Excluding all inter-bank liabilities with an original maturity of fewer than seven days could have far-reaching consequences, as it may well foster an unwanted bias towards short-termism. I would therefore argue that these liabilities should be shifted from the permanent to the discretionary category of exemptions.
These three dimensions actually cover the whole process of financial activity, from the first confrontation with the financial product/service to the realization of the right/obligation in this report. Financial education in the function of financial stability is built on the premise of mutual trust. Financial education is the core of trust building. Without trust there can be no financial stability.