रिटेल बैंकिंग उपभोक्ताओं को तरलता और सुरक्षा की बुनियादी आवश्यकता होती है। भारत में कौन सा नियामक ढांचा यह सुनिश्चित करता है कि बैंक के दिवालिया होने की स्थिति में भी उपभोक्ता की जमा राशि का एक हिस्सा सुरक्षित रहे?

Given below are two statements: one is labelled as Assertion A and the other is labelled as Reason R. Assertion A: The Liquidity Coverage Ratio (LCR) requires banks to match their long-term assets with stable sources of funding to reduce their reliance on short-term funding. Reason R: The primary objective of the Liquidity Coverage Ratio (LCR) is to ensure banks maintain a sufficient stock of high-quality liquid assets to cover their short-term liquidity needs under stressed conditions. In the light of the above statements, choose the most appropriate answer from the options given below:

Given below are two statements: one is labelled as Assertion A and the other is labelled as Reason R. Assertion A: The Countercyclical Capital Buffer introduced in Basel III requires banks to build up an additional buffer of capital during periods of economic expansion. Reason R: The buffer is designed to ensure that banks have an additional cushion to successfully absorb potential losses during a subsequent economic downturn. In the light of the above statements, choose the most appropriate answer from the options given below: