Fifth Third Bank 2014 Annual Report Download - page 181
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179 Fifth Third Bancorp
2017. The LCR is a minimum requirement, and the FRB can
impose additional liquidity requirements as a supervisory matter.
In addition, the Bancorp is also subject to the liquidity-related
requirements of the enhanced prudential supervision rules
adopted by the FRB under Section 165 of the DFA, as described
above. As of December 31, 2014 the Bancorp’ s internally
calculated LCR would have complied with the fully phased in
LCR requirements which will become effective in 2016 as
outlined in the final rule.
In addition to the LCR, the Basel III framework also
included a second standard, referred to as the net stable funding
ratio (“NSFR”), which is designed to promote more medium-and
long-term funding of the assets and activities of banks over a one-
year time horizon. Although the Basel Committee finalized its
formulation of the NSFR in 2014, the U.S. banking agencies have
not yet proposed an NSFR for application to U.S. banking
organizations or addressed the scope of banking organizations to
which it will apply. The Basel Committee’ s final NSFR
document states that the NSFR applies to internationally active
banks, as did its final LCR document as to that ratio.