NO.PZ2023040501000094
问题如下：
Reddy continues her preparation by reviewing the Basel III requirements for banks. She expects that the team will be assessing factors relating to the bank’s deposits: the ratio of long-term to short-term deposits and the proportion of consumer to interbank deposits.
The two deposit factors that Reddy expects the Sutton team will be assessing most likely focus on which of the key Basel III requirements?
选项：
A.
Stable funding
B.
Minimum liquidity
C.
Minimum capital requirements
解释：
A is correct. Stable funding is one of the three key requirements of Basel III. A bank is required to have a minimum amount of stable funding relative to the bank’s liquidity needs over a one-year horizon. Stable funding is assessed on the basis of (1) the tenor of deposits, long-term being considered more stable than short-term, and (2) the type of depositor—those from consumers are considered more stable than those from interbank markets.
B is incorrect because minimum liquidity is assessed with the liquidity coverage ratio and the net stable funding ratio, not the ratios that she mentioned.
C is incorrect because the minimum capital requirement is assessed with the minimum percentage of risk-weighted assets that a bank must fund with equity capital and ratios related to capital requirements, not the ratios listed.
stable funding 和net stable funding ratio 不是一回事吗？
