Details on deposit month-end actuals by customer type are not typically included in regular liquidity qualitative reporting concerning individual liquidity adequacy standards (ILAS). These details are usually part of a separate report known as the deposit tracker report. This report is designed to provide a comprehensive view of the bank’s deposit base, including the breakdown by customer type. It helps the bank to understand the composition of its deposit base and to manage its liquidity risk effectively. However, it is not a standard requirement in the regular qualitative reporting on liquidity under ILAS.

Choice A is incorrect. Details on any increase or decrease in retail deposits are typically included in the regular qualitative reporting. This information is crucial as it provides insights into the liquidity position of the financial institution and can indicate potential liquidity risks.

Choice B is incorrect. The average day-to-day opening cash position is also a typical component of regular qualitative reporting on liquidity. It helps to understand how much liquid assets the institution has at its disposal at the start of each business day, which can be critical for managing daily operations and meeting short-term obligations.

Choice C is incorrect. Information about shrinkage or growth of asset books forms part of this reporting too. Changes in asset books can significantly impact an institution’s liquidity position, hence it’s important to monitor and report these changes regularly.

Things to Remember

• Individual Liquidity Adequacy Standards (ILAS) are regulatory requirements that banks and financial institutions must adhere to in order to ensure they have adequate