Yes, I think you are right and this is factor. As an untested bank, you'd expect the fear factor to weigh on their ability to source new funding and maintain existing deposit levels. Having said that, the average remaining tenor of their deposit book is 9 months. Term deposits, and not a call. This mitigates the risk of sudden run on the bank in the context of external heightened risk.
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Yes, I think you are right and this is factor. As an untested...
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