{"id":25476,"date":"2024-11-12T09:00:00","date_gmt":"2024-11-12T13:00:00","guid":{"rendered":"https:\/\/gestionderiesgo.org\/?p=25476"},"modified":"2026-10-12T21:02:42","modified_gmt":"2026-10-13T01:02:42","slug":"ecb-sound-practices-for-managing-intraday-liquidity-risk","status":"publish","type":"post","link":"https:\/\/gestionderiesgo.org\/en\/ecb-sound-practices-for-managing-intraday-liquidity-risk\/","title":{"rendered":"Sound practices for managing intraday liquidity risk"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" 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.cgp-cover.cgp-doc{aspect-ratio:4\/3}#cgr-pub .cgp-head{grid-template-columns:minmax(0,1fr);gap:26px}#cgr-pub .cgp-body{grid-template-columns:minmax(0,1fr);gap:30px}#cgr-pub .cgp-side{position:static}}\n@media(max-width:520px){#cgr-pub{font-size:16px}#cgr-pub .cgp-facts{grid-template-columns:minmax(0,1fr)}#cgr-pub .cgp-btn{width:100%;justify-content:center}}\n<\/style>\n<div id=\"cgr-pub\">\n<header class=\"cgp-head\">\n<figure class=\"cgp-cover cgp-doc\"><i style=\"background-image:url(https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-ecb-sound-practices-for-managing-intraday-liquidity-risk-1.jpg?v=1791455975)\"><\/i><img fetchpriority=\"high\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-ecb-sound-practices-for-managing-intraday-liquidity-risk-1.jpg?v=1791455975\" width=\"720\" height=\"1018\" alt=\"Primera p\u00e1gina del documento: Sound practices for managing intraday liquidity risk\" loading=\"eager\" decoding=\"async\"><\/figure>\n<div class=\"cgp-intro\">\n<p class=\"cgp-kind\">Guide \u00b7 Supervisor<\/p>\n<h2 class=\"cgp-title\">Sound practices for managing intraday liquidity risk<\/h2>\n<p class=\"cgp-lead\">The ECB distinguishes between fundamental practices and aspirational practices for managing liquidity within the day.<\/p>\n<dl class=\"cgp-facts\"><div><dt>Organization<\/dt><dd>ECB Banking Supervision<\/dd><\/div><div><dt>Document date<\/dt><dd>November 2024<\/dd><\/div><div><dt>Type<\/dt><dd>Guide<\/dd><\/div><div><dt>Language<\/dt><dd>English<\/dd><\/div><div><dt>Scope<\/dt><dd>Euro area<\/dd><\/div><div><dt>Length<\/dt><dd>13 pages<\/dd><\/div><\/dl>\n<div class=\"cgp-actions\"><a class=\"cgp-btn\" href=\"https:\/\/www.bankingsupervision.europa.eu\/ecb\/pub\/pdf\/ssm.Sound_practices_for_managing_intraday_liquidity_risk_202411~aec6d34ffa.en.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l5 5v12a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V4a1 1 0 0 1 1-1z\"\/><path d=\"M14 3v5h5\"\/><path d=\"M9 14h6\"\/><path d=\"M9 17h4\"\/><\/svg>Official document (PDF)<\/a><\/div>\n<\/div>\n<\/header>\n<div class=\"cgp-body\">\n<div class=\"cgp-main\">\n<h3>What it contains<\/h3>\n<p>After the 2023 stress episodes, which culminated in the failure of Credit Suisse, and with innovations such as 24\/7 instant payments and shorter settlement cycles, the ECB carried out a thematic review of intraday liquidity and identified specific practices. They build on international standards: the Basel Principles for Sound Liquidity Risk Management and Supervision (principle 8 addresses intraday liquidity), the Basel monitoring tools for intraday liquidity management, the EBA guidelines on ILAAP information and the ECB Guide to ILAAP.<\/p><p>The practices are grouped into seven principles: risk management framework, governance, forecasting, monitoring, management of outflows, sources of liquidity and stress testing. Each one distinguishes between key practices, commonly observed in the institutions reviewed and considered fundamental, and examples of good practice, more advanced and observed in individual institutions, which are aspirational. The framework calls, for example, for clearly defining intraday liquidity risk and distinguishing it from the end-of-day concept, defining and regularly reviewing material sources of risk, formalising policies with roles and responsibilities, measuring the risk within risk appetite with review by the second line of defence, and having alerts, early warning indicators and sufficient staff across the three lines of defence.<\/p><p>The document recalls that Article 86 of the Capital Requirements Directive (CRD) requires robust strategies, policies, processes and systems to identify, measure, manage and monitor liquidity risk over horizons that include intraday, and that implementation must be tailored to each situation under the principle of proportionality. It places particular emphasis on managing liquidity in all currencies, including non-material ones.<\/p>\n<section class=\"cgp-importa\"><h3>Why it matters for risk management<\/h3><p>It is a useful checklist for institutions with operations in real-time payment systems or with positions in several currencies. It is written for banks supervised by the ECB and rests on European regulation; its adaptation to other jurisdictions should follow criteria of proportionality.<\/p><\/section>\n<p class=\"cgp-note\">Summary prepared by the Dominican Republic Risk Management Club from a reading of the original document, with the source verified on 7 October 2026. It does not replace reading the official text and is not advice.<\/p>\n<p class=\"cgp-back\"><a href=\"\/en\/publicaciones\/\">See all publications<\/a><\/p>\n<\/div>\n<aside class=\"cgp-side\">\n<section class=\"cgp-card\"><h3>Key points<\/h3><ul class=\"cgp-points\"><li>Seven principles: framework, governance, forecasting, monitoring, outflows, sources of liquidity and stress testing.<\/li><li>It distinguishes key practices (fundamental) from examples of good practice (aspirational).<\/li><li>It arises from an ECB thematic review after the 2023 banking stress.<\/li><li>It asks to define intraday liquidity differently from end-of-day liquidity and to measure it within risk appetite.<\/li><li>It must be applied proportionately and cover all currencies, including non-material ones.<\/li><\/ul><\/section>\n<section class=\"cgp-card\"><h3>How to cite it<\/h3><p class=\"cgp-cite\">European Central Bank, Banking Supervision (2024). Sound practices for managing intraday liquidity risk. Frankfurt: ECB, November 2024.<\/p><\/section>\n<section class=\"cgp-card\"><h3>Topics<\/h3><ul class=\"cgp-chips\"><li><a href=\"\/en\/publicaciones\/?tema=riesgo-de-mercado-y-liquidez\">Market and liquidity risk<\/a><\/li><li><a href=\"\/en\/publicaciones\/?tema=riesgos-operacionales-y-emergentes\">Operational and emerging risks<\/a><\/li><\/ul><\/section>\n<\/aside>\n<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Zilla+Slab:wght@500;600&display=swap\">\n<footer id=\"cgr-foot\" aria-label=\"Footer of the Risk Management Club\">\n<style>\n#main{padding-bottom:0!important}\n.fusion-fullwidth:has(#cgr-foot),.fusion-layout-column:has(#cgr-foot){padding-bottom:0!important;margin-bottom:0!important}\n#cgr-foot{--navy:#0E3351;--blue:#186392;--web:#1A80B6;--red:#E22A3A;--ink:#1C2632;--slate:#5B6775;--line:#D9E1EA;--mist:#F2F5F8;\n  position:relative;margin:96px 0 0;padding:0;background:var(--mist);box-shadow:0 0 0 100vmax 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All rights reserved.<\/p><\/div>\n  <nav class=\"cgf-pol\" aria-label=\"Policies\">\n    <a href=\"\/en\/politicasdeprivacidad\/\">Privacy<\/a><a href=\"\/en\/terminos-y-condiciones-2\/\">Terms and Conditions<\/a><a href=\"\/en\/politicas-de-entrega\/\">Delivery<\/a><a href=\"\/en\/politicas-de-cancelacion\/\">Cancellation<\/a><a href=\"\/en\/politicas-de-devolucion\/\">Returns<\/a><a href=\"\/en\/politicas-de-reembolso\/\">Refunds<\/a><a href=\"\/en\/politicas-de-seguridad\/\">Security<\/a><a href=\"\/en\/preguntas-frecuentes\/\">Frequently asked questions<\/a>\n  <\/nav>\n<\/div>\n<\/footer>\n\n<style>#cgr-foot .cgf-ct li a.cgf-wa{display:inline-flex;vertical-align:middle;margin-left:8px}#cgr-foot .cgf-ct li a.cgf-wa svg{width:18px;height:18px;margin:0;fill:#25D366;stroke:none}<\/style><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Seven ECB principles with key practices and examples of good practice for managing intraday liquidity risk, arising from a thematic review after the 2023 stress and 24\/7 instant payments.<\/p>","protected":false},"author":1,"featured_media":25574,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"cgp_org":"Supervisi\u00f3n Bancaria del Banco Central Europeo","cgp_siglas":"BCE","cgp_tipo":"Gu\u00eda","cgp_fecha":"2024-11-12","cgp_url":"https:\/\/www.bankingsupervision.europa.eu\/ecb\/pub\/pdf\/ssm.Sound_practices_for_managing_intraday_liquidity_risk_202411~aec6d34ffa.en.pdf","cgp_pdf":"https:\/\/www.bankingsupervision.europa.eu\/ecb\/pub\/pdf\/ssm.Sound_practices_for_managing_intraday_liquidity_risk_202411~aec6d34ffa.en.pdf","cgp_idioma":"Ingl\u00e9s","cgp_pais":"Zona euro","cgp_temas":"Riesgo de mercado y liquidez,Riesgos operacionales y emergentes","cgp_portada":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-ecb-sound-practices-for-managing-intraday-liquidity-risk-1.jpg","cgp_verificado":"2026-10-07","cgp_origen":"migrada","cgp_fuente":"Supervisor","cgp_paginas":"13","cgp_autores":"","cgp_fecha_texto":"Noviembre de 2024","cgp_portada_tipo":"doc","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-25476","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publicaciones-del-sector"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-ecb-sound-practices-for-managing-intraday-liquidity-risk-1.jpg","_links":{"self":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/comments?post=25476"}],"version-history":[{"count":5,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25476\/revisions"}],"predecessor-version":[{"id":26328,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25476\/revisions\/26328"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media\/25574"}],"wp:attachment":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media?parent=25476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/categories?post=25476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/tags?post=25476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}