\u00a0stresses and\u00a0step in\u00a0when\u00a0it\u2019s\u00a0time to\u00a0support clients and the economy<\/span><\/p>\n\n<\/div>\n\n<\/div>\n\n\n                    <\/div>\n    <\/section>\n<\/div>\n\n<div  class=\"bbg-row-container\">\n    <style>section[data-anchor=row-6aaaaf2cc7925]::before {\n\t\t\t\tbackground-color: #f4f4f9;\n\t\t\t}<\/style>\n    <section class=\"bbg-row bg--custom-color  bg--f4f4f9 text--black 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Learn how banking execs are responding to the forces impacting liquidity while strengthening resilience.<\/p>\n","protected":false},"author":2062,"featured_media":92130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"template-article.php","format":"standard","meta":{"_yoast_wpseo_primary_category":"469","footnotes":""},"categories":[453,469,444],"tags":[747,3839],"series":[],"class_list":["post-140774","post","type-post","status-publish","format-standard","hentry","category-markets","category-risk","category-trading","tag-sell-side","tag-sellside_2026","type-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Three forces reshaping bank liquidity and risk management | Insights | Bloomberg Professional Services<\/title>\n<meta name=\"description\" content=\"Banks are rethinking liquidity management as regulation, technology and market dynamics reshape risk. 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