Terminology and concepts used in the qualitative requirements section: As defined by the Basel Committee for Banking Supervision (BCBS) in the document titled "Principles for Sound Liquidity Management and Supervision" dated September 2008.

Eligible Liquid Assets Ratio (ELAR): Ratio of the stock of eligible liquid assets to total liabilities (excluding liabilities allowed in the regulatory capital base).

Liquidity Coverage Ratio (LCR): Ratio of the stock of high quality liquid assets to total net cash outflows over the next 30 days as defined by the Basel Committee for Banking Supervision (BCBS) in the document titled "Basel III: The Liquidity Coverage Ratio and Liquidity Risk Monitoring Tools" issued in January 2013.

Net Stable Funding Ratio (NSFR): The ratio of available amount of stable funding to the required amount of stable funding, as defined by the Basel Committee for Banking Supervision (BCBS) in the document titled "Basel III: the net stable funding ratio", issued in October 2014.