1. Compare a bank using retail type deposits versus wholesale liabilities for funding purposes? (6 Marks) tartB 1. Suppose that you operate a large commercial bank, the performance of which is closely followed by a large number of stock market analysts. You have just received a summary of 5 different analysts' views of your bank's performance. The essence of each report is that the bank must lower its efficiency ratio from the current 62% to less than 54% before the analysts will put a strong buy recommendation on the stock. Otherwise the bank is viewed as a takeover target. a. Describe the several strategies you might pursue in response to these reports. (8 Marks) b. Discuss whether management should focus on the operating risk ratio and what the likely impact of efforts to reduce this ratio will be