current a/c), but LSF transactions cannot make use of intra-day overdrafts for settlement liquidity. Since settlements other than LSF transactions (cash withdrawal, DTNS for ACH/CT/MCH/MPU) shall be settled immediately with both RTGS a/c balance and intra-day overdrafts occur despite the RTGS a/c balance shortage by LSF transactions. To conduct LSF in one single a/c (RTGS a/c) due to the request of CBM, all kinds of transactions with RTGS a/c (on the same a/c) are forced to wait during the settlement process of MLOS (during MLOS calculation and clearing process, the transactions with RTGS a/c can be processed). Any future increase in transactions may cause system performance issues derived from the transaction concentration of the RTGS a/c. To avoid this, segregation of the a/c for LSF settlement will be one of solution. However, a countermeasure for this problem may have to be considered and solved by CBM. In particular, CBM-NET may have to be modified to equip the sub account that is able to move funds easily from/to the current RTGS account, and LFS settlement should be conducted on the sub account. Source: Preparatory Survey Team Figure 3-7 Relations between payment types and settlement methods 34