Proposed bank regulations from the Bank for International Settlements may soften the measure of "stable funding ratios" that banks are expected to target - or at least that local bank supervisors such as APRA are supposed to make banks target.The BIS overnight said it needed to modify earlier proposals on funding ratios, and apparently to dampen incentives for banks to persist with any reliance on wholesale funding.Under the latest version of the plans the BIS will give a little more credit for retail and small business deposits, compared with earlier proposals.The most significant change may be to lower the proportion of funding that banks providing home loans need to match with retail deposits, a shift that will suit the business model of banks in Australia.