Bank liquidity creation behavior in Russia from 2004 to 2015 was studied to see if it affects the economy. The study found that banks create more liquidity when the economy is doing well, which can make economic ups and downs stronger. State-owned, domestic private, and foreign banks all act similarly in this regard. Liquidity creation by banks is more influenced by the economy than lending is. Ownership of banks doesn't change how they create liquidity, but it can impact the economy's fluctuations.