The article analyzes how new rules about bank liquidity will affect how banks manage their money. The rules will make it harder and more expensive for banks to lend money. The study shows that these rules may not accurately reflect how much money a bank actually has. It also looks at how well Czech banks can handle a sudden lack of money while still staying financially stable. The results suggest that Czech banks are in a good position because they have a lot of money and are making a lot of profit. Overall, the study finds that Czech banks may not be very affected by sudden changes in money availability.