The BIS Maturity Ladder Approach to Managing Liquidity Includes Which

The BIS maturity ladder approach to managing liquidity includes which of the following?
I. Assessing expected cash inflows and outflows in different time periods.
II. Calculation of daily and cumulative funding requirements.
III. Estimating funding requirements under different scenarios.
IV. Minimizing the securities holdings to increase the bank's ROE.

A) I and II only
B) II and III only
C) I, II, and IV only
D) I, II, and III only
E) I, II, III, and IV