Which of the following statements is not correct?

a.

Net stable funding ratio takes a long-term perspective at liquidity on financial institutions Balance Sheet and evaluates liquidity over entire balance sheet.

b.

Net stable funding ratio ensures that financial institution maintains an adequate level of High-Quality Liquid Assets (HQLA) that can be converted into cash to meet liquidity needs for a 30-day time horizon under an acute liquidity stress scenario.

c.

While managing liquidity risk, treasurers should identify those sources of whole sale funding that are of such significance that withdrawal of these funds could trigger liquidity problems.

d.

Higher the amount of available unencumbered assets, lower the liquidity risk for the financial institution.

e.

Monitoring high- frequency market data with little or no time lag can be used as early warning indicators in monitoring potential liquidity difficulties.