**5.1. Conclusions**

**Bank Class Bank Class**

**Quarter Class I Class II Quarter Class I Class II** 02Q1 0.81832 0.84588 02Q2 0.79516 0.82194 02Q3 0.8264 0.85386 02Q4 0.86464 0.89376 03Q1 0.78884 0.77406 03Q2 0.74112 0.76608 03Q3 0.7334 0.7581 03Q4 0.71024 0.73416 04Q1 0.6562 0.6783 04Q2 0.62532 0.64638 04Q3 0.63304 0.65436 04Q4 0.6176 0.6384 05Q1 0.62532 0.64638 05Q2 0.6176 0.6384 05Q3 0.60988 0.63042 05Q4 0.6176 0.6384 06Q1 0.59444 0.61446 06Q2 0.57128 0.59052 06Q3 0.57128 0.59052 06Q4 0.54812 0.56658 07Q1 0.5404 0.5586 07Q2 0.579 0.5985 07Q3 0.55584 0.51456 07Q4 0.54812 0.56658 08Q1 0.72568 0.75012 08Q2 0.74884 0.77406 08Q3 0.74884 0.77406 08Q4 0.74412 0.76608 09Q1 0.88008 0.90972 09Q2 0.95728 1.08114 09Q3 1.02676 1.06134 09Q4 0.91566 0.99753 10Q1 0.93412 0.96558 10Q2 0.95376 0.96184 10Q3 0.96552 0.92568 10Q4 0.97868 0.94962 11Q1 0.98324 0.93366 11Q2 0.99288 0.91566 11Q3 0.99692 0.98578 11Q4 1.02391 1.08113 12Q1 1.07414 1.16982 12Q2 1.10664 1.19376 12Q3 1.16849 1.23778 12Q4 1.19281 1.29002

84 Dynamic Programming and Bayesian Inference, Concepts and Applications

**Descriptive Statistics of LCR for Class I and II Banks Parameter Class I LCR Class II LCR** Mean 0.748720 0.773430 Median 0.748840 0.774060 Maximum 1.026760 1.061340 Minimum 0.540400 0.514560 Std. Dev. 0.027670 0.143466 Skewness 0.027670 -0.02945 Kurtosis 1.825270 1.855696 Jarque-Bera 2.535599 2.406985 Probability 0.281450 0.300144 Sum 32.94368 34.03091 Sum Sq. Dev. 0.794993 0.885043 Observations 44 44

**Table 1.** 2002 to 2012 LCRs for Class I and II Banks

**Table 2.** Descriptive Statistics of LCR for Class I and II Banks

In this subsection, we make conclusions about the LCR model, optimal Basel III LCRs and numerical results for LCRs.
