“Liquidity: Banks Debate Liquidity Trade Off,” Financial Times

Risk experts say whether banks opt to go over and above the LCR rules will depend on a multitude of factors, including their perceived risk profile, jurisdiction and type of business. Banks that are aiming to attract retail depositors, for instance, may find that holding a big buffer of liquidity could be a selling point to customers. 

“It really depends on which jurisdiction you’re thinking about. I think that in Canada, for example, they will definitely go above it,” says Mayra Rodriguez Valladares, a former Federal Reserve Bank of New York analyst, who runs her own consulting business.