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	LIQUIDITY ANALYSIS
	Commercial Bank — LCR / NSFR Framework ($mm)
		FY2024	FY2025	FY2026	FY2027	FY2028	FY2029	FY2030	FY2031	FY2032	FY2033	FY2034	FY2035
	HIGH QUALITY LIQUID ASSETS
	Cash & Equivalents	$2,200	$2,050	$1,772	$1,647	$1,621	$1,807	$2,433	$3,952	$7,276	$14,225	$28,445	$57,225
	Govt Securities (Level 1)	$525	$546	$565	$585	$605	$627	$648	$671	$695	$719	$744	$770
	Other HQLA (Level 2)	$2,529	$2,630	$2,722	$2,817	$2,916	$3,018	$3,123	$3,233	$3,346	$3,463	$3,584	$3,710
	Total HQLA	$5,254	$5,226	$5,059	$5,049	$5,142	$5,452	$6,205	$7,856	$11,317	$18,407	$32,773	$61,705
	NET CASH OUTFLOWS (30-DAY)
	Demand Deposit Outflow (10%)	$540	$567	$553	$578	$604	$631	$659	$689	$720	$753	$786	$822
	Savings Outflow (5%)	$360	$378	$415	$433	$453	$473	$495	$517	$540	$564	$590	$616
	Time Deposit Outflow (3%)	$162	$170	$178	$186	$194	$203	$212	$222	$231	$242	$253	$264
	Borrowings Outflow (25%)	$500	$515	$528	$541	$555	$568	$583	$597	$612	$627	$643	$659
	Total Net Outflows	$1,562	$1,630	$1,673	$1,738	$1,806	$1,876	$1,949	$2,025	$2,104	$2,186	$2,272	$2,362
	LIQUIDITY COVERAGE RATIO
	LCR (HQLA / Net Outflows)	336.3%	320.6%	302.3%	290.5%	284.8%	290.7%	318.4%	388.0%	537.9%	841.9%	1442.4%	2612.8%
	Minimum LCR Target	110.0%	110.0%	110.0%	110.0%	110.0%	110.0%	110.0%	110.0%	110.0%	110.0%	110.0%	110.0%
	LCR Surplus / (Deficit)	226.3%	210.6%	192.3%	180.5%	174.8%	180.7%	208.4%	278.0%	427.9%	731.9%	1332.4%	2502.8%
	NET STABLE FUNDING RATIO
	Available Stable Funding	$20,400	$21,310	$22,073	$23,035	$24,154	$25,548	$27,446	$30,307	$35,044	$43,484	$59,274	$89,710
	Required Stable Funding	$13,385	$14,149	$14,883	$15,657	$16,472	$17,331	$18,234	$19,186	$20,189	$21,244	$22,356	$23,527
	NSFR	152.4%	150.6%	148.3%	147.1%	146.6%	147.4%	150.5%	158.0%	173.6%	204.7%	265.1%	381.3%
	Minimum NSFR Target	105.0%	105.0%	105.0%	105.0%	105.0%	105.0%	105.0%	105.0%	105.0%	105.0%	105.0%	105.0%
	NSFR Surplus / (Deficit)	47.4%	45.6%	43.3%	42.1%	41.6%	42.4%	45.5%	53.0%	68.6%	99.7%	160.1%	276.3%
	KEY FUNDING METRICS
	Loan-to-Deposit Ratio	97.2%	98.1%	99.1%	100.0%	101.0%	102.0%	102.9%	103.9%	104.9%	105.9%	106.9%	108.0%
	Deposits / Total Funding	88.7%	88.8%	89.0%	89.2%	89.4%	89.5%	89.7%	89.9%	90.0%	90.2%	90.4%	90.5%
	Non-Core Funding Ratio	9.9%	9.7%	9.5%	9.4%	9.2%	9.0%	8.9%	8.7%	8.6%	8.4%	8.3%	8.1%
	Note: LCR/NSFR are simplified estimates. Actual calculations require granular cash flow modeling.