Liquidity Day 2 💧 Why bank runs still happen today. #Banking #Liquidity #finance
20 April 2026·1 min
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Welcome to Day 2 of the Industry Portal liquidity management course, where we explore the history of liquidity risk and why it still matters today.
In this session, we step back through decades of banking crises to understand how liquidity failures have shaped modern regulation, risk frameworks, and bank behaviour.
You will learn how classic bank runs emerged, why confidence is the single most important factor in liquidity stability, and how events across history — from early banking collapses to modern crises — reveal the same underlying vulnerabilities.
We explain how key turning points in financial history led to the development of central banking, lender of last resort principles, and deposit protection schemes. The session also explores how more recent events, including the Global Financial Crisis, transformed liquidity risk into a central focus of global regulation.
You will understand why frameworks such as Basel III, the Liquidity Coverage Ratio, and the Net Stable Funding Ratio were introduced, and how regulators in the UK and EU embedded liquidity into supervisory processes.
The video also connects past lessons to present day risks, showing why liquidity crises can still happen rapidly in a digital and interconnected financial system.
By the end of this session, you will understand why history is critical to understanding liquidity risk — and why the same patterns continue to repeat.
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Subscribe for the full liquidity management course.
#LiquidityManagement #Banking #FinancialCrisis #LiquidityRisk #BaselIII #LCR #NSFR #Finance #TheIndustryPortal
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