Bank Liquidity & Funding Risk Screening
Anweshna reads funding disclosures and deposit composition data for the liquidity risk that can turn a solvent bank into a distressed one under stress.
What it screens for
- Deposit stability — how concentrated or flight-prone the deposit base is.
- Funding diversification — reliance on a narrow set of funding sources versus a diversified base.
- Wholesale funding reliance — the share of funding coming from wholesale markets rather than core deposits.
- Liquidity stress indicators — signals that the institution would struggle to meet obligations under a funding shock.
Why it's tracked as its own category
Liquidity & Funding carries a 6% weight in the Banking ruleset. It's non-blocking on its own, but heavy wholesale funding reliance or deposit concentration is exactly the kind of vulnerability that turns a manageable credit-quality problem into a liquidity crisis — it's tracked separately so that interaction is visible rather than implied.
Liquidity & Funding FAQ
What does Anweshna screen for in Liquidity & Funding?
Anweshna screens deal documents for deposit stability, funding diversification, and wholesale funding reliance, among other signals. See the full list of signals above.
Is Liquidity & Funding a blocking risk category?
Liquidity & Funding carries a 6% weight in Anweshna's composite score. It is a tracked, non-blocking category — it contributes to the overall risk posture but does not independently halt a deal.