Post-crisis regulatory reforms intended to make banks less dependent on short-term wholesale funding could conflict with more recent proposals to ‘bail-in' a failing bank's creditors before imposing losses on large uninsured depositors, the IMF has said.

Basel III requirements for banks to rely more on collateralised debt and deposits to curb the risk of financial contagion by limiting counterparty risk, added to rules to make uninsured creditors bear the brunt of losses in the event that a bank