Large Bank Examination Workshop February 2026

Three Common Liquidity Tools

• Maturity Gap • Ratio Analysis • Cash Flow Modeling

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Simple Liquidity Gap Example

0-3 Months

3-12 Months

>1-Year

Total

Assets

0

0

$ 1,000,000

$ 1,000,000

Liabilities

$ (1,000,000)

0

0 $ (1,000,000)

Total Gap

$ (1,000,000)

0

$ 1,000,000

0

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© Global Financial Markets Institute Inc.

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