LogoRegulatory Alerts
2017-07-06

Central Bank of Myanmar Liquidity Ratio Requirement Regulation

The Central Bank of Myanmar issues the Liquidity Ratio Requirement Regulation, mandating all banks to maintain a minimum 20% liquidity ratio at all times. Financial institutions must calculate their daily net liquid assets against volatile liabilities and submit weekly average reports using the prescribed CBM worksheet. Non-compliance triggers administrative penalties under existing banking laws, while the regulation immediately supersedes the 1995 CBM Instruction No. 4 and takes effect upon issuance.

Central Bank of Myanmar logo

Myanmar

Central Bank of Myanmar

Click to view thumbnail

Liquidity Ratio(Myan Ver)(6-7-2017)-5 ￾ပည￾￾ထ￾င￾စ￾သမ￾တ￾မန￾မ￾￾￾￾င￾င￾￾တ￾￾ ￾မန￾မ￾￾￾￾င￾င￾￾တ￾￾ဗဟ￾￾ဘဏ￾ အမ￾န￾ ￾￾￾က￾￾￾င￾စ￾အမ￾တ￾ ၁၉/၂၀၁၇ ၁၃၇၉ ခ￾￾￾စ￾၊ ဝ￾ဆ￾￾လဆန￾￾ ၁၄ ရက￾ (၂၀၁၇ ခ￾￾￾စ￾၊ ဇ￾လ￾￾င￾လ ၇ ရက￾)

￾မန￾မ￾￾￾￾င￾င￾￾တ￾￾ဗဟ￾￾ဘဏ￾သည￾ ￾င￾￾ရ￾￾￾က￾￾ရ￾အဖ￾￾ ￾အစည￾￾မ￾￾￾ဥပ￾ဒ ပ￾ဒ￾မ ၃၆ ￾￾င￾￾ ၁၈၄၊ ￾မန￾မ￾￾￾￾င￾င￾￾တ￾￾ဗဟ￾￾ဘဏ￾ဥပ￾ဒပ￾ဒ￾မ ၄၉ ￾￾င￾￾ ၅၀ တ￾￾ ￾အရ ဘဏ￾မ￾￾￾လ￾￾က￾န￾￾ဆ￾င￾ရ￾က￾ရန￾ ￾အ￾က￾ပ￾စည￾￾မ￾￾￾￾က￾￾ ထ￾တ￾￾ပန￾လ￾￾က￾သည￾။ ၁။ ဤစည￾￾မ￾￾￾￾က￾￾ ￾င￾￾￾က￾လ￾ယ￾က￾မ￾အခ￾￾￾￾ သတ￾မ￾တ￾ခ￾က￾ဆ￾￾င￾ရ￾စည￾￾မ￾￾￾￾ဟ￾ ￾ခ￾တ￾င￾￾စရမည￾။ ၂။ ဤစည￾￾မ￾￾￾￾သည￾ ဘဏ￾မ￾￾￾အ￾￾လ￾￾￾￾￾င￾￾သက￾ဆ￾￾င￾￾စရမည￾။ ၃။ ဘဏ￾သည￾ ￾င￾￾￾က￾လ￾ယ￾က￾မ￾အခ￾￾￾￾အ￾￾ အနည￾￾ဆ￾￾￾ ၂၀% ထ￾￾ရ￾￾ရမည￾။ ၄။ ဘဏ￾သည￾ မ￾မ￾၏ ￾င￾￾￾က￾လ￾ယ￾က￾မ￾အခ￾￾￾￾အ￾￾ခအ￾နအ￾￾ ￾န ￾စ￾￾တ￾က￾ခ￾က￾၍ ပ￾￾တ￾￾ပ￾ သတ￾မ￾တ￾ထ￾￾သည￾￾ အစ￾ရင￾ခ￾စ￾ပ￾￾စ￾အတ￾￾င￾￾ သ￾တင￾￾ပတ￾အလ￾￾က￾ ပ￾မ￾￾မ￾အခ￾￾￾￾အ￾￾ ￾မန￾မ￾ ￾￾￾င￾င￾￾တ￾￾ဗဟ￾￾ဘဏ￾၊ ဘဏ￾လ￾ပ￾ငန￾￾￾က￾￾￾ကပ￾စစ￾￾ဆ￾￾ရ￾ဌ￾နသ￾￾ ￾ အပတ￾စ￾￾ ရက￾သတ￾ ပတ￾က￾န￾ဆ￾￾￾ သည￾￾￾န ￾၏ ￾န￾က￾တစ￾￾န ￾ အလ￾ပ￾လ￾ပ￾ရက￾တ￾င￾ အစ￾ရင￾ခ￾တင￾￾ပရမည￾။ ၅။ အနည￾￾ဆ￾￾￾￾င￾￾￾က￾လ￾ယ￾က￾မ￾အခ￾￾￾￾ သတ￾မ￾တ￾ခ￾က￾အ￾￾ လ￾￾က￾န￾ရန￾ ပ￾က￾က￾က￾￾သ￾ ဘဏ￾သည￾ ￾မန￾မ￾￾￾￾င￾င￾￾တ￾￾ဗဟ￾￾ဘဏ￾ဥပ￾ဒ ပ￾ဒ￾မ ၉၇ အရ အ￾ရ￾ယ￾￾ခင￾￾ခ￾ရမည￾￾အ￾ပင￾ ￾င￾￾ရ￾ ￾￾က￾￾ရ￾အဖ￾￾ ￾အစည￾￾မ￾￾￾ဥပ￾ဒ ပ￾ဒ￾မ ၉၄ ￾￾င￾￾ ၉၆ အရ ဘဏ￾အ￾￾ ￾ပန￾လည￾တည￾￾မတ￾￾စရန￾ အ￾ရ￾ယ￾￾ဆ￾င￾ရ￾က￾￾ခင￾￾￾￾င￾￾ အဆ￾￾ပ￾ဥပ￾ဒ ပ￾ဒ￾မ ၁၅၄ ပ￾ စ￾မ￾ခန￾ ￾ခ￾￾￾ရ￾နည￾￾လမ￾￾အရ အ￾ရ￾ ယ￾￾ခင￾￾ခ￾ရမည￾။ ၆။ ￾မန￾မ￾￾￾￾င￾င￾￾တ￾￾ဗဟ￾￾ဘဏ￾၏ ၁၂-၁-၁၉၉၅ ရက￾စ￾￾ပ￾ ￾￾န￾￾က￾￾ခ￾က￾အမ￾တ￾-၄ အ￾￾ ဤစည￾￾မ￾￾￾￾￾ဖင￾￾ ပယ￾ဖ￾က￾လ￾￾က￾သည￾။ ၇။ ဤစည￾￾မ￾￾￾￾သည￾ ထ￾တ￾￾ပန￾သည￾￾￾န ￾မ￾စ၍ ခ￾က￾ခ￾င￾￾အက￾￾￾￾သက￾￾ရ￾က￾￾စရမည￾။ (ပ￾￾) ￾က￾￾￾￾က￾￾￾￾မ￾င￾ ဥက￾ ￾

Liquidity Ratio(Myan Ver)(6-7-2017)-5 Central Bank of Myanmar Weekly Liquidity Statement (MMK) (000s) A. B. C. D. E F. All currencies beside Kyat (B,C,D,E) must be converted to Kyat using CBM official exchange rate. Kyat USD Euro SGD All Other Currency Total I. Liquid Assets:

  1. Cash on Hand
  2. Current Accounts with CBM
  3. Other Claims on CBM
  4. Demand Deposits with Banks - Domestic
  5. Demand Deposits with Banks – foreign banks with acceptable credit ratings.
  6. Time Deposits with Banks
  7. Loans to Banks
  8. Loans to other Financial Institutions
  9. Treasury Bills
  10. Treasury Bonds having a remaining maturity of one year or less
  11. Foreign Sovereign Securities issued by countries with acceptable credit rating, and having a remaining maturity of one year or less
  12. Discounted Bills having a maturity of three months or less
  13. Debit note receivables
  14. Inward Remittances II. Gross Liquid Assets (Sum of items I.1 through I.14) III. Less Borrowings collateralized by items I.1- I.14 IV. Net Liquid Assets (Item II less Item III) V. Volatile Liabilities
  15. Demand Deposits of banks
  16. Time Deposits of banks having a maturity of one year or less
  17. Other Demand Deposits
  18. Savings Deposits
  19. Other Time Deposits having a maturity of one year or less 6.Borrowing from Central Bank.
  20. Short Term Borrowings not collateralized by items I.1 through I.14
  21. Outward Remittances
  22. Debit Notes Payable
  23. Accrued interest Payable on Deposits
  24. Off Balance sheet items: a. Unfunded portion of approved lines of credit b. Irrevocable Letters of Credit due to be funded within one year VI. Volatile Liabilities: (Sum of Items V.1 through V.11.b) VII. Liquidity Ratio: Net Liquid Assets expressed as a percentage of Volatile Liabilities = IV/VI ပ￾￾တ￾￾

Liquidity Ratio(ENG) 6-7-2017-5 The Republic of the Union of Myanmar Central Bank of Myanmar Notification No. (19/2017) 14th Waxing Day of Waso 1379 ME July 7, 2017

In exercise of the powers conferred under Section 36 and Section 184 of the Financial Institutions Law, and Sections 49 and 50 of the Central Bank of Myanmar Law, the Central Bank of Myanmar hereby issues the following Regulations:

  1. These Regulations shall be called Liquidity Ratio Requirement Regulation.
  2. These Regulations shall apply to all banks.
  3. A bank shall maintain a minimum liquidity ratio of 20% at all times.
  4. Every bank must calculate their daily liquidity ratio position and, report weekly average at the start of the succeeding week in accordance with the attached worksheet and reporting format to the Central Bank of Myanmar.
  5. A bank that fails to maintain a minimum liquidity ratio may be subject to administrative penalties under section 97 of the Central Bank of Myanmar Law and maybe imposed under section 94 and 96 of the Financial Institutions Law and administrative penalties under section 154 of the said Law.
  6. The Central Bank of Myanmar Instruction No.4 dated January 12, 1995 is hereby repealed.
  7. These Regulations shall come into effect immediately. Sd./xxxxxxxxxx (Kyaw Kyaw Maung) Governor

Central Bank of Myanmar Weekly Liquidity Statement (MMK) (000s) A. B. C. D. E F. All currencies beside Kyat (B,C,D,E) must be converted to Kyat using CBM official exchange rate. Kyat USD Euro SGD All Other Currency Total I. Liquid Assets:

  1. Cash on Hand
  2. Current Accounts with CBM
  3. Other Claims on CBM
  4. Demand Deposits with Banks - Domestic
  5. Demand Deposits with Banks – foreign banks with acceptable credit ratings.
  6. Time Deposits with Banks
  7. Loans to Banks
  8. Loans to other Financial Institutions
  9. Treasury Bills
  10. Treasury Bonds having a remaining maturity of one year or less
  11. Foreign Sovereign Securities issued by countries with acceptable credit rating, and having a remaining maturity of one year or less
  12. Discounted Bills having a maturity of three months or less
  13. Debit note receivables
  14. Inward Remittances II. Gross Liquid Assets (Sum of items I.1 through I.14) III. Less Borrowings collateralized by items I.1- I.14 IV. Net Liquid Assets (Item II less Item III) V. Volatile Liabilities
  15. Demand Deposits of banks
  16. Time Deposits of banks having a maturity of one year or less
  17. Other Demand Deposits
  18. Savings Deposits
  19. Other Time Deposits having a maturity of one year or less
  20. Borrowing from Central Bank.
  21. Short Term Borrowings not collateralized by items I.1 through I.14
  22. Outward Remittances
  23. Debit Notes Payable
  24. Accrued interest Payable on Deposits
  25. Off Balance sheet items: a. Unfunded portion of approved lines of credit b. Irrevocable Letters of Credit due to be funded within one year VI. Volatile Liabilities: (Sum of Items V.1 through V.11.b) VII. Liquidity Ratio: Net Liquid Assets expressed as a percentage of Volatile Liabilities = IV/VI Attachment
Share