Licensees must maintain positive cumulative maturity mismatch ratios for 3-month and 6-month maturity bands. Where negative cumulative maturity mismatch ratios occur, the negative cumulative maturity mismatch ratios, as a percentage of total liabilities, must not exceed 20% for a 3-month maturity band and 25% for a 6-month maturity band. These ratios are to be calculated on a unconsolidated basis.