Run-off-factor on institutioanl deposits and LCR [ liquidity coverage ratio ] requires banks to maintain high quality liquid assets to meet 30 days net outgo under stressed conditons–[1] LCR is currently 100%- as of March, 2026 it is 123.70% [2] Retail deposits – without internet and mobile banking–the run off factor is 5% structural shift in banks deposits refers to a phenomenon— whereby savers in pursuit of higher interest are gravitating towards investments such as mutual funds– which in turn place deposits in banks.