Banke se u svom poslovanju susreću s rizikom likvidnosti, koji je jedan od najznačajnijih rizika jer može u kratkom roku izazvati velike probleme za banku te u konačnici i za bankovni sustav. Također rizik je koji se može pojaviti na strani aktive i pasive bilance banke. Stoga je zadatak svih banaka održavanje likvidnosti. Naime, banke u svakom trenutku trebaju biti u mogućnosti ispuniti zahtjeve svojih klijenata i deponenata. Potrebna sredstva za ispunjenje svojih obveza mogu pribaviti korištenjem pohranjenih i/ili kupljenih rezervi likvidnosti koje predstavljaju metode upravljanja rizikom likvidnosti. Zbog važnosti rizika, banke trebaju svakodnevno mjeriti izloženost riziku te imati adekvatnu politiku upravljanja likvidnošću koju određuje uprava. Sustav osiguranja depozita i diskontni prozor kao mehanizmi zaštite od rizika likvidnosti koriste se u sprječavanju navale na banke koja izaziva kolaps u bankovnom sustavu, a rezultat je velikog i neočekivanog odljeva depozita. Također, u studiji slučaja koja je provedena na primjeru dviju banaka u Republici Hrvatskoj, vidljivo je kako veličina banke nema velik utjecaj na pokazatelje likvidnosti jer i najmanja banka može imati dobre pokazatelje, tj. bilježiti manju izloženost riziku.

Banks meet in their business with liquidity risk, which is one of the most significant risk because it can, in short term, cause great problems for bank and ultimately also for banking system. Therefore the assignment of all banks is maintenance of liquidity. In fact banks should be able, in any moment, fulfill demands of their clients and depositors. Resources necessary to fulfill their obligations they can obtain using the stored and/or bought liquidity reserves that represent the methods of managing liquidity risk. Due to the importance of the risk, banks should measure daily exposure to the risk and have adequate policy of managing the liquidity determined by the administration. Insurance system of deposits and “discount window“ as mechanisms of protection against liquidity risk are used to prevent attack at the banks that can cause collapse in banking system, and is result of great and unexpected outflow of deposits. Also, in the case study that was conducted on the example of two banks in Croatia, it is evident that the bank size does not have a great impact on liquidity ratios because even the smallest bank can have good indicators, ie. it can record a lower risk exposure.