If a custom deposits $1 million in my bank. Let's assume it is stable. => the cash outflows increase by 3% draw down * $1 million = $30,000 ?
However if it is a short-term deposit for one month, the draw down rate is 100% => cash outflows increase by $1 mn?
I am investing the $1 million in a AAA Corp bond, which corresponds to a HQLA Level 2A with a haircut of 15% => the stock of HQLA increases by 85% * $1 mn = $850,000